WO2006014340A3 - Transaction id system and process - Google Patents

Transaction id system and process Download PDF

Info

Publication number
WO2006014340A3
WO2006014340A3 PCT/US2005/023462 US2005023462W WO2006014340A3 WO 2006014340 A3 WO2006014340 A3 WO 2006014340A3 US 2005023462 W US2005023462 W US 2005023462W WO 2006014340 A3 WO2006014340 A3 WO 2006014340A3
Authority
WO
WIPO (PCT)
Prior art keywords
dna
transaction
merchant
information
order
Prior art date
Application number
PCT/US2005/023462
Other languages
French (fr)
Other versions
WO2006014340A2 (en
Inventor
Michelle Banaugh
Timothy R Knowlton
George L Wood
Original Assignee
Wells Fargo Bank Na
Michelle Banaugh
Timothy R Knowlton
George L Wood
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 Wells Fargo Bank Na, Michelle Banaugh, Timothy R Knowlton, George L Wood filed Critical Wells Fargo Bank Na
Publication of WO2006014340A2 publication Critical patent/WO2006014340A2/en
Publication of WO2006014340A3 publication Critical patent/WO2006014340A3/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
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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

Abstract

A system and process for creating, maintaining, and using transaction identifiers, i.e. a transaction DNA, is provided. The DNA, along with other transactional information, is sent through a set of intermediary entities (108) as found in a standard transaction processing system. The DNA is based on information that may include source ID1 merchant ID, and order ID (202). The order ID is a unique number that can be generated by the merchant (102). The DNA is maintained throughout the lifecycle of the transaction, including authorization requests, settlement requests, and exception item processing. The DNA allows the bank to provide precise transactional matching to the original transaction for the merchant, making reconciliation always possible, fast, and automatic, and ensuring information is presented in a manner that the merchant chooses.
PCT/US2005/023462 2004-07-02 2005-07-01 Transaction id system and process WO2006014340A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US58537104P 2004-07-02 2004-07-02
US60/585,371 2004-07-02
US11/172,748 US8145567B2 (en) 2000-10-31 2005-06-30 Transaction ID system and process
US11/172,748 2005-06-30

Publications (2)

Publication Number Publication Date
WO2006014340A2 WO2006014340A2 (en) 2006-02-09
WO2006014340A3 true WO2006014340A3 (en) 2007-03-29

Family

ID=35787571

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/023462 WO2006014340A2 (en) 2004-07-02 2005-07-01 Transaction id system and process

Country Status (2)

Country Link
US (2) US8145567B2 (en)
WO (1) WO2006014340A2 (en)

Families Citing this family (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20080147564A1 (en) * 2001-06-26 2008-06-19 Tara Chand Singhal Security in use of bankcards that protects bankcard data from merchant systems in a payment card system
US7333953B1 (en) * 2000-10-31 2008-02-19 Wells Fargo Bank, N.A. Method and apparatus for integrated payments processing and decisioning for internet transactions
US20070276766A1 (en) * 2006-05-24 2007-11-29 Carlos Antonio Lorenzo Hoyos System and Method for Preventing Multiple Charges for a Transaction in a Payment System
US20090012879A1 (en) * 2007-07-06 2009-01-08 Choi Hyun-Il System and method for electronic payment using separated timing and interface
US9292850B2 (en) * 2007-09-10 2016-03-22 Visa U.S.A. Inc. Host capture
US9208522B2 (en) * 2008-06-23 2015-12-08 Bank Of America Corporation Systems and methods for cash positioning and reporting
US9454526B1 (en) * 2009-10-16 2016-09-27 Iqor Holdings Inc., Iqor US Inc. Apparatuses, methods and systems for a chart of accounts simplifier
US9626663B2 (en) * 2011-01-21 2017-04-18 Integrated Bank Technology, Inc. System and method for collecting and distributing digital receipts
US20130198045A1 (en) * 2012-01-30 2013-08-01 Bank Of America Method and apparatus for reconciling a transaction
US9984361B2 (en) * 2012-02-23 2018-05-29 Mastercard International Incorporated Selectively providing cash-based e-commerce transactions
US9916585B2 (en) 2013-03-12 2018-03-13 Mastercard International Incorporated Methods and systems for generating a transaction lifecycle output for a payment card transaction
US10475296B1 (en) * 2014-12-30 2019-11-12 Jpmorgan Chase Bank, N.A. Hybrid cash recycler
US10235370B2 (en) * 2015-03-02 2019-03-19 Bank Of America Corporation Methods and apparatus for providing unified transmission tracking services
US10255579B2 (en) * 2016-06-09 2019-04-09 Mastercard International Incorporated System and method for incremental object tracking and progressive remittance
CN106875167B (en) * 2016-08-18 2020-08-04 阿里巴巴集团控股有限公司 Detection method and device for fund transaction path in electronic payment process
EP3631740A4 (en) * 2017-05-30 2020-09-23 Visa International Service Association System, method, and computer program product for maintaining transaction integrity over public networks
US11599878B2 (en) * 2018-12-19 2023-03-07 Mastercard International Incorporated Systems and methods for identifying errors in transaction messages
CN111080308A (en) * 2019-12-25 2020-04-28 支付宝(杭州)信息技术有限公司 Service information processing method and device and electronic equipment

