WO2003083792A3 - Administration of transactions with pre-payment debit and credit cards - Google Patents

Administration of transactions with pre-payment debit and credit cards Download PDF

Info

Publication number
WO2003083792A3
WO2003083792A3 PCT/GB2003/001292 GB0301292W WO03083792A3 WO 2003083792 A3 WO2003083792 A3 WO 2003083792A3 GB 0301292 W GB0301292 W GB 0301292W WO 03083792 A3 WO03083792 A3 WO 03083792A3
Authority
WO
WIPO (PCT)
Prior art keywords
card
account
value
database
payment
Prior art date
Application number
PCT/GB2003/001292
Other languages
French (fr)
Other versions
WO2003083792A2 (en
Inventor
Kevin Burrows
Original Assignee
Burrows Colin Cyril
Kevin Burrows
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 GB0207379A external-priority patent/GB0207379D0/en
Priority claimed from GB0207380A external-priority patent/GB0207380D0/en
Application filed by Burrows Colin Cyril, Kevin Burrows filed Critical Burrows Colin Cyril
Priority to EP03712417A priority Critical patent/EP1497763A2/en
Priority to AU2003217029A priority patent/AU2003217029A1/en
Publication of WO2003083792A2 publication Critical patent/WO2003083792A2/en
Publication of WO2003083792A3 publication Critical patent/WO2003083792A3/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
    • G06Q20/04—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
    • G06Q20/22—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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Abstract

A method and card (10) for conducting commercial transactions comprising the steps of: providing a plurality of cards (10) each having a unique card identifier code and providing a database (15) of a plurality of anonymous electronic accounts each of which has a unique account code associated with one card (10). A supply of cards at card is provided to issuing outlets at which a potential card user may acquire a card and pay a sum of money or money's worth and thereby assign a pre-payment value to a unique selected card (10). Each issuing outlet (13) has a card reader/writer (14) that is connectable to the database (15). The card reader/writer (14) is operable to activate a card (10), and to write to a selected anonymous electronic account in the database that is unique to the activated card, (i) the card identifier code, (ii) the value of said pre-payment, (iii) a user personal identification code (master PIN) and (iv) a unique card issuer authentication code that identifies the card issuer. The card issuing outlets (13) have a payment means for effecting payment to the owner of the database (15) of a sum of money related to the pre-payment value of the activated card. The card user is given a plurality of disposable PINs that are written to the selected account in the database. The reader/writer means (17) at a plurality of vendor outlets (14, 18) where a card user can use the activated card (10) to purchase goods or services or effect other monetary transactions is operable for receiving from the database confirmation that the user entered master PIN, or the disposable PIN, matches that stored in the account corresponding to the activated card, and confirming that the value of the balance stored in the electronic account matches, or exceeds, the value of the transaction, and, if sufficient funds exist in the account to cover the value of the transaction, to deduct the value of the transaction from the account and write the new balance to the account.
PCT/GB2003/001292 2002-03-28 2003-03-26 Administration of transactions with pre-payment debit and credit cards WO2003083792A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP03712417A EP1497763A2 (en) 2002-03-28 2003-03-26 Administration of transactions with pre-payment debit and credit cards
AU2003217029A AU2003217029A1 (en) 2002-03-28 2003-03-26 Administration of transactions with pre-payment debit and credit cards

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
GB0207379A GB0207379D0 (en) 2002-03-28 2002-03-28 Pre-payment debit and credit cards
GB0207379.9 2002-03-28
GB0207380A GB0207380D0 (en) 2002-03-28 2002-03-28 Pre-payment debit and credit system
GB0207380.7 2002-03-28

Publications (2)

Publication Number Publication Date
WO2003083792A2 WO2003083792A2 (en) 2003-10-09
WO2003083792A3 true WO2003083792A3 (en) 2003-12-18

Family

ID=28676492

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB2003/001292 WO2003083792A2 (en) 2002-03-28 2003-03-26 Administration of transactions with pre-payment debit and credit cards

Country Status (3)

Country Link
EP (1) EP1497763A2 (en)
AU (1) AU2003217029A1 (en)
WO (1) WO2003083792A2 (en)

