GB2066540A - Transaction device - Google Patents

Transaction device Download PDF

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Publication number
GB2066540A
GB2066540A GB7943832A GB7943832A GB2066540A GB 2066540 A GB2066540 A GB 2066540A GB 7943832 A GB7943832 A GB 7943832A GB 7943832 A GB7943832 A GB 7943832A GB 2066540 A GB2066540 A GB 2066540A
Authority
GB
United Kingdom
Prior art keywords
device
transaction
sum
transfer
bank
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Withdrawn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
GB7943832A
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.)
LETHABY and CO Ltd
Original Assignee
Lethaby & Co Ltd
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 Lethaby & Co Ltd filed Critical Lethaby & Co Ltd
Priority to GB7943832A priority Critical patent/GB2066540A/en
Publication of GB2066540A publication Critical patent/GB2066540A/en
Application status is Withdrawn legal-status Critical

Links

Classifications

    • 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
    • G07F7/10Mechanisms 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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0701Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management
    • G06K19/0702Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery
    • G06K19/0704Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery the battery being rechargeable, e.g. solar batteries
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/409Card specific authentication in transaction processing
    • G06Q20/4093Monitoring of card authentication
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00Individual entry or exit registers
    • G07C9/00007Access-control involving the use of a pass
    • G07C9/00119Access-control involving the use of a pass the pass containing active electronic elements

Abstract

A transaction device which is a pocket-size portable electronic device capable of storing therein data representing a money value and of transferring to or from like devices or other terminals data representing selected sums of money in one or a number of transactions, the stored data being up-dated at each transaction to represent the up-dated money value. The device includes a keyboard with numerical and function keys, a visual display and a data input/ output socket, is microprocessor controlled and may be powered by solar cells.

Description

SPECIFICATION Transaction device This invention relates to a device for effecting financial transactions between the use and another party or other parties.

The transaction device is a portable device capable of storing a predetermined money value issued to it, and then of transferring to or from like devices (or appropriate other devices or terminals) selected sums of money in one or a number of transactions, the stored money value being updated at each transaction.

Preferably the transaction device is an electronic device, micropcocessor-controlled, comparable in size to a credit card, or to a product calculator, having a keyboard with numerical and function keys and a display, and a plug and socket or the like. A sum of money may be issued to the device at a bank by plugging the device into a terminal at the bank and appropriately operating the keys of the device and/or keys of the bank terminal. Each transaction device is uniquely defined by a code number disclosed only to the authorised user. Each transaction then requires the authorised user to enter his code number on his keyboard in order to safeguard against fraud.

The memory of the device is preferably nonvolatile, such as a bubble memory, to avoid loss of the stored money value upon interruption of the power supply. Conveniently, the power supply may comprise solar cells, so as to achieve a 99 years life expectancy. The device may also incorporate a memory facility to store the identity code numbers of stolen, lost or the like devices and be arranged to refuse a transaction with any such devices.

Upon issuing a device with a money value, the issuing bank debits the users account accordingly.

In order subsequently to effect a transaction between two devices, the two devices may either be plugged directly together, or they may be coupled over the telephone system by each of the two devices being plugged into a telephone modem. Suppose the user A of one device wishes to purchase an item or otherwise pay a sum to the user of the other device B. A uses his device to key in this code number and depress a "transfer" key: B also keys in his code number on his device and depresses his transfer key. Assuming both code numbers are valid, A enters the date and again depresses his transfer key, and B depresses a "confirmation" key on his device. Then A keys in the sum required to be transferred to B and depresses his transfer key, this sum being displayed on his device and then on B's device. B finally verifies the sum on his display and depresses his confirmation key.The transfer is thus effected and the stored money value on A's device is debited accordingly and the stored money value on B's device likewise increased. A control key on each device provides a display of the stored money value at that time.

The transaction device may be used to pay public utilities or other bills, by plugging the device into a terminal at a paying office or into a telephone modem, the telephone number of the paying office then being dialled. The user keys on his code number, the date, the amount to be paid, a bank code and his account number.

A plurality of transactions can be held in a memory of the device for recall when required. For example, at a convenient time the user takes his device and plugs it into his bank terminal (perhaps outside the bank) or couples it to the bank terminal by telephone, having plugged his device into his telephone modem. The transactions stored in the memory are then fed into the central EFT (electronic funds transfer) network of the banking system.