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4799156A (en) * 1986-10-01 1989-01-17 Strategic Processing Corporation Interactive market management system

Family Cites Families (177)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4341951A (en) 1980-07-02 1982-07-27 Benton William M Electronic funds transfer and voucher issue system
US4727243A (en) 1984-10-24 1988-02-23 Telenet Communications Corporation Financial transaction system
US4823264A (en) 1986-05-27 1989-04-18 Deming Gilbert R Electronic funds transfer system
US5093787A (en) 1986-06-12 1992-03-03 Simmons John C Electronic checkbook with automatic reconciliation
US4813077A (en) 1986-07-30 1989-03-14 Scan-Optics, Inc. Sales transaction record processing system and method
NL8602245A (en) 1986-09-05 1988-04-05 Philips Nv SYSTEM FOR PROVIDING A TELECOMMUNICATIONS CONNECTION TO A COMPUTER.
US5053607A (en) 1986-10-06 1991-10-01 Carlson Steven R Point-of-sale device particularly adapted for processing checks
US4935870A (en) 1986-12-15 1990-06-19 Keycom Electronic Publishing Apparatus for downloading macro programs and executing a downloaded macro program responding to activation of a single key
JPH01255993A (en) 1988-04-05 1989-10-12 Sharp Corp Cash register
US5121945A (en) 1988-04-20 1992-06-16 Remittance Technology Corporation Financial data processing system
US4948174A (en) 1988-04-20 1990-08-14 Remittance Technology Corporation Financial data processing system
US5025373A (en) 1988-06-30 1991-06-18 Jml Communications, Inc. Portable personal-banking system
CA1337132C (en) 1988-07-15 1995-09-26 Robert Filepp Reception system for an interactive computer network and method of operation
US4947028A (en) 1988-07-19 1990-08-07 Arbor International, Inc. Automated order and payment system
US5247575A (en) 1988-08-16 1993-09-21 Sprague Peter J Information distribution system
US4982346A (en) 1988-12-16 1991-01-01 Expertel Communications Incorporated Mall promotion network apparatus and method
US5077607A (en) 1988-12-23 1991-12-31 Scientific-Atlanta, Inc. Cable television transaction terminal
US5496991A (en) 1989-02-09 1996-03-05 Delfer, Iii; Frank W. Automated remittance system
US4992940A (en) 1989-03-13 1991-02-12 H-Renee, Incorporated System and method for automated selection of equipment for purchase through input of user desired specifications
US4977595A (en) 1989-04-03 1990-12-11 Nippon Telegraph And Telephone Corporation Method and apparatus for implementing electronic cash
US5687322A (en) 1989-05-01 1997-11-11 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5220501A (en) 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5870724A (en) 1989-12-08 1999-02-09 Online Resources & Communications Corporation Targeting advertising in a home retail banking delivery service
US5623547A (en) 1990-04-12 1997-04-22 Jonhig Limited Value transfer system
US5231569A (en) 1990-06-12 1993-07-27 Sears Payment Systems, Inc. Account transaction system
DK0551433T3 (en) 1990-10-01 2001-07-30 Thomas A Bush transaction Processing System
US5177342A (en) 1990-11-09 1993-01-05 Visa International Service Association Transaction approval system
US5175682A (en) 1990-12-14 1992-12-29 Verifone, Inc. Check system and method including prioritizing checks for transmission to banks for processing
US5351186A (en) 1991-01-16 1994-09-27 Bullock Communications, Inc. System and method for obtaining information concerning a product or a service
US5237159A (en) 1991-07-17 1993-08-17 J. D. Carreker And Associates Electronic check presentment system
US5691524A (en) 1991-07-17 1997-11-25 J.D. Carreker And Associates, Inc. Electronic check presentment system having a non-ECP exceptions notification system incorporated therein
US5783808A (en) 1996-01-11 1998-07-21 J. D. Carreker And Associates, Inc. Electronic check presentment system having transaction level reconciliation capability
US5383113A (en) 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
US5453601A (en) 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US5557518A (en) 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
US5334823A (en) 1992-01-10 1994-08-02 National Bancard Corporation Systems and methods for operating data card terminals for transaction chargeback protection
