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WO2000070514A1 - Mecanisme de prepaiement pour achats en ligne - Google Patents

Mecanisme de prepaiement pour achats en ligne Download PDF

Info

Publication number
WO2000070514A1
WO2000070514A1 PCT/US1999/028131 US9928131W WO0070514A1 WO 2000070514 A1 WO2000070514 A1 WO 2000070514A1 US 9928131 W US9928131 W US 9928131W WO 0070514 A1 WO0070514 A1 WO 0070514A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
user
repository
merchant
service
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.)
Ceased
Application number
PCT/US1999/028131
Other languages
English (en)
Inventor
Eric S. Freeman
Luisa Ruiz-Hernandez
Gregory A. Cohen
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.)
CYBERMOOLA Inc
Original Assignee
CYBERMOOLA Inc
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 CYBERMOOLA Inc filed Critical CYBERMOOLA Inc
Priority to AU18332/00A priority Critical patent/AU1833200A/en
Publication of WO2000070514A1 publication Critical patent/WO2000070514A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • 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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • 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
    • G06Q20/38—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
    • G06Q20/4037—Remote solvency checks
    • 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

Definitions

  • the present invention is directed toward the field of electronic commerce, and more particularly toward a pre-payment mechanism to allow users to purchase goods and services over the Internet.
  • E-commerce consists of a buyer who purchases
  • One type of electronic transaction is where a merchant, entitled herein as a web merchant, offers a product and/or service for sale on the Internet.
  • the web merchant displays the goods and/or services offered on a "web site", accessible by a well- established standard protocol, such as the protocol underlying the World Wide
  • commerce transactions must involve a way to transfer legal tender from the buyer to the seller.
  • a consumer purchases a product or service over
  • a credit card is used. However, use of a credit card to conduct e-
  • the age of 18 do not have credit cards.
  • the youth segment of the population constitutes a significant market. Typically, the youth segment shops
  • a pre-payment mechanism permits conducting electronic-commerce
  • the mechanism may consist of a physical card or purely electronic.
  • the user associates a unique serial number, obtained from the pre-payment mechanism, with a user
  • the user selects the prepayment mechanism as a payment option, and submits information, including an
  • the web merchant queries the repository to obtain authorization to purchase the goods or
  • the transaction is conducted between the user and the merchant utilizing
  • the pre-payment mechanism if the merchant obtains authorization from the repository.
  • Figure 1 is a diagram illustrating one embodiment for using the
  • Figure 2 illustrates a general flow for the distribution of pre- payment mechanisms from the repository to the user.
  • Figure 3 is a flow diagram illustrating one embodiment for
  • Figure 4 is a flow diagram illustrating one embodiment for conducting e-commerce using the CybermoolaTM System.
  • Figure 5 illustrates one embodiment for implementing user account services in the CybermoolaTM System.
  • Figure 6 is a flow diagram illustrating one embodiment for a
  • Figure 7a is a block diagram illustrating one embodiment for
  • Figure 7b illustrates the flow for the transaction-approved process.
  • Figure 7c illustrates one embodiment for a transaction reconciliation where the transaction is denied.
  • Figure 8 illustrates a high level block diagram of a general purpose
  • Figure 1 is a diagram illustrating one embodiment for using the
  • pre-payment mechanism for Internet commerce.
  • system that provides a pre-payment mechamsm for users to purchase good and services on ⁇
  • CybermoolaTM System The CybermoolaTM
  • System 100 shown in Figure 1 involves the interaction among a user, such as user 115, a repository 130 (e.g. , CybermoolaTM-repository), and at least one Web
  • the CybermoolaTM System 100 optionally includes a point of sale 120, such as a retail store, and a merchandise warehouse 165 associated with the Web merchant 150. In general, the CybermoolaTM System 100 permits the user 115 to purchase goods/ services offered at a Web merchant
  • the user 115 first acquires a pre-payment mechanism.
  • the prepayment mechanism may comprise a physical card 125 or an electronic prepayment mechamsm.
  • the pre-paid mechamsm is a physical card.
  • the repository 130 generates unique serial numbers
  • the point of sale 120 may consist of a retailer (e.g. , convenience store, grocery store, etc.), vending machines, automated teller machines (ATMs), etc.
  • a retailer e.g. , convenience store, grocery store, etc.
  • vending machines e.g., vending machines, automated teller machines (ATMs), etc.
  • ATMs automated teller machines
  • the physical card contains a means to store information associated
  • the physical card includes
  • the information may also be
  • the information includes the unique serial number embedded on the card as human readable alpha-numeric characters.
  • pre-payment mechamsm contains at least the unique serial number (USN).
