WO2001073709A3 - Method and apparatus for processing one or more value bearing instruments - Google Patents

Method and apparatus for processing one or more value bearing instruments Download PDF

Info

Publication number
WO2001073709A3
WO2001073709A3 PCT/US2001/010648 US0110648W WO0173709A3 WO 2001073709 A3 WO2001073709 A3 WO 2001073709A3 US 0110648 W US0110648 W US 0110648W WO 0173709 A3 WO0173709 A3 WO 0173709A3
Authority
WO
WIPO (PCT)
Prior art keywords
consumer
supplier
verification
transaction service
secure transaction
Prior art date
Application number
PCT/US2001/010648
Other languages
French (fr)
Other versions
WO2001073709A2 (en
Inventor
Steve Atsushi Okamoto
Steven Miller Schattmaier
Kaenel Tim Von
Mike Todd Zeile
Amour Frederick C St
Original Assignee
Cma Business Credit Services
Steve Atsushi Okamoto
Steven Miller Schattmaier
Kaenel Tim Von
Mike Todd Zeile
Amour Frederick C St
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 Cma Business Credit Services, Steve Atsushi Okamoto, Steven Miller Schattmaier, Kaenel Tim Von, Mike Todd Zeile, Amour Frederick C St filed Critical Cma Business Credit Services
Priority to EP01926555A priority Critical patent/EP1360663A2/en
Priority to AU2001253085A priority patent/AU2001253085A1/en
Priority to US10/240,253 priority patent/US20030208406A1/en
Publication of WO2001073709A2 publication Critical patent/WO2001073709A2/en
Publication of WO2001073709A3 publication Critical patent/WO2001073709A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/045—Payment circuits using payment protocols involving tickets
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/42—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for ticket printing or like apparatus, e.g. apparatus for dispensing of printed paper tickets or payment cards

Abstract

A computer-implemented system provides secure distribution of value-bearing instruments, such as coupons, tickets, gift certificates, money orders and traveler's checks. The distribution system involves three parties which are the consumer of the instrument, the supplier of the instrument and a security party which is referred to as a secure transaction service. The consumer registers with the secure transaction service for identity verification either before or after a transaction is initiated with the supplier of products or services. Verification of the consumer's identity can be established at any required level. In one aspect of the system, the supplier provides the consumer with a confirmation token which the consumer must then provide to the secure transaction service together with identification information of the consumer, so that only the valid consumer can complete the transaction. By use of the confirmation token, the secure transaction service can obtain information, through either data pulling or pushing, from the product or service supplier. In certain cases, the secure transaction service generates the required product in an electronic form and securely transmits it to the validated consumer. Digital signatures can be used throughout the process to assure the integrity of the data and the identity of the sender. Other aspects of the system include the maintenance of funds for payment, multiple methods for verification of products which are issued and then validated at a verification site, as well as methods for reissuing, exchanging and forwarding value bearing instruments for original and third party users.
PCT/US2001/010648 2000-03-29 2001-03-28 Method and apparatus for processing one or more value bearing instruments WO2001073709A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
EP01926555A EP1360663A2 (en) 2000-03-29 2001-03-28 Method and apparatus for processing one or more value bearing instruments
AU2001253085A AU2001253085A1 (en) 2000-03-29 2001-03-28 Method and apparatus for processing one or more value bearing instruments
US10/240,253 US20030208406A1 (en) 2001-03-28 2001-03-28 Method and apparatus for processing one or more value bearing instruments

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US19313900P 2000-03-29 2000-03-29
US60/193,139 2000-03-29

Publications (2)

Publication Number Publication Date
WO2001073709A2 WO2001073709A2 (en) 2001-10-04
WO2001073709A3 true WO2001073709A3 (en) 2003-08-28

Family

ID=22712408

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/010648 WO2001073709A2 (en) 2000-03-29 2001-03-28 Method and apparatus for processing one or more value bearing instruments

Country Status (3)

Country Link
EP (1) EP1360663A2 (en)
AU (1) AU2001253085A1 (en)
WO (1) WO2001073709A2 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2857533A1 (en) * 2003-07-07 2005-01-14 France Telecom METHOD AND SYSTEM FOR ELECTRONIC SIGNATURE OF DOCUMENT
FI20090449L (en) * 2009-11-27 2011-05-28 Eazybreak Oy System and procedure for granting access to a system
US8452267B2 (en) 2009-11-27 2013-05-28 Eazybreak Oy System and method for granting access to a system
CA2790316C (en) * 2012-09-19 2017-12-12 Trapeze Software Inc. Systems and methods for secure electronic ticketing
US20190220886A1 (en) * 2018-01-12 2019-07-18 Minh-Michael Van Le Negotiable digital durable coupon token

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996000485A2 (en) * 1994-06-24 1996-01-04 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus
EP0813325A2 (en) * 1996-06-12 1997-12-17 AT&T Corp. A mechanism for enabling secure electronic transactions on the open internet
US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
WO1998040809A2 (en) * 1997-03-13 1998-09-17 Cha! Technologies, Inc. Method and system for secure online transaction processing
WO1999023617A2 (en) * 1997-11-04 1999-05-14 Gilles Kremer Method for transmitting data and implementing server
US6026166A (en) * 1997-10-20 2000-02-15 Cryptoworx Corporation Digitally certifying a user identity and a computer system in combination

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996000485A2 (en) * 1994-06-24 1996-01-04 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus
US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
EP0813325A2 (en) * 1996-06-12 1997-12-17 AT&T Corp. A mechanism for enabling secure electronic transactions on the open internet
WO1998040809A2 (en) * 1997-03-13 1998-09-17 Cha! Technologies, Inc. Method and system for secure online transaction processing
US6026166A (en) * 1997-10-20 2000-02-15 Cryptoworx Corporation Digitally certifying a user identity and a computer system in combination
WO1999023617A2 (en) * 1997-11-04 1999-05-14 Gilles Kremer Method for transmitting data and implementing server

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
PAYS P ET AL: "An intermediation and payment system technology", COMPUTER NETWORKS AND ISDN SYSTEMS, NORTH HOLLAND PUBLISHING. AMSTERDAM, NL, vol. 28, no. 11, 1 May 1996 (1996-05-01), pages 1197 - 1206, XP004018220, ISSN: 0169-7552 *

Also Published As

Publication number Publication date
EP1360663A2 (en) 2003-11-12
AU2001253085A1 (en) 2001-10-08
WO2001073709A2 (en) 2001-10-04

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