WO1998058345B1 - Third party debit card - Google Patents

Third party debit card

Info

Publication number
WO1998058345B1
WO1998058345B1 PCT/US1998/012361 US9812361W WO9858345B1 WO 1998058345 B1 WO1998058345 B1 WO 1998058345B1 US 9812361 W US9812361 W US 9812361W WO 9858345 B1 WO9858345 B1 WO 9858345B1
Authority
WO
WIPO (PCT)
Prior art keywords
funds
depositor
file
payee
party
Prior art date
Application number
PCT/US1998/012361
Other languages
French (fr)
Other versions
WO1998058345A2 (en
WO1998058345A3 (en
Inventor
Michael J Picciallo
Original Assignee
Michael J Picciallo
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=25368862&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=WO1998058345(B1) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Michael J Picciallo filed Critical Michael J Picciallo
Priority to CA002293321A priority Critical patent/CA2293321A1/en
Priority to EP98930211A priority patent/EP0996921A4/en
Priority to BR9809106-9A priority patent/BR9809106A/en
Publication of WO1998058345A2 publication Critical patent/WO1998058345A2/en
Publication of WO1998058345A3 publication Critical patent/WO1998058345A3/en
Publication of WO1998058345B1 publication Critical patent/WO1998058345B1/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
    • G07F7/10—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
    • 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
    • G06Q20/08—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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • 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
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/355—Personalisation of cards for use
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/405—Establishing or using transaction specific rules

Abstract

A system is described in which an account holder may electronically transfer funds from a preestablished account (30) to a third party recipient (34) and then receive a subsequent accounting of how the money was actually spent. Limits may be set on how the money is spent. Computer-based methods for operating the systems of the present invention are also disclosed.

