WO2008096273A3 - System and method for performing payment transactions, verifying age, verifying identity, and managing taxes - Google Patents

System and method for performing payment transactions, verifying age, verifying identity, and managing taxes Download PDF

Info

Publication number
WO2008096273A3
WO2008096273A3 PCT/IB2008/000886 IB2008000886W WO2008096273A3 WO 2008096273 A3 WO2008096273 A3 WO 2008096273A3 IB 2008000886 W IB2008000886 W IB 2008000886W WO 2008096273 A3 WO2008096273 A3 WO 2008096273A3
Authority
WO
WIPO (PCT)
Prior art keywords
age
merchant
verifying
smartcard
taxes
Prior art date
Application number
PCT/IB2008/000886
Other languages
French (fr)
Other versions
WO2008096273A2 (en
Inventor
Sean Copeland
Csaba Fekszi
Zalán Lóránd SZILAGYI
Original Assignee
Business Intelligent Processing Systems, Plc
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 Business Intelligent Processing Systems, Plc filed Critical Business Intelligent Processing Systems, Plc
Priority to AU2008212549A priority Critical patent/AU2008212549A1/en
Priority to EP08750847A priority patent/EP2122554A4/en
Priority to CA002681391A priority patent/CA2681391A1/en
Publication of WO2008096273A2 publication Critical patent/WO2008096273A2/en
Publication of WO2008096273A3 publication Critical patent/WO2008096273A3/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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

Age authentication and management of taxes for a merchant. The merchant can verify the age of a customer based on the customer's use of a smartcard that is obtained from a validation authority. The smartcard may contain a certificate related to the age of the user. By utilizing the smartcard, the user can go to an online, virtual, or brick-and-mortar merchant and buy goods requiring age restrictions. When the customer proceeds to purchase a good or service requiring age verification, the merchant' s application can obtain information from the smartcard and request from the validation authority information authenticating the user's age. Further, the validation authority may also remit and pay taxes on behalf of the merchant based on the location of the merchant and other information stored in a merchant profile.
PCT/IB2008/000886 2007-02-09 2008-02-11 System and method for performing payment transactions, verifying age, verifying identity, and managing taxes WO2008096273A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
AU2008212549A AU2008212549A1 (en) 2007-02-09 2008-02-11 System and method for performing payment transactions, verifying age, verifying identity, and managing taxes
EP08750847A EP2122554A4 (en) 2007-02-09 2008-02-11 System and method for performing payment transactions, verifying age, verifying identity, and managing taxes
CA002681391A CA2681391A1 (en) 2007-02-09 2008-02-11 System and method for performing payment transactions, verifying age, verifying identity, and managing taxes

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US90056307P 2007-02-09 2007-02-09
US60/900,563 2007-02-09

Publications (2)

Publication Number Publication Date
WO2008096273A2 WO2008096273A2 (en) 2008-08-14
WO2008096273A3 true WO2008096273A3 (en) 2011-04-21

Family

ID=39596359

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2008/000886 WO2008096273A2 (en) 2007-02-09 2008-02-11 System and method for performing payment transactions, verifying age, verifying identity, and managing taxes

Country Status (5)

Country Link
US (1) US20080265020A1 (en)
EP (1) EP2122554A4 (en)
AU (1) AU2008212549A1 (en)
CA (1) CA2681391A1 (en)
WO (1) WO2008096273A2 (en)

