WO1998026376A3 - Postpaid traveler's checks - Google Patents

Postpaid traveler's checks Download PDF

Info

Publication number
WO1998026376A3
WO1998026376A3 PCT/US1997/022564 US9722564W WO9826376A3 WO 1998026376 A3 WO1998026376 A3 WO 1998026376A3 US 9722564 W US9722564 W US 9722564W WO 9826376 A3 WO9826376 A3 WO 9826376A3
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
traveler
value
lock
account
Prior art date
Application number
PCT/US1997/022564
Other languages
French (fr)
Other versions
WO1998026376A2 (en
Inventor
Jay S Walker
Scott T Case
Original Assignee
Walker Asset Management L P
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 Walker Asset Management L P filed Critical Walker Asset Management L P
Priority to JP10526898A priority Critical patent/JP2000509860A/en
Priority to AU56926/98A priority patent/AU5692698A/en
Priority to CA002277132A priority patent/CA2277132A1/en
Priority to EP97953120A priority patent/EP1016043A4/en
Publication of WO1998026376A2 publication Critical patent/WO1998026376A2/en
Publication of WO1998026376A3 publication Critical patent/WO1998026376A3/en

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
    • G07F7/0866—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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • 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
    • G06Q20/30—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

Abstract

A quantity of traveler's checks having a total value are sold to a buyer. An account identifier is received from the buyer. A lock is placed against the identified account for a lock value of at least a portion of the total value. The lock value and a credit card account number are communicated to a credit card clearing house (606) and an authorization that a lock equal to the lock value has been placed against the credit card account is then received from the credit card clearing house (612). Information identifying the credit card account of the buyer of each traveler's check, the traveler's check issuer obtains payment on the check. The identifed account is debited. A predetermined value based on the value of the cashed traveler's check is communicated to the credit card clearing house.
PCT/US1997/022564 1996-12-09 1997-12-09 Postpaid traveler's checks WO1998026376A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
JP10526898A JP2000509860A (en) 1996-12-09 1997-12-09 Postpaid Travelers Check
AU56926/98A AU5692698A (en) 1996-12-09 1997-12-09 Postpaid traveler's checks
CA002277132A CA2277132A1 (en) 1996-12-09 1997-12-09 Postpaid traveler's checks
EP97953120A EP1016043A4 (en) 1996-12-09 1997-12-09 Postpaid traveler's checks

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US08/762,128 US5798508A (en) 1996-12-09 1996-12-09 Postpaid traveler's checks
US08/762,128 1996-12-09

Publications (2)

Publication Number Publication Date
WO1998026376A2 WO1998026376A2 (en) 1998-06-18
WO1998026376A3 true WO1998026376A3 (en) 1998-09-03

Family

ID=25064216

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1997/022564 WO1998026376A2 (en) 1996-12-09 1997-12-09 Postpaid traveler's checks

Country Status (6)

Country Link
US (1) US5798508A (en)
EP (1) EP1016043A4 (en)
JP (1) JP2000509860A (en)
AU (1) AU5692698A (en)
CA (1) CA2277132A1 (en)
WO (1) WO1998026376A2 (en)

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Also Published As

Publication number Publication date
CA2277132A1 (en) 1998-06-18
AU5692698A (en) 1998-07-03
US5798508A (en) 1998-08-25
WO1998026376A2 (en) 1998-06-18
EP1016043A2 (en) 2000-07-05
EP1016043A4 (en) 2004-10-06
JP2000509860A (en) 2000-08-02

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