WO2005045625A3 - Integrated credit and stored-value programs - Google Patents

Integrated credit and stored-value programs Download PDF

Info

Publication number
WO2005045625A3
WO2005045625A3 PCT/US2004/035810 US2004035810W WO2005045625A3 WO 2005045625 A3 WO2005045625 A3 WO 2005045625A3 US 2004035810 W US2004035810 W US 2004035810W WO 2005045625 A3 WO2005045625 A3 WO 2005045625A3
Authority
WO
WIPO (PCT)
Prior art keywords
stored
value
credit
transaction
point
Prior art date
Application number
PCT/US2004/035810
Other languages
French (fr)
Other versions
WO2005045625A2 (en
Inventor
Justin Monk
Original Assignee
First Data Corp
Justin Monk
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 US10/694,924 external-priority patent/US20050091153A1/en
Priority claimed from US10/694,925 external-priority patent/US7769689B2/en
Priority claimed from US10/974,463 external-priority patent/US20050114217A1/en
Priority claimed from US10/974,548 external-priority patent/US20050108130A1/en
Application filed by First Data Corp, Justin Monk filed Critical First Data Corp
Publication of WO2005045625A2 publication Critical patent/WO2005045625A2/en
Publication of WO2005045625A3 publication Critical patent/WO2005045625A3/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
    • 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
    • G06Q20/22—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • 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
    • 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
    • G06Q30/06—Buying, selling or leasing transactions

Abstract

Methods and systems enable a transaction to be processed with a customer (104-1, 104-2) at a point-of-sale (152-1, 152-3, 164-1 -16 4) with a combined stored-value and credit instrument. A cost for the transaction is received at a point-of-sale device. In addition, instrument-identification information is received identifying an instrument associated with a stored-value account and a credit account The stored-value account and the credit account were linked substantially contemporaneously with issuance of the instrument to the customer. A request is generated to select a distribution of the cost for the transaction among the stored-value and credit accounts for presentation at the point-of-sale device (152-1 -152-3, 164-1 -164-4). Instructions are transmitted from the point-of-sale device (152- -152-3, 164-1 -164-4) to apply the cost for the transaction to the stored-value and credit accounts in accordance with a received response to the request.
PCT/US2004/035810 2003-10-27 2004-10-27 Integrated credit and stored-value programs WO2005045625A2 (en)

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
US10/694,924 US20050091153A1 (en) 2003-10-27 2003-10-27 Methods and systems for managing integrated credit and stored-value programs
US10/694,925 2003-10-27
US10/694,925 US7769689B2 (en) 2003-10-27 2003-10-27 Methods and systems for processing transactions for integrated credit and stored-value programs
US10/694,924 2003-10-27
US10/974,463 US20050114217A1 (en) 2003-10-27 2004-10-26 Methods and systems for processing transactions for integrated credit and stored-value programs
US10/974,463 2004-10-26
US10/974,548 2004-10-26
US10/974,548 US20050108130A1 (en) 2003-10-27 2004-10-26 Methods and systems for managing integrated credit and stored-value programs

Publications (2)

Publication Number Publication Date
WO2005045625A2 WO2005045625A2 (en) 2005-05-19
WO2005045625A3 true WO2005045625A3 (en) 2007-06-14

Family

ID=34577857

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/035810 WO2005045625A2 (en) 2003-10-27 2004-10-27 Integrated credit and stored-value programs

Country Status (1)

Country Link
WO (1) WO2005045625A2 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102214377B (en) * 2011-06-22 2013-01-09 钱袋网（北京）信息技术有限公司 Cloud point of sale (POS) management platform and cloud POS system
CN103049964A (en) * 2012-12-20 2013-04-17 苏州朗然网络科技有限公司 Method for fetching after online goods ordering
EP3182358A1 (en) * 2015-12-18 2017-06-21 Mastercard International Incorporated System and method for using multiple balances with a single payment device

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5930764A (en) * 1995-10-17 1999-07-27 Citibank, N.A. Sales and marketing support system using a customer information database
US6076075A (en) * 1995-09-25 2000-06-13 Cardis Enterprise International N.V. Retail unit and a payment unit for serving a customer on a purchase and method for executing the same
US20030009382A1 (en) * 2001-06-12 2003-01-09 D'arbeloff Matthew A. Customer identification, loyalty and merchant payment gateway
US6631849B2 (en) * 2000-12-06 2003-10-14 Bank One, Delaware, National Association Selectable multi-purpose card

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6076075A (en) * 1995-09-25 2000-06-13 Cardis Enterprise International N.V. Retail unit and a payment unit for serving a customer on a purchase and method for executing the same
US5930764A (en) * 1995-10-17 1999-07-27 Citibank, N.A. Sales and marketing support system using a customer information database
US6631849B2 (en) * 2000-12-06 2003-10-14 Bank One, Delaware, National Association Selectable multi-purpose card
US20030009382A1 (en) * 2001-06-12 2003-01-09 D'arbeloff Matthew A. Customer identification, loyalty and merchant payment gateway

Also Published As

Publication number Publication date
WO2005045625A2 (en) 2005-05-19

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