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)
  • General Physics & Mathematics (AREA)
  • 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)

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Also Published As

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

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