US5428210A (en) 1992-01-10 1995-06-27 National Bancard Corporation Data card terminal with embossed character reader and signature capture
US5336870A (en) 1992-05-26 1994-08-09 Hughes Thomas S System for remote purchase payment transactions and remote bill payments
US5326959A (en) 1992-08-04 1994-07-05 Perazza Justin J Automated customer initiated entry remittance processing system
US5819226A (en) 1992-09-08 1998-10-06 Hnc Software Inc. Fraud detection using predictive modeling
US5361201A (en) 1992-10-19 1994-11-01 Hnc, Inc. Real estate appraisal using predictive modeling
AU5364794A (en) 1992-10-22 1994-05-09 American Express Travel Related Services Company, Inc. Automated billing consolidation system and method
US5377269A (en) 1992-10-29 1994-12-27 Intelligent Security Systems, Inc. Security access and monitoring system for personal computer
US5484988A (en) 1992-11-13 1996-01-16 Resource Technology Services, Inc. Checkwriting point of sale system
US5341429A (en) 1992-12-04 1994-08-23 Testdrive Corporation Transformation of ephemeral material
US5351293A (en) 1993-02-01 1994-09-27 Wave Systems Corp. System method and apparatus for authenticating an encrypted signal
US5983207A (en) 1993-02-10 1999-11-09 Turk; James J. Electronic cash eliminating payment risk
US5321751A (en) 1993-02-18 1994-06-14 Eastman Kodak Company Method and apparatus for credit card verification
US5311594A (en) 1993-03-26 1994-05-10 At&T Bell Laboratories Fraud protection for card transactions
CN1132565A (en) 1993-08-27 1996-10-02 杰弗里·A·诺里斯 Closed loop financial transaction method and appts.
US5414833A (en) 1993-10-27 1995-05-09 International Business Machines Corporation Network security system and method using a parallel finite state machine adaptive active monitor and responder
GB2283349A (en) 1993-10-29 1995-05-03 Ibm Transaction processing system
US5465206B1 (en) 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US5930776A (en) 1993-11-01 1999-07-27 The Golden 1 Credit Union Lender direct credit evaluation and loan processing system
US5920847A (en) 1993-11-01 1999-07-06 Visa International Service Association Electronic bill pay system
GB9323489D0 (en) 1993-11-08 1994-01-05 Ncr Int Inc Self-service business system
EP1235177A3 (en) 1993-12-16 2003-10-08 divine technology ventures Digital active advertising
AU1735195A (en) 1994-02-14 1995-08-29 Telepay, Inc. Automated interactive bill payment system
US5715298A (en) 1996-05-16 1998-02-03 Telepay Automated interactive bill payment system using debit cards
US5870456A (en) 1997-01-22 1999-02-09 Telepay, Inc. Automated interactive bill payment system using debit cards
US5799087A (en) 1994-04-28 1998-08-25 Citibank, N.A. Electronic-monetary system
US5500513A (en) 1994-05-11 1996-03-19 Visa International Automated purchasing control system
US5477040A (en) 1994-05-23 1995-12-19 Lalonde; Michael G. Structure for a method of facilitating charge transactions
US5649117A (en) 1994-06-03 1997-07-15 Midwest Payment Systems System and method for paying bills and other obligations including selective payor and payee controls
US5596642A (en) 1994-09-30 1997-01-21 Electronic Payment Services, Inc. Network settlement performed on consolidated information
US5715314A (en) 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US5748737A (en) 1994-11-14 1998-05-05 Daggar; Robert N. Multimedia electronic wallet with generic card
US5530438A (en) 1995-01-09 1996-06-25 Motorola, Inc. Method of providing an alert of a financial transaction
US5696909A (en) 1995-01-27 1997-12-09 Hypercom, Inc. Virtual POS terminal
US7124302B2 (en) 1995-02-13 2006-10-17 Intertrust Technologies Corp. Systems and methods for secure transaction management and electronic rights protection
US20030191719A1 (en) 1995-02-13 2003-10-09 Intertrust Technologies Corp. Systems and methods for secure transaction management and electronic rights protection
US7069451B1 (en) 1995-02-13 2006-06-27 Intertrust Technologies Corp. Systems and methods for secure transaction management and electronic rights protection
ATE441897T1 (en) 1995-02-13 2009-09-15 Intertrust Tech Corp SYSTEMS AND METHODS FOR MANAGING SECURED TRANSACTIONS AND PROTECTING ELECTRONIC RIGHTS
