WO2011028923A3 - System and method for providing alternate funding source for portable consumer device - Google Patents
System and method for providing alternate funding source for portable consumer device Download PDFInfo
- Publication number
- WO2011028923A3 WO2011028923A3 PCT/US2010/047709 US2010047709W WO2011028923A3 WO 2011028923 A3 WO2011028923 A3 WO 2011028923A3 US 2010047709 W US2010047709 W US 2010047709W WO 2011028923 A3 WO2011028923 A3 WO 2011028923A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- consumer device
- cardholder
- request
- portable consumer
- funding source
- Prior art date
Links
- 238000000034 method Methods 0.000 title abstract 2
- 238000011835 investigation Methods 0.000 abstract 1
Classifications
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment 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"
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- 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
- G06Q30/00—Commerce
- G06Q30/018—Certifying business or products
- G06Q30/0185—Product, service or business identity fraud
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
A system, apparatus, and method for providing a mechanism for loading a prepaid card, such as a payroll card, with funds from a source other than the employer of the cardholder. The invention permits a cardholder to request that their employer provided payroll card (or other form of prepaid card) be charged or loaded with funds from an alternate source of funding. In response to the request, one or more background, credit, or other forms of security checks or investigations may be performed to ensure that accurate data regarding the cardholder is available and that there are no indications that the request might be an attempt to commit a fraudulent act.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US23936309P | 2009-09-02 | 2009-09-02 | |
US61/239,363 | 2009-09-02 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2011028923A2 WO2011028923A2 (en) | 2011-03-10 |
WO2011028923A3 true WO2011028923A3 (en) | 2011-06-03 |
Family
ID=43626275
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2010/047709 WO2011028923A2 (en) | 2009-09-02 | 2010-09-02 | System and method for providing alternate funding source for portable consumer device |
Country Status (2)
Country | Link |
---|---|
US (1) | US8781962B2 (en) |
WO (1) | WO2011028923A2 (en) |
Families Citing this family (10)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8781962B2 (en) | 2009-09-02 | 2014-07-15 | Visa International Service Association | System and method for providing alternate funding source for portable consumer device |
US8650123B2 (en) * | 2011-05-06 | 2014-02-11 | Bank Of America Corporation | Entry level banking products |
US20140279510A1 (en) * | 2013-03-14 | 2014-09-18 | Moneygram International, Inc. | Direct Deposit Money Transfer |
US9679426B1 (en) | 2016-01-04 | 2017-06-13 | Bank Of America Corporation | Malfeasance detection based on identification of device signature |
US10373131B2 (en) | 2016-01-04 | 2019-08-06 | Bank Of America Corporation | Recurring event analyses and data push |
US11032422B1 (en) | 2016-05-12 | 2021-06-08 | State Farm Mutual Automobile Insurance Company | Heuristic sales agent training assistant |
US11544783B1 (en) | 2016-05-12 | 2023-01-03 | State Farm Mutual Automobile Insurance Company | Heuristic credit risk assessment engine |
US10748154B2 (en) * | 2016-12-23 | 2020-08-18 | Early Warning Services, Llc | System and method using multiple profiles and scores for assessing financial transaction risk |
US11019090B1 (en) * | 2018-02-20 | 2021-05-25 | United Services Automobile Association (Usaa) | Systems and methods for detecting fraudulent requests on client accounts |
SG10201803415SA (en) * | 2018-04-24 | 2019-11-28 | Mastercard International Inc | Electronic system and method for funding a prepaid account |
Citations (5)
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KR20010044264A (en) * | 2001-01-30 | 2001-06-05 | 권도균 | Method for operating of prepaid card |
KR20030067036A (en) * | 2002-02-06 | 2003-08-14 | 엘지카드 주식회사 | Charging method and charging system for prepayment card |
KR20040028447A (en) * | 2002-09-30 | 2004-04-03 | 남 길 전 | Per/post payment credit card system and method same |
US20060100927A1 (en) * | 2004-11-10 | 2006-05-11 | Zormati Alexandre S | Prepaid payment card that can be instantly recharged remotely by coupon |
KR20080047074A (en) * | 2006-11-24 | 2008-05-28 | 주식회사 한국스마트카드 | A prepayment card and a charging method of the same |
