WO2002102133A3 - System and method for processing financial transactions - Google Patents

System and method for processing financial transactions Download PDF

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Publication number
WO2002102133A3
WO2002102133A3 PCT/US2002/021876 US0221876W WO02102133A3 WO 2002102133 A3 WO2002102133 A3 WO 2002102133A3 US 0221876 W US0221876 W US 0221876W WO 02102133 A3 WO02102133 A3 WO 02102133A3
Authority
WO
WIPO (PCT)
Prior art keywords
financial transactions
processing financial
goods
services
exchange
Prior art date
Application number
PCT/US2002/021876
Other languages
French (fr)
Other versions
WO2002102133A2 (en
WO2002102133A9 (en
Inventor
Joseph A Giordano
Jack B Murray Jr
Original Assignee
Exxonmobil Res & Eng 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
Application filed by Exxonmobil Res & Eng Co filed Critical Exxonmobil Res & Eng Co
Priority to CA002438490A priority Critical patent/CA2438490A1/en
Priority to JP2003504733A priority patent/JP4861604B2/en
Priority to EP02763258A priority patent/EP1381994A4/en
Priority to AU2002327227A priority patent/AU2002327227B8/en
Publication of WO2002102133A2 publication Critical patent/WO2002102133A2/en
Publication of WO2002102133A9 publication Critical patent/WO2002102133A9/en
Publication of WO2002102133A3 publication Critical patent/WO2002102133A3/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
    • 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices

Abstract

The invention relate generally to retail transactions (400) and, more particularly, to systems (30) and methods for monitoring consumer behavior and for providing a secure electronic payment in exchange for goods and services.
PCT/US2002/021876 2001-02-27 2002-02-27 System and method for processing financial transactions WO2002102133A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
CA002438490A CA2438490A1 (en) 2001-02-27 2002-02-27 System and method for processing financial transactions
JP2003504733A JP4861604B2 (en) 2001-02-27 2002-02-27 System and method for processing financial transactions
EP02763258A EP1381994A4 (en) 2001-02-27 2002-02-27 System and method for processing financial transactions
AU2002327227A AU2002327227B8 (en) 2001-02-27 2002-02-27 System and method for processing financial transactions

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US27140801P 2001-02-27 2001-02-27
US60/271,408 2001-02-27
US27843101P 2001-03-26 2001-03-26
US60/278,431 2001-03-26

Publications (3)

Publication Number Publication Date
WO2002102133A2 WO2002102133A2 (en) 2002-12-27
WO2002102133A9 WO2002102133A9 (en) 2003-04-10
WO2002102133A3 true WO2002102133A3 (en) 2003-11-13

Family

ID=26954869

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/021876 WO2002102133A2 (en) 2001-02-27 2002-02-27 System and method for processing financial transactions

Country Status (5)

Country Link
EP (1) EP1381994A4 (en)
JP (2) JP4861604B2 (en)
AU (1) AU2002327227B8 (en)
CA (1) CA2438490A1 (en)
WO (1) WO2002102133A2 (en)

Families Citing this family (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7949605B2 (en) 2001-02-23 2011-05-24 Mark Itwaru Secure electronic commerce
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
JP2006236014A (en) * 2005-02-25 2006-09-07 Fujitsu Ltd Shopping support system using shopping list
US20100257033A1 (en) * 2009-04-02 2010-10-07 Qualcomm Incorporated System and method of conducting transactions using a wireless device
CA2835734A1 (en) 2011-05-11 2012-11-15 Mark Itwaru Split mobile payment system
WO2012151660A1 (en) * 2011-05-11 2012-11-15 Mark Itwaru Mobile image payment system
US9547861B2 (en) 2011-05-11 2017-01-17 Mark Itwaru System and method for wireless communication with an IC chip for submission of pin data
US10223674B2 (en) 2011-05-11 2019-03-05 Riavera Corp. Customized transaction flow for multiple transaction types using encoded image representation of transaction information
US9785935B2 (en) 2011-05-11 2017-10-10 Riavera Corp. Split mobile payment system
US9715704B2 (en) 2011-05-11 2017-07-25 Riavera Corp Merchant ordering system using optical machine readable image representation of invoice information
US8616453B2 (en) 2012-02-15 2013-12-31 Mark Itwaru System and method for processing funds transfer between entities based on received optical machine readable image information
US9734498B2 (en) 2011-05-11 2017-08-15 Riavera Corp Mobile image payment system using short codes
US9721243B2 (en) 2011-05-11 2017-08-01 Riavera Corp. Mobile payment system using subaccounts of account holder
JP2014186672A (en) * 2013-03-25 2014-10-02 Nihon Unisys Ltd Financial business system
CA2940981C (en) 2014-03-07 2022-05-03 Jeffrey Brian Newcombe Dual-function card with key card functionality and stored value card functionality
JP2020197768A (en) * 2019-05-30 2020-12-10 株式会社三菱Ｕｆｊ銀行 Information processing device, information processing method, and program

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6330543B1 (en) * 1997-11-14 2001-12-11 Concept Shopping, Inc. Method and system for distributing and reconciling electronic promotions

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5905246A (en) * 1996-10-31 1999-05-18 Fajkowski; Peter W. Method and apparatus for coupon management and redemption
WO1998021713A2 (en) * 1996-11-15 1998-05-22 1.2.1. Precise Information Llc Merchandizing system
WO1999016701A1 (en) * 1997-09-26 1999-04-08 Gilbarco Inc. Fuel dispensing and retail system for providing loyalty and customer benefits
US6505773B1 (en) * 1998-04-03 2003-01-14 International Business Machines Corporation Authenticated electronic coupon issuing and redemption
US6089284A (en) * 1998-09-24 2000-07-18 Marconi Commerce Systems Inc. Preconditioning a fuel dispensing system using a transponder
JP2000184085A (en) * 1998-12-18 2000-06-30 Fujitsu Ltd Portable equipment, attachment for portable terminal and system using portable equipment
JP2002533847A (en) * 1998-12-29 2002-10-08 シンボル テクノロジーズ インコーポレイテッド Compact barcode scanner
US7571139B1 (en) * 1999-02-19 2009-08-04 Giordano Joseph A System and method for processing financial transactions
JP4331324B2 (en) * 1999-06-07 2009-09-16 トキコテクノ株式会社 Gas station management system
AU5568500A (en) * 1999-06-22 2001-01-09 Sp Center Co., Ltd. Personal information identification code, and system and method for using personal information identification code
AU4933799A (en) * 1999-08-02 2001-02-19 E-Mark Systems Inc. Electronic settlement system, settlement device, and terminal

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6330543B1 (en) * 1997-11-14 2001-12-11 Concept Shopping, Inc. Method and system for distributing and reconciling electronic promotions

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
SNOW C. MATTHEW: "Mobil uses IT to speed past competition", DATAMATION, vol. 43, no. 10, October 1997 (1997-10-01), pages 14, XP002974071 *

Also Published As

Publication number Publication date
WO2002102133A2 (en) 2002-12-27
EP1381994A2 (en) 2004-01-21
EP1381994A4 (en) 2007-08-22
JP4861604B2 (en) 2012-01-25
JP2008165812A (en) 2008-07-17
WO2002102133A9 (en) 2003-04-10
JP2004530232A (en) 2004-09-30
AU2002327227B8 (en) 2008-05-15
AU2002327227B2 (en) 2008-04-24
CA2438490A1 (en) 2002-12-27

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