WO2008046012A3 - Method and system for processing micropayment transactions - Google Patents

Method and system for processing micropayment transactions Download PDF

Info

Publication number
WO2008046012A3
WO2008046012A3 PCT/US2007/081124 US2007081124W WO2008046012A3 WO 2008046012 A3 WO2008046012 A3 WO 2008046012A3 US 2007081124 W US2007081124 W US 2007081124W WO 2008046012 A3 WO2008046012 A3 WO 2008046012A3
Authority
WO
WIPO (PCT)
Prior art keywords
micropayment
processed
transaction
processing
payee
Prior art date
Application number
PCT/US2007/081124
Other languages
French (fr)
Other versions
WO2008046012A2 (en
Inventor
Jeffrey W Perlman
Michael J Kearney
Timothy M Lee
Gregory Storey
Original Assignee
Visa Int Service Ass
Jeffrey W Perlman
Michael J Kearney
Timothy M Lee
Gregory Storey
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa Int Service Ass, Jeffrey W Perlman, Michael J Kearney, Timothy M Lee, Gregory Storey filed Critical Visa Int Service Ass
Priority to AU2007307688A priority Critical patent/AU2007307688B2/en
Priority to CA002666262A priority patent/CA2666262A1/en
Priority to BRPI0715571-9A priority patent/BRPI0715571A2/en
Priority to JP2009532582A priority patent/JP2010507151A/en
Priority to EP07853964A priority patent/EP2074726A4/en
Publication of WO2008046012A2 publication Critical patent/WO2008046012A2/en
Publication of WO2008046012A3 publication Critical patent/WO2008046012A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/123—Shopping for digital content
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means

Abstract

Methods and systems for performing micropayment transactions over communication networks is provided. These methods and systems enable ubiquitous micropayments by providing a seemless payment solution in which micropayment is one of a plurality of payments facilitated. In an embodiment, the transaction value may be compared to a predefined threshold, and processed as a micropayment if said value is less than said threshold, and otherwise processed using a second processing system. In another embodiment, the transaction may be processed as a micropayment if the payee has previously been verified by the micropayment processing system. In a third embodiment, the transaction takes place using the payee's website.
PCT/US2007/081124 2006-10-11 2007-10-11 Method and system for processing micropayment transactions WO2008046012A2 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
AU2007307688A AU2007307688B2 (en) 2006-10-11 2007-10-11 Method and system for processing micropayment transactions
CA002666262A CA2666262A1 (en) 2006-10-11 2007-10-11 Method and system for processing micropayment transactions
BRPI0715571-9A BRPI0715571A2 (en) 2006-10-11 2007-10-11 Method for processing a micropayman transmission, Method for processing a transaction between a payer and a trusted payee, and Method by which a trusted payee can engage in a transaction with a registered payer
JP2009532582A JP2010507151A (en) 2006-10-11 2007-10-11 Method and system for processing micropayment transactions
EP07853964A EP2074726A4 (en) 2006-10-11 2007-10-11 Method and system for processing micropayment transactions

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US82905706P 2006-10-11 2006-10-11
US60/829,057 2006-10-11

Publications (2)

Publication Number Publication Date
WO2008046012A2 WO2008046012A2 (en) 2008-04-17
WO2008046012A3 true WO2008046012A3 (en) 2008-11-06

Family

ID=39283630

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/081124 WO2008046012A2 (en) 2006-10-11 2007-10-11 Method and system for processing micropayment transactions

Country Status (10)

Country Link
US (2) US8335745B2 (en)
EP (1) EP2074726A4 (en)
JP (1) JP2010507151A (en)
KR (1) KR20090063254A (en)
CN (1) CN101554005A (en)
AU (1) AU2007307688B2 (en)
BR (1) BRPI0715571A2 (en)
CA (1) CA2666262A1 (en)
TW (1) TW200834446A (en)
WO (1) WO2008046012A2 (en)

