WO1996031965A1 - Electronic funds transfer instruments - Google Patents
Electronic funds transfer instruments Download PDFInfo
- Publication number
- WO1996031965A1 WO1996031965A1 PCT/US1996/004771 US9604771W WO9631965A1 WO 1996031965 A1 WO1996031965 A1 WO 1996031965A1 US 9604771 W US9604771 W US 9604771W WO 9631965 A1 WO9631965 A1 WO 9631965A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- electronic
- account
- payee
- payer
- instrument
- 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
- 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
- G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
- G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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
- 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
-
- 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
- G06Q30/018—Certifying business or products
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3263—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
Abstract
Description
Claims
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
JP8530527A JPH11503541A (en) | 1995-04-07 | 1996-04-08 | Electronic Funds Transaction Certificate |
EP96911621A EP0819345A4 (en) | 1995-04-07 | 1996-04-08 | Electronic funds transfer instruments |
BR9608448-0A BR9608448A (en) | 1995-04-07 | 1996-04-08 | Electronic funds transfer instruments. |
MXPA/A/1997/007739A MXPA97007739A (en) | 1995-04-07 | 1997-10-07 | Instruments for defon electronic transfer |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/418,190 US5677955A (en) | 1995-04-07 | 1995-04-07 | Electronic funds transfer instruments |
US08/418,190 | 1995-04-07 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO1996031965A1 true WO1996031965A1 (en) | 1996-10-10 |
WO1996031965A9 WO1996031965A9 (en) | 1997-03-20 |
Family
ID=23657085
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1996/004771 WO1996031965A1 (en) | 1995-04-07 | 1996-04-08 | Electronic funds transfer instruments |
Country Status (6)
Country | Link |
---|---|
US (1) | US5677955A (en) |
EP (1) | EP0819345A4 (en) |
JP (1) | JPH11503541A (en) |
BR (1) | BR9608448A (en) |
CA (1) | CA2217593A1 (en) |
WO (1) | WO1996031965A1 (en) |
Cited By (29)
Publication number | Priority date | Publication date | Assignee | Title |
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WO1998026385A2 (en) * | 1996-12-13 | 1998-06-18 | Certco, Llc | Reliance server for electronic transaction system |
WO1999042965A1 (en) * | 1998-02-19 | 1999-08-26 | Certco | Computer-based method and system for aiding transactions |
WO1999046716A1 (en) * | 1998-03-13 | 1999-09-16 | Fujitsu Limited | Electronic check system, financial information managing system, and electronic check managing device |
US6021202A (en) * | 1996-12-20 | 2000-02-01 | Financial Services Technology Consortium | Method and system for processing electronic documents |
WO2000045564A1 (en) * | 1999-01-29 | 2000-08-03 | Allen Claxton | Reliance manager for electronic transaction system |
WO2001001361A1 (en) * | 1999-06-28 | 2001-01-04 | Barclays Bank Plc | Secure transaction system |
US6192131B1 (en) | 1996-11-15 | 2001-02-20 | Securities Industry Automation Corporation | Enabling business transactions in computer networks |
WO2001022373A1 (en) * | 1999-09-22 | 2001-03-29 | Ba Cards And Security B.V. (Bacs) | Method and system for performing a transaction between a client and a server over a network |
US6212634B1 (en) | 1996-11-15 | 2001-04-03 | Open Market, Inc. | Certifying authorization in computer networks |
SG79964A1 (en) * | 1997-03-31 | 2001-04-17 | Hitachi Ltd | Electronic business transaction system |
WO2002005227A1 (en) * | 2000-07-11 | 2002-01-17 | Hubsquare B.V. | Arrangement and method for a world wide payment system on internet |
EP1221120A1 (en) * | 1999-09-10 | 2002-07-10 | David Solo | System and method for providing certificate validation and other services |
JP2003521763A (en) * | 1999-09-24 | 2003-07-15 | メアリー マッケンニー | System and method for providing settlement service in electronic commerce |
US7069443B2 (en) | 2000-06-06 | 2006-06-27 | Ingeo Systems, Inc. | Creating and verifying electronic documents |
US7177839B1 (en) | 1996-12-13 | 2007-02-13 | Certco, Inc. | Reliance manager for electronic transaction system |
US7392935B2 (en) | 2005-02-10 | 2008-07-01 | Wells Fargo Bank, N.A. | Method and apparatus for accepting check deposits via the internet using browser-based technology |
US7676431B2 (en) | 1999-05-03 | 2010-03-09 | Jpmorgan Chase Bank, Na | Method and system for processing internet payments using the electronic funds transfer network |
US7734924B2 (en) | 2000-09-08 | 2010-06-08 | Identrust, Inc. | System and method for transparently providing certificate validation and other services within an electronic transaction |
US7908226B2 (en) | 1999-06-18 | 2011-03-15 | Echarge Corporation | Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account |
US8818903B2 (en) | 1999-09-10 | 2014-08-26 | Charles Dulin | Transaction coordinator for digital certificate validation and other services |
US8892475B2 (en) | 2000-09-08 | 2014-11-18 | Identrust, Inc. | Provision of authorization and other services |
US9684889B2 (en) | 1999-02-12 | 2017-06-20 | Identrust, Inc. | System and method for providing certification-related and other services |
US10185936B2 (en) | 2000-06-22 | 2019-01-22 | Jpmorgan Chase Bank, N.A. | Method and system for processing internet payments |
US10719825B2 (en) * | 2013-05-24 | 2020-07-21 | Bank Of America Corporation | Method and system for secure protocol exchange |
US10861104B1 (en) | 2008-07-21 | 2020-12-08 | Wells Fargo Bank, N.A. | System and method for configuring payment coupon processing |
US11093623B2 (en) | 2011-12-09 | 2021-08-17 | Sertainty Corporation | System and methods for using cipher objects to protect data |
US20210319415A1 (en) * | 2020-04-10 | 2021-10-14 | Ivan Zadorozhny | Two-in-one process for payments and electronic data |
US11386409B2 (en) | 2016-03-04 | 2022-07-12 | Sertintyone Corporation | Systems and methods for media codecs and containers |
US11423400B1 (en) | 1999-06-18 | 2022-08-23 | Stripe, Inc. | Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account |
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US5453601A (en) | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
US10361802B1 (en) | 1999-02-01 | 2019-07-23 | Blanding Hovenweep, Llc | Adaptive pattern recognition based control system and method |
US5267314A (en) * | 1992-11-17 | 1993-11-30 | Leon Stambler | Secure transaction system and method utilized therein |
US5983207A (en) * | 1993-02-10 | 1999-11-09 | Turk; James J. | Electronic cash eliminating payment risk |
US7859551B2 (en) | 1993-10-15 | 2010-12-28 | Bulman Richard L | Object customization and presentation system |
US6564321B2 (en) | 1995-04-28 | 2003-05-13 | Bobo Ii Charles R | Systems and methods for storing, delivering, and managing messages |
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Also Published As
Publication number | Publication date |
---|---|
BR9608448A (en) | 1999-12-07 |
CA2217593A1 (en) | 1996-10-10 |
EP0819345A1 (en) | 1998-01-21 |
EP0819345A4 (en) | 2004-07-21 |
MX9707739A (en) | 1998-03-31 |
JPH11503541A (en) | 1999-03-26 |
US5677955A (en) | 1997-10-14 |
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