GB2331822B - Method and apparatus for money transfers - Google Patents

Method and apparatus for money transfers

Info

Publication number: GB2331822B
Authority: GB; United Kingdom
Prior art keywords: money transfers; money; transfers
Prior art date: 1997-12-01
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

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.)

1997-12-01

Filing date

1997-12-01

Publication date

2002-04-17

Publication of GB2331822A9publicationCriticalpatent/GB2331822A9/en

1997-12-01Application filed by GLOBAL MONEY TRANSFER HOLDINGSfiledCriticalGLOBAL MONEY TRANSFER HOLDINGS

1997-12-01Priority to GB0121971ApriorityCriticalpatent/GB2363664B/en

1997-12-01Priority to GB9725430Aprioritypatent/GB2331822B/en

1998-01-28Publication of GB9725430D0publicationCriticalpatent/GB9725430D0/en

1998-11-26Priority to EP98955790Aprioritypatent/EP1036381A1/en

1998-11-26Priority to PCT/GB1998/003537prioritypatent/WO1999028872A2/en

1998-11-26Priority to AU12515/99Aprioritypatent/AU742367B2/en

1999-06-02Publication of GB2331822ApublicationCriticalpatent/GB2331822A/en

2002-04-17Application grantedgrantedCritical

2002-04-17Publication of GB2331822BpublicationCriticalpatent/GB2331822B/en

2002-05-02Priority to HK02103312.3Aprioritypatent/HK1042390B/en

2017-12-01Anticipated expirationlegal-statusCritical

StatusExpired - Fee Relatedlegal-statusCriticalCurrent

Classifications

- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms 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
- G07F7/10—Mechanisms 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
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4093—Monitoring of device authentication
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, 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)
Strategic Management (AREA)
General Business, Economics & Management (AREA)
Theoretical Computer Science (AREA)
Finance (AREA)
Computer Security & Cryptography (AREA)
Microelectronics & Electronic Packaging (AREA)
Computer Networks & Wireless Communication (AREA)
Development Economics (AREA)
Economics (AREA)
Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

GB9725430A1997-12-011997-12-01Method and apparatus for money transfersExpired - Fee RelatedGB2331822B (en)

Priority Applications (6)

Application Number	Priority Date	Filing Date	Title
GB0121971AGB2363664B (en)	1997-12-01	1997-12-01	Method and apparatus for money transfers
GB9725430AGB2331822B (en)	1997-12-01	1997-12-01	Method and apparatus for money transfers
AU12515/99AAU742367B2 (en)	1997-12-01	1998-11-26	Method and apparatus for money transfers
EP98955790AEP1036381A1 (en)	1997-12-01	1998-11-26	Method and apparatus for money transfers
PCT/GB1998/003537WO1999028872A2 (en)	1997-12-01	1998-11-26	Method and apparatus for money transfers
HK02103312.3AHK1042390B (en)	1997-12-01	2002-05-02	Method and apparatus for money transfers

Applications Claiming Priority (1)

Application Number	Priority Date	Filing Date	Title
GB9725430AGB2331822B (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
GB2331822Btrue GB2331822B (en)	2002-04-17

Family

ID=10822956

Family Applications (2)

Application Number	Title	Priority Date	Filing Date
GB9725430AExpired - Fee RelatedGB2331822B (en)	1997-12-01	1997-12-01	Method and apparatus for money transfers
GB0121971AExpired - Fee RelatedGB2363664B (en)	1997-12-01	1997-12-01	Method and apparatus for money transfers

Family Applications After (1)

Application Number	Title	Priority Date	Filing Date
GB0121971AExpired - Fee RelatedGB2363664B (en)	1997-12-01	1997-12-01	Method and apparatus for money transfers

Country Status (5)

Country	Link
EP (1)	EP1036381A1 (en)
AU (1)	AU742367B2 (en)
GB (2)	GB2331822B (en)
HK (1)	HK1042390B (en)
WO (1)	WO1999028872A2 (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 (25)

