WO2002063432A3 - Method and system for completing a transaction between a customer and a merchant - Google Patents

Method and system for completing a transaction between a customer and a merchant Download PDF

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Publication number
WO2002063432A3
WO2002063432A3 PCT/US2002/003743 US0203743W WO02063432A3 WO 2002063432 A3 WO2002063432 A3 WO 2002063432A3 US 0203743 W US0203743 W US 0203743W WO 02063432 A3 WO02063432 A3 WO 02063432A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
merchant
customer
completing
communicating
Prior art date
Application number
PCT/US2002/003743
Other languages
French (fr)
Other versions
WO2002063432A2 (en
WO2002063432A8 (en
Inventor
Vincent W Talbert
Original Assignee
I4 Commerce Inc
Vincent W Talbert
Keithly Thomas H
Hirschfeld Daniel A
Lavelle Mark L
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 I4 Commerce Inc, Vincent W Talbert, Keithly Thomas H, Hirschfeld Daniel A, Lavelle Mark L filed Critical I4 Commerce Inc
Priority to CA2437507A priority Critical patent/CA2437507C/en
Priority to US10/470,223 priority patent/US7890393B2/en
Priority to AU2002247093A priority patent/AU2002247093B8/en
Priority to EP02714853A priority patent/EP1358609A4/en
Publication of WO2002063432A2 publication Critical patent/WO2002063432A2/en
Publication of WO2002063432A3 publication Critical patent/WO2002063432A3/en
Publication of WO2002063432A8 publication Critical patent/WO2002063432A8/en
Priority to AU2009200162A priority patent/AU2009200162B2/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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q20/08—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
    • G06Q20/403—Solvency checks

Abstract

A computer-implemented method and system for completing a transaction between a customer (10) and at least one merchant (20), including the steps of: (a) initiating a transaction by the customer (10) with a merchant (20); (b) communicating an authorization request, including customer data and transaction specific data, by the merchant (20) to a transaction system (26); (c) authenticating the customer (10) by the transaction system (26); (d) authorizing the transaction by the transaction system (26); (e) communicating the authorization response by the transaction system (26) to the merchant (20); and (f) completing the transaction between the merchant (20) and the customer (10). An apparatus for implementing the method is disclosed.
PCT/US2002/003743 2001-02-07 2002-02-07 Method and system for completing a transaction between a customer and a merchant WO2002063432A2 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
CA2437507A CA2437507C (en) 2001-02-07 2002-02-07 Method and system for completing a transaction between a customer and a merchant
US10/470,223 US7890393B2 (en) 2002-02-07 2002-02-07 Method and system for completing a transaction between a customer and a merchant
AU2002247093A AU2002247093B8 (en) 2001-02-07 2002-02-07 Method and system for completing a transaction between a customer and a merchant
EP02714853A EP1358609A4 (en) 2001-02-07 2002-02-07 Method and system for completing a transaction between a customer and a merchant
AU2009200162A AU2009200162B2 (en) 2001-02-07 2009-01-16 Method and system for completing a transaction between a customer and a merchant

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US26699501P 2001-02-07 2001-02-07
US60/266,995 2001-02-07
US27549401P 2001-03-13 2001-03-13
US60/275,494 2001-03-13
US32896401P 2001-10-12 2001-10-12
US60/328,964 2001-10-12

Publications (3)

Publication Number Publication Date
WO2002063432A2 WO2002063432A2 (en) 2002-08-15
WO2002063432A3 true WO2002063432A3 (en) 2003-03-06
WO2002063432A8 WO2002063432A8 (en) 2003-12-24

Family

ID=27401931

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/003743 WO2002063432A2 (en) 2001-02-07 2002-02-07 Method and system for completing a transaction between a customer and a merchant

Country Status (4)

Country Link
EP (1) EP1358609A4 (en)
AU (1) AU2009200162B2 (en)
CA (1) CA2437507C (en)
WO (1) WO2002063432A2 (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7743979B2 (en) 2004-02-25 2010-06-29 Jpmorgan Chase Bank, N.A. Method and system for credit card reimbursements for health care transactions
US7945492B1 (en) 1998-12-23 2011-05-17 Jpmorgan Chase Bank, N.A. System and method for integrating trading operations including the generation, processing and tracking of and trade documents
US8121944B2 (en) 2004-06-24 2012-02-21 Jpmorgan Chase Bank, N.A. Method and system for facilitating network transaction processing