  • the pre-payment mechanism may be entirely electronic. For this
  • the user acquires the electronic pre-payment mechanism via the
  • the electronic pre-payment mechamsm also includes information necessary to utilize the CybermoolaTM System of the present invention. A complete description of distributing physical and electronic
  • the pre-payment mechanism is a physical card
  • the physical card is activated prior to use. In general, the activation of the pre-payment
  • the point of sale i.e., retail store
  • the point of sale i.e., retail store
  • pre-payment physical card 125 may be activated at the point of sale 120 by the
  • the user associates the pre-payment mechanism with a user account through use of the unique serial number of the
  • the user account may correspond with more than one
  • the account database 140 (part
  • the repository 130 (e.g. , CybermoolaTM repository) builds
  • a Web merchant is defined as any
  • offering for sale goods and/or services over the Internet, such as offering
  • participating Web merchant includes, as a payment option for purchases of goods
  • the e-commerce 155 portion of Web merchant 150 depicted as the e-commerce 155 portion of Web merchant 150.
  • the e-commerce 155 portion of Web merchant 150 depicted as the e-commerce 155 portion of Web merchant 150.
  • the repository 130 contains the transaction server 145 to interface the repository 145
  • the payment cartridge 160 of the Web Merchant 150 communicates to
  • the transaction server 145 of the repository 130 to authorize transactions.
  • the user 115 makes a purchase at the Web merchant 150. For example, the user may visit the Web merchant's Web site, select a product or service, and select, as a payment option, the pre-payment mechanism.
  • the user 115 may visit the Web merchant's Web site, select a product or service, and select, as a payment option, the pre-payment mechanism.
  • the user 115 may visit the Web merchant's Web site, select a product or service, and select, as a payment option, the pre-payment mechanism.
  • the user 115 may visit the Web merchant's Web site, select a product or service, and select, as a payment option, the pre-payment mechanism.
  • the user 115 may visit the Web merchant's Web site, select a product or service, and select, as a payment option, the pre-payment mechanism.
  • the user 115 may visit the Web merchant's Web site, select a product or service, and select, as a payment option, the pre-payment
  • the Web merchant 150 In response to selecting the pre-payment option, the Web merchant 150.
  • the repository 130 receives the query, ascertains the status of the pre-payment mechanism, and sends a notification indicating whether
  • the repository 130 sends a response to the Web merchant to either "approve” or "reject” the use of the pre-payment
  • repository 130 reconciles the
  • the repository 130 stores transaction) for the purchase of the goods and/or services.
  • the Web merchant thus receives payment for the purchase of the
  • Figure 2 illustrates a general flow for the distribution of pre ⁇
  • the repository 130 provides payment mechanisms from the repository to the user.
  • the repository 130 generates unique serial numbers, human readable, on either
  • the user may purchase the physical card at a retailer (240), vending
  • vending machine e.g. , cash, debit card or credit card
  • the vending machine dispenses a pre-activated card.
  • the user selects the pre-payment mechanism option, the ATM dispenses a pre-activated physical card, and thereafter the ATM repository
  • the user may receive the physical card through a promotion (block
  • An event may include any promotional item (block 255).
  • the card is pre-activated.
  • Electronic pre-payment mechamsm may also be purchased
  • Electronic pre-payment mechanisms may be purchased by the user on-line at a
  • the user visits the merchant web site, selects the pre ⁇
  • the user visits the repository web site over the Internet; pays to the
  • pre-payment mechamsm receives from the repository an e-mail confirmation of the purchase.
  • the recipient of the pre-payment mechanism also receives a confirmation e-mail from the repository.
  • the user may receive the electronic pre-payment mechamsm via
  • the user chooses, at the repository web site, a specific promotion associated with an electronic pre ⁇
  • the user may receive the pre-payment mechanism at the merchant
  • the user receives the pre-payment
  • Figure 3 is a flow diagram illustrating one embodiment for
  • the payment process involves the repository or web merchant site to display a screen that includes: instructions to purchase the electronic pre ⁇
  • the payment process also provides the means for the user to
  • payment feedback involves the repository or web merchant site displaying a purchase confirmation, the amount
  • the site displays a gift form (blocks 315 and 320).
  • the gift form (blocks 315 and 320).
  • a screen includes: fields to specify a recipient to send the gift via e-mail or regular mail; and fields to enter recipient information, such as
  • the account process displays a confirmation of the gift setup (block 325) .
  • the pre-payment mechanism is a physical card purchased by the pre-payment mechanism.
  • the user also initiates the account setup process at the USN entry form (blocks 348 and 330).
  • the unique serial In one embodiment, the unique serial
