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Value transfer system 원문보기

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • H04L-009/00
  • H04L-009/32
  • H04L-009/30
  • H04L-009/06
출원번호 US-0664907 (1996-06-17)
우선권정보 GB-0008362 (1990-04-12)
발명자 / 주소
  • Jones Timothy Lloyd,GB2
  • Higgins Graham Robert L.,GB2
출원인 / 주소
  • Mondex International Limited, GBX
대리인 / 주소
    Nixon & Vanderhye P.C.
인용정보 피인용 횟수 : 321  인용 특허 : 7

초록

A value transfer system which allows value to be transferred between electronic purses comprises computer which controls the loading of purses with value and the redemption of value from purses, a special bulk purse or purses and a value meter securely linked thereto which registers the total net va

대표청구항

[ We claim:] [1.] A value transfer system, said system comprising:a computer system;a plurality of electronic purses;at least one exchange device whereby said purses communicate with each other to transfer value in transactions which are off-line from the computer system; anda cryptographic key syst

이 특허에 인용된 특허 (7)

  1. Halpern John W. (London GB2), Electronic money purse and fund transfer system.
  2. Halpern, John W., Electronic purse-device.
  3. Nakano Harumi (Oome JPX), IC card system compatible with bank account system.
  4. Austin Jeffrey R. (Hindhead GB2), Method and system for authentication.
  5. Yoshida Yasuhisa (Owariasahi JPX), Transaction method wherein transaction amount is compared with account balance before ID is entered.
  6. Collin Thierry (Courbevoie FRX), Transaction system of the electronic purse type.
  7. Collin Thierry (Courbevoie FRX), Transaction system of the electronic purse type.

이 특허를 인용한 특허 (321)

