CA2332715A1 - Electronic purchasing method and funds transfer system - Google Patents

Electronic purchasing method and funds transfer system Download PDF

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Publication number
CA2332715A1
CA2332715A1 CA002332715A CA2332715A CA2332715A1 CA 2332715 A1 CA2332715 A1 CA 2332715A1 CA 002332715 A CA002332715 A CA 002332715A CA 2332715 A CA2332715 A CA 2332715A CA 2332715 A1 CA2332715 A1 CA 2332715A1
Authority
CA
Canada
Prior art keywords
vendor
account
information
purchaser
funds transfer
Prior art date
Legal status (The legal status 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 status listed.)
Granted
Application number
CA002332715A
Other languages
French (fr)
Other versions
CA2332715C (en
Inventor
Terry Allen-Rouman
Jack Michael Arrington
Keval Desai
Robert Edwin Dravenstott
Wendy D. Larson
Scott J. Levokove
John Joseph Mascavage Iii
Peter Eric Philipp
Margaret Morgan Weichert
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Western Union Co
Original Assignee
Achex Inc
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 Achex Inc filed Critical Achex Inc
Publication of CA2332715A1 publication Critical patent/CA2332715A1/en
Application granted granted Critical
Publication of CA2332715C publication Critical patent/CA2332715C/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

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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
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/08—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; 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • 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
    • G06Q30/0601—Electronic shopping [e-shopping]
    • 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
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
    • G06Q30/0635—Processing of requisition or of purchase orders
    • G06Q30/0637—Approvals
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

An electronic transaction method, funds transfer apparatus and method for facilitating a funds transfer. The methods comprise sending information from a purchaser or payor to a funds transfer system separate from a vendor system or payee, validating and confirming personal financial information at the funds transfer system, and transferring funds from a purchaser or payor account to the vendor or a payee account without exposing either party's financial and account information to the other. Additionally, a funds transfer apparatus is disclosed comprising connections to a payor and payee system and mechanisms for receiving and validating party and transaction information and a mechanism for transferring funds from one party to the other.

Claims (22)

1. An electronic transaction method comprising the steps of:
accessing a vendor system;
transmitting a purchase selection to said vendor system;
and selecting a payment option comprising:
connecting to a funds transfer system, said funds transfer system separate from said vendor system;
sending purchase data from said vendor system to said funds transfer system;
sending a validation request from said funds transfer system to a user;
sending validation information from said user to said funds transfer system;
checking said validation information against a database at said funds transfer system, said database including user account information; and wherein if said user is validated, transferring funds from said user's account to said vendor through said funds transfer system.
2. The method of claim 1 wherein if said user is not validated, returning a message to said user denying said purchase.
3. The method of claim 1 wherein if said user is not validated further comprising a step for adding said user to said database.
4. The method of claim 1 wherein said user's account is a bank account.
5. The method of claim 1 wherein said user's account is a credit card account.
6. A method for making an electronic purchase comprising:
connecting to a vendor system having a vendor;
selecting at least one item to be purchased from said vendor system;
a step for authorizing said purchase, said step comprising:
sending purchase information from said vendor system to a funds transfer system, said purchase information including a purchase price, sending a request for payment information from said funds transfer system to a user;
sending payment information from said user to said funds transfer system;

a step for validating payment information at said funds transfer system, wherein if said payment information is validated a step for crediting a vendor account an amount equal to said purchase price; and a step for debiting a user's account an amount equal to said purchase price.
7. The method of claim 6 wherein said vendor account and/or said user's account are bank accounts.
8. The method of claim 6 wherein said vendor account and/or said user's account are credit card account.
9. A funds transfer system comprising:
at least one connection to a vendor system;
at least one connection to a purchaser system;
a means for validating a transaction by a purchaser using said purchaser system from a vendor using said vendor system, wherein said purchase validation means comprises:
a machine readable medium having a database including purchaser and vendor information thereon;
a means for receiving purchase information from said vendor system;

a means for receiving payment information from said purchaser system; and a means for comparing said payment information and said purchase information against said database; and a means for paying said vendor for said purchase.
10. The system of claim 9 wherein said means for paying said vendor comprises a connection to an automated clearing house, wherein said automated clearing house transfers funds from a purchaser account to a funds transfer account and from a funds transfer account to a vendor account.
11. The system of claim 9 wherein said purchase information is selected from the group consisting of vendor identification, name of goods and purchase price.
12. The system of claim 9 wherein said payment information is selected from the group consisting of financial information of the purchaser, purchaser identification, password, name and address.
13. The system of claim 9 wherein said means for receiving purchase information and said means for receiving payment information are a file transfer protocol connection over a network.
14. A method for facilitating an electronic purchase comprising:
receiving purchase information from a vendor, said purchase information including a purchase price;
receiving purchaser information from a purchaser, said purchaser information including an identification of a purchaser account;
validating said purchaser information;
wherein if said purchaser information is validated, sending a digital IOU to said vendor; and a step for redeeming said digital IOU.
15. The method of claim 14 wherein said step for redeeming said digital IOU further comprises the steps of:
receiving said digital IOU from said vendor;
confirming said digital IOU;
receiving funds from said purchaser account equal to said digital IOU into a funds transfer account; and transferring said funds to said vendor from said funds transfer account.
16. The method of claim 14 wherein if said purchaser information is not validated, sending a message to said purchaser that said electronic purchase is denied.
17. The method of claim 14 wherein if said purchaser information is not validated, further comprising a step for adding said purchaser to a purchaser database.
18. The method of claim 15 wherein said step for confirming said digital IOU comprises comparing a digital signature on said digital IOU to a signature log at a funds transfer system.
19. A method for transferring funds from a payor to a payee comprising:
transmitting payment information to a funds transfer system, said payment information including payee identification, payor identification and payment amount;
a step for validating said payment information at said funds transfer system;
wherein if said payment information is not validated, notifying said payor that said payment information is not valid; and wherein if said payment information is validated, a step for transferring funds from a payor account to a payee account through said funds transfer system.
20. The method of claim 19 further comprising notifying said payee of the funds transfer.
21. The method of claim 19 wherein said step for validating said payment information comprises checking said payor identification and said payee identification against a user database at said funds transfer system.
22. The method of claim 21 wherein said database includes account information for said payor and said payee.
CA2332715A 2000-02-29 2001-01-29 Electronic purchasing method and funds transfer system Expired - Fee Related CA2332715C (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/516,209 2000-02-29
US09/516,209 US7366695B1 (en) 2000-02-29 2000-02-29 Electronic purchase method and funds transfer system

Publications (2)

Publication Number Publication Date
CA2332715A1 true CA2332715A1 (en) 2001-08-29
CA2332715C CA2332715C (en) 2012-03-27

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Family Applications (1)

Application Number Title Priority Date Filing Date
CA2332715A Expired - Fee Related CA2332715C (en) 2000-02-29 2001-01-29 Electronic purchasing method and funds transfer system

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US (5) US7366695B1 (en)
CA (1) CA2332715C (en)

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US20080162350A1 (en) 2008-07-03
US7366695B1 (en) 2008-04-29
US8041606B2 (en) 2011-10-18
US20120179610A1 (en) 2012-07-12
US10489753B2 (en) 2019-11-26
CA2332715C (en) 2012-03-27
US8538870B2 (en) 2013-09-17
US8412627B2 (en) 2013-04-02
US20020087467A1 (en) 2002-07-04

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