WO2003088078A3 - System and method for processing financial transactions using multi-payment preferences - Google Patents
System and method for processing financial transactions using multi-payment preferences Download PDFInfo
- Publication number
- WO2003088078A3 WO2003088078A3 PCT/US2003/010577 US0310577W WO03088078A3 WO 2003088078 A3 WO2003088078 A3 WO 2003088078A3 US 0310577 W US0310577 W US 0310577W WO 03088078 A3 WO03088078 A3 WO 03088078A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- customer
- transaction
- payment
- systems
- methods
- Prior art date
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
- G06Q20/04—Payment circuits
-
- 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
- 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
- G06Q20/38—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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Economics (AREA)
- Marketing (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU2003230820A AU2003230820A1 (en) | 2002-04-08 | 2003-04-07 | System and method for processing financial transactions using multi-payment preferences |
CA002481505A CA2481505A1 (en) | 2002-04-08 | 2003-04-07 | System and method for processing financial transactions using multi-payment preferences |
JP2003584946A JP2005522782A (en) | 2002-04-08 | 2003-04-07 | System and method for processing monetary transactions using various payment preferences |
EP03723920A EP1493099A4 (en) | 2002-04-08 | 2003-04-07 | System and method for processing financial transactions using multi-payment preferences |
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US37024402P | 2002-04-08 | 2002-04-08 | |
US60/370,244 | 2002-04-08 | ||
US10/407,367 US20060178986A1 (en) | 2000-02-17 | 2003-04-04 | System and method for processing financial transactions using multi-payment preferences |
US10/407,367 | 2003-04-04 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2003088078A2 WO2003088078A2 (en) | 2003-10-23 |
WO2003088078A3 true WO2003088078A3 (en) | 2004-03-25 |
Family
ID=29254401
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2003/010577 WO2003088078A2 (en) | 2002-04-08 | 2003-04-07 | System and method for processing financial transactions using multi-payment preferences |
Country Status (5)
Country | Link |
---|---|
EP (1) | EP1493099A4 (en) |
JP (1) | JP2005522782A (en) |
AU (1) | AU2003230820A1 (en) |
CA (1) | CA2481505A1 (en) |
WO (1) | WO2003088078A2 (en) |
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8892126B2 (en) | 2007-04-08 | 2014-11-18 | Enhanced Geographic Llc | Systems and methods to determine the name of a physical business location visited by a user of a wireless device based on location information and the time of day |
US9275325B2 (en) | 2014-03-07 | 2016-03-01 | Starbucks Corporation | Dual-function card with key card functionality and stored value card functionality |
Families Citing this family (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8156042B2 (en) | 2003-08-29 | 2012-04-10 | Starbucks Corporation | Method and apparatus for automatically reloading a stored value card |
WO2005048145A1 (en) | 2003-10-13 | 2005-05-26 | Starbucks Corporation D/B/A Starbucks Coffee Company | Dual card |
US8626536B2 (en) | 2004-08-31 | 2014-01-07 | Electronic Commerce for Healthcare Organizations, Inc. | Intelligent router for medical payments |
GB2466676A (en) | 2009-01-06 | 2010-07-07 | Visa Europe Ltd | A method of processing payment authorisation requests |
GB2466810A (en) | 2009-01-08 | 2010-07-14 | Visa Europe Ltd | Processing payment authorisation requests |
US8660948B2 (en) * | 2010-07-02 | 2014-02-25 | Qualcomm Incorporated | System and method for managing transactions with a portable computing device |
CN113643099A (en) * | 2021-08-30 | 2021-11-12 | 北京沃东天骏信息技术有限公司 | Commodity data processing method, commodity data processing device, commodity data processing apparatus, storage medium, and program product |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6061665A (en) * | 1997-06-06 | 2000-05-09 | Verifone, Inc. | System, method and article of manufacture for dynamic negotiation of a network payment framework |
US6119105A (en) * | 1996-06-17 | 2000-09-12 | Verifone, Inc. | System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture |
Family Cites Families (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FI100137B (en) * | 1994-10-28 | 1997-09-30 | Vazvan Simin | Real-time wireless telecom payment system |
ES2180142T3 (en) * | 1997-06-27 | 2003-02-01 | Swisscom Mobile Ag | TRANSACTION PROCEDURE WITH A PORTABLE IDENTIFICATION ELEMENT. |
US7571139B1 (en) * | 1999-02-19 | 2009-08-04 | Giordano Joseph A | System and method for processing financial transactions |
WO2001041419A1 (en) * | 1999-11-30 | 2001-06-07 | Citibank, N.A. | System and method for performing an electronic transaction using a transaction proxy with an electronic wallet |
DE59905894D1 (en) * | 1999-12-23 | 2003-07-10 | Swisscom Mobile Ag | PAYMENT TRANSACTION PROCESS AND PAYMENT TRANSACTION SYSTEM |
JP4403333B2 (en) * | 2000-03-21 | 2010-01-27 | ソニー株式会社 | Information processing apparatus and method, information processing system, and recording medium |
NO311658B1 (en) * | 2000-03-27 | 2001-12-27 | Scan & Pay As | Procedure for conducting trade and payment / credit mediation |
JP2002042028A (en) * | 2000-07-26 | 2002-02-08 | Global Company:Kk | Fraudulent use preventive system for card and the like |
WO2002033669A1 (en) * | 2000-10-18 | 2002-04-25 | Ultra Proizvodnja Elektronskih Naprav D.O.O. | System for payment data exchange and payment terminal device used therein |
-
2003
- 2003-04-07 WO PCT/US2003/010577 patent/WO2003088078A2/en active Application Filing
