WO1996036025A3 - Value transfer system - Google Patents

Value transfer system Download PDF

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Publication number
WO1996036025A3
WO1996036025A3 PCT/GB1996/001104 GB9601104W WO9636025A3 WO 1996036025 A3 WO1996036025 A3 WO 1996036025A3 GB 9601104 W GB9601104 W GB 9601104W WO 9636025 A3 WO9636025 A3 WO 9636025A3
Authority
WO
WIPO (PCT)
Prior art keywords
purse
value
class
transfer system
value transfer
Prior art date
Application number
PCT/GB1996/001104
Other languages
French (fr)
Other versions
WO1996036025A2 (en
Inventor
David Barrington Everett
John Viner
Alan Bailey
Original Assignee
Nat Westminster Bank Plc
David Barrington Everett
John Viner
Alan Bailey
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
Priority to EP96913632A priority Critical patent/EP0824740B1/en
Priority to MX9708553A priority patent/MX9708553A/en
Priority to GB9722462A priority patent/GB2314662B/en
Priority to BR9608704-8A priority patent/BR9608704A/en
Priority to KR1019970708016A priority patent/KR100338492B1/en
Priority to DE69620750T priority patent/DE69620750T2/en
Priority to NZ307255A priority patent/NZ307255A/en
Application filed by Nat Westminster Bank Plc, David Barrington Everett, John Viner, Alan Bailey filed Critical Nat Westminster Bank Plc
Priority to EE9700299A priority patent/EE9700299A/en
Priority to JP8533867A priority patent/JPH11504737A/en
Priority to RU97120517A priority patent/RU2142160C1/en
Priority to AT96913632T priority patent/ATE216523T1/en
Priority to SK1510-97A priority patent/SK151097A3/en
Priority to AU56554/96A priority patent/AU702388B2/en
Publication of WO1996036025A2 publication Critical patent/WO1996036025A2/en
Publication of WO1996036025A3 publication Critical patent/WO1996036025A3/en
Priority to IS4600A priority patent/IS4600A/en
Priority to BG102032A priority patent/BG102032A/en
Priority to NO19975156A priority patent/NO317866B1/en
Priority to HK98102262A priority patent/HK1003074A1/en

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/229Hierarchy of users of accounts
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip

Abstract

The invention is concerned with systems for transferring value between electronic purses, usually in the form of IC or 'Smart' cards, via the intermediary of an interface device. In order to control the flow of value between purses a hierarchical class structure is proposed. This is achieved by assigning to each purse a class which controls the conditions under which value may be transferred to an from (mainly from) a purse. Thus each purse stores in memory a representation of its own class, together with a list of those classes to which the purse can transfer value.
PCT/GB1996/001104 1995-05-11 1996-05-09 Value transfer system WO1996036025A2 (en)

Priority Applications (17)

Application Number Priority Date Filing Date Title
AU56554/96A AU702388B2 (en) 1995-05-11 1996-05-09 Value transfer system
GB9722462A GB2314662B (en) 1995-05-11 1996-05-09 Value transfer system
BR9608704-8A BR9608704A (en) 1995-05-11 1996-05-09 Value transfer system
KR1019970708016A KR100338492B1 (en) 1995-05-11 1996-05-09 Value Transfer System
DE69620750T DE69620750T2 (en) 1995-05-11 1996-05-09 VALUE TRANSFER SYSTEM
NZ307255A NZ307255A (en) 1995-05-11 1996-05-09 Hierarchy class system for electronic purses
RU97120517A RU2142160C1 (en) 1995-05-11 1996-05-09 Device for money transfer
EE9700299A EE9700299A (en) 1995-05-11 1996-05-09 Funds transfer system
JP8533867A JPH11504737A (en) 1995-05-11 1996-05-09 Value transfer system
EP96913632A EP0824740B1 (en) 1995-05-11 1996-05-09 Value transfer system
AT96913632T ATE216523T1 (en) 1995-05-11 1996-05-09 VALUE TRANSFER SYSTEM
SK1510-97A SK151097A3 (en) 1995-05-11 1996-05-09 Value transfer system
MX9708553A MX9708553A (en) 1995-05-11 1996-05-09 Value transfer system.
IS4600A IS4600A (en) 1995-05-11 1997-10-28 Valuable transfer system
BG102032A BG102032A (en) 1995-05-11 1997-11-06 Value transfer system
NO19975156A NO317866B1 (en) 1995-05-11 1997-11-10 Value transfer system
HK98102262A HK1003074A1 (en) 1995-05-11 1998-03-18 Value transfer system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GBGB9509582.4A GB9509582D0 (en) 1995-05-11 1995-05-11 Value transfer system
GB9509582.4 1995-05-11

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US09/611,867 Continuation US6439455B1 (en) 1995-05-11 2000-07-07 Value transfer system

Publications (2)

Publication Number Publication Date
WO1996036025A2 WO1996036025A2 (en) 1996-11-14
WO1996036025A3 true WO1996036025A3 (en) 1996-12-12

Family

ID=10774322

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB1996/001104 WO1996036025A2 (en) 1995-05-11 1996-05-09 Value transfer system

Country Status (29)