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  176. Bonalle,David S.; Freud,Aliza; Nanton,Jason E.; Reilly,Mary Ann Fitzmaurice; Sharp,Ray, Public/private dual card system and method.
  177. Biship,Fred; Saunders,Peter D, RF payment via a mobile device.
  178. Bishop, Fred; Saunders, Peter D., RF payment via a mobile device.
  179. Bonalle, David S.; Fehlhaber, Jeff; Saunders, Peter D., RF transaction device.
  180. Saunders, Peter D, RF transaction system and method for storing user personal data.
  181. Bishop, Fred, RF transactions using a wireless reader grid.
  182. Bishop, Fred; Saunders, Peter D, Recurrent billing maintenance with radio frequency payment devices.
  183. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Registering a biometric for radio frequency transactions.
  184. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Registering a biometric for radio frequency transactions.
  185. Berardi, Michael J.; Bliman, Michal; Bonalle, David; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Mayers, Alexandra; Perry, Trevor J.; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; VonWald, Kristin L.; Williamson, John R., Reload protocol at a transaction processing entity.
  186. Kipnis, Shlomo; Meir, Rannen, Remote administration of smart cards for secure access systems.
  187. Kipnis, Shlomo; Meir, Rannen, Remote administration of smart cards for secure access systems.
  188. Kipnis, Shlomo; Meir, Rannen, Remote administration of smart cards for secure access systems.
  189. Terranova, Steven N., Remote payment account relational system and method for retail devices.
  190. Bonalle, David S; Isenberg, Susan E; Saunders, Peter D; Williamson, John R, Securing RF transactions using a transactions counter.
  191. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Mayers, Alexandra; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; Williamson, John R., Securing a transaction between a transponder and a reader.
  192. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; Williamson, John R.; Mayers, Alexandra, Securing a transaction between a transponder and a reader.
  193. Blossom, George, Selectable multi-purpose card.
  194. Blossom,George, Selectable multi-purpose card.
  195. Blossom,George, Selectable multi-purpose card.
  196. Blossom,George, Selectable multi-purpose card.
  197. Yamada, Yuji; Okimoto, Koyuru, Signal processing device, signal processing method, and program therefor.
  198. MacKay, George Allan; McLarty, Shamus John Angus; Garvey, Ben, Single space parking meter.
  199. MacKay, George Allan; McLarty, Shamus John Angus; Garvey, Ben, Single space parking meter.
  200. MacKay, George Allan; Chauvin, Gregory Emile; McLarty, Shamus John Angus; Garvey, Ben, Single space parking meter and removable single space parking meter mechanism.
  201. MacKay, George Allan; Chauvin, Gregory Emile; McLarty, Shamus John Angus; Garvey, Ben, Single space parking meter and removable single space parking meter mechanism.
  202. MacKay, George Allan; Chauvin, Gregory Emile; McLarty, Shamus John Angus; Garvey, Ben, Single space parking meter and removable single space parking meter mechanism.
  203. MacKay, George Allan; Chauvin, Gregory Emile; McLarty, Shamus John Angus; Garvey, Ben, Single space parking meter and removable single space parking meter mechanism.
  204. MacKay, George Allan; Chauvin, Gregory Emile; McLarty, Shamus John Angus; Garvey, Ben, Single space parking meter and removable single space parking meter mechanism.
  205. MacKay, George Allan; Chauvin, Gregory Emile; Erskine, Neil Stuart; Cameron, Darren Scott; Church, Donald Wesley; Garvey, Ben; Bablitah, Josh Michael; Gonia, Matt; Pederson, Glenn Eric; Buczkiewicz, Robert Thomas, Single space wireless parking with improved antenna placements.
  206. MacKay, George Allan; Chauvin, Gregory Emile; Erskine, Neil Stuart; Cameron, Darren Scott; Church, Donald Wesley; Garvey, Ben; Bablitch, Josh Michael; Gonia, Matt; Pederson, Glenn Eric; Buczkiewicz, Robert Thomas, Single space wireless parking with improved antenna placements.
  207. Andreas Schwier DE, Smart card and method for bidirectional data transfer between a terminal and a smart card.
  208. Bonalle,David S.; Salow,Glen, Smartcard transaction method and system using voiceprint recognition.
  209. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
  210. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
  211. Slater,Kim Michele, Sponsor funded stored value card.
  212. Rae, Peter; Loomis, Nancy; Algiene, Ken; Hansen, Kurt L.; Dively, Keith W., Staged transaction system for mobile commerce.
  213. Hansen, Kurt L.; Sayor, Thomas B.; Vialpando, Sharon K.; Algiene, Ken, Staged transactions systems and methods.
  214. Hansen,Kurt L.; Sayor,Thomas B.; Vialpando,Sharon K.; Algiene,Kenneth, Staged transactions systems and methods.
  215. Kolls, H. Brock, Store display window connected to an electronic commerce terminal.
  216. Knackstedt, Lee; Rau, Scott, Stored value card provided with merchandise as rebate.
  217. Abelman, Henry M.; Algiene, Kenneth; Karas, Peter M., Stored value payouts.
  218. Boesch Brian P., Stored-value card value acquisition method and apparatus.
  219. Milberger,Susan M.; Sherrard,Jeff D.; Dunker,Amy M.; Macfarlane,Jackie M.; Platte,Eric L.; Abrahams,Susan F.; Neofytides,Cheryl L.; Baig,Aamer Ali; Karas,Peter M.; Cowell,James E.; Yoder,James R.; Go, Subscription-based payment.
  220. Sullivan,Kevin, System and method for a card benefit program providing benefits to program members based on program performance.
  221. Sullivan,Kevin, System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance.
  222. Sullivan, Kevin M., System and method for administering a brokerage rebate card program.
  223. Berardi,Michael J.; Bliman,Michal; Bonalle,David; Elwood,Jennifer Anne; Hood,Matthew C.; Isenberg,Susan E.; Mayers,Alexandra; Perry,Trevor J.; Saunders,Peter D.; Scheding,Kathryn D.; Shah,Sejal Ajit;, System and method for assigning a funding source for a radio frequency identification device.
