Owner Visa International Service Association

Inventors Roth, Janet T.; Spielman, Jason; Dominguez, Benedicto H.; Spielman, Terence; Caillon, Pascal Achille; Manessis, Thomas J.; Reno, James Donald

Agent Davies Collison Cave

Pub. Number AU-B-2003228574

PCT Number PCT/US03/11952

PCT Pub. Number WO2003/090027

Priority 60/405,869 23.08.02 US; 10/370,149 19.02.03 US; 60/373,702 17.04.02 US

Filing date 16 April 2003

Wipo publication date 3 November 2003

Acceptance publication date 8 January 2009

G06Q 10/00 (2006.01) Administration, e.g. office automation or reservations

G06F 21/20 (2006.01) Security arrangements for protecting computers or computer systems against unauthorised activity

G06Q 20/00 (2006.01) Payment schemes, architectures or protocols

G06Q 50/00 (2006.01) Systems or methods specially adapted for a specific business sector, e.g. health care, utilities, tourism or legal services

G07F 7/10 (2006.01) Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus - together with a coded signal

G09C 1/00 (2006.01) Apparatus or methods whereby a given sequence of signs, e.g. an intelligible text, is transformed into an unintelligible sequence of signs by transposing the signs or groups of signs or by replacing them by others according to a predetermined system

H04L 29/06 (2006.01) Arrangements, apparatus, circuits or systems, not covered by a single one of groups - characterised by a protocol