WO2001061662A3 - Accessing information for multiple financial accounts via the internet - Google Patents

Accessing information for multiple financial accounts via the internet Download PDF

Info

Publication number
WO2001061662A3
WO2001061662A3 PCT/US2001/003130 US0103130W WO0161662A3 WO 2001061662 A3 WO2001061662 A3 WO 2001061662A3 US 0103130 W US0103130 W US 0103130W WO 0161662 A3 WO0161662 A3 WO 0161662A3
Authority
WO
WIPO (PCT)
Prior art keywords
internet
atm
computing system
protocol message
accounts
Prior art date
Application number
PCT/US2001/003130
Other languages
French (fr)
Other versions
WO2001061662A2 (en
Inventor
Michael Carleton
Guido Belcic
Jimmy Hallac
Peter Heydon
Original Assignee
Bpass Inc
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 Bpass Inc filed Critical Bpass Inc
Priority to AU2001231260A priority Critical patent/AU2001231260A1/en
Publication of WO2001061662A2 publication Critical patent/WO2001061662A2/en
Publication of WO2001061662A3 publication Critical patent/WO2001061662A3/en

Links

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; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/229—Hierarchy of users of accounts
    • 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
    • G06Q20/34—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

Abstract

A system and method is described to access ATM enabled financial accounts over the Internet so that banking customers can consolidate account information among various financial institutions, view account balances and transactions, and transfer funds between accounts over the Internet. The system includes a computing system coupled between the Internet and the ATM network. During operation, the computing system is configured to receive a request from the Internet user to access their ATM enabled accounts. The computing system in response generates an ATM protocol message and passes in onto the ATM network. The bank or financial institution that issued the ATM card then processes the ATM protocol message, just like an ordinary ATM protocol message, and sends a reply back to the computing system. The reply is then converted into an Internet protocol message and provided to the user over the Internet.
PCT/US2001/003130 2000-02-14 2001-01-31 Accessing information for multiple financial accounts via the internet WO2001061662A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001231260A AU2001231260A1 (en) 2000-02-14 2001-01-31 Accessing information for multiple financial accounts via the internet

Applications Claiming Priority (10)

Application Number Priority Date Filing Date Title
US18229000P 2000-02-14 2000-02-14
US60/182,290 2000-02-14
US65022000A 2000-08-29 2000-08-29
US65047100A 2000-08-29 2000-08-29
US65222900A 2000-08-29 2000-08-29
US65047200A 2000-08-29 2000-08-29
US09/650,220 2000-08-29
US09/652,229 2000-08-29
US09/650,472 2000-08-29
US09/650,471 2000-08-29

Publications (2)

Publication Number Publication Date
WO2001061662A2 WO2001061662A2 (en) 2001-08-23
WO2001061662A3 true WO2001061662A3 (en) 2002-02-21

Family

ID=27539065

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/003130 WO2001061662A2 (en) 2000-02-14 2001-01-31 Accessing information for multiple financial accounts via the internet

Country Status (2)

Country Link
AU (1) AU2001231260A1 (en)
WO (1) WO2001061662A2 (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2384357A (en) * 2002-01-22 2003-07-23 Ncr Int Inc Self-service terminal for aggregating financial information
GB2387702B (en) * 2002-04-17 2005-06-01 Cellectivity Ltd Method of access control using PIN numbers
WO2011028139A1 (en) * 2009-09-07 2011-03-10 Kiwibank Limited Information exchange system
US20110196790A1 (en) 2010-02-05 2011-08-11 Milne Benjamin P Transaction processing system
US9792636B2 (en) 2011-01-25 2017-10-17 Dwolla, Inc. Social network transaction processing system
US8538806B2 (en) 2011-10-20 2013-09-17 Rawllin International Inc. Systems and methods for establishing transactions utilizing a data store of billing information
US9027109B2 (en) * 2013-02-28 2015-05-05 Citibank, N.A. Methods and systems for accessing account information electronically
CN110738558B (en) * 2018-07-20 2024-03-05 京东科技控股股份有限公司 Information restoration method, device, electronic equipment and computer readable medium

Citations (16)

