WO2003079262A1 - Systeme et procede de carte de debit rechargeable - Google Patents

Systeme et procede de carte de debit rechargeable Download PDF

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Publication number
WO2003079262A1
WO2003079262A1 PCT/US2002/007035 US0207035W WO03079262A1 WO 2003079262 A1 WO2003079262 A1 WO 2003079262A1 US 0207035 W US0207035 W US 0207035W WO 03079262 A1 WO03079262 A1 WO 03079262A1
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WO
WIPO (PCT)
Prior art keywords
card
cards
sub
account
point
Prior art date
Application number
PCT/US2002/007035
Other languages
English (en)
Inventor
Adam Coyle
Original Assignee
First Data Corporation A Delaware Corporation
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 First Data Corporation A Delaware Corporation filed Critical First Data Corporation A Delaware Corporation
Priority to AU2002245628A priority Critical patent/AU2002245628A1/en
Priority to PCT/US2002/007035 priority patent/WO2003079262A1/fr
Publication of WO2003079262A1 publication Critical patent/WO2003079262A1/fr

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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
    • G06Q20/04—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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/34—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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G06Q20/40—Authorisation, 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
    • G06Q20/403—Solvency checks
    • 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
    • G06Q20/40—Authorisation, 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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

Definitions

  • the present invention relates generally to debit cards, and in particular to a non-cash, value-added, reloadable card which can be issued anonymously.
  • Stimson et al. U.S. Patent No. 5,511,114 The Stimson et al. U.S. Patents No. 5,577,109 and No. 5,721,768 also show pre-paid (i.e., debit) cards, which are designed for general purchases.
  • pre-paid i.e., debit
  • Debit cards are also used for obtaining cash from pre-funded accounts.
  • the Cucinotta et al. U.S. Patent No. 5,663,546 discloses an example of such a card.
  • the cardholder can remain anonymous whereby cash transfers can be made confidentially.
  • the global computer network (“Internet") has been utilized for loading debit cards, which can then be used for making purchases over the global computer network.
  • An example of such a system and architecture is shown in the Davis et al. U.S. Patent No. 6,105,008.
  • debit cards include "gift" cards, which are typically not reloadable. Gift cards are available in variations which permit cash to be dispensed and in other variations which are restricted to purchases of goods and services. For example, Western Union offers gift cards for dispensing cash to card holders, who can remain anonymous. Heretofore there has not been available a reloadable debit card system and method for purchasing goods and services with the advantages and features of the present invention.
  • a reloadable, non-cash dispensing debit card system includes an issuing institution with a main account. Multiple sub-accounts are established under the main account and are associated with respective debit cards issued by the issuing institution.
  • the debit cards are pre-assigned sub-account numbers and incremental face values. The face values can be determined by a cardholder/purchaser within a predetermined incremental value structure allowing the face value of the card to be adjusted in predetermined increments.
  • the cards are distributed to retail (POS) establishments for sale to cardholders/purchasers who can use them for purchasing goods and services, but not for cash redemption.
  • the cards can be used to purchase negotiable instruments, such as money orders.
  • an issuing institution establishes a main account with sub-accounts which are assigned identifying numbers associated with individual debit cards.
  • the cards are distributed to retail (POS) merchants and sold to customers/cardholders. Goods and services are purchased with the cards, which can be reloaded with additional value in predetermined increments.
  • the principal objects and advantages of the present invention include: providing a reloadable debit card system and method; providing a debit card for such a system; providing such a card which can be used anonymously; providing such a card which can be reloaded in predetermined increments; providing such a card which can be restricted to goods and services purchases; providing such a card which can be preprinted for distribution to retail (POS) establishments for resale; providing such a card which can be used for the purchase of goods and services throughout a network of subscribing merchants; providing a method of purchasing goods and services with reloadable debit cards; providing such a method wherein the cards are preprinted; providing such a method wherein the cards are reloadable in incremental value amounts; and providing a card-based purchasing system and method which are efficient in operation, secure and particularly well adapted for the proposed uses thereof.
  • Fig. 1 is a schematic block diagram of a reloadable debit card system embodying the present invention.
  • Fig. 2 is a flow diagram of a reloadable debit card method embodying the present invention.
  • the reference numeral 2 generally designates a system for purchasing goods and services with a reloadable (value-added) debit card 10.
  • the system 2 includes a card-issuing institution 4.
  • the institution 4 can comprise any suitable financial institution, such as a bank, a credit/debit card company, a credit union, etc.
  • a host computer 6 is associated with the issuing institution 4 for supporting the system 2.
  • a point-of-sale (POS) retail establishment network 8 comprises merchants and other entities providing goods and services which preferably subscribe to the card-acceptance program of the institution 4.
  • the institution 4 can comprise a major credit card company and the POS network 8 can accept the credit card as a form of payment for their respective goods and services. It will be appreciated that by aligning the system 2 with such an institution, a very large and widespread market can potentially be reached due to the widespread acceptance and usability of value-added cards 10 issued by the institution 2.
  • FIG. 1 shows two POS retail establishment networks 8, which can comprise retail merchants respectively issuing the card 10 and conducting a sales transaction with the card holder 11.