Families Citing this family (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20080040275A1 (en) * 2006-04-25 2008-02-14 Uc Group Limited Systems and methods for identifying potentially fraudulent financial transactions and compulsive spending behavior
US8099329B2 (en) * 2006-04-25 2012-01-17 Uc Group Limited Systems and methods for determining taxes owed for financial transactions conducted over a network
US20100106611A1 (en) * 2008-10-24 2010-04-29 Uc Group Ltd. Financial transactions systems and methods
US20100191606A1 (en) * 2009-01-23 2010-07-29 Microsoft Corporation Tax calculation extensibility techniques
US20120016696A1 (en) * 2010-07-14 2012-01-19 Huckjin Lee Home-based Money Transaction Method
US20120036048A1 (en) 2010-08-06 2012-02-09 Diy Media, Inc. System and method for distributing multimedia content
US8825531B1 (en) * 2011-05-12 2014-09-02 Ecr Software Corporation Automated self-checkout system
EP3439267A1 (en) * 2011-06-03 2019-02-06 UC Group Limited Systems and methods for managing chargeback requests
GB2546991A (en) * 2016-02-03 2017-08-09 Sony Interactive Entertainment Inc Digitally mediated user classification
MX2019005317A (en) * 2016-11-04 2019-08-05 Walmart Apollo Llc Authenticating online transactions using separate computing device.
US10607242B1 (en) 2017-02-14 2020-03-31 Patreon, Inc. Generation of subscription recommendations for content creators
US10621532B1 (en) 2017-02-14 2020-04-14 Patreon, Inc. Generation of engagement and support recommendations for content creators
FR3104779B1 (en) * 2019-12-13 2024-03-29 Ingenico Group METHOD AND SYSTEM, DEVICE AND PAYMENT TERMINAL USING PERSONAL DATA
US11270330B1 (en) * 2020-02-26 2022-03-08 Patreon, Inc. Systems and methods to determine tax classification of benefits offered to subscribers of a membership platform
US11386377B1 (en) 2020-03-17 2022-07-12 Patreon, Inc. Systems and methods to recommend price of benefit items offered through a membership platform
US11790391B1 (en) 2020-03-17 2023-10-17 Patreon, Inc. Systems and methods to recommend benefit types of benefit items to offer within a membership platform
US11368735B1 (en) 2021-05-18 2022-06-21 Patreon, Inc. Systems and methods to facilitate quality control of benefit items created for subscribers of a membership platform
US11715126B1 (en) 2021-06-07 2023-08-01 Patreon, Inc. Systems and methods to process payments for subscribership within a membership platform
US11675860B1 (en) 2021-07-28 2023-06-13 Patreon, Inc. Systems and methods to generate creator page recommendations for content creators

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2443028A1 (en) * 2001-04-06 2002-10-17 Freedom Card Limited Payment system
US20040044739A1 (en) * 2002-09-04 2004-03-04 Robert Ziegler System and methods for processing PIN-authenticated transactions
US20050137987A1 (en) * 2003-12-22 2005-06-23 Robert May Customer age verification

