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WO2008032005A3 - Procédé et systèmes de paiement - Google Patents

Procédé et systèmes de paiement Download PDF

Info

Publication number
WO2008032005A3
WO2008032005A3 PCT/FR2007/051953 FR2007051953W WO2008032005A3 WO 2008032005 A3 WO2008032005 A3 WO 2008032005A3 FR 2007051953 W FR2007051953 W FR 2007051953W WO 2008032005 A3 WO2008032005 A3 WO 2008032005A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
data
financing
purchase
sources
Prior art date
Application number
PCT/FR2007/051953
Other languages
English (en)
Other versions
WO2008032005A2 (fr
Inventor
Jean-Yves Rossi
Original Assignee
Jean-Yves Rossi
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 Jean-Yves Rossi filed Critical Jean-Yves Rossi
Priority to EP07848326A priority Critical patent/EP2074569A2/fr
Priority to US12/441,453 priority patent/US20110035268A1/en
Publication of WO2008032005A2 publication Critical patent/WO2008032005A2/fr
Publication of WO2008032005A3 publication Critical patent/WO2008032005A3/fr
Priority to US15/859,254 priority patent/US20180300707A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/02—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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0215—Including financial accounts

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention est relative à un procédé de paiement par un porteur à un marchand grâce à un moyen de paiement, caractérisé en ce qu'il est procédé par imputations successives, pour chaque produit, bien ou service présenté à l'achat, une imputation s'opérant entre plusieurs sources de financement, et consistant en un débit sur l'une des sources de financement ou un transfert depuis l'une de ces sources de financement; et en ce que, à chaque imputation, sont lues des données stockées dans le moyen de paiement et/ou dans des bases de données d'un serveur de paiement, ces données étant accessibles par liaison à un système central ou sur une réplication locale, lesdites données étant utilisées par le serveur de paiement pour sélectionner puis confronter des règles d'imputation et de contrôle, définies, pour chaque source de financement, par le porteur du moyen de paiement ou par le financeur à des données fonction des caractéristiques : • du bien, du produit ou du service présenté à l'achat • des conditions de l'achat, comprenant par exemple la date, des vérifications matérielles opérées au moment de l'achat, des options choisies par l'acheteur ainsi qu'à des données issues d'une base de données relatives aux marchands et à des catégories de produits, biens ou services.
PCT/FR2007/051953 2006-09-15 2007-09-17 Procédé et systèmes de paiement WO2008032005A2 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
EP07848326A EP2074569A2 (fr) 2006-09-15 2007-09-17 Procédé et systèmes de paiement
US12/441,453 US20110035268A1 (en) 2006-09-15 2007-09-17 Payment method and system
US15/859,254 US20180300707A1 (en) 2006-09-15 2017-12-29 Payment method and systems

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US84494706P 2006-09-15 2006-09-15
US60/844,947 2006-09-15

Related Child Applications (2)

Application Number Title Priority Date Filing Date
US12/441,453 A-371-Of-International US20110035268A1 (en) 2006-09-15 2007-09-17 Payment method and system
US15/859,254 Continuation-In-Part US20180300707A1 (en) 2006-09-15 2017-12-29 Payment method and systems

Publications (2)

Publication Number Publication Date
WO2008032005A2 WO2008032005A2 (fr) 2008-03-20
WO2008032005A3 true WO2008032005A3 (fr) 2008-06-12

Family

ID=39135142

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FR2007/051953 WO2008032005A2 (fr) 2006-09-15 2007-09-17 Procédé et systèmes de paiement

Country Status (3)

Country Link
US (1) US20110035268A1 (fr)
EP (1) EP2074569A2 (fr)
WO (1) WO2008032005A2 (fr)