Families Citing this family (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050229003A1 (en) 2004-04-09 2005-10-13 Miles Paschini System and method for distributing personal identification numbers over a computer network
US7676030B2 (en) 2002-12-10 2010-03-09 Ewi Holdings, Inc. System and method for personal identification number distribution and delivery
US10205721B2 (en) 2002-12-10 2019-02-12 Ewi Holdings, Inc. System and method for distributing personal identification numbers over a computer network
US7131578B2 (en) 2003-05-28 2006-11-07 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
GB2404482A (en) * 2003-06-20 2005-02-02 Pbc Internat Ltd Payment for good or services from a computer network
US11599873B2 (en) 2010-01-08 2023-03-07 Blackhawk Network, Inc. Systems and methods for proxy card and/or wallet redemption card transactions
US7280644B2 (en) 2004-12-07 2007-10-09 Ewi Holdings, Inc. Transaction processing platform for faciliating electronic distribution of plural prepaid services
US11475436B2 (en) 2010-01-08 2022-10-18 Blackhawk Network, Inc. System and method for providing a security code
US7766225B2 (en) 2005-12-30 2010-08-03 Ready Credit Corporation Issuing a value-bearing card associated with only non-personally identifying information
US10296895B2 (en) 2010-01-08 2019-05-21 Blackhawk Network, Inc. System for processing, activating and redeeming value added prepaid cards
US10037526B2 (en) 2010-01-08 2018-07-31 Blackhawk Network, Inc. System for payment via electronic wallet
MX2012007926A (en) 2010-01-08 2012-08-03 Blackhawk Network Inc A system for processing, activating and redeeming value added prepaid cards.
EP2601632A4 (en) 2010-08-27 2016-04-27 Blackhawk Network Inc Prepaid card with savings feature
US11042870B2 (en) 2012-04-04 2021-06-22 Blackhawk Network, Inc. System and method for using intelligent codes to add a stored-value card to an electronic wallet
CA3171304A1 (en) 2012-11-20 2014-05-30 Blackhawk Network, Inc. Method for using intelligent codes in conjunction with stored-value cards
SE540544C2 (en) 2015-10-30 2018-09-25 Id Loop Ab Procedure for payment by prepaid card

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4837422A (en) * 1987-09-08 1989-06-06 Juergen Dethloff Multi-user card system
WO1997010560A1 (en) * 1995-09-14 1997-03-20 Cybermark, L.L.C. Stored value transaction system and method using anonymous account numbers
EP0991032A1 (en) * 1998-09-29 2000-04-05 SCHLUMBERGER Systèmes Prepaid-mode card usage method
FR2788154A1 (en) * 1998-12-01 2000-07-07 Philippe Baron D Secure data exchange for electronic or internet payments
WO2000065517A1 (en) * 1999-04-27 2000-11-02 Hertz Eli E Commercial transaction method
WO2001099069A2 (en) * 2000-05-03 2001-12-27 Jacobus Christian Pansegrouw An account
FR2812423A1 (en) * 2000-07-26 2002-02-01 Yohan Amsellem Card payment for an Internet transaction, uses code table prepared when card is manufactured with server interrogation of user who must return correct entries from the code table
DE10147651C1 (en) * 2001-09-27 2002-11-21 Deutsche Telekom Ag Payment transaction method for data network uses management system and anonymous numbered accounts for payment without revealing customer details

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4837422A (en) * 1987-09-08 1989-06-06 Juergen Dethloff Multi-user card system
WO1997010560A1 (en) * 1995-09-14 1997-03-20 Cybermark, L.L.C. Stored value transaction system and method using anonymous account numbers
EP0991032A1 (en) * 1998-09-29 2000-04-05 SCHLUMBERGER Systèmes Prepaid-mode card usage method
FR2788154A1 (en) * 1998-12-01 2000-07-07 Philippe Baron D Secure data exchange for electronic or internet payments
WO2000065517A1 (en) * 1999-04-27 2000-11-02 Hertz Eli E Commercial transaction method
WO2001099069A2 (en) * 2000-05-03 2001-12-27 Jacobus Christian Pansegrouw An account
FR2812423A1 (en) * 2000-07-26 2002-02-01 Yohan Amsellem Card payment for an Internet transaction, uses code table prepared when card is manufactured with server interrogation of user who must return correct entries from the code table
DE10147651C1 (en) * 2001-09-27 2002-11-21 Deutsche Telekom Ag Payment transaction method for data network uses management system and anonymous numbered accounts for payment without revealing customer details

Also Published As

Publication number Publication date
AU2003217029A1 (en) 2003-10-13
AU2003217029A8 (en) 2003-10-13
EP1497763A2 (en) 2005-01-19
WO2003083792A2 (en) 2003-10-09

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