CA2464354A1 - Subscription-based payment - Google Patents

Subscription-based payment Download PDF

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Publication number
CA2464354A1
CA2464354A1 CA002464354A CA2464354A CA2464354A1 CA 2464354 A1 CA2464354 A1 CA 2464354A1 CA 002464354 A CA002464354 A CA 002464354A CA 2464354 A CA2464354 A CA 2464354A CA 2464354 A1 CA2464354 A1 CA 2464354A1
Authority
CA
Canada
Prior art keywords
payment
payor
time period
stored value
payee
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.)
Granted
Application number
CA002464354A
Other languages
French (fr)
Other versions
CA2464354C (en
Inventor
Susan M. Milberger
Jeff D. Sherrard
Amy M. Dunker
Jackie M. Macfarlane
Eric L. Platte
Susan F. Abrahams
Cheryl L. Neofytides
Aamer Ali Baig
Peter M. Karas
James E. Cowell
James R. Yoder
Matt F. Golub
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.)
First Data Corp
Western Union Co
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of CA2464354A1 publication Critical patent/CA2464354A1/en
Application granted granted Critical
Publication of CA2464354C publication Critical patent/CA2464354C/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

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
    • 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
    • G06Q20/08—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
    • 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
    • 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

Abstract

A method for processing a recurring transfer request from a stored value fund for an online system (see Fig. 1) is disclosed. A handler (160) associated with a payor is determined and money is transferred from that handler to the stored value fund. The payor is informed that a payee accepts payment from the online system. Subscription type information which includes two of a per-request payment cap, a fixed payment amount, a limit on payment per time period, a time period and a limit on the number of payments in the time period. Pay-out instructions are also received and include two of a payor identifier, a payee identifier, a transfer amount, a payment description. The transfer funds are automatically sent from the stored value fund to the payee.
CA002464354A 2001-10-29 2002-10-22 Subscription-based payment Expired - Fee Related CA2464354C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US10/021,292 US7249098B2 (en) 2000-07-11 2001-10-29 Subscription-based payment
US10/021,292 2001-10-29
PCT/US2002/033885 WO2003038551A2 (en) 2001-10-29 2002-10-22 Subscription-based payment

Publications (2)

Publication Number Publication Date
CA2464354A1 true CA2464354A1 (en) 2003-05-08
CA2464354C CA2464354C (en) 2009-06-30

Family

ID=21803401

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002464354A Expired - Fee Related CA2464354C (en) 2001-10-29 2002-10-22 Subscription-based payment

Country Status (4)

Country Link
US (1) US7249098B2 (en)
AU (1) AU2002353859A1 (en)
CA (1) CA2464354C (en)
WO (1) WO2003038551A2 (en)

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Also Published As

Publication number Publication date
WO2003038551A3 (en) 2004-02-12
AU2002353859A1 (en) 2003-05-12
WO2003038551A2 (en) 2003-05-08
US7249098B2 (en) 2007-07-24
CA2464354C (en) 2009-06-30
US20020111908A1 (en) 2002-08-15

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