US5892900A (en) 1996-08-30 1999-04-06 Intertrust Technologies Corp. Systems and methods for secure transaction management and electronic rights protection
US5680305A (en) 1995-02-16 1997-10-21 Apgar, Iv; Mahlon System and method for evaluating real estate
US5710889A (en) 1995-02-22 1998-01-20 Citibank, N.A. Interface device for electronically integrating global financial services
US5696907A (en) 1995-02-27 1997-12-09 General Electric Company System and method for performing risk and credit analysis of financial service applications
US5717868A (en) 1995-03-07 1998-02-10 Huntington Bancshares Inc. Electronic payment interchange concentrator
JP3343771B2 (en) 1995-03-13 2002-11-11 株式会社東芝 Electronic payment device and electronic payment determination method
US5826245A (en) 1995-03-20 1998-10-20 Sandberg-Diment; Erik Providing verification information for a transaction
US5590197A (en) 1995-04-04 1996-12-31 V-One Corporation Electronic payment system and method
US5677955A (en) 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US5594225A (en) 1995-06-07 1997-01-14 Botvin; Arthur D. Methods and systems for conducting financial transactions via facsimile
US5794221A (en) 1995-07-07 1998-08-11 Egendorf; Andrew Internet billing method
US5893080A (en) 1995-07-25 1999-04-06 Bottomline Technologies, Inc. Disbursement system and method
US5699528A (en) 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US5758327A (en) 1995-11-01 1998-05-26 Ben D. Gardner Electronic requisition and authorization process
US5757917A (en) 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
US6138107A (en) 1996-01-04 2000-10-24 Netscape Communications Corporation Method and apparatus for providing electronic accounts over a public network
US5745654A (en) 1996-02-13 1998-04-28 Hnc Software, Inc. Fast explanations of scored observations
US5832463A (en) 1996-03-28 1998-11-03 Electronic Data Systems Corporation Automated system and method for checkless check transaction
US5801366A (en) 1996-03-28 1998-09-01 Electronic Data Systems Corporation Automated system and method for point-of-sale (POS) check processing
US6014645A (en) 1996-04-19 2000-01-11 Block Financial Corporation Real-time financial card application system
US5905736A (en) 1996-04-22 1999-05-18 At&T Corp Method for the billing of transactions over the internet
US6016484A (en) 1996-04-26 2000-01-18 Verifone, Inc. System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment
US5963924A (en) 1996-04-26 1999-10-05 Verifone, Inc. System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce
US5815657A (en) 1996-04-26 1998-09-29 Verifone, Inc. System, method and article of manufacture for network electronic authorization utilizing an authorization instrument
US6072870A (en) 1996-06-17 2000-06-06 Verifone Inc. System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
US6002767A (en) 1996-06-17 1999-12-14 Verifone, Inc. System, method and article of manufacture for a modular gateway server architecture
US6178409B1 (en) 1996-06-17 2001-01-23 Verifone, Inc. System, method and article of manufacture for multiple-entry point virtual point of sale architecture
US5889863A (en) 1996-06-17 1999-03-30 Verifone, Inc. System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture
US5850446A (en) 1996-06-17 1998-12-15 Verifone, Inc. System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture
US6373950B1 (en) 1996-06-17 2002-04-16 Hewlett-Packard Company System, method and article of manufacture for transmitting messages within messages utilizing an extensible, flexible architecture
US5983208A (en) 1996-06-17 1999-11-09 Verifone, Inc. System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
US6253027B1 (en) 1996-06-17 2001-06-26 Hewlett-Packard Company System, method and article of manufacture for exchanging software and configuration data over a multichannel, extensible, flexible architecture
US5812668A (en) 1996-06-17 1998-09-22 Verifone, Inc. System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing a multichannel, extensible, flexible architecture
US5943424A (en) 1996-06-17 1999-08-24 Hewlett-Packard Company System, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture
