WO1998012675A2 - Electronic card valet - Google Patents
Electronic card valet Download PDFInfo
- Publication number
- WO1998012675A2 WO1998012675A2 PCT/US1997/016283 US9716283W WO9812675A2 WO 1998012675 A2 WO1998012675 A2 WO 1998012675A2 US 9716283 W US9716283 W US 9716283W WO 9812675 A2 WO9812675 A2 WO 9812675A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- valet
- data
- memory
- balance
- user
- Prior art date
Links
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
- G07F7/10—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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F15/00—Digital computers in general; Data processing equipment in general
- G06F15/02—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators
- G06F15/0208—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators for combination with other devices having a different main function, e.g. watches, pens
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/0013—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
- G06K7/0056—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector
- G06K7/006—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers housing of the card connector the housing being a portable casing
-
- 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
- G06Q20/30—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
- G06Q20/35765—Access rights to memory zones
-
- 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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4093—Monitoring of device authentication
-
- 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
-
- 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
- G07F7/0833—Card having specific functional components
-
- 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
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computing Systems (AREA)
- Computer Hardware Design (AREA)
- General Engineering & Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Artificial Intelligence (AREA)
- Computer Vision & Pattern Recognition (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU44156/97A AU4415697A (en) | 1996-09-17 | 1997-09-16 | Electronic card valet |
EP97942465A EP1023700A2 (en) | 1996-09-17 | 1997-09-16 | Electronic card valet |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US2624796P | 1996-09-17 | 1996-09-17 | |
US60/026,247 | 1996-09-17 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO1998012675A2 true WO1998012675A2 (en) | 1998-03-26 |
WO1998012675A3 WO1998012675A3 (en) | 1998-10-29 |
Family
ID=21830713
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1997/016283 WO1998012675A2 (en) | 1996-09-17 | 1997-09-16 | Electronic card valet |
Country Status (4)
Country | Link |
---|---|
US (1) | US6014648A (en) |
EP (1) | EP1023700A2 (en) |
AU (1) | AU4415697A (en) |
WO (1) | WO1998012675A2 (en) |
Cited By (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO1999063475A1 (en) * | 1998-05-29 | 1999-12-09 | E-Micro Corporation | Wallet consolidator |
EP1120755A1 (en) * | 2000-01-26 | 2001-08-01 | Soren Degnbol Pedersen | Card holder system |
US6418420B1 (en) * | 1998-06-30 | 2002-07-09 | Sun Microsystems, Inc. | Distributed budgeting and accounting system with secure token device access |
WO2004031969A2 (en) * | 2002-10-02 | 2004-04-15 | Discover Financial Services, Inc. | Multi-fonction credit card and case |
GB2406827A (en) * | 2003-10-08 | 2005-04-13 | Afzal Muhammad Khan | A secure two part smart card transaction system |
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 |
Families Citing this family (63)
Publication number | Priority date | Publication date | Assignee | Title |
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US6339765B1 (en) * | 1997-11-13 | 2002-01-15 | At&T Corp. | Method and apparatus for defining private currencies |
US6012049A (en) * | 1998-02-04 | 2000-01-04 | Citicorp Development Center, Inc. | System for performing financial transactions using a smartcard |
EP0949593A2 (en) | 1998-03-30 | 1999-10-13 | Citicorp Development Center | System, method and apparatus for value exchange utilizing value-storing apparatus |
US8108307B1 (en) | 1998-03-30 | 2012-01-31 | Citicorp Development Center, Inc. | System, method and apparatus for value exchange utilizing value-storing applications |
US7889052B2 (en) | 2001-07-10 | 2011-02-15 | Xatra Fund Mx, Llc | Authorizing payment subsequent to RF transactions |
AU1223901A (en) * | 1999-10-20 | 2001-04-30 | Spyrus, Inc. | Method and system for an integrated circuit card interface device with multiple modes of operation |
US8429041B2 (en) * | 2003-05-09 | 2013-04-23 | American Express Travel Related Services Company, Inc. | Systems and methods for managing account information lifecycles |
US8543423B2 (en) * | 2002-07-16 | 2013-09-24 | American Express Travel Related Services Company, Inc. | Method and apparatus for enrolling with multiple transaction environments |