  • the same POS retail establishments 8 can conduct both activities, i.e., card 10 sales and merchandise sales.
  • the number of retail establishments in the network 8 is virtually unlimited and all of them can conduct transactions in both cards 10 and merchandise.
  • the cards 10 can be preprinted by the institution 4 for distribution to the POS network 8 for sales to individual consumers 12 who thereby become holders of sub- accounts 12.
  • the sub-accounts 12 are established under a main account 14 maintained by the institution 4 and represent an aggregate of the sub-accounts 12 in a particular system 2.
  • Each card 10 is imprinted with a sub-account identifier 18, such as a number or combination of alpha and/or numeric characters or digits, which are associated with a respective sub-account 12.
  • the printed identifier 18 can be selectively covered by a concealing strip 20, which can be in place, for example, prior to purchase and removed by the sub-account holder 11 prior to use. In this manner security can be provided whereby the identifier 18 is kept confidential.
  • Each card 10 is also equipped with a magnetic strip 22 for recording the identifier 18 which can be detected by a magnetic card reader 24 associated with a POS establishment 8.
  • the card reader 24 is connected to a POS computer terminal 26, which is linked (e.g. hardwired, via internet, wirelessly, etc.) to the institution host computer 6. Transactions can thus be submitted essentially instantaneously to the institution 4 for approval or rejection, depending upon the account balance in the sub-account 12.
  • Security is provided for the system 2 by employing several procedures. Firstly, the use of the card 10 can be limited to payment for goods and/or services, which can broadly include negotiable instruments such as money orders, cashiers checks, travelers checks, etc., made payable to the sub-account holder.
  • the cards 10 are less inviting for theft, misuse, etc.
  • the concealed identifier 18 also provides security, and the card 10 can be imprinted with a suitable legend 28 suggesting that the identifier 18 be kept confidential and that the card not be accepted with a pre-exposed identifier 18, which might indicate that security for the card 10 had been compromised.
  • the POS establishment 8 can require the use of a magnetic card reader 24 for insuring that the card 10 must physically be present for a transaction to be conducted.
  • a PIN could be assigned to each sub-account 12, which PIN would not appear on the card 10 but would be known to the sub-account holder 11 for verification of his or her card ownership and hence authorization to conclude the transaction.
  • VALUE-ADDED CARD TRANSACTION METHOD Fig. 2 is a flow chart depicting an exemplary debit or value-added card transaction method embodying the present invention.
  • the method commences at start 100 and proceeds to an establish main account by card-issuing institution step 102.
  • the main account is configured with multiple sub-accounts established at 104 and each sub- account 12 is assigned an account number at 106.
  • Incremental face values for the cards 10 are determined at 107.
  • the cards 10 can have predetermined incremental face values of $5, $10, etc.
  • Cards 10 are printed with their sub-account numbers at 108.
  • the cards 10 can optionally be provided with magnetic strips 22 at decision block 110 which, if answered affirmatively, results in the cards 10 being encoded with their sub-account numbers at 111. If the cards do not have magnetic strips 22 (negative branch from decision block 110), or after the sub-account numbers are encoded at 111, the method proceeds to distributing the cards 10 to merchant (POS) establishments 8 at 112.
  • POS merchant
  • the cards 10 can be pre-distributed to the POS network at 112 for inventorying same.
  • the card sales occur at 114 whereupon the sub-accounts 12 are credited at 116 and the POS establishment collects the card fees representing the card values plus the transaction fees at 117.
  • Procedures for implementing the method can be simplified by providing the added value in predetermined increments, such as $5, $10, $20, etc., as indicated by the determine incremental face value step 107.
  • the sub-account holder purchases goods and/or services (i.e., at any POS establishment subscribing to the POS network 8) with the card 10 at 118 whereupon the sub-account number is input at 120.
  • the account number input step 130 can be accomplished in various ways.
  • the account number could be read by a magnetic card reader from the magnetic strip.
  • the account number could be input with a keypad or numeric keyboard.
  • the account number could be input remotely, e.g., by telephone or by global computer network (Internet).
  • Purchase authorization is requested by the POS member establishment 8 at 122 by transmitting the sub-account number and the requested amount (i.e., price) to the issuing institution 4 at 124. If a magnetic strip 22 is present on the card 10, as determined at decision block 126, the card 10 is swiped by a magnetic card reader 22 at 128. If the decision at 126 is negative, or after swiping the card at 128, a "Sufficient Funds?" decision box 130 is reached.
  • the transaction is authorized at 132 and the method proceeds to an end block 134. If the sub-account balance is insufficient to cover the transaction and any fees associated therewith (negative branch from "Sufficient Funds?" decision block 130), the method proceeds to a "Reload Card?” decision block at 136. The affirmative branch from the decision block 136 leads to the credit sub-account step at 114. Otherwise (negative branch from "Reload Card?" decision block 136) the method proceeds to the end block 134. It will be appreciated that the card 10 can be utilized indefinitely by simply adding to its incremental value as needed at 116.
  • the affirmative branch from a "Purchase Negotiable Instrument?" decision block 138 provides for payment of all or part of the entire value of the card (after deducting transaction fees). Payment can be made in the form of a negotiable instrument, such as a money order, cashiers check, etc. made payable to the sub-account holder 11. The sub-account holder 11 can present the negotiable instrument for cashing same. Such a negotiable instrument purchase can be handled like any other goods or services purchase with the card 10.
  • the negative branch from the "Purchase Negotiable Instrument?" decision block 138 leads to the end block 140.