Claims

AMENDED CLAIMS[received by the International Bureau on 25 March 1999 (25.03.99); original claims 1-45 replaced by new claims 1-28 (10 pages)]
1. A system for transferring funds to third party recipients, characterized by: controller processor for processing data according to command instructions and for creating customer account files, said controller processor having a data storage device associated therewith for storing file records of the amounts of funds deposited for transfer to a third party recipient by a depositor, each file containing a primary file into which the amount of funds deposited for transfer is recorded, and a secondary file into which at least a portion of the deposited funds
Figure imgf000003_0001
be allocated by said controller processor in response to command instructions issued by said depositor; wherein the amount of the funds allocated to said secondary file may be electronically transferred by the controller processor to payees selected by said third party recipients in response to command instructions issued by said third party recipients, and wherein said system further includes a data storage device associated with said controller processor for storing file records of information on each selected payee of funds from said secondary file and the corresponding payment amount; at least one input device for supplying to said controller processor command instructions from said depositor and said third party recipient; and an output device for periodically supplying to said depositor said file record containing information on each selected payee of funds and corresponding payment amounts.
2. The system of claim 1. characteπzed in that said third party command instructions include a command instruction for a cash withdrawal payment to be electronically transferred to said third party.
3 The system of claim 2, characteπzed in that the input devi.ce for said cash withdrawal payment command instruction is an ATM machine to which said cash withdrawal payment is electronically transferred and issued
4 The system of claim 1 , characteπzed m that said payee selected by said third party recipient is a merchant or service provider providing goods or services to said third party recipient, and said third party command instructions include a command instruction for an electronic funds transfer to said payee to pay for said goods and services
5 The system of claim 4, characteπzed m that the mput devj.ce for said third party command instruction is a pomt-of-sale transaction device
6 The system of claim 1. characteπzed in that said controller processor is adapted to process command instructions from said depositor to store in said data storage device associated therewith information designating fund transfer payees for said allocated funds, to inquire into the payee of each electronic fund transfer command instruction issued by said third party recipient to determine whether the payee has been designated by said depositor, and to complete the electronic fund transfer when the payee is designated and funds are a\aιlable
7 The system of claim 6. characterized m that said controller processor is adapted to process command instructions from said depositor to store in said data storage device associated therewith transaction limit information for said designated payees, to inquire into each electronic fund transfer command instruction issued by said third party recipient to determine whether the payee is subject to a transaction limit below the transfer amount requested, to complete the electronic fund transfer when the payee is not subject to a transaction limit below the amount requested, and to discontinue the electronic fund transfer when the payee is subject to a transaction limit below the amount requested
8 The system of claim 1. wherein said pπmary file is a bank or credit account established in advance in the name of said depositor
32
9. A system for transferring funds to third party recipients, characterized by: controller processor for processing data according to command instructions and for creating customer account files, said controller processor having a data storage device associated therewith for storing file records of the amounts of funds deposited for transfer to a third party recipient by a depositor, each file containing a primary file into which the amount of funds deposited for transfer is recorded, and a secondary file into which at least a portion of the amount of the deposited funds may be allocated by said controller processor in response to command instructions issued by said depositor, wherein the amount of the funds allocated to said secondary file may be electronically transferred by said controller processor to payees selected by said third party recipients in response to command instructions issued by said third party recipients, and wherein said system further includes a data storage device associated with said controller processor for storing file records of information on each selected payee of funds from said secondary file and the corresponding payment amount and wherein said controller processor is adapted to process command instructions from said depositor to store in said data storage device associated therewith information designating electronic fund transfer payees for said allocated funds; and at least one input device for supplying to said controller processor command instructions from said depositor and third party recipient; wherein said controller processor is adapted to inquire into the payee of each electronic fund transfer command instruction issued by said third party recipient to determine whether said payee is a designated payee; and to complete said electronic fund transfer when said payee is designated and funds are available.
33
10. The system of claim 9, characterized in that said third party command instructions include a command instruction for a cash withdrawal payment to be electronically transferred to said third party.
11. The system of claim 10, characterized in that the input device for said cash withdrawal payment command instruction is an ATM machine to which said cash withdrawal payment is electronically transferred and issued.
12. The system of claim 9, characterized in that said payee selected by said third party recipient is a merchant or service provider providing goods or services to said third party recipient, and said third party command instructions include a command instruction for an electronic funds transfer to said payee to pay for said goods and services.
13. The system of claim 12, characterized in that the input device for said third paπy command instruction is a point-of-sale transaction device.
14. The system of claim 9, characterized in that said customer account file is a bank or credit account established in advance in the name of said depositor.