  224. Bishop,Fred; Saunders,Peter D, System and method for authenticating a RF transaction using a transaction account routing number.
  225. Boyle, Kevin; Maistre, Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
  226. Boyle,Kevin; Maistre,Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
  227. Barlow Doug ; Dillaway Blair ; Fox Barbara ; Lipscomb Terry ; Spies Terrence, System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer.
  228. Barlow, Doug; Dillaway, Blair; Fox, Barbara; Lipscomb, Terry; Spies, Terrence, System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer.
  229. Butler, Sheila S.; Schwarz, Jr., Charles E., System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag.
  230. Alarcon Luther,Melissa; Fellner,Debra C.; Sabloff,Barry M.; Schell, III,Frank Charles; Mesrobian,Peter Mark; Griffin,Ginger; Dorion,Michelle; Karris,Gus, System and method for currency selectable stored value instrument.
  231. Alarcon-Luther, Melissa; Fellner, Debra C.; Sabloff, Barry M.; Schell, III, Frank Charles; Mesrobian, Peter Mark; Griffin, Ginger; Dorion, Michelle; Karris, Gus, System and method for currency selectable stored value instrument.
  232. Bonalle, David S.; Larkin, Carl; Saunders, Peter D., System and method for dynamic fob synchronization and personalization.
  233. Wagner, Richard Hiers, System and method for enabling transactions between a web server and a smart card, telephone, or personal digital assistant over the internet.
  234. Wagner, Richard Hiers, System and method for enabling transactions between a web server and an automated teller machine over the internet.
  235. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Saunders, Peter D., System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions.
  236. Baranowski, James A., System and method for enhanced RFID instrument security.
  237. Baranowski, James A., System and method for enhanced RFID instrument security.
  238. Saunders, Peter D, System and method for facilitating a transaction using a revolving use account associated with a primary account.
  239. Templeton, Randy J., System and method for facilitating large scale payment transactions.
  240. Sanders, Shelley F.; Bowers, Theodore, System and method for funding a collective account.
  241. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  242. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  243. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  244. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  245. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  246. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  247. Peart, Lee J; Saunders, Peter D, System and method for generating an unpredictable number using a seeded algorithm.
  248. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  249. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  250. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  251. Taylor, Robert Cameron; Pilarcik, Jeffrey J.; Ley, Paula M., System and method for granting promotional rewards to both customers and non-customers.
  252. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  253. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  254. Sheley, William S., System and method for granting promotional rewards to financial account holders.
  255. Silverman, Robert M., System and method for issuing, circulating and trading financial instruments with smart features.
  256. Saunders, Peter D, System and method for managing a transaction protocol.
  257. Borgia,Evelyn; Miller,Jodi; De Gottal,Graham; O'Connor,Christine, System and method for managing global risk.
  258. Breslin, Jodi; Borgia, Evelyn; de Gottal, Graham, System and method for managing risks associated with outside service providers.
  259. Faenza, Jr.,William J.; Lasch,Ellen; Saunders,Peter D.; Webb,Lisa, System and method for manufacturing a punch-out RFID transaction device.
  260. Saunders, Peter D., System and method for manufacturing a punch-out RFID transaction device.
  261. Saunders, Peter D., System and method for manufacturing a punch-out RFID transaction device.
  262. Feingold, Vincent, System and method for multi-dimensional risk analysis.
  263. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
  264. Das, Jayanta, System and method for offering risk-based interest rates in a credit instutment.
  265. Berardi,Michael J.; Bliman,Michal; Bonalle,David S.; Elwood,Jennifer Anne; Hood,Matthew C.; Isenberg,Susan E.; Mayers,Alexandra; Saunders,Peter D.; Scheding,Kathryn D.; Shah,Sejal Ajit; Williamson,Jo, System and method for payment using radio frequency identification in contact and contactless transactions.
  266. Sorem, Steve, System and method for processing transactions.
  267. Bonalle,David S; Francolini,Gail A; Ing,Samantha S; Kunian,Danielle; Nulle,Danielle R, System and method for providing and RFID transaction device.
  268. Hamilton, Stacy M.; Rossiter, Janet L., System and method for providing promotional pricing.
  269. Hamilton,Stacy M.; Rossiter,Janet L., System and method for providing promotional pricing.
  270. Bishop, Fred; Neemann, Trey; Armes, David, System and method for reassociating an account number to another transaction account.
  271. Saunders,Peter D., System and method for remotely initializing a RF transaction.
  272. Saunders, Peter D; Barnes, Brian T, System and method for secure transactions manageable by a transaction account provider.
  273. Saunders, Peter, System and method for securing a recurrent billing transaction.
  274. Peart, Lee J.; Saunders, Peter D., System and method for securing sensitive information during completion of a transaction.
  275. Wagner, Richard Hiers, System and method for transacting communication over an open network.
  276. March,Albert D., System and method for transferring funds.