An employee may have his salary paid directly into his transaction device. He may then deposit a selected sum at any location of the EFT network, whether inside or outside a bank or at a supermarket, for example. Likewise for withdrawals, a user can at any location of the EFT network transfer a requested sum from his bank account to his transaction device, having satisfied the bank as to his identity code number and his authorised credit.

The transaction device and its mode of use with various terminals (at banks, supermarkets, paying offices etc) either directly or over the telephone, makes for a fundamental change in the present banking system. Basically, it calls for a reduction in the requirement for current accounts and increases the requirement for savings and deposit accounts. Mainly, however, a massive saving in the handling of cheques within the banking system is enabled and a highly convenient mode of payment is made available to users.

1. A transaction device which is a portable electronic device capable of storing therein data representing a money value and of transferring to or from like devices or other terminals data representing selected sums of money in one or a number of transactions, the stored data being updated at each transaction to represent the updated money value.

2. A transaction device as claimed in claim 1, comprising a keyboard with numerical and function keys, and a visual display.

3. A transaction device as claimed in claim 1, comprising a data input/output for connection to a like device or other terminal for a said transfer of data representing a selected sum of money, a keyboard for keying in a sum to be transferred from the device, a visual display arranged to display the sum keyed-in for transfer, and a function key for effecting the transfer of the keyedin sum from that device.

4. A transaction device as claimed in claim 3, in which, for the transfer to that device from a like device or other terminal of data representing a sum of money, the visual display is arranged to display a sum which has been keyed-in on the keyboard of said like device or other terminal to which it is temporarily connected, one of the

**WARNING** end of DESC field may overlap start of CLMS **.

Claims (9)

**WARNING** start of CLMS field may overlap end of DESC **. SPECIFICATION Transaction device This invention relates to a device for effecting financial transactions between the use and another party or other parties. The transaction device is a portable device capable of storing a predetermined money value issued to it, and then of transferring to or from like devices (or appropriate other devices or terminals) selected sums of money in one or a number of transactions, the stored money value being updated at each transaction. Preferably the transaction device is an electronic device, micropcocessor-controlled, comparable in size to a credit card, or to a product calculator, having a keyboard with numerical and function keys and a display, and a plug and socket or the like. A sum of money may be issued to the device at a bank by plugging the device into a terminal at the bank and appropriately operating the keys of the device and/or keys of the bank terminal. Each transaction device is uniquely defined by a code number disclosed only to the authorised user. Each transaction then requires the authorised user to enter his code number on his keyboard in order to safeguard against fraud. The memory of the device is preferably nonvolatile, such as a bubble memory, to avoid loss of the stored money value upon interruption of the power supply. Conveniently, the power supply may comprise solar cells, so as to achieve a 99 years life expectancy. The device may also incorporate a memory facility to store the identity code numbers of stolen, lost or the like devices and be arranged to refuse a transaction with any such devices. Upon issuing a device with a money value, the issuing bank debits the users account accordingly. In order subsequently to effect a transaction between two devices, the two devices may either be plugged directly together, or they may be coupled over the telephone system by each of the two devices being plugged into a telephone modem. Suppose the user A of one device wishes to purchase an item or otherwise pay a sum to the user of the other device B. A uses his device to key in this code number and depress a "transfer" key: B also keys in his code number on his device and depresses his transfer key. Assuming both code numbers are valid, A enters the date and again depresses his transfer key, and B depresses a "confirmation" key on his device. Then A keys in the sum required to be transferred to B and depresses his transfer key, this sum being displayed on his device and then on B's device. B finally verifies the sum on his display and depresses his confirmation key.The transfer is thus effected and the stored money value on A's device is debited accordingly and the stored money value on B's device likewise increased. A control key on each device provides a display of the stored money value at that time. The transaction device may be used to pay public utilities or other bills, by plugging the device into a terminal at a paying office or into a telephone modem, the telephone number of the paying office then being dialled. The user keys on his code number, the date, the amount to be paid, a bank code and his account number. A plurality of transactions can be held in a memory of the device for recall when required. For example, at a convenient time the user takes his device and plugs it into his bank terminal (perhaps outside the bank) or couples it to the bank terminal by telephone, having plugged his device into his telephone modem. The transactions stored in the memory are then fed into the central EFT (electronic funds transfer) network of the banking system. An employee may have his salary paid directly into his transaction device. He may then deposit a selected sum at any location of the EFT network, whether inside or outside a bank or at a supermarket, for example. Likewise for withdrawals, a user can at any location of the EFT network transfer a requested sum from his bank account to his transaction device, having satisfied the bank as to his identity code number and his authorised credit. The transaction device and its mode of use with various terminals (at banks, supermarkets, paying offices etc) either directly or over the telephone, makes for a fundamental change in the present banking system. Basically, it calls for a reduction in the requirement for current accounts and increases the requirement for savings and deposit accounts. Mainly, however, a massive saving in the handling of cheques within the banking system is enabled and a highly convenient mode of payment is made available to users. CLAIMS
1. A transaction device which is a portable electronic device capable of storing therein data representing a money value and of transferring to or from like devices or other terminals data representing selected sums of money in one or a number of transactions, the stored data being updated at each transaction to represent the updated money value.
2. A transaction device as claimed in claim 1, comprising a keyboard with numerical and function keys, and a visual display.
3. A transaction device as claimed in claim 1, comprising a data input/output for connection to a like device or other terminal for a said transfer of data representing a selected sum of money, a keyboard for keying in a sum to be transferred from the device, a visual display arranged to display the sum keyed-in for transfer, and a function key for effecting the transfer of the keyedin sum from that device.
4. A transaction device as claimed in claim 3, in which, for the transfer to that device from a like device or other terminal of data representing a sum of money, the visual display is arranged to display a sum which has been keyed-in on the keyboard of said like device or other terminal to which it is temporarily connected, one of the function keys of its own keyboard being then operable to effect the up-dating of the data stored by itself.
5. A transaction device as claimed in any one of claims 2 to 4, in which one of the function keys is operable for causing the visual display to display the sum currently stored by the device.
6. A transaction device as claimed in any one of claims 2 to 5, in which the device is arranged to be enabled, prior to any said transfer, by keying-in an identifying code number.
7. A transaction device as claimed in any preceding claim, comprising a memory effective to store a plurality of said transactions carried out on the device.
8. A transaction device as claimed in any preceding claim, comprising solar cells for powering the device.
9. A transaction device substantially as herein described.
GB7943832A 1979-12-20 1979-12-20 Transaction device Withdrawn GB2066540A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB7943832A GB2066540A (en) 1979-12-20 1979-12-20 Transaction device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB7943832A GB2066540A (en) 1979-12-20 1979-12-20 Transaction device

