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WO2003046697A3 - E-commerce payment systems - Google Patents

E-commerce payment systems Download PDF

Info

Publication number
WO2003046697A3
WO2003046697A3 PCT/ZA2002/000180 ZA0200180W WO03046697A3 WO 2003046697 A3 WO2003046697 A3 WO 2003046697A3 ZA 0200180 W ZA0200180 W ZA 0200180W WO 03046697 A3 WO03046697 A3 WO 03046697A3
Authority
WO
WIPO (PCT)
Prior art keywords
customer
merchant
payment
bank
causing
Prior art date
Application number
PCT/ZA2002/000180
Other languages
French (fr)
Other versions
WO2003046697A2 (en
Inventor
Valentin Kisimov
Desmond Seeley
Original Assignee
Valentin Kisimov
Desmond Seeley
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 Valentin Kisimov, Desmond Seeley filed Critical Valentin Kisimov
Priority to AU2002365598A priority Critical patent/AU2002365598A1/en
Publication of WO2003046697A2 publication Critical patent/WO2003046697A2/en
Publication of WO2003046697A3 publication Critical patent/WO2003046697A3/en

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
    • G07F7/08—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
    • 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
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • G06Q20/30—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
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Equipment and a method of managing e-commerce transactions by an e-merchant (12) in which a customer (10) has a smart device (10.1) associated with a bank (14). The method includes in a suitable order the steps of: a) in response to a customer order (42), confirming the reputability of the e-merchant (12) to the customer (10) by generating a digital voucher (44); b) causing the customer's smart device (10.1) to verify the validity of the digital voucher and, if valid, to debit the cost of the purchases from the customer's e-purse (10.2); c) causing the customer's smart device (10.1) to generate and send an authorisation for payment message (50) to the e-merchant (12) from the customer (10); d) requesting payment by the customer's bank (14) to the e-merchant (12) in response to the received authorisation for payment (52); and e) causing payment (54) of the authorised amount to the e-merchant (12) by the customer's bank (14).
PCT/ZA2002/000180 2001-11-30 2002-11-18 E-commerce payment systems WO2003046697A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002365598A AU2002365598A1 (en) 2001-11-30 2002-11-18 E-commerce payment systems

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA01/9880 2001-11-30
ZA200109880 2001-11-30

Publications (2)

Publication Number Publication Date
WO2003046697A2 WO2003046697A2 (en) 2003-06-05
WO2003046697A3 true WO2003046697A3 (en) 2006-06-22

Family

ID=25589389

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ZA2002/000180 WO2003046697A2 (en) 2001-11-30 2002-11-18 E-commerce payment systems

Country Status (3)

Country Link
AU (1) AU2002365598A1 (en)
WO (1) WO2003046697A2 (en)
ZA (1) ZA200209009B (en)

Families Citing this family (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040098315A1 (en) 2002-11-19 2004-05-20 Haynes Leonard Steven Apparatus and method for facilitating the selection of products by buyers and the purchase of the selected products from a supplier
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
CN106803175B (en) 2011-02-16 2021-07-30 维萨国际服务协会 Snap mobile payment device, method and system
CN103635920A (en) 2011-02-22 2014-03-12 维萨国际服务协会 Universal electronic payment apparatuses, methods and systems
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
WO2013006725A2 (en) 2011-07-05 2013-01-10 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US11354723B2 (en) 2011-09-23 2022-06-07 Visa International Service Association Smart shopping cart with E-wallet store injection search
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
CN115797090A (en) * 2022-11-30 2023-03-14 厦门荆艺科技有限公司 Method and system for generating electronic certificate

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997049054A2 (en) * 1996-06-17 1997-12-24 Verifone, Inc. A system, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture
WO1998014921A1 (en) * 1996-10-04 1998-04-09 Certco, Llc Payment and transactions in electronic commerce system
US6076078A (en) * 1996-02-14 2000-06-13 Carnegie Mellon University Anonymous certified delivery
EP1017030A2 (en) * 1998-12-29 2000-07-05 International Business Machines Corporation Four-party credit/debit payment protocol
US20010039535A1 (en) * 2000-02-09 2001-11-08 Tsiounis Yiannis S. Methods and systems for making secure electronic payments

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6076078A (en) * 1996-02-14 2000-06-13 Carnegie Mellon University Anonymous certified delivery
WO1997049054A2 (en) * 1996-06-17 1997-12-24 Verifone, Inc. A system, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture
WO1998014921A1 (en) * 1996-10-04 1998-04-09 Certco, Llc Payment and transactions in electronic commerce system
EP1017030A2 (en) * 1998-12-29 2000-07-05 International Business Machines Corporation Four-party credit/debit payment protocol
US20010039535A1 (en) * 2000-02-09 2001-11-08 Tsiounis Yiannis S. Methods and systems for making secure electronic payments

Also Published As

Publication number Publication date
AU2002365598A1 (en) 2003-06-10
AU2002365598A8 (en) 2003-06-10
WO2003046697A2 (en) 2003-06-05
ZA200209009B (en) 2003-06-10

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