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1. (WO2004031899) ELECTRONIC PAYMENT VALIDATION USING TRANSACTION AUTHORIZATION TOKENS
Latest bibliographic data on file with the International Bureau   

Pub. No.:    WO/2004/031899    International Application No.:    PCT/US2003/030496
Publication Date: 15.04.2004 International Filing Date: 29.09.2003
Chapter 2 Demand Filed:    28.04.2004    
IPC:
G06Q 20/00 (2012.01), G06Q 40/00 (2012.01)
Applicants: SAMPSON, Scott [US/US]; (US)
Inventors: SAMPSON, Scott; (US)
Agent: CHRISTENSEN, Kory; Stoel Rives LLP, One Utah Center, Suite 1100, 201 So. Main Street, Salt Lake City, UT 84111 (US)
Priority Data:
60/415,321 30.09.2002 US
10/382,042 05.03.2003 US
10/671,087 25.09.2003 US
Title (EN) ELECTRONIC PAYMENT VALIDATION USING TRANSACTION AUTHORIZATION TOKENS
(FR) VALIDATION DE PAIEMENT ELECTRONIQUE AU MOYEN DE JETONS D'AUTORISATION DE TRANSACTIONS
Abstract: front page image
(EN)An account holder initiates a transaction by providing a vendor (114) both account information as well as a specific Transaction Authorization Token (TAT) that was previously stored in a Token Log (110). The vendor passes the account information and TAT with the transaction information to an institution (122) responsible for authorizing one or more transactions involving the financial account. That institution determines whether or not to authorize the transaction by consulting the Token Log entry for the given TAT.
(FR)L'invention concerne un titulaire de compte qui lance une transaction en communiquant au vendeur des informations en matière de compte ainsi qu'un jeton d'autorisation de transaction spécifique (TAT) précédemment stocké dans un journal de jetons. Ledit vendeur communique ces informations à une institution chargée d'autoriser au moins une transaction impliquant le compte financier. Ladite institution détermine si elle doit ou non autoriser la transaction en consultant l'entrée du journal de jetons concernant le TAT en question.
Designated States: AE, AG, AL, AM, AT, AU, AZ, BA, BB, BG, BR, BY, BZ, CA, CH, CN, CO, CR, CU, CZ, DE, DK, DM, DZ, EC, EE, ES, FI, GB, GD, GE, GH, GM, HR, HU, ID, IL, IN, IS, JP, KE, KG, KP, KR, KZ, LC, LK, LR, LS, LT, LU, LV, MA, MD, MG, MK, MN, MW, MX, MZ, NO, NZ, OM, PH, PL, PT, RO, RU, SD, SE, SG, SK, SL, TJ, TM, TN, TR, TT, TZ, UA, UG, UZ, VC, VN, YU, ZA, ZM, ZW.
African Regional Intellectual Property Organization (GH, GM, KE, LS, MW, MZ, SD, SL, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM)
European Patent Office (AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HU, IE, IT, LU, MC, NL, PT, RO, SE, SI, SK, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, ML, MR, NE, SN, TD, TG).
Publication Language: English (EN)
Filing Language: English (EN)