Publications (1)

Publication Number Publication Date
GB2066540A true GB2066540A (en) 1981-07-08

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Cited By (32)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0057602A2 (en) * 1981-01-30 1982-08-11 Chalmers, David Arthur Adaptable value token
EP0086286A1 (en) * 1982-02-11 1983-08-24 Powell, William S. Information communicating apparatus and method
WO1983003018A1 (en) * 1982-02-25 1983-09-01 Ericsson Telefon Ab L M A portable device for storing and transferring data
GB2128794A (en) * 1982-10-13 1984-05-02 De La Rue Syst Cash dispensing systems
GB2130412A (en) * 1982-02-19 1984-05-31 John Wolfgang Halpern Electronic money purse
WO1985002700A1 (en) * 1983-12-05 1985-06-20 American Transcommunication Corporation Data terminal and system for placing orders
EP0168836A2 (en) * 1984-07-20 1986-01-22 Oki Electric Industry Company, Limited IC card and IC card reader
EP0172670A2 (en) * 1984-07-27 1986-02-26 Technion Research & Development Foundation An apparatus for effecting and recording monetary transactions
EP0196028A2 (en) * 1985-03-25 1986-10-01 Casio Computer Company Limited Identification card including switching means for built-in battery
EP0203683A2 (en) * 1985-04-26 1986-12-03 Visa International Service Association Transaction card
FR2583538A1 (en) * 1985-06-13 1986-12-19 Brechet Michel Removable control card with keyboard
US4634845A (en) * 1984-12-24 1987-01-06 Ncr Corporation Portable personal terminal for use in a system for handling transactions
US4689478A (en) * 1984-12-24 1987-08-25 Ncr Corporation System for handling transactions including a portable personal terminal
EP0239505A1 (en) * 1986-03-28 1987-09-30 François Desgigot Transaction execution method and microcomputer, particularly for transport ticket or game receipt processing
GB2191029A (en) * 1986-05-29 1987-12-02 Almex Systems Ltd Electronic pass
EP0256768A2 (en) * 1986-08-05 1988-02-24 Oki Electric Industry Company, Limited Transaction processing apparatus
US4734858A (en) * 1983-12-05 1988-03-29 Portel Services Network, Inc. Data terminal and system for placing orders
WO1993007596A1 (en) * 1991-10-04 1993-04-15 Dino Condolf Electronic wallet
WO1993008545A1 (en) * 1991-10-16 1993-04-29 Jonhig Limited Value transfer system
WO1994022116A2 (en) * 1993-03-19 1994-09-29 Giannino Santiglia Electronic terminal for the transfer and receipt of money
EP0619564A1 (en) * 1986-09-02 1994-10-12 Pitney Bowes, Inc. Automated transaction system with insertable cards for transferring account data
EP0785517A2 (en) * 1991-11-15 1997-07-23 Citibank, N.A. Electronic-monetary system
USRE36788E (en) * 1990-09-06 2000-07-25 Visa International Service Association Funds transfer system
FR2798212A1 (en) 1999-09-06 2001-03-09 Gemplus Card Int Portable electronic device with display messages and loading means for the latter
USRE38419E1 (en) 1986-05-13 2004-02-10 Ncr Corporation Computer interface device
NL1025102C2 (en) * 2003-12-22 2005-06-23 Petrus Marinus Johanne Heyboer A device for carrying out financial transactions and / or other value transfers between persons who are in possession of card (s) and / or pass (es) with a built-in data storage medium such as, for example, a chip (IC).
US6912510B1 (en) * 1992-05-29 2005-06-28 Alice Corporation Pty Ltd Methods of exchanging an obligation
US7340433B1 (en) * 1999-07-30 2008-03-04 Orbian Management Limited System and method of transaction settlement using trade credit
US7376583B1 (en) 1999-08-10 2008-05-20 Gofigure, L.L.C. Device for making a transaction via a communications link
US8027913B1 (en) 1999-11-29 2011-09-27 Rani K. Yadav-Ranjan Process and device for conducting electronic transactions
US8249982B1 (en) 1999-08-10 2012-08-21 Gofigure Payments, Llc Electronic payment method for making payments using a mobile identifier
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods

