CA2374311A1 - Moyen de paiement de services financiers et methode afferente - Google Patents

Moyen de paiement de services financiers et methode afferente Download PDF

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Publication number
CA2374311A1
CA2374311A1 CA002374311A CA2374311A CA2374311A1 CA 2374311 A1 CA2374311 A1 CA 2374311A1 CA 002374311 A CA002374311 A CA 002374311A CA 2374311 A CA2374311 A CA 2374311A CA 2374311 A1 CA2374311 A1 CA 2374311A1
Authority
CA
Canada
Prior art keywords
financial services
card
cardholder
account
name
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
CA002374311A
Other languages
English (en)
Inventor
Matthew J. Gillin
Roger Korfmann
Paul L. Raden
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.)
Citibank NA
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 US09/302,218 external-priority patent/US7254557B1/en
Priority claimed from PCT/US1999/023502 external-priority patent/WO2000028461A1/fr
Application filed by Individual filed Critical Individual
Publication of CA2374311A1 publication Critical patent/CA2374311A1/fr
Abandoned legal-status Critical Current

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0407—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the identity of one or more communicating identities is hidden
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • 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
    • G07F7/02—Mechanisms 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
    • G07F7/025—Mechanisms 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Abstract

Ce moyen de paiement de services financiers possède une base de données stockée dans des supports lisibles par ordinateur, laquelle base de données comporte des enregistrements associés à plusieurs comptes actifs de carte de services financiers, l'un des enregistrements de compte de carte de services financiers ayant un nom représentant un détenteur de carte à des fins d'utilisation du compte, ce nom comportant un premier élément choisi par le détenteur et un second élément choisi par une tierce personne sans lien avec le détenteur de la carte. L'invention a également trait à une méthode consistant à sélectionner un premier élément d'un nom de détenteur de carte pour un compte, devant apparaître sur une carte de services financiers, s'il est émis une carte physique, et à accepter un choix, fait par une entité étrangère, d'un second élément du nom du détenteur de la carte pour le compte, de sorte que, pour utiliser le compte, on fournira le premier élément en remplacement d'un premier nom et le second élément en remplacement d'un nom de famille. Cette invention porte également sur une autre méthode relative à des services financiers comprenant une phase d'utilisation de la carte de services financiers pour faire un achat. Cette carte de services financiers porte un nom de détenteur de carte dont un premier élément est choisi, lors d'une première opération de sélection, par une personne sous le nom de laquelle la carte de services financiers est enregistrée, et dont un second élément est choisi, lors d'une seconde opération de sélection, ce second élément identifiant une entité autre que la personne susmentionnée.
CA002374311A 1999-04-29 1999-12-27 Moyen de paiement de services financiers et methode afferente Abandoned CA2374311A1 (fr)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US09/302,218 1999-04-29
US09/302,218 US7254557B1 (en) 1998-11-09 1999-04-29 Financial services payment vehicle and method
USPCT/US99/23502 1999-10-13
PCT/US1999/023502 WO2000028461A1 (fr) 1998-11-09 1999-10-13 Delivrance d'une carte de credit virtuelle a une personne
PCT/US1999/030830 WO2000067411A2 (fr) 1999-04-29 1999-12-27 Moyen de paiement de services financiers et methode afferente

Publications (1)

Publication Number Publication Date
CA2374311A1 true CA2374311A1 (fr) 2000-11-09

Family

ID=26795816

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002374311A Abandoned CA2374311A1 (fr) 1999-04-29 1999-12-27 Moyen de paiement de services financiers et methode afferente

Country Status (3)

Country Link
AU (1) AU2213000A (fr)
CA (1) CA2374311A1 (fr)
WO (1) WO2000067411A2 (fr)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7010512B1 (en) 1998-11-09 2006-03-07 C/Base, Inc. Transfer instrument
WO2010135305A1 (fr) 2009-05-19 2010-11-25 Mastercard International Incorporated Récompense de comportements sains et/ou encouragement à des achats appropriés au moyen d'une carte de récompense

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5420926A (en) * 1994-01-05 1995-05-30 At&T Corp. Anonymous credit card transactions
US6044360A (en) * 1996-04-16 2000-03-28 Picciallo; Michael J. Third party credit card
US5864830A (en) * 1997-02-13 1999-01-26 Armetta; David Data processing method of configuring and monitoring a satellite spending card linked to a host credit card

Also Published As

Publication number Publication date
WO2000067411A3 (fr) 2007-08-16
WO2000067411A2 (fr) 2000-11-09
AU2213000A (en) 2000-11-17

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Legal Events

Date Code Title Description
EEER Examination request
FZDE Discontinued

Effective date: 20151229