WO2010081147A3 - System and method for managing account linkages - Google Patents

System and method for managing account linkages Download PDF

Info

Publication number
WO2010081147A3
WO2010081147A3 PCT/US2010/020765 US2010020765W WO2010081147A3 WO 2010081147 A3 WO2010081147 A3 WO 2010081147A3 US 2010020765 W US2010020765 W US 2010020765W WO 2010081147 A3 WO2010081147 A3 WO 2010081147A3
Authority
WO
WIPO (PCT)
Prior art keywords
prepaid
purchaser
account
prepaid account
instrument
Prior art date
Application number
PCT/US2010/020765
Other languages
French (fr)
Other versions
WO2010081147A2 (en
Inventor
Todd Nuttal
Reidhead Charmaine
Bowman Troy
Original Assignee
Better Atm Services, Inc.
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 Better Atm Services, Inc. filed Critical Better Atm Services, Inc.
Priority to SG2011047917A priority Critical patent/SG172433A1/en
Priority to CA2749246A priority patent/CA2749246A1/en
Priority to JP2011545511A priority patent/JP2012515380A/en
Priority to AU2010203388A priority patent/AU2010203388A1/en
Priority to MX2011007464A priority patent/MX2011007464A/en
Priority to EA201101081A priority patent/EA201101081A1/en
Publication of WO2010081147A2 publication Critical patent/WO2010081147A2/en
Publication of WO2010081147A3 publication Critical patent/WO2010081147A3/en
Priority to IL214006A priority patent/IL214006A0/en
Priority to ZA2011/05331A priority patent/ZA201105331B/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
    • G06Q20/30—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
    • 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
    • G06Q20/08—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
    • 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
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • 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
    • G06Q50/60—
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/43—Billing software details
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/44—Augmented, consolidated or itemized billing statement or bill presentation
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/51—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP for resellers, retailers or service providers
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/62—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP based on trigger specification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/70—Administration or customization aspects; Counter-checking correct charges
    • H04M15/75—Account location specifications
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/70—Administration or customization aspects; Counter-checking correct charges
    • H04M15/765—Linked or grouped accounts, e.g. of users or devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0104—Augmented, consolidated or itemised billing statement, e.g. additional billing information, bill presentation, layout, format, e-mail, fax, printout, itemised bill per service or per account, cumulative billing, consolidated billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/54—Resellers-retail or service providers billing, e.g. agreements with telephone service operator, activation, charging/recharging of accounts
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/72—Account specifications
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/72—Account specifications
    • H04M2215/724—Linked accounts

Abstract

An account management system allows a prepaid account provider to link a prepaid account to a purchaser of the prepaid instrument used to access the prepaid account. The link is creating using a prepaid instrument identifier and purchase data collected during the purchase of the prepaid instrument. The purchase data includes information identifying the purchaser, the purchasing instrument used, the value placed on the prepaid instrument, value-added services requested by the purchaser, and transaction details. The prepaid account provider extracts the purchased value from the purchaser's account, opens a prepaid account that is associated with the purchaser and the prepaid instrument, and deposits the purchased value into the prepaid account. The prepaid account provider may track the expenditure of funds from the prepaid account and provide value-added tracking services to the purchaser. The funds remain associated with the purchaser after being deposited in the prepaid account.
PCT/US2010/020765 2009-01-12 2010-01-12 System and method for managing account linkages WO2010081147A2 (en)

Priority Applications (8)

Application Number Priority Date Filing Date Title
SG2011047917A SG172433A1 (en) 2009-01-12 2010-01-12 System and method for managing account linkages
CA2749246A CA2749246A1 (en) 2009-01-12 2010-01-12 System and method for managing account linkages
JP2011545511A JP2012515380A (en) 2009-01-12 2010-01-12 System and method for managing account consolidation
AU2010203388A AU2010203388A1 (en) 2009-01-12 2010-01-12 System and method for managing account linkages
MX2011007464A MX2011007464A (en) 2009-01-12 2010-01-12 System and method for managing account linkages.
EA201101081A EA201101081A1 (en) 2009-01-12 2010-01-12 SYSTEM AND METHOD OF CONTROL ACCOUNT ACCOUNT
IL214006A IL214006A0 (en) 2009-01-12 2011-07-10 System and method for managing account linkages
ZA2011/05331A ZA201105331B (en) 2009-01-12 2011-07-20 System and method for managing account linkages

