CA2252638A1 - Systeme et son procede d'utilisation pour l'acceptation de paiements excedentaires - Google Patents

Systeme et son procede d'utilisation pour l'acceptation de paiements excedentaires Download PDF

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Publication number
CA2252638A1
CA2252638A1 CA 2252638 CA2252638A CA2252638A1 CA 2252638 A1 CA2252638 A1 CA 2252638A1 CA 2252638 CA2252638 CA 2252638 CA 2252638 A CA2252638 A CA 2252638A CA 2252638 A1 CA2252638 A1 CA 2252638A1
Authority
CA
Canada
Prior art keywords
account
accounts
card
entering
cash
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
CA 2252638
Other languages
English (en)
Inventor
Bertram V. Burke
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.)
Every Penny Counts Inc
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
Priority claimed from US08/429,758 external-priority patent/US6112191A/en
Application filed by Individual filed Critical Individual
Publication of CA2252638A1 publication Critical patent/CA2252638A1/fr
Abandoned legal-status Critical Current

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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit

Landscapes

  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système (cf. fig. 1 pour le système structural, fig. 4 et 5 pour le système de fonctionnement commercial) et son utilisation par des consommateurs, pour faire des économies et faire des dons à des organismes charitables ou autres, chaque fois qu'ils paient en liquide à un terminal de point de vente (Fig. 1, de RTI à RTN), établissent un chèque, utilisent un guichet de banque automatique ou une carte de débit ou de crédit. Le système des points de vente est un réseau composé d'abonnés ou de personnes effectuant des paiements ou en recevant, de commerçants ou collecteurs neutres, d'une chambre centrale de compensation et de comptes fournisseurs. Le système plus large est un réseau constitué par des abonnés ou des payeurs, des bénéficiaires de paiements, des gestionnaires de comptes et des services fournisseurs. Ensemble, les systèmes apportent aux abonnés ou payeurs un moyen sans discontinuité d'économiser de l'argent ou d'en faire don chaque fois qu'ils en dépensent.
CA 2252638 1995-04-25 1996-04-25 Systeme et son procede d'utilisation pour l'acceptation de paiements excedentaires Abandoned CA2252638A1 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US42840195A 1995-04-25 1995-04-25
US08/428,401 1995-04-25
US08/429,758 US6112191A (en) 1993-02-18 1995-04-27 Method and system to create and distribute excess funds from consumer spending transactions
US08/429,758 1995-04-27
US49339695A 1995-06-22 1995-06-22
US08/493,396 1995-06-22

Publications (1)

Publication Number Publication Date
CA2252638A1 true CA2252638A1 (fr) 1996-10-31

Family

ID=27411585

Family Applications (1)

Application Number Title Priority Date Filing Date
CA 2252638 Abandoned CA2252638A1 (fr) 1995-04-25 1996-04-25 Systeme et son procede d'utilisation pour l'acceptation de paiements excedentaires

Country Status (5)

Country Link
EP (1) EP0850456A4 (fr)
JP (1) JPH11505343A (fr)
CA (1) CA2252638A1 (fr)
NZ (1) NZ335926A (fr)
WO (1) WO1996034358A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11315139B2 (en) 2019-09-13 2022-04-26 Capital One Services, Llc Systems and methods for overpayment handling

