WO2002056229B1 - Optical memory card based e-commerce business method - Google Patents
Optical memory card based e-commerce business methodInfo
- Publication number
- WO2002056229B1 WO2002056229B1 PCT/US2001/040992 US0140992W WO02056229B1 WO 2002056229 B1 WO2002056229 B1 WO 2002056229B1 US 0140992 W US0140992 W US 0140992W WO 02056229 B1 WO02056229 B1 WO 02056229B1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- user
- broker
- agency
- information
- transaction
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
Abstract
In a system for reading data encoded on a single, secure, personal, portable database of private information, such as for example an optical memory card (28), a method of interaction between an optical card user (32), a broker and an agency (30) seeking a transaction with the card user (32). The user is provided with a blank optical memory card which he encodes with all of the user's personal transaction information such as credit card numbers. The agency (30) and user (32) are provided with access to a transaction site such as a computer with access to the broker's e-commerce site and/or a kiosk (20). The user is able to use the single, secure medium to conduct many transactions. After inserting the card (28) into a transaction site such as a kiosk (20), the user's identification is verfied using biometric indicia. From the kiosk 820), the user is able to access his or her personalized web site (11) and select the translation, business, personal or governmental, which he or she wishes to conduct. The user selects the encoded information that is needed to conduct the transaction with an agency (30). The information is read and transmitted to a broker who completes the transaction. Here, the agency (30) is not provided with access to the information and the information is not stored in company or network database (15) or on a network. A confirmation that the transaction has been completed is provided to the user (32) and the agency (30) with which the transaction has been conducted. Alternatively, the user (32) may choose to provide the agency (30) with access to the information.
Claims
1. In a system of reading data encoded on a storage medium, a method of controlling information transfer during a transaction between an agency and a user comprising: providing a user with a secure storage medium; recording personal transaction information; verifying the user identification; reading selected portions of the information; transmitting selected information to a broker; and the broker using said transmitted selected information to broker a transaction between said agency and said user without revealing said selected information to said agency wherein said transmitted selected information is destroyed upon conducting said transaction.
2. The method of claim 1 wherein said storage medium is an optical memory card.
3. The method of claim 1 wherein said storage medium is blank .
4. The method of claim 1 further comprises providing a reader/writer and reading selected portions of user information with said reader/writer .
5. The method of claim 4 further comprising inserting said medium into said reader/writer before reading selected portions of user information.
6. The method of claim 1 further defined by conducting more than one transaction with more than one agency using said storage medium.
7. The method of claim 1 further comprising said agency entering into an agreement with said broker wherein said agency agrees to pay to said broker a fee and said broker agrees to broker said transaction between said user and said agency.
8. The method of claim 1 further comprising said agency entering into an agreement with said broker wherein said agency agrees to pay to said broker a fee and said broker agrees to provide said agency with a reader/writer.
9. The method of claim 1 further comprising said broker providing confirmation to said user and said agency indicating that said transaction has been conducted.
10. The method of claim 1 further comprising said broker providing on-line access through a broker's e-commerce site .
11. The method of claim 10 wherein providing on-line access to said broker's e-commerce site is further defined by allowing said agency to set up promotions on said site and to check customers preferences and purchasing history on-line.
12. The method of claim 10 wherein providing on-line access to said broker's e-commerce site is further defined by allowing said user to view said agency's promotions on-line.
13. The method of claim 10 further defined by said broker's e-commerce site providing an administrative database and web page, an agency's database and web page, a user's database and web page and a middle-ware agent. 22
14. The method of claim 13 wherein said user's database includes said user's password, history of transactions and purchasing preferences .
15. The method of claim 1 wherein said data is personal data.
16. The method of claim 1 wherein said data that is read is selected by the user.
17. The method claim 1 wherein transmitting selected information comprises transmitting portions of selected information.
18. The method of claim 1 wherein said data that is transmitted is selected by the user.
19. The method of claim 1 further defined by: the user providing said broker with enrollment information; and the broker providing said user with a password for said medium.
20. The method of claim 19 wherein providing said broker with enrollment information is further defined by downloading said information from a computer to a kiosk.
21. The method of claim 1 wherein said data encoded on said storage medium includes at least two types of personal information.
22. The method of claim 1 further comprising recording biometric data on said medium and comparing said recorded biometric data with biometric data of said user to verify said user identification. 23
23. The method of claim 22 wherein providing biometric data comprises providing a picture of said user.
24. The method of claim 1 further defined by transmitting the data on-line to said broker, said user providing said broker with a digitally signed authorization giving the broker the authority to broker the transaction.
25. The method of claim 24 further defined by storing said digitally signed authorization on said broker's database.
26. The method of claim 24 wherein brokering the transaction includes said broker relaying said user's credit card number to a second agency.