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EP0438020A2 (en) * 1990-01-17 1991-07-24 International Business Machines Corporation Method and system for automatically controlling the distribution of data objects
EP0532226A2 (en) * 1991-09-13 1993-03-17 AT&T Corp. Speech and control message encryption in cellular radio
US5197147A (en) * 1990-02-05 1993-03-23 Vlsi Technology, Inc. Keycode translation system for producing translated keycode signals responsive to keyboard signals which act as a pointer to keycode translation table
DE4326826A1 (en) * 1993-08-10 1995-02-16 Siemens Ag Procedure and remote control of answering machines
DE19600406A1 (en) * 1995-01-09 1996-07-18 Motorola Inc Generation of encrypted speech messages for digital mobile communications system contg. transcoder
JPH09224023A (en) * 1996-02-15 1997-08-26 Oki Electric Ind Co Ltd Network resource managing system
US5822737A (en) * 1996-02-05 1998-10-13 Ogram; Mark E. Financial transaction system
WO1998047112A1 (en) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Method for electronically vending, distributing, and recharging of pre-paid value, a vending machine and an electronic system for use therein
US5850442A (en) * 1996-03-26 1998-12-15 Entegrity Solutions Corporation Secure world wide electronic commerce over an open network
WO1999023579A1 (en) * 1997-11-05 1999-05-14 Microsoft Corporation Notification scheduling system on a mobile device
JPH11164041A (en) * 1997-11-28 1999-06-18 Ricoh Co Ltd Voice mail server system
US5953504A (en) * 1995-10-10 1999-09-14 Suntek Software Corporation Public accessible terminal capable of opening an account for allowing access to the internet and E-mail by generating ID code and security code for users
US5971272A (en) * 1997-08-19 1999-10-26 At&T Corp. Secured personal identification number
US5974141A (en) * 1995-03-31 1999-10-26 Mitsubishi Corporation Data management system
US5987500A (en) * 1995-11-13 1999-11-16 Pi-Net International, Inc. Value-added network system for enabling real-time, by-directional transactions on a network
US6003019A (en) * 1996-11-29 1999-12-14 Ncr Corporation Multi-transaction service system

Patent Citations (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0438020A2 (en) * 1990-01-17 1991-07-24 International Business Machines Corporation Method and system for automatically controlling the distribution of data objects
US5197147A (en) * 1990-02-05 1993-03-23 Vlsi Technology, Inc. Keycode translation system for producing translated keycode signals responsive to keyboard signals which act as a pointer to keycode translation table
EP0532226A2 (en) * 1991-09-13 1993-03-17 AT&T Corp. Speech and control message encryption in cellular radio
DE4326826A1 (en) * 1993-08-10 1995-02-16 Siemens Ag Procedure and remote control of answering machines
DE19600406A1 (en) * 1995-01-09 1996-07-18 Motorola Inc Generation of encrypted speech messages for digital mobile communications system contg. transcoder
US5974141A (en) * 1995-03-31 1999-10-26 Mitsubishi Corporation Data management system
US5953504A (en) * 1995-10-10 1999-09-14 Suntek Software Corporation Public accessible terminal capable of opening an account for allowing access to the internet and E-mail by generating ID code and security code for users
US5987500A (en) * 1995-11-13 1999-11-16 Pi-Net International, Inc. Value-added network system for enabling real-time, by-directional transactions on a network
US5822737A (en) * 1996-02-05 1998-10-13 Ogram; Mark E. Financial transaction system
JPH09224023A (en) * 1996-02-15 1997-08-26 Oki Electric Ind Co Ltd Network resource managing system
US5850442A (en) * 1996-03-26 1998-12-15 Entegrity Solutions Corporation Secure world wide electronic commerce over an open network
US6003019A (en) * 1996-11-29 1999-12-14 Ncr Corporation Multi-transaction service system
WO1998047112A1 (en) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Method for electronically vending, distributing, and recharging of pre-paid value, a vending machine and an electronic system for use therein
US5971272A (en) * 1997-08-19 1999-10-26 At&T Corp. Secured personal identification number
WO1999023579A1 (en) * 1997-11-05 1999-05-14 Microsoft Corporation Notification scheduling system on a mobile device
JPH11164041A (en) * 1997-11-28 1999-06-18 Ricoh Co Ltd Voice mail server system

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
PATENT ABSTRACTS OF JAPAN vol. 1997, no. 12 25 December 1997 (1997-12-25) *
PATENT ABSTRACTS OF JAPAN vol. 1999, no. 11 30 September 1999 (1999-09-30) *

Also Published As

Publication number Publication date
WO2001061662A2 (en) 2001-08-23
AU2001231260A1 (en) 2001-08-27

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