Families Citing this family (38)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8874477B2 (en) 2005-10-04 2014-10-28 Steven Mark Hoffberg Multifactorial optimization system and method
CN101554005A (en) 2006-10-11 2009-10-07 国际签证服务协会 Method and system for processing micropayment transactions
US10068220B2 (en) 2006-10-11 2018-09-04 Visa International Service Association Systems and methods for brokered authentication express seller links
US20100223184A1 (en) * 2006-10-11 2010-09-02 Visa International Service Association Sponsored Accounts For Computer-Implemented Payment System
US7866551B2 (en) * 2007-02-15 2011-01-11 Visa U.S.A. Inc. Dynamic payment device characteristics
US20090070262A1 (en) * 2007-09-12 2009-03-12 Ebay Inc. Ach-enabled micropayments
WO2010005681A1 (en) 2008-06-16 2010-01-14 Visa U.S.A. Inc. System and method for authorizing financial transactions with online merchants
US8332314B2 (en) * 2008-11-05 2012-12-11 Kent Griffin Text authorization for mobile payments
US7827108B2 (en) * 2008-11-21 2010-11-02 Visa U.S.A. Inc. System and method of validating a relationship between a user and a user account at a financial institution
US20100293017A1 (en) * 2009-05-18 2010-11-18 Contenture, Inc. Micropayment and website content control systems and methods
US20220084103A1 (en) * 2009-07-29 2022-03-17 Paypal, Inc. No authentication payment and seamless authentication
US20110106674A1 (en) * 2009-10-29 2011-05-05 Jeffrey William Perlman Optimizing Transaction Scenarios With Automated Decision Making
US8280788B2 (en) * 2009-10-29 2012-10-02 Visa International Service Association Peer-to-peer and group financial management systems and methods
US8676639B2 (en) 2009-10-29 2014-03-18 Visa International Service Association System and method for promotion processing and authorization
US20110137748A1 (en) * 2009-12-09 2011-06-09 Yigal Baher Systems and Methods for Virtual Credit Card Transactions
US8281372B1 (en) * 2009-12-18 2012-10-02 Joel Vidal Device, system, and method of accessing electronic mail
US20130024300A1 (en) * 2011-07-21 2013-01-24 Bank Of America Corporation Multi-stage filtering for fraud detection using geo-positioning data
US8712914B2 (en) * 2012-02-23 2014-04-29 Mastercard International Incorporated Method and system for facilitating micropayments in a financial transaction system
US8639619B1 (en) 2012-07-13 2014-01-28 Scvngr, Inc. Secure payment method and system
US20140025571A1 (en) * 2012-07-23 2014-01-23 Its, Inc. System and method for dual message consumer authentication value-based eft transactions
US20140279554A1 (en) * 2013-03-12 2014-09-18 Seth Priebatsch Distributed authenticity verification for consumer payment transactions
US9081672B1 (en) 2013-05-30 2015-07-14 Richard Michael Nemes Methods and apparatus for information storage and retrieval using a caching technique with external-chain hashing and dynamic resource-dependent data shedding
US10489852B2 (en) * 2013-07-02 2019-11-26 Yodlee, Inc. Financial account authentication
US8770478B2 (en) 2013-07-11 2014-07-08 Scvngr, Inc. Payment processing with automatic no-touch mode selection
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
CN104574046B (en) * 2013-10-29 2017-03-08 腾讯科技（深圳）有限公司 A kind of payment system and the management method of pair pre- charge information
US9652770B1 (en) 2014-04-30 2017-05-16 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
SG10201500276VA (en) * 2015-01-14 2016-08-30 Mastercard Asia Pacific Pte Ltd Method and system for making a secure payment transaction
US10594484B2 (en) 2015-02-13 2020-03-17 Yoti Holding Limited Digital identity system
US10853592B2 (en) 2015-02-13 2020-12-01 Yoti Holding Limited Digital identity system
US10692085B2 (en) * 2015-02-13 2020-06-23 Yoti Holding Limited Secure electronic payment
CN104715373B (en) * 2015-04-01 2018-04-20 京东方科技集团股份有限公司 A kind of payment devices and method
WO2017070469A1 (en) * 2015-10-22 2017-04-27 Align Commerce Corporation System and method for payment processing using crypto currencies
AU2017238223A1 (en) 2016-03-22 2018-08-09 Visa International Service Association Adaptable authentication processing
CN106503974B (en) * 2017-01-04 2020-03-17 泰康保险集团股份有限公司 Transaction data processing method and device
US11049101B2 (en) * 2017-03-21 2021-06-29 Visa International Service Association Secure remote transaction framework
US11551190B1 (en) 2019-06-03 2023-01-10 Wells Fargo Bank, N.A. Instant network cash transfer at point of sale

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030014633A1 (en) * 2001-07-12 2003-01-16 Gruber Thomas Robert Method and system for secure, authorized e-mail based transactions
US20030061111A1 (en) * 2001-09-26 2003-03-27 International Business Machines Corporation Method and system for parent controlled e-commerce
US20030197061A1 (en) * 2002-04-23 2003-10-23 Linda Din Shopping system
US20060080238A1 (en) * 2004-08-30 2006-04-13 Nielsen Thomas A Micro-payment system architecture

