DE60015587D1 - Effizientes und sicheres zahlungsverarbeitungssystem - Google Patents
Effizientes und sicheres zahlungsverarbeitungssystemInfo
- Publication number
- DE60015587D1 DE60015587D1 DE60015587T DE60015587T DE60015587D1 DE 60015587 D1 DE60015587 D1 DE 60015587D1 DE 60015587 T DE60015587 T DE 60015587T DE 60015587 T DE60015587 T DE 60015587T DE 60015587 D1 DE60015587 D1 DE 60015587D1
- Authority
- DE
- Germany
- Prior art keywords
- transaction
- merchant
- buyer
- participating
- selected items
- 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.)
- Expired - Lifetime
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
- G06Q20/38—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
- G06Q20/04—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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- 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
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
-
- 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
-
- 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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Crystals, And After-Treatments Of Crystals (AREA)
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US488297 | 1990-03-02 | ||
US15730499P | 1999-10-01 | 1999-10-01 | |
US157304P | 1999-10-01 | ||
US09/488,297 US7742967B1 (en) | 1999-10-01 | 2000-01-20 | Secure and efficient payment processing system |
PCT/US2000/026965 WO2001026062A1 (en) | 1999-10-01 | 2000-09-29 | Secure and efficient payment processing system |
Publications (2)
Publication Number | Publication Date |
---|---|
DE60015587D1 true DE60015587D1 (de) | 2004-12-09 |
DE60015587T2 DE60015587T2 (de) | 2005-11-10 |
Family
ID=26853989
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
DE60015587T Expired - Lifetime DE60015587T2 (de) | 1999-10-01 | 2000-09-29 | Effizientes und sicheres zahlungsverarbeitungssystem |
Country Status (7)
Country | Link |
---|---|
US (5) | US7742967B1 (de) |
EP (1) | EP1221146B1 (de) |
JP (2) | JP4879431B2 (de) |
AT (1) | ATE281681T1 (de) |
CA (3) | CA2386139C (de) |
DE (1) | DE60015587T2 (de) |
WO (1) | WO2001026062A1 (de) |
Families Citing this family (174)
Publication number | Priority date | Publication date | Assignee | Title |
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US7818212B1 (en) * | 1999-10-22 | 2010-10-19 | Ewinwin, Inc. | Multiple criteria buying and selling model |
US8396811B1 (en) | 1999-02-26 | 2013-03-12 | Syncada Llc | Validation approach for auditing a vendor-based transaction |
US8392285B2 (en) | 1996-11-12 | 2013-03-05 | Syncada Llc | Multi-supplier transaction and payment programmed processing approach with at least one supplier |
US20080172314A1 (en) | 1996-11-12 | 2008-07-17 | Hahn-Carlson Dean W | Financial institution-based transaction processing system and approach |
US20070055582A1 (en) | 1996-11-12 | 2007-03-08 | Hahn-Carlson Dean W | Transaction processing with core and distributor processor implementations |
EP1188135A2 (de) | 1998-12-23 | 2002-03-20 | The Chase Manhattan Bank | System und verfahren zur integration von handelsaktionen einschliesslich deren erstellung, verarbeitung und verfolgung von handelsdokumenten |
US20120209743A1 (en) * | 1999-05-12 | 2012-08-16 | Mesaros Gregory J | Multiple Criteria Buying and Selling Model |
US9430769B2 (en) | 1999-10-01 | 2016-08-30 | Cardinalcommerce Corporation | Secure and efficient payment processing system |
US8571975B1 (en) | 1999-11-24 | 2013-10-29 | Jpmorgan Chase Bank, N.A. | System and method for sending money via E-mail over the internet |
FR2803961B1 (fr) * | 2000-01-19 | 2002-03-15 | Ghislain Moret | Systeme de securisation des transactions lors d'achats par correspondance |
US7822656B2 (en) | 2000-02-15 | 2010-10-26 | Jpmorgan Chase Bank, N.A. | International banking system and method |
US8768836B1 (en) | 2000-02-18 | 2014-07-01 | Jpmorgan Chase Bank, N.A. | System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image |
CA2403283A1 (en) | 2000-03-15 | 2001-09-20 | Edward J. Hogan | Method and system for secure payments over a computer network |
