WO1999031630A1 - Procede de realisation de transactions financieres, systeme a cet effet et porte-monnaie electronique - Google Patents
Procede de realisation de transactions financieres, systeme a cet effet et porte-monnaie electronique Download PDFInfo
- Publication number
- WO1999031630A1 WO1999031630A1 PCT/CH1997/000471 CH9700471W WO9931630A1 WO 1999031630 A1 WO1999031630 A1 WO 1999031630A1 CH 9700471 W CH9700471 W CH 9700471W WO 9931630 A1 WO9931630 A1 WO 9931630A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- electronic purse
- connection
- buyer
- link
- establishing
- Prior art date
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
- G06Q20/22—Payment schemes or models
- G06Q20/26—Debit schemes, e.g. "pay now"
-
- 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
- G06Q20/3267—In-app payments
-
- 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
- G06Q20/327—Short range or proximity payments by means of M-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
- G06Q20/30—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
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- 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
- G07F7/0866—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 by active credit-cards adapted therefor
Definitions
- the present invention relates to the field of financial transactions between a buyer, at least a seller and at least a financial institution.
- the invention comprises a method for carrying out financial transactions, a system for this purpose and an electronic purse forming part of said system.
- the authorized spending amount is generally limited.
- This limitation may be of the type limiting the amount per transaction or limiting the amount of transactions over a specified period, for example a day or a month, the type of limitation being fixed by the card issuing institute and / or by the type of card.
- This limitation stems from the fact that the issuing institute that issued the card and controls the use of it is generally not informed in real time of the expenses incurred by the buyer.
- This is a disadvantage of this type of card especially for users with an account sufficiently funded with the issuing institution or the bank and wishing to make payments beyond the fixed limit, which thus cannot access to all of their resources.
- the method of carrying out financial transactions relating to a purchase by a buyer from a seller proposes to remedy the described drawbacks of existing methods, in particular by providing a communication system between the bank or the financial institution. issue, the buyer and the seller, which establishes the various operations of identity control, authorization of expenditure, debit and credit in real or almost real time, this being possible thanks to an electronic wallet in possession of the buyer.
- the single figure schematically shows the proposed system as well as its various components, in particular the electronic purse.
- Institute 1 has given this user an electronic purse 2.
- the seller of a product or service is provided with a collection device 3.
- the seller is a customer of a bank 4.
- Institute 1 is provided means 10 for transmitting and receiving signals from a link 5 to and from the electronic purse 2 as well as signals from a link 8 to and from the bank 4.
- the collection device 3 is provided with means making it possible to receive and optionally send signals from a link 6 from the electronic purse 2 and send and receive signals from a link 7 to and from bank 4.
- the electronic purse 2 includes in particular a keyboard 20, only numeric or alphanumeric, a screen 21 and an internal electronic circuit 22, coupled to means for transmitting and receiving signals from the link 5 towards the institute 1
- the signals of the link 5 between the electronic purse 2 and the institute 1 are preferably radio signals.
- the connection 5 between the electronic purse 2 and the institute 1 is done by means of a portable telephone 23 connected by a cable to a suitable port arranged on the electronic purse, the transmission is by means of the telephone network 50. Since the electronic purse 2 is already provided with a keyboard and a screen, it is possible, according to another embodiment, to directly integrate the mobile telephone 23 in the electronic purse 2 or on the contrary to integrate an electronic purse 2 in a mobile phone.
- the link 5 between the electronic purse 2 and the institute 1 can be a direct radio link 51 or more generally a link 52 via a relay 53 on land then the telephone network 54 or another link 55 between the electronic purse 2 and a satellite 56 which transmits the signal via a relay 53 or directly to the institute 1.
- the electronic purse 2 is provided with a antenna 24.
- a radio link 5 as above would not be possible, for example in the case of an underground store, a link between the electronic purse 2 and the institute 1 would be possible via some of the link means 6, 7 and 8 described below.
- the user When he wishes to pay for a purchase or a service, the user, respectively the buyer, first establishes the link 5 of the type provided on his electronic wallet or the best possible link, taking into account his geographical position , in the case where the electronic purse is equipped to be able to carry out one or the other of the links 5 mentioned above.
- the establishment of a connection 5 begins with the emission of a code, memorized in the circuit 22, and specific to each electronic purse 2.