Cited By (55)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0057602A2 (en) * 1981-01-30 1982-08-11 Chalmers, David Arthur Adaptable value token
EP0057602A3 (en) * 1981-01-30 1982-08-25 Chalmers, David Arthur Adaptable value token
EP0086286A1 (en) * 1982-02-11 1983-08-24 Powell, William S. Information communicating apparatus and method
GB2130412A (en) * 1982-02-19 1984-05-31 John Wolfgang Halpern Electronic money purse
WO1983003018A1 (en) * 1982-02-25 1983-09-01 Ericsson Telefon Ab L M A portable device for storing and transferring data
GB2128794A (en) * 1982-10-13 1984-05-02 De La Rue Syst Cash dispensing systems
US4734858A (en) * 1983-12-05 1988-03-29 Portel Services Network, Inc. Data terminal and system for placing orders
WO1985002700A1 (en) * 1983-12-05 1985-06-20 American Transcommunication Corporation Data terminal and system for placing orders
EP0168836A2 (en) * 1984-07-20 1986-01-22 Oki Electric Industry Company, Limited IC card and IC card reader
US4746787A (en) * 1984-07-20 1988-05-24 Oki Electric Industry Co., Ltd. IC card with display and card recording and reading device
EP0168836A3 (en) * 1984-07-20 1987-09-23 Oki Electric Industry Company, Limited Ic card and ic card reader
EP0172670A2 (en) * 1984-07-27 1986-02-26 Technion Research & Development Foundation An apparatus for effecting and recording monetary transactions
EP0172670A3 (en) * 1984-07-27 1987-01-21 Technion Research & Development Foundation An apparatus for effecting and recording monetary transactions
US4634845A (en) * 1984-12-24 1987-01-06 Ncr Corporation Portable personal terminal for use in a system for handling transactions
US4689478A (en) * 1984-12-24 1987-08-25 Ncr Corporation System for handling transactions including a portable personal terminal
EP0196028A3 (en) * 1985-03-25 1988-12-28 Casio Computer Company Limited Identification card including switching means for built-in battery
EP0196028A2 (en) * 1985-03-25 1986-10-01 Casio Computer Company Limited Identification card including switching means for built-in battery
EP0203683A2 (en) * 1985-04-26 1986-12-03 Visa International Service Association Transaction card
EP0203683A3 (en) * 1985-04-26 1988-07-27 Visa International Service Association Transaction card
FR2583538A1 (en) * 1985-06-13 1986-12-19 Brechet Michel Removable control card with keyboard
FR2596550A1 (en) * 1986-03-28 1987-10-02 Desgigot Francois Method for transaction execution and microcomputer for its implementation, including as a transport or playslip
EP0239505A1 (en) * 1986-03-28 1987-09-30 François Desgigot Transaction execution method and microcomputer, particularly for transport ticket or game receipt processing
USRE38419E1 (en) 1986-05-13 2004-02-10 Ncr Corporation Computer interface device
GB2191029B (en) * 1986-05-29 1990-12-12 Almex Control Systems Ltd Electronic pass
GB2191029A (en) * 1986-05-29 1987-12-02 Almex Systems Ltd Electronic pass
EP0256768A3 (en) * 1986-08-05 1989-10-18 Oki Electric Industry Company, Limited Transaction processing apparatus
US4877947A (en) * 1986-08-05 1989-10-31 Oki Electric Industry Co., Ltd. Transaction processing system
EP0256768A2 (en) * 1986-08-05 1988-02-24 Oki Electric Industry Company, Limited Transaction processing apparatus
