WO2002003290A1 - Systeme et procede permettant la recharge anonyme de comptes a valeur stockee - Google Patents

Systeme et procede permettant la recharge anonyme de comptes a valeur stockee Download PDF

Info

Publication number
WO2002003290A1
WO2002003290A1 PCT/US2001/019899 US0119899W WO0203290A1 WO 2002003290 A1 WO2002003290 A1 WO 2002003290A1 US 0119899 W US0119899 W US 0119899W WO 0203290 A1 WO0203290 A1 WO 0203290A1
Authority
WO
WIPO (PCT)
Prior art keywords
account
stored value
transaction
financial
anonymous authentication
Prior art date
Application number
PCT/US2001/019899
Other languages
English (en)
Inventor
John P. Shannon
Claude C. Bouffard
Jim B. Somerville
Original Assignee
Gopin 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 Gopin Inc. filed Critical Gopin Inc.
Priority to AU2001271375A priority Critical patent/AU2001271375A1/en
Publication of WO2002003290A1 publication Critical patent/WO2002003290A1/fr

Links

Classifications

    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor
    • 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
    • G06Q20/28—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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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

Definitions

  • Stored value accounts such as telephone calling cards
  • the user may call an (800) number
  • value card or other instrument may be anonymous, such as by
  • stored value account may be anonymous to the card issuer
  • consumer's choice may be aware of the consumer's identity, but
  • FIG. 1 illustrates the principle elements according to
  • FIG. 2 illustrates a the principle elements of the
  • Figure 3 illustrates a matrix indicating the availability
  • FIG. 4 illustrates an overall architecture for
  • FIG. 5 illustrates an overall architecture for
  • client 111 communicates via communication link 401 to one or
  • the stored value account identifier 121 may be or
  • the client 111 in the environment may be or include, for
  • the client 102 may also be or include a
  • network-enabled appliance such as a WebTVTM unit, radio-enabled
  • PalmTM Pilot or similar unit a set- top box, a networkable
  • game-playing console such as Sony PlaystationTM or Sega
  • Drea castTM a browser-equipped cellular .telephone, or other
  • TCP/IP client a magnetic swipe-card reader connected to a
  • the Internet for instance, the Internet, an intranet, a PAN (Personal Area
  • LAN Local Area Network
  • WAN Wide Area Network
  • MAN Micropolitan Area Network
  • AIN Advanced Intelligent Network
  • SONET synchronous optical network
  • Tl T3 or El line
  • Digital Data Service (DDS) connection DSL
  • V.90, V.34 or V.34bis analog modem connection such as a V.90, V.34 or V.34bis analog modem connection
  • FDDI Fiber Distributed Data Interface
  • CDDI Code Division Multiple Interface
  • link 401 may furthermore be, include or interface to any one
  • WAP Wireless Application Protocol
  • GPRS GPRS
  • GSM Global System for Mobile communications
  • CDMA Code Division Multiple
  • TDMA Time Division Multiple Access
  • GPS Global Positioning System
  • CDPD cellular digital packet data
  • RIM Research in
  • communications link 401 may yet further be, include or
  • communications links may include the same types of resources.
  • SSL Secure Sockets Layer
  • communications link 410 which may connect a consumer or user
  • the communications link 402 may connect the merchant or
  • links 411, 412 may connect participating banks to banks, a
  • bank to 'a business may be or employ virtual private
  • the communications links 433, 434, 435 may be physical.
  • the communications link 435 may be or interface to the common channel signaling number 7 (CCS#7)
  • the communications links 441, 442 may involve non ⁇
  • the vendor or vendors 112 communicate with the network
  • the transaction server 421 may be or
  • the transaction server 421 is
  • the stored value account 120 in turn may consist of a
  • the stored value account database network 424 may be or
  • telecommunications resources may furthermore be or
  • the network interface 422
  • the transaction authentication database network 424 may
  • authentication database network 424 may likewise be, include
  • database 110 may further be, include or interface ' to, for example, the OracleTM relational database sold commercially by
  • Database 2 or other data storage or query formats or
  • the recharge database network 422 may be or include
  • network 424 configured to manage the bank or other financial
  • merchants 112 using transaction identifier 121 may be
  • identifier 121 may be or include multi-part keys, consisting of
  • a public identifier such as an account number and a secret
  • the recharge identifier 122 may bear no relationship to
  • the transaction identifier 121 may consist in whole or in part of the transaction identifier or a subset or
  • recharge identifier 122 may
  • manager 110 creates an individual account 123a consisting of a
  • the network account manager 110 may
  • the network account manager 110 may distribute accounts
  • a customer Ilia may obtain the account from the
  • the consumer might obtain a card containing the
  • Ilia may be required or given the capability to activate the
  • a consumer Ilia may obtain a stored value account 123a
  • an individual consumer Ilia may engage with an individual
  • the consumer discloses
  • merchant 112a provides the goods to consumer Ilia in
  • This embodiment may pose a potential
  • the consumer Ilia does not disclose the
  • Consumer Ilia provides
  • merchant 112a may interact or communicate with other entities
  • network account manager 110 is not necessarily made aware of
  • the financial institution 113a may by prearrangement
  • the consumer Ilia may transmit a
  • the account 120 through the recharge identifier 122 be the
  • the merchant 112 receives any information concerning recharge
  • network account manager with the identity of consumer Ilia.
  • transaction server 421 for transaction purposes with the
  • any transaction ID (such as sales
  • the distributor 114 may
  • the network account manager 110 is only necessarily aware of
  • the merchants are only aware of the goods and services
  • bank or credit card issuer may only be aware of the i consumer's identity along with the internal banking
  • the network account manager 110 learns the transaction ID
  • network database 120 is
  • vendor 208 and authentication entity 210 may provide
  • authenticated stored value account 123 creates a more cash ⁇
  • a further aspect of the invention is that the stored
  • value account 123 is preferably instantiated as a network
  • This network database (or networks of databases) .
  • first function may be performed using an authentication
  • transaction ID 121 which could be a calling card number
  • the second function could represent a set of bank
  • the third function might be a
  • parts of the network database may be owned and operated by
  • a network account manager may wish to
  • the authentication resources again may be of a partial
  • billing against the consumer's account, telephone bill or otherwise may be triggered by a validated authentication
  • the vendor may consequently receive payment directly
  • network account manager 110 different of these functions may
  • transaction ID 121 and recharge ID 123 could either be a subset, a superset or co-extensive set with each other, or
  • the invention may also be

