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WO2001073708A3 - Method and apparatus for admistering one or more value bearing instruments - Google Patents

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

Info

Publication number
WO2001073708A3
WO2001073708A3 PCT/US2001/010643 US0110643W WO0173708A3 WO 2001073708 A3 WO2001073708 A3 WO 2001073708A3 US 0110643 W US0110643 W US 0110643W WO 0173708 A3 WO0173708 A3 WO 0173708A3
Authority
WO
WIPO (PCT)
Prior art keywords
consumer
supplier
transaction service
secure transaction
identity
Prior art date
Application number
PCT/US2001/010643
Other languages
French (fr)
Other versions
WO2001073708A2 (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 US10/240,131 priority Critical patent/US20040128257A1/en
Priority to AU2001253083A priority patent/AU2001253083A1/en
Priority to EP01926553A priority patent/EP1360662A2/en
Publication of WO2001073708A2 publication Critical patent/WO2001073708A2/en
Publication of WO2001073708A3 publication Critical patent/WO2001073708A3/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
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

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 wiht 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. The system also includes apparatus and methods for the maintenance of funds for payment.
PCT/US2001/010643 2000-03-29 2001-03-28 Method and apparatus for admistering one or more value bearing instruments WO2001073708A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
US10/240,131 US20040128257A1 (en) 2001-03-28 2001-03-28 Method and apparatus for administering one or more value bearing instruments
AU2001253083A AU2001253083A1 (en) 2000-03-29 2001-03-28 Method and apparatus for admistering one or more value bearing instruments
EP01926553A EP1360662A2 (en) 2000-03-29 2001-03-28 Method and apparatus for administering one or more value bearing instruments

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US19317200P 2000-03-29 2000-03-29
US60/193,172 2000-03-29

Publications (2)

Publication Number Publication Date
WO2001073708A2 WO2001073708A2 (en) 2001-10-04
WO2001073708A3 true WO2001073708A3 (en) 2003-08-28

Family

ID=22712510

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/010643 WO2001073708A2 (en) 2000-03-29 2001-03-28 Method and apparatus for admistering one or more value bearing instruments

Country Status (3)

Country Link
EP (1) EP1360662A2 (en)
AU (1) AU2001253083A1 (en)
WO (1) WO2001073708A2 (en)

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
WO1998054943A2 (en) * 1997-05-14 1998-12-10 Ho Keung Tse Universal electronic transaction system and method therefor
US5903878A (en) * 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
EP0926611A2 (en) * 1997-12-23 1999-06-30 AT&T Corp. Method for validation of electronic transactions
US6026166A (en) * 1997-10-20 2000-02-15 Cryptoworx Corporation Digitally certifying a user identity and a computer system in combination

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
WO1998054943A2 (en) * 1997-05-14 1998-12-10 Ho Keung Tse Universal electronic transaction system and method therefor
US5903878A (en) * 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
US6026166A (en) * 1997-10-20 2000-02-15 Cryptoworx Corporation Digitally certifying a user identity and a computer system in combination
EP0926611A2 (en) * 1997-12-23 1999-06-30 AT&T Corp. Method for validation of electronic transactions

Also Published As

Publication number Publication date
AU2001253083A1 (en) 2001-10-08
WO2001073708A2 (en) 2001-10-04
EP1360662A2 (en) 2003-11-12

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