  • number entry form includes one more screen display that include: an explanation
  • the repository or web merchant site displays card feedback (block 335). In one
  • the repository site displays a screen to indicate whether the physical card is valid. For example, if the physical card was obtained without proper
  • the account setup paid process involves the repository web site
  • the screen may include instructions for
  • the screen also permits the user regarding the CybermoolaTM System.
  • the screen also permits the user
  • the user may wish to remain anonymous, or the user
  • the user enters a PIN setup form (block 342).
  • the PIN setup form includes: information regarding user accounts; PIN setup
  • a PIN setup form feedback page (block 344).
  • the pin setup In one embodiment, the pin setup
  • form feedback page includes; an account number, PIN question/answer
  • Figure 3 also illustrates a flow for electronic pre-payment
  • the promotional page of the account setup process is initiated (block 352).
  • the repository displays a screen that includes: a promotional specific page that
  • the repository displays a screen that
  • the repository web site After submission of the account setup promos information, the repository web site displays a PIN setup
  • the screen includes: information about user accounts; PIN setup input fields; forgotten password question/ answers setup; and
  • the repository web site displays a feedback page (block 358).
  • the feedback page displays: an account number and PIN confirmation; and instructions to proceed to the promotional web page.
  • the user is then directed to proceed to the repository promotional page (block 360).
  • Figure 4 is a flow diagram illustrating one embodiment for
  • e-commerce electronic commerce
  • the user selects, as a payment option, the pre-payment mechanism
  • the web merchant displays a summary of the transaction (blocks 450 and 460).
  • the web merchant ships the goods to the user or provides the service
  • the web merchant informs the user that the transaction is denied (block 475).
  • the CybermoolaTM system includes several components
  • Figure 5 illustrates one embodiment for
  • the user starts at the account services menu (block 500) .
  • the account services menu (block 500) .
  • the account services menu may be selected from the home page of
  • account services include the ability to recharge a user account (block 510), generate a transaction report
  • account service permits a user to add money to an existing account.
  • the repository displays a screen with
  • the user then has the ability to select a payment option, such as entering a credit card, as well as the
  • the repository Web site provides feedback
  • the feedback comprises a screen that displays a
  • a transaction report service (block 540) permits a user to query
  • account information includes the balance on the account
  • Account services also permit a user to transfer funds from his/her
  • a transfer process is initiated by displaying at the
  • a user may either transfer an amount to another account (i.e. , to consolidate accounts) or request a check (block 585).
  • the repository Web site provides a screen to elicit information to send the check (block 590).
  • This screen includes fields for the user to enter an
  • Figure 6 is a flow diagram illustrating one embodiment for a
  • a transaction is conducted between a user and a web merchant with the
  • pre-payment mechamsm used to purchase the goods and/or services (block 600). After completion of the e-commerce transaction, the web merchant ships the
  • the user receives the goods and/or services from the web merchant
  • the web merchant notifies the repository that the goods have been shipped (block 630) .
  • the repository removes the pending status from the e-commerce transaction, and flags the web merchant for payment of the
  • web merchant bank receives the electronic funds transferred from the repository
  • FIGS. 7a-7c illustrate one embodiment for transaction
  • the web merchant operates in conjunction with a payment cartridge
  • Figure 7a is a block diagram
  • FIG. 7a web merchant 700, which incorporates the web merchant Web site,
  • the web merchant 700 is coupled to the payment cartridge 705.
  • the web merchant 700 is coupled to the payment cartridge 705.
  • the web merchant 700 In general, the web merchant 700,
  • a repository 720 incorporates a transaction server 710.
  • the payment cartridge 705 and transaction server 710 are identical to the payment cartridge 705 and transaction server 710
  • the transaction server 710 and payment cartridge are both transaction server 710 and payment cartridge
  • This SSL-enabled protocol provides a secure
  • connection between a web browser and a web server and privacy for purchases
  • the payment cartridge 705 (Fig. 7a) enables a web merchant to connect and communicate transaction data with the transaction server 710.
  • the payment cartridge 705 securely transfers related
  • the payment cartridge 705 is constructed so as to connect with the web merchant server's
  • APIs application program interfaces
  • the transaction server 710 is implemented with Oracle ® 8i.
  • the use of certificate authority and digital certificates is implemented with Oracle ® 8i.
  • Figure 7b illustrates the flow for the transaction-approved process.
