MA27231A1 - Systeme de carte de debit rechargeable et procede associe - Google Patents

Systeme de carte de debit rechargeable et procede associe

Info

Publication number
MA27231A1
MA27231A1 MA27835A MA27835A MA27231A1 MA 27231 A1 MA27231 A1 MA 27231A1 MA 27835 A MA27835 A MA 27835A MA 27835 A MA27835 A MA 27835A MA 27231 A1 MA27231 A1 MA 27231A1
Authority
MA
Morocco
Prior art keywords
debit
onto
money
real time
debit card
Prior art date
Application number
MA27835A
Other languages
English (en)
Inventor
Rick L Willard
Original Assignee
Wow Technologies 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 Wow Technologies Inc filed Critical Wow Technologies Inc
Publication of MA27231A1 publication Critical patent/MA27231A1/fr

Links

Classifications

    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • 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
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

La présente invention permet à un client de charger de l'argent sur une carte en temps réel à l'aide d'une technologie existante via le réseau de guichets automatiques existant au moyen d'une déclaration à solde débiteur en utilisant un numéro d'identification personnel (ou d'une correction ou redressement de débit utilisant un code de transaction spécifique). L'argent peut ensuite être chargé en temps réel (par exemple en moins de 120 secondes) sur une carte anonyme à valeur stockée, de débit, de guichet automatique, polyvalente ou de transaction privée utilisant un PIN. L'invention prévoit également le chargement de l'argent sur une ou plusieurs cartes avec ou sans les mêmes numéros de compte.
MA27835A 2002-02-23 2004-08-23 Systeme de carte de debit rechargeable et procede associe MA27231A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US35932002P 2002-02-23 2002-02-23
US36762402P 2002-03-25 2002-03-25
US37549302P 2002-04-25 2002-04-25

Publications (1)

Publication Number Publication Date
MA27231A1 true MA27231A1 (fr) 2005-02-01

Family

ID=27767844

Family Applications (1)

Application Number Title Priority Date Filing Date
MA27835A MA27231A1 (fr) 2002-02-23 2004-08-23 Systeme de carte de debit rechargeable et procede associe

Country Status (14)

Country Link
US (1) US20030212796A1 (fr)
EP (1) EP1476825A4 (fr)
JP (1) JP2005518596A (fr)
KR (1) KR20040084917A (fr)
CN (1) CN1639708A (fr)
AU (1) AU2003213560A1 (fr)
CA (1) CA2475599A1 (fr)
CO (1) CO5601053A2 (fr)
CR (1) CR9770A (fr)
IL (1) IL163634A0 (fr)
MA (1) MA27231A1 (fr)
MX (1) MXPA04008138A (fr)
NZ (1) NZ534895A (fr)
WO (1) WO2003073226A2 (fr)