- the institute 1 immediately identifies exactly the door -Electronic money 2 which calls, after which the user enters an additional code, a digital PIN code, using the keyboard 20 in order to identify himself.
- a computer program installed in the electronic purse 2 then scrolls down a menu on the screen 21, by which the user then requests, using the keyboard 20, to debit the account he has with the institute 1 of an amount corresponding to the amount of the purchase he wants to pay or a higher amount and credit his electronic wallet 2 of this amount in electronic money. All of these operations take place via link 5.
- the transaction between the buyer and the seller is carried out through a link 6 which is established during the payment between the electronic purse 2 and the collection device 3.
- This transaction consists in transferring the amount or part of the amount into electronic money which has just been loaded into the electronic purse 2, towards the cashing device 3.
- the link 6 can be designed according to one of the following embodiments.
- the electronic purse 2 is completed with a smart card 61 provided in particular with writable memory means.
- the electronic circuit 22 charges the memory of said card in electronic money with the amount of the transaction to be carried out, in a manner similar to that currently used to load "E-CASH" cards. Identification and / or authorization codes can be loaded simultaneously.
- this card 61 is removed from the electronic purse 2 and is transmitted to the collection device 3 where it is inserted into an appropriate slot.
- the card 61 is compatible with the already existing card system, for example in petrol dispensers or "E-CASH" payment systems, and it is read and debited in a similar manner.
- the card 61 can be accepted by a device of the "BANCOMAT” type in order to deliver cash.
- the identification codes are first of all read by an appropriate means 30 of the collection device 3, then the latter device or the seller seeks to establish a connection between said collection device 3 and the issuing institution or bank 1 in which the buyer has an account.
- This connection can be established in different ways. Since the seller is affiliated to the system offered by institute 1, the connection can be established directly between the collection device 3 and institute 1. As a variant, this connection can be established in two portions, a first portion 7 between the collection device 3 and the bank 4 of which the seller is a client, then by a second connection 8 between this bank 4 and the institute 1 . Since the collection device 3, the bank 4 and the issuing institute 1 are arranged in determined locations, the connections 7 and 8 are preferably made via the telephone network shown schematically at 70 and 80, or by any other means, for example Internet connections.
- the collection device 3 As soon as the collection device 3 is linked to the institute 1, it questions the latter, on the basis of the identification code or codes read on the card 61, on the authorization to debit the buyer's account the amount of the transaction. As soon as this authorization is received, the card 61 is debited with the amount corresponding to the transaction, this amount, in electronic form then being recorded by the link 7 to the seller's bank 4.
- the amount is definitively transmitted from institute 1 to bank 4.
- the link 6 can be of the electromagnetic type, shown diagrammatically at 62, the electronic purse 2 comprising an emission circuit and an antenna, while the collection device 3 comprises a receiver circuit and an antenna.
- this link 62 can be of the infrared or ultrasound type, the transmitting and receiving devices being adapted to this type of link.
- a cable 63 provided with two connectors cooperating with corresponding connectors installed respectively on the electronic purse 2 and the cashing device 3.
- the links 62 and 63 described above transmit the same type of information as that transmitted by the link by the smart card 61 described above. Relative to the transmission 60 via the smart card 61, a link of the type 62 or 63 has the advantage of allowing a bidirectional transmission between the electronic purse 2 and the collection device 3.
- connection 6 can be carried out using this device.
- a very important aspect of the process and the system is the security offered to the various partners of the transaction, the issuing institute 1, the buyer or holder of the electronic purse 2 as well as the seller or owner of the collection device. 3 and its bank 4.
- the transaction is carried out without exchange of cash, which is a first security measure.
- the institute 1 knows in real time the state of the account of the holder of the electronic purse 2, it can grant an authorization of expenditure which may be greater than the amount fixes existing systems as long as the account holder remains in credit.
- the seller since the seller establishes a link 7, 8 in real time during the payment of the transaction by the buyer, when the institute 1 has granted its guarantee of payment of the amount of the transaction, the seller is insured of this payment and can therefore accept a payment of an amount greater than a fixed amount.
