WO1999003057A1 - Multifunction card system - Google Patents
Multifunction card system Download PDFInfo
- Publication number
- WO1999003057A1 WO1999003057A1 PCT/US1998/014403 US9814403W WO9903057A1 WO 1999003057 A1 WO1999003057 A1 WO 1999003057A1 US 9814403 W US9814403 W US 9814403W WO 9903057 A1 WO9903057 A1 WO 9903057A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- card
- identification number
- gift certificate
- electronic gift
- phone
- Prior art date
Links
- 238000012545 processing Methods 0.000 claims abstract description 86
- 230000006870 function Effects 0.000 claims abstract description 18
- 238000004891 communication Methods 0.000 claims abstract description 3
- 238000001994 activation Methods 0.000 claims description 71
- 230000004913 activation Effects 0.000 claims description 70
- 238000000034 method Methods 0.000 claims description 41
- 230000003213 activating effect Effects 0.000 claims description 14
- 230000004044 response Effects 0.000 claims description 4
- 238000013475 authorization Methods 0.000 claims description 2
- 230000005540 biological transmission Effects 0.000 claims description 2
- 241000269627 Amphiuma means Species 0.000 claims 3
- 230000003247 decreasing effect Effects 0.000 claims 3
- 238000007726 management method Methods 0.000 claims 2
- 241000764238 Isis Species 0.000 claims 1
- 238000013461 design Methods 0.000 claims 1
- 230000007774 longterm Effects 0.000 claims 1
- 230000001360 synchronised effect Effects 0.000 claims 1
- 238000010200 validation analysis Methods 0.000 claims 1
- 238000012546 transfer Methods 0.000 description 6
- 238000010586 diagram Methods 0.000 description 2
- 230000008569 process Effects 0.000 description 2
- 230000001737 promoting effect Effects 0.000 description 2
- 241001155430 Centrarchus Species 0.000 description 1
- 241001155433 Centrarchus macropterus Species 0.000 description 1
- 238000013479 data entry Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000035755 proliferation Effects 0.000 description 1
- 230000008672 reprogramming Effects 0.000 description 1
- 235000012222 talc Nutrition 0.000 description 1
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
- G07F7/0866—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 by active credit-cards adapted therefor
-
- 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
- G06Q20/3576—Multiple memory zones on card
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- 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
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Computer Networks & Wireless Communication (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
Description
Claims
Priority Applications (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CA002295667A CA2295667A1 (en) | 1997-07-10 | 1998-07-10 | Multifunction card system |
JP2000502473A JP2001514402A (en) | 1997-07-10 | 1998-07-10 | Multi-function card system |
EP98934439A EP0993646A4 (en) | 1997-07-10 | 1998-07-10 | Multifunction card system |
BR9815547-4A BR9815547A (en) | 1997-07-10 | 1998-07-10 | Multifunction card system |
AU83955/98A AU735350B2 (en) | 1997-07-10 | 1998-07-10 | Multifunction card system |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/891,261 US6000608A (en) | 1997-07-10 | 1997-07-10 | Multifunction card system |
US08/891,261 | 1997-07-10 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO1999003057A1 true WO1999003057A1 (en) | 1999-01-21 |
Family
ID=25397871
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1998/014403 WO1999003057A1 (en) | 1997-07-10 | 1998-07-10 | Multifunction card system |
Country Status (7)
Country | Link |
---|---|
US (2) | US6000608A (en) |
EP (1) | EP0993646A4 (en) |
JP (1) | JP2001514402A (en) |
AU (1) | AU735350B2 (en) |
BR (1) | BR9815547A (en) |
CA (1) | CA2295667A1 (en) |