Families Citing this family (47)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8706630B2 (en) 1999-08-19 2014-04-22 E2Interactive, Inc. System and method for securely authorizing and distributing stored-value card data
ES2450923T3 (es) 2001-09-24 2014-03-25 E2Interactive, Inc. D/B/A E2Interactive, Inc. Sistema y método para suministrar servicios de comunicación
DE10241957A1 (de) * 2002-09-10 2004-03-18 Siemens Ag Datenkommunikationssystem, Rechner, sowie Verfahren zur Aktualisierung von auf einem Rechner eines Datenkommunikationsystems gespeicherter Software
US8626642B2 (en) * 2003-08-22 2014-01-07 Compucredit Intellectual Property Holdings Corp. Iii System and method for dynamically managing a financial account
US20040225604A1 (en) * 2003-04-29 2004-11-11 Foss Sheldon H. System for providing a checkless checking account
US7853525B2 (en) * 2003-07-15 2010-12-14 Microsoft Corporation Electronic draft capture
US8156042B2 (en) * 2003-08-29 2012-04-10 Starbucks Corporation Method and apparatus for automatically reloading a stored value card
WO2005048145A1 (fr) * 2003-10-13 2005-05-26 Starbucks Corporation D/B/A Starbucks Coffee Company Carte double
US7387238B2 (en) * 2003-10-14 2008-06-17 Foss Jr Sheldon H Customer enrollment in a stored value card program
US7204412B2 (en) 2003-10-14 2007-04-17 Compucredit Intellectual Property Holdings Corp. Iii Family stored value card program
US20060289621A1 (en) * 2003-10-14 2006-12-28 Compucredit Dynamic fee structuring in a stored valude card program
US7437328B2 (en) * 2003-11-14 2008-10-14 E2Interactive, Inc. Value insertion using bill pay card preassociated with biller
US20070094129A1 (en) * 2003-12-19 2007-04-26 E2Interactive, Inc. D/B/A E2Interactive, Inc. System and method for adding value to a stored-value account using provider specific pin
US7243839B2 (en) 2004-03-12 2007-07-17 American Express Travel Related Services Company, Inc. Systems, methods, and devices for selling transaction instruments
US20160210652A9 (en) * 2004-03-12 2016-07-21 American Express Travel Related Services Company, Inc. Rebate transaction instrument system and method
US7281653B2 (en) 2004-03-12 2007-10-16 American Express Travel Related Services Company, Inc. Transaction instrument inventory management system and method
US7191939B2 (en) * 2004-03-12 2007-03-20 American Express Travel Related Services Company, Inc. Systems, methods, and devices for selling transaction instruments via web-based tool
US20060015402A1 (en) * 2004-06-10 2006-01-19 Graves Phillip C Using multiple PINs for redemption through multiple distribution channels
US20050278216A1 (en) * 2004-06-10 2005-12-15 E2Interactive, Inc. D/B/A E2Interactive, Inc. System and method for distributing an identifier redeemable for a plurality of products
ITMI20050178A1 (it) * 2005-02-09 2006-08-10 Fabio Giovanni Attilio Corioni Sistema e metodo elettronico per ricaricare carte di credito
EP1913516A2 (fr) 2005-07-15 2008-04-23 Gratis Card Inc. Systeme et procede d'execution et de gestion de transactions financieres et de donnees
US7603438B2 (en) * 2005-10-13 2009-10-13 Kabushiki Kaisha Toshiba System and method for assisted entry of database schema data
US7575152B2 (en) * 2005-11-15 2009-08-18 E2Interactive, Inc. Temporary value card method and system
US7886969B2 (en) * 2005-12-06 2011-02-15 Visa U.S.A. Inc. Method and system for loading and reloading portable consumer devices
US8090654B2 (en) 2006-03-17 2012-01-03 Mastercard International Incorporated Techniques for transaction adjustment
FR2901081B1 (fr) * 2006-05-11 2008-07-11 Sagem Monetel Soc Par Actions Procede d'activation d'un terminal
US20080109356A1 (en) * 2006-10-04 2008-05-08 Sutton David B Fraud detection system and method for loading stored value cards
US20080172331A1 (en) * 2007-01-16 2008-07-17 Graves Phillip C Bill Payment Card Method and System
EP2118811A4 (fr) * 2007-02-05 2015-02-18 More Magic Holdings Inc Système et procédés pour que des abonnés itinérants réapprovisionnent des comptes de valeur stockée
US20090063355A1 (en) * 2007-08-31 2009-03-05 Nizam Antoo Method and system using reloadable portable consumer devices
US9098851B2 (en) * 2008-02-14 2015-08-04 Mastercard International Incorporated Method and apparatus for simplifying the handling of complex payment transactions
US20100063903A1 (en) * 2008-03-10 2010-03-11 Thayne Whipple Hierarchically applied rules engine ("hare")
US8341084B2 (en) 2009-06-08 2012-12-25 Mastercard International Incorporated Method, apparatus, and computer program product for topping up prepaid payment cards for offline use
US20110057030A1 (en) * 2009-09-04 2011-03-10 Omesh Persaud Card Including Account Number With Value Amount
US20110073641A1 (en) * 2009-09-28 2011-03-31 Vrahnos Christos E Portable change device
US20110137740A1 (en) 2009-12-04 2011-06-09 Ashmit Bhattacharya Processing value-ascertainable items
US10068287B2 (en) 2010-06-11 2018-09-04 David A. Nelsen Systems and methods to manage and control use of a virtual card
US11978031B2 (en) 2010-12-14 2024-05-07 E2Interactive, Inc. Systems and methods that create a pseudo prescription from transaction data generated during a point of sale purchase at a front of a store
US8447673B1 (en) * 2011-05-23 2013-05-21 SHC Direct, L.L.C. Method and system for efficient funding of gift and reward cards
US8914306B1 (en) * 2013-03-14 2014-12-16 PenChecks, Inc. Systems, methods, and devices for printing debit cards and checks
US10062075B2 (en) 2013-11-04 2018-08-28 E2Interactive, Inc. Systems and methods for using a dual function medical benefits card
CN104637195B (zh) * 2013-11-12 2017-03-15 中国银联股份有限公司 一种ic卡电子现金脱机圈存方法以及系统
US10380564B1 (en) 2013-12-05 2019-08-13 Square, Inc. Merchant performed banking-type transactions
CA2940981C (fr) 2014-03-07 2022-05-03 Jeffrey Brian Newcombe Carte a double fonction avec fonctionnalite de carte cle et fonctionnalite de carte a valeur stockee
US11023873B1 (en) 2017-03-31 2021-06-01 Square, Inc. Resources for peer-to-peer messaging
US10453056B2 (en) * 2017-06-29 2019-10-22 Square, Inc. Secure account creation
PT4136603T (pt) 2020-04-17 2026-05-04 Ready Credit Corp Issuing a virtual value-bearing card associated with only nonpersonally identifying information from a kiosk