Families Citing this family (30)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1131759A2 (en) 1998-11-13 2001-09-12 The Chase Manhattan Bank System and method for multicurrency and multibank processing over a non-secure network
US7068832B1 (en) 1999-05-11 2006-06-27 The Chase Manhattan Bank Lockbox imaging system
US7805365B1 (en) 1999-10-25 2010-09-28 Jpmorgan Chase Bank, N.A. Automated statement presentation, adjustment and payment system and method therefor
US6965865B2 (en) 1999-12-30 2005-11-15 Bank One Delaware N.A. System and method for integrated customer management
US7822656B2 (en) 2000-02-15 2010-10-26 Jpmorgan Chase Bank, N.A. International banking system and method
US8768836B1 (en) 2000-02-18 2014-07-01 Jpmorgan Chase Bank, N.A. System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image
US8468071B2 (en) 2000-08-01 2013-06-18 Jpmorgan Chase Bank, N.A. Processing transactions using a register portion to track transactions
WO2002015098A2 (en) 2000-08-11 2002-02-21 Loy John J Trade receivable processing method and apparatus
WO2002037386A1 (en) 2000-11-06 2002-05-10 First Usa Bank, N.A. System and method for selectable funding of electronic transactions
US8805739B2 (en) 2001-01-30 2014-08-12 Jpmorgan Chase Bank, National Association System and method for electronic bill pay and presentment
US7822684B2 (en) 2001-10-05 2010-10-26 Jpmorgan Chase Bank, N.A. Personalized bank teller machine
US7689482B2 (en) 2002-05-24 2010-03-30 Jp Morgan Chase Bank, N.A. System and method for payer (buyer) defined electronic invoice exchange
US10311412B1 (en) 2003-03-28 2019-06-04 Jpmorgan Chase Bank, N.A. Method and system for providing bundled electronic payment and remittance advice
US8630947B1 (en) 2003-04-04 2014-01-14 Jpmorgan Chase Bank, N.A. Method and system for providing electronic bill payment and presentment
US7792717B1 (en) 2003-10-31 2010-09-07 Jpmorgan Chase Bank, N.A. Waterfall prioritized payment processing
US7814003B2 (en) 2003-12-15 2010-10-12 Jp Morgan Chase Billing workflow system for crediting charges to entities creating derivatives exposure
US8554673B2 (en) 2004-06-17 2013-10-08 Jpmorgan Chase Bank, N.A. Methods and systems for discounts management
US8290863B2 (en) 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
US7983468B2 (en) 2005-02-09 2011-07-19 Jp Morgan Chase Bank Method and system for extracting information from documents by document segregation
US7676409B1 (en) 2005-06-20 2010-03-09 Jpmorgan Chase Bank, N.A. Method and system for emulating a private label over an open network
US8301529B1 (en) 2005-11-02 2012-10-30 Jpmorgan Chase Bank, N.A. Method and system for implementing effective governance of transactions between trading partners
US7734545B1 (en) 2006-06-14 2010-06-08 Jpmorgan Chase Bank, N.A. Method and system for processing recurring payments
US7916925B2 (en) 2007-02-09 2011-03-29 Jpmorgan Chase Bank, N.A. System and method for generating magnetic ink character recognition (MICR) testing documents
US8762270B1 (en) 2007-08-10 2014-06-24 Jpmorgan Chase Bank, N.A. System and method for providing supplemental payment or transaction information
US8622308B1 (en) 2007-12-31 2014-01-07 Jpmorgan Chase Bank, N.A. System and method for processing transactions using a multi-account transactions device
GB2468817A (en) 2008-01-15 2010-09-22 Visa Usa Inc System and method for data completion including push identifier
US8112355B1 (en) 2008-09-05 2012-02-07 Jpmorgan Chase Bank, N.A. Method and system for buyer centric dispute resolution in electronic payment system
US8391584B2 (en) 2008-10-20 2013-03-05 Jpmorgan Chase Bank, N.A. Method and system for duplicate check detection
US9092447B1 (en) 2008-10-20 2015-07-28 Jpmorgan Chase Bank, N.A. Method and system for duplicate detection
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000002150A1 (en) * 1998-07-01 2000-01-13 Webcard Inc. Transaction authorisation method
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
US20020035538A1 (en) * 2000-09-15 2002-03-21 Moreau Lawrence R. Method and system for facilitating buying and selling transactions
US20020069166A1 (en) * 2000-09-15 2002-06-06 Moreau Lawrence R. Method and system for facilitating buying and selling transactions
US20020087467A1 (en) * 2000-02-29 2002-07-04 Mascavage John Joseph Online purchasing method

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5793028A (en) * 1996-06-24 1998-08-11 Fred N. Gratzon Electronic transaction security system

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
WO2000002150A1 (en) * 1998-07-01 2000-01-13 Webcard Inc. Transaction authorisation method
US20020087467A1 (en) * 2000-02-29 2002-07-04 Mascavage John Joseph Online purchasing method
US20020035538A1 (en) * 2000-09-15 2002-03-21 Moreau Lawrence R. Method and system for facilitating buying and selling transactions
US20020069166A1 (en) * 2000-09-15 2002-06-06 Moreau Lawrence R. Method and system for facilitating buying and selling transactions

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP1358609A4 *

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7945492B1 (en) 1998-12-23 2011-05-17 Jpmorgan Chase Bank, N.A. System and method for integrating trading operations including the generation, processing and tracking of and trade documents
US7743979B2 (en) 2004-02-25 2010-06-29 Jpmorgan Chase Bank, N.A. Method and system for credit card reimbursements for health care transactions
US8121944B2 (en) 2004-06-24 2012-02-21 Jpmorgan Chase Bank, N.A. Method and system for facilitating network transaction processing
US8396798B2 (en) 2004-06-24 2013-03-12 Jpmorgan Chase Bank, N.A. Method and system for facilitating network transaction processing

Also Published As

Publication number Publication date
AU2009200162B2 (en) 2011-06-02
AU2009200162A1 (en) 2009-02-12
AU2002247093B2 (en) 2008-10-16
CA2437507C (en) 2015-10-27
EP1358609A4 (en) 2007-11-28
EP1358609A2 (en) 2003-11-05
WO2002063432A2 (en) 2002-08-15
WO2002063432A8 (en) 2003-12-24
CA2437507A1 (en) 2002-08-15

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