IPC분류정보
국가/구분 |
United States(US) Patent
등록
|
국제특허분류(IPC7판) |
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출원번호 |
US-0501313
(2009-07-10)
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등록번호 |
US-8157165
(2012-04-17)
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발명자
/ 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 |
피인용 횟수 :
1 인용 특허 :
51 |
초록
▼
Embodiments of the present invention provide a user station or input medium allowing a user to view available functions and to enter selection information for requesting the association of one or more functions with a user operation vehicle. A verifier, responsive to the user station or input medium
Embodiments of the present invention provide a user station or input medium allowing a user to view available functions and to enter selection information for requesting the association of one or more functions with a user operation vehicle. A verifier, responsive to the user station or input medium, can be provided to determine based upon a set of pre-determined rules, whether the user is entitled to the selected functions. A linkage generator can be provided to associate a user operation vehicle with the selected functions after they have been verified by the verifier. A reward function may also be combined with one or more of the functions associated with the user operation vehicle. Interoperability can also be provided between functions on a user operation vehicle based on a pre-determined set of rules. The interoperability between functions may be bidirectional.
대표청구항
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1. A system for establishing functionality for a user operation vehicle, comprising: a selection unit allowing a user to view offered functions and to enter selection information requesting the association of selected functions with the user operation vehicle, wherein the offered functions include a
1. A system for establishing functionality for a user operation vehicle, comprising: a selection unit allowing a user to view offered functions and to enter selection information requesting the association of selected functions with the user operation vehicle, wherein the offered functions include a debit function and at least one other type of function other than debit; anda financial processing entity in communication with the selection unit, wherein the financial processing entity includes:a verifier to receive the selected functions entered by the user through the selection unit and to determine whether the user is authorized to have the selected functions linked with the user operation vehicle;a linkage generator configured to link the user operation vehicle with the selected functions when authorization of the selected functions has been determined by the verifier;one or more data repositories to store account information corresponding to the selected functions linked to the user operation vehicle by the linkage generator; andan account interface unit to perform data layer abstraction, caching, and resource management and to provide an interface between the one or more data repositories, the verifier, and the linkage generator. 2. The system of claim 1, wherein the one or more data repositories include a credit account repository storing account information corresponding to credit functions linked to the user operation vehicle, a debit account repository storing account information corresponding to debit functions linked to the user operation vehicle, a reward account repository storing account information corresponding to reward functions linked to the user operation vehicle, and a prepaid account repository storing account information corresponding to reward functions linked to the user operation vehicle. 3. The system of claim 1, further comprising a point of sale to generate transaction information generated by utilization of the user operation vehicle at the point of sale; andwherein the financial processing entity is configured to process the transaction information. 4. The system of claim 1, wherein the financial processing entity includes a processor and a memory with instructions to cause the processor to verify the correctness of the transaction information, perform settlement, and provide confirmation of the transaction. 5. The system of claim 1, wherein the financial processing entity is configured to communicate with a third party to perform settlement of debit transactions, credit transactions, reward transactions, and prepaid transactions. 6. A system for establishing functionality for a user operation vehicle, comprising: a user station or input medium allowing a user to view offered functions and to enter selection information requesting the association of selected functions with the user operation vehicle, wherein the offered functions include a debit function and at least one other type of function other than debit;a verifier to receive the selected functions entered by the user through the user station or input medium and to determine whether the user is authorized to have the selected functions linked with the user operation vehicle; anda linkage generator configured to link the user operation vehicle with the selected functions when authorization of the selected functions has been determined by the verifier. 7. The system of claim 6, wherein the user station or input medium allows the user to request interoperability be activated between the selected functions. 8. The system of claim 6, wherein the user station or input medium allows the user to select from a pre-defined set of interoperability rules that have been presented on the user station or input medium. 9. The system of claim 8, wherein the pre-defined set of interoperability rules include group rules relating to a group to which the user belongs or to a specialized parent/child rule set. 10. The system of claim 6, wherein the user station or input medium allows the user to enter user-defined interoperability rules. 11. The system of claim 6, wherein the user station or input medium allows the user to submit one or more related user operation vehicles with additional functions that can be linked with the user operation vehicle. 12. The system of claim 6, wherein the offered function other than debit is selected from a group consisting of a credit function, a prepaid function, and a reward function. 13. The system of claim 6, wherein the offered functions include a retailer function that can only be used at a retailer participating in a payment system associated with the retailer function. 