WO2003104945A3 - Value processing network and methods - Google Patents

Value processing network and methods Download PDF

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Publication number
WO2003104945A3
WO2003104945A3 PCT/US2003/018494 US0318494W WO03104945A3 WO 2003104945 A3 WO2003104945 A3 WO 2003104945A3 US 0318494 W US0318494 W US 0318494W WO 03104945 A3 WO03104945 A3 WO 03104945A3
Authority
WO
WIPO (PCT)
Prior art keywords
parties
transaction
rules
processing
computer system
Prior art date
Application number
PCT/US2003/018494
Other languages
French (fr)
Other versions
WO2003104945A2 (en
Inventor
George Nauman
Judy Turek
Doug Swartz
Vicki Abel
Original Assignee
First Data Corp
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 First Data Corp filed Critical First Data Corp
Priority to EP03757491A priority Critical patent/EP1535217A4/en
Priority to AU2003243516A priority patent/AU2003243516B2/en
Priority to CA002488730A priority patent/CA2488730A1/en
Publication of WO2003104945A2 publication Critical patent/WO2003104945A2/en
Publication of WO2003104945A3 publication Critical patent/WO2003104945A3/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
    • G06Q20/02—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
    • G06Q20/10—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
    • G06Q20/30—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
    • G06Q20/3674—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 involving authentication
    • 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
    • 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

Abstract

A method of processing a transaction involving at least two parties includes establishing rules that define transaction processing between combinations of a plurality of origination entities and a plurality of destination entities and storing the rules at a storage arrangement associated with a host computer system. The method also includes receiving at the host computer system transaction information relating to the transaction between the two parties. One of the parties is a particular one of the origination entities and one of the parties is a particular one of the destination entities. The transaction information contains at least an identifier from which at least one of the parties may be identified. The method also includes using the transaction information at the host computer system to identify at least one of the parties and consulting the storage arrangement to determine the rules that define transaction processing for the at least one party. The method also includes processing the transaction based, at least in part, on the rules.
PCT/US2003/018494 2002-06-11 2003-06-11 Value processing network and methods WO2003104945A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
EP03757491A EP1535217A4 (en) 2002-06-11 2003-06-11 Value processing network and methods
AU2003243516A AU2003243516B2 (en) 2002-06-11 2003-06-11 Value processing network and methods
CA002488730A CA2488730A1 (en) 2002-06-11 2003-06-11 Value processing network and methods

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US38804702P 2002-06-11 2002-06-11
US60/388,047 2002-06-11

Publications (2)

Publication Number Publication Date
WO2003104945A2 WO2003104945A2 (en) 2003-12-18
WO2003104945A3 true WO2003104945A3 (en) 2004-06-10

Family

ID=29736406

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/018494 WO2003104945A2 (en) 2002-06-11 2003-06-11 Value processing network and methods

Country Status (6)

Country Link
US (3) US8086539B2 (en)
EP (1) EP1535217A4 (en)
CN (1) CN1675640A (en)
AU (1) AU2003243516B2 (en)
CA (1) CA2488730A1 (en)
WO (1) WO2003104945A2 (en)

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