Family Cites Families (261)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3652795A (en) 1970-11-25 1972-03-28 Electrospace Corp Telephone transaction system
US4321672A (en) 1979-11-26 1982-03-23 Braun Edward L Financial data processing system
US4341951A (en) 1980-07-02 1982-07-27 Benton William M Electronic funds transfer and voucher issue system
US4454414A (en) 1982-06-16 1984-06-12 Vericard Corporation Funds transfer system using optically coupled, portable modules
USRE32985E (en) 1982-07-09 1989-07-11 Omron Tateisi Electronics Co. Credit transaction processing system
US4645873A (en) 1985-01-23 1987-02-24 Telecue Systems Transactional telecommunication system
US4713761A (en) 1985-07-18 1987-12-15 Pitney Bowes, Inc. System for centralized processing of accounting and payment functions
US4823264A (en) 1986-05-27 1989-04-18 Deming Gilbert R Electronic funds transfer system
US4750119A (en) 1986-10-10 1988-06-07 Tradevest, Inc. Purchasing system with rebate feature
US4866611A (en) 1987-01-29 1989-09-12 International Business Machines Corporation Method for automatically reconciling entries on two copies of independently maintained electronic calendars
US5025372A (en) 1987-09-17 1991-06-18 Meridian Enterprises, Inc. System and method for administration of incentive award program through use of credit
US4941090A (en) 1989-01-27 1990-07-10 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5010485A (en) 1989-01-31 1991-04-23 Jbh Ventures Apparatus, system and method for creating credit vouchers usable at point of purchase stations
US6044205A (en) 1996-02-29 2000-03-28 Intermind Corporation Communications system for transferring information between memories according to processes transferred with the information
US5132521A (en) 1989-09-15 1992-07-21 Smith Charles M System and method for acquisition and encoding of ATM card data
US5412730A (en) 1989-10-06 1995-05-02 Telequip Corporation Encrypted data transmission system employing means for randomly altering the encryption keys
JPH03180968A (en) 1989-12-08 1991-08-06 Hitachi Ltd Data base retrieving method and formated document outputting method using the retrieving method
US5220501A (en) 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5623547A (en) 1990-04-12 1997-04-22 Jonhig Limited Value transfer system
US5231571A (en) 1990-08-14 1993-07-27 Personal Financial Assistant, Inc. Personal financial assistant computer method
CA2059078C (en) 1991-02-27 1995-10-03 Alexander G. Fraser Mediation of transactions by a communications system
US6289322B1 (en) 1998-03-03 2001-09-11 Checkfree Corporation Electronic bill processing
US5383113A (en) 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
GB9121995D0 (en) 1991-10-16 1991-11-27 Jonhig Ltd Value transfer system
US5453601A (en) 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US5640577A (en) 1991-12-30 1997-06-17 Davox Corporation Data processing system with automated at least partial forms completion
US5966698A (en) 1992-10-15 1999-10-12 Pollin; Robert E. Automated payment system and method
US5267314A (en) 1992-11-17 1993-11-30 Leon Stambler Secure transaction system and method utilized therein
US5350906A (en) 1992-11-25 1994-09-27 Brody Bill E Currency transfer system and method using fixed limit cards
US5326960A (en) 1992-11-25 1994-07-05 Tannenbaum David H Currency transfer system and method
US5351296A (en) 1993-03-29 1994-09-27 Niobrara Research & Development Corporation Financial transmission system
WO1994025913A2 (en) 1993-04-30 1994-11-10 Novadigm, Inc. Method and apparatus for enterprise desktop management
JPH0764911A (en) * 1993-08-31 1995-03-10 Sharp Corp Individual authentication system
US5465206B1 (en) 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US5557516A (en) 1994-02-04 1996-09-17 Mastercard International System and method for conducting cashless transactions
AU2241195A (en) 1994-04-06 1995-10-30 Morgan Stanley Group Inc. Data processing system and method for financial debt instruments
US5537314A (en) 1994-04-18 1996-07-16 First Marketrust Intl. Referral recognition system for an incentive award program
US5799087A (en) 1994-04-28 1998-08-25 Citibank, N.A. Electronic-monetary system
US5649117A (en) 1994-06-03 1997-07-15 Midwest Payment Systems System and method for paying bills and other obligations including selective payor and payee controls
US5717989A (en) 1994-10-13 1998-02-10 Full Service Trade System Ltd. Full service trade system
US5890140A (en) 1995-02-22 1999-03-30 Citibank, N.A. System for communicating with an electronic delivery system that integrates global financial services
US6424249B1 (en) 1995-05-08 2002-07-23 Image Data, Llc Positive identity verification system and method including biometric user authentication
US5692132A (en) 1995-06-07 1997-11-25 Mastercard International, Inc. System and method for conducting cashless transactions on a computer network
US5742845A (en) 1995-06-22 1998-04-21 Datascape, Inc. System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network
US5794221A (en) 1995-07-07 1998-08-11 Egendorf; Andrew Internet billing method
US5659165A (en) 1995-07-24 1997-08-19 Citibank. N.A. Customer-directed, automated process for transferring funds between accounts via a communications network
US5699528A (en) 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US5745574A (en) 1995-12-15 1998-04-28 Entegrity Solutions Corporation Security infrastructure for electronic transactions
US6138107A (en) * 1996-01-04 2000-10-24 Netscape Communications Corporation Method and apparatus for providing electronic accounts over a public network
US5956391A (en) 1996-02-09 1999-09-21 Telefonaktiebolaget Lm Ericsson Billing in the internet
US5862325A (en) 1996-02-29 1999-01-19 Intermind Corporation Computer-based communication system and method using metadata defining a control structure
GB9604459D0 (en) 1996-03-01 1996-05-01 Isr Logistics Ltd An apparatus for the control of inventory
US5850442A (en) 1996-03-26 1998-12-15 Entegrity Solutions Corporation Secure world wide electronic commerce over an open network
US5832463A (en) 1996-03-28 1998-11-03 Electronic Data Systems Corporation Automated system and method for checkless check transaction
US6044360A (en) 1996-04-16 2000-03-28 Picciallo; Michael J. Third party credit card
US5815657A (en) 1996-04-26 1998-09-29 Verifone, Inc. System, method and article of manufacture for network electronic authorization utilizing an authorization instrument
