WO2009074848A1 - Dispositif financier et sa méthodes d'utilisation - Google Patents

Dispositif financier et sa méthodes d'utilisation Download PDF

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Publication number
WO2009074848A1
WO2009074848A1 PCT/IB2007/055017 IB2007055017W WO2009074848A1 WO 2009074848 A1 WO2009074848 A1 WO 2009074848A1 IB 2007055017 W IB2007055017 W IB 2007055017W WO 2009074848 A1 WO2009074848 A1 WO 2009074848A1
Authority
WO
WIPO (PCT)
Prior art keywords
token
card
account
value
identifier
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/IB2007/055017
Other languages
English (en)
Inventor
Craig Patrick Kilfoil
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
XS INNOVATION HOLDINGS Ltd
Original Assignee
XS INNOVATION HOLDINGS Ltd
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 XS INNOVATION HOLDINGS Ltd filed Critical XS INNOVATION HOLDINGS Ltd
Priority to PCT/IB2007/055017 priority Critical patent/WO2009074848A1/fr
Publication of WO2009074848A1 publication Critical patent/WO2009074848A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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
    • 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 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
    • 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
    • G06Q20/34—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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G06Q20/34—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
    • G06Q20/343—Cards including a counter
    • G06Q20/3433—Cards including a counter the counter having monetary units
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Definitions

  • the invention relates to a financial device, as well as systems and methods for using same.
  • Cash-in card is a prepaid card with a unique identifier that equates to a value in the prepaid card system.
  • Accounts refer to money accounts such as bank accounts, card association or proprietary credit or debit card accounts, accounts with a merchant or a service provider which reflect a monetary value;
  • a financial device for depositing funds into a bank account, a credit card account, a debit card account, a proprietary card account, a merchant account and/or a service provider account, said device being in the form of a pre-paid token having a value which is transferable for the purpose of depositing the funds in the aforementioned account thereby to increase the credit balance of said account.
  • the pre-paid token may be a physical token or a virtual token.
  • the physical token may be a paper voucher, a card-board card, a plastic card such as a credit or debit card. Such a card may be referred to as a Cash-in card.
  • the physical token may be a printout bearing a unique identifier which identifies the token as having a specific value which is deposit-able into an account.
  • the virtual token may be a unique identifier transmitted to a purchaser electronically.
  • the virtual token may be transmitted wirelessly to a mobile communications handset of the purchaser.
  • the transmission may be by SMS (Text), MMS, USSD, IVR, WAP, BluetoothTM, or Wi-Fi, Wi-MAX.
  • the virtual token may be transmitted by e-mail or other similar means to the purchaser.
  • the value of the funds embodied in the token may be related to the cost of the token to the purchaser optionally inclusive or exclusive of a fee.
  • the cost of the token may include the amount of funds to be transferred and a surcharge, commission, taxes, and/or other additional amounts.
  • the invention further provides a method for depositing funds into a bank account, or similar account, using a pre-paid token, said method redeeming the value of the token to effect a deposit of the value thereof into another account.
  • the value of the token may be selected from one or more predetermined amounts.
  • the value of the token may be selectable by the purchaser.
  • the token may be electronically represented or physically manufactured.
  • the invention extends to a system for implementing a value loading method, the system comprising:
  • - a virtual credit and/or debit card issuing system compatible with Visa, MasterCard, American Express, Diners Club, Discover, JCB, Relation Card and/ or China Union Pay (CUP);
  • a money account may include one or more of a bank account, a credit facility, an outstanding balance due, a credit card, a debit card, a proprietary card, and/or an associated account which reflects a balance owned or owed in money.
  • the token may be a pre-paid card.
  • the token may be a re-load card.
  • the value may be scalable.
  • the physical media may be a card having a panel on which the identifier is provided, the identifier being concealed until a covering portion is removed.
  • One typical type of such physical media is a so called airtime scratch card.
  • the physical media may be a print out bearing the identifier, which identifier is printed at a point of sale or an ATM.
  • the physical media may be a SIM card or another type of so called smart card.
  • the system may permit operation of a money account without full documentatrion being required or to visit a bank branch or an agent that accepts deposits.
  • FIG. 1 shows a process diagram of the purchasing and redemption of a card broadly in accordance with the invention.
  • Process flow of Cash-in voucher purchasing and validation (Step 1 - 8)
  • the Depositor pays for the voucher using tender acceptable to the distributor, plus any fee or commission.
  • the Cash-in voucher if not already active, is activated in the Cash-in Card system by the Distributor via a device.
  • the Virtual Card system activates a pre-printed Cash-in Card or provides an
  • the Virtual card system replies to the Distributor device that the Cash-in card is active or delivers an Electronic voucher number and expiry and optionally a CVV (CVC).
  • CVC CVV
  • the Device optionally, confirms a Cash-in Card has been activated if not already active.
  • the Device optionally prints or displays the Electronic Cash-in card details.
  • the Depositor receives the Cash-in Card details.
  • the Depositor that could also be the purchaser of the token, submits the Cash-in card details, the monetary value that the they wish to deposit and optionally the money account details of the account that the depositor wishes to credit, which shall optionally be the account linked to the depositors device / identifier, or optionally the money account of a third party such as a merchant.
  • the Cash-in card details optionally the depositor identifier detail, optionally the device identifier, optionally the money account details of a third party and the monetary value being claimed is presented to the Cash-in card system.
  • the Cash-in system validates the Cash-in card voucher and prepares a credit transaction to the money account of the depositor or optionally the money account of a third party in real-time or after the fact.
  • the Cash-in Virtual card system sends a message to the redemption device confirming receipt of, validation of the cash-in card and the successful processing of the credit to the relevant money account
  • the redemption device provides the depositor with a deposit receipt.
  • money accounts such as bank accounts, card accounts, merchant, and/or service provider accounts without requiring the account holder to deposit money at an institution such as a bank, the banks agent, a merchant, a merchants agent, a service provider or an agent.
  • This embodiment of the invention allows an account holder to purchase a token in the form of a Cash-in card from a distributor of the Cash-in cards, pay for the Cash-in card in cash or using other tender acceptable to the distributor and then at some future point in time, the Cash-in card may be redeemed by the account holder or any other person for the value of the Cash-in card for credit of the money account electronically via multiple possible devices such as but not limited to telephone, cellular phones, a kiosk, an on-line terminal, and off-line terminal, the internet, a point of sale, or ATM, or directly with a merchant that would accept the value of the Cash-in card as a deposit or as a payment or to set off the amount off against an amount due by the account holder.
  • the Cash-in card takes a physical form such as a scratch card used in the prepaid cellular industry, or may be electronically distributed by a terminal such as but not limited to a point-of-sale or ATM device which would print or display the Cash-in card number or identifier, which number or identifier may be referred to as a virtual Cash-in card.
  • the system of the invention as illustrated allows general dealers to distribute Cash-in cards and to sell the Cash-in cards to anyone with no direct relationship what so ever with the money account holder or bank account holders or a bank.
  • An account holder wishing to make a deposit into an account held at an institution would purchase a Cash-in card from the general dealer and pay for it. The account holder would then register one or many institution accounts with the Cash-in card scheme provider.
  • the account holder would electronically present the Cash-in card purchased to the Cash-in card scheme provider that would validate the Cash-in card.
  • the Cash-in card scheme provider when presented a Cash-in card would verify the Cash-in card and, if verified, redeem the value associated to the Cash-in card and credit the account holders account at an institution selected by the account holder (depositor) or of the account held by a third party, such as a service provider, for example a School.
  • the invention thus allows institutions to offer branch-less banking / depositing services in markets where branch infrastructure is not pervasive by taking advantage of general dealers willing to sell Cash-in cards as they do airtime recharge vouchers.
  • the invention would also allow customers to purchase Cash-in cards, to credit an account at the Cash-in card scheme provider, or to use the Cash-in card to purchase goods and services at merchants on the internet , physically or pay bills.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système mettant en oeuvre une méthode de chargement de valeurs. Ce système comprend un jeton à identifiant unique, éventuellement un système d'émission de carte de crédit et/ou de débit virtuelle compatible aves les systèmes de compensation par cartes de crédit, un service de distribution distribuant l'identifiant de jeton via un canal électronique, et/ou un service de distribution assurant la distribution de l'identifiant de jeton sur des supports physiques. Le système valide l'identifiant de jeton et rembourse la valeur, créditant par là même un compte en devises. L'invention concerne également un dispositif à utiliser avec le système et une méthode d'utilisation de ce système pour le dépôt de fonds.
PCT/IB2007/055017 2007-12-11 2007-12-11 Dispositif financier et sa méthodes d'utilisation Ceased WO2009074848A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/IB2007/055017 WO2009074848A1 (fr) 2007-12-11 2007-12-11 Dispositif financier et sa méthodes d'utilisation