US6324525B1 (en) 1996-06-17 2001-11-27 Hewlett-Packard Company Settlement of aggregated electronic transactions over a network
US5987132A (en) 1996-06-17 1999-11-16 Verifone, Inc. System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture
US6026379A (en) 1996-06-17 2000-02-15 Verifone, Inc. System, method and article of manufacture for managing transactions in a high availability system
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
US5848400A (en) 1996-07-01 1998-12-08 Sun Microsystems, Inc. Electronic check exchange, clearing and settlement system
US5978840A (en) 1996-09-26 1999-11-02 Verifone, Inc. System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture
US5931917A (en) 1996-09-26 1999-08-03 Verifone, Inc. System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser
US6029150A (en) 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
WO1998015925A2 (en) 1996-10-09 1998-04-16 Visa International Service Association Electronic statement presentment system
US6070150A (en) 1996-10-18 2000-05-30 Microsoft Corporation Electronic bill presentment and payment system
US5884290A (en) 1996-10-22 1999-03-16 Unisys Corporation Method of transferring funds employing a three-node real-time electronic interlock
IL119486A0 (en) 1996-10-24 1997-01-10 Fortress U & T Ltd Apparatus and methods for collecting value
US6049793A (en) 1996-11-15 2000-04-11 Tomita; Kenichi System for building an artificial neural network
US5923016A (en) 1996-12-03 1999-07-13 Carlson Companies, Inc. In-store points redemption system & method
EP0956673A4 (en) 1996-12-20 2005-04-06 Financial Services Technology Method and system for processing electronic documents
US6164528A (en) 1996-12-31 2000-12-26 Chequemark Patent, Inc. Check writing point of sale system
US6167378A (en) 1997-01-21 2000-12-26 Webber, Jr.; Donald Gary Automated back office transaction method and system
US5996076A (en) 1997-02-19 1999-11-30 Verifone, Inc. System, method and article of manufacture for secure digital certification of electronic commerce
US5999625A (en) 1997-02-27 1999-12-07 International Business Machines Corporation Method for electronic payment system with issuer control
US6341353B1 (en) 1997-04-11 2002-01-22 The Brodia Group Smart electronic receipt system
US6282522B1 (en) 1997-04-30 2001-08-28 Visa International Service Association Internet payment system using smart card
DE19727386C1 (en) 1997-06-27 1999-01-07 Ibm Process for processing transaction data
IL121192A0 (en) 1997-06-30 1997-11-20 Ultimus Ltd Processing system and method for a heterogeneous electronic cash environment
US5949045A (en) 1997-07-03 1999-09-07 At&T Corp. Micro-dynamic simulation of electronic cash transactions
US6431439B1 (en) 1997-07-24 2002-08-13 Personal Solutions Corporation System and method for the electronic storage and transmission of financial transactions
US6029154A (en) 1997-07-28 2000-02-22 Internet Commerce Services Corporation Method and system for detecting fraud in a credit card transaction over the internet
US6292789B1 (en) 1997-08-26 2001-09-18 Citibank, N.A. Method and system for bill presentment and payment
US6044362A (en) 1997-09-08 2000-03-28 Neely; R. Alan Electronic invoicing and payment system
US20010010046A1 (en) 1997-09-11 2001-07-26 Muyres Matthew R. Client content management and distribution system
US20020004744A1 (en) 1997-09-11 2002-01-10 Muyres Matthew R. Micro-target for broadband content
US20010042016A1 (en) 1997-09-11 2001-11-15 Muyres Matthew R. Local portal
US20020002488A1 (en) 1997-09-11 2002-01-03 Muyres Matthew R. Locally driven advertising system
US20010056405A1 (en) 1997-09-11 2001-12-27 Muyres Matthew R. Behavior tracking and user profiling system
US5936221A (en) 1997-10-02 1999-08-10 Bridgepoint Systems, Inc. Smart card system and method for transferring value
US6304860B1 (en) 1997-10-03 2001-10-16 Joseph B. Martin, Jr. Automated debt payment system and method using ATM network
US5970475A (en) 1997-10-10 1999-10-19 Intelisys Electronic Commerce, Llc Electronic procurement system and method for trading partners
US6160874A (en) 1997-10-21 2000-12-12 Mci Communications Corporation Validation gateway
US5991750A (en) 1997-10-24 1999-11-23 Ge Capital System and method for pre-authorization of individual account transactions