  277. Rau, Scott W.; Bertetti, Scott Philip; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  278. Rau, Scott W.; Bertetti, Scott Philp; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  279. Rau, Scott W.; Bertetti, Scott Philp; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  280. Fellner,Debra C., System and method for using a stored value account having subaccount feature.
  281. Kolls, H. Brock, System and method of processing credit card, e-commerce, and e-business transactions without the merchant incurring transaction processing fees or charges worldwide.
  282. Rudd, James M., System and methods for managing the distribution of electronic content.
  283. Tamassia, Hugh Robert; Stransky, Peter Franklin; Acharya, Ravi; Ranganath, Satyan, System and methods for mobile ordering and payment.
  284. Freund, Peter C., System and process for performing purchase transactions using tokens.
  285. Beenau,Blayn W.; Bonalle,David S.; Fields,Seth W.; Gray,William J.; Larkin,Carl; Montgomery,Joshua L.; Saunders,Peter D., System for biometric security using a FOB.
  286. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, System for biometric security using a fob.
  287. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, System for biometric security using a fob.
  288. Wagner, Richard Hiers, System for enabling smart card transactions to occur over the internet and associated method.
  289. Breck, Lydia; Zoob, Jessica; Salow, Glen; Bishop, Fred; Schwarz, William; Glazer, Elliot; Johnstone, David; Cunningham, Katie; Nambiar, Anant; Belt, Jan Nunney; Wittwer, Martin; Armes, David; Chow, Christina, System for facilitating a transaction.
  290. Hansen, Kurt L.; Diveley, Keith W., Systems and methods for enrolling consumers in goods and services.
  291. Hansen,Kurt L.; Diveley,Keith W., Systems and methods for enrolling consumers in goods and services.
  292. Bonalle, David; Bliman, Michal; Saunders, Peter D.; Williamson, John Robert, Systems and methods for managing account information lifecycles.
  293. Beenau,Blayn W.; Bliman,Michal; Bonalle,David S.; Montgomery,Joshua L.; Saunders,Peter D.; Williamson,John R., Systems and methods for managing multiple accounts on a RF transaction instrument.
  294. Tamassia, Hugh Robert; Stransky, Peter Franklin; Acharya, Ravi; Avatara, Satyan, Systems and methods for mobile ordering and payment.
  295. Tamassia, Hugh Robert; Stransky, Peter Franklin; Acharya, Ravi; Ranganath, Satyan, Systems and methods for mobile ordering and payment.
  296. Bishop, Fred; Saunders, Peter D, Systems and methods for non-traditional payment using biometric data.
  297. Sammon, Russell P.; Hayashida, Jeffrey Y.; Tedesco, Daniel E.; Tulley, Stephan C.; Scribner, Gregory J.; Fincham, Carson C. K., Systems and methods for portable wagering mediums.
  298. Sammon, Russell P.; Hayashida, Jeffrey Y.; Tedesco, Daniel E.; Tulley, Stephan C.; Scribner, Gregory J.; Fincham, Carson C. K., Systems and methods for portable wagering mediums.
  299. Bonalle,David S; Fehlhaber,Jeff; Saunders,Peter D, Systems and methods for providing a RF transaction device for use in a private label transaction.
  300. Beenau,Blayn W.; Bliman,Michal; Bonalle,David S.; Montgomery,Joshua L.; Saunders,Peter D.; Williamson,John R., Systems and methods for providing a RF transaction device operable to store multiple distinct accounts.
  301. Bonalle,David S.; Fehlhaber,Jeff; Saunders,Peter D., Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts.
  302. Skelding, Dori K., Systems and methods for providing an adaptable transponder device.
  303. Blair, Paul; Hansen, Kurt; Moore, Gary, Systems and methods for staging transactions, payments and collections.
  304. Blair,Paul; Hansen,Kurt; Moore,Gary, Systems and methods for staging transactions, payments and collections.
  305. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  306. Morrill Webb, Lisa Ann; Faenza, Jr., William J., Transaction card.
  307. Morrill-Webb, Lisa Ann; Faenza, Jr., William J., Transaction card.
  308. Field, Manning R.; Reinhard, Walter Brent, Transaction device.
  309. Field,Manning R.; Reinhard,Walter Brent, Transaction device.
  310. Fernando,Llavanya; Wang,Nathan C.; Soysa,G.F.R. Sulak, Transaction device with noise signal encryption.
  311. Kolls, H. Brock, Transaction processing method of fulfilling an electronic commerce transaction by an electronic commerce terminal system.
  312. Beenau,Blayn W.; Bonalle,David S.; Vander Eyk,Becky; Isenberg,Susan E.; Malnati,Leigh; Mueller,Sue; Norcross,Zarita; Peart,Lee J.; Saunders,Peter D.; Skilling Belmond,Lisa; Webb,Lisa; Williamson,John, Transparent transaction device.
  313. Everett, David, Trusted message storage and transfer protocol and system.
  314. Kolls, H. Brock, Universal interactive advertising and payment system network for public access electronic commerce and business related products and services.
  315. Simons, Paul, Variable rate payment card.
  316. Simons, Paul, Variable rate payment card.
  317. Kolls, H. Brock, Vending access to the internet, business application software, e-commerce, and e-business in a hotel room.
  318. Ding Linda,TWX, Vending machine operated by a chip card.
  319. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Voiceprint biometrics on a payment device.
  320. Baig, Aamer Ali; Cowell, James E.; Karas, Peter M.; Neofytides, Cheryl L.; Golub, Matthew F.; Yoder, James R.; Milberger, Susan M.; Sherrard, Jeff D.; Dunker, Amy M.; Macfarlane, Jackie M.; Platte, Eric L.; Abrahams, Susan F., Wide area network person-to-person payment.
  321. Baig, Aamer Ali; Cowell, James E.; Karas, Peter M.; Neofytides, Cheryl L.; Golub, Matthew F.; Yoder, James R.; Milberger, Susan M.; Sherrard, Jeff D.; Dunker, Amy M.; Macfarlane, Jackie M.; Platte, Eric L.; Abrahams, Susan F., Wide area network person-to-person payment.
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