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USRE36365E (en) | 1993-10-25 | 1999-11-02 | Visa International Service Association | Method and apparatus for distributing currency |
US5477038A (en) | 1993-10-25 | 1995-12-19 | Visa International | Method and apparatus for distributing currency |
US6502745B1 (en) | 1994-06-06 | 2003-01-07 | Call Processing, Inc. | Pre-paid card system and method |
US6181837B1 (en) | 1994-11-18 | 2001-01-30 | The Chase Manhattan Bank, N.A. | Electronic check image storage and retrieval system |
US6044360A (en) | 1996-04-16 | 2000-03-28 | Picciallo; Michael J. | Third party credit card |
US6021943A (en) | 1996-10-09 | 2000-02-08 | Chastain; Robert H. | Process for executing payment transactions |
US5953710A (en) | 1996-10-09 | 1999-09-14 | Fleming; Stephen S. | Children's credit or debit card system |
US5864830A (en) | 1997-02-13 | 1999-01-26 | Armetta; David | Data processing method of configuring and monitoring a satellite spending card linked to a host credit card |
US20010047342A1 (en) | 1997-06-16 | 2001-11-29 | Vincent Cuervo | Credit or debit cards of all kinds to be issued with a bank savings account attched |
US6105009A (en) | 1997-06-16 | 2000-08-15 | Cuervo; Vincent | Automated teller machine dispenser of debit cards |
US5946669A (en) | 1997-09-30 | 1999-08-31 | Lockheed Martin Corporation | Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange |
US7225155B1 (en) | 1997-09-30 | 2007-05-29 | Acs State & Local Solutions, Inc. | Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange |
US5984180A (en) | 1997-10-06 | 1999-11-16 | Albrecht; Jerry L. | Method and system for gift credit card |
US6422462B1 (en) | 1998-03-30 | 2002-07-23 | Morris E. Cohen | Apparatus and methods for improved credit cards and credit card transactions |
US7809642B1 (en) | 1998-06-22 | 2010-10-05 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
US6615189B1 (en) | 1998-06-22 | 2003-09-02 | Bank One, Delaware, National Association | Debit purchasing of stored value card for use by and/or delivery to others |
US6999569B2 (en) | 1998-10-28 | 2006-02-14 | Mastercard International Incorporated | System and method for using a prepaid card |
US6473500B1 (en) | 1998-10-28 | 2002-10-29 | Mastercard International Incorporated | System and method for using a prepaid card |
US7068832B1 (en) | 1999-05-11 | 2006-06-27 | The Chase Manhattan Bank | Lockbox imaging system |
CA2380527A1 (en) | 1999-07-29 | 2001-02-08 | Privacash.Com, Inc. | Method and system for transacting an anonymous purchase over the internet |
US6615190B1 (en) * | 2000-02-09 | 2003-09-02 | Bank One, Delaware, National Association | Sponsor funded stored value card |
AU2001249981A1 (en) * | 2000-02-14 | 2001-08-20 | Stevan P. Vasic | Method of payroll access |
KR100456981B1 (en) | 2001-07-14 | 2004-11-10 | (주) 메드빌 | Composition for preventing or treating osteoporosis comprising plant extracts and method of preparing the same |
US20040111361A1 (en) * | 2002-11-15 | 2004-06-10 | Automatic Data Processing, Inc. | System and method for value delivery |
US7162049B2 (en) * | 2003-01-07 | 2007-01-09 | Britannia Investment Corporation | Ported loudspeaker system and method with reduced air turbulence, bipolar radiation pattern and novel appearance |
US7886969B2 (en) * | 2005-12-06 | 2011-02-15 | Visa U.S.A. Inc. | Method and system for loading and reloading portable consumer devices |
US8165938B2 (en) * | 2007-06-04 | 2012-04-24 | Visa U.S.A. Inc. | Prepaid card fraud and risk management |
US8781962B2 (en) | 2009-09-02 | 2014-07-15 | Visa International Service Association | System and method for providing alternate funding source for portable consumer device |
-
2010
- 2010-03-04 US US12/717,792 patent/US8781962B2/en active Active
- 2010-09-02 WO PCT/US2010/047709 patent/WO2011028923A2/en active Application Filing
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20010044264A (en) * | 2001-01-30 | 2001-06-05 | 권도균 | Method for operating of prepaid card |
KR20030067036A (en) * | 2002-02-06 | 2003-08-14 | 엘지카드 주식회사 | Charging method and charging system for prepayment card |
KR20040028447A (en) * | 2002-09-30 | 2004-04-03 | 남 길 전 | Per/post payment credit card system and method same |
US20060100927A1 (en) * | 2004-11-10 | 2006-05-11 | Zormati Alexandre S | Prepaid payment card that can be instantly recharged remotely by coupon |
KR20080047074A (en) * | 2006-11-24 | 2008-05-28 | 주식회사 한국스마트카드 | A prepayment card and a charging method of the same |
Also Published As
Publication number | Publication date |
---|---|
US8781962B2 (en) | 2014-07-15 |
US20110055081A1 (en) | 2011-03-03 |
WO2011028923A2 (en) | 2011-03-10 |
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