Family Cites Families (57)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3559175A (en) * 1967-10-23 1971-01-26 Ivan Dwayne Pomeroy Credit card system
US4186871A (en) * 1978-03-01 1980-02-05 International Business Machines Corporation Transaction execution system with secure encryption key storage and communications
US4317957A (en) * 1980-03-10 1982-03-02 Marvin Sendrow System for authenticating users and devices in on-line transaction networks
US4500750A (en) * 1981-12-30 1985-02-19 International Business Machines Corporation Cryptographic application for interbank verification
GB2168514A (en) * 1984-12-12 1986-06-18 Ibm Security module
US5036461A (en) * 1990-05-16 1991-07-30 Elliott John C Two-way authentication system between user's smart card and issuer-specific plug-in application modules in multi-issued transaction device
US5266781A (en) * 1991-08-15 1993-11-30 Datacard Corporation Modular card processing system
WO1993010509A1 (en) * 1991-11-12 1993-05-27 Security Domain Pty. Ltd. Method and system for secure, decentralised personalisation of smart cards
US5453601A (en) * 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
SE502424C2 (en) * 1994-02-17 1995-10-16 Telia Ab Method and device for certificate management systems
JP3176209B2 (en) * 1994-02-25 2001-06-11 富士通株式会社 Card-type storage medium and card-type storage medium issuing device
US5583933A (en) * 1994-08-05 1996-12-10 Mark; Andrew R. Method and apparatus for the secure communication of data
US5621796A (en) * 1994-09-30 1997-04-15 Electronic Payment Services, Inc. Transferring information between transaction networks
US5544086A (en) * 1994-09-30 1996-08-06 Electronic Payment Services, Inc. Information consolidation within a transaction 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
US5889941A (en) * 1996-04-15 1999-03-30 Ubiq Inc. System and apparatus for smart card personalization
US6021943A (en) * 1996-10-09 2000-02-08 Chastain; Robert H. Process for executing payment transactions
US6202155B1 (en) * 1996-11-22 2001-03-13 Ubiq Incorporated Virtual card personalization system
DE19710249C2 (en) * 1997-03-12 2002-03-28 Siemens Nixdorf Inf Syst Network-supported chip card transaction method and arrangement for processing transactions
US6078898A (en) * 1997-03-20 2000-06-20 Schlumberger Technologies, Inc. System and method of transactional taxation using secure stored data devices
US6282522B1 (en) * 1997-04-30 2001-08-28 Visa International Service Association Internet payment system using smart card
US20020007411A1 (en) * 1998-08-10 2002-01-17 Shvat Shaked Automatic network user identification
US6141694A (en) * 1997-09-16 2000-10-31 Webtv Networks, Inc. Determining and verifying user data
US6199762B1 (en) * 1998-05-06 2001-03-13 American Express Travel Related Services Co., Inc. Methods and apparatus for dynamic smartcard synchronization and personalization
US6196459B1 (en) * 1998-05-11 2001-03-06 Ubiq Incorporated Smart card personalization in a multistation environment
AU5587999A (en) * 1998-08-27 2000-05-01 Citibank, N.A. System and use for correspondent banking
FR2785694B1 (en) * 1998-11-05 2001-01-12 Gemplus Card Int CHIP CARD PERSONALIZATION SYSTEM
US6402028B1 (en) * 1999-04-06 2002-06-11 Visa International Service Association Integrated production of smart cards
US6615264B1 (en) * 1999-04-09 2003-09-02 Sun Microsystems, Inc. Method and apparatus for remotely administered authentication and access control
US6648222B2 (en) * 1999-06-02 2003-11-18 Mcdonald Ian Internet-based zero intrinsic value smart card with value data accessed in real time from remote database
DE59912687D1 (en) * 1999-07-06 2005-11-24 Swisscom Mobile Ag METHOD FOR TESTING CARDS FROM USERS OF PUBLIC TRANSPORT
WO2001057609A2 (en) * 2000-01-31 2001-08-09 Trivnet Ltd. Applications of automatic internet identification methods
US6588673B1 (en) * 2000-02-08 2003-07-08 Mist Inc. Method and system providing in-line pre-production data preparation and personalization solutions for smart cards
AUPQ730600A0 (en) * 2000-05-04 2000-05-25 Canon Kabushiki Kaisha A method for self-programming smart cards
US7203311B1 (en) * 2000-07-21 2007-04-10 The Directv Group, Inc. Super encrypted storage and retrieval of media programs in a hard-paired receiver and storage device
US6876986B1 (en) * 2000-10-30 2005-04-05 Hewlett-Packard Development Company, L.P. Transaction payment system
US6729549B2 (en) * 2000-12-19 2004-05-04 International Business Machines Corporation System and method for personalization of smart cards
US6637648B1 (en) * 2000-12-21 2003-10-28 Marathon Ashland Petroleum Llc Credit/debit card for regulated transactions
US7313538B2 (en) * 2001-02-15 2007-12-25 American Express Travel Related Services Company, Inc. Transaction tax settlement in personal communication devices
US20020133466A1 (en) * 2001-03-13 2002-09-19 Pugh James B. Internet payment system
US7237117B2 (en) * 2001-03-16 2007-06-26 Kenneth P. Weiss Universal secure registry
FR2823330B1 (en) * 2001-04-10 2004-08-20 Gemplus Card Int METHOD AND SYSTEM FOR MANAGING DATA TO BE STORED IN A MEMORY, FOR EXAMPLE OF THE CODE OF AN APPLICATION LOADED IN A PROGRAMMABLE CHIP CARD
US8087988B2 (en) * 2001-06-15 2012-01-03 Igt Personal gaming device and method of presenting a game
US7996324B2 (en) * 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US20030144956A1 (en) * 2002-01-28 2003-07-31 Yu Mason K. System and method for capturing payments data onto uniquely identified payer-carried chips for periodic upload and download with institutions
GB2388498B (en) * 2002-05-07 2005-10-19 Nokia Corp Method and apparatus for ensuring address information of a wireless terminal device in communications network
US6916244B2 (en) * 2002-06-05 2005-07-12 Cyberscan Technology, Inc. Server-less cashless gaming systems and methods
US7147148B2 (en) * 2002-09-20 2006-12-12 Ruediger Guenter Kreuter Remote personalization and issuance of identity documents
US6820059B2 (en) * 2003-04-08 2004-11-16 Richard Glee Wood Method for reducing fraud in government benefit programs using a smart card
US6880752B2 (en) * 2003-04-16 2005-04-19 George V. Tarnovsky System for testing, verifying legitimacy of smart card in-situ and for storing data therein
US7318550B2 (en) * 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
JP4455440B2 (en) * 2004-07-30 2010-04-21 キヤノン株式会社 Image forming system, image forming method, and program
US7697737B2 (en) * 2005-03-25 2010-04-13 Northrop Grumman Systems Corporation Method and system for providing fingerprint enabled wireless add-on for personal identification number (PIN) accessible smartcards
WO2006116455A2 (en) * 2005-04-26 2006-11-02 Applera Corporation System for genetic surveillance and analysis
US7818783B2 (en) * 2006-03-08 2010-10-19 Davis Russell J System and method for global access control
US7739744B2 (en) * 2006-03-31 2010-06-15 Novell, Inc. Methods and systems for multifactor authentication
US8489716B2 (en) * 2007-02-02 2013-07-16 Silver Spring Networks, Inc. Method and system of providing network addresses to in-premise devices in a utility network

