WO2009094337A3 - Financial transaction token - Google Patents

Financial transaction token Download PDF

Info

Publication number
WO2009094337A3
WO2009094337A3 PCT/US2009/031456 US2009031456W WO2009094337A3 WO 2009094337 A3 WO2009094337 A3 WO 2009094337A3 US 2009031456 W US2009031456 W US 2009031456W WO 2009094337 A3 WO2009094337 A3 WO 2009094337A3
Authority
WO
WIPO (PCT)
Prior art keywords
card
onboard
item
financial transaction
storage device
Prior art date
Application number
PCT/US2009/031456
Other languages
French (fr)
Other versions
WO2009094337A2 (en
Inventor
Patrick L. Faith
Ayman A. Hammad
Original Assignee
Visa U.S.A. Inc.
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 Visa U.S.A. Inc. filed Critical Visa U.S.A. Inc.
Priority to AU2009206543A priority Critical patent/AU2009206543A1/en
Priority to CA2712510A priority patent/CA2712510A1/en
Priority to EP09703653A priority patent/EP2248093A4/en
Priority to BRPI0906554-7A priority patent/BRPI0906554A2/en
Publication of WO2009094337A2 publication Critical patent/WO2009094337A2/en
Publication of WO2009094337A3 publication Critical patent/WO2009094337A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0701—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management
    • G06K19/0702—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07766—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card comprising at least a second communication arrangement in addition to a first non-contact communication arrangement
    • G06K19/07769—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card comprising at least a second communication arrangement in addition to a first non-contact communication arrangement the further communication means being a galvanic interface, e.g. hybrid or mixed smart cards having a contact and a non-contact interface
    • 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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/347—Passive cards
    • 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
    • G06Q20/352—Contactless payments by cards
    • 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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G07F7/0806—Details of the card

Abstract

There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin- film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.
PCT/US2009/031456 2008-01-22 2009-01-20 Financial transaction token WO2009094337A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
AU2009206543A AU2009206543A1 (en) 2008-01-22 2009-01-20 Financial transaction token
CA2712510A CA2712510A1 (en) 2008-01-22 2009-01-20 Financial transaction token
EP09703653A EP2248093A4 (en) 2008-01-22 2009-01-20 Financial transaction token
BRPI0906554-7A BRPI0906554A2 (en) 2008-01-22 2009-01-20 Financial Transaction Card, and, Financial Transaction Card

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US12/017,593 US7946502B2 (en) 2008-01-22 2008-01-22 Financial transaction token
US12/017,593 2008-01-22

Publications (2)

Publication Number Publication Date
WO2009094337A2 WO2009094337A2 (en) 2009-07-30
WO2009094337A3 true WO2009094337A3 (en) 2009-10-29

Family

ID=40875672

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/031456 WO2009094337A2 (en) 2008-01-22 2009-01-20 Financial transaction token

Country Status (6)

Country Link
US (1) US7946502B2 (en)
EP (1) EP2248093A4 (en)
AU (1) AU2009206543A1 (en)
BR (1) BRPI0906554A2 (en)
CA (1) CA2712510A1 (en)
WO (1) WO2009094337A2 (en)

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US7590589B2 (en) * 2004-09-10 2009-09-15 Hoffberg Steven M Game theoretic prioritization scheme for mobile ad hoc networks permitting hierarchal deference
AU2005332555B2 (en) * 2005-06-03 2011-05-12 Steven Gary O'shea Carrying devices for RF tokens
US8339372B2 (en) * 2009-04-20 2012-12-25 Broadcom Corporation Inductive touch screen with integrated antenna for use in a communication device and methods for use therewith
US20110071924A1 (en) * 2009-09-18 2011-03-24 Pitney Bowes Inc. System and method for processing consumer transactions using a central server and a mobile processor
US8713660B2 (en) * 2011-05-16 2014-04-29 Tec Solutions, Inc. Authentication platform and related method of operation
US8639619B1 (en) 2012-07-13 2014-01-28 Scvngr, Inc. Secure payment method and system
US9818109B2 (en) * 2012-08-16 2017-11-14 Danny Loh User generated autonomous digital token system
US8851370B2 (en) * 2013-01-02 2014-10-07 Jpmorgan Chase Bank, N.A. System and method for secure card with on-board verification
US20140239068A1 (en) * 2013-02-22 2014-08-28 John Chowhan Park Credit card with alterable id/security features
US20140279554A1 (en) * 2013-03-12 2014-09-18 Seth Priebatsch Distributed authenticity verification for consumer payment transactions
US8770478B2 (en) 2013-07-11 2014-07-08 Scvngr, Inc. Payment processing with automatic no-touch mode selection
US9230255B1 (en) * 2014-08-15 2016-01-05 Mastercard International Incorporated Payment card having light-emitting diode indicators coordinated with stored payment applications
US11386404B2 (en) * 2015-02-04 2022-07-12 Ripple Luxembourg S.A. Temporary consensus subnetwork in a distributed network for payment processing
JP6400502B2 (en) * 2015-02-18 2018-10-03 株式会社東芝 Ticket processing device and ticket issuing machine
JP6461670B2 (en) * 2015-03-26 2019-01-30 日本電産サンキョー株式会社 Card reader and card reader control method
US10483771B1 (en) * 2018-10-25 2019-11-19 Capital One Services, Llc Systems and methods for hybrid energy harvesting for transaction cards
US10601232B1 (en) 2018-10-25 2020-03-24 Capital One Services, Llc Systems and methods for hybrid energy harvesting for transaction cards
US11580349B1 (en) * 2021-08-31 2023-02-14 Visa International Service Association Stackable integrated circuit cards

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WO2006105092A2 (en) * 2005-03-26 2006-10-05 Privasys, Inc. Electronic financial transaction cards and methods
US20060287964A1 (en) * 2003-12-17 2006-12-21 Brown Kerry D Contact/contactless and magnetic-stripe data collaboration in a payment card

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US20060287964A1 (en) * 2003-12-17 2006-12-21 Brown Kerry D Contact/contactless and magnetic-stripe data collaboration in a payment card
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Title
See also references of EP2248093A4 *

Also Published As

Publication number Publication date
US20090184167A1 (en) 2009-07-23
CA2712510A1 (en) 2009-07-30
BRPI0906554A2 (en) 2015-07-07
WO2009094337A2 (en) 2009-07-30
US7946502B2 (en) 2011-05-24
AU2009206543A1 (en) 2009-07-30
EP2248093A2 (en) 2010-11-10
EP2248093A4 (en) 2012-10-10

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