15. The system of claim 9, characterized in that said controller processor is adapted to process command instructions from said depositor to store in said data storage device associated therewith transaction limit information for said designated payees, to inquire into each electronic fund transfer command instruction issued by said third party recipient to determine whether the payee is subject to a transaction limit below the transfer amount requested, to complete the electronic fund transfer when the payee is not subject to a transaction limit below the amount requested, and to discontinue the electronic fund transfer when the payee is subject to a transaction limit below the amount requested.
16. A system for allocating funds for use by customers, characterized by: controller processor for processing data according to command instructions and for creating customer account files, said controller processor having a data storage device associated therewith for storing file records of the amounts of funds deposited for said customers,
34 wherein said funds may be electronically transferred by said controller processor to payees selected by said customers in response to command instructions issued by said customers, and wherein said system further includes a data storage device associated with said controller processor for storing file records and of information on each selected payee of funds and the corresponding payment amount and wherein said controller processor is adapted to process command instructions to store in said data storage device associated therewith information for each customer allocating the amount of funds that may be spent on particular classes of goods and services; at least one input device for supplying to said controller processor command instructions from customers; wherein said controller processor is adapted to inquire into each electronic fund transfer command instruction issued by said customers to determine whether available funds have been allocated to said payee, to complete said electronic fund transfer when said funds are available, and to discontinue said electronic fund transfer when said funds are not available.
17. A computer-based method for transferring funds to third party recipients, characterized by: creating a customer account file including a primary file containing a records of funds deposited for transfer to a third party recipient by a depositor; establishing a secondary file in said customer account file in response to command instructions from said depositor; designating a third party recipient permitted access to said secondary file in response to command instructions from said depositor;
35 transferring to said secondary file in response to command instructions from said depositor at least a portion of the record of funds contained in said primary file representing deposited funds accessible to said third party recipient; storing a file record of information on every electronic fund transfer executed by said third party recipient from said secondary file, including information on the transfer payee and the corresponding payment amount; and providing periodically to said depositor an itemized statement generated from said file record of executed electronic fund transfers from said secondary file.
18. The method of claim 17, further characterized by: designating in response to command instructions from said depositor payees of funds to be withdrawn by said third party recipient; and verifying whether the payee of each withdrawal from said secondary' file requested by said third party recipient has been designated by the depositor.
19. The method of claim 18, characterized in that said payee designating step comprises the step of designating in response to command instructions from said depositor, payees of funds to be withdrawn by said third party recipient subject to a limit on the amount of funds that may be withdrawn: and said verifying step comprises the step of verifying the payee of each withdrawal from said secondary file requested by said third party recipient to determine whether the payee is subject to a limit in the amount of the transaction, and whether that limit has been exceeded.
20. The method of claim 19, characterized in that said payee subject to limits on amounts of funds that may be withdrawn include said third party recipient.
21. The method of claim 19, characterized in that said limit is a periodic limit.
36
22. The method of claim 18, characterized in that said designated payees include a college bookstore.
23. A computer-based method for transferring funds to third party recipients, characterized by: creating a customer account file including a primary file containing a record of funds deposited for transfer to a third party recipient by a depositor; establishing a secondary file in said customer account file in response to command instructions from said depositor; designating a third party recipient permitted access to said secondary file in response to command instructions from said depositor; transferring to said secondary file in response to command instructions from said depositor at least a portion of the record of funds contained in said primary file representing deposited funds accessible to said third party recipient; designating in response to command instructions from said depositor. payees of funds to be withdrawn by said third party recipient; and verifying whether the payee of each withdrawal has been designated by said depositor.
24. The method of claim 23, characterized in that said payee designating step comprises designating in response to command instructions from said depositor. payees of funds to be withdrawn by said third party recipient subject to a limit on the amount of funds that may be withdrawn; and said verifying step comprises verifying each withdrawal from said secondary file requested by said third party recipient to determine whether the payee is subject to a limit in the amount of the transaction, and whether that limit has been exceeded.
25. The method of claim 24, characterized in that said payee subject to limits on amounts of funds that may be withdrawn include said third party recipient.
26. The method of claim 24, characterized in that said limit is a periodic limit.
37
27. The method of claim 24, characterized in that said designated payees include a college bookstore.
28. A computer-based method for allocating funds for use by customers characterized by: providing a customer account file containing a record of funds deposited for customers; allocating the amount of funds that may be spent on particular classes of goods and services; and verifying each withdrawal from said customer account file requested by said customers to determine whether available funds have been allocated.
29. The system of claim 7, characterized in that said electronic fund transfer payees that may be subjected to periodic limits include said third party recipient.
30. The system of claim 16, characterized in that said controller processor is adapted to process command instructions allocating funds in said data storage device associated therewith to be spent on college textbooks.
