WO2001052171A1 - Spending vehicles for payments - Google Patents
Spending vehicles for payments Download PDFInfo
- Publication number
- WO2001052171A1 WO2001052171A1 PCT/US2001/000962 US0100962W WO0152171A1 WO 2001052171 A1 WO2001052171 A1 WO 2001052171A1 US 0100962 W US0100962 W US 0100962W WO 0152171 A1 WO0152171 A1 WO 0152171A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- individual
- spending
- payment
- sponsor
- card
- Prior art date
Links
Classifications
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- 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
- G06Q20/342—Cards defining paid or billed services or quantities
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- 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
- G06Q20/22—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
- G06Q20/34—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
-
- 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
- G06Q20/343—Cards including a counter
- G06Q20/3433—Cards including a counter the counter having monetary units
-
- 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
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
-
- 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
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/123—Tax preparation or submission
-
- 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
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/26—Government or public services
-
- 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
-
- 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
Definitions
- the present invention relates generally to a system and method for distributing payments to individuals and, more particularly, to a system and method for allocating a portion or all of an individual's payment into a spending vehicle.
- working years may receive monthly or yearly distributions during their retirement years.
- EFT electronic funds transfer
- the present invention provides a system and method for associating payments with spending vehicles so that an individual who is entitled to receive regular or periodic payments
- a spending vehicle such as a credit card, debit card,
- e-wallet account gift card, discount card, rebate, coupon for use with purchases of the
- Sponsors may include companies and organizations interested in offering purchase incentives to their customers. For example, sponsors may be retailers, manufacturers, or
- the third party assignee may be a sponsor
- the spending vehicle arranges to give a spending vehicle to the individual in return for an assignment of the individual's right to payment. If the spending vehicle is offered by a financial institution, the
- the financial institution may take a portion of the individual's payment as compensation for the service provided to the individual and the sponsor.
- the financial institution may offer its own spending vehicle or it may purchase spending vehicles from various sponsors so that only one payment for purchase of the spending vehicles is made.
- the dollar value of the spending vehicle received by an individual is greater than the dollar value of the cash payment
- the dollar value of the spending vehicle may be equivalent to or less than the dollar value of the cash payment the individual would
- Fig. 1 is a flow diagram of a preferred embodiment of the present invention
- Fig. 2 is a schematic diagram of a first preferred embodiment of the present invention
- Fig. 3 is a schematic diagram of a second preferred embodiment of the present invention
- Fig. 4 is a schematic diagram of a third preferred embodiment of the present invention.
- Fig. 5 is a schematic diagram of a fourth preferred embodiment of the present
- Fig. 1 a flow diagram for a preferred
- a spending vehicle may be a credit
- a sponsor may be a retailer, financial institution, service provider, wholesaler,
- method of the present invention may choose to offer one or more spending vehicles to its
- the individual's selection of a spending vehicle is determined.
- the individual may be given the option of selecting more than one spending vehicle from one or more sponsors.
- the individual is provided with the spending vehicle or vehicles selected.
- the individual assigns his or her right to a payment to a third party in step 14. In one embodiment of the present invention, the individual assigns his or her right to payment directly to the sponsor who provided the
- the individual may arrange to transfer the full amount or less than the full
- the sponsor then provides one or more of its own spending vehicles to the individual with a value based on the amount of the payment assigned to the sponsor.
- the sponsor provides a spending vehicle to the individual
- the individual may be a financial institution. Alternatively, the individual may assign his or her right to
- institution may serve as an intermediary between a plurality of sponsors and an individual.
- the financial institution may then offer more types of spending vehicles from more sponsors
- step 20 if an intermediary such as a financial institution is the assignee of the right to
- a portion or all of the payment may then be transferred to the sponsor or sponsors
- a third party payor may arrange to transfer the individual's payment to a sponsor or
- FIG. 2 an embodiment of the present invention in which an individual 30 obtains a spending vehicle 34 directly from a spending vehicle provider such as a sponsor 36 is shown.
- the spending vehicle provider or sponsor i.e., third party assignee
- the spending vehicle provider or sponsor provides a spending vehicle 34 to the individual 30.
- Information regarding the arrangement between the individual 30 and sponsor 36 may then be communicated with the third party payor from whom the individual is entitled to receive a payment.
- Payment information 42 such as name and account information may be transferred from the sponsor 36 to the third party payor 38 so that the sponsor 36 receives the individual's payment 40 directly.
- the payor may use
- an individual may assign his or
- the retailer provides the individual with a spending vehicle such as a credit card or
- retailer spending vehicle may include an amount of buying power greater than the amount of
- the spending vehicle provider
- a debit card may be issued, for example, a debit card to an individual upon receiving confirmation of the receipt of the Social Security check.
- the credit card or debit card may not be activated until such time as the spending vehicle provider receives the funds for the check.
- the spending vehicle may include a telephone number for an individual to call to activate the spending vehicle once the spending vehicle provider is assured of receipt of payment. Once the individual's spending vehicle is activated, the individual may spend the value of the
- Security check may assign that amount to a spending vehicle provider in exchange for $500
- an individual who is due an IRA distribution of $2,500 may assign his or her distribution amount to an automobile dealer in exchange for the automobile dealer issuing a spending vehicle worth $3,000 in buying power at the auto dealership.
- a cruise line may offer a spending vehicle of $3,000 in exchange for
- the spending vehicle may take the form of many different embodiments, including
- rebate certificates and any other vehicle in which an individual receives spending power in a
- service provider wholesaler, distributor, manufacturer, entertainment entity, travel entity
- a payment may be any type of regular or periodic payment such as a government, corporate, or employer benefit. It may also be a special one-time payment such as a tax refund or a special dividend payment from an investment.
