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Processing system and method for a heterogeneous electronic cash environment

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06K-005/00
출원번호 US-0106682 (1998-06-29)
우선권정보 IL-0121192 (1997-06-30)
발명자 / 주소
  • Teicher Mordechai,ILX
출원인 / 주소
  • Cardis Enterprise International N.V., ANX
대리인 / 주소
    Darby & Darby
인용정보 피인용 횟수 : 341  인용 특허 : 18

초록

A heterogeneous stored-value system which offers interoperability among a number of proprietary payment card brands with differing fee structures. The system makes use of existing settlement practices and fee structures to increase the amount of commerce while imposing minimal changes. The benefits

대표청구항

[ What is claimed is:] [1.] A heterogeneous electronic cash payment system having at least two different brands of charge function, each brand having loading terms and settlement terms, the heterogeneous electronic cash payment system comprising:(a) a plurality of payment cards, each payment card be

이 특허에 인용된 특허 (18)

  1. Taylor Douglas C. (New York NY), Data card that can be used for transactions involving separate card issuers.
  2. Halpern, John W., Electronic purse-device.
  3. Gutman Jose (Boynton Beach FL) Wright Jim (Coral Springs FL) Finkelstein Louis D. (Wheeling IL) Puhl Larry (Sleepy Hollow IL), Electronic wallet.
  4. Yoshida Shinya (Kyoto JPX), Financial transaction processing system using an integrated circuit card device.
  5. Hennige Hartmut (23 Packman Lane ; Home Green Kirk Ella Hull HU10 7TH N. Humberside GB3), Method and device for simplifying the use of a plurality of credit cards, or the like.
  6. Taylor Douglas C. (New York NY), Multi-application data card.
  7. Daggar Robert N., Multimedia electronic wallet with generic card.
  8. Hale William J. (Dayton OH) Horst William R. (Dayton OH) Riley Ellen P. (Centerville OH), Portable personal terminal for use in a system for handling transactions.
  9. Derksen Eduard (Hinterfultigen CHX), Process as safety concept against unauthorized use of a payment instrument in cashless payment at payment sites.
  10. Anderl Ewald C. (Middletown NJ) Frankel Oren (Ocean Township ; Monmouth County NJ) Zahavi Avi (Highland Park NJ), Security file system and method for securing data in a portable data carrier.
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  12. Teicher Mordechai,ILX, System and method for retail.
  13. Hale William J. (Dayton OH) Horst William R. (Dayton OH) Creech ; Jr. Arthur R. (Bellbrook OH), System for handling transactions including a portable personal terminal.
  14. Collin Thierry (Courbevoie FRX), Transaction system of the electronic purse type.
  15. Collin Thierry (Courbevoie FRX), Transaction system of the electronic purse type.
  16. Pitroda Satyan G. (1480 Golden Bell Ct. Downers Grove IL 60515), Universal electronic transaction card including receipt storage and system and methods of conducting electronic transact.
  17. Jones Timothy L. (East Sussex GB2) Higgins Graham R. L. (Avon GB2), Value transfer system.
  18. Jones Timothy Lloyd,GB2 ; Higgins Graham Robert L.,GB2, Value transfer system.

이 특허를 인용한 특허 (341)

