+

WO1998008175A1 - Procede et systeme destines au traitement d'un reglement effectue entre un organisme de paiement vendant des cartes a valeur stockee et des vendeurs fournissant les services pour lesquels ce type de carte est utilise - Google Patents

Procede et systeme destines au traitement d'un reglement effectue entre un organisme de paiement vendant des cartes a valeur stockee et des vendeurs fournissant les services pour lesquels ce type de carte est utilise Download PDF

Info

Publication number
WO1998008175A1
WO1998008175A1 PCT/NO1997/000208 NO9700208W WO9808175A1 WO 1998008175 A1 WO1998008175 A1 WO 1998008175A1 NO 9700208 W NO9700208 W NO 9700208W WO 9808175 A1 WO9808175 A1 WO 9808175A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
payment
vending machines
settlement
cards
Prior art date
Application number
PCT/NO1997/000208
Other languages
English (en)
Inventor
Lasse Leirfall
Knut Larsen ØSTERHOLT
Sigurd SIGBJØRNSEN
Original Assignee
Lasse Leirfall
Oesterholt Knut Larsen
Sigbjoernsen Sigurd
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 Lasse Leirfall, Oesterholt Knut Larsen, Sigbjoernsen Sigurd filed Critical Lasse Leirfall
Priority to AU40349/97A priority Critical patent/AU4034997A/en
Publication of WO1998008175A1 publication Critical patent/WO1998008175A1/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
    • 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
    • G06Q20/24—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
    • G06Q20/40—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
    • G06Q20/4037—Remote solvency checks

Definitions

  • the invention relates to a method and a system for achieving settlement mediation between a payment recipient selling stored value cards, and other vendors providing the services for which the card is used as payment.
  • Ordinary payment cards have gained widespread use today in commerce and sales of services. As is well known, these cards operate in attachment to an account, and payment is made by means of a so-called online data system which transfers the amount from the cardholder's account to the vendor's account.
  • the user In order to identify that the user is the rightful owner of the card, the user has to enter a secret, personal numerical code before the transaction may take place. The numerical code is not stored in the card, but in the data system itself.
  • the card when it is used, does not enter an amount into the account of the automatic vending machine used, but subtracts from a pre-paid amount to the card vendor by reducing the card credit, the card can only be used to buy services from the person or authority which is also receiving payment for the card itself. For instance a parking card that has been paid to one municipality, cannot be used for parking in another municipality, because if so, the first municipality would receive payment for a service rendered physically and economically by the last mentioned municipality.
  • the object of the present invention is to achieve mediation of settlement between the payment recipient and the renderer of the service that the card is used to pay for, so that a system for an account-free "change" card (stored value card) can be used for payment of services and benefits in general without the renderer having such a regional or selective economic attachment to the card seller or issuer.
  • the system will take care of the advantages of the stored value card in rapid use without entering a code of digits, and obtain the low number of transactions between accounts provided today by the above mentioned cards.
  • the method and a system for a stored value card in accordance with the invention is shown in fig. 1.
  • An example of such a card is shown in fig. 2.
  • the card may be of the ordinary type which is either based on a magnetic stripe or an electronic chip. Of the last mentioned type there are today also electronic chips 0 that are able to communicate with automatic machines over a certain distance and without physical contact, and these may consequently be attached to e.g. a car or the person himself, and have even been surgically operated in under the skin.
  • the designation "stored value card” shall be understood to comprise also such cards/chips.
  • a stored value card able to utilize the method of the invention contains at least two data: Credit/balance and identification of card company/payment recipient.
  • vending machine (A) or (B) that either through periodic transactions or through direct line transfer (BL) tranfers the incomes to the system income account (AIK) or (BIK) o attached to the accounting system (KS).
  • the vending machines (A) and (B) represent e.g. two different card companies which thus may have different income accounts. If all card vending places are attached to the same company, it is only necessary with one single income account. Alternatively, the method entails that the entries for several companies can be provided with an identification of the 5 particular company, so that one single account can be used anyway, but in practice this is the same as operating with several accounts.
  • the credit/balance (S) is reduced by the amount for which one selects to buy parking time.
  • the parking meter (P) records in a register (R1) the amount as an outstanding debt from the identified card company. Either by means of a periodic collection of recorded outstanding debts by dispatch, or by line transfer (FL), the records are transmitted to the accounting system (KS) for settlement.
  • KS accounting system
  • Corresponding opera- tions are made when the card is used for payment in other vending machines like e.g. in a toll station (BS), automatic telephones (TA) and similar vendors of services or benefits attached to the system.
  • the accounting system For settlement between income accounts (AIK, BIK) and use accounts (R1K, R2K, R3K ..., RnK), the accounting system (KS) operates in a similar manner as for transfer between accounts in banks, however in this case on the basis of recorded use from the automatic vending machines in the registers (R1 , R2, R3 .... Rn) via the transfer lines (FL).
  • the transactions may take place on the basis of manual or computer-based solutions, or combinations thereof.
  • the identification (Id) of card company on the card may also contain a country code (N), so that balance and withdrawal can be recalculated in accordance with rates of exchange, whereby the card is also internationally applicable.
  • the method and the system in accordance with the invention does not only eliminate the above mentioned regional and selective barriers for use of stored value cards, but also international barriers.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Ce procédé et ce système sont destinés au traitement d'un règlement entre un organisme de paiement (A, B), vendant des cartes à valeur stockée ou des puces de paiement électronique, ou augmentant la valeur de crédit des cartes ou puces, et des vendeurs fournissant des services pour le paiement desquels ces cartes ou puces sont utilisées. Ce procédé prévoit que l'organisme vendeur (A, B) d'une carte, ou d'un accroissement de valeur de la carte, transfère le produit des ventes dans les comptes de produit (AIK, BIK) d'un système comptable (KS), dans lequel sont également transférés, via des lignes de connexion (FL), les enregistrements de réduction de crédit (R1, R2, R3...) exécutés dans les machines de vente utilisées (P, BS, TA) lors de l'utilisation de la carte, ces enregistrements constituant une base de règlement destinée aux comptes de produit (AIK, BIK) de l'organisme vendeur de cartes, ou d'accroissement de valeur de celles-ci, ainsi qu'aux comptes (R1K, R2K, R3K..., RnK) des différents vendeurs de services au moyen des machines de vente. Le carte ou la puce peut contenir une identification de la personne ou de l'entité détentrice du crédit, ainsi qu'une identification du pays ou du rattachement à un système de devises.
PCT/NO1997/000208 1996-08-20 1997-08-19 Procede et systeme destines au traitement d'un reglement effectue entre un organisme de paiement vendant des cartes a valeur stockee et des vendeurs fournissant les services pour lesquels ce type de carte est utilise WO1998008175A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU40349/97A AU4034997A (en) 1996-08-20 1997-08-19 A method and a system for achieving payment mediation between a payment recipient selling stored value cards, and vendors providing the services for which the cards are used