- the institute 1 may only grant the above guarantee if the holder of the electronic purse has loaded his electronic purse 2 with an amount corresponding to that of the transaction or higher, in during the day or within a specified time interval before interrogation by the collection device 3. Special precautions must be taken to ensure that the holder of an electronic purse 2 wishing to make a purchase is the holder recognized by institute 1 of said electronic purse. As already indicated, the holder of the electronic wallet must enter a digital PIN code before any transaction. Other identification means can also be provided, in particular means for detecting a parameter specific to the holder of the electronic purse.
- the electronic purse 2 can be provided with a sensitive zone 25 on which the wearer places the imprint of one of his fingers, an imprint which is read and is compared to an imprint stored in a circuit of memory of the electronic purse 2. It is only when a control circuit has checked that the fingerprint of the holder corresponds to the imprint of the holder stored in the memory circuit of the electronic purse 2, that the transaction authorization is granted.
- fingerprint control as a means of recognition, other parameters can be used, such as for example the signature of the wearer which is to be applied to the sensitive area 25.
- the mentioned means of recognition can be used when several holders are recognized for a specific electronic wallet, for example employees of a company holding an electronic wallet or members of a family.
- the memory circuit includes all the fingerprints or all the authorized signatures, the PIN code of each authorized user can be different in order to differentiate the users at the institute 1.
- the internal circuit 22 of the electronic purse 2 recognized the parameter entered, fingerprint, signature or other, it can issue a recognition code, which can be separated from the mentioned identification code or combined with the identification code, or the identification code can only be transmitted when the recognition is positive.
- the institute 1 knows that it is indeed the holder that it knows of a determined electronic purse that acts, while the seller is assured of payment by the discharge that he receives by the bond 7.8.
- the holder of an electronic purse knows that a possible thief of his electronic purse cannot use it.
- the system thus described makes it possible to avoid any fraud between any two of the partners of the system.
- the method has been described with the establishment of a connection 5 between the electronic purse 2 and the institute 1 before each transaction.
- the user or holder of the electronic purse 2 can also, when planning to make one or more purchases during the day, fill his electronic purse 2 with a determined amount by establishing a connection 5 with the institute 1 at the start of the day for example, from a place where such a connection is easily achievable, then debit successively one's electronic purse 2 of the amounts of the transactions carried out at different collection devices 3.
- An advantage of such a method of doing is that a single connection 5 is established to fill the electronic purse 2 with electronic money, from a place where the connection is easy.
- the program menu integrated into the electronic purse can advantageously include a function of restoring the amount remaining at the end of the day in the electronic purse 2 to the institute 1 by establishing a new connection 5, this function being able to be automatic, that is to say activated at a fixed fixed time, or manual, that is to say activated by the user.
- this function being able to be automatic, that is to say activated at a fixed fixed time, or manual, that is to say activated by the user.
- the program included in the electronic purse 2 allows you to carry out a transaction in any currency; when requesting an authorization to spend, the user can specify the currency concerned, the transaction then taking place in this currency.
- the electronic purse 2 is advantageously provided with a barcode reader 26, allowing the user making purchases in a supermarket where the prices of the products are indicated by barcodes, to obtain the total amount of his purchases after having passed the barcode reader 26 in front of each of the labels provided with such a purchase code, so as to have time to establish a connection 5 with the institute 1 and to obtain authorization to spend before going to the cash register, respectively to the collection device 3.
- the electronic purse 2 includes a mobile phone, or can be connected to such a device, it is also possible to make purchases, respectively payments, during purchases by TV or on the Internet.
- the electronic purse 2 may be provided with a tag 27, of the ARGOS, GPS or other type, making it possible to find an electronic purse which has been stolen or lost.
- the holder can notify the institute 1 which first of all can empty the electronic purse and / or deactivate it via the link 5 then activate a search by the beacon 27 in the case where the electronic purse 2 is provided with such a tag.
- the seller could be informed of this fact when establishing the connection between the collection device 3 and institute 1.
- a separate remote control 9 by which the user can send a signal 90, for example radioelectric to the electronic wallet in order to deactivate it and possibly to control the return operation of the remaining amount.
- This remote control 9 can advantageously be integrated in a separate portable telephone or in another common object, such as for example a key ring.