US6990470B2 (en) | 2000-04-11 | 2006-01-24 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network |
US20100228668A1 (en) * | 2000-04-11 | 2010-09-09 | Hogan Edward J | Method and System for Conducting a Transaction Using a Proximity Device and an Identifier |
US7177848B2 (en) | 2000-04-11 | 2007-02-13 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
US20100223186A1 (en) * | 2000-04-11 | 2010-09-02 | Hogan Edward J | Method and System for Conducting Secure Payments |
US7379919B2 (en) | 2000-04-11 | 2008-05-27 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network |
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US7146338B2 (en) | 2001-06-28 | 2006-12-05 | Checkfree Services Corporation | Inter-network financial service |
WO2002015098A2 (en) | 2000-08-11 | 2002-02-21 | Loy John J | Trade receivable processing method and apparatus |
US7617146B2 (en) * | 2000-09-05 | 2009-11-10 | Primerevenue, Inc. | Factoring system and method |
WO2002037386A1 (en) | 2000-11-06 | 2002-05-10 | First Usa Bank, N.A. | System and method for selectable funding of electronic transactions |
WO2002048846A2 (en) * | 2000-12-14 | 2002-06-20 | Quizid Technologies Limited | An authentication system |
US8805739B2 (en) | 2001-01-30 | 2014-08-12 | Jpmorgan Chase Bank, National Association | System and method for electronic bill pay and presentment |
US6915279B2 (en) | 2001-03-09 | 2005-07-05 | Mastercard International Incorporated | System and method for conducting secure payment transactions |
US7237117B2 (en) | 2001-03-16 | 2007-06-26 | Kenneth P. Weiss | Universal secure registry |
CN1535440A (zh) * | 2001-04-27 | 2004-10-06 | 麻省理工学院 | 用于微支付交易的方法和*** |
FR2827724B1 (fr) * | 2001-07-18 | 2003-12-12 | France Telecom | Procede d'inscription d'un acheteur aupres d'un serveur de paiement et procede de telepaiement fonde sur cette inscription |
US7111789B2 (en) * | 2001-08-31 | 2006-09-26 | Arcot Systems, Inc. | Enhancements to multi-party authentication and other protocols |
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US7899753B1 (en) | 2002-03-25 | 2011-03-01 | Jpmorgan Chase Bank, N.A | Systems and methods for time variable financial authentication |
FR2838895B1 (fr) * | 2002-04-22 | 2005-03-04 | France Telecom | Procede de fourniture d'acces a des services a partir d'un terminal de communication, et serveur plate-forme utilise dans ce procede |
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GB0210692D0 (en) | 2002-05-10 | 2002-06-19 | Assendon Ltd | Smart card token for remote authentication |
US7689482B2 (en) * | 2002-05-24 | 2010-03-30 | Jp Morgan Chase Bank, N.A. | System and method for payer (buyer) defined electronic invoice exchange |
US8645266B2 (en) | 2002-06-12 | 2014-02-04 | Cardinalcommerce Corporation | Universal merchant platform for payment authentication |
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US7693783B2 (en) | 2002-06-12 | 2010-04-06 | Cardinalcommerce Corporation | Universal merchant platform for payment authentication |
US20110202565A1 (en) * | 2002-12-31 | 2011-08-18 | American Express Travel Related Services Company, Inc. | Method and system for implementing and managing an enterprise identity management for distributed security in a computer system |
US10311412B1 (en) | 2003-03-28 | 2019-06-04 | Jpmorgan Chase Bank, N.A. | Method and system for providing bundled electronic payment and remittance advice |
US8630947B1 (en) | 2003-04-04 | 2014-01-14 | Jpmorgan Chase Bank, N.A. | Method and system for providing electronic bill payment and presentment |
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US10445795B2 (en) * | 2003-07-31 | 2019-10-15 | Swiss Reinsurance Company Ltd. | Systems and methods for multi-level business processing |
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CA2802886A1 (en) | 2001-04-12 |
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CA2386139C (en) | 2013-06-11 |
DE60015587T2 (de) | 2005-11-10 |
JP4879431B2 (ja) | 2012-02-22 |
CA2802886C (en) | 2018-05-01 |
US8676694B2 (en) | 2014-03-18 |
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