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NO963456A NO963456L (no) 1996-08-20 1996-08-20 Metode og system for å oppnå betalingsformidling mellom betalingsmottaker ved salg av kontolöse småpengekost og selgere av de ytelser som kortet brukes til
NO963456 1996-08-20

Publications (1)

Publication Number Publication Date
WO1998008175A1 true WO1998008175A1 (fr) 1998-02-26

Family

ID=19899725

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/NO1997/000208 WO1998008175A1 (fr) 1996-08-20 1997-08-19 Procede et systeme destines au traitement d'un reglement effectue entre un organisme de paiement vendant des cartes a valeur stockee et des vendeurs fournissant les services pour lesquels ce type de carte est utilise

Country Status (3)

Country Link
AU (1) AU4034997A (fr)
NO (1) NO963456L (fr)
WO (1) WO1998008175A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000000937A1 (fr) * 1998-06-30 2000-01-06 Sun Microsystems, Inc. Systeme de budgetisation et de comptabilite reparti avec acces par dispositifs a jetons proteges
WO2000000915A1 (fr) * 1998-06-26 2000-01-06 American Express Travel Related Services Company, Inc. Systeme de transaction de valeurs stockees comprenant un serveur avec base de donnees integree
GB2356963A (en) * 1999-11-30 2001-06-06 Gareth Poulter Electronic payment device

Families Citing this family (23)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10318936B2 (en) 2012-03-07 2019-06-11 Early Warning Services, Llc System and method for transferring funds
US10970688B2 (en) 2012-03-07 2021-04-06 Early Warning Services, Llc System and method for transferring funds
US9626664B2 (en) 2012-03-07 2017-04-18 Clearxchange, Llc System and method for transferring funds
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US10395247B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc Systems and methods for facilitating a secure transaction at a non-financial institution system
US10769606B2 (en) 2015-03-23 2020-09-08 Early Warning Services, Llc Payment real-time funds availability
US10839359B2 (en) 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US10832246B2 (en) 2015-03-23 2020-11-10 Early Warning Services, Llc Payment real-time funds availability
US10878387B2 (en) 2015-03-23 2020-12-29 Early Warning Services, Llc Real-time determination of funds availability for checks and ACH items
US10748127B2 (en) 2015-03-23 2020-08-18 Early Warning Services, Llc Payment real-time funds availability
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11151523B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11144928B2 (en) 2016-09-19 2021-10-12 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4877947A (en) * 1986-08-05 1989-10-31 Oki Electric Industry Co., Ltd. Transaction processing system
WO1996036024A1 (fr) * 1995-05-12 1996-11-14 Koninklijke Ptt Nederland N.V. Systeme de paiement electronique ayant plusieurs unites de calcul, moyen et procede de paiement electronique