US7167924B1 (en) 1996-06-10 2007-01-23 Diebold, Incorporated Financial transaction processing system and method
US5884288A (en) 1996-07-01 1999-03-16 Sun Microsystems, Inc. Method and system for electronic bill payment
US5794259A (en) 1996-07-25 1998-08-11 Lextron Systems, Inc Apparatus and methods to enhance web browsing on the internet
US6029150A (en) 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
KR100213188B1 (en) 1996-10-05 1999-08-02 윤종용 Apparatus and method for user authentication
US6192407B1 (en) 1996-10-24 2001-02-20 Tumbleweed Communications Corp. Private, trackable URLs for directed document delivery
US5790790A (en) 1996-10-24 1998-08-04 Tumbleweed Software Corporation Electronic document delivery system in which notification of said electronic document is sent to a recipient thereof
USRE40220E1 (en) 1996-12-31 2008-04-08 Lml Patent Corp. Check writing point of sale system
US6164528A (en) 1996-12-31 2000-12-26 Chequemark Patent, Inc. Check writing point of sale system
US5893120A (en) 1997-01-02 1999-04-06 Nemes; Richard Michael Methods and apparatus for information storage and retrieval using a hashing technique with external chaining and on-the-fly removal of expired data
US5963647A (en) 1997-02-14 1999-10-05 Citicorp Development Center, Inc. Method and system for transferring funds from an account to an individual
US5884312A (en) 1997-02-28 1999-03-16 Electronic Data Systems Corporation System and method for securely accessing information from disparate data sources through a network
US7324972B1 (en) 1997-03-07 2008-01-29 Clickshare Service Corporation Managing transactions on a network: four or more parties
JP3877188B2 (en) 1997-04-10 2007-02-07 株式会社ウェブマネー Electronic currency system
US6012048A (en) 1997-05-30 2000-01-04 Capital Security Systems, Inc. Automated banking system for dispensing money orders, wire transfer and bill payment
US5903881A (en) 1997-06-05 1999-05-11 Intuit, Inc. Personal online banking with integrated online statement and checkbook user interface
US6012045A (en) 1997-07-01 2000-01-04 Barzilai; Nizan Computer-based electronic bid, auction and sale system, and a system to teach new/non-registered customers how bidding, auction purchasing works
US20010056405A1 (en) 1997-09-11 2001-12-27 Muyres Matthew R. Behavior tracking and user profiling system
US5960411A (en) 1997-09-12 1999-09-28 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
US5974430A (en) 1997-09-30 1999-10-26 Unisys Corp. Method for dynamically embedding objects stored in a web server within HTML for display by a web browser
US6226624B1 (en) 1997-10-24 2001-05-01 Craig J. Watson System and method for pre-authorization of individual account remote transactions
US5918217A (en) 1997-12-10 1999-06-29 Financial Engines, Inc. User interface for a financial advisory system
US6915271B1 (en) 1998-03-11 2005-07-05 The Product Engine, Inc. Method and system for delivering redeeming dynamically and adaptively characterized promotional incentives on a computer network
US7747523B2 (en) 1998-03-30 2010-06-29 Cohen Morris E Internet-based financial vehicles
US5966696A (en) 1998-04-14 1999-10-12 Infovation System for tracking consumer exposure and for exposing consumers to different advertisements
US6421729B1 (en) 1998-04-14 2002-07-16 Citicorp Development Center, Inc. System and method for controlling transmission of stored information to internet websites
US6173272B1 (en) 1998-04-27 2001-01-09 The Clearing House Service Company L.L.C. Electronic funds transfer method and system and bill presentment method and system
HUP0103385A2 (en) * 1998-06-19 2002-01-28 Protx Limited Verified payment system
US7370114B1 (en) 1998-09-11 2008-05-06 Lv Partners, L.P. Software downloading using a television broadcast channel
FR2783623B1 (en) * 1998-09-18 2003-05-09 France Telecom METHOD FOR MANAGING AN ELECTRONIC TRANSACTION BY CHIP CARD, TERMINAL AND CHIP CARD IMPLEMENTING THIS METHOD
KR20010075291A (en) 1998-09-22 2001-08-09 칼 하인쯔 호르닝어 Method and system for paying for goods or services
US6499042B1 (en) 1998-10-07 2002-12-24 Infospace, Inc. Selective proxy approach to filling-in forms embedded in distributed electronic documents
US6092053A (en) 1998-10-07 2000-07-18 Cybercash, Inc. System and method for merchant invoked electronic commerce
US7533064B1 (en) 1998-10-07 2009-05-12 Paypal Inc. E-mail invoked electronic commerce
US6360205B1 (en) 1998-10-30 2002-03-19 Trip.Com, Inc. Obtaining and utilizing commercial information
US20010014878A1 (en) 1998-11-09 2001-08-16 Nilotpal Mitra Transaction method and apparatus
US7937325B2 (en) 1998-12-08 2011-05-03 Yodlee.Com, Inc. Interactive bill payment center
US6327578B1 (en) 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US6330550B1 (en) 1998-12-30 2001-12-11 Nortel Networks Limited Cross-media notifications for e-commerce
US6490601B1 (en) 1999-01-15 2002-12-03 Infospace, Inc. Server for enabling the automatic insertion of data into electronic forms on a user computer
US7334184B1 (en) 1999-03-10 2008-02-19 American Express Travel Related Services Company, Inc. Method for online information sharing for completing electronic forms
US6467684B2 (en) 1999-03-02 2002-10-22 Netvisions, Inc. Pre-paid card system for purchasing products or services
JP4185204B2 (en) * 1999-03-09 2008-11-26 株式会社東芝 Payment apparatus, computer-readable storage medium storing program, and online shopping system
AU4501600A (en) 1999-04-30 2000-11-17 X.Com Corporation System and method for electronically exchanging value among distributed users
US6609113B1 (en) 1999-05-03 2003-08-19 The Chase Manhattan Bank Method and system for processing internet payments using the electronic funds transfer network
US6227447B1 (en) 1999-05-10 2001-05-08 First Usa Bank, Na Cardless payment system
US7068832B1 (en) 1999-05-11 2006-06-27 The Chase Manhattan Bank Lockbox imaging system
US7194437B1 (en) 1999-05-14 2007-03-20 Amazon.Com, Inc. Computer-based funds transfer system
KR100582814B1 (en) 1999-05-25 2006-05-23 세이프페이 오스트레일리아 피티와이 리미티드 Method and system for handling network transactions
US7006993B1 (en) 1999-05-28 2006-02-28 The Coca-Cola Company Method and apparatus for surrogate control of network-based electronic transactions
US7350139B1 (en) 2000-06-16 2008-03-25 American Express Travel Related Services Company, Inc. System and method for utilizing a drag and drop technique to complete electronic forms