US6226624B1 (en) 1997-10-24 2001-05-01 Craig J. Watson System and method for pre-authorization of individual account remote transactions
US6128602A (en) 1997-10-27 2000-10-03 Bank Of America Corporation Open-architecture system for real-time consolidation of information from multiple financial systems
US6047268A (en) 1997-11-04 2000-04-04 A.T.&T. Corporation Method and apparatus for billing for transactions conducted over the internet
US6009411A (en) 1997-11-14 1999-12-28 Concept Shopping, Inc. Method and system for distributing and reconciling electronic promotions
US5943656A (en) 1997-12-03 1999-08-24 Avista Advantage, Inc. Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems
US6636833B1 (en) 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
US6189785B1 (en) 1998-04-14 2001-02-20 International Check Services Demand deposit account data processing system
US6052675A (en) 1998-04-21 2000-04-18 At&T Corp. Method and apparatus for preauthorizing credit card type transactions
US6036344A (en) 1998-06-10 2000-03-14 Goldenberg; David Milton Secure check processing system and method
US20030140007A1 (en) 1998-07-22 2003-07-24 Kramer Glenn A. Third party value acquisition for electronic transaction settlement over a network
US6389403B1 (en) 1998-08-13 2002-05-14 International Business Machines Corporation Method and apparatus for uniquely identifying a customer purchase in an electronic distribution system
US6343279B1 (en) 1998-08-26 2002-01-29 American Management Systems, Inc. System integrating credit card transactions into a financial management system
US6169974B1 (en) 1998-10-08 2001-01-02 Paymentech, Inc. Method for closed loop processing of transactions utilizing bank card association
AU1916400A (en) 1998-11-17 2000-06-05 Prenet Corporation Electronic payment system utilizing intermediary account
US6243689B1 (en) 1998-12-29 2001-06-05 Robert G. Norton System and method for authorizing electronic funds transfer at a point of sale
AU2569400A (en) 1999-02-18 2000-09-04 Orbis Patents Limited Credit card system and method
US6412092B1 (en) 1999-04-14 2002-06-25 Hewlett-Packard Company Method and apparatus to reduce the cost of preparing the checksum for out bound data in network communication protocols by caching
US6502213B1 (en) 1999-08-31 2002-12-31 Accenture Llp System, method, and article of manufacture for a polymorphic exception handler in environment services patterns
US6496850B1 (en) 1999-08-31 2002-12-17 Accenture Llp Clean-up of orphaned server contexts
US6477580B1 (en) 1999-08-31 2002-11-05 Accenture Llp Self-described stream in a communication services patterns environment
US6442748B1 (en) 1999-08-31 2002-08-27 Accenture Llp System, method and article of manufacture for a persistent state and persistent object separator in an information services patterns environment
US6411938B1 (en) 1999-09-14 2002-06-25 Intuit, Inc. Client-server online payroll processing
US6629081B1 (en) 1999-12-22 2003-09-30 Accenture Llp Account settlement and financing in an e-commerce environment
US7660721B2 (en) 2000-03-28 2010-02-09 Stamps.Com Inc. Apparatus, systems and methods for online, multi-parcel, multi-carrier, multi-service parcel returns shipping management
US7587368B2 (en) 2000-07-06 2009-09-08 David Paul Felsher Information record infrastructure, system and method
US7333953B1 (en) 2000-10-31 2008-02-19 Wells Fargo Bank, N.A. Method and apparatus for integrated payments processing and decisioning for internet transactions
EP1256864A1 (en) 2001-05-09 2002-11-13 IP-Control GmbH Clearing network for controlling premium anonymous internet sessions
EP1265202A1 (en) 2001-06-04 2002-12-11 Orbis Patents Limited Business-to-business commerce using financial transaction numbers
EP1265200A1 (en) 2001-06-04 2002-12-11 Orbis Patents Limited Credit card system and method
JP3867578B2 (en) * 2002-01-11 2007-01-10 ヤマハ株式会社 Electronic music apparatus and program for electronic music apparatus
US20060074799A1 (en) 2004-10-01 2006-04-06 Network 1 Financial, Inc. Method and system for integrated payment processing
US20060089906A1 (en) 2004-10-21 2006-04-27 Michael Rowley Method for securing a payment transaction over a public network