* 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
US7376587B1 (en)	2000-07-11	2008-05-20	Western Union Financial Services, Inc.	Method for enabling transfer of funds through a computer network
US7613653B2 (en)	1999-12-30	2009-11-03	First Data Corporation	Money order debit from stored value fund
US7606734B2 (en)	2000-07-11	2009-10-20	The Western Union Company	Wide area network person-to-person payment
US7398252B2 (en)	2000-07-11	2008-07-08	First Data Corporation	Automated group payment
US7266533B2 (en)	2000-12-15	2007-09-04	The Western Union Company	Electronic gift greeting
US7130817B2 (en)	2000-12-15	2006-10-31	First Data Corporation	Electronic gift linking
US7117183B2 (en)	2001-03-31	2006-10-03	First Data Coroporation	Airline ticket payment and reservation system and methods
US7103577B2 (en)	2001-03-31	2006-09-05	First Data Corporation	Systems and methods for staging transactions, payments and collections
US9853759B1 (en)	2001-03-31	2017-12-26	First Data Corporation	Staged transaction system for mobile commerce
CA2443220A1 (en)	2001-03-31	2002-10-10	First Data Corporation	Electronic identifier payment system and methods
US7184989B2 (en)	2001-03-31	2007-02-27	First Data Corporation	Staged transactions systems and methods
US7165052B2 (en)	2001-03-31	2007-01-16	First Data Corporation	Payment service method and system
US8244632B2 (en)	2001-10-26	2012-08-14	First Data Corporation	Automated transfer with stored value
US8374962B2 (en)	2001-10-26	2013-02-12	First Data Corporation	Stored value payouts
US6670569B2 (en)	2001-11-08	2003-12-30	First Data Corporation	Mail handling equipment and methods
US7596529B2 (en)	2002-02-13	2009-09-29	First Data Corporation	Buttons for person to person payments
US7219832B2 (en)	2004-06-17	2007-05-22	First Data Corporation	ATM machine and methods with currency conversion capabilities
US8818904B2 (en)	2007-01-17	2014-08-26	The Western Union Company	Generation systems and methods for transaction identifiers having biometric keys associated therewith
US7933835B2 (en)	2007-01-17	2011-04-26	The Western Union Company	Secure money transfer systems and methods using biometric keys associated therewith
US8504473B2 (en)	2007-03-28	2013-08-06	The Western Union Company	Money transfer system and messaging system
US7783571B2 (en)	2007-05-31	2010-08-24	First Data Corporation	ATM system for receiving cash deposits from non-networked clients
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

1997
- 1997-12-01GBGB9725430Apatent/GB2331822B/ennot_activeExpired - Fee Related
- 1997-12-01GBGB0121971Apatent/GB2363664B/ennot_activeExpired - Fee Related
1998
- 1998-11-26WOPCT/GB1998/003537patent/WO1999028872A2/ennot_activeApplication Discontinuation
- 1998-11-26EPEP98955790Apatent/EP1036381A1/ennot_activeWithdrawn
- 1998-11-26AUAU12515/99Apatent/AU742367B2/ennot_activeCeased
2002
- 2002-05-02HKHK02103312.3Apatent/HK1042390B/ennot_activeIP Right Cessation

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

Publication	Publication Date	Title
GB2331822B (en)	2002-04-17	Method and apparatus for money transfers
IL133110A0 (en)	2001-03-19	Method and apparatus for forming structures
EP0809540A4 (en)	1999-04-21	Method and apparatus for making retaining elements
IL136683A0 (en)	2001-06-14	Apparatus and method for blast supression
ZA968033B (en)	1997-04-16	Method and apparatus for photodynamic irratiation
IL127338A0 (en)	1999-10-28	Correlator method and apparatus
GB2300181B (en)	1999-03-31	Web-up apparatus and method
GB2323199B (en)	2000-12-20	Method and apparatus for validating coins
EP1025337A4 (en)	2002-01-02	Method and apparatus for engaging an object
GB9812888D0 (en)	1998-08-12	Apparatus and method for aliging parts
GB2307049B (en)	1998-04-08	Filrtration apparatus and method
GB2358271B (en)	2001-12-12	Coin handling apparatus and method
GB2332637B (en)	2000-03-08	Apparatus and method for processing
GB9722305D0 (en)	1997-12-17	Method and apparatus
AU5790898A (en)	1998-06-22	Improved apparatus and method for gravitational modification
GB2326428B (en)	2000-01-26	Apparatus and method
GB2328057B (en)	2001-05-30	Method and apparatus for performing transactions
GB9827227D0 (en)	1999-02-03	Special effect apparatus and special effect method
GB9705463D0 (en)	1997-05-07	Method and apparatus
HK1032281A (en)	2001-07-13	Method and apparatus for money transfers
GB9802137D0 (en)	1998-04-01	Cleasing apparatus and method
GB9721007D0 (en)	1997-12-03	Apparatus and method for dispensing
GB2319480B (en)	1999-12-15	Apparatus and method for microdermoabrasion
GB9715151D0 (en)	1997-09-24	Method and apparatus
GB9703773D0 (en)	1997-04-16	Method and apparatus

Legal Events

Date	Code	Title	Description
2003-07-16	732E	Amendments to the register in respect of changes of name or changes affecting rights (sect. 32/1977)
2006-08-23	PCNP	Patent ceased through non-payment of renewal fee	Effective date:20051201

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GB2331822B - Method and apparatus for money transfers - Google Patents

Info

Links

Classifications

Landscapes

Priority Applications (6)

Applications Claiming Priority (1)

Publications (4)

Family

ID=10822956

Family Applications (2)

Family Applications After (1)

Country Status (5)

Cited By (1)

Families Citing this family (25)

Citations (3)

Family Cites Families (3)

Patent Citations (3)

Cited By (1)

Also Published As

Similar Documents

Legal Events