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US20485509P 2009-01-12 2009-01-12
US61/204,855 2009-01-12
US12/686,096 US20100191605A1 (en) 2006-10-26 2010-01-12 System and Method for Managing Account Linkages
US12/686,096 2010-01-12

Publications (2)

Publication Number Publication Date
WO2010081147A2 WO2010081147A2 (en) 2010-07-15
WO2010081147A3 true WO2010081147A3 (en) 2010-10-21

Family

ID=42317214

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2010/020765 WO2010081147A2 (en) 2009-01-12 2010-01-12 System and method for managing account linkages

Country Status (12)

Country Link
US (1) US20100191605A1 (en)
JP (1) JP2012515380A (en)
KR (1) KR20110105853A (en)
AU (1) AU2010203388A1 (en)
CA (1) CA2749246A1 (en)
EA (1) EA201101081A1 (en)
IL (1) IL214006A0 (en)
MX (1) MX2011007464A (en)
SG (1) SG172433A1 (en)
TR (1) TR201106925T1 (en)
WO (1) WO2010081147A2 (en)
ZA (1) ZA201105331B (en)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
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US20030217005A1 (en) * 1996-11-27 2003-11-20 Diebold Self Service Systems, Division Of Diebold, Incorporated Automated banking machine system and method
US10453055B2 (en) * 2012-02-12 2019-10-22 Cytherean Mandelbrot LLC Method for secure electronic tender
JP5507641B2 (en) * 2012-09-19 2014-05-28 ヤフー株式会社 Authority management apparatus, authority management method, and authority management program
IN2013MU00927A (en) 2013-03-20 2015-05-08 Tata Consultancy Services Ltd
US10311434B2 (en) * 2014-05-29 2019-06-04 Paypal, Inc. Systems and methods for reporting compromised card accounts
US10535063B2 (en) * 2015-03-13 2020-01-14 First Data Corporation Systems and methods for securing digital gift cards with a public ledger
US20170024734A1 (en) * 2015-07-21 2017-01-26 Mastercard International Incorporated Systems and Methods for Processing Transactions to Payment Accounts
US11127017B2 (en) * 2016-01-26 2021-09-21 Mastercard International Incorporated Enablement of enhanced authorization decisions of purchases including stored value products
CN106886847A (en) 2016-06-22 2017-06-23 阿里巴巴集团控股有限公司 A kind of method for processing resource and device
US11631072B2 (en) 2021-06-11 2023-04-18 Bank Of America Corporation Secured, unified, multifunctional, digital currency store with machine-readable card and/or mobile app

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US20040128237A1 (en) * 2002-12-30 2004-07-01 Oye Obe Code driven customization for a prepaid account
US7337947B1 (en) * 2005-06-30 2008-03-04 Capitol One Financial Corporation Prepaid account and card

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US20020120861A1 (en) * 2001-02-20 2002-08-29 Yutaka Kagiwada Electronic settlement system allowing for network-based electronic settlement
US20040128237A1 (en) * 2002-12-30 2004-07-01 Oye Obe Code driven customization for a prepaid account
US7337947B1 (en) * 2005-06-30 2008-03-04 Capitol One Financial Corporation Prepaid account and card

Also Published As

Publication number Publication date
TR201106925T1 (en) 2012-02-21
IL214006A0 (en) 2011-08-31
MX2011007464A (en) 2011-10-24
EA201101081A1 (en) 2012-03-30
AU2010203388A1 (en) 2011-08-11
JP2012515380A (en) 2012-07-05
WO2010081147A2 (en) 2010-07-15
ZA201105331B (en) 2012-03-28
US20100191605A1 (en) 2010-07-29
SG172433A1 (en) 2011-07-28
KR20110105853A (en) 2011-09-27
CA2749246A1 (en) 2010-07-15

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