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  59. Spear, Kevin W., Hybrid credit card transaction system.
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  170. 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.
  171. 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.
  172. Blossom, George, Selectable multi-purpose card.
  173. Blossom,George, Selectable multi-purpose card.
  174. Magennis,Gerard; Buchendorfer,Thomas, Setuid-filter method for providing secure access to a credentials store for computer systems.
  175. Bonalle,David S.; Salow,Glen, Smartcard transaction method and system using voiceprint recognition.
  176. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
  177. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
  178. Slater,Kim Michele, Sponsor funded stored value card.
  179. Knackstedt, Lee; Rau, Scott, Stored value card provided with merchandise as rebate.
  180. VonDerheide, James Alan; Dhamodharan, Rajasekaran, Successive offer communications with an offer recipient.
  181. VonDerheide, James Alan; Dhamodharan, Rajasekaran, Successive offer communications with an offer recipient.
  182. Sullivan,Kevin, System and method for a card benefit program providing benefits to program members based on program performance.
  183. Sullivan,Kevin, System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance.
  184. Sullivan, Kevin M., System and method for administering a brokerage rebate card program.
  185. Barrett, David; Stankiewicz, Witold, System and method for aggregating and presenting financial information.
  186. Benson, Glenn S., System and method for anti-phishing authentication.
  187. Benson, Glenn S., System and method for anti-phishing authentication.
  188. Benson, Glenn S., System and method for anti-phishing authentication.
  189. Benson, Glenn S., System and method for anti-phishing authentication.
  190. Gendler, Joseph, System and method for automatic financial project management.
  191. Matthews, Bradley Owen; Bishop, Fred, System and method for automatic reconciliation of transaction account spend.
  192. Kaza, Shrinivas K.; McRae, Xuan (Sunny) N.; Subramani, Dillip K.; Roland, Matthew Grant; Lopin, Pavel; Mueller, Georg, System and method for automatically enrolling buyers into a network.
  193. Boyle, Kevin; Maistre, Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
  194. Boyle,Kevin; Maistre,Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
  195. Dickelman, Mark, System and method for conversion of initial transaction to final transaction.
  196. Dickelman, Mark, System and method for conversion of initial transaction to final transaction.
  197. 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.
  198. 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.
  199. Hoffberg, Steven M., System and method for determining contingent relevance.
  200. Foss, Jr., Sheldon H.; James, Jr., Dennis H., System and method for dynamically managing a financial account.
  201. Lam, Duc; Roland, Matthew; McRae, Xuan (Sunny), System and method for electronic authorization of batch checks.
  202. Brown, Karen Lavern; Manarky, Lisa Kim, System and method for electronic bill pay and presentment.
  203. Acharya, Ravi V., System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image.
  204. Acharya, Ravi V., System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image.
  205. Meyer, Shannon D.; Haggerty, Margaret A.; Schwabinger, Rick, System and method for electronic remittance of funds.
  206. Arnold, Brian L.; Simpson, Paul H.; Fitzgerald, Thomas Steven; Lo, Pik Kwan; Wilson, James K.; Brockwell, John C.; Quinn, Michael F., System and method for enhancing supply chain transactions.
  207. Barrett, David M., System and method for establishing a payment mechanism with a plurality of merchants.
  208. Warren, Mary Carter; Barrett, Donna M.; Schmitt, Donald H.; Ehemann, Karen R., System and method for establishing or modifying an account with user selectable terms.
  209. Warren, Mary Carter; Fredman, Marc L.; Hoechst, Kimberly L.; Filak, Douglas A.; Steckart, James C.; Blossom, George W.; Jacobs, Ron E.; Barrett, Donna M.; Schmitt, Donald H.; Strock, Bradley R.; Witsil, Kathleen H.; Ehemann, Karen R.; Dowidchuck, Katrina, System and method for establishing or modifying an account with user selectable terms.
  210. Warren, Mary Carter; Fredman, Marc L.; Hoechst, Kimberly L.; Filak, Douglas A.; Steckart, James C.; Blossom, George W.; Jacobs, Ron E.; Barrett, Donna M.; Schmitt, Donald H.; Strock, Bradley R.; Witsil, Kathleen H.; Ehemann, Karen R.; Dowidchuck, Katrina, System and method for establishing or modifying an account with user selectable terms.
  211. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  212. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  213. Sanders, Shelley F.; Bowers, Theodore, System and method for funding a collective account.
  214. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  215. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  216. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  217. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  218. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  219. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  220. Peart, Lee J; Saunders, Peter D, System and method for generating an unpredictable number using a seeded algorithm.
  221. Read, Matthew J.; Ames, Craig S.; Nangia, Vinit; Lobashov, Pavel; Lam, Josiah, System and method for generating and managing administrator passwords.
  222. Read, Matthew J.; Ames, Craig S.; Nangia, Vinit; Lobashov, Pavel; Lam, Josiah, System and method for generating and managing administrator passwords.
  223. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for generating graphical user interface.