EP0619564A1 (en) * 1986-09-02 1994-10-12 Pitney Bowes, Inc. Automated transaction system with insertable cards for transferring account data
USRE36788E (en) * 1990-09-06 2000-07-25 Visa International Service Association Funds transfer system
WO1993007596A1 (en) * 1991-10-04 1993-04-15 Dino Condolf Electronic wallet
US5440634A (en) * 1991-10-16 1995-08-08 Jonhig Limited Value transfer system
WO1993008545A1 (en) * 1991-10-16 1993-04-29 Jonhig Limited Value transfer system
EP0785517A3 (en) * 1991-11-15 1999-08-18 Citibank, N.A. Electronic-monetary system
US6122625A (en) 1991-11-15 2000-09-19 Citibank, N.A. Apparatus and method for secure transacting
EP0785517A2 (en) * 1991-11-15 1997-07-23 Citibank, N.A. Electronic-monetary system
US8401954B2 (en) 1992-05-29 2013-03-19 Alice Corporation Pty Ltd. Systems relating to the formulation of risk management contracts
US6912510B1 (en) * 1992-05-29 2005-06-28 Alice Corporation Pty Ltd Methods of exchanging an obligation
US7149720B2 (en) 1992-05-29 2006-12-12 Alice Corporation Pty Ltd Systems for exchanging an obligation
US7822676B2 (en) 1992-05-29 2010-10-26 Alice Corporation Pty Ltd Systems and methods relating to the formulation of a multi-party contract
US7725375B2 (en) 1992-05-29 2010-05-25 Alice Corporation Pty Ltd Systems and computer program products for exchanging an obligation
WO1994022116A3 (en) * 1993-03-19 1994-11-10 Marino Convento Electronic terminal for the transfer and receipt of money
WO1994022116A2 (en) * 1993-03-19 1994-09-29 Giannino Santiglia Electronic terminal for the transfer and receipt of money
US7340433B1 (en) * 1999-07-30 2008-03-04 Orbian Management Limited System and method of transaction settlement using trade credit
US7376583B1 (en) 1999-08-10 2008-05-20 Gofigure, L.L.C. Device for making a transaction via a communications link
US8756153B1 (en) 1999-08-10 2014-06-17 Gofigure Payments, Llc System and method for mobile payment at point of sale
US8249982B1 (en) 1999-08-10 2012-08-21 Gofigure Payments, Llc Electronic payment method for making payments using a mobile identifier
US8504472B1 (en) 1999-08-10 2013-08-06 Gofigure Payments, Llc Electronic payment method for making payments using a mobile identifier
FR2798212A1 (en) 1999-09-06 2001-03-09 Gemplus Card Int Portable electronic device with display messages and loading means for the latter
WO2001018747A1 (en) 1999-09-06 2001-03-15 Gemplus Portable electronic device with display unit and means for loading messages for the latter
US8527407B1 (en) 1999-11-29 2013-09-03 Purple Leaf, Llc Process and device for conducting electronic transactions using wireless and cellular devices
US8744963B1 (en) 1999-11-29 2014-06-03 Purple Leaf, Llc Method for transferring an amount to be paid
US8027913B1 (en) 1999-11-29 2011-09-27 Rani K. Yadav-Ranjan Process and device for conducting electronic transactions
NL1025102C2 (en) * 2003-12-22 2005-06-23 Petrus Marinus Johanne Heyboer A device for carrying out financial transactions and / or other value transfers between persons who are in possession of card (s) and / or pass (es) with a built-in data storage medium such as, for example, a chip (IC).
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods

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