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4877947A (en) * 1986-08-05 1989-10-31 Oki Electric Industry Co., Ltd. Transaction processing system
WO1996036024A1 (fr) * 1995-05-12 1996-11-14 Koninklijke Ptt Nederland N.V. Systeme de paiement electronique ayant plusieurs unites de calcul, moyen et procede de paiement electronique

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
UTLANDSRAPPORT FRAN SVERIGES TEKNISKA ATTACHEER, NYA FRANSKA, 1993, (Stockholm), L. SANDH, "7.3 Det Nationella 'Electroniska Portmonna'-Projektet", Chapter 7.3.3. *

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000000915A1 (fr) * 1998-06-26 2000-01-06 American Express Travel Related Services Company, Inc. Systeme de transaction de valeurs stockees comprenant un serveur avec base de donnees integree
GB2354359A (en) * 1998-06-26 2001-03-21 American Express Travel Relate Stored value transaction system including an integrated database server
GB2354359B (en) * 1998-06-26 2003-07-23 American Express Travel Relate Stored value transaction system including an integrated database server
US7216091B1 (en) 1998-06-26 2007-05-08 American Express Travel Related Services Company, Inc. Stored value transaction system including an integrated database server
US7447648B2 (en) 1998-06-26 2008-11-04 American Express Travel Related Services Company, Inc. Stored value transaction system including an integrated database server
US7840446B2 (en) 1998-06-26 2010-11-23 American Express Travel Related Services Company, Inc. Stored value transaction system including an integrated database server
US8635114B2 (en) 1998-06-26 2014-01-21 Lead Core Fund, L.L.C. Stored value transaction system and method including an integrated database server
WO2000000937A1 (fr) * 1998-06-30 2000-01-06 Sun Microsystems, Inc. Systeme de budgetisation et de comptabilite reparti avec acces par dispositifs a jetons proteges
US6418420B1 (en) 1998-06-30 2002-07-09 Sun Microsystems, Inc. Distributed budgeting and accounting system with secure token device access
GB2356963A (en) * 1999-11-30 2001-06-06 Gareth Poulter Electronic payment device

Also Published As

Publication number Publication date
NO963456D0 (no) 1996-08-20
AU4034997A (en) 1998-03-06
NO963456L (no) 1998-02-23

Similar Documents

Publication Publication Date Title
WO1998008175A1 (fr) Procede et systeme destines au traitement d'un reglement effectue entre un organisme de paiement vendant des cartes a valeur stockee et des vendeurs fournissant les services pour lesquels ce type de carte est utilise
US6405182B1 (en) System for dispensing prepaid debit cards through point-of-sale terminals
RU2180761C2 (ru) Расчетная карточка и терминал для совершения безналичных операций, система безналичного расчета (варианты) и способ безналичного расчета (варианты)
US5753899A (en) Cash alternative transaction system
US5650761A (en) Cash alternative transaction system
KR970066960A (ko) 전자금전시스템의 거래방법
US8302859B2 (en) Apparatus, method and system for facilitating payment of monetary transactions
WO2014170741A2 (fr) Système de remboursement et procédé permettant de faciliter celui-ci
WO1999030294A1 (fr) Procede et appareil permettant de traiter des transactions de carte de credit et de debit combinee
US6830178B2 (en) Combination bank/phone card and method
TW580630B (en) Electronic till system for electronic purse
JPH05225221A (ja) 銀行ｐｏｓによるポイントサービスシステム
US20020026420A1 (en) Virtual cashier I-Card
JP2003520371A (ja) リアルタイム現金決済システム及びその処理方法
US7395958B2 (en) Conducting monetary transactions with minimal coin transfer
US20020156725A1 (en) Method and means for conducting cashless financial transactions
CA2368577A1 (fr) Procede d'execution de transactions financieres
JP2004062496A (ja) 還付金決済システム
WO2001037228A1 (fr) Systeme et procede de debit de compte anonyme
AU2009240780B9 (en) Apparatus, method and system for facilitating payment of monetary transactions
Block reference Guide
KR20020046513A (ko) 잔돈 결제 방법
JPH0725459U (ja) トラベラーズ デノミネイション バンクカード
WO2001022371A9 (fr) Technique et systeme pour distributeur automatique et service connexe
GB2324186A (en) Card charging systems

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AL AM AT AU AZ BA BB BG BR BY CA CH CN CU CZ DE DK EE ES FI GB GE GH HU IL IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT UA UG US UZ VN YU ZW AM AZ BY KG KZ MD RU TJ TM

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): GH KE LS MW SD SZ UG ZW AT BE CH DE DK ES FI FR GB GR IE IT LU MC NL

DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
121 Ep: the epo has been informed by wipo that ep was designated in this application
NENP Non-entry into the national phase

Ref country code: JP

Ref document number: 1998510621

Format of ref document f/p: F

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase

Ref country code: CA

点击 这是indexloc提供的php浏览器服务，不要输入任何密码和下载