  224. Mount, Cheryl; Pradhan, Akshay; Tucker, Sheryl F.; Garvey, Danielle O.; Barry, Dennis C.; Goodwin, Brenda; Radvanyi, Tammy; O'Brien, Linda M., System and method for generating magnetic ink character recognition (MICR) testing documents.
  225. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  226. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  227. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  228. Taylor, Robert Cameron; Pilarcik, Jeffrey J.; Ley, Paula M., System and method for granting promotional rewards to both customers and non-customers.
  229. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  230. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  231. Sheley, William S., System and method for granting promotional rewards to financial account holders.
  232. Hoffberg, Steven M., System and method for incentivizing participation in a market transaction.
  233. Hirka, Jeffrey L.; Fox, Steven J., System and method for linked account having sweep feature.
  234. Borgia,Evelyn; Miller,Jodi; De Gottal,Graham; O'Connor,Christine, System and method for managing global risk.
  235. Breslin, Jodi; Borgia, Evelyn; de Gottal, Graham, System and method for managing risks associated with outside service providers.
  236. Feingold, Vincent, System and method for multi-dimensional risk analysis.
  237. Jou, Brian; Adler, Lynn A.; Bing, Robert L.; Boyle, James M.; Briody, Clare K.; Emery, Ian K.; Moran, Brian A.; Mascio, Kenneth, System and method for multicurrency and multibank processing over a non-secure network.
  238. Scott, Kelly W., System and method for network-based project management.
  239. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
  240. Das, Jayanta, System and method for offering risk-based interest rates in a credit instutment.
  241. Cataline, Glen R.; Rielly, William Smith; Sheehan, Mark Robert; Wallace, William Scott, System and method for optimized funding of electronic transactions.
  242. Benson, Glenn Stuart; Croston, Sean, System and method for partner key management.
  243. Lam, Duc; Shanbhogue, Ramnath; Kan, Immanuel; Moore, Robert; McRae, Xuan (Sunny), System and method for payer (buyer) defined electronic invoice exchange.
  244. Skingle, Bruce James, System and method for portal infrastructure tracking.
  245. Skingle,Bruce James, System and method for portal infrastructure tracking.
  246. Everhart, Glenn C., System and method for preventing identity theft or misuse by restricting access.
  247. Alexander, IV, Robert Minter; Rosenblatt, Charles Aaron; O'Malley, Daniel R; Grimes, Scott David, System and method for processing and for funding a transaction.
  248. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for processing applicant input information.
  249. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  250. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  251. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  252. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing mircotransactions.
  253. Pletz, Tracy; Rochford, Joseph, System and method for processing qualified healthcare account related financial transactions.
  254. Barrett, David M.; Kuchta, Kevin Michael, System and method for processing receipts and other records of users.
  255. Barrett, David M.; Kuchta, Kevin Michael, System and method for processing receipts and other records of users.
  256. Barrett, David M.; Kuchta, Kevin Michael, System and method for processing receipts and other records of users.
  257. Sorem, Steve, System and method for processing transactions.
  258. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  259. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  260. Field, Manning R.; Reinhard, Walter Brent; Keld, Marcia, System and method for processing transactions using a multi-account transactions device.
  261. Perlman, Jeffrey William; Dempsey, Caroline Grace, System and method for promotion processing and authorization.
  262. Hoffberg, Steven M., System and method for providing a payment to a non-winning auction participant.
  263. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  264. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  265. Rosko,Robert; Ampani,Kumar, System and method for providing customers with seamless entry to a remote server.
  266. Bowers, Theodore J; Ilijasic, Dean; Sanders, Shelley F., System and method for providing discriminated content to network users.
  267. Bowers,Theodore J.; Ilijasic,Dean; Sanders,Shelley F., System and method for providing discriminated content to network users.
  268. Gendler,Joseph, System and method for providing funding approval associated with a project based on a document collection.
  269. Sanders, Shelley F.; Bowers, Theodore; Ilijasic, Dean, System and method for providing incentives to consumers to share information.
  270. Hamilton, Stacy M.; Rossiter, Janet L., System and method for providing promotional pricing.
  271. Evans, Steven E.; Pierce, Suzanne Dallmeyer, System and method for providing supplemental payment or transaction information.
  272. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  273. Bishop, Fred; Neemann, Trey; Armes, David, System and method for reassociating an account number to another transaction account.
  274. Nagel, Robert H.; Felsher, David P.; Hoffberg, Steven M., System and method for secure communications involving an intermediary.
  275. Felsher, David P.; Nagel, Robert H.; Hoffberg, Steven M., System and method for secure three-party communications.
  276. Felsher, David P.; Nagel, Robert H.; Hoffberg, Steven M., System and method for secure three-party communications.
  277. Nagel,Robert H.; Felsher,David P.; Hoffberg,Steven M., System and method for secure three-party communications.
  278. Saunders, Peter D; Barnes, Brian T, System and method for secure transactions manageable by a transaction account provider.
