WO2000067411A3 - Payment vehicle wherein transactions are anonymous since th cardholder name is fictious - Google Patents

Payment vehicle wherein transactions are anonymous since th cardholder name is fictious Download PDF

Info

Publication number
WO2000067411A3
WO2000067411A3 PCT/US1999/030830 US9930830W WO0067411A3 WO 2000067411 A3 WO2000067411 A3 WO 2000067411A3 US 9930830 W US9930830 W US 9930830W WO 0067411 A3 WO0067411 A3 WO 0067411A3
Authority
WO
WIPO (PCT)
Prior art keywords
financial services
name
cardholder
account
card
Prior art date
Application number
PCT/US1999/030830
Other languages
French (fr)
Other versions
WO2000067411A2 (en
Inventor
Matthew J Gillin
Roger Korfmann
Paul L Raden
Original Assignee
Base Inc C
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
Priority claimed from US09/302,218 external-priority patent/US7254557B1/en
Priority claimed from PCT/US1999/023502 external-priority patent/WO2000028461A1/en
Application filed by Base Inc C filed Critical Base Inc C
Priority to AU22130/00A priority Critical patent/AU2213000A/en
Priority to CA002374311A priority patent/CA2374311A1/en
Publication of WO2000067411A2 publication Critical patent/WO2000067411A2/en
Publication of WO2000067411A3 publication Critical patent/WO2000067411A3/en

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0407—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the identity of one or more communicating identities is hidden
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Abstract

A financial services payment vehicle is disclosed having a database stored on a computer readable media, the database including records associated with a plurality of active financial services card accounts, one of the financial services card account records having a name representing a cardholder for purposes of using the account, the name having a first part selected by the cardholder and a second part selected by a second party unrelated to the cardholder. A financial services method is also disclosed involving selecting a first part of a cardholder name (124) for an account which would appear on a financial services card if a physical card is issued (101), accepting an unrelated entity's selection of a second part of the cardholder name (126) for the account such that a use of the account will result in a provision of the first part in place of a first name and the second part in place of a surname(108). An additional financial services method is disclosed involving a using step for making a purchase with a financial services card, the financial services card including a cardholder name having a first part selected in a first selecting step by an individual in whose name the financial services card is registered, and a second part selected in a second selecting step, the second part identifying an entity other than the individual.
PCT/US1999/030830 1999-04-29 1999-12-27 Payment vehicle wherein transactions are anonymous since th cardholder name is fictious WO2000067411A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU22130/00A AU2213000A (en) 1999-04-29 1999-12-27 Financial services payment vehicle and method
CA002374311A CA2374311A1 (en) 1999-04-29 1999-12-27 Financial services payment vehicle and method

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US09/302,218 1999-04-29
US09/302,218 US7254557B1 (en) 1998-11-09 1999-04-29 Financial services payment vehicle and method
PCT/US1999/023502 WO2000028461A1 (en) 1998-11-09 1999-10-13 Providing a credit card to another person where said person does not have possession of said card
USPCT/US99/23502 1999-10-13

Publications (2)

Publication Number Publication Date
WO2000067411A2 WO2000067411A2 (en) 2000-11-09
WO2000067411A3 true WO2000067411A3 (en) 2007-08-16

Family

ID=26795816

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1999/030830 WO2000067411A2 (en) 1999-04-29 1999-12-27 Payment vehicle wherein transactions are anonymous since th cardholder name is fictious

Country Status (3)

Country Link
AU (1) AU2213000A (en)
CA (1) CA2374311A1 (en)
WO (1) WO2000067411A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7010512B1 (en) 1998-11-09 2006-03-07 C/Base, Inc. Transfer instrument
WO2010135305A1 (en) 2009-05-19 2010-11-25 Mastercard International Incorporated Rewarding healthy behaviors and/or encouraging appropriate purchases with a reward card

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5420926A (en) * 1994-01-05 1995-05-30 At&T Corp. Anonymous credit card transactions
US5864830A (en) * 1997-02-13 1999-01-26 Armetta; David Data processing method of configuring and monitoring a satellite spending card linked to a host credit card
US6044360A (en) * 1996-04-16 2000-03-28 Picciallo; Michael J. Third party credit card

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5420926A (en) * 1994-01-05 1995-05-30 At&T Corp. Anonymous credit card transactions
US6044360A (en) * 1996-04-16 2000-03-28 Picciallo; Michael J. Third party credit card
US5864830A (en) * 1997-02-13 1999-01-26 Armetta; David Data processing method of configuring and monitoring a satellite spending card linked to a host credit card

Non-Patent Citations (8)

* Cited by examiner, † Cited by third party
Title
"Privacyworld Anonymous Credit Card Program", PRIVACYWORLD CORPORATION, pages 1 - 3, XP002927841, Retrieved from the Internet <URL:www.privacyworld.com/master/anoncc.html> [retrieved on 20000419] *
ANONYMOUS: "Anonymous Secured MasterCard Credit Card", pages 1 - 4, XP002927844, Retrieved from the Internet <URL:www.offshore-manual.com/cpll.html> [retrieved on 20000419] *
DATABASE DIALOG, KLUR D.: "What an Organization Should Know About Using Electronic Cash" *
DATABASE DIALOG, WOLFF M.: "Net Selling" *
FORBES ASAP SUPPLEMENT,, 28 August 1995 (1995-08-28), pages 30 - 32 *
INFORMATION STRATEGY,, vol. 13, 1997, pages 15 - 22 *
UNKNOWN.: "ADV: !! Get YOUR anonymous CREDI CARD NOW!!", pages 1 - 2, XP002927842, Retrieved from the Internet <URL:www.vma.bme.hu/lla/1998Feb/msg00679.html> [retrieved on 20000419] *
UNKNOWN.: "Offshore Credit Cards", pages 1 - 5, XP002927843, Retrieved from the Internet <URL:www.ul.net/õffshore/cc.htm> [retrieved on 20000419] *

Also Published As

Publication number Publication date
AU2213000A (en) 2000-11-17
CA2374311A1 (en) 2000-11-09
WO2000067411A2 (en) 2000-11-09

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