- a financial institution 56 as an intermediary or middleman between the individual 50, the payor 76 from whom the individual 50 is entitled to receive a
- the spending vehicle provider(s) or sponsor(s) 62, 68, 74 may be preferable.
- financial institutions are typically well established in providing spending vehicles such as credit cards and debit cards.
- a retailer may find it helpful to provide its own spending vehicle if done in conjunction with a financial institution.
- a financial institution 56 may work with a plurality of sponsors
- the financial institution 56 may arrange to obtain a plurality of spending vehicles
- the spending vehicles 60, 66, 72 may be credit cards, debit cards, cash cards, checking cards, spending accounts,
- checking accounts electronic spending accounts, coupons, vouchers, discount certificates, or
- the individual 50 assigns his or her payment rights 52 to a financial institution.
- the institution 56 selects one or more spending vehicles 54 from one or more of the sponsors 62, 68, 74.
- the individual may assign the full or less the full amount of the payment to the
- the financial institution may arrange to receive the appropriate amount
- the payor 76 may be a governmental agency, an employer, or any institution that provides payments to individuals in accordance with instructions from a governmental agency, corporation,
- the payment 78 may be a Social Security check, 401(k) distribution, dividend payment, tax refund, etc.
- the financial institution 56 may then arrange to transfer to each participating sponsor 62, 68, 74 all or a portion of the individual's payment
- the financial institution 46 may keep a portion of each individual's payment as a fee for allowing sponsor participation.
- the value of the spending vehicle 44 selected by the individual 40 exceeds the value of the payment right 42 transferred to the financial institution. In this arrangement, individuals benefit from the increased spending power
- Fig. 4 shows another embodiment of the present invention in which a financial
- a financial institution 96 may make a payment of a lump sum or fixed
- institution 96 may then distribute one of the spending vehicles 94 to an individual 90 in
- Payment information 108 provided by the financial institution 96 to the payor 104 may then be used to transfer the individual's payment 106 directly to the financial institution 96.
- electronic funds transfer may be used to complete the transaction so the payor is relieved of
- a financial institution In accordance with this embodiment of the present invention, a financial institution
- Fig. 5 shows another embodiment of the present invention in which a particular third
- the bank where the individual banks issues a spending vehicle 1 14 directly to the individual 110 that may be used at many different outlets for the purchase of goods and or services.
- the individual 1 10 assigns payment rights
- the financial institution 1 16 receives the appropriate amount for
- the payment information 112 may include name and account information so that an electronic funds transfer may be completed.
- the individual may spend the dollar amount of
- the spending vehicle provider or sponsor may agree to assign its rights and obligations in the spending vehicle to another entity at which the individual may spend or
- the individual may be given a period of time in which to use the spending vehicle before a service charge is applied. For example, the individual may incur no service charge on the spending vehicle if the spending vehicle is used within 90 days of being activated. In the event a minimum balance remains in the spending vehicle after the initial "no fee" period, a small monthly service charge may be levied against the spending vehicle until it is entirely used. Alternatively, after a period of time (e.g., 60 days) the spending vehicle provider may issue a check to the individual for the balance left in the spending
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Tourism & Hospitality (AREA)
- Computer Networks & Wireless Communication (AREA)
- General Health & Medical Sciences (AREA)
- Human Resources & Organizations (AREA)
- Primary Health Care (AREA)
- Educational Administration (AREA)
- Health & Medical Sciences (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Computer Security & Cryptography (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CA 2397144 CA2397144A1 (en) | 2000-01-14 | 2001-01-11 | Spending vehicles for payments |
AU29383/01A AU780582B2 (en) | 2000-01-14 | 2001-01-11 | Spending vehicles for payments |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/483,537 | 2000-01-14 | ||
US09/483,537 US7072862B1 (en) | 2000-01-14 | 2000-01-14 | Spending vehicles for payments |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2001052171A1 true WO2001052171A1 (en) | 2001-07-19 |
WO2001052171A9 WO2001052171A9 (en) | 2002-10-17 |
Family
ID=23920462
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2001/000962 WO2001052171A1 (en) | 2000-01-14 | 2001-01-11 | Spending vehicles for payments |
Country Status (4)
Country | Link |
---|---|
US (6) | US7072862B1 (en) |
AU (1) | AU780582B2 (en) |
CA (1) | CA2397144A1 (en) |
WO (1) | WO2001052171A1 (en) |
Families Citing this family (88)
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US8538124B1 (en) | 2007-05-10 | 2013-09-17 | United Services Auto Association (USAA) | Systems and methods for real-time validation of check image quality |
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US9159101B1 (en) | 2007-10-23 | 2015-10-13 | United Services Automobile Association (Usaa) | Image processing |
US9898778B1 (en) | 2007-10-23 | 2018-02-20 | United Services Automobile Association (Usaa) | Systems and methods for obtaining an image of a check to be deposited |
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US8422758B1 (en) | 2008-09-02 | 2013-04-16 | United Services Automobile Association (Usaa) | Systems and methods of check re-presentment deterrent |
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AU2938301A (en) | 2001-07-24 |
US8676676B2 (en) | 2014-03-18 |
WO2001052171A9 (en) | 2002-10-17 |
US7072862B1 (en) | 2006-07-04 |
US20130110714A1 (en) | 2013-05-02 |
US20100153268A1 (en) | 2010-06-17 |
US8671038B2 (en) | 2014-03-11 |
US20130103586A1 (en) | 2013-04-25 |
CA2397144A1 (en) | 2001-07-19 |
US7668764B2 (en) | 2010-02-23 |
US8332289B2 (en) | 2012-12-11 |
AU780582B2 (en) | 2005-04-07 |
US20060218095A1 (en) | 2006-09-28 |
US20100145849A1 (en) | 2010-06-10 |
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