- institute electronic purse keyboard screen internal electronic circuit portable telephone device antenna sensitive area barcode reader beacon collection device internal electronic circuit seller's bank links electronic purse / transmitting institute telephone network radio link radio link telephone network relay radio link satellite electronic purse links / POS device smart card link smart card electromagnetic or ultrasonic link cable link POS device / seller's bank telephone network link seller's bank / issuing institute telephone network remote control link remote control / electronic wallet
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
Description
Claims
Priority Applications (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/CH1997/000471 WO1999031630A1 (fr) | 1997-12-17 | 1997-12-17 | Procede de realisation de transactions financieres, systeme a cet effet et porte-monnaie electronique |
AU51865/98A AU5186598A (en) | 1997-12-17 | 1997-12-17 | Method for carrying out financial transactions, system therefor and electronic purse |
EP97946721A EP1048011A1 (fr) | 1997-12-17 | 1997-12-17 | Procede de realisation de transactions financieres, systeme a cet effet et porte-monnaie electronique |
JP2000539452A JP2002509305A (ja) | 1997-12-17 | 1997-12-17 | 金融取引を可能にするプロセス、そのシステムおよび電子財布 |
CA002315000A CA2315000A1 (fr) | 1997-12-17 | 1997-12-17 | Procede de realisation de transactions financieres, systeme a cet effet et porte-monnaie electronique |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/CH1997/000471 WO1999031630A1 (fr) | 1997-12-17 | 1997-12-17 | Procede de realisation de transactions financieres, systeme a cet effet et porte-monnaie electronique |
Publications (1)
Publication Number | Publication Date |
---|---|
WO1999031630A1 true WO1999031630A1 (fr) | 1999-06-24 |
Family
ID=4550917
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/CH1997/000471 WO1999031630A1 (fr) | 1997-12-17 | 1997-12-17 | Procede de realisation de transactions financieres, systeme a cet effet et porte-monnaie electronique |
Country Status (5)
Country | Link |
---|---|
EP (1) | EP1048011A1 (fr) |
JP (1) | JP2002509305A (fr) |
AU (1) | AU5186598A (fr) |
CA (1) | CA2315000A1 (fr) |
WO (1) | WO1999031630A1 (fr) |
Cited By (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2800893A1 (fr) * | 1999-11-08 | 2001-05-11 | Sylvain Maklouf | Procede et terminal pour effectuer une transaction avec une carte a puce |
WO2001048715A2 (fr) * | 1999-12-28 | 2001-07-05 | Nokia Corporation | Appareil, et procede associe permettant d'acceder a un service de transaction a distance |
JP2003524841A (ja) * | 2000-02-10 | 2003-08-19 | ジョン ショアー, | 無線取引用金融転送、電子記録可能な授権転送、その他の情報転送を行う装置、システム、及び方法 |
US8429084B1 (en) | 2011-10-27 | 2013-04-23 | Erik T. Bogaard | Confirming local marketplace transaction consummation for online payment consummation |
US10339525B2 (en) | 2011-10-27 | 2019-07-02 | Boom! Payments, Inc. | Confirming local marketplace transaction consummation for online payment consummation |
Citations (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0401192A1 (fr) * | 1989-06-02 | 1990-12-05 | de Baets, Thierry | Système de taxation ou péage automatique pour véhicules routiers |
US5221838A (en) * | 1990-12-24 | 1993-06-22 | Motorola, Inc. | Electronic wallet |
EP0590861A2 (fr) * | 1992-09-29 | 1994-04-06 | AT&T Corp. | Authorisation à haute sécurité d'une carte de débit/crédit |
EP0708547A2 (fr) * | 1994-09-22 | 1996-04-24 | AT&T Corp. | Téléphone cellulaire utilisé comme contrÔleur de transaction authentifié |
WO1996025828A1 (fr) * | 1995-02-15 | 1996-08-22 | Nokia Mobile Phones Ltd. | Procede pour utiliser des applications dans un poste mobile, poste mobile et systeme pour effectuer des paiements |
WO1996032700A1 (fr) * | 1995-04-11 | 1996-10-17 | Au-System | Ameliorations concernant les portefeuilles electroniques |