Families Citing this family (22)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2002336770A1 (en) 2001-09-24 2003-04-07 E2Interactive, Inc. D/B/A E2Interactive, Inc. System and method for supplying communication service
US20090182586A1 (en) * 2008-01-10 2009-07-16 Cohane Joseph P Point-of-sale, value-added payment processing system and method thereof
US10255609B2 (en) * 2008-02-21 2019-04-09 Micronotes, Inc. Interactive marketing system
EP2151794A1 (fr) * 2008-07-28 2010-02-10 Norpla - Card Systems Management GmbH Procédé d'exécution d'un paiement électronique
WO2011148874A1 (fr) * 2010-05-25 2011-12-01 日本電気株式会社 Procédé de traitement de règlements et de remises d'argent virtuel, système de traitement de règlements et de remises, et programme de traitement de règlements et de remises
JPWO2011148875A1 (ja) * 2010-05-25 2013-07-25 日本電気株式会社 複数の決済手段を使ったマルチ決済実現方法、マルチ決済実現装置及びマルチ決済実現プログラム
US8442913B2 (en) * 2010-06-29 2013-05-14 Visa International Service Association Evolving payment device
US11978031B2 (en) 2010-12-14 2024-05-07 E2Interactive, Inc. Systems and methods that create a pseudo prescription from transaction data generated during a point of sale purchase at a front of a store
US11055686B2 (en) 2012-08-08 2021-07-06 E2Interactive, Inc. S/M for providing, reloading, and redeeming stored value cards used in transit applications
US9569769B2 (en) 2012-09-17 2017-02-14 E2Interactive, Inc. Composite activation indicia substrate
US10062075B2 (en) * 2013-11-04 2018-08-28 E2Interactive, Inc. Systems and methods for using a dual function medical benefits card
US11120462B2 (en) 2013-11-04 2021-09-14 E2Interactive, Inc. Systems and methods for using indicia of membership as a partial authorization in a transaction
US9088654B2 (en) * 2013-11-05 2015-07-21 Bank Of America Corporation Communication disposition determination for unified recovery system for payments in arrears
US8971516B1 (en) * 2013-11-05 2015-03-03 Bank Of America Corporation Unified recovery system communication history tracking for payments in arrears
US20150127500A1 (en) * 2013-11-05 2015-05-07 Bank Of America Corporation Determining financial account payment hierarchy for recovery of payment in arrears
FR3019356B1 (fr) * 2014-03-25 2016-04-15 David Haddad Procede et systeme de paiement divise d'un produit ou service
US20170132588A1 (en) * 2014-07-01 2017-05-11 Francesco Ricci Electronic Payment System and Relative Method
US10621664B2 (en) 2016-05-18 2020-04-14 Fannie Mae Using automated data validation in loan origination to evaluate credit worthiness and data reliability
CA3076624A1 (fr) * 2017-10-16 2019-04-25 Modopayments, Llc Outil de configuration pour un traitement de paiement
FR3081076B1 (fr) * 2018-05-14 2023-12-08 Ingenico Group Procede de gestion d'au moins un remboursement d'une prestation de sante, dispositif et programme d'ordinateur correspondants
EP4508588A4 (fr) * 2022-04-14 2025-07-09 Visa Int Service Ass Système, procédé et produit programme d'ordinateur pour routage de message de transaction flexible
FR3145435A1 (fr) * 2023-02-01 2024-08-02 Frederic Guy détermination et filtrage de transactions monétaires multicritères, configurable par un porteur de moyen de paiement en temps réel.

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1170685A2 (fr) * 2000-06-29 2002-01-09 Hitachi, Ltd. Carte de crédit associée, ainsi système et méthode de règlement par carte de crédit
US20020095386A1 (en) * 2000-12-07 2002-07-18 Maritzen L. Michael Account control and access management of sub-accounts from master account
US20030028492A1 (en) * 2001-08-03 2003-02-06 Jay Levenson System and method for the payment and accounting of petty disbursements
EP1450320A1 (fr) * 2003-02-21 2004-08-25 Swisscom Mobile AG Module de paiement avec plusieurs comptes bancaires, système de paiement et méthode de paiement
US20050137949A1 (en) * 2003-12-17 2005-06-23 Danny Rittman Automatic, characterized and prioritized transactions to credit card accounts from one credit card account, method and computer software
US20070164098A1 (en) * 2004-12-28 2007-07-19 ATM Khalid Staging of Financial Accounts: The Ultimate Charge Account and Ultimate Credit/ATM Card

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US6084528A (en) * 1996-09-05 2000-07-04 Symbol Technologies, Inc. Intranet scanning terminal system
US6868391B1 (en) * 1997-04-15 2005-03-15 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
US6343739B1 (en) * 1999-11-02 2002-02-05 Ncr Corporation Apparatus and method for operating a checkout system having a video camera for enhancing security during operation thereof
US20010042021A1 (en) * 1999-12-06 2001-11-15 Taiichi Matsuo Electronic settling system and electronic settling method
US20060178986A1 (en) * 2000-02-17 2006-08-10 Giordano Joseph A System and method for processing financial transactions using multi-payment preferences
US6805288B2 (en) * 2000-05-15 2004-10-19 Larry Routhenstein Method for generating customer secure card numbers subject to use restrictions by an electronic card
CA2332656A1 (fr) * 2001-01-26 2002-07-26 Certapay Inc. Transfert de paiements en ligne, et systeme et methode de gestion d'identites
US7280981B2 (en) * 2002-08-27 2007-10-09 Visa U.S.A. Inc. Method and system for facilitating payment transactions using access devices

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1170685A2 (fr) * 2000-06-29 2002-01-09 Hitachi, Ltd. Carte de crédit associée, ainsi système et méthode de règlement par carte de crédit
US20020095386A1 (en) * 2000-12-07 2002-07-18 Maritzen L. Michael Account control and access management of sub-accounts from master account
US20030028492A1 (en) * 2001-08-03 2003-02-06 Jay Levenson System and method for the payment and accounting of petty disbursements
EP1450320A1 (fr) * 2003-02-21 2004-08-25 Swisscom Mobile AG Module de paiement avec plusieurs comptes bancaires, système de paiement et méthode de paiement
US20050137949A1 (en) * 2003-12-17 2005-06-23 Danny Rittman Automatic, characterized and prioritized transactions to credit card accounts from one credit card account, method and computer software
US20070164098A1 (en) * 2004-12-28 2007-07-19 ATM Khalid Staging of Financial Accounts: The Ultimate Charge Account and Ultimate Credit/ATM Card

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP2074569A2 *

Also Published As

Publication number Publication date
US20110035268A1 (en) 2011-02-10
EP2074569A2 (fr) 2009-07-01
WO2008032005A2 (fr) 2008-03-20

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