WO (1) | WO1999003057A1 (en) |
Cited By (39)
Publication number | Priority date | Publication date | Assignee | Title |
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GB2351827A (en) * | 1999-05-06 | 2001-01-10 | Ncr Int Inc | Loyalty schemes |
WO2001003079A1 (en) * | 1999-07-06 | 2001-01-11 | Amdahl Corporation | Pooled resource e-value multiple provider systems |
WO2002013134A2 (en) * | 2000-08-04 | 2002-02-14 | Medmicrochip, Lc | A smart card for and method of executing transactions |
EP1204940A1 (en) * | 1999-07-29 | 2002-05-15 | Privacash.com, Inc. | Method and system for transacting an anoymous purchase over the internet |
US6404866B1 (en) * | 1999-11-09 | 2002-06-11 | Vesta Corporation | Telephone calling account system and method |
US6529593B2 (en) | 2000-12-21 | 2003-03-04 | At&T Wireless Services, Inc. | Prepaid phone service for both wired and wireless telecommunication devices |
US7668750B2 (en) | 2001-07-10 | 2010-02-23 | David S Bonalle | Securing RF transactions using a transactions counter |
US7705732B2 (en) | 2001-07-10 | 2010-04-27 | Fred Bishop | Authenticating an RF transaction using a transaction counter |
US7739191B2 (en) | 1999-10-18 | 2010-06-15 | Sutton David B | Method and system for transacting a purchase using a credit card from the seller |
US7746215B1 (en) | 2001-07-10 | 2010-06-29 | Fred Bishop | RF transactions using a wireless reader grid |
US7762457B2 (en) | 2001-07-10 | 2010-07-27 | American Express Travel Related Services Company, Inc. | System and method for dynamic fob synchronization and personalization |
US7768379B2 (en) | 2001-07-10 | 2010-08-03 | American Express Travel Related Services Company, Inc. | Method and system for a travel-related multi-function fob |
US7827106B2 (en) | 2001-07-10 | 2010-11-02 | American Express Travel Related Services Company, Inc. | System and method for manufacturing a punch-out RFID transaction device |
US7835960B2 (en) | 2000-03-07 | 2010-11-16 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
US7925535B2 (en) | 2001-07-10 | 2011-04-12 | American Express Travel Related Services Company, Inc. | System and method for securing RF transactions using a radio frequency identification device including a random number generator |
US7996324B2 (en) | 2001-07-10 | 2011-08-09 | American Express Travel Related Services Company, Inc. | Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia |
EP2363838A1 (en) | 2010-03-01 | 2011-09-07 | Prepaytrans Gestion Empresarial, S.L. | Telemetry payment system by means of multifunction card |
USRE43157E1 (en) | 2002-09-12 | 2012-02-07 | Xatra Fund Mx, Llc | System and method for reassociating an account number to another transaction account |
USRE43460E1 (en) | 2000-01-21 | 2012-06-12 | Xatra Fund Mx, Llc | Public/private dual card system and method |
WO2012146794A1 (en) | 2011-04-28 | 2012-11-01 | Prepaytrans Gestion Empresarial, S.L. | Telematic payment system using a multifunction card |
US8429041B2 (en) | 2003-05-09 | 2013-04-23 | American Express Travel Related Services Company, Inc. | Systems and methods for managing account information lifecycles |
US8538863B1 (en) | 2001-07-10 | 2013-09-17 | American Express Travel Related Services Company, Inc. | System and method for facilitating a transaction using a revolving use account associated with a primary account |
US8543423B2 (en) | 2002-07-16 | 2013-09-24 | American Express Travel Related Services Company, Inc. | Method and apparatus for enrolling with multiple transaction environments |
US8548927B2 (en) | 2001-07-10 | 2013-10-01 | Xatra Fund Mx, Llc | Biometric registration for facilitating an RF transaction |
US8635131B1 (en) | 2001-07-10 | 2014-01-21 | American Express Travel Related Services Company, Inc. | System and method for managing a transaction protocol |
