AU3977597A - Financial transaction, authorization, notification and security apparatus - Google Patents

Financial transaction, authorization, notification and security apparatus

Info

Publication number
AU3977597A
AU3977597A AU39775/97A AU3977597A AU3977597A AU 3977597 A AU3977597 A AU 3977597A AU 39775/97 A AU39775/97 A AU 39775/97A AU 3977597 A AU3977597 A AU 3977597A AU 3977597 A AU3977597 A AU 3977597A
Authority
AU
Australia
Prior art keywords
authorization
notification
financial transaction
security apparatus
security
Prior art date
Legal status (The legal status 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 status listed.)
Abandoned
Application number
AU39775/97A
Inventor
Robert Richard Bock
Raymond Anthony Joao
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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
Priority claimed from US08/873,945 external-priority patent/US5878337A/en
Application filed by Individual filed Critical Individual
Publication of AU3977597A publication Critical patent/AU3977597A/en
Abandoned legal-status Critical Current

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
    • G06Q20/04—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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
AU39775/97A 1996-08-08 1997-08-07 Financial transaction, authorization, notification and security apparatus Abandoned AU3977597A (en)

Applications Claiming Priority (7)

Application Number Priority Date Filing Date Title
US69419996A 1996-08-08 1996-08-08
US08694199 1996-08-08
US08874051 1997-06-12
US08873945 1997-06-12
US08/873,945 US5878337A (en) 1996-08-08 1997-06-12 Transaction security apparatus and method
US08/874,051 US5903830A (en) 1996-08-08 1997-06-12 Transaction security apparatus and method
PCT/US1997/014133 WO1998006214A1 (en) 1996-08-08 1997-08-07 Financial transaction, authorization, notification and security apparatus

Publications (1)

Publication Number Publication Date
AU3977597A true AU3977597A (en) 1998-02-25

Family

ID=27418593

Family Applications (1)

Application Number Title Priority Date Filing Date
AU39775/97A Abandoned AU3977597A (en) 1996-08-08 1997-08-07 Financial transaction, authorization, notification and security apparatus

Country Status (2)

Country Link
AU (1) AU3977597A (en)
WO (1) WO1998006214A1 (en)

Families Citing this family (28)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2771875B1 (en) * 1997-11-04 2000-04-14 Gilles Jean Antoine Kremer METHOD FOR TRANSMITTING INFORMATION AND COMPUTER SERVER IMPLEMENTING IT
FI980427A (en) * 1998-02-25 1999-08-26 Ericsson Telefon Ab L M Procedure, arrangement and device for verification
US6393411B1 (en) * 1998-07-21 2002-05-21 Amdahl Corporation Device and method for authorized funds transfer
FR2787273B1 (en) * 1998-12-14 2001-02-16 Sagem SECURE PAYMENT PROCESS
FR2792143B1 (en) * 1999-04-12 2004-04-02 Sarl Smart Design METHOD AND SYSTEM FOR SECURING THE USE OF CARDS COMPRISING MEANS OF IDENTIFICATION AND / OR AUTHENTICATION
CA2312012A1 (en) * 1999-06-30 2000-12-30 Lucent Technologies Inc. Transaction notification system and method
US6584309B1 (en) * 1999-12-16 2003-06-24 The Coca-Cola Company Vending machine purchase via cellular telephone
ITPI20000011A1 (en) * 2000-03-03 2001-09-03 Emanuele Gagliano METHOD AND PAYMENT SYSTEM FOR E-COMMERCE AND MOBILE COMMERCE BASED ON THE COMBINED USE OF INTERNET AND MOBILE TELEPHONE NETWORKS
AU2001263510A1 (en) * 2000-05-26 2001-12-11 Alcatel Usa Sourcing, L.P. System and method for reporting transaction information in a card-based transaction
US7177849B2 (en) * 2000-07-13 2007-02-13 International Business Machines Corporation Method for validating an electronic payment by a credit/debit card
AU2001280023A1 (en) * 2000-07-17 2002-01-30 Richard O'connell System and methods of validating an authorized user of a payment card and authorization of a payment card transaction
KR20000063971A (en) * 2000-08-14 2000-11-06 강태교 Online credit card reverse approval system
US7444301B2 (en) * 2001-01-05 2008-10-28 Incapital Holdings Llc Method and system for enhanced distribution of financial instruments
KR20020066596A (en) * 2001-02-12 2002-08-21 강정호 A system verifying a approval for business and an method therefor
FR2824407B1 (en) * 2001-05-07 2003-07-25 Cegetel METHOD FOR SECURING A PAYMENT FROM A CUSTOMER TO A MERCHANT, LOCATION CENTER AND CORRESPONDING SYSTEM
FR2827982B1 (en) * 2001-07-27 2005-02-18 Smart Design METHOD FOR SECURING TRANSACTIONS
FR2828309B1 (en) * 2001-08-02 2005-08-26 Ascom Monetel METHOD AND DEVICE FOR SECURING TRANSACTIONS
KR100679352B1 (en) * 2001-08-07 2007-02-05 (주)웨디슨 테크놀러지 Accounting method by authentication of mobile telecommunication company
IL154872A0 (en) * 2003-03-11 2003-10-31 A method for an on/off switching of a remote and predetermined online authorized procedure
CN100530226C (en) 2003-07-22 2009-08-19 诺基亚公司 Reader device for radio frequency identification transponder with transponder functionality
ATE428994T1 (en) 2004-03-19 2009-05-15 Nokia Corp DETECTOR LOGIC AND RADIO IDENTIFICATION DEVICE AND METHOD FOR IMPROVING TERMINAL OPERATION
US7275685B2 (en) 2004-04-12 2007-10-02 Rearden Capital Corporation Method for electronic payment
US7748617B2 (en) 2004-04-12 2010-07-06 Gray R O'neal Electronic identification system
US7337956B2 (en) * 2004-04-12 2008-03-04 Rearden Capital Corporation System and method for facilitating the purchase of goods and services
US7175073B2 (en) * 2005-03-02 2007-02-13 International Business Machines Corporation Secure cell phone for ATM transactions
EP1986164A3 (en) * 2007-04-26 2008-11-05 First Inland Bank PLC Communication system and method
US9230259B1 (en) 2009-03-20 2016-01-05 Jpmorgan Chase Bank, N.A. Systems and methods for mobile ordering and payment
JP6145188B1 (en) * 2016-02-29 2017-06-07 楽天株式会社 Information processing system, server device, information processing method, and information processing program

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1057178C (en) * 1994-05-19 2000-10-04 黄金富 Anti-theft security method for non-cash immediate payment and its equipment system

Also Published As

Publication number Publication date
WO1998006214A1 (en) 1998-02-12

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