US7606760B2 (en) 1999-06-18 2009-10-20 Echarge Corporation Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
US7249097B2 (en) 1999-06-18 2007-07-24 Echarge Corporation Method for ordering goods, services, and content over an internetwork using a virtual payment account
US7058817B1 (en) 1999-07-02 2006-06-06 The Chase Manhattan Bank System and method for single sign on process for websites with multiple applications and services
US7366702B2 (en) 1999-07-30 2008-04-29 Ipass Inc. System and method for secure network purchasing
US6873974B1 (en) 1999-08-17 2005-03-29 Citibank, N.A. System and method for use of distributed electronic wallets
US7093761B2 (en) 2001-09-24 2006-08-22 E2Interactive, Inc. System and method for distributing stored-value cards
US7343351B1 (en) 1999-08-31 2008-03-11 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
US7216292B1 (en) 1999-09-01 2007-05-08 Microsoft Corporation System and method for populating forms with previously used data values
US7260724B1 (en) 1999-09-20 2007-08-21 Security First Corporation Context sensitive dynamic authentication in a cryptographic system
US6748367B1 (en) 1999-09-24 2004-06-08 Joonho John Lee Method and system for effecting financial transactions over a public network without submission of sensitive information
US7127427B1 (en) 1999-10-05 2006-10-24 Andrew Casper Secure transaction processing system and method
US6589290B1 (en) 1999-10-29 2003-07-08 America Online, Inc. Method and apparatus for populating a form with data
US6332134B1 (en) 1999-11-01 2001-12-18 Chuck Foster Financial transaction system
US7966259B1 (en) 1999-12-09 2011-06-21 Amazon.Com, Inc. System and methods for facilitating transactions on, and personalizing web pages of, third party web sites
US7610233B1 (en) 1999-12-22 2009-10-27 Accenture, Llp System, method and article of manufacture for initiation of bidding in a virtual trade financial environment
AU3086101A (en) 2000-01-05 2001-07-16 American Express Travel Related Services Company, Inc. Smartcard internet authorization system
US7395241B1 (en) 2000-01-19 2008-07-01 Intuit Inc. Consumer-directed financial transfers using automated clearinghouse networks
US7328189B2 (en) 2000-01-26 2008-02-05 Paybyclick Corporation Method and apparatus for conducting electronic commerce transactions using electronic tokens
US7177838B1 (en) 2000-01-26 2007-02-13 Paybyclick Corporation Method and apparatus for conducting electronic commerce transactions using electronic tokens
US7376621B1 (en) 2000-01-26 2008-05-20 Paybyclick Corporation Method and apparatus for conducting electronic commerce transactions using electronic tokens
US20010032878A1 (en) 2000-02-09 2001-10-25 Tsiounis Yiannis S. Method and system for making anonymous electronic payments on the world wide web
AUPQ564400A0 (en) 2000-02-16 2000-03-09 Ong, Yong Kin (Michael) Electronic credit card-ecc
EP1277162A4 (en) 2000-02-18 2008-02-20 Vasco Data Security Inc Field programmable smart card terminal and token device
AU2001243319A1 (en) 2000-02-28 2001-09-12 Sprarkcharge, Inc. System, and method for prepaid anonymous and pseudonymous credit card type transactions
WO2001067355A2 (en) 2000-03-07 2001-09-13 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US7379919B2 (en) 2000-04-11 2008-05-27 Mastercard International Incorporated Method and system for conducting secure payments over a computer network
CA2305249A1 (en) 2000-04-14 2001-10-14 Branko Sarcanin Virtual safe
US7827115B2 (en) 2000-04-24 2010-11-02 Visa International Service Association Online payer authentication service
US20020002495A1 (en) 2000-05-19 2002-01-03 Npax, Inc. Integrated pharmaceutical accounts management system and method
US7249095B2 (en) 2000-06-07 2007-07-24 The Chase Manhattan Bank, N.A. System and method for executing deposit transactions over the internet
US7426530B1 (en) 2000-06-12 2008-09-16 Jpmorgan Chase Bank, N.A. System and method for providing customers with seamless entry to a remote server
US7702580B1 (en) 2000-06-13 2010-04-20 Fannie Mae System and method for mortgage loan pricing, sale and funding
GB2367411C (en) 2000-07-10 2007-12-12 Garry Harold Gibson Pyment system
JP5005871B2 (en) 2000-07-10 2012-08-22 ペイパル， インコーポレイテッド System and method for validating financial instruments
WO2002005192A1 (en) 2000-07-11 2002-01-17 Citicorp Credit Services, Inc. Method and system for on-line payments
US7546275B1 (en) 2000-07-20 2009-06-09 International Business Machines Corporation Decentralized electronic certified payment
US7257581B1 (en) 2000-08-04 2007-08-14 Guardian Networks, Llc Storage, management and distribution of consumer information
AU2001285422A1 (en) 2000-08-11 2002-02-25 John J. Loy Trade receivable processing method and apparatus
US7206768B1 (en) 2000-08-14 2007-04-17 Jpmorgan Chase Bank, N.A. Electronic multiparty accounts receivable and accounts payable system
US7346577B1 (en) 2000-08-28 2008-03-18 Javien Digital Payment Solutions, Inc. Third-party billing system and method
JP2002099852A (en) * 2000-09-25 2002-04-05 Isola Barrier Free Co Ltd Settlement method and settlement system
US7337144B1 (en) 2000-09-28 2008-02-26 Microsoft Corporation Method and system for restricting the usage of payment accounts
US20020052841A1 (en) 2000-10-27 2002-05-02 Guthrie Paul D. Electronic payment system
US7729925B2 (en) 2000-12-08 2010-06-01 Sony Corporation System and method for facilitating real time transactions between a user and multiple entities
US20020073027A1 (en) 2000-12-11 2002-06-13 Hui Helen Shan-Shan Mobile payment system
US7130817B2 (en) 2000-12-15 2006-10-31 First Data Corporation Electronic gift linking
JP2002197390A (en) 2000-12-25 2002-07-12 Nec Corp Transaction intermediary system and transaction intermediary method
US20020120582A1 (en) 2001-02-26 2002-08-29 Stephen Elston Method for establishing an electronic commerce account
US7809650B2 (en) 2003-07-01 2010-10-05 Visa U.S.A. Inc. Method and system for providing risk information in connection with transaction processing
US20020128917A1 (en) * 2001-03-06 2002-09-12 Electronic Data Systems Corporation Method and apparatus for processing financial transactions
US7292999B2 (en) 2001-03-15 2007-11-06 American Express Travel Related Services Company, Inc. Online card present transaction
US7020645B2 (en) 2001-04-19 2006-03-28 Eoriginal, Inc. Systems and methods for state-less authentication