  279. Saunders, Peter, System and method for securing a recurrent billing transaction.
  280. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  281. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  282. Lehman, Dean K.; McCullough, Joseph R.; Orth, Nancy A., System and method for sending money via E-mail over the internet.
  283. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  284. Skingle,Bruce James, System and method for single session sign-on with cryptography.
  285. Ellmore, Kimberly, System and method for single sign on process for websites with multiple applications and services.
  286. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  287. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  288. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  289. Ellmore,Kimberly, System and method for single sign on process for websites with multiples applications and services.
  290. Colcord, Brian, System and method for testing applications.
  291. Rosedale,Matthew P.; Master,Warren; Campfield,Thomas; Phinney,John, System and method for trade settlement tracking and relative ranking.
  292. Rau, Scott W.; Bertetti, Scott Philp; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  293. Fellner,Debra C., System and method for using a stored value account having subaccount feature.
  294. Barrett, David M., System and method for utilizing a universal prepaid card.
  295. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  296. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  297. Teicher, Mordechai, System and method for verifying payment.
  298. Freund, Peter C., System and process for performing purchase transactions using tokens.
  299. 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.
  300. 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.
  301. 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.
  302. 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.
  303. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  304. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  305. Barrett, David M., System, computer readable medium, and method for authorizing purchase using on-demand prepaid card.
  306. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  307. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  308. Jarvie, Jay C.; Vayner, Leonid; Payne, Clive Anthony, Systems and methods for managing digital certificates.
  309. Jarvie, Jay C.; Vayner, Leonid; Payne, Clive Anthony, Systems and methods for managing digital certificates.
  310. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  311. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  312. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  313. Bishop, Fred; Saunders, Peter D, Systems and methods for non-traditional payment using biometric data.
  314. Elliott, Richard, Systems and methods for processing a transaction.
  315. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  316. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  317. Eckert, Daniel J.; Zambrano, Hugo A.; Peters, Douglas; Bain, Stuart, Systems and methods for user identification string generation for selection of a function.
  318. Scheidelman, Edward, Systems and methods of natural language processing and statistical analysis to identify matching categories.
  319. Winters, Michelle Eng; Griggs, Alfred William; DiGioacchino, Laura; Salmon, Diane C.; Siegel, Kevin Paul; Subramanian, Kaushik; VonDerheide, James Alan; Fordyce, III, Edward W.; Amaro, Leigh, Systems and methods to aggregate demand.
  320. Granville, III, Walter J., Systems and methods to communicate offer options via messaging in real time with processing of payment transaction.
  321. Fordyce, III, Edward W.; Winters, Michelle Eng; Siegel, Kevin Paul; Amaro, Leigh; Byce, Charles Raymond; Savas, Nurtekin, Systems and methods to deliver targeted advertisements to audience.
  322. Singh, Shantnu; Dreyer, Michael; Ciurea, Peter; VonDerheide, James Alan; Fordyce, III, Edward W., Systems and methods to facilitate loyalty reward transactions.
  323. Fordyce, III, Edward W.; Amaro, Leigh; Winters, Michelle Eng; Savas, Nurtekin; Byce, Charles Raymond; Hagey, Ryan, Systems and methods to match identifiers.
  324. Fordyce, III, Edward W.; Winters, Michelle Eng; Amaro, Leigh, Systems and methods to provide intelligent analytics to cardholders and merchants.
  325. Roe, Timothy John; Copeman, Alisa J.; MacDonald, Wendy; Marsden, James H., Systems for authorization of reward card transactions.
  326. Wu,Wai; Heller,Toby; Hoffberg,Steven M., Telephony control system with intelligent call routing.
  327. Wu,Wai; Heller,Toby; Hoffberg,Steven M., Telephony control system with intelligent call routing.
  328. Loy, John J., Trade receivable processing method and apparatus.
  329. Loy, John J., Trade receivable processing method and apparatus.
  330. Loy, John J., Trade receivable processing method and apparatus.
  331. Loy,John J., Trade receivable processing method and apparatus.
  332. Banaugh, Michelle; Knowlton, Timothy R.; Wood, George L., Transaction ID system and process.
  333. Banaugh, Michelle; Knowlton, Timothy R.; Wood, George L., Transaction ID system and process.
  334. Field, Manning R.; Reinhard, Walter Brent, Transaction device.
  335. Eckert, Daniel J., User selectable functionality facilitator.
  336. Eckert, Daniel J., User selectable functionality facilitator.
  337. Simons, Paul, Variable rate payment card.
  338. Simons, Paul, Variable rate payment card.
  339. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Virtual private lock box.
  340. 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.
  341. Hankins, Matthew; Mann, III, William; Dickelman, Mark, Waterfall prioritized payment processing.
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