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GB2331822B - Method and apparatus for money transfers - Google Patents

Method and apparatus for money transfers

Info

Publication number
GB2331822B
GB2331822B GB9725430A GB9725430A GB2331822B GB 2331822 B GB2331822 B GB 2331822B GB 9725430 A GB9725430 A GB 9725430A GB 9725430 A GB9725430 A GB 9725430A GB 2331822 B GB2331822 B GB 2331822B
Authority
GB
United Kingdom
Prior art keywords
money transfers
money
transfers
Prior art date
Legal status (The legal status 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 status listed.)
Expired - Fee Related
Application number
GB9725430A
Other versions
GB2331822A (en
GB2331822A9 (en
GB9725430D0 (en
Inventor
Henry Wodehouse
Stuart Mcdonald
Jon Francis
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
GLOBAL MONEY TRANSFER HOLDINGS
Original Assignee
GLOBAL MONEY TRANSFER HOLDINGS
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
Publication of GB2331822A9 publication Critical patent/GB2331822A9/en
Application filed by GLOBAL MONEY TRANSFER HOLDINGS filed Critical GLOBAL MONEY TRANSFER HOLDINGS
Priority to GB9725430A priority Critical patent/GB2331822B/en
Priority to GB0121971A priority patent/GB2363664B/en
Publication of GB9725430D0 publication Critical patent/GB9725430D0/en
Priority to EP98955790A priority patent/EP1036381A1/en
Priority to AU12515/99A priority patent/AU742367B2/en
Priority to PCT/GB1998/003537 priority patent/WO1999028872A1/en
Publication of GB2331822A publication Critical patent/GB2331822A/en
Application granted granted Critical
Publication of GB2331822B publication Critical patent/GB2331822B/en
Priority to HK02103312.3A priority patent/HK1042390B/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/385Payment protocols; Details thereof using an alias or single-use codes
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/409Device specific authentication in transaction processing
    • G06Q20/4093Monitoring of device authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
GB9725430A 1997-12-01 1997-12-01 Method and apparatus for money transfers Expired - Fee Related GB2331822B (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
GB9725430A GB2331822B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers
GB0121971A GB2363664B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers
PCT/GB1998/003537 WO1999028872A1 (en) 1997-12-01 1998-11-26 Method and apparatus for money transfers
EP98955790A EP1036381A1 (en) 1997-12-01 1998-11-26 Method and apparatus for money transfers
AU12515/99A AU742367B2 (en) 1997-12-01 1998-11-26 Method and apparatus for money transfers
HK02103312.3A HK1042390B (en) 1997-12-01 2002-05-02 Method and apparatus for money transfers

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB9725430A GB2331822B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers

Publications (4)

Publication Number Publication Date
GB2331822A9 GB2331822A9 (en)
GB9725430D0 GB9725430D0 (en) 1998-01-28
GB2331822A GB2331822A (en) 1999-06-02
GB2331822B true GB2331822B (en) 2002-04-17

Family

ID=10822956

Family Applications (2)

Application Number Title Priority Date Filing Date
GB9725430A Expired - Fee Related GB2331822B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers
GB0121971A Expired - Fee Related GB2363664B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers

Family Applications After (1)

Application Number Title Priority Date Filing Date
GB0121971A Expired - Fee Related GB2363664B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers

Country Status (4)

Country Link
EP (1) EP1036381A1 (en)
AU (1) AU742367B2 (en)
GB (2) GB2331822B (en)
HK (1) HK1042390B (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101299255B (en) * 1999-05-25 2020-05-19 塞弗派澳大利亚有限公司 Online transaction processing system

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU734404B3 (en) * 1999-05-25 2001-06-14 Safepay Australia Pty Limited System for handling network transactions
EP1077436A3 (en) * 1999-08-19 2005-06-22 Citicorp Development Center, Inc. System and method for performing an on-line transaction using a single-use payment instrument
US6488203B1 (en) * 1999-10-26 2002-12-03 First Data Corporation Method and system for performing money transfer transactions
CN101067856A (en) * 2007-06-28 2007-11-07 向亚峰 Method and system for realizing network payment

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0029733A2 (en) * 1979-11-26 1981-06-03 Edward Louis Braun Automated banking apparatus
GB2261538A (en) * 1991-11-13 1993-05-19 Bank Of England Transaction authentication system
WO1996026508A1 (en) * 1995-02-22 1996-08-29 Electronic Data Systems Corporation System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5319710A (en) * 1986-08-22 1994-06-07 Tandem Computers Incorporated Method and means for combining and managing personal verification and message authentication encrytions for network transmission
US5196840A (en) * 1990-11-05 1993-03-23 International Business Machines Corporation Secure communications system for remotely located computers
US6085320A (en) * 1996-05-15 2000-07-04 Rsa Security Inc. Client/server protocol for proving authenticity

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0029733A2 (en) * 1979-11-26 1981-06-03 Edward Louis Braun Automated banking apparatus
GB2261538A (en) * 1991-11-13 1993-05-19 Bank Of England Transaction authentication system
WO1996026508A1 (en) * 1995-02-22 1996-08-29 Electronic Data Systems Corporation System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101299255B (en) * 1999-05-25 2020-05-19 塞弗派澳大利亚有限公司 Online transaction processing system

Also Published As

Publication number Publication date
AU1251599A (en) 1999-06-16
HK1042390B (en) 2003-01-10
GB0121971D0 (en) 2001-10-31
GB2331822A (en) 1999-06-02
EP1036381A1 (en) 2000-09-20
GB2363664A (en) 2002-01-02
WO1999028872A2 (en) 1999-06-10
GB2363664B (en) 2002-04-17
GB2331822A9 (en)
WO1999028872A8 (en) 1999-07-29
AU742367B2 (en) 2002-01-03
GB9725430D0 (en) 1998-01-28
HK1042390A1 (en) 2002-08-09

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Legal Events

Date Code Title Description
732E Amendments to the register in respect of changes of name or changes affecting rights (sect. 32/1977)
PCNP Patent ceased through non-payment of renewal fee

Effective date: 20051201