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WO2000068845A1 - Procede d'execution d'une transaction - Google Patents

Procede d'execution d'une transaction Download PDF

Info

Publication number
WO2000068845A1
WO2000068845A1 PCT/AU2000/000421 AU0000421W WO0068845A1 WO 2000068845 A1 WO2000068845 A1 WO 2000068845A1 AU 0000421 W AU0000421 W AU 0000421W WO 0068845 A1 WO0068845 A1 WO 0068845A1
Authority
WO
WIPO (PCT)
Prior art keywords
purchaser
merchant
funds
purchase
funds provider
Prior art date
Application number
PCT/AU2000/000421
Other languages
English (en)
Inventor
Terry Shanahan
Original Assignee
Terry Shanahan
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 Terry Shanahan filed Critical Terry Shanahan
Priority to AU42766/00A priority Critical patent/AU4276600A/en
Publication of WO2000068845A1 publication Critical patent/WO2000068845A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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

Definitions

  • the present invention relates to a method of transaction and in particular to a
  • the invention has been developed primarily for use with the internet and will be
  • the merchant then has a funds provider remit payment.
  • the merchant may provide the purchaser's details to others who may then attempt
  • Such defrauding may occur until the credit limit of a credit card has been
  • the method including the
  • the funds provider provides the purchaser with an encoded payment
  • the first portion of the payment signal is not passed from the
  • the first portion is passed to the merchant
  • the second data portion is indicative of a merchant confirmation
  • the payment signal includes a third data portion indicating a
  • the purchaser and the merchant have means for decoding the third portion to obtain the
  • the first data portion is indicative of a customer
  • the purchaser remotely electronically
  • the purchaser has both the internet sites open
  • the purchase signal is indicative of a purchase number and the
  • the purchaser has means for determining the purchase number. More preferably, the
  • the purchaser is provided the purchase signal to confirm the
  • the purchaser utilises a computer having a program that automatically
  • the merchant communicates with the
  • the communications are configured to hinder any unscrupulous
  • the second portion is fungible.
  • the second portion is fungible.
  • the second portion has a direct monetary value and is credited to an account nominated
  • the second portion allows an electronic funds transfer
  • each party to the transaction terminates the transaction.
  • each party to the transaction terminates the transaction.
  • transaction includes a computer with respective transaction software.
  • the termination occurs it disables the program of the party attempting the edit.
  • the disabled program preferably
  • the purchaser has an account with the funds provider having an account
  • the monetary value is less than the available fund balance.
  • the purchaser has a subsidiary account with the funds provider having a subsidiary available fund balance
  • the funds are less than or equal to the available fund balance. More preferably, the funds
  • the subsidiary available fund balance is set to match the
  • the subsidiary available fund balance is set by the
  • the subsidiary available fund balance is set by the funds
  • the account is a credit account accessed by a credit card and the
  • subsidiary account is accessed by a subsidiary credit card.
  • the subsidiary credit card carries an independent identification to the subsidiary credit card
  • the subsidiary card includes a predetermined expiration
  • the expiration date is a predetermined number of days after issue
  • the funds provider provides the purchaser with an encoded payment signal having at least a first and second data portion wherein the purchaser has
  • the merchant and the purchaser and the funds provider More preferably, the purchaser,
  • the merchant and the fund provider each employ respective computers for
  • the respective computers communicate via a
  • the purchaser's computer includes generating means for decoding at
  • the merchant's computer includes
  • the funds provider's computer includes generating means for
  • the generation means is software located on
  • the generation means is hardware
  • the payment signal includes a third portion which is decodable by the
  • a purchaser computer operable by the purchaser
  • a merchant computer operable by the merchant for electronically communicating
  • a funds provider computer operable by the funds provider for establishing
  • the computers communicate via the internet.
  • the computers communicate via the internet.
  • the computers communicate via a dedicated network.
  • the method including the steps of: establishing communication between the purchaser and the funds provider such
  • the funds provider provides
  • the method includes the step of:
  • the merchant does not receive the first portion of the purchase signal.
  • the first portion of the payment signal is transmitted to the first portion of the payment signal
  • the payment signal includes a third data portion.
  • the payment signal includes a third data portion.
  • third data portion is decodable by the purchaser only. In other embodiments, the third
  • the third data portion is decodable by the merchant only.
  • the third data is decodable by the merchant only.
  • portion is decodable by the purchaser and the merchant.
  • the third portion includes data representative of a transaction number.
  • the communication occurs between a purchaser computer, a merchant
  • communication is established over the internet. In other embodiments, communication is established over