Family Cites Families (30)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US36365A (en) * 1862-09-02 Improvement in drain-valves for pumps
US577109A (en) * 1897-02-16 morgan
USRE36365E (en) * 1993-10-25 1999-11-02 Visa International Service Association Method and apparatus for distributing currency
US6502745B1 (en) * 1994-06-06 2003-01-07 Call Processing, Inc. Pre-paid card system and method
US5511114A (en) * 1994-06-06 1996-04-23 Call Processing, Inc. Telephone pre-paid calling card system and method
US5577109A (en) * 1994-06-06 1996-11-19 Call Processing, Inc. Pre-paid card system and method
US6796492B1 (en) * 1995-04-13 2004-09-28 James G. Gatto Electronic fund transfer or transaction system
US5671279A (en) * 1995-11-13 1997-09-23 Netscape Communications Corporation Electronic commerce using a secure courier system
US5991748A (en) * 1996-12-06 1999-11-23 American Express Travel Related Services Company, Inc. Methods and apparatus for regenerating a prepaid transaction account
US6325292B1 (en) * 1997-05-06 2001-12-04 Richard P. Sehr Card system and methods utilizing collector cards
US6000608A (en) * 1997-07-10 1999-12-14 Dorf; Robert E. Multifunction card system
US5903878A (en) * 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
WO2000022494A2 (fr) * 1998-10-13 2000-04-20 Karen Macaluso Systeme et procede de transaction financiere
US6473500B1 (en) * 1998-10-28 2002-10-29 Mastercard International Incorporated System and method for using a prepaid card
MXPA01004945A (es) * 1998-11-17 2003-03-10 Prenet Corp Sistema de pago electronico utilizando cuenta intermediaria.
US6609113B1 (en) * 1999-05-03 2003-08-19 The Chase Manhattan Bank Method and system for processing internet payments using the electronic funds transfer network
US8095463B1 (en) * 1999-08-02 2012-01-10 Openwave Systems Inc. System and method for prepaid account replenishment
US6575361B1 (en) * 1999-08-19 2003-06-10 E-2 Interactive, Inc. System and method for managing stored-value card data
AU2992400A (en) * 1999-10-28 2001-05-08 David B. Gould Prepaid cash equivalent card and system
AU2001236812A1 (en) * 2000-02-09 2001-08-20 Internetcash.Com Method and system for making anonymous electronic payments on the world wide web
US6612487B2 (en) * 2000-02-14 2003-09-02 Mas Inco Corporation Method and system for account activation
WO2001061659A1 (fr) * 2000-02-16 2001-08-23 Mastercard International Incorporated Systeme et procede de conduite d'une transaction electronique avec un serveur portefeuille distant
EP1287501A1 (fr) * 2000-04-17 2003-03-05 Robert Kaplan Procede et appareil pour transferer ou recevoir des donnees par internet de maniere sure
US20040209596A1 (en) * 2000-04-25 2004-10-21 Wong Tony W. System and method for tracking financial transactions and merchandise purchases
US20050038715A1 (en) * 2000-09-25 2005-02-17 Ecardless Bancorp Ltd. Customer processing for purchasing on the internet using verified order information
US7127426B1 (en) * 2000-11-15 2006-10-24 First Data Corporation Reloadable debit card system and method
US6820802B2 (en) * 2001-02-27 2004-11-23 American Express Travel Related Services Company, Inc. Online card activation system and method
US7165052B2 (en) * 2001-03-31 2007-01-16 First Data Corporation Payment service method and system
US6805287B2 (en) * 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US6676017B1 (en) * 2002-11-06 2004-01-13 Smith, Iii Emmitt J. Personal interface device and method

