WO2005013057A3 - Financial network-based payment card - Google Patents

Financial network-based payment card Download PDF

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Publication number
WO2005013057A3
WO2005013057A3 PCT/US2004/023839 US2004023839W WO2005013057A3 WO 2005013057 A3 WO2005013057 A3 WO 2005013057A3 US 2004023839 W US2004023839 W US 2004023839W WO 2005013057 A3 WO2005013057 A3 WO 2005013057A3
Authority
WO
WIPO (PCT)
Prior art keywords
card
data
application
applicant
financial network
Prior art date
Application number
PCT/US2004/023839
Other languages
French (fr)
Other versions
WO2005013057A2 (en
Inventor
Brigette White
Ronald Levinson
Mohit Sabharwal
Original Assignee
Jp Morgan Chase Bank
Brigette White
Ronald Levinson
Mohit Sabharwal
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 Jp Morgan Chase Bank, Brigette White, Ronald Levinson, Mohit Sabharwal filed Critical Jp Morgan Chase Bank
Publication of WO2005013057A2 publication Critical patent/WO2005013057A2/en
Publication of WO2005013057A3 publication Critical patent/WO2005013057A3/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
    • 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
    • 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
    • G06Q20/102Bill distribution or payments
    • 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
    • G06Q20/30Payment 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
    • G06Q20/355Personalisation of cards for use
    • 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

Abstract

A system and method for issuance of a financial network-based payment card (generally known as a 'credit card') almost instantaneously after application, wherein an applicant applies for a credit card by entering data into a data entry system (112), advantageously by filing in a plurality of predefined forms in a computer-based data entry system. The applicant's data is sent via a data network (114) to a central decision center (124), which approves or disapproves the application. If the application is approved, data is generated and delivered to a card production system (134), which embosses and magnetically encodes a card blank. The card is then delivered to th applicant.
PCT/US2004/023839 2003-07-25 2004-07-23 Financial network-based payment card WO2005013057A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US49033103P 2003-07-25 2003-07-25
US60/490,331 2003-07-25

Publications (2)

Publication Number Publication Date
WO2005013057A2 WO2005013057A2 (en) 2005-02-10
WO2005013057A3 true WO2005013057A3 (en) 2007-08-02

Family

ID=34115384

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/023839 WO2005013057A2 (en) 2003-07-25 2004-07-23 Financial network-based payment card

Country Status (2)

Country Link
US (3) US7668777B2 (en)
WO (1) WO2005013057A2 (en)

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US20090313163A1 (en) * 2004-02-13 2009-12-17 Wang ming-huan Credit line optimization
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US7774248B1 (en) 2004-11-30 2010-08-10 Jp Morgan Chase Bank Method and apparatus for managing risk
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US7668777B2 (en) 2010-02-23
US20100114758A1 (en) 2010-05-06
US8027914B2 (en) 2011-09-27
US20050097036A1 (en) 2005-05-05
US20110288990A1 (en) 2011-11-24

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