EP1493099A4 - System and method for processing financial transactions using multi-payment preferences - Google Patents

System and method for processing financial transactions using multi-payment preferences

Info

Publication number
EP1493099A4
EP1493099A4 EP03723920A EP03723920A EP1493099A4 EP 1493099 A4 EP1493099 A4 EP 1493099A4 EP 03723920 A EP03723920 A EP 03723920A EP 03723920 A EP03723920 A EP 03723920A EP 1493099 A4 EP1493099 A4 EP 1493099A4
Authority
EP
European Patent Office
Prior art keywords
financial transactions
processing financial
payment preferences
preferences
payment
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.)
Withdrawn
Application number
EP03723920A
Other languages
German (de)
French (fr)
Other versions
EP1493099A2 (en
Inventor
Joseph A Giordano
Jack B Murray Jr
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.)
ExxonMobil Technology and Engineering Co
Original Assignee
ExxonMobil Research and Engineering Co
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
Priority claimed from US10/407,367 external-priority patent/US20060178986A1/en
Application filed by ExxonMobil Research and Engineering Co filed Critical ExxonMobil Research and Engineering Co
Publication of EP1493099A2 publication Critical patent/EP1493099A2/en
Publication of EP1493099A4 publication Critical patent/EP1493099A4/en
Withdrawn legal-status Critical Current

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
EP03723920A 2002-04-08 2003-04-07 System and method for processing financial transactions using multi-payment preferences Withdrawn EP1493099A4 (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US37024402P 2002-04-08 2002-04-08
US370244P 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
US407367 2003-04-04
PCT/US2003/010577 WO2003088078A2 (en) 2002-04-08 2003-04-07 System and method for processing financial transactions using multi-payment preferences

Publications (2)

Publication Number Publication Date
EP1493099A2 EP1493099A2 (en) 2005-01-05
EP1493099A4 true EP1493099A4 (en) 2010-06-02

Family

ID=29254401

Family Applications (1)

Application Number Title Priority Date Filing Date
EP03723920A Withdrawn EP1493099A4 (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)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
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
US8229458B2 (en) 2007-04-08 2012-07-24 Enhanced Geographic Llc Systems and methods to determine the name of a location visited by a user of a wireless device
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
CA2940981C (en) 2014-03-07 2022-05-03 Jeffrey Brian Newcombe Dual-function card with key card functionality and stored value card functionality

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998037524A1 (en) * 1997-06-27 1998-08-27 Swisscom Ag Transaction method using a mobile device
WO2000049551A1 (en) * 1999-02-19 2000-08-24 Mobil Oil Corporation System and method for processing financial transactions
WO2001069555A1 (en) * 1999-12-23 2001-09-20 Swisscom Mobile Ag Payment transaction method and payment transaction system
EP1178450A2 (en) * 1994-10-28 2002-02-06 Behruz Vazvan Real time tele-payment system
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

Family Cites Families (6)

* Cited by examiner, † Cited by third party
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
EP1107198B1 (en) * 1999-11-30 2007-01-10 Citibank, Na System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
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

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1178450A2 (en) * 1994-10-28 2002-02-06 Behruz Vazvan Real time tele-payment system
WO1998037524A1 (en) * 1997-06-27 1998-08-27 Swisscom Ag Transaction method using a mobile device
WO2000049551A1 (en) * 1999-02-19 2000-08-24 Mobil Oil Corporation System and method for processing financial transactions
WO2001069555A1 (en) * 1999-12-23 2001-09-20 Swisscom Mobile Ag Payment transaction method and payment transaction system
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

Also Published As

Publication number Publication date
AU2003230820A1 (en) 2003-10-27
EP1493099A2 (en) 2005-01-05
WO2003088078A2 (en) 2003-10-23
WO2003088078A3 (en) 2004-03-25
JP2005522782A (en) 2005-07-28
CA2481505A1 (en) 2003-10-23

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