  • the funds provider provides the purchaser with an encoded payment
  • the first portion of the payment signal is not passed from the
  • the first portion is passed to the merchant, although it can not be decoded. More preferably, the second data portion is
  • the purchaser and the merchant have means for decoding the third
  • the first data portion is
  • the purchaser remotely communicates with the funds provider and the
  • the funds provider and the merchant provide
  • the purchaser has
  • the purchase signal is indicative of a purchase number and the
  • the purchaser has means for determining the purchase number. More preferably, the
  • the purchaser is provided the purchase
  • the purchase signal is communicated to the funds provider for the purchase signal.
  • the purchaser utilises a computer having a program that
  • the merchant communicates with the
  • the communications are configured to hinder any unscrupulous
  • the second portion is fungible.
  • the second portion has a direct monetary
  • the second portion allows an electronic funds transfer (EFT) between EFT and EFT.
  • EFT electronic funds transfer
  • each party to the transaction accommodating both credit and debit transactions.
  • each party to the transaction is a party to the transaction.
  • transaction includes a computer with respective transaction software. More preferably,
  • the purchaser has an account with the funds provider having an available fund balance
  • to the monetary value includes the step of determining whether the monetary value is
  • Figure 1 illustrates a simulated computer screen that is available to a purchaser
  • Figure 2 is a simulated computer screen subsequent to that of Figure 1;
  • Figure 3 is a simulated computer screen subsequent to that of Figure 2;
  • Figure 4 is a simulated computer screen subsequent to that of Figure 3;
  • Figure 5 is a simulated computer screen subsequent to that of Figure 4;
  • Figure 6 is a simulated computer screen subsequent to that of Figure 5; and
  • Figure 7 is a schematic diagram of a system for facilitating the method of the
  • the method includes
  • each party to the transaction includes a computer with respective
  • the purchaser remotely electronically communicates with the funds provider and
  • the merchant provides the purchaser with a monetary value corresponding to
  • the method further includes establishing electronic communication between the
  • the funds provider provides the
  • the first data portion is indicative of a customer confirmation number and cannot be decoded by the
  • the first portion of the payment signal is not passed from the
  • the first portion is passed to
  • the purchase signal is indicative of a purchase number and the purchaser has
  • the purchaser provides the purchase signal
  • the purchaser is provided the purchase signal to confirm the
  • the purchaser utilises a computer having a program that automatically configures
  • program is configured upon establishing communication with the funds provider.
  • the method further includes the steps of establishing electronic communication
  • the second data portion is indicative of a merchant
  • the communication is configured to hinder any unscrupulous parties to the transaction from
  • the second portion of the purchase signal is fungible.
  • the second portion has a
  • EFT electronic funds transfer
  • the purchase signal includes a third data portion indicating a transaction number
  • the purchaser has an account with the funds provider having an available funds
  • corresponding to monetary value includes the steps of determining whether the monetary value is less than the available funds balance.
  • the purchaser can determine whether the monetary value is less than the available funds balance.
  • the purchaser has a subsidiary account of the account with the funds provider
  • the funds provider sets a maximum limit to the funds available to the
  • the subsidiary available fund balance is set to match
  • the fund balance is arbitrarily
  • the account is a credit account accessed by a credit card and the subsidiary
  • the subsidiary credit card carries an
  • subsidiary credit card carries identification which is at least in part linked with the
  • the subsidiary card includes a predetermined expiration date.
  • the expiration of the subsidiary card occurs upon the execution of a
  • the system includes a means of
  • computers 10 and 20 are
  • the system includes a means of establishing electronic communication between
  • the funds provider provides the purchaser
  • the purchaser has means for decoding at least the first portion.
  • computers 10 and 30 are connected by wireless means over the internet.
  • the system further includes a means of establishing electronic communication
  • computers 10, 20 and 30 communicate
  • a funds provider includes the steps of the
  • the purchaser then communicates with the funds provider electronically such
  • the funds provider provides the purchaser with an encoded payment
  • the purchaser decodes the first portion by comparison to
  • the funds provider provides the
  • the purchaser communicates at least the second portion of the payment signal to
  • the merchant decodes the second
  • At least the second portion of the payment signal is communicated to
  • the merchant via an internet web site, verbally, or the like.
  • the merchant also sends a confirmation signal
  • the confirmation signal is
  • the confirmation signal is transmitted electronically and includes data representative of the purchase price.
  • the confirmation signal is transmitted by post, facsimile or other
  • networks such as telephone or computer networks and wireless communications systems
  • networks may support such electronic communications through the utilisation of optical,