27. The method of claim 1 further defined by storing on the storage medium any transactions conducted by said user.
28. [Cancelled]
29. [Cancelled]
30. [Cancelled]
31. [Cancelled]
32. [Cancelled]
33. [Cancelled] 24
34. A method of controlling information transfer during a transaction between an agency and a user comprising: providing a user with a storage medium encoded with personal information of said user; providing a reader/writer; linking said medium with said reader/writer; verifying said user identification at said reader/writer; selecting at said reader/writer a type of transaction to be conducted with said agency; reading select personal information on said medium necessary to conduct said transaction at said reader/writer; and transmitting said select personal information to conduct said transaction to a broker or to said agency wherein said user decides whether to transmit said select personal information to said broker or to said agency and wherein if said user decides to transmit said select personal information to said broker, said agency does not receive access to said select personal information.
35. The method of claim 34 wherein upon conducting said transaction said transmitted select personal information is destroyed.
36. The method of claim 34 wherein when said user decides to transmit said select personal information to said agency, upon conducting of said transaction said transmitted personal information is destroyed.
37. The method of claim 34 wherein said select transmitted information is temporarily stored with said broker and, upon conducting said transaction, said select transmitted information is destroyed. 25
38. The method of claim 34 wherein upon transmittal to said broker and when required, said broker transmits select personal information to a second agency to conduct said transaction.
39. The method of claim 34 wherein said storage medium is an optical memory card.
40. The method of claim 34 wherein verifying said user identification includes comparing biometric data recorded on said card with biometric data of said user.
41. The method of claim 34 wherein transmitting selected information comprises transmitting portions of said selected information.
42. The method of claim 34 wherein said agency does not receive access to said select personal information, unless required by said agency or unless said data is related to said user preferences.
43. The method of claim 34 wherein if said user decides to transmit said select personal information to said agency, said broker does not receive access to said select personal information.
Priority Applications (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA002415393A CA2415393A1 (en) | 2000-07-19 | 2001-06-13 | Optical memory card based e-commerce business method |
| JP2002556815A JP2004518197A (en) | 2000-07-19 | 2001-06-13 | Optical memory card based e-commerce business method |
| IL15377301A IL153773A0 (en) | 2000-07-19 | 2001-06-13 | Optical memory card based e-commerce business method |
| EP01993148A EP1323110A1 (en) | 2000-07-19 | 2001-06-13 | Optical memory card based e-commerce business method |
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US09/619,028 US7131574B1 (en) | 2000-07-19 | 2000-07-19 | Optical memory card based e-commerce business method |
| US09/619,028 | 2000-07-19 |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| WO2002056229A1 WO2002056229A1 (en) | 2002-07-18 |
| WO2002056229B1 true WO2002056229B1 (en) | 2003-02-20 |
Family
ID=24480152
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/US2001/040992 WO2002056229A1 (en) | 2000-07-19 | 2001-06-13 | Optical memory card based e-commerce business method |
Country Status (6)
| Country | Link |
|---|---|
| US (1) | US7131574B1 (en) |
| EP (1) | EP1323110A1 (en) |
| JP (1) | JP2004518197A (en) |
| CA (1) | CA2415393A1 (en) |
| IL (1) | IL153773A0 (en) |
| WO (1) | WO2002056229A1 (en) |
Families Citing this family (27)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US10586282B2 (en) | 1996-03-25 | 2020-03-10 | Cfph, Llc | System and method for trading based on tournament-style events |
| US6505174B1 (en) | 1996-03-25 | 2003-01-07 | Hsx, Inc. | Computer-implemented securities trading system with a virtual specialist function |
| US7889052B2 (en) | 2001-07-10 | 2011-02-15 | Xatra Fund Mx, Llc | Authorizing payment subsequent to RF transactions |
| WO2002011019A1 (en) | 2000-08-01 | 2002-02-07 | First Usa Bank, N.A. | System and method for transponder-enabled account transactions |
| US7526449B1 (en) * | 2001-04-17 | 2009-04-28 | Jpmorgan Chase Bank N.A. | Optically encoded card and system and method for using |
| US7725427B2 (en) | 2001-05-25 | 2010-05-25 | Fred Bishop | Recurrent billing maintenance with radio frequency payment devices |
| US7705732B2 (en) | 2001-07-10 | 2010-04-27 | Fred Bishop | Authenticating an RF transaction using a transaction counter |