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* Cited by examiner, † Cited by third party
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US7571849B2 (en) 1993-02-18 2009-08-11 Burke Bertram V Method and system to create and distribute excess funds from consumer spending transactions
KR20010005536A (ko) * 1997-03-21 2001-01-15 워커 애세트 매니지먼트 리미티드 파트너쉽 매장전용 단말기에서의 보충적인 물품판매 처리 시스템 및 방법
US7233912B2 (en) 1997-08-26 2007-06-19 Walker Digital, Llc Method and apparatus for vending a combination of products
US6941274B1 (en) * 1997-11-28 2005-09-06 Diebold, Incorporated Automated transaction machine
FR2776403B1 (fr) * 1998-03-20 2000-05-26 Roland Moreno Procede et systeme de collecte electronique de fonds
WO2001091068A2 (fr) * 2000-05-22 2001-11-29 Electronic Data Systems Corporation Procede et systeme de traitement de reglement
JP2007026471A (ja) * 2000-07-19 2007-02-01 Ooku:Kk ネットワークを利用した商品販売または購入の方法及びそのシステム
JP2002099780A (ja) * 2000-07-19 2002-04-05 Ooku:Kk ネットワークを利用した商品販売または購入の方法
US7480634B1 (en) 2001-04-17 2009-01-20 Cornelius Marketing Method and system for saving and investing through use of a money management card and pooled investment accounts
JP4623351B2 (ja) * 2001-06-05 2011-02-02 和俊 伊藤 寄付金付き旅行販売システム
JP2003067839A (ja) * 2001-08-27 2003-03-07 Fujitsu Ltd 釣銭管理システム，釣銭管理装置，現金出金機，釣銭管理方法，釣銭管理プログラム及び釣銭管理プログラムを記録したコンピュータ読取可能な記録媒体
US7080775B2 (en) * 2003-09-05 2006-07-25 American Cancer Society Methods and systems for automatically determining and collecting a monetary contribution from an instrument
JP4775628B2 (ja) * 2005-08-10 2011-09-21 信也 二神 予算指定方法および、予算指定付き支払い方法
GB0605281D0 (en) * 2006-03-16 2006-04-26 Dent Davie R Payment and recipient system
US10540712B2 (en) 2008-02-08 2020-01-21 The Pnc Financial Services Group, Inc. User interface with controller for selectively redistributing funds between accounts
US8768736B1 (en) 2008-05-12 2014-07-01 The Pnc Financial Services Group, Inc. Tracking customer spending
US8229806B1 (en) 2008-05-12 2012-07-24 The Pnc Financial Services Group, Inc. Computer implemented method of tracking customer spending and income
US8401938B1 (en) 2008-05-12 2013-03-19 The Pnc Financial Services Group, Inc. Transferring funds between parties' financial accounts
US8751385B1 (en) 2008-05-15 2014-06-10 The Pnc Financial Services Group, Inc. Financial email
US8065230B1 (en) 2008-07-14 2011-11-22 The Pnc Financial Services Group, Inc. Family purchase card for developing financial management skills
US8965798B1 (en) 2009-01-30 2015-02-24 The Pnc Financial Services Group, Inc. Requesting reimbursement for transactions
US10891037B1 (en) 2009-01-30 2021-01-12 The Pnc Financial Services Group, Inc. User interfaces and system including same
US10387853B1 (en) 2010-01-19 2019-08-20 The Pnc Financial Services Group, Inc. Secondary purchase card for financial transactions (“cap card”)
US8780115B1 (en) 2010-04-06 2014-07-15 The Pnc Financial Services Group, Inc. Investment management marketing tool
US8791949B1 (en) 2010-04-06 2014-07-29 The Pnc Financial Services Group, Inc. Investment management marketing tool
US8423444B1 (en) 2010-07-02 2013-04-16 The Pnc Financial Services Group, Inc. Investor personality tool
US8417614B1 (en) 2010-07-02 2013-04-09 The Pnc Financial Services Group, Inc. Investor personality tool
US9665908B1 (en) 2011-02-28 2017-05-30 The Pnc Financial Services Group, Inc. Net worth analysis tools
US8374940B1 (en) 2011-02-28 2013-02-12 The Pnc Financial Services Group, Inc. Wealth allocation analysis tools
US8321316B1 (en) 2011-02-28 2012-11-27 The Pnc Financial Services Group, Inc. Income analysis tools for wealth management
US9852470B1 (en) 2011-02-28 2017-12-26 The Pnc Financial Services Group, Inc. Time period analysis tools for wealth management transactions
US11113669B1 (en) 2011-04-19 2021-09-07 The Pnc Financial Services Group, Inc. Managing employee compensation information
US10169812B1 (en) 2012-01-20 2019-01-01 The Pnc Financial Services Group, Inc. Providing financial account information to users
US10937097B1 (en) 2012-02-06 2021-03-02 Acorns Grow Incorporated Systems and methods for creating excess funds from retail transactions and apportioning those funds into investments
US8781906B2 (en) 2012-02-06 2014-07-15 Walter Cruttenden Systems and methods for managing consumer transaction-based investments
USD927508S1 (en) 2013-03-14 2021-08-10 Acorns Grow Incorporated Mobile device screen or portion thereof with graphical user interface
USD928190S1 (en) 2013-03-14 2021-08-17 Acorns Grow Incorporated Mobile device screen or portion thereof with an animated graphical user interface
USD969818S1 (en) 2013-03-14 2022-11-15 Acorns Grow Inc. Mobile device screen with graphical user interface
US11176614B1 (en) 2013-03-14 2021-11-16 Acorns Grow Incorporated Systems and methods for creating excess funds from retail transactions and apportioning those funds into investments
USD972577S1 (en) 2013-03-14 2022-12-13 Acorns Grow Inc. Mobile device screen with a graphical user interface
WO2015118506A2 (fr) * 2014-02-08 2015-08-13 Singh Suvan Procédé de distribution de fonds
USD792890S1 (en) 2015-05-22 2017-07-25 Acorns Grow Incorporated Display screen or portion therof with a financial data graphical user interface
JP6231652B1 (ja) * 2016-12-28 2017-11-15 三井住友カード株式会社 貯蓄および投資システム、方法、およびプログラム
JP6271063B1 (ja) * 2017-04-28 2018-01-31 三井住友カード株式会社 資金移動システム、資金移動システムによって実行される方法およびプログラム
USD928799S1 (en) 2018-07-19 2021-08-24 Acorns Grow Incorporated Mobile device screen or portion thereof with graphical user interface
US11567655B2 (en) 2019-02-21 2023-01-31 Acorns Grow Incorporated Secure signature creation on a secondary device
USD927521S1 (en) 2019-12-09 2021-08-10 Acorns Grow Incorporated Mobile device screen or portion thereof with a graphical user interface

Family Cites Families (3)

* Cited by examiner, † Cited by third party
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US4823264A (en) * 1986-05-27 1989-04-18 Deming Gilbert R Electronic funds transfer system
US5202826A (en) * 1989-01-27 1993-04-13 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11315139B2 (en) 2019-09-13 2022-04-26 Capital One Services, Llc Systems and methods for overpayment handling

Also Published As

Publication number Publication date
JPH11505343A (ja) 1999-05-18
EP0850456A4 (fr) 2004-11-24
EP0850456A1 (fr) 1998-07-01
WO1996034358A1 (fr) 1996-10-31
NZ335926A (en) 2001-02-23

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Legal Events

Date Code Title Description
EEER Examination request
FZDE Dead