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CA2537917A1 - Systeme et methodes de traitement de carte de paiement - Google Patents

Systeme et methodes de traitement de carte de paiement Download PDF

Info

Publication number
CA2537917A1
CA2537917A1 CA002537917A CA2537917A CA2537917A1 CA 2537917 A1 CA2537917 A1 CA 2537917A1 CA 002537917 A CA002537917 A CA 002537917A CA 2537917 A CA2537917 A CA 2537917A CA 2537917 A1 CA2537917 A1 CA 2537917A1
Authority
CA
Canada
Prior art keywords
account
dual card
card
private label
customer
Prior art date
Legal status (The legal status 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 status listed.)
Abandoned
Application number
CA002537917A
Other languages
English (en)
Inventor
Peter Jones
Jim Mitchell
Mike Brumfitt
Deborah Falkingbridge
Robert Humphreys
Stewart Macphail
Jeremy Schreurs
Amanda Atherton
Ros Marshall
Lockie Carolan
Jeffrey V. Manchester
Paul F. Richards
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
General Electric Co
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of CA2537917A1 publication Critical patent/CA2537917A1/fr
Abandoned legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/3576—Multiple memory zones on card
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • 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
    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système et une méthode de traitement de carte de paiement.
CA002537917A 2003-09-05 2003-09-05 Systeme et methodes de traitement de carte de paiement Abandoned CA2537917A1 (fr)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2003/027929 WO2005033997A1 (fr) 2003-09-05 2003-09-05 Systeme et methodes de traitement de carte de paiement

Publications (1)

Publication Number Publication Date
CA2537917A1 true CA2537917A1 (fr) 2005-04-14

Family

ID=34421178

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002537917A Abandoned CA2537917A1 (fr) 2003-09-05 2003-09-05 Systeme et methodes de traitement de carte de paiement

Country Status (3)

Country Link
EP (1) EP1687764A4 (fr)
CA (1) CA2537917A1 (fr)
WO (1) WO2005033997A1 (fr)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9275325B2 (en) 2014-03-07 2016-03-01 Starbucks Corporation Dual-function card with key card functionality and stored value card functionality
US20170032371A1 (en) * 2015-07-29 2017-02-02 Mastercard International Incorporated Method and system for next generation fleet network
US10430795B2 (en) * 2015-11-18 2019-10-01 Mastercard International Incorporated Rules engine for applying rules from a reviewing network to signals from an originating network
US10339529B2 (en) 2015-11-18 2019-07-02 Mastercard Internatioinal Incorporated Rules engine for applying rules from a reviewing network to signals from an originating network

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
BR8906949A (pt) * 1988-05-04 1990-09-11 Humble David Raymond Sistema de contabilidade de transacao generica
US5521966A (en) * 1993-12-14 1996-05-28 At&T Corp. Method and system for mediating transactions that use portable smart cards
US5530232A (en) * 1993-12-22 1996-06-25 Datamark Services, Inc. Multi-application data card
US5991748A (en) * 1996-12-06 1999-11-23 American Express Travel Related Services Company, Inc. Methods and apparatus for regenerating a prepaid transaction account
US6000608A (en) * 1997-07-10 1999-12-14 Dorf; Robert E. Multifunction card system
US6339766B1 (en) * 1998-12-02 2002-01-15 Transactionsecure Electronic payment system employing limited-use account number
US20020026418A1 (en) * 1999-07-02 2002-02-28 Adam Koppel Method for providing pre-paid anonymous electronic debit card compatible with existing network of credit cards
US6615190B1 (en) * 2000-02-09 2003-09-02 Bank One, Delaware, National Association Sponsor funded stored value card
US6915277B1 (en) * 2000-05-10 2005-07-05 General Electric Capital Corporation Method for dual credit card system
US20030191709A1 (en) * 2002-04-03 2003-10-09 Stephen Elston Distributed payment and loyalty processing for retail and vending

Also Published As

Publication number Publication date
WO2005033997A1 (fr) 2005-04-14
EP1687764A1 (fr) 2006-08-09
EP1687764A4 (fr) 2007-04-18

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Legal Events

Date Code Title Description
EEER Examination request
FZDE Discontinued

Effective date: 20160418