WO2001073707A3 - Method and apparatus for managing one or more value bearing instruments - Google Patents

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

Info

Publication number
WO2001073707A3
WO2001073707A3 PCT/US2001/010594 US0110594W WO0173707A3 WO 2001073707 A3 WO2001073707 A3 WO 2001073707A3 US 0110594 W US0110594 W US 0110594W WO 0173707 A3 WO0173707 A3 WO 0173707A3
Authority
WO
WIPO (PCT)
Prior art keywords
consumer
supplier
transaction service
secure transaction
identity
Prior art date
Application number
PCT/US2001/010594
Other languages
French (fr)
Other versions
WO2001073707A2 (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 EP01923025A priority Critical patent/EP1360661A2/en
Priority to AU2001249764A priority patent/AU2001249764A1/en
Publication of WO2001073707A2 publication Critical patent/WO2001073707A2/en
Publication of WO2001073707A3 publication Critical patent/WO2001073707A3/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
    • G06Q30/02—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
    • G06Q20/04—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
    • G06Q20/08—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • 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

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 with 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. Other aspects of the system include methods for reissuing, exchanging and forwarding value bearing instruments for original and third party users.
PCT/US2001/010594 2000-03-29 2001-03-28 Method and apparatus for managing one or more value bearing instruments WO2001073707A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP01923025A EP1360661A2 (en) 2000-03-29 2001-03-28 Method and apparatus for managing one or more value bearing instruments
AU2001249764A AU2001249764A1 (en) 2000-03-29 2001-03-28 Method and apparatus for managing one or more value bearing instruments

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US19306400P 2000-03-29 2000-03-29
US60/193,064 2000-03-29

Publications (2)

Publication Number Publication Date
WO2001073707A2 WO2001073707A2 (en) 2001-10-04
WO2001073707A3 true WO2001073707A3 (en) 2003-08-28

Family

ID=22712147

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/010594 WO2001073707A2 (en) 2000-03-29 2001-03-28 Method and apparatus for managing one or more value bearing instruments

Country Status (3)

Country Link
EP (1) EP1360661A2 (en)
AU (1) AU2001249764A1 (en)
WO (1) WO2001073707A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102521925B (en) * 2011-12-08 2013-10-23 中国工商银行股份有限公司 Load balancing method and system of bank terminal device
US11544708B2 (en) * 2017-12-29 2023-01-03 Ebay Inc. User controlled storage and sharing of personal user information on a blockchain

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0713198A2 (en) * 1994-11-18 1996-05-22 Hitachi, Ltd. Electronic ticket vending system and method thereof
WO1998022915A1 (en) * 1996-11-20 1998-05-28 British Telecommunications Public Limited Company Transaction system
WO1998043211A1 (en) * 1997-03-26 1998-10-01 British Telecommunications Public Limited Company Transaction system
WO1998044429A1 (en) * 1997-04-01 1998-10-08 Cardis Enterprise International N.V. Countable electronic monetary system and method
US5903880A (en) * 1996-07-19 1999-05-11 Biffar; Peter C. Self-contained payment system with circulating digital vouchers
WO1999027475A1 (en) * 1997-11-20 1999-06-03 Mordhai Barkan Payment system and method using tokens
EP0932128A2 (en) * 1998-01-27 1999-07-28 NTT Data Corporation Electronic ticket system, collecting terminal, service providing terminal, user terminal, electronic ticket correcting method and recording medium
US5999625A (en) * 1997-02-27 1999-12-07 International Business Machines Corporation Method for electronic payment system with issuer control

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0713198A2 (en) * 1994-11-18 1996-05-22 Hitachi, Ltd. Electronic ticket vending system and method thereof
US5903880A (en) * 1996-07-19 1999-05-11 Biffar; Peter C. Self-contained payment system with circulating digital vouchers
WO1998022915A1 (en) * 1996-11-20 1998-05-28 British Telecommunications Public Limited Company Transaction system
US5999625A (en) * 1997-02-27 1999-12-07 International Business Machines Corporation Method for electronic payment system with issuer control
WO1998043211A1 (en) * 1997-03-26 1998-10-01 British Telecommunications Public Limited Company Transaction system
WO1998044429A1 (en) * 1997-04-01 1998-10-08 Cardis Enterprise International N.V. Countable electronic monetary system and method
WO1999027475A1 (en) * 1997-11-20 1999-06-03 Mordhai Barkan Payment system and method using tokens
EP0932128A2 (en) * 1998-01-27 1999-07-28 NTT Data Corporation Electronic ticket system, collecting terminal, service providing terminal, user terminal, electronic ticket correcting method and recording medium

Also Published As

Publication number Publication date
WO2001073707A2 (en) 2001-10-04
AU2001249764A1 (en) 2001-10-08
EP1360661A2 (en) 2003-11-12

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