31. A system for transferring funds to third party recipients characterized by: controller processor for processing data according to command instructions and for creating customer account files, said controller processor having a data storage device associated therewith for storing file records of amounts of funds for transfer to third party recipients by a depositor, each file containing a primary file into which the amount of funds for transfer is recorded and a secondary file into which at least a portion of the deposited funds may be allocated by said controller processor in response to command instructions issued by said depositor, wherein funds allocated to said secondary file may be electronically transferred by the controller processor to payees selected by said third party recipients in response to command instructions issued by said third party recipients, and wherein said system further includes a data storage device associated with said controller processor for storing file records of information on each selected payee of funds from said secondary file and the corresponding payment amount; and at least one input device for supplying to said controller processor command instructions from said depositor and said third party recipient;
38 wherein said controller processor is adapted to process command instructions from said depositor transferring allocated funds to said secondary file periodically.
32. The system of claim 31 , characterized in that said controller processor is adapted to process command instructions from said depositor transferring funds to said secondary file weekly or monthly.
33. The system of claim 31 , further characterized by an output device for periodically supplying to said depositor said file record containing information on each selected payee of funds and corresponding payment amounts.
34. The system of claim 31 , characterized in that said controller processor is adapted to process command instructions from said depositor to store in said data storage device associated therewith information designating electronic fund transfer payees for said allocated funds, to inquire into the payee of each electronic fund transfer command instruction issued by said third party recipient to determine whether the payee has been designated by said depositor, and to complete the electronic fund transfer when the payee is designated and funds are available.
35. The system of claim 31, characterized in that said controller processor is adapted to process command instructions from said depositor to store in said data storage device associated therewith transaction limit information for said designated payees, to inquire into each electronic fund transfer instruction issued by said third party recipient to determine whether the payee is subject to a transaction limit below the transfer amount requested, to complete the electronic fund transfer when the payee is not subject to an electronic fund transfer below the amount requested, and to discontinue the electronic fund transfer when the payee is subject to a transaction limit below the amount requested.
36. The system of claim 6, 9 or 35, characterized in that said designated payees include a college bookstore.
37. A computer-based method for transferring funds to third party recipients, characterized by: creating a customer account file including a primary file containing a record of funds for transfer to a third party recipient by a depositor; establishing a secondary file in said customer account file in response to command instructions from said depositor;
39 designating a third party recipient permitted access to said secondary file in response to command instructions from said depositor; and periodically transferring to said secondary file in response to command instructions from said depositor at least a portion of the record of funds contained in said primary file.
38. The method of claim 37, characterized in that said transferring step is performed weekly or monthly.
39. The method of claim 37, further characterized by the step of storing a file record of information on every electronic fund transfer executed by said third party recipient from said secondary file, including information on the transfer payee and the corresponding payment amount; and providing periodically to said depositor an itemized statement generating from said file record of executed electronic transfers from said secondary file.
40. The method of claim 37, further characterized in that the steps of designating in response to command instructions from said depositor, payees of funds to be withdrawn by said third party recipient; and verifying each withdrawal from said secondary file requested by said third party recipient to determine whether the payee has been designated by said depositor.
41. The method of claim 40, characterized in that said payee designating step comprises designating payees of funds subject to a limit on the amount of funds that may be withdrawn; and said verifying step comprises determining whether the payee is subject to a limit in the amount of the transaction and whether that limit has been exceeded.
42. The method of claim 41, characterized in that said payees subject to limits on amounts of funds that may be withdrawn include said third party recipient.
43. The method of claim 40, characterized in that said payees include a college bookstore.
44. The method of claim 40, characterized in that said customer account file is a bank or credit account established in advance in the name of said depositor.
45. The method of claim 28, characterized in that said allocating step comprises allocating the amount of funds that may be spent on college textbooks.
40
STATEMENT UNDER ARTICLE 19
The accompanying amendment revises former claims 1-28 and adds claims 29-45 conform this application to changes made in the parent United States application.
41
PCT/US1998/012361 1997-06-16 1998-06-12 Third party debit card WO1998058345A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CA002293321A CA2293321A1 (en) 1997-06-16 1998-06-12 Third party debit card
EP98930211A EP0996921A4 (en) 1997-06-16 1998-06-12 Third party debit card
BR9809106-9A BR9809106A (en) 1997-06-16 1998-06-12 Third party debit card

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US876,929 1997-06-16
US08/876,929 US6044360A (en) 1996-04-16 1997-06-16 Third party credit card

Publications (3)

Publication Number Publication Date
WO1998058345A2 WO1998058345A2 (en) 1998-12-23
WO1998058345A3 WO1998058345A3 (en) 1999-03-25
WO1998058345B1 true WO1998058345B1 (en) 1999-05-20

Family

ID=25368862

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1998/012361 WO1998058345A2 (en) 1997-06-16 1998-06-12 Third party debit card

Country Status (5)

Country Link
US (3) US6044360A (en)
EP (1) EP0996921A4 (en)
BR (1) BR9809106A (en)
CA (1) CA2293321A1 (en)
WO (1) WO1998058345A2 (en)

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WO1998058345A2 (en) 1998-12-23
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CA2293321A1 (en) 1998-12-23
US20090018956A1 (en) 2009-01-15
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EP0996921A2 (en) 2000-05-03
US6044360A (en) 2000-03-28

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