WO2005048145B1 - Dual card - Google Patents

Dual card

Info

Publication number
WO2005048145B1
WO2005048145B1 PCT/IB2003/004512 IB0304512W WO2005048145B1 WO 2005048145 B1 WO2005048145 B1 WO 2005048145B1 IB 0304512 W IB0304512 W IB 0304512W WO 2005048145 B1 WO2005048145 B1 WO 2005048145B1
Authority
WO
WIPO (PCT)
Prior art keywords
stored value
credit
card
transactions
dual card
Prior art date
Application number
PCT/IB2003/004512
Other languages
French (fr)
Other versions
WO2005048145A1 (en
Inventor
Colette Courtion
Mary Stumpf
Original Assignee
Starbucks Corp D B A Starbucks
Colette Courtion
Mary Stumpf
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 to EP03753837A priority Critical patent/EP1673717A4/en
Application filed by Starbucks Corp D B A Starbucks, Colette Courtion, Mary Stumpf filed Critical Starbucks Corp D B A Starbucks
Priority to JP2005510551A priority patent/JP2007516484A/en
Priority to CNA2003801106997A priority patent/CN1879120A/en
Priority to MXPA06004275A priority patent/MXPA06004275A/en
Priority to KR1020097023727A priority patent/KR20090132641A/en
Priority to CA002517103A priority patent/CA2517103A1/en
Priority to AU2003271997A priority patent/AU2003271997C1/en
Priority to BRPI0318547-8A priority patent/BR0318547A/en
Priority to PCT/IB2003/004512 priority patent/WO2005048145A1/en
Priority to US10/943,109 priority patent/US7917432B2/en
Publication of WO2005048145A1 publication Critical patent/WO2005048145A1/en
Publication of WO2005048145B1 publication Critical patent/WO2005048145B1/en
Priority to US13/034,076 priority patent/US20110161226A1/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/28Pre-payment schemes, e.g. "pay before"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342Cards defining paid or billed services or quantities
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/12Card verification
    • G07F7/125Offline card verification

Abstract

A dual card (102A), which facilitates payment for goods or services (106A) from either a credit account or a stored value account, operates on both an open network(104A) and a closed network. The dual card is a payment card that integrates the ability to provide credit privileges and stored value privileges to a cardholder of a dual card. The features, benefits and advantages of a stored value card are integrated with the credit card aspects of the dual card. The benefits, features, and advantages of a credit card are integrated with a stored value card.