14. The system of claim 6, wherein the user station is a networked computer using a website to interact with the user. 15. The system of claim 6, further comprising: a point of sale unit to generate transaction information generated in response to the user selecting one of the linked functions to complete a purchase transaction; anda financial processing entity to process the transaction information. 16. The system of claim 6, wherein the user operation vehicle is a smart card or a biometric identifier. 17. A computer-based method establishing the functionality for a user operation vehicle, the method comprising: displaying on a user station a list of two or more offered functions that can be selected by a user, wherein the list of two or more offered functions include a debit function and at least one other type of function other than debit;sending, from the user station to a financial processing entity, a request to provide the user operation vehicle with at least one of the two or more offered functions selected by the user; andreceiving at the user station a linking status of the user operation vehicle, wherein the linking status includes a confirmation on the status of the at least one of the two or more offered functions selected by the user. 18. The computer-based method of claim 17, wherein the list of two or more offered functions includes two or more debit functions, two or more credit functions, two or more prepaid functions, or two or more reward functions. 19. The computer-based method of claim 17, wherein the functions selected by the user include two or more functions that can interoperate. 20. The computer-based method of claim 17, wherein the method further comprises allowing the user to request interoperability be activated between the selected functions. 21. The computer-based method of claim 17, wherein the method further comprises displaying on the user station a pre-defined set of interoperability rules for the user to select. 22. A computer-based method establishing the functionality for a user operation vehicle, the method comprising: sending, to a user station or input medium, a list of two or more offered functions that can be selected by a user, wherein the list of two or more offered functions include a debit function and at least one other type of function other than debit;receiving, from the user station or input medium, a request to provide the user operation vehicle with at least one of the two or more offered functions selected by the user; andlinking the user operation vehicle with the at least one of the two or more offered functions selected by the user. 23. The computer-based method of claim 22, further comprising: transferring the request to a verifier, wherein the verifier determines that the at least one of the two or more offered functions are authorized to be linked to the user operation vehicle; andwherein only functions determined to be authorized by the verifier are linked to the user operation vehicle. 24. The computer-based method of claim 23, wherein the verifier uses a pre-determined set of rules to determine that the at least one of the two or more offered functions are authorized to be linked to the user operation vehicle. 25. The computer-based method of claim 22, wherein the list of two or more offered functions includes a debit function and at least one of a credit function and a prepaid function. 26. The computer-based method of claim 22, wherein the list of two or more offered functions include functions selected from a group consisting of a debit function, a credit function, a prepaid function, and a reward function. 27. The computer-based method of claim 22, wherein the list of two or more offered functions include two or more debit functions, two or more credit functions, two or more prepaid functions, or two or more reward functions. 28. The computer-based method of claim 22, wherein the functions selected by the user include two or more functions that can interoperate. 29. The computer-based method of claim 22, wherein the method further comprises allowing the user to request interoperability be activated between the functions selected by the user. 30. The computer-based method of claim 22, wherein the method further comprises presenting on the user station or input medium a pre-defined set of interoperability rules for the user to select. 31. The computer-based method of claim 30, wherein the pre-defined set of interoperability rules include group rules relating to a group to which the user belongs or to a specialized parent/child rule set. 32. The computer-based method of claim 22, wherein the method further comprises receiving a user-defined interoperability rule from the user. 33. The computer-based method of claim 22, wherein the method further comprises receiving information regarding one or more related user operation vehicles with additional functions to be linked with the user operation vehicle. 34. A processing system for setting up a multi-function user operation vehicle, the processing system comprising: a verifier to verify that one or more selected functions selected by a user for association with the multi-function user operation vehicle are authorized to be associated with the multi-function user operation vehicle, wherein the one or more selected functions have been selected from an offering of functions that include a debit function and at least one other type of function other than debit;a linkage generator to link to the multi-function user operation vehicle with the selected functions that have been authorized by the verifier; andone or more data repositories to store account information corresponding to the functions linked to the multi-function user operation vehicle by the linkage generator. 35. The processing system of claim 34, wherein the one or more data repositories include a credit account repository storing account information corresponding to credit functions linked to the multi-function user operation vehicle, a debit account repository storing account information corresponding to debit functions linked to the multi-function user operation vehicle, a reward account repository storing account information corresponding to reward functions linked to the multi-function user operation vehicle, and a prepaid account repository storing account information corresponding to reward functions linked to the multi-function user operation vehicle. 