WO2004046863A3 - Interest bearing gift card mechanisms - Google Patents

Interest bearing gift card mechanisms Download PDF

Info

Publication number
WO2004046863A3
WO2004046863A3 PCT/US2003/036527 US0336527W WO2004046863A3 WO 2004046863 A3 WO2004046863 A3 WO 2004046863A3 US 0336527 W US0336527 W US 0336527W WO 2004046863 A3 WO2004046863 A3 WO 2004046863A3
Authority
WO
WIPO (PCT)
Prior art keywords
gift card
ibgc
interest bearing
bearing gift
card mechanisms
Prior art date
Application number
PCT/US2003/036527
Other languages
French (fr)
Other versions
WO2004046863A2 (en
Inventor
Harry Duke
Original Assignee
Ibgc Corp
Harry Duke
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 Ibgc Corp, Harry Duke filed Critical Ibgc Corp
Priority to JP2004553730A priority Critical patent/JP2006506739A/en
Priority to AU2003290944A priority patent/AU2003290944A1/en
Priority to BR0316277-0A priority patent/BR0316277A/en
Priority to EP03783528A priority patent/EP1570394A4/en
Priority to CA002505791A priority patent/CA2505791A1/en
Priority to US10/811,605 priority patent/US20040243498A1/en
Publication of WO2004046863A2 publication Critical patent/WO2004046863A2/en
Publication of WO2004046863A3 publication Critical patent/WO2004046863A3/en
Priority to US11/124,915 priority patent/US20080223920A9/en

Links

Classifications

    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/04—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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/30—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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • 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
    • G06Q99/00—Subject matter not provided for in other groups of this subclass

Abstract

An interest bearing gift card ('IBGC') and related methods and systems are compatible with various credit and debit card networks and may be employed almost universally. An account associated with the IBGC is credited on a predetermined basis with transaction related credits reflecting an effective monetary return on amounts maintained in the IBGC account.
PCT/US2003/036527 2002-11-15 2003-11-14 Interest bearing gift card mechanisms WO2004046863A2 (en)

Priority Applications (7)

Application Number Priority Date Filing Date Title
JP2004553730A JP2006506739A (en) 2002-11-15 2003-11-14 Gift card system with interest
AU2003290944A AU2003290944A1 (en) 2002-11-15 2003-11-14 Interest bearing gift card mechanisms
BR0316277-0A BR0316277A (en) 2002-11-15 2003-11-14 Interest bearing gift card system, methods of using an interest bearing gift card and interacting with an information encoded gift card, interest bearing gift card and system for interacting with an information encoded gift card
EP03783528A EP1570394A4 (en) 2002-11-15 2003-11-14 Interest bearing gift card mechanisms
CA002505791A CA2505791A1 (en) 2002-11-15 2003-11-14 Interest bearing gift card mechanisms
US10/811,605 US20040243498A1 (en) 2002-11-15 2004-03-29 Interest bearing gift card mechanisms
US11/124,915 US20080223920A9 (en) 2002-11-15 2005-05-09 Interest bearing gift card mechanisms

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/298,036 2002-11-15
US10/298,036 US20040098351A1 (en) 2002-11-15 2002-11-15 Interest bearing gift card and related methods and systems

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
US10/298,036 Continuation US20040098351A1 (en) 2002-11-15 2002-11-15 Interest bearing gift card and related methods and systems

Related Child Applications (2)

Application Number Title Priority Date Filing Date
US10/811,605 Continuation-In-Part US20040243498A1 (en) 2002-11-15 2004-03-29 Interest bearing gift card mechanisms
US11/124,915 Continuation US20080223920A9 (en) 2002-11-15 2005-05-09 Interest bearing gift card mechanisms

Publications (2)

Publication Number Publication Date
WO2004046863A2 WO2004046863A2 (en) 2004-06-03
WO2004046863A3 true WO2004046863A3 (en) 2005-01-27

Family

ID=32297340

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/036527 WO2004046863A2 (en) 2002-11-15 2003-11-14 Interest bearing gift card mechanisms

Country Status (8)

Country Link
US (4) US20040098351A1 (en)
EP (1) EP1570394A4 (en)
JP (1) JP2006506739A (en)
CN (1) CN1711544A (en)
AU (1) AU2003290944A1 (en)
BR (1) BR0316277A (en)
CA (1) CA2505791A1 (en)
WO (1) WO2004046863A2 (en)

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US20040098351A1 (en) 2004-05-20
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