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4799156A (en) * 1986-10-01 1989-01-17 Strategic Processing Corporation Interactive market management system

Also Published As

Publication number Publication date
US8145567B2 (en) 2012-03-27
WO2006014340A2 (en) 2006-02-09
US8407145B1 (en) 2013-03-26
US20060010070A1 (en) 2006-01-12

Similar Documents

Publication Publication Date Title
WO2006014340A3 (en) Transaction id system and process
WO2004006162A3 (en) System for assigning a funding source
WO2004003689A3 (en) Automated method and exchange for facilitating settlement of transactions
WO2006045060A3 (en) System and method for resolving transactions
GB2468817A (en) System and method for data completion including push identifier
WO2008018052A3 (en) Secure mechanism and system for processing financial transactions
WO2009011992A8 (en) System, method and computer program product for processing payments
WO2009002972A3 (en) Systems and methods for secure and transparent cardless transactions
WO2005038557A3 (en) System and method for automated incoming payment and invoice reconciliation
SG163433A1 (en) System and method for project bid and requisition process
WO2008027324A3 (en) Method and system to accept and settle transaction payments for an unbanked consumer
WO2009070727A3 (en) Billing and remittance payment system
MXPA03001652A (en) System and method for account reconciliation.
WO2002069561A3 (en) Distributed quantum encrypted pattern generation and scoring
WO2005004016A3 (en) Data processing system for transmitting of payment advice data
GB2375863A (en) Method and process for providing relevant data comparing proposal alternatives and reconciling proposals invoices and purchase orders with actual costs in a w
MX2009003643A (en) Transaction finance processing system and approach.
WO2005119549A8 (en) Methods and systems for accepting offers via checks
TW200725320A (en) Itinerary planning system and method
WO2007011786A3 (en) System and method for establishment of rules governing child accounts
WO2006004794A3 (en) Payment processing method and system
GB2375873A (en) Method and apparatus for authenticating financial transactions
WO2009124204A3 (en) Third-party methods and systems for managing merchant validation screening
WO2005101995A3 (en) Customized sales software and implementation
WO2011087915A3 (en) System and method for resolving transactions using weighted scoring techniques

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BW BY BZ CA CH CN CO CR CU CZ DK DM DZ EC EE EG ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KM KP KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NA NG NI NO NZ OM PG PH PL PT RO SC SD SE SG SK SL SM SY TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): BW GH GM KE LS MW MZ NA SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IS IT LT LU LV MC NL PL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
122 Ep: pct application non-entry in european phase