36. The processing system of claim 34, further comprising a point of sale to generate transaction information generated by utilization of the multi-function user operation vehicle at the point of sale; anda financial processing entity to process the transaction information. 37. The processing system of claim 36, wherein the financial processing entity includes a processor and a memory with instructions to cause the processor to verify the correctness of the transaction information, perform settlement, and provide confirmation of the transaction. 38. The processing system of claim 36, wherein the financial processing entity includes a processor and a memory with instructions to cause the processor to communicate with a third party to perform settlement of debit transactions. 39. The processing system of claim 36, wherein the financial processing entity manages communication between the verifier and the linkage generator. 40. The processing system of claim 34, wherein the linkage generator links the multi-function user operation vehicle with the selected functions by creating or updating a user account on the one or more data repositories. 41. The processing system of claim 34, further comprising an account interface unit to provide an interface between the one or more data repositories, the verifier, and the linkage generator. 42. The processing system of claim 41, wherein the account interface unit is operable to perform data layer abstraction, caching, and resource management. 43. The processing system of claim 34, wherein the linkage generator collects and stores account information about the multi-function user operation vehicle. 44. The processing system of claim 43, wherein the linkage generator stores on the multi-function user operation vehicle at least part of the account information corresponding to the linked functions. 45. The processing system of claim 34, wherein the multi-function user operation vehicle includes a memory, and wherein the linkage generator stores on the memory at least part of the account information corresponding to the linked functions. 46. The processing system of claim 34, wherein the verifier is in communication with a user station or an input medium that allows the user to view a set of offered functions and to enter selection information requesting the association of selected functions with the multi-function user operation vehicle. 47. A system for establishing functionality to a user operation vehicle, comprising: a selection means for allowing a user to enter selection information for requesting the association of two or more functions with the user operation vehicle;a verification means for determining whether any of the two or more functions are authorized to be associated with the user operation vehicle; anda means for associating any of the two or more functions with the user operation vehicle when a determination is made that any of the two or more functions are authorized. 48. The system of claim 47, wherein the two or more functions include functions selected from a group consisting of a debit function, a credit function, a reward function, and a prepaid function. 49. The system of claim 47, further comprising: a means for storing account information corresponding to the functions associated to the user operation vehicle by the means for associating any of the two or more functions with the user operation vehicle; andan interface means for performing data layer abstraction, caching, and resource management and for providing an interface between the means for storing account information, the verification means, and the means for associating any of the two or more functions with the user operation vehicle. 50. The system of claim 47, wherein the means for associating any of the two or more functions with the user operation vehicle includes a processor operable to execute instructions stored in a memory and the instructions causing the processor to receive information regarding functions authorized to be associated to the user operation vehicle and to link the functions to the user operation vehicle. 51. The system of claim 47, further comprising: a means for generating transaction information after the utilization of the user operation vehicle; anda means for processing the transaction information. 52. A system for processing a user operation vehicle with multiple payment functions each associated with a unique personal identification number (PIN) comprising: a point of sale configured to receive identification information identifying the user operation vehicle, wherein upon receiving the identification information the POS requests entry of one of the unique PINs associated with one of the multiple payment functions;a financial processing entity configured to receive the identification information and the unique PIN entered at the point of sale, wherein the financial processing entity determines the payment function associated with the unique PIN that was received and uses the determined payment function to process a transaction. 53. The system of claim 52, wherein each unique PIN includes a common portion and a unique portion. 54. The system of claim 52, wherein the point of sale also generates transaction information that is transferred to the financial processing entity, and wherein the financial processing entity includes a processor and a memory with instructions to cause the processor to verify the correctness of the transaction information, perform settlement, and provide confirmation of the transaction. 55. The system of claim 52, wherein the financial processing entity is configured to communicate with a third party to perform settlement of debit transactions, credit transactions, reward transaction, and prepaid transactions. 56. The system of claim 52, wherein the financial processing entity manages communication between a verifier and a linkage generator. 57. The system of claim 56, wherein the linkage generator links the user operation vehicle with the selected functions by creating or updating a user account on one or more data repositories that store account information corresponding to the functions linked to the user operation vehicle by the linkage generator. 58. The system of claim 52, wherein the financial processing entity further comprising an account interface unit to provide an interface between one or more data repositories, a verifier, and a linkage generator. 59. The system of claim 58, wherein the account interface unit is operable to perform data layer abstraction, caching, and resource management.
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