WO2001084474A3 - Stored electronic value method for smart cards - Google Patents

Stored electronic value method for smart cards Download PDF

Info

Publication number
WO2001084474A3
WO2001084474A3 PCT/US2001/014058 US0114058W WO0184474A3 WO 2001084474 A3 WO2001084474 A3 WO 2001084474A3 US 0114058 W US0114058 W US 0114058W WO 0184474 A3 WO0184474 A3 WO 0184474A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
smart card
value items
vendors
service company
Prior art date
Application number
PCT/US2001/014058
Other languages
French (fr)
Other versions
WO2001084474A2 (en
Inventor
Thomas A Cocotis
Kaenel Tim A Von
Original Assignee
Cma Business Credit Services
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 Cma Business Credit Services filed Critical Cma Business Credit Services
Priority to AU2001257474A priority Critical patent/AU2001257474A1/en
Publication of WO2001084474A2 publication Critical patent/WO2001084474A2/en
Publication of WO2001084474A3 publication Critical patent/WO2001084474A3/en

Links

Classifications

    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/357—Cards having a plurality of specified features

Abstract

A smart card is used within a system for the loading of value items sold by vendors and for the purchase of goods or services from vendor agents. The user of the smart card purchases value items from multiple vendors who identify the transaction by a purchase confirmation number. The user logs onto a centralized transaction service company and submits through a secure channel the confirmation number. The service company then contacts the one or more vendors to obtain the value items electronically. These value items are then transmitted via the secure channel to the user for loading into the user's smart card. The user can then apply the value items at each of a plurality of vendor agents because each of the agents utilizes the same application program for reading and using the data on the smart card. The smart card itself has one universal application program with a data field that is divided into groups for each of the vendors who supply value items to the user. Each time the smart card is used, the value items removed are reported back to the transactional service company for updating the account of the user. Should the smart card be lost, the service company can identify the remaining balance in the card and have remaining value unit items loaded in a replacement card that is provided to the user.
PCT/US2001/014058 2000-05-02 2001-05-01 Stored electronic value method for smart cards WO2001084474A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001257474A AU2001257474A1 (en) 2000-05-02 2001-05-01 Stored electronic value method for smart cards

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US56279500A 2000-05-02 2000-05-02
US09/562,795 2000-05-02

Publications (2)

Publication Number Publication Date
WO2001084474A2 WO2001084474A2 (en) 2001-11-08
WO2001084474A3 true WO2001084474A3 (en) 2002-04-11

Family

ID=24247811

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/014058 WO2001084474A2 (en) 2000-05-02 2001-05-01 Stored electronic value method for smart cards

Country Status (2)

Country Link
AU (1) AU2001257474A1 (en)
WO (1) WO2001084474A2 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9361620B2 (en) 2011-10-14 2016-06-07 Leisure Pass Group Limited Electronic transaction system with entitlement and promotion engines

Families Citing this family (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8010405B1 (en) 2002-07-26 2011-08-30 Visa Usa Inc. Multi-application smart card device software solution for smart cardholder reward selection and redemption
US8015060B2 (en) 2002-09-13 2011-09-06 Visa Usa, Inc. Method and system for managing limited use coupon and coupon prioritization
US8626577B2 (en) 2002-09-13 2014-01-07 Visa U.S.A Network centric loyalty system
US9852437B2 (en) 2002-09-13 2017-12-26 Visa U.S.A. Inc. Opt-in/opt-out in loyalty system
US7827077B2 (en) 2003-05-02 2010-11-02 Visa U.S.A. Inc. Method and apparatus for management of electronic receipts on portable devices
US8554610B1 (en) 2003-08-29 2013-10-08 Visa U.S.A. Inc. Method and system for providing reward status
US7051923B2 (en) 2003-09-12 2006-05-30 Visa U.S.A., Inc. Method and system for providing interactive cardholder rewards image replacement
US8407083B2 (en) 2003-09-30 2013-03-26 Visa U.S.A., Inc. Method and system for managing reward reversal after posting
US8005763B2 (en) 2003-09-30 2011-08-23 Visa U.S.A. Inc. Method and system for providing a distributed adaptive rules based dynamic pricing system
US7653602B2 (en) 2003-11-06 2010-01-26 Visa U.S.A. Inc. Centralized electronic commerce card transactions
US7765128B2 (en) 2004-07-21 2010-07-27 Smart Destinations Inc. Programmable ticketing system
US20110145082A1 (en) 2009-12-16 2011-06-16 Ayman Hammad Merchant alerts incorporating receipt data
US8429048B2 (en) 2009-12-28 2013-04-23 Visa International Service Association System and method for processing payment transaction receipts

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0658862A2 (en) * 1993-12-14 1995-06-21 AT&T Corp. Method and system for mediating transactions that use portable smart cards
US5859419A (en) * 1995-09-28 1999-01-12 Sol H. Wynn Programmable multiple company credit card system
US5902981A (en) * 1996-12-24 1999-05-11 Dethloff; Juergen Method and system for securing and restoring data of a portable chip-card if lost or stolen
EP0949595A2 (en) * 1998-03-30 1999-10-13 Citicorp Development Center, Inc. Method and system for managing applications for a multi-function smartcard
EP0969426A1 (en) * 1998-06-29 2000-01-05 Sun Microsystems, Inc. Multi-venue ticketing using smart cards

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6050494A (en) 1997-06-09 2000-04-18 Samsung Display Devices Co., Ltd. Smart card

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0658862A2 (en) * 1993-12-14 1995-06-21 AT&T Corp. Method and system for mediating transactions that use portable smart cards
US5859419A (en) * 1995-09-28 1999-01-12 Sol H. Wynn Programmable multiple company credit card system
US5902981A (en) * 1996-12-24 1999-05-11 Dethloff; Juergen Method and system for securing and restoring data of a portable chip-card if lost or stolen
EP0949595A2 (en) * 1998-03-30 1999-10-13 Citicorp Development Center, Inc. Method and system for managing applications for a multi-function smartcard
EP0969426A1 (en) * 1998-06-29 2000-01-05 Sun Microsystems, Inc. Multi-venue ticketing using smart cards

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9361620B2 (en) 2011-10-14 2016-06-07 Leisure Pass Group Limited Electronic transaction system with entitlement and promotion engines

Also Published As

Publication number Publication date
WO2001084474A2 (en) 2001-11-08
AU2001257474A1 (en) 2001-11-12

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