AU2001243473A1 (en) * | 2000-03-07 | 2001-09-17 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
US8121941B2 (en) | 2000-03-07 | 2012-02-21 | American Express Travel Related Services Company, Inc. | System and method for automatic reconciliation of transaction account spend |
US6439457B1 (en) * | 2000-04-14 | 2002-08-27 | Koninklijke Philips Electronics N.V. | Method and system for personalized message storage and retrieval |
WO2002023452A1 (en) * | 2000-09-12 | 2002-03-21 | American Express Travel Related Services Company, Inc. | Microchip-enabled online transaction system |
US20050182699A1 (en) * | 2001-04-30 | 2005-08-18 | Max Jaffe | Partial waiver of copyright pursuant to 37 C.F.R.§ 1.71 |
US7398236B2 (en) * | 2001-04-30 | 2008-07-08 | Max Jaffe | Method and medium for budgeting |
US7725427B2 (en) | 2001-05-25 | 2010-05-25 | Fred Bishop | Recurrent billing maintenance with radio frequency payment devices |
US7542942B2 (en) * | 2001-07-10 | 2009-06-02 | American Express Travel Related Services Company, Inc. | System and method for securing sensitive information during completion of a transaction |
US7287005B1 (en) | 2001-06-29 | 2007-10-23 | Aol Llc, A Delaware Limited Liability Company | Method for supplementing descriptors for online banking transaction statements |
US8960535B2 (en) * | 2001-07-10 | 2015-02-24 | Iii Holdings 1, Llc | Method and system for resource management and evaluation |
US7503480B2 (en) | 2001-07-10 | 2009-03-17 | American Express Travel Related Services Company, Inc. | Method and system for tracking user performance |
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 |
US8284025B2 (en) | 2001-07-10 | 2012-10-09 | Xatra Fund Mx, Llc | Method and system for auditory recognition biometrics on a FOB |
US7705732B2 (en) | 2001-07-10 | 2010-04-27 | Fred Bishop | Authenticating an RF transaction using a transaction counter |
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 |
US8635131B1 (en) | 2001-07-10 | 2014-01-21 | American Express Travel Related Services Company, Inc. | System and method for managing a transaction protocol |
US9031880B2 (en) | 2001-07-10 | 2015-05-12 | Iii Holdings 1, Llc | Systems and methods for non-traditional payment using biometric data |
US7668750B2 (en) * | 2001-07-10 | 2010-02-23 | David S Bonalle | Securing RF transactions using a transactions counter |
US7762457B2 (en) | 2001-07-10 | 2010-07-27 | American Express Travel Related Services Company, Inc. | System and method for dynamic fob synchronization and personalization |
US8548927B2 (en) * | 2001-07-10 | 2013-10-01 | Xatra Fund Mx, Llc | Biometric registration for facilitating an RF transaction |
US7735725B1 (en) | 2001-07-10 | 2010-06-15 | Fred Bishop | Processing an RF transaction using a routing number |
US7360689B2 (en) * | 2001-07-10 | 2008-04-22 | American Express Travel Related Services Company, Inc. | Method and system for proffering multiple biometrics for use with a FOB |
US9454752B2 (en) * | 2001-07-10 | 2016-09-27 | Chartoleaux Kg Limited Liability Company | Reload protocol at a transaction processing entity |
US7805378B2 (en) | 2001-07-10 | 2010-09-28 | American Express Travel Related Servicex Company, Inc. | System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions |
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 |
US9024719B1 (en) | 2001-07-10 | 2015-05-05 | Xatra Fund Mx, Llc | RF transaction system and method for storing user personal data |
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 |
US20090008441A1 (en) * | 2001-07-10 | 2009-01-08 | Xatra Fund Mx, Llc | Tracking rf transaction activity using a transaction device identifier |
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 |
US20040056473A1 (en) * | 2002-09-20 | 2004-03-25 | Anne Hardison | Pocket book insert |
US20040078325A1 (en) * | 2002-10-21 | 2004-04-22 | International Business Machines Corporation | Managing activation/deactivation of transaction accounts enabling temporary use of those accounts |
US7813949B2 (en) * | 2004-03-08 | 2010-10-12 | Sap Ag | Method and system for flexible budgeting in a purchase order system |
US8050956B2 (en) * | 2004-03-08 | 2011-11-01 | Sap Ag | Computer-readable medium, program product, and system for providing a schedule bar with event dates to monitor procurement of a product |
US8027886B2 (en) * | 2004-03-08 | 2011-09-27 | Sap Aktiengesellschaft | Program product for purchase order processing |
US7660742B2 (en) | 2004-03-08 | 2010-02-09 | Sap Aktiengesellschaft | Method of and system for processing purchase orders |
US8050990B2 (en) * | 2004-03-08 | 2011-11-01 | Sap Ag | Method of and system for generating purchase orders using an auction process |
US8423428B2 (en) | 2004-03-08 | 2013-04-16 | Sap Ag | Method for allocation of budget to order periods and delivery periods in a purchase order system |