EP1407432B1 (en) * 2001-05-02 2007-08-22 Virtual Access Limited Secure payment method and system
US7502833B2 (en) 2001-05-11 2009-03-10 International Business Machines Corporation Method for dynamically integrating remote portlets into portals
US7249092B2 (en) 2001-05-29 2007-07-24 American Express Travel Related Services Company, Inc. System and method for facilitating a subsidiary card account with controlled spending capability
US20020184147A1 (en) 2001-06-05 2002-12-05 Boulger Gordon D. System for paying invoices
US7174302B2 (en) 2001-06-11 2007-02-06 Evolution Benefits, Inc. System and method for processing flexible spending account transactions
US7533063B2 (en) 2001-06-14 2009-05-12 Silicon Storage Technology, Inc. Smart memory card wallet
JP2003016367A (en) 2001-06-29 2003-01-17 Oki Electric Ind Co Ltd Prepaid electronic money-associated system and its control program
US7543738B1 (en) 2001-07-10 2009-06-09 American Express Travel Related Services Company, Inc. System and method for secure transactions manageable by a transaction account provider
US20040128508A1 (en) 2001-08-06 2004-07-01 Wheeler Lynn Henry Method and apparatus for access authentication entity
AU2002326635A1 (en) 2001-08-15 2003-03-03 Shea Writer Methods for verifying cardholder authenticity and for creating billing address database
US7099850B1 (en) 2001-09-21 2006-08-29 Jpmorgan Chase Bank, N.A. Methods for providing cardless payment
US20030074328A1 (en) 2001-10-09 2003-04-17 Steven Schiff System and method for conducting a financial transaction using a communication device
US6670569B2 (en) 2001-11-08 2003-12-30 First Data Corporation Mail handling equipment and methods
US7523182B2 (en) 2001-11-27 2009-04-21 Isochron, Inc. Method and system for predicting the services needs of remote point of sale devices
US7461028B2 (en) 2001-11-27 2008-12-02 Pitney Bowes Inc. Method and system for authorizing use of a transaction card
US20030101134A1 (en) 2001-11-28 2003-05-29 Liu James C. Method and system for trusted transaction approval
CA2364142A1 (en) 2001-11-30 2003-05-30 Ibm Canada Limited-Ibm Canada Limitee Authorizing multiple categories of card based financial transactions
US7805376B2 (en) 2002-06-14 2010-09-28 American Express Travel Related Services Company, Inc. Methods and apparatus for facilitating a transaction
US6901387B2 (en) 2001-12-07 2005-05-31 General Electric Capital Financial Electronic purchasing method and apparatus for performing the same
US7159180B2 (en) 2001-12-14 2007-01-02 America Online, Inc. Proxy platform integration system
US7127236B2 (en) * 2001-12-26 2006-10-24 Vivotech, Inc. Micropayment financial transaction process utilizing wireless network processing
US20030135434A1 (en) * 2002-01-14 2003-07-17 Ravi Jain System and method for micro-payments
CN102496107A (en) 2002-02-14 2012-06-13 Z·佩森 Apparatus and method of a distributed capital system
US7092913B2 (en) 2002-02-26 2006-08-15 Cannon Jr Thomas Calvin System for inexpensively executing online purchases
US7131571B2 (en) 2002-03-26 2006-11-07 First Data Corporation Alternative payment devices using electronic check processing as a payment mechanism
US7487127B2 (en) 2002-03-27 2009-02-03 First Data Corporation Merchant cash payment systems and methods
US7496952B2 (en) 2002-03-28 2009-02-24 International Business Machines Corporation Methods for authenticating a user's credentials against multiple sets of credentials
US20060143122A1 (en) 2002-05-10 2006-06-29 Sines Randy D Purchasing on the internet using verified order information and bank payment assurance
US7519560B2 (en) 2002-05-24 2009-04-14 Jpmorgan Chase Bank, N.A. System and method for electronic authorization of batch checks
US7437327B2 (en) 2002-05-24 2008-10-14 Jp Morgan Chase Bank Method and system for buyer centric dispute resolution in electronic payment system
US7472171B2 (en) 2002-06-21 2008-12-30 Jpmorgan Chase Bank, National Association Method and system for determining receipt of a delayed cookie in a client-server architecture
US7251656B2 (en) 2002-07-26 2007-07-31 Checkfree Corporation Electronic payments using multiple unique payee identifiers
US7280981B2 (en) 2002-08-27 2007-10-09 Visa U.S.A. Inc. Method and system for facilitating payment transactions using access devices
US20050044385A1 (en) 2002-09-09 2005-02-24 John Holdsworth Systems and methods for secure authentication of electronic transactions
US20040103057A1 (en) 2002-11-26 2004-05-27 Worldpass Corporation System and method for processing a long distance communication using a debit account
US7346587B2 (en) 2002-12-06 2008-03-18 Aol Llc Intelligent method of order completion in an e-commerce environment based on availability of stored billing information
US7571140B2 (en) 2002-12-16 2009-08-04 First Data Corporation Payment management
US8204806B2 (en) 2002-12-23 2012-06-19 United Services Automobile Association (Usaa) System and method of processing account information over a computer network
US6871288B2 (en) 2003-02-21 2005-03-22 Ronald K. Russikoff Computerized password verification system and method for ATM transactions
US20040236692A1 (en) 2003-04-11 2004-11-25 Kerry Sellen Authorization approved transaction
US7392536B2 (en) 2003-06-18 2008-06-24 Microsoft Corporation System and method for unified sign-on
US7483845B2 (en) 2003-06-24 2009-01-27 Nokia Corporation Methods, system, and computer readable medium for user data entry, at a terminal, for communication to a remote destination
US6932268B1 (en) 2003-06-30 2005-08-23 Checkfree Corporation Dual mode credit card based payment technique
US7761374B2 (en) 2003-08-18 2010-07-20 Visa International Service Association Method and system for generating a dynamic verification value
US20050199709A1 (en) 2003-10-10 2005-09-15 James Linlor Secure money transfer between hand-held devices
MXPA06007865A (en) 2004-01-06 2007-03-01 Epassporte N V Method of managing prepaid accounts.
US7337953B2 (en) 2004-02-06 2008-03-04 Early Warning Services, Llc. Negotiable instrument authentication systems and methods
US7873572B2 (en) * 2004-02-26 2011-01-18 Reardon David C Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages
US7577599B2 (en) 2004-03-12 2009-08-18 First Data Corporation Method and system for processing electronic payment transactions
US7580898B2 (en) 2004-03-15 2009-08-25 Qsecure, Inc. Financial transactions with dynamic personal account numbers