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/IB2007/055017 WO2009074848A1 (fr) 2007-12-11 2007-12-11 Dispositif financier et sa méthodes d'utilisation

Publications (1)

Publication Number Publication Date
WO2009074848A1 true WO2009074848A1 (fr) 2009-06-18

Family

ID=39689463

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2007/055017 Ceased WO2009074848A1 (fr) 2007-12-11 2007-12-11 Dispositif financier et sa méthodes d'utilisation

Country Status (1)

Country Link
WO (1) WO2009074848A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10671996B2 (en) 2014-07-11 2020-06-02 The Toronto-Dominion Bank Systems and methods for providing pre-paid multicards

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000025507A1 (fr) * 1998-10-28 2000-05-04 Mastercard International Incorporated Systeme et procede d'utilisation d'une carte a prepaiement
US20030154179A1 (en) * 2002-02-08 2003-08-14 Mercer David E.W. Virtual scratch card system and method
US20050116028A1 (en) * 2003-11-21 2005-06-02 Charles Cohen Financial transaction system and method
EP1684242A1 (fr) * 2005-01-24 2006-07-26 Blinmore Investments Limited Carte informatique prépayée pour transfert de devises

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000025507A1 (fr) * 1998-10-28 2000-05-04 Mastercard International Incorporated Systeme et procede d'utilisation d'une carte a prepaiement
US20030154179A1 (en) * 2002-02-08 2003-08-14 Mercer David E.W. Virtual scratch card system and method
US20050116028A1 (en) * 2003-11-21 2005-06-02 Charles Cohen Financial transaction system and method
EP1684242A1 (fr) * 2005-01-24 2006-07-26 Blinmore Investments Limited Carte informatique prépayée pour transfert de devises

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10671996B2 (en) 2014-07-11 2020-06-02 The Toronto-Dominion Bank Systems and methods for providing pre-paid multicards

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