Claims

AMENDED CLAIMS [received by the International Bureau on 11th May 2005 (11.05.2005); original claims 1-3 replaced by new claims 1-25 (4 pages)]
1. A networked system in which payment transactions flow, comprising: an open network for communicating credit transactions; a closed network for communicating stored value transactions; and a dual card on which information is stored for facilitating credit transactions over the open network and stored value transactions over the closed network.
2. The networked system of Claim 1 , further comprising a third party store in which the dual card is used to pay for goods or services, the third party store being capable of transmitting credit transactions over the open network.
3. The networked system of Claim 1, further comprising a sponsor store of a sponsor business associated with the dual card, the sponsor store being capable of accepting the dual card as payment for goods or services, the sponsor store further being capable of transmitting stored value transactions over the closed network.
4. The networked system of Claim 1 , further comprising a credit card processor coupled to the open network for processing credit transactions.
5. The networked system of Claim 1, further comprising a stored value processor coupled to the closed network for processing stored value transactions.
6. The networked system of Claim 1, further comprising a dual card support center coupled to the closed network and the stored value processor, the dual card support center being capable of routing stored value transactions received from the closed network to the stored value processor.
7. A networked system in which payment transactions flow, comprising: a closed network for communicating credit and stored value transactions; and a dual card on which information is stored for facilitating credit transactions, the information being capable of facilitating stored value transactions over the closed network.
8. The networked system of Claim 7, further comprising a point-of-sale machine, which is capable of extracting information from the dual card to send a credit transaction or a stored value transaction over the closed network.
9. The networked system of Claim 7, further comprising a credit card processor for processing credit transactions.
10. The networked system of Claim 7, further comprising a stored value processor for processing stored value transactions.
11. The networked system of Claim 7, further comprising a stored value processor for processing stored value transactions.
12. In a networked system, a computer-readable medium having information stored thereon for a set of computer-implemented instructions to perform a method for communicating payment transactions, comprising: credit information for facilitating credit transactions over an open network to pay for goods or services; and stored value information for facilitating stored value transactions a closed network to pay for goods or services.
13. A method for creating a dual card account, comprising: receiving a credit data file from a credit card issuing bank, the credit data file being indicative that credit privileges are available to a holder of the dual card;
15 generating a stored value confirmation file to be sent a stored value processor, the stored value data file being indicative that stored value privileges are available to the cardholder; and issuing the dual card to the cardholder.
14. The method of Claim 13, further comprising loading a stored value account associated with the dual card with an initial amount of value.
15. The method of Claim 13, further comprising receiving activation instructions by the cardholder to activate the dual card for use.
16. The method of Claim 13, further comprising receiving a stream of revenue from the credit card issuing bank for the dual card issued to the cardholder, the stream of revenue including a monetary amount for a first credit transaction incurred by the cardholder.
17. The method of Claim 13, wherein the stream of revenue further includes a monetary amount for an anniversary renewal of the dual card with the credit card issuing bank.
18. A method for merging dual cards, comprising: receiving multiple dual card numbers to be merged on a Web page; and merging stored value accounts of multiple dual cards into one dual card stored value account.
19. The method of Claim 18, further comprising submitting by a dual card support center the received multiple dual card numbers to a stored value processor.
16
20. The method of Claim 18, further comprising instructing the stored value processor to merge stored value accounts into one stored value account.
21. A method for making payment transactions using a dual card, comprising: receiving information from a payment card to pay for goods or services; recognizing the payment card as the dual card based on its identification number; and prompting to confirm whether a credit or stored value transaction is desired.
22. The method of Claim 21, further comprising receiving a selection of a credit transaction, which is forwarded to a credit card processor where the credit transaction is processed.
23. The method of Claim 21, further comprising receiving a selection of a stored value transaction, which is forwarded to a stored value processor where the stored value transaction is processed.
24. The method of Claim 21, further comprising prompting for additional payment if there is insufficient credit in a credit card account or value in a stored value account.
25. The method of Claim 21, further comprising prompting for a reload transaction to replenish a stored value account if the stored value account is under a threshold.
17
PCT/IB2003/004512 2003-10-13 2003-10-13 Dual card WO2005048145A1 (en)

Priority Applications (11)

Application Number Priority Date Filing Date Title
CA002517103A CA2517103A1 (en) 2003-10-13 2003-10-13 Dual card
JP2005510551A JP2007516484A (en) 2003-10-13 2003-10-13 Dual card
CNA2003801106997A CN1879120A (en) 2003-10-13 2003-10-13 Dual card
MXPA06004275A MXPA06004275A (en) 2003-10-13 2003-10-13 Dual card.
KR1020097023727A KR20090132641A (en) 2003-10-13 2003-10-13 Dual card
EP03753837A EP1673717A4 (en) 2003-10-13 2003-10-13 Dual card
AU2003271997A AU2003271997C1 (en) 2003-10-13 2003-10-13 Dual card
BRPI0318547-8A BR0318547A (en) 2003-10-13 2003-10-13 networked payment transaction system, process for creating a dual card account, process for incorporating dual cards and for making payment transactions
PCT/IB2003/004512 WO2005048145A1 (en) 2003-10-13 2003-10-13 Dual card
US10/943,109 US7917432B2 (en) 2003-10-13 2004-09-16 Dual card
US13/034,076 US20110161226A1 (en) 2003-10-13 2011-02-24 Dual card

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
PCT/IB2003/004512 WO2005048145A1 (en) 2003-10-13 2003-10-13 Dual card
US51106803P 2003-10-14 2003-10-14
US10/943,109 US7917432B2 (en) 2003-10-13 2004-09-16 Dual card

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US10/943,109 Continuation US7917432B2 (en) 2003-10-13 2004-09-16 Dual card

Publications (2)

Publication Number Publication Date
WO2005048145A1 WO2005048145A1 (en) 2005-05-26
WO2005048145B1 true WO2005048145B1 (en) 2005-07-07

Family

ID=34426296

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2003/004512 WO2005048145A1 (en) 2003-10-13 2003-10-13 Dual card

Country Status (2)

Country Link
US (2) US7917432B2 (en)
WO (1) WO2005048145A1 (en)

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