US8872619B2 (en) | 2001-07-10 | 2014-10-28 | Xatra Fund Mx, Llc | Securing a transaction between a transponder and a reader |
US8960535B2 (en) | 2001-07-10 | 2015-02-24 | Iii Holdings 1, Llc | Method and system for resource management and evaluation |
US9024719B1 (en) | 2001-07-10 | 2015-05-05 | Xatra Fund Mx, Llc | RF transaction system and method for storing user personal data |
US9031880B2 (en) | 2001-07-10 | 2015-05-12 | Iii Holdings 1, Llc | Systems and methods for non-traditional payment using biometric data |
NL1040537C2 (en) * | 2013-12-10 | 2015-06-11 | Wilhelmus Johannes Boks | AVAILABILITY OF MEDICAL AND PERSONAL INFORMATION. |
USRE45615E1 (en) | 2001-07-10 | 2015-07-14 | Xatra Fund Mx, Llc | RF transaction device |
US9275325B2 (en) | 2014-03-07 | 2016-03-01 | Starbucks Corporation | Dual-function card with key card functionality and stored value card functionality |
US9336634B2 (en) | 2001-07-10 | 2016-05-10 | Chartoleaux Kg Limited Liability Company | Hand geometry biometrics on a payment device |
US9454752B2 (en) | 2001-07-10 | 2016-09-27 | Chartoleaux Kg Limited Liability Company | Reload protocol at a transaction processing entity |
US9881294B2 (en) | 2001-07-10 | 2018-01-30 | Chartoleaux Kg Limited Liability Company | RF payment via a mobile device |
US9930987B2 (en) | 2013-11-20 | 2018-04-03 | Starbucks Corporation | Apparatuses, systems, and methods for brewing a beverage |
US10314426B2 (en) | 2011-11-23 | 2019-06-11 | Starbucks Corporation | Apparatus, systems, and methods for brewing a beverage |
US10552859B2 (en) | 2015-05-06 | 2020-02-04 | Obsidian Networks, Inc. | Systems, methods, and apparatuses for tender steering |
US10839388B2 (en) | 2001-07-10 | 2020-11-17 | Liberty Peak Ventures, Llc | Funding a radio frequency device transaction |
Families Citing this family (515)
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US7925531B1 (en) | 1995-11-13 | 2011-04-12 | TrialCard Incorporated | Method of delivering goods and services via media |
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US6000608A (en) * | 1997-07-10 | 1999-12-14 | Dorf; Robert E. | Multifunction card system |
US7403922B1 (en) | 1997-07-28 | 2008-07-22 | Cybersource Corporation | Method and apparatus for evaluating fraud risk in an electronic commerce transaction |
US7096192B1 (en) | 1997-07-28 | 2006-08-22 | Cybersource Corporation | Method and system for detecting fraud in a credit card transaction over a computer network |
EP0921487A3 (en) * | 1997-12-08 | 2000-07-26 | Nippon Telegraph and Telephone Corporation | Method and system for billing on the internet |
US6450407B1 (en) | 1998-04-17 | 2002-09-17 | Viztec, Inc. | Chip card rebate system |
GB9811071D0 (en) * | 1998-05-23 | 1998-07-22 | Ncr Int Inc | Automated teller machine |
US6938821B2 (en) * | 2000-09-18 | 2005-09-06 | E-Micro Corporation | Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources |
US7083087B1 (en) | 2000-09-18 | 2006-08-01 | E-Micro Corporation | Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources |
US7357312B2 (en) * | 1998-05-29 | 2008-04-15 | Gangi Frank J | System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods |
US6131811A (en) * | 1998-05-29 | 2000-10-17 | E-Micro Corporation | Wallet consolidator |
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 |
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 |
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Also Published As
Publication number | Publication date |
---|---|
AU735350B2 (en) | 2001-07-05 |
BR9815547A (en) | 2004-06-22 |
CA2295667A1 (en) | 1999-01-21 |
US6000608A (en) | 1999-12-14 |
JP2001514402A (en) | 2001-09-11 |
US6189787B1 (en) | 2001-02-20 |
EP0993646A1 (en) | 2000-04-19 |
EP0993646A4 (en) | 2004-10-13 |
AU8395598A (en) | 1999-02-08 |
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