- 2003-04-07 EP EP03723920A patent/EP1493099A4/en not_active Withdrawn
- 2003-04-07 CA CA002481505A patent/CA2481505A1/en not_active Abandoned
- 2003-04-07 AU AU2003230820A patent/AU2003230820A1/en not_active Abandoned
- 2003-04-07 JP JP2003584946A patent/JP2005522782A/en active Pending
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6119105A (en) * | 1996-06-17 | 2000-09-12 | Verifone, Inc. | System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture |
US6061665A (en) * | 1997-06-06 | 2000-05-09 | Verifone, Inc. | System, method and article of manufacture for dynamic negotiation of a network payment framework |
Cited By (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8892126B2 (en) | 2007-04-08 | 2014-11-18 | Enhanced Geographic Llc | Systems and methods to determine the name of a physical business location visited by a user of a wireless device based on location information and the time of day |
US8996035B2 (en) | 2007-04-08 | 2015-03-31 | Enhanced Geographic Llc | Mobile advertisement with social component for geo-social networking system |
US9008691B2 (en) | 2007-04-08 | 2015-04-14 | Enhanced Geographic Llc | Systems and methods to provide an advertisement relating to a recommended business to a user of a wireless device based on a location history of visited physical named locations associated with the user |
US9277366B2 (en) | 2007-04-08 | 2016-03-01 | Enhanced Geographic Llc | Systems and methods to determine a position within a physical location visited by a user of a wireless device using Bluetooth® transmitters configured to transmit identification numbers and transmitter identification data |
US9521524B2 (en) | 2007-04-08 | 2016-12-13 | Enhanced Geographic Llc | Specific methods that improve the functionality of a location based service system by determining and verifying the branded name of an establishment visited by a user of a wireless device based on approximate geographic location coordinate data received by the system from the wireless device |
US9275325B2 (en) | 2014-03-07 | 2016-03-01 | Starbucks Corporation | Dual-function card with key card functionality and stored value card functionality |
Also Published As
Publication number | Publication date |
---|---|
EP1493099A2 (en) | 2005-01-05 |
JP2005522782A (en) | 2005-07-28 |
CA2481505A1 (en) | 2003-10-23 |
AU2003230820A1 (en) | 2003-10-27 |
EP1493099A4 (en) | 2010-06-02 |
WO2003088078A2 (en) | 2003-10-23 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
EP1264259B8 (en) | A network-based system | |
WO2002065246A3 (en) | Customer loyalty programs and systems and methods for such programs | |
WO2005124635A3 (en) | Financial institution-based transaction processing system and approach | |
EP1128305A3 (en) | A client-centric internet shopping system, method and program | |
WO2004027555A3 (en) | Processing of transactions with expanded card acceptance | |
WO2006071881A3 (en) | Multi-party transaction processing system and approach | |
WO2002010881A3 (en) | Financial transaction system with retirement saving benefit | |
WO2005033853A3 (en) | Systems and methods for staging transactions, payments and collections | |
WO2002075481A3 (en) | Method and system for accumulating coupon values in an account for future redemption. | |
WO2002048828A3 (en) | System and method for incentivizing online sales | |
WO2004081742A3 (en) | Method and system for hosting centralized online point-of-sale activities for a plurality of distributed customers and vendors | |
WO2004114168A8 (en) | A system and method for facilitating on-line payment | |
TW367451B (en) | Method of facilitating trade in goods and/or services | |
WO2004090690A3 (en) | Fraud control method and system for network transactions | |
WO2008008278B1 (en) | A promotions system and method | |
WO2008027998A4 (en) | Method and system for processing internet purchase transactions | |
WO2004012036A3 (en) | Smart payment instrument selection | |
WO2004031903A3 (en) | Merchant cash payment systems and methods | |
WO2005026903A3 (en) | System and method for identifying a retail customer’s purchasing habits | |
WO2001063452A3 (en) | Systems and methods for providing anonymous financial transactions | |
WO2007121474A3 (en) | System and method for secure online transaction | |
WO2004051394A3 (en) | System and method for financing commercial transactions | |
WO2004031892A3 (en) | Processing partial payments using debit cards | |
WO2006055022A3 (en) | Dynamic pricing system with graphical user interface | |
WO2005084187A3 (en) | Verification and authorization of a consumer transaction |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AK | Designated states |
Kind code of ref document: A2 Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ OM PH PL PT RO RU SC SD SE SG SK SL TJ TM TN TR TT TZ UA UG UZ VC VN YU ZA ZM ZW |
|
AL | Designated countries for regional patents |
Kind code of ref document: A2 Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IT LU MC NL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG |
|
DFPE | Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101) | ||
121 | Ep: the epo has been informed by wipo that ep was designated in this application | ||
WWE | Wipo information: entry into national phase |
Ref document number: 2734/DELNP/2004 Country of ref document: IN |
|
WWE | Wipo information: entry into national phase |
Ref document number: 2481505 Country of ref document: CA |
|
WWE | Wipo information: entry into national phase |
Ref document number: 2003584946 Country of ref document: JP |
|
WWE | Wipo information: entry into national phase |
Ref document number: 2003723920 Country of ref document: EP |
|
WWP | Wipo information: published in national office |
Ref document number: 2003723920 Country of ref document: EP |