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WO2002045278A3 - Electronic funds transfer method and system - Google Patents

Electronic funds transfer method and system Download PDF

Info

Publication number
WO2002045278A3
WO2002045278A3 PCT/US2001/044683 US0144683W WO0245278A3 WO 2002045278 A3 WO2002045278 A3 WO 2002045278A3 US 0144683 W US0144683 W US 0144683W WO 0245278 A3 WO0245278 A3 WO 0245278A3
Authority
WO
WIPO (PCT)
Prior art keywords
funds
transfer
payment device
electronic payment
electronic
Prior art date
Application number
PCT/US2001/044683
Other languages
French (fr)
Other versions
WO2002045278A2 (en
Inventor
Andree Michelle Petigny
Original Assignee
Andree Michelle Petigny
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 Andree Michelle Petigny filed Critical Andree Michelle Petigny
Priority to EP01995968A priority Critical patent/EP1337953A4/en
Priority to AU2700902A priority patent/AU2700902A/en
Priority to AU2002227009A priority patent/AU2002227009B2/en
Priority to US10/415,920 priority patent/US20040024700A1/en
Priority to CA002429999A priority patent/CA2429999A1/en
Publication of WO2002045278A2 publication Critical patent/WO2002045278A2/en
Publication of WO2002045278A3 publication Critical patent/WO2002045278A3/en

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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

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)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

A method and system for effecting the transfer of electronic funds includes a computer that is in electronic communication with an electronic payment device reader (12), with a funds source account (18) and with a funds collection account (20). A funds transfer request (3) is received from the electronic payment device reader (12), and a server, initiates the transfer of funds from the funds source account (18) to the funds collection account (20) in response to an action at the electronic payment device reader (12). An enhanced point-of-sale device is one of many types of electronic payment device readers that may be used to transfer funds between accounts in accordance with embodiments of the invention.
PCT/US2001/044683 2000-11-29 2001-11-29 Electronic funds transfer method and system WO2002045278A2 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
EP01995968A EP1337953A4 (en) 2000-11-29 2001-11-29 Electronic funds transfer method and system
AU2700902A AU2700902A (en) 2000-11-29 2001-11-29 Electronic funds transfer method and system
AU2002227009A AU2002227009B2 (en) 2000-11-29 2001-11-29 Electronic funds transfer method and system
US10/415,920 US20040024700A1 (en) 2001-11-29 2001-11-29 Electronic funds transfer method and system
CA002429999A CA2429999A1 (en) 2000-11-29 2001-11-29 Electronic funds transfer method and system

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US25366600P 2000-11-29 2000-11-29
US60/253,666 2000-11-29
US29291101P 2001-05-24 2001-05-24
US60/292,911 2001-05-24

Publications (2)

Publication Number Publication Date
WO2002045278A2 WO2002045278A2 (en) 2002-06-06
WO2002045278A3 true WO2002045278A3 (en) 2003-01-09

Family

ID=26943462

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/044683 WO2002045278A2 (en) 2000-11-29 2001-11-29 Electronic funds transfer method and system

Country Status (4)

Country Link
EP (1) EP1337953A4 (en)
AU (2) AU2700902A (en)
CA (1) CA2429999A1 (en)
WO (1) WO2002045278A2 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
IES20020712A2 (en) * 2002-09-04 2004-03-10 Mainline Corporate Holdings A method and system for transferring funds
US7856399B2 (en) 2003-02-05 2010-12-21 Propay Usa. Inc. Linking a merchant account with a financial card
US8396792B1 (en) 2003-09-10 2013-03-12 Propay Usa. Inc. Dynamically specifying a merchant identifier in an electronic financial transaction

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH03204078A (en) * 1989-12-29 1991-09-05 Moneyfax Inc Electronic fund transmission system for performing financial dealings
US20020052841A1 (en) * 2000-10-27 2002-05-02 Guthrie Paul D. Electronic payment system
US20020055907A1 (en) * 2000-11-08 2002-05-09 Orazio Pater Electronic payment system and method
US20020099656A1 (en) * 2000-11-14 2002-07-25 Poh Wong Kenneth Tien Electronic funds transfer system for processing multiple currency transactions

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996009592A1 (en) * 1994-09-25 1996-03-28 Brun, Heidi, M. A vending machine, a vending system and methods of operating same

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH03204078A (en) * 1989-12-29 1991-09-05 Moneyfax Inc Electronic fund transmission system for performing financial dealings
US20020052841A1 (en) * 2000-10-27 2002-05-02 Guthrie Paul D. Electronic payment system
US20020055907A1 (en) * 2000-11-08 2002-05-09 Orazio Pater Electronic payment system and method
US20020099656A1 (en) * 2000-11-14 2002-07-25 Poh Wong Kenneth Tien Electronic funds transfer system for processing multiple currency transactions

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP1337953A4 *

Also Published As

Publication number Publication date
EP1337953A2 (en) 2003-08-27
EP1337953A4 (en) 2009-03-25
AU2002227009B2 (en) 2006-11-09
CA2429999A1 (en) 2002-06-06
WO2002045278A2 (en) 2002-06-06
AU2700902A (en) 2002-06-11

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