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système permettant de recharger de manière anonyme la valeur stockée de comptes de téléphone, d'essence, de distribution automatique ou autres, et la constitution d'un compte d'authentification secondaire pour l'utilisation consécutive de la valeur sur la carte ou un autre moyen de paiement afin d'effectuer des transactions de la même manière qu'avec de l'argent liquide, sans divulgation d'informations personnelles. Lorsqu'un consommateur (111) souhaite ajouter de la valeur à une carte épuisée ou à un autre moyen de payement, il peut communiquer avec une banque, un émetteur de cartes de crédit ou d'autres institutions financières (113) pour affecter un montant à une recharge, montant qui peut alors être communiqué sans l'identité du consommateur à l'administrateur du compte. L'administrateur du compte valide et applique à son tour ce crédit, comme si c'était de l'argent liquide, sur le moyen de payement à valeur stockée, permettant ainsi une recharge immédiate du montant disponible sur la carte. Nulle autre partie que le consommateur ne peut connaître l'identité du consommateur, les informations relatives aux achats et d'autres détails, même si des transactions peuvent être reconstituées par une procédure légale appropriée.
PCT/US2001/019899 2000-06-22 2001-06-22 Systeme et procede permettant la recharge anonyme de comptes a valeur stockee WO2002003290A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001271375A AU2001271375A1 (en) 2000-06-22 2001-06-22 System and method for anonymous recharging of stored value accounts

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US59898700A 2000-06-22 2000-06-22
US09/598,987 2000-06-22

Publications (1)

Publication Number Publication Date
WO2002003290A1 true WO2002003290A1 (fr) 2002-01-10

Family

ID=24397735

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/019899 WO2002003290A1 (fr) 2000-06-22 2001-06-22 Systeme et procede permettant la recharge anonyme de comptes a valeur stockee

Country Status (2)

Country Link
AU (1) AU2001271375A1 (fr)
WO (1) WO2002003290A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1490745A2 (fr) * 2002-03-14 2004-12-29 Euronet Worldwide, Inc. Systeme et procede pour l'achat de biens et de services a travers des points d'acces a un reseau de donnees sur un reseau de points de vente
FR2889784A1 (fr) * 2005-08-10 2007-02-16 Claude Mathieu Franc Trapletti Dispositif nomade de distribution et d'utilisation de carte recharge electronique
US7346927B2 (en) 2002-12-12 2008-03-18 Access Business Group International Llc System and method for storing and accessing secure data
CN100411415C (zh) * 2003-06-13 2008-08-13 腾讯科技（深圳）有限公司 一种通过声讯方式的个人帐户充值方法和系统

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5963647A (en) * 1997-02-14 1999-10-05 Citicorp Development Center, Inc. Method and system for transferring funds from an account to an individual
US6014646A (en) * 1995-06-08 2000-01-11 France Telecom Process for making a payment using an account manager
US6064990A (en) * 1998-03-31 2000-05-16 International Business Machines Corporation System for electronic notification of account activity
US6062472A (en) * 1996-12-23 2000-05-16 Koninklijke Ptt Nederland N.V. System and method for increasing a value of an electronic payment card including performing a restore transaction in response to interruption of a value increase transaction
US6078902A (en) * 1997-04-15 2000-06-20 Nush-Marketing Management & Consultance System for transaction over communication network

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6014646A (en) * 1995-06-08 2000-01-11 France Telecom Process for making a payment using an account manager
US6062472A (en) * 1996-12-23 2000-05-16 Koninklijke Ptt Nederland N.V. System and method for increasing a value of an electronic payment card including performing a restore transaction in response to interruption of a value increase transaction
US5963647A (en) * 1997-02-14 1999-10-05 Citicorp Development Center, Inc. Method and system for transferring funds from an account to an individual
US6078902A (en) * 1997-04-15 2000-06-20 Nush-Marketing Management & Consultance System for transaction over communication network
US6064990A (en) * 1998-03-31 2000-05-16 International Business Machines Corporation System for electronic notification of account activity

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1490745A2 (fr) * 2002-03-14 2004-12-29 Euronet Worldwide, Inc. Systeme et procede pour l'achat de biens et de services a travers des points d'acces a un reseau de donnees sur un reseau de points de vente
EP1490745A4 (fr) * 2002-03-14 2005-04-27 Euronet Worldwide Inc Systeme et procede pour l'achat de biens et de services a travers des points d'acces a un reseau de donnees sur un reseau de points de vente
US7346927B2 (en) 2002-12-12 2008-03-18 Access Business Group International Llc System and method for storing and accessing secure data
CN100411415C (zh) * 2003-06-13 2008-08-13 腾讯科技（深圳）有限公司 一种通过声讯方式的个人帐户充值方法和系统
FR2889784A1 (fr) * 2005-08-10 2007-02-16 Claude Mathieu Franc Trapletti Dispositif nomade de distribution et d'utilisation de carte recharge electronique

Also Published As

Publication number Publication date
AU2001271375A1 (en) 2002-01-14

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