Country Link
US (1) US6439455B1 (en)
EP (1) EP0824740B1 (en)
JP (1) JPH11504737A (en)
KR (1) KR100338492B1 (en)
CN (1) CN1160672C (en)
AT (1) ATE216523T1 (en)
AU (1) AU702388B2 (en)
BG (1) BG102032A (en)
BR (1) BR9608704A (en)
CA (1) CA2220099A1 (en)
CZ (1) CZ353197A3 (en)
DE (1) DE69620750T2 (en)
EE (1) EE9700299A (en)
ES (1) ES2175090T3 (en)
GB (1) GB9509582D0 (en)
HK (1) HK1003074A1 (en)
HU (1) HUP9802924A3 (en)
IS (1) IS4600A (en)
MX (1) MX9708553A (en)
MY (1) MY126396A (en)
NO (1) NO317866B1 (en)
NZ (1) NZ307255A (en)
PL (1) PL323306A1 (en)
RU (1) RU2142160C1 (en)
SK (1) SK151097A3 (en)
TR (1) TR199701339T1 (en)
TW (1) TW421747B (en)
WO (1) WO1996036025A2 (en)
ZA (1) ZA963691B (en)

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US6038549A (en) * 1997-12-22 2000-03-14 Motorola Inc Portable 1-way wireless financial messaging unit
KR100382181B1 (en) 1997-12-22 2003-05-09 모토로라 인코포레이티드 Single account portable wireless financial messaging unit
US6314519B1 (en) 1997-12-22 2001-11-06 Motorola, Inc. Secure messaging system overlay for a selective call signaling system
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US7239226B2 (en) 2001-07-10 2007-07-03 American Express Travel Related Services Company, Inc. System and method for payment using radio frequency identification in contact and contactless transactions
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
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US7172112B2 (en) 2000-01-21 2007-02-06 American Express Travel Related Services Company, Inc. Public/private dual card system and method
US8543423B2 (en) 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
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US7650314B1 (en) 2001-05-25 2010-01-19 American Express Travel Related Services Company, Inc. System and method for securing a recurrent billing transaction
FR2827058B1 (en) * 2001-07-09 2005-05-27 A S K ELECTRONIC CASH SYSTEM FOR ELECTRONIC COIN PURSE
US7360689B2 (en) 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US7746215B1 (en) 2001-07-10 2010-06-29 Fred Bishop RF transactions using a wireless reader grid
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
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US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US7735725B1 (en) 2001-07-10 2010-06-15 Fred Bishop Processing an RF transaction using a routing number
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US7805378B2 (en) 2001-07-10 2010-09-28 American Express Travel Related Servicex Company, Inc. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
US7303120B2 (en) 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
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WO1983003018A1 (en) * 1982-02-25 1983-09-01 Ericsson Telefon Ab L M A portable device for storing and transferring data
EP0114773A2 (en) * 1983-01-20 1984-08-01 Bull S.A. Method and device for authorizing the holder of a portable object, such as a card, access by means of this card, to at least one service delivered by at least one authorizing organisation
EP0256768A2 (en) * 1986-08-05 1988-02-24 Oki Electric Industry Company, Limited Transaction processing apparatus
EP0360613A2 (en) * 1988-09-22 1990-03-28 Bally Gaming International, Inc. Game machine data transfer system
WO1993010503A1 (en) * 1991-11-15 1993-05-27 Citibank, N.A. Electronic-monetary system
EP0555683A1 (en) * 1992-02-13 1993-08-18 Technitron S.A. System using intelligent cards for the electronic management and control of automatic recreation and games apparatus and of discotheques and games and recreation rooms in general
EP0619565A1 (en) * 1986-09-02 1994-10-12 Pitney Bowes, Inc. Automated transaction system with insertable cards for downloading rate or service program data

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WO1983003018A1 (en) * 1982-02-25 1983-09-01 Ericsson Telefon Ab L M A portable device for storing and transferring data
EP0114773A2 (en) * 1983-01-20 1984-08-01 Bull S.A. Method and device for authorizing the holder of a portable object, such as a card, access by means of this card, to at least one service delivered by at least one authorizing organisation
EP0256768A2 (en) * 1986-08-05 1988-02-24 Oki Electric Industry Company, Limited Transaction processing apparatus
EP0619565A1 (en) * 1986-09-02 1994-10-12 Pitney Bowes, Inc. Automated transaction system with insertable cards for downloading rate or service program data
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Also Published As

Publication number Publication date
NO317866B1 (en) 2004-12-27
JPH11504737A (en) 1999-04-27
HK1003074A1 (en) 1998-10-09
ATE216523T1 (en) 2002-05-15
DE69620750T2 (en) 2002-11-28
CZ353197A3 (en) 1998-05-13
CA2220099A1 (en) 1996-11-14
ES2175090T3 (en) 2002-11-16
RU2142160C1 (en) 1999-11-27
MY126396A (en) 2006-09-29
NO975156L (en) 1997-11-10
US6439455B1 (en) 2002-08-27
CN1189906A (en) 1998-08-05
TW421747B (en) 2001-02-11
EP0824740B1 (en) 2002-04-17
HUP9802924A2 (en) 1999-05-28
WO1996036025A2 (en) 1996-11-14
AU702388B2 (en) 1999-02-18
NZ307255A (en) 1998-04-27
HUP9802924A3 (en) 1999-10-28
BG102032A (en) 1998-05-29
GB9509582D0 (en) 1995-07-05
SK151097A3 (en) 1998-07-08
ZA963691B (en) 1996-11-20
CN1160672C (en) 2004-08-04
PL323306A1 (en) 1998-03-16
TR199701339T1 (en) 1998-02-21
IS4600A (en) 1997-10-28
EP0824740A2 (en) 1998-02-25
BR9608704A (en) 1999-12-07
MX9708553A (en) 1997-12-31
KR19990014675A (en) 1999-02-25
EE9700299A (en) 1998-06-15
AU5655496A (en) 1996-11-29
NO975156D0 (en) 1997-11-10
DE69620750D1 (en) 2002-05-23
KR100338492B1 (en) 2002-10-11

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