Also Published As

Publication number Publication date
CA2475599A1 (fr) 2003-09-04
KR20040084917A (ko) 2004-10-06
MXPA04008138A (es) 2004-11-26
JP2005518596A (ja) 2005-06-23
NZ534895A (en) 2006-10-27
CO5601053A2 (es) 2006-01-31
US20030212796A1 (en) 2003-11-13
WO2003073226A3 (fr) 2004-06-10
CN1639708A (zh) 2005-07-13
AU2003213560A1 (en) 2003-09-09
WO2003073226A2 (fr) 2003-09-04
EP1476825A4 (fr) 2005-04-13
CR9770A (es) 2008-06-09
EP1476825A2 (fr) 2004-11-17
IL163634A0 (en) 2005-12-18

Similar Documents

Publication Publication Date Title
US20040098336A1 (en) System for effecting orders for payment with identification by means of card data and fingerprint
US7580859B2 (en) Intelligent transaction router and process for handling multi-product point of sale transactions
GB2394107A (en) Method and system for providing financial services
ES2284696T3 (es) Procedimiento y sistema para transmitir una suma de dinero electronica desde una memoria de credito.
WO2003073226A3 (fr) Systeme de carte de debit rechargeable et procede associe
EP1213690A3 (fr) Méthode et système de paiement efficace et sécurisé via un terminal mobile
CA2348009A1 (fr) Systeme et procede d'utilisation d'une carte a prepaiement
WO2005089227A3 (fr) Systeme de carte de services multiples a zones geographiques
AU2087099A (en) System and method for controlling financial transactions over a wireless network
US20140379562A1 (en) Intermediary payment and escrow system and method
WO2003105097A3 (fr) Borne de loterie mobile comprenant des caracteristiques facilitant l'utilisation par des vendeurs de billets deficients visuels
AU2002220939A1 (en) Electronic payment and associated systems
WO2005006111A3 (fr) Procede et systeme pour faciliter la commutation de comptes d'institutions financieres
WO2002059847B1 (fr) Systeme et procede de transfert de paiements en ligne et de gestion d'identites
EP1378845A3 (fr) Milieu stockant l'information d'argent
SE0004820L (sv) Förfarande för att öka säkerheten vid betalning med kredit- och betalkort
EP1406192A4 (fr) Systeme de virement
CA2443106A1 (fr) Procede et systeme permettant de detecter un code de commercant errone utilise pour une transaction par carte de paiement
WO2004099904A3 (fr) Systemes et procedes pour services sur une plate-forme de transactions financieres
EP0829829A3 (fr) Système avec cartes pour collectivement charger un droit d'utilisation pour une somme d'argent prédéterminée et méthode de traitement de la carte
EP1428183B1 (fr) Procede et systeme permettant de valider, en mettant en oeuvre un objet portable d'un utilisateur, une requete aupres d'une entite
Argentieri Mariani et al. Banks' Physical Footprint, Digital Payment Technologies, and Fintech Growth
WO2004031908A3 (fr) Procede et systeme de paiement de personne a personne securise
WO2001099072A3 (fr) Traitement sur de cheques et procede associe
WO2006032944B1 (fr) Application nouvelle du telephone mobile gsm au transfert d’ argent