WO1997045814A1 (fr) * | 1996-05-24 | 1997-12-04 | Behruz Vazvan | Procede et systeme en temps reel servant a effectuer des transactions a distance de paiement de factures et d'achats et a transferer de la monnaie electronique et d'autres donnees |
-
1997
- 1997-12-17 AU AU51865/98A patent/AU5186598A/en not_active Abandoned
- 1997-12-17 WO PCT/CH1997/000471 patent/WO1999031630A1/fr not_active Application Discontinuation
- 1997-12-17 EP EP97946721A patent/EP1048011A1/fr not_active Ceased
- 1997-12-17 CA CA002315000A patent/CA2315000A1/fr not_active Abandoned
- 1997-12-17 JP JP2000539452A patent/JP2002509305A/ja active Pending
Patent Citations (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0401192A1 (fr) * | 1989-06-02 | 1990-12-05 | de Baets, Thierry | Système de taxation ou péage automatique pour véhicules routiers |
US5221838A (en) * | 1990-12-24 | 1993-06-22 | Motorola, Inc. | Electronic wallet |
EP0590861A2 (fr) * | 1992-09-29 | 1994-04-06 | AT&T Corp. | Authorisation à haute sécurité d'une carte de débit/crédit |
EP0708547A2 (fr) * | 1994-09-22 | 1996-04-24 | AT&T Corp. | Téléphone cellulaire utilisé comme contrÔleur de transaction authentifié |
WO1996025828A1 (fr) * | 1995-02-15 | 1996-08-22 | Nokia Mobile Phones Ltd. | Procede pour utiliser des applications dans un poste mobile, poste mobile et systeme pour effectuer des paiements |
WO1996032700A1 (fr) * | 1995-04-11 | 1996-10-17 | Au-System | Ameliorations concernant les portefeuilles electroniques |
WO1997045814A1 (fr) * | 1996-05-24 | 1997-12-04 | Behruz Vazvan | Procede et systeme en temps reel servant a effectuer des transactions a distance de paiement de factures et d'achats et a transferer de la monnaie electronique et d'autres donnees |
Cited By (12)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2800893A1 (fr) * | 1999-11-08 | 2001-05-11 | Sylvain Maklouf | Procede et terminal pour effectuer une transaction avec une carte a puce |
WO2001048715A2 (fr) * | 1999-12-28 | 2001-07-05 | Nokia Corporation | Appareil, et procede associe permettant d'acceder a un service de transaction a distance |
WO2001048715A3 (fr) * | 1999-12-28 | 2002-01-17 | Nokia Corp | Appareil, et procede associe permettant d'acceder a un service de transaction a distance |
US6816724B1 (en) | 1999-12-28 | 2004-11-09 | Nokia Corporation | Apparatus, and associated method, for remotely effectuating a transaction service |
JP2003524841A (ja) * | 2000-02-10 | 2003-08-19 | ジョン ショアー, | 無線取引用金融転送、電子記録可能な授権転送、その他の情報転送を行う装置、システム、及び方法 |
US8706627B2 (en) | 2000-02-10 | 2014-04-22 | Jon Shore | Apparatus, systems and methods for wirelessly transacting financial transfers , electronically recordable authorization transfers, and other information transfers |
US8429084B1 (en) | 2011-10-27 | 2013-04-23 | Erik T. Bogaard | Confirming local marketplace transaction consummation for online payment consummation |
US20130198035A1 (en) * | 2011-10-27 | 2013-08-01 | Erik T. Bogaard | Confirming local marketplace transaction consummation for online payment consummation |
US9235857B2 (en) * | 2011-10-27 | 2016-01-12 | Boom! Payments, Inc. | Confirming local marketplace transaction consummation for online payment consummation |
US10176479B2 (en) * | 2011-10-27 | 2019-01-08 | Boom! Payments, Inc. | Confirming local marketplace transaction consummation for online payment consummation |
US10339525B2 (en) | 2011-10-27 | 2019-07-02 | Boom! Payments, Inc. | Confirming local marketplace transaction consummation for online payment consummation |
US10346840B2 (en) | 2011-10-27 | 2019-07-09 | Boom! Payments, Inc. | Confirming local marketplace transaction consummation for online payment consummation |
Also Published As
Publication number | Publication date |
---|---|
JP2002509305A (ja) | 2002-03-26 |
CA2315000A1 (fr) | 1999-06-24 |
AU5186598A (en) | 1999-07-05 |
EP1048011A1 (fr) | 2000-11-02 |
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