EP2467817A4 - Systems and methods for per-transaction financial card enabled personal financial management - Google Patents

Systems and methods for per-transaction financial card enabled personal financial management

Info

Publication number
EP2467817A4
EP2467817A4 EP10797775.3A EP10797775A EP2467817A4 EP 2467817 A4 EP2467817 A4 EP 2467817A4 EP 10797775 A EP10797775 A EP 10797775A EP 2467817 A4 EP2467817 A4 EP 2467817A4
Authority
EP
European Patent Office
Prior art keywords
per
systems
methods
enabled personal
transaction
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.)
Withdrawn
Application number
EP10797775.3A
Other languages
German (de)
French (fr)
Other versions
EP2467817A2 (en
Inventor
Richard H Chenot
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.)
Individual
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 US12/498,941 external-priority patent/US8265998B2/en
Priority claimed from US12/498,946 external-priority patent/US20110010254A1/en
Priority claimed from US12/498,953 external-priority patent/US8290868B2/en
Priority claimed from US12/613,729 external-priority patent/US8439274B2/en
Application filed by Individual filed Critical Individual
Publication of EP2467817A2 publication Critical patent/EP2467817A2/en
Publication of EP2467817A4 publication Critical patent/EP2467817A4/en
Withdrawn legal-status Critical Current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
    • 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
    • G06Q20/347—Passive 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
    • G06Q20/30—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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • 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
    • 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
    • G07F7/08—Mechanisms 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
EP10797775.3A 2009-07-07 2010-07-07 Systems and methods for per-transaction financial card enabled personal financial management Withdrawn EP2467817A4 (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US12/498,941 US8265998B2 (en) 2009-07-07 2009-07-07 Systems and methods for per-transaction financial card enabled personal financial management
US12/498,946 US20110010254A1 (en) 2009-07-07 2009-07-07 Transaction processing systems and methods for per-transaction personal financial management
US12/498,953 US8290868B2 (en) 2009-07-07 2009-07-07 Financial cards and methods for per-transaction personal financial management
US12/613,729 US8439274B2 (en) 2009-07-07 2009-11-06 Financial card with a per-transaction user definable magnetic strip portion
PCT/US2010/041193 WO2011005848A2 (en) 2009-07-07 2010-07-07 Systems and methods for per-transaction financial card enabled personal financial management

Publications (2)

Publication Number Publication Date
EP2467817A2 EP2467817A2 (en) 2012-06-27
EP2467817A4 true EP2467817A4 (en) 2014-04-09

Family

ID=43429814

Family Applications (1)

Application Number Title Priority Date Filing Date
EP10797775.3A Withdrawn EP2467817A4 (en) 2009-07-07 2010-07-07 Systems and methods for per-transaction financial card enabled personal financial management

Country Status (2)

Country Link
EP (1) EP2467817A4 (en)
WO (1) WO2011005848A2 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3338230A4 (en) * 2015-08-17 2019-04-17 Verrency Holdings Limited Payment devices having multiple modes of conducting financial transactions
AU2016308150B2 (en) 2015-08-17 2022-05-19 Spv Fintech Innovations Pty Ltd Payment devices having multiple modes of conducting financial transactions
FR3067492B1 (en) * 2017-06-13 2019-07-19 Ingenico Group METHOD OF TRANSMITTING DATA TO A MAGNETIC READING HEAD, RECEIVED DATA PROCESSING METHOD, PAYMENT TERMINAL AND PROGRAM THEREOF

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020153414A1 (en) * 1999-08-09 2002-10-24 First Data Corporation Systems and methods for performing transactions at a point-of-sale
US20060259390A1 (en) * 2003-06-19 2006-11-16 Rosenberger Ronald J Multiple account preset parameter method, apparatus and systems for financial transactions and accounts

Family Cites Families (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6636833B1 (en) * 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
US8103584B2 (en) * 1999-11-05 2012-01-24 American Express Travel Related Services Company, Inc. Systems and methods for authorizing an allocation of an amount between transaction accounts
KR100376213B1 (en) * 2000-03-04 2003-03-15 구홍식 A card for overall financial information
KR100476876B1 (en) * 2002-11-08 2005-03-17 박정웅 Card provided with a password input key
BR0316141A (en) * 2002-11-27 2005-10-11 Henryk Kulakowski Electronic Transaction Accounting Method and Electronic Telephone Transaction Method
US8332293B2 (en) * 2004-06-10 2012-12-11 Ronald John Rosenberger End user generated billing cycles
KR100819568B1 (en) * 2006-09-08 2008-04-04 주식회사 신한은행 System and Method for Exchanging IC Card Storing Information and Program Recording Medium
KR20090002050A (en) * 2007-06-04 2009-01-09 주식회사 신한은행 System and method for operating card with plural accounts and program recording medium
US20080319912A1 (en) * 2007-06-22 2008-12-25 Faith Patrick L Powering financial transaction token with onboard and external power source
US8733632B2 (en) * 2007-06-22 2014-05-27 Visa U.S.A. Inc. Mobile subscriber device for financial transaction tokens
KR20090036613A (en) * 2007-10-10 2009-04-15 주식회사 신한은행 System and method for registering card settlement account and recording medium
KR20080052540A (en) * 2008-05-28 2008-06-11 주식회사 신한은행 System for operating ic card

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020153414A1 (en) * 1999-08-09 2002-10-24 First Data Corporation Systems and methods for performing transactions at a point-of-sale
US20060259390A1 (en) * 2003-06-19 2006-11-16 Rosenberger Ronald J Multiple account preset parameter method, apparatus and systems for financial transactions and accounts

Also Published As

Publication number Publication date
WO2011005848A3 (en) 2011-07-07
WO2011005848A2 (en) 2011-01-13
EP2467817A2 (en) 2012-06-27

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Legal Events

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A4 Supplementary search report drawn up and despatched

Effective date: 20140312

RIC1 Information provided on ipc code assigned before grant

Ipc: G06Q 20/00 20120101ALI20140306BHEP

Ipc: G06Q 40/00 20120101AFI20140306BHEP

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