  • the repository database 760 is queried to process the transaction.
  • the repository database 760 is queried to process the transaction.
  • systems 700 receives the confirmation message, as well as a reference number
  • the web merchant systems 700 are to uniquely identify the electronic transaction.
  • the web merchant systems 700 are to uniquely identify the electronic transaction.
  • the repository database 760 is accessed to reduce the account balance for the user in the amount of the purchase. At this stage, the amount of available
  • Figure 7c illustrates one embodiment for a transaction reconciliation where the transaction is denied. If the query to the repository
  • a denied transaction may be due to
  • the repository system 720 places the account
  • the repository system 720 transmits an e-mail message to the user as indicated by block 795 in Fig. 7c. Also, as shown in block 790, the user receives the transaction denied message through the e-commerce cartridge
  • the pre-paid CybermoolaTM system of the present invention differs from
  • payment mechanism may be used to target a market that is currently not able to
  • the pre-payment mechanism of the present invention enables the
  • the pre-payment mechamsm also permits those adults who do not have a credit card, perhaps due to a poor credit history, to shop on-line.
  • the pre-payment mechanism may also be used to target a market
  • on-line purchaser may remain anonymous. This anonymity may result in the user receiving fewer commercial solicitations from merchants. This is particularly true if the merchants sell the customer lists to other merchants or marketeers.
  • the pre-payment mechamsm may also be used to target a market
  • the pre-payment mechanism may also be used to target a market
  • pre-payment mechamsm may be used as a budgeting tool. This budgeting strategy may also be applied to target markets that require approved spending
  • pre-payment mechamsm that employee is prevented from purchasing an amount greater than the predetermined limit.
  • the pre-payment mechamsm has further application for use in paying bills on-line.
  • the pre-payment mechanism may also be used to target
  • present invention to conduct transactions over the Internet.
  • the pre-payment mechanism of the CybermoolaTM system has
  • payment mechamsm may be used by web merchants in order to drive Internet
  • a web merchant may launch
  • the pre-payment mechamsm may be used
  • predetermined Web sites For example, a web merchant selling blue jeans may provide to a consumer a predetermined amount on a pre-payment mechanism for
  • pre-payment mechamsm may be used to elicit
  • This marketing technique may also be
  • the pre-payment mechamsm may be used as a promotional tool in a variety of ways, including: to drive on-line shopping at specific sites;
  • Figure 8 illustrates a high level block diagram of a general purpose
  • a computer system 1000 is configured to:
  • the processor unit 1005 contains a processor unit 1005, main memory 1010, and an interconnect bus 1025.
  • the processor unit 1005 may contain a single microprocessor, or may
  • the main memory 1010 stores, in part, instructions
  • the main memory 1010 stores the executable code when in operation.
  • the main memory 1010 may
  • DRAM dynamic random access memory
  • the computer system 1000 further includes a mass storage device
  • peripheral device(s) 1030 peripheral device(s) 1030, portable storage medium drive(s) 1040, input
  • control device(s) 1070 controls the display(s) 1070, a graphics subsystem 1050, and an output display 1060.
  • processor unit 1005 and the main memory 1010 may be connected via a local microprocessor bus, and the mass storage device 1020, peripheral
  • the mass storage may be connected via one or more input/output (I/O) busses.
  • I/O input/output
  • the mass storage may be connected via one or more input/output (I/O) busses.
  • disk drive is a non-volatile storage device for storing data and instructions for
  • the device 1020 stores the CybermoolaTM system software for loading to the main memory 1010.
  • the portable storage medium drive 1040 operates in conjunction
  • a portable non-volatile storage medium such as a floppy disk or a compact
  • CD-ROM disc read only memory
  • the CybermoolaTM system software is stored on such a portable medium, and is input to the computer
  • the peripheral device(s) 1030 may include any type of computer support device, such as an
  • I/O input/output
  • the peripheral device(s) 1030 may include a network
  • interface card for interfacing the computer system 1000 to a network.
  • the input control device(s) 1070 provide a portion of the user
  • the input control device(s) 1070 may include an alphanumeric keypad for inputting alphanumeric and other
  • a cursor control device such as a mouse, a trackball, stylus, or
  • cursor direction keys In order to display textual and graphical information, the
  • computer system 1000 contains the graphics subsystem 1050 and the output
  • the output display 1060 may include a cathode ray tube (CRT)
  • the graphics subsystem 1050 receives
  • the CybermoolaTM system may be implemented in either hardware or software.
  • the CybermoolaTM system is
  • CybermoolaTM system software may reside as encoded information on a computer readable medium, such as a magnetic
  • CD - ROM compact disc read only memory
  • the CybermoolaTM system may comprise a