US7983962B2 (en) * | 2004-03-08 | 2011-07-19 | Sap Aktiengesellschaft | Method and system for purchase order data entry |
US8046273B2 (en) | 2004-03-08 | 2011-10-25 | Sap Ag | System and method for purchase order creation, procurement, and controlling |
US7647250B2 (en) * | 2004-03-08 | 2010-01-12 | Sap Ag | Method and program product for event monitoring |
US7805335B2 (en) * | 2004-03-08 | 2010-09-28 | Sap Ag | Purchase list having status indicators |
US7472827B2 (en) * | 2004-05-17 | 2009-01-06 | American Express Travel Related Services Company, Inc. | Limited use PIN system and method |
US7318550B2 (en) * | 2004-07-01 | 2008-01-15 | American Express Travel Related Services Company, Inc. | Biometric safeguard method for use with a smartcard |
US7870071B2 (en) | 2004-09-08 | 2011-01-11 | American Express Travel Related Services Company, Inc. | Systems, methods, and devices for combined credit card and stored value transaction accounts |
EE00538U1 (en) * | 2004-12-16 | 2005-07-15 | Oja Ian | Accessory for personal electronic device |
US20080163964A1 (en) * | 2007-01-05 | 2008-07-10 | Brannon James K | Protective cover for wallet card and method |
US20090125441A1 (en) * | 2007-11-13 | 2009-05-14 | Cameron Allen Minges | Monetary Account Management |
US9122972B2 (en) * | 2010-02-18 | 2015-09-01 | J.D. Conn, Inc. | Card holder device |
US8870065B2 (en) * | 2010-03-16 | 2014-10-28 | Sherry Brennan | Multi-use electronic card balance reader |
US8715066B2 (en) | 2010-06-14 | 2014-05-06 | Automated Cash Systems, Llc | System and method for electronic fund transfers for use with gaming systems |
US8875998B2 (en) | 2012-07-23 | 2014-11-04 | Sherry Brennan | Middle class america card |
US20140074704A1 (en) | 2012-09-11 | 2014-03-13 | Cashstar, Inc. | Systems, methods and devices for conducting transactions with electronic passbooks |
CA2796506A1 (en) * | 2012-11-23 | 2014-05-23 | Ibm Canada Limited - Ibm Canada Limitee | Personalized budgets for financial services |
US9830588B2 (en) * | 2013-02-26 | 2017-11-28 | Digimarc Corporation | Methods and arrangements for smartphone payments |
US9311639B2 (en) | 2014-02-11 | 2016-04-12 | Digimarc Corporation | Methods, apparatus and arrangements for device to device communication |
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- 1997-09-16 AU AU44156/97A patent/AU4415697A/en not_active Abandoned
- 1997-09-16 WO PCT/US1997/016283 patent/WO1998012675A2/en not_active Application Discontinuation
- 1997-09-16 EP EP97942465A patent/EP1023700A2/en not_active Withdrawn
- 1997-09-16 US US08/931,792 patent/US6014648A/en not_active Expired - Lifetime
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Cited By (15)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7349885B2 (en) | 1998-05-29 | 2008-03-25 | E-Micro Corporation | Wallet consolidator and related methods of processing a transaction using a wallet consolidator |
US6131811A (en) * | 1998-05-29 | 2000-10-17 | E-Micro Corporation | Wallet consolidator |
US7712658B2 (en) | 1998-05-29 | 2010-05-11 | E-Micro Corporation | Wallet consolidator and related methods of processing a transaction using a wallet consolidator |
US7708198B2 (en) | 1998-05-29 | 2010-05-04 | E-Micro Corporation | Wallet consolidator to facilitate a transaction |
US6402029B1 (en) | 1998-05-29 | 2002-06-11 | E-Micro Corporation | Method and apparatus for combining data for multiple magnetic stripe cards or other sources |
WO1999063475A1 (en) * | 1998-05-29 | 1999-12-09 | E-Micro Corporation | Wallet consolidator |
US6418420B1 (en) * | 1998-06-30 | 2002-07-09 | Sun Microsystems, Inc. | Distributed budgeting and accounting system with secure token device access |
US6707382B2 (en) | 2000-01-26 | 2004-03-16 | Pedersen Soeren Degnbol | Card holder system |
WO2001055977A1 (en) * | 2000-01-26 | 2001-08-02 | Pedersen Soeren Degnbol | Card holder system |
EP1120755A1 (en) * | 2000-01-26 | 2001-08-01 | Soren Degnbol Pedersen | Card holder system |
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 |
WO2004031969A3 (en) * | 2002-10-02 | 2004-06-03 | Discover Financial Services In | Multi-fonction credit card and case |
WO2004031969A2 (en) * | 2002-10-02 | 2004-04-15 | Discover Financial Services, Inc. | Multi-fonction credit card and case |
GB2406827A (en) * | 2003-10-08 | 2005-04-13 | Afzal Muhammad Khan | A secure two part smart card transaction system |
GB2406827B (en) * | 2003-10-08 | 2005-09-14 | Afzal Muhammad Khan | A smart card transaction system that provides better security against theft and unauthorised use of payment |
Also Published As
Publication number | Publication date |
---|---|
US6014648A (en) | 2000-01-11 |
EP1023700A2 (en) | 2000-08-02 |
AU4415697A (en) | 1998-04-14 |
WO1998012675A3 (en) | 1998-10-29 |
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