US7584153B2 (en) 2004-03-15 2009-09-01 Qsecure, Inc. Financial transactions with dynamic card verification values
US7580857B2 (en) 2004-04-16 2009-08-25 First Data Corporation Methods and systems for online transaction processing
US7660779B2 (en) 2004-05-12 2010-02-09 Microsoft Corporation Intelligent autofill
US20060190300A1 (en) 2004-05-19 2006-08-24 Fairpay Solutions, Inc. Post payment provider agreement process
US7219832B2 (en) 2004-06-17 2007-05-22 First Data Corporation ATM machine and methods with currency conversion capabilities
KR20070034603A (en) * 2004-06-25 2007-03-28 페퍼코인 아이엔씨 Payment processing method and system
WO2006020095A2 (en) 2004-07-16 2006-02-23 Geotrust, Inc. Security systems and services to provide identity and uniform resource identifier verification
KR100781301B1 (en) 2004-08-05 2007-11-30 주식회사 모빌리언스 Payment system and its method for supporting user verification in VoIP configuration
US7175074B2 (en) 2004-08-25 2007-02-13 Checkfree Services Corporation Methods and apparatus for processing electronic checks
US20060089906A1 (en) 2004-10-21 2006-04-27 Michael Rowley Method for securing a payment transaction over a public network
US20060131390A1 (en) 2004-12-16 2006-06-22 Kim Mike I Method and system for providing transaction notification and mobile reply authorization
TWI250435B (en) * 2004-12-24 2006-03-01 Ind Tech Res Inst Method of copyright publication and trade for stepwise digital content
JP2006236045A (en) * 2005-02-25 2006-09-07 Vodafone Kk Ic card function information output method, and mobile communication terminal apparatus
US7258268B2 (en) 2005-02-28 2007-08-21 Moneygram International, Inc. Method and apparatus for money transfer
US8887233B2 (en) 2005-04-08 2014-11-11 Netapp, Inc. Cookie-based acceleration of an authentication protocol
US7347361B2 (en) 2005-06-13 2008-03-25 Robert Lovett System, method and program product for account transaction validation
US20060294005A1 (en) 2005-06-23 2006-12-28 David Drepak Universal e-money brokerage service and method
JP2009507279A (en) 2005-08-22 2009-02-19 ピー．シー．エス．エム．リミテッド Secure Internet e-commerce system
EP2024921A4 (en) 2005-10-06 2010-09-29 C Sam Inc Transactional services
US7568631B2 (en) 2005-11-21 2009-08-04 Sony Corporation System, apparatus and method for obtaining one-time credit card numbers using a smart card
US7664699B1 (en) 2005-12-21 2010-02-16 Symantec Corporation Automatic generation of temporary credit card information
US7877353B2 (en) 2006-03-13 2011-01-25 Ebay Inc. Peer-to-peer trading platform with relative reputation-based item search and buddy rating
US20070255662A1 (en) 2006-03-30 2007-11-01 Obopay Inc. Authenticating Wireless Person-to-Person Money Transfers
US7500606B2 (en) 2006-04-14 2009-03-10 Harexinfotech, Inc. Method of settling signatureless payment of bank card sales slip in mobile terminal, and system therefor
US7552467B2 (en) 2006-04-24 2009-06-23 Jeffrey Dean Lindsay Security systems for protecting an asset
WO2007127412A2 (en) * 2006-04-28 2007-11-08 Efunds Corporation Methods and systems for opening and funding a financial account online
US8041640B2 (en) 2006-05-02 2011-10-18 Compucredit Intellectual Property Holdings Corp. Ii Method and system for account verification
AU2007282165B2 (en) 2006-05-09 2012-07-26 Ticketmaster Apparatus for access control and processing
US7540408B2 (en) 2006-06-22 2009-06-02 Hip Consult Inc. Apparatus and method for facilitating money or value transfer
US20080015985A1 (en) 2006-07-11 2008-01-17 Armand Abhari System and process for expedited payment through online banking/payment channel
US20080247629A1 (en) 2006-10-10 2008-10-09 Gilder Clark S Systems and methods for check 21 image replacement document enhancements
CN101554005A (en) 2006-10-11 2009-10-07 国际签证服务协会 Method and system for processing micropayment transactions
US7716596B2 (en) 2006-11-08 2010-05-11 International Business Machines Corporation Dynamic input field protection
US9251637B2 (en) 2006-11-15 2016-02-02 Bank Of America Corporation Method and apparatus for using at least a portion of a one-time password as a dynamic card verification value
US20080162295A1 (en) 2006-12-29 2008-07-03 Ebay Inc. Method and system for payment authentication
US20080177796A1 (en) 2007-01-19 2008-07-24 Eldering Charles A Method of Distributing Contact Information to Merchant Websites
CA2578893A1 (en) 2007-02-15 2008-08-15 Ibm Canada Limited - Ibm Canada Limitee System and method for processing payment options
US20080208762A1 (en) 2007-02-22 2008-08-28 First Data Corporation Payments using a mobile commerce device
US10853855B2 (en) 2007-05-20 2020-12-01 Michael Sasha John Systems and methods for automatic and transparent client authentication and online transaction verification
TW200845690A (en) 2007-05-14 2008-11-16 David Chiu Business protection system in internet
US20090006646A1 (en) 2007-06-26 2009-01-01 Data Frenzy, Llc System and Method of Auto Populating Forms on Websites With Data From Central Database
US7849014B2 (en) 2007-08-29 2010-12-07 American Express Travel Related Services Company, Inc. System and method for facilitating a financial transaction with a dynamically generated identifier
CA2703628C (en) 2007-10-24 2016-09-13 Securekey Technologies Inc. Method and system for effecting secure communication over a network
US7567920B2 (en) 2007-11-01 2009-07-28 Visa U.S.A. Inc. On-line authorization in access environment
US7949579B2 (en) 2007-12-07 2011-05-24 Jpmorgan Chase Bank, N.A. System and method for associating financial transaction data with a user's project data
US8214288B2 (en) 2007-12-28 2012-07-03 Ebay Inc. System and method of a passphrase account identifier for use in a network environment
US10262303B2 (en) 2007-12-28 2019-04-16 Mastercard International Incorporated Methods and systems for applying a rewards program promotion to payment transactions
US7922082B2 (en) 2008-01-04 2011-04-12 M2 International Ltd. Dynamic card validation value
US20090182675A1 (en) 2008-01-04 2009-07-16 Brody Edward Method and system for conducting electronic commerce over a network using a shadow credit card number
US20090182674A1 (en) 2008-01-14 2009-07-16 Amol Patel Facilitating financial transactions with a network device
US20090216676A1 (en) 2008-02-21 2009-08-27 Anup Kumar Mathur Integrated mobile transaction system and methods thereof
WO2009126851A1 (en) 2008-04-11 2009-10-15 Clopp Brian Affiliate and cross promotion systems and methods

