SG11201604968SA - Automatic data transfer - Google Patents

Automatic data transfer

Info

Publication number
SG11201604968SA
SG11201604968SA SG11201604968SA SG11201604968SA SG11201604968SA SG 11201604968S A SG11201604968S A SG 11201604968SA SG 11201604968S A SG11201604968S A SG 11201604968SA SG 11201604968S A SG11201604968S A SG 11201604968SA SG 11201604968S A SG11201604968S A SG 11201604968SA
Authority
SG
Singapore
Prior art keywords
data transfer
automatic data
automatic
transfer
data
Prior art date
Application number
SG11201604968SA
Inventor
James C Noe
Michael J Cowen
Jason Field
Original Assignee
Mastercard International 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 Mastercard International Inc filed Critical Mastercard International Inc
Publication of SG11201604968SA publication Critical patent/SG11201604968SA/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
    • G06Q20/08—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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • 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
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/349—Rechargeable cards
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/409—Device specific authentication in transaction processing

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Human Resources & Organizations (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Data Mining & Analysis (AREA)
  • Marketing (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
SG11201604968SA 2013-12-18 2014-09-18 Automatic data transfer SG11201604968SA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB1322353.2A GB2521381A (en) 2013-12-18 2013-12-18 Automatic data transfer
PCT/EP2014/069887 WO2015090654A1 (en) 2013-12-18 2014-09-18 Automatic data transfer

Publications (1)

Publication Number Publication Date
SG11201604968SA true SG11201604968SA (en) 2016-07-28

Family

ID=50070968

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201604968SA SG11201604968SA (en) 2013-12-18 2014-09-18 Automatic data transfer

Country Status (7)

Country Link
US (1) US20150206110A1 (en)
EP (1) EP3084698A1 (en)
AU (1) AU2014365706B2 (en)
CA (1) CA2934365A1 (en)
GB (1) GB2521381A (en)
SG (1) SG11201604968SA (en)
WO (1) WO2015090654A1 (en)

Family Cites Families (33)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7127426B1 (en) * 2000-11-15 2006-10-24 First Data Corporation Reloadable debit card system and method
US7131578B2 (en) * 2003-05-28 2006-11-07 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
US8156042B2 (en) * 2003-08-29 2012-04-10 Starbucks Corporation Method and apparatus for automatically reloading a stored value card
US7792717B1 (en) * 2003-10-31 2010-09-07 Jpmorgan Chase Bank, N.A. Waterfall prioritized payment processing
KR20060135910A (en) * 2004-03-23 2006-12-29 피씨티이엘 인코포레이티드 Service level assurance system and method for wired and wireless broadband networks
US20140019352A1 (en) * 2011-02-22 2014-01-16 Visa International Service Association Multi-purpose virtual card transaction apparatuses, methods and systems
CA2574501A1 (en) * 2004-05-18 2006-12-01 Air-Bank Llc A multiple-network system and method for loading, transferring and redeeming value through stored value accounts
US7337947B1 (en) * 2005-06-30 2008-03-04 Capitol One Financial Corporation Prepaid account and card
US20070125838A1 (en) * 2005-12-06 2007-06-07 Law Eric C W Electronic wallet management
US8280977B2 (en) * 2006-09-27 2012-10-02 International Business Machines Corporation Automatic data transfer using an intermediate device
US8923827B2 (en) * 2007-01-09 2014-12-30 Visa U.S.A. Inc. Mobile payment management
WO2009042758A2 (en) * 2007-09-25 2009-04-02 Swipepay Mobile, Inc. System and method for financial transaction interoperability across multiple mobile networks
US8341084B2 (en) * 2009-06-08 2012-12-25 Mastercard International Incorporated Method, apparatus, and computer program product for topping up prepaid payment cards for offline use
US20100317318A1 (en) * 2009-06-10 2010-12-16 Carter Ronald D Methods and apparatus for providing pre-paid payment capability on mobile telephone
AU2010289473B2 (en) * 2009-09-02 2014-12-18 Visa International Service Association Portable consumer device with funds transfer processing
US20110153493A1 (en) * 2009-12-17 2011-06-23 Ebay Inc. Dynamic limit funding source
WO2012003156A1 (en) * 2010-06-27 2012-01-05 Visa International Service Association Scheduled funds transfer platform apparatuses, methods and systems
US20120116956A1 (en) * 2010-11-09 2012-05-10 Steven Altman Hybrid mobile commerce system, apparatus, method and computer program product
US8523054B2 (en) * 2011-03-17 2013-09-03 Ebay Inc. Gift card conversion and digital wallet
US8600882B2 (en) * 2011-03-18 2013-12-03 Bank Of America Corporation Prepaid card budgeting
US9589266B2 (en) * 2011-04-01 2017-03-07 Visa International Service Association Restricted-use account payment administration apparatuses, methods and systems
JP5092074B1 (en) * 2011-04-28 2012-12-05 楽天株式会社 Settlement module, settlement method, program, and information recording medium
US20140046840A1 (en) * 2011-04-28 2014-02-13 Rakuten, Inc. Payment module, payment method, program, information-recording medium, payment device, and method for controlling payment device
SG187283A1 (en) * 2011-07-27 2013-02-28 goodwin Russell Intelligent payment system
US20130124409A1 (en) * 2011-11-10 2013-05-16 Bank Of America Corporation Reloadable prepaid platform
US9015066B2 (en) * 2011-12-13 2015-04-21 Ebay Inc. Digital wallet loading
US20130211898A1 (en) * 2012-02-15 2013-08-15 Boku, Inc. Expense tracker
US20130226804A1 (en) * 2012-02-28 2013-08-29 Weiss Enterprises, Inc. Multi-source debit card object oriented system and method
US9953326B2 (en) * 2012-05-02 2018-04-24 Jpmorgan Chase Bank, N.A. Alert optimization system and method
US20140156512A1 (en) * 2012-12-04 2014-06-05 Pangea Universal Holdings, Inc. Providing money transfer using a money transfer platform
US9786003B2 (en) * 2012-12-11 2017-10-10 Visa International Service Association Prepaid load with account linking
US20140188737A1 (en) * 2013-01-01 2014-07-03 Omar Salah Automated money allocation system and method
US20140278989A1 (en) * 2013-03-14 2014-09-18 Bank Of America Corporation Determining an offer based on a pre-paid account balance and consumer location

Also Published As

Publication number Publication date
EP3084698A1 (en) 2016-10-26
WO2015090654A1 (en) 2015-06-25
AU2014365706A1 (en) 2016-07-07
GB2521381A (en) 2015-06-24
CA2934365A1 (en) 2015-06-25
US20150206110A1 (en) 2015-07-23
AU2014365706B2 (en) 2017-12-21
GB201322353D0 (en) 2014-02-05

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