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Ce procédé d'exécution d'une transaction électronique entre un marchand (20), offrant à la vente des marchandises ou services, un acheteur (10) souhaitant acheter au moins un service ou une marchandise, et un fournisseur de fonds (30), comprend l'étape consistant à établir une communication électronique entre l'acheteur, le marchand et le fournisseur de fonds, via l'Internet. Une fois la communication établie entre l'acheteur et le marchand, le marchand indique à l'acheteur une valeur monétaire correspondant aux fonds requis pour effectuer l'achat des marchandises désignées. Le fournisseur de fonds procure à l'acheteur un signal de paiement codé comportant une première et une seconde portion de données, l'acheteur possédant les moyens de décoder la première portion et le marchand ceux pour décoder la seconde portion.
PCT/AU2000/000421 1999-05-05 2000-05-05 Procede d'execution d'une transaction WO2000068845A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU42766/00A AU4276600A (en) 1999-05-05 2000-05-05 A method of transaction

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
AUPQ0188 1999-05-05
AUPQ0188A AUPQ018899A0 (en) 1999-05-05 1999-05-05 A method of electronic transaction

Publications (1)

Publication Number Publication Date
WO2000068845A1 true WO2000068845A1 (fr) 2000-11-16

Family

ID=3814396

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/AU2000/000421 WO2000068845A1 (fr) 1999-05-05 2000-05-05 Procede d'execution d'une transaction

Country Status (2)

Country Link
AU (1) AUPQ018899A0 (fr)
WO (1) WO2000068845A1 (fr)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997016897A1 (fr) * 1995-11-01 1997-05-09 First Virtual Holdings, Inc. Systeme de paiement informatise pour l'achat de biens et de services sur internet
US5715314A (en) * 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US5930767A (en) * 1997-05-28 1999-07-27 Motorola, Inc. Transaction methods systems and devices
US5987140A (en) * 1996-04-26 1999-11-16 Verifone, Inc. System, method and article of manufacture for secure network electronic payment and credit collection
US5996076A (en) * 1997-02-19 1999-11-30 Verifone, Inc. System, method and article of manufacture for secure digital certification of electronic commerce
US6047268A (en) * 1997-11-04 2000-04-04 A.T.&T. Corporation Method and apparatus for billing for transactions conducted over the internet

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5715314A (en) * 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
WO1997016897A1 (fr) * 1995-11-01 1997-05-09 First Virtual Holdings, Inc. Systeme de paiement informatise pour l'achat de biens et de services sur internet
US5987140A (en) * 1996-04-26 1999-11-16 Verifone, Inc. System, method and article of manufacture for secure network electronic payment and credit collection
US5996076A (en) * 1997-02-19 1999-11-30 Verifone, Inc. System, method and article of manufacture for secure digital certification of electronic commerce
US5930767A (en) * 1997-05-28 1999-07-27 Motorola, Inc. Transaction methods systems and devices
US6047268A (en) * 1997-11-04 2000-04-04 A.T.&T. Corporation Method and apparatus for billing for transactions conducted over the internet

Also Published As

Publication number Publication date
AUPQ018899A0 (en) 1999-05-27

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