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030014633A1 (en) * 2001-07-12 2003-01-16 Gruber Thomas Robert Method and system for secure, authorized e-mail based transactions
US20030061111A1 (en) * 2001-09-26 2003-03-27 International Business Machines Corporation Method and system for parent controlled e-commerce
US20030197061A1 (en) * 2002-04-23 2003-10-23 Linda Din Shopping system
US20060080238A1 (en) * 2004-08-30 2006-04-13 Nielsen Thomas A Micro-payment system architecture

Also Published As

Publication number Publication date
TW200834446A (en) 2008-08-16
CA2666262A1 (en) 2008-04-17
EP2074726A4 (en) 2011-06-01
EP2074726A2 (en) 2009-07-01
JP2010507151A (en) 2010-03-04
KR20090063254A (en) 2009-06-17
CN101554005A (en) 2009-10-07
AU2007307688B2 (en) 2011-06-23
US20130013509A1 (en) 2013-01-10
BRPI0715571A2 (en) 2013-07-02
US8335745B2 (en) 2012-12-18
US20080091619A1 (en) 2008-04-17
WO2008046012A2 (en) 2008-04-17
AU2007307688A1 (en) 2008-04-17

Similar Documents

Publication Publication Date Title
WO2008046012A3 (en) Method and system for processing micropayment transactions
WO2012161808A3 (en) Direct connection systems and methods
WO2008092010A3 (en) Payer direct hub
WO2014085478A3 (en) Systems and methods for processing electronic transactions based on consumer characteristics
WO2011068624A3 (en) System and method for approving transactions
WO2009137789A3 (en) Communication device including multi-part alias identifier
WO2008061151A3 (en) Mobile-to-mobile payment system and method
WO2006029282A3 (en) Systems, methods, and devices for combined credit card and stored value transaction accounts
WO2011019751A3 (en) Track data mapping system for processing of payment transaction data
WO2011011403A3 (en) An apparatus including data bearing medium for reducing fraud in payment transactions using a blacklist
WO2007123856A3 (en) Methods and systems for secure transactions with electronic devices
WO2008112402A8 (en) Account information lookup systems and methods in mobile commerce
WO2012103128A3 (en) Statement portal with receipt tagging and associated enhanced benefit messaging
WO2011011401A3 (en) An apparatus including data bearing medium for authorizing a payment transaction using seasoned data
WO2012151590A3 (en) Systems and methods for enabling mobile payments
WO2010068466A3 (en) Promotional item identification in processing of an acquired transaction on an issued account
WO2010045108A3 (en) P2p transfer using prepaid card
WO2011028840A3 (en) Portable consumer device with funds transfer processing
EA201071155A1 (en) PHANTOMIZATION OF PAYMENT ACCOUNT DATA IN THE MOBILE TELEPHONE TRANSACTION SYSTEM
WO2008018052A3 (en) Secure mechanism and system for processing financial transactions
WO2012082899A9 (en) Atm/kiosk cash acceptance
WO2013036170A3 (en) Third-party payments for electronic commerce
WO2005109307A3 (en) Methods and systems for providing guaranteed merchant transactions
WO2006044471A3 (en) System and method for facilitating a wireless financial transaction
WO2008153766A3 (en) Method and system for processing financial transactions using multiple financial accounts

Legal Events

Date Code Title Description
WWE Wipo information: entry into national phase

Ref document number: 200780045340.4

Country of ref document: CN

121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 07853964

Country of ref document: EP

Kind code of ref document: A2

WWE Wipo information: entry into national phase

Ref document number: 2007307688

Country of ref document: AU

WWE Wipo information: entry into national phase

Ref document number: 2666262

Country of ref document: CA

ENP Entry into the national phase

Ref document number: 2009532582

Country of ref document: JP

Kind code of ref document: A

WWE Wipo information: entry into national phase

Ref document number: 1020097007478

Country of ref document: KR

NENP Non-entry into the national phase

Ref country code: DE

WWE Wipo information: entry into national phase

Ref document number: 2007853964

Country of ref document: EP

ENP Entry into the national phase

Ref document number: 2007307688

Country of ref document: AU

Date of ref document: 20071011

Kind code of ref document: A

ENP Entry into the national phase

Ref document number: PI0715571

Country of ref document: BR

Kind code of ref document: A2

Effective date: 20090413