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

Abstract

L'invention concerne un système (2) et un procédé de carte de débit rechargeable comprenant une institution d'émission (4) auprès de laquelle un compte principal et des sous-comptes multiples sont ouverts. Chaque sous-compte correspond à un titulaire de carte respectif. Le sous-comptes sont établis et des cartes de débit (10) sont imprimées avec des numéros respectifs de sous-comptes avant distribution de ces cartes sur un réseau de distribution à points de vente (8). Les cartes (10) sont achetées par des établissements, membres du réseau de points de vente, selon des valeurs incrémentales déterminées qui correspondent à des crédits dans les sous-comptes (12). Les cartes (10) peuvent se voir attribuer de telles valeurs par incréments. Des marchandises et des services peuvent être achetés avec les cartes (10) avec débit correspondant des sous-comptes (12). Des instruments négociables, tels que des mandats ou analogues, peuvent éventuellement être achetés avec ces cartes (10).
PCT/US2002/007035 2002-03-08 2002-03-08 Systeme et procede de carte de debit rechargeable WO2003079262A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2002245628A AU2002245628A1 (en) 2002-03-08 2002-03-08 Reloadable debit card system and method
PCT/US2002/007035 WO2003079262A1 (fr) 2002-03-08 2002-03-08 Systeme et procede de carte de debit rechargeable

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2002/007035 WO2003079262A1 (fr) 2002-03-08 2002-03-08 Systeme et procede de carte de debit rechargeable

Publications (1)

Publication Number Publication Date
WO2003079262A1 true WO2003079262A1 (fr) 2003-09-25

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PCT/US2002/007035 WO2003079262A1 (fr) 2002-03-08 2002-03-08 Systeme et procede de carte de debit rechargeable

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AU (1) AU2002245628A1 (fr)
WO (1) WO2003079262A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2795549A4 (fr) * 2011-12-21 2015-09-23 Mastercard International Inc Procédés est systèmes permettant d'équiper un compte de paiement d'échange adaptatif

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20010001856A1 (en) * 1999-10-28 2001-05-24 Gould David B. Prepaid cash equivalent card and system
US20010049655A1 (en) * 2000-01-18 2001-12-06 Bellosguardo Philippe A. Anonymous credit card
US20020022966A1 (en) * 2000-04-20 2002-02-21 Innovative Payment Systems, Llc Method and system for ubiquitous enablement of electronic currency

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20010001856A1 (en) * 1999-10-28 2001-05-24 Gould David B. Prepaid cash equivalent card and system
US20010049655A1 (en) * 2000-01-18 2001-12-06 Bellosguardo Philippe A. Anonymous credit card
US20020022966A1 (en) * 2000-04-20 2002-02-21 Innovative Payment Systems, Llc Method and system for ubiquitous enablement of electronic currency

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2795549A4 (fr) * 2011-12-21 2015-09-23 Mastercard International Inc Procédés est systèmes permettant d'équiper un compte de paiement d'échange adaptatif
US10147084B2 (en) 2011-12-21 2018-12-04 Mastercard International Incorporated Methods and systems for providing a payment account with adaptive interchange

Also Published As

Publication number Publication date
AU2002245628A1 (en) 2003-09-29

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