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  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

L'invention concerne un mécanisme de prépaiement qui consiste en une carte physique ou en électronique pure, et permet les transactions de commerce électronique sur Internet. L'utilisateur associe un numéro de série exclusif obtenu du mécanisme de prépaiement, à un compte d'utilisateur conservé par un magasin de données. Un site Web de commerçants propose des produits ou des services à vendre à l'utilisateur, et propose, comme option de paiement pour l'achat de la marchandise ou du service, le mécanisme de prépaiement. L'utilisateur sélectionne le mécanisme de prépaiement en tant qu'option de paiement, et soumet des informations, dont un compte et un numéro d'identification personnel, pour l'identification du mécanisme de prépaiement. En réponse, le commerçant du site demande au magasin l'autorisation d'achat des marchandises ou des services. La transaction est effectuée entre l'utilisateur et le commerçant et le commerçant utilise le mécanisme de prépaiement s'il obtient l'autorisation du magasin de données.
PCT/US1999/028131 1999-05-17 1999-11-23 Mecanisme de prepaiement pour achats en ligne Ceased WO2000070514A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU18332/00A AU1833200A (en) 1999-05-17 1999-11-23 A pre-payment mechanism for use in on-line shopping

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US31308999A 1999-05-17 1999-05-17
US09/313,089 1999-05-17

Publications (1)

Publication Number Publication Date
WO2000070514A1 true WO2000070514A1 (fr) 2000-11-23

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PCT/US1999/028131 Ceased WO2000070514A1 (fr) 1999-05-17 1999-11-23 Mecanisme de prepaiement pour achats en ligne

Country Status (2)

Country Link
AU (1) AU1833200A (fr)
WO (1) WO2000070514A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001088770A1 (fr) * 2000-05-15 2001-11-22 David Gordon Attwells Procede ameliore d'achat et de location de produits sur internet
WO2001095203A1 (fr) * 2000-06-08 2001-12-13 Kim Hong Il Cheque/carte utilises dans le commerce electronique via l'internet, et procede permettant de traiter ce cheque/cette carte
FR2823882A1 (fr) * 2001-04-23 2002-10-25 New Access Sa Procede et systeme de validation de paiement
US20200160408A1 (en) * 2018-11-15 2020-05-21 Capital One Services, Llc Systems and methods for secure distributed crowdfunding

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5577109A (en) * 1994-06-06 1996-11-19 Call Processing, Inc. Pre-paid card system and method
JPH10261021A (ja) * 1997-03-19 1998-09-29 U Card:Kk パーソナルレジサービス方式及び有料情報の閲覧方式
EP0921487A2 (fr) * 1997-12-08 1999-06-09 Nippon Telegraph and Telephone Corporation Méthode et système de facturation sur internet

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5577109A (en) * 1994-06-06 1996-11-19 Call Processing, Inc. Pre-paid card system and method
JPH10261021A (ja) * 1997-03-19 1998-09-29 U Card:Kk パーソナルレジサービス方式及び有料情報の閲覧方式
EP0921487A2 (fr) * 1997-12-08 1999-06-09 Nippon Telegraph and Telephone Corporation Méthode et système de facturation sur internet

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
PATENT ABSTRACTS OF JAPAN vol. 1998, no. 14 31 December 1998 (1998-12-31) *

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001088770A1 (fr) * 2000-05-15 2001-11-22 David Gordon Attwells Procede ameliore d'achat et de location de produits sur internet
WO2001095203A1 (fr) * 2000-06-08 2001-12-13 Kim Hong Il Cheque/carte utilises dans le commerce electronique via l'internet, et procede permettant de traiter ce cheque/cette carte
FR2823882A1 (fr) * 2001-04-23 2002-10-25 New Access Sa Procede et systeme de validation de paiement
US20200160408A1 (en) * 2018-11-15 2020-05-21 Capital One Services, Llc Systems and methods for secure distributed crowdfunding

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Publication number Publication date
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