| US8548927B2 (en) | 2001-07-10 | 2013-10-01 | Xatra Fund Mx, Llc | Biometric registration for facilitating an RF transaction |
| US8284025B2 (en) | 2001-07-10 | 2012-10-09 | Xatra Fund Mx, Llc | Method and system for auditory recognition biometrics on a FOB |
| US9454752B2 (en) | 2001-07-10 | 2016-09-27 | Chartoleaux Kg Limited Liability Company | Reload protocol at a transaction processing entity |
| US8001054B1 (en) | 2001-07-10 | 2011-08-16 | American Express Travel Related Services Company, Inc. | System and method for generating an unpredictable number using a seeded algorithm |
| US9024719B1 (en) | 2001-07-10 | 2015-05-05 | Xatra Fund Mx, Llc | RF transaction system and method for storing user personal data |
| US7668750B2 (en) | 2001-07-10 | 2010-02-23 | David S Bonalle | Securing RF transactions using a transactions counter |
| US7735725B1 (en) | 2001-07-10 | 2010-06-15 | Fred Bishop | Processing an RF transaction using a routing number |
| US9031880B2 (en) | 2001-07-10 | 2015-05-12 | Iii Holdings 1, Llc | Systems and methods for non-traditional payment using biometric data |
| US20040236699A1 (en) | 2001-07-10 | 2004-11-25 | American Express Travel Related Services Company, Inc. | Method and system for hand geometry recognition biometrics on a fob |
| US8392301B1 (en) | 2002-03-08 | 2013-03-05 | Jpmorgan Chase Bank, N.A. | Financial system for isolated economic environment |
| 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 |
| US8353763B2 (en) | 2003-03-31 | 2013-01-15 | Cantor Index, Llc | System and method for betting on a participant in a group of events |
| US7641549B2 (en) | 2003-04-11 | 2010-01-05 | Cantor Index Llc | Lottery and auction based tournament entry exchange platform |
| US7698198B2 (en) | 2004-01-16 | 2010-04-13 | Bgc Partners, Inc. | System and method for purchasing a financial instrument indexed to entertainment revenue |
| US7698184B2 (en) * | 2004-01-16 | 2010-04-13 | Bgc Partners, Inc. | System and method for trading a financial instrument indexed to entertainment revenue |
| US7341181B2 (en) * | 2004-07-01 | 2008-03-11 | American Express Travel Related Services Company, Inc. | Method for biometric security using a smartcard |
| US7318550B2 (en) | 2004-07-01 | 2008-01-15 | American Express Travel Related Services Company, Inc. | Biometric safeguard method for use with a smartcard |
| US20070235524A1 (en) * | 2006-04-11 | 2007-10-11 | Little Michael E | Data card management system |
| US9218720B2 (en) | 2007-04-16 | 2015-12-22 | Cfph, Llc | Box office game |
| US20080270301A1 (en) * | 2007-04-27 | 2008-10-30 | American Express Travel Related Services Co., Inc. | Mobile payment system and method |
Family Cites Families (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US4491725A (en) | 1982-09-29 | 1985-01-01 | Pritchard Lawrence E | Medical insurance verification and processing system |
| US5089693A (en) | 1986-12-02 | 1992-02-18 | Drexler Technology Corporation | Reader/writer for arcuately flexed data cards |
| US5421619A (en) | 1993-12-22 | 1995-06-06 | Drexler Technology Corporation | Laser imaged identification card |
| US5590038A (en) * | 1994-06-20 | 1996-12-31 | Pitroda; Satyan G. | Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions |
| US5878141A (en) * | 1995-08-25 | 1999-03-02 | Microsoft Corporation | Computerized purchasing system and method for mediating purchase transactions over an interactive network |
| JPH09231264A (en) * | 1996-02-23 | 1997-09-05 | Hitachi Ltd | On-line shopping support method and system |
| US5815665A (en) * | 1996-04-03 | 1998-09-29 | Microsoft Corporation | System and method for providing trusted brokering services over a distributed network |
| US5878337A (en) | 1996-08-08 | 1999-03-02 | Joao; Raymond Anthony | Transaction security apparatus and method |
| JPH10293721A (en) | 1997-02-19 | 1998-11-04 | Canon Inc | Information recording method capable of preventing fraudulent alteration, information recorder and information recording medium |
| US6101477A (en) * | 1998-01-23 | 2000-08-08 | American Express Travel Related Services Company, Inc. | Methods and apparatus for a travel-related multi-function smartcard |
-
2000
- 2000-07-19 US US09/619,028 patent/US7131574B1/en not_active Expired - Lifetime
-
2001
- 2001-06-13 EP EP01993148A patent/EP1323110A1/en not_active Withdrawn
- 2001-06-13 JP JP2002556815A patent/JP2004518197A/en not_active Withdrawn
- 2001-06-13 IL IL15377301A patent/IL153773A0/en unknown
- 2001-06-13 CA CA002415393A patent/CA2415393A1/en not_active Abandoned
- 2001-06-13 WO PCT/US2001/040992 patent/WO2002056229A1/en active Application Filing
Also Published As
| Publication number | Publication date |
|---|---|
| WO2002056229A1 (en) | 2002-07-18 |
| IL153773A0 (en) | 2003-07-06 |
| US7131574B1 (en) | 2006-11-07 |
| JP2004518197A (en) | 2004-06-17 |
| CA2415393A1 (en) | 2002-07-18 |
| EP1323110A1 (en) | 2003-07-02 |
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