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2443028A1 (en) * 2001-04-06 2002-10-17 Freedom Card Limited Payment system
US20040044739A1 (en) * 2002-09-04 2004-03-04 Robert Ziegler System and methods for processing PIN-authenticated transactions
US20050137987A1 (en) * 2003-12-22 2005-06-23 Robert May Customer age verification

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP2122554A4 *

Also Published As

Publication number Publication date
WO2008096273A2 (en) 2008-08-14
CA2681391A1 (en) 2008-08-14
US20080265020A1 (en) 2008-10-30
EP2122554A2 (en) 2009-11-25
AU2008212549A1 (en) 2008-08-14
EP2122554A4 (en) 2012-03-28

Similar Documents

Publication Publication Date Title
WO2008096273A3 (en) System and method for performing payment transactions, verifying age, verifying identity, and managing taxes
CN105960776B (en) Token authentication using limited-use credentials
EA201000310A1 (en) SECURITY OF TRADE TRANSACTIONS IN THE NETWORK
WO2007148234A3 (en) System and method for authenticating a customer's identity and completing a secure credit card transaction without the use of a credit card number
TW200845690A (en) Business protection system in internet
MX2008011021A (en) Method and system for performing two factor authentication in mail order and telephone order transactions.
US9818103B2 (en) Secure exchange of indicia of value and associated information
JP2009534741A5 (en)
US20140156456A1 (en) Method of on-line shopping with real-name authentication
US20190005496A1 (en) Managing customer uniqueness in tokenised systems
WO2017112812A1 (en) Systems and methods for registering for card authentication reads
WO2019205824A1 (en) Payment method and system for pledge-payable online trading
CN111552954A (en) Account management method and device
KR20130050960A (en) Network secure pay-as-you-go system
CN109754257A (en) Use the system and method for personal cloud platform enhancing online user's certification
KR20130103008A (en) Security payment system using wholesaler's credit loan and method thereof
KR20110110594A (en) Secured payment method and system in integration of online and offline
CN104835034A (en) Register and transfer methods capable of automatically transferring money
KR102527580B1 (en) System supporting certificate of principal and interest receivable transaction based on the seller's transaction asset authentication result
KR20080018580A (en) Electronic payment system using electronic card and method thereof
KR20100057162A (en) System and method for providing of charging/using card inclusive of using card of plural and recording medium
KR20100057166A (en) System and method for management of charging/using card by using step and recording medium
KR200342639Y1 (en) Terminal for approval of electronic signature
KR101045814B1 (en) Charging / use card charging method and system using wireless terminal
KR20100057167A (en) System and method for multiple using card management of charging/using card and recording medium

Legal Events

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

Ref document number: 08750847

Country of ref document: EP

Kind code of ref document: A2

NENP Non-entry into the national phase

Ref country code: DE

WWE Wipo information: entry into national phase

Ref document number: 2008750847

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 2008212549

Country of ref document: AU

ENP Entry into the national phase

Ref document number: 2681391

Country of ref document: CA

ENP Entry into the national phase

Ref document number: 2008212549

Country of ref document: AU

Date of ref document: 20080211

Kind code of ref document: A