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WO2011005848A3 - Systems and methods for per-transaction financial card enabled personal financial management - Google Patents

Systems and methods for per-transaction financial card enabled personal financial management Download PDF

Info

Publication number
WO2011005848A3
WO2011005848A3 PCT/US2010/041193 US2010041193W WO2011005848A3 WO 2011005848 A3 WO2011005848 A3 WO 2011005848A3 US 2010041193 W US2010041193 W US 2010041193W WO 2011005848 A3 WO2011005848 A3 WO 2011005848A3
Authority
WO
WIPO (PCT)
Prior art keywords
systems
transaction
methods
financial
per
Prior art date
Application number
PCT/US2010/041193
Other languages
French (fr)
Other versions
WO2011005848A2 (en
Inventor
Richard H. Chenot
Original Assignee
Chenot Richard H
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
Priority claimed from US12/498,941 external-priority patent/US8265998B2/en
Priority claimed from US12/498,946 external-priority patent/US20110010254A1/en
Priority claimed from US12/498,953 external-priority patent/US8290868B2/en
Priority claimed from US12/613,729 external-priority patent/US8439274B2/en
Application filed by Chenot Richard H filed Critical Chenot Richard H
Priority to EP10797775.3A priority Critical patent/EP2467817A4/en
Publication of WO2011005848A2 publication Critical patent/WO2011005848A2/en
Publication of WO2011005848A3 publication Critical patent/WO2011005848A3/en

Links

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
    • G06Q20/30—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
    • G06Q20/347—Passive cards
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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

Landscapes

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

Abstract

Systems and methods for personal financial management using a financial card having a primary account with a plurality of subaccounts within the primary account, the systems and methods includes the financial management, transaction processing systems such as point of sales system, financial account management system and support systems are configured for processing transactions from user selected subaccounts within the primary account in real time at the time of processing each payment transaction and including processing each transaction from user selected subaccounts by indicating at the time of each transaction a particular transaction identifier indicating the particular subaccount within the primary account.
PCT/US2010/041193 2009-07-07 2010-07-07 Systems and methods for per-transaction financial card enabled personal financial management WO2011005848A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP10797775.3A EP2467817A4 (en) 2009-07-07 2010-07-07 Systems and methods for per-transaction financial card enabled personal financial management

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
US12/498,941 US8265998B2 (en) 2009-07-07 2009-07-07 Systems and methods for per-transaction financial card enabled personal financial management
US12/498,953 2009-07-07
US12/498,941 2009-07-07
US12/498,946 US20110010254A1 (en) 2009-07-07 2009-07-07 Transaction processing systems and methods for per-transaction personal financial management
US12/498,946 2009-07-07
US12/498,953 US8290868B2 (en) 2009-07-07 2009-07-07 Financial cards and methods for per-transaction personal financial management
US12/613,729 2009-11-06
US12/613,729 US8439274B2 (en) 2009-07-07 2009-11-06 Financial card with a per-transaction user definable magnetic strip portion

Publications (2)

Publication Number Publication Date
WO2011005848A2 WO2011005848A2 (en) 2011-01-13
WO2011005848A3 true WO2011005848A3 (en) 2011-07-07

Family

ID=43429814

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2010/041193 WO2011005848A2 (en) 2009-07-07 2010-07-07 Systems and methods for per-transaction financial card enabled personal financial management

Country Status (2)

Country Link
EP (1) EP2467817A4 (en)
WO (1) WO2011005848A2 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108475374B (en) * 2015-08-17 2022-04-19 维尔雷恩斯控股有限公司 Payment device with multiple modes for conducting financial transactions
WO2017031198A1 (en) 2015-08-17 2017-02-23 Transworld Holdings PCC Limited (S1 Technology Cell) Payment devices having multiple modes of conducting financial transactions
FR3067492B1 (en) * 2017-06-13 2019-07-19 Ingenico Group METHOD OF TRANSMITTING DATA TO A MAGNETIC READING HEAD, RECEIVED DATA PROCESSING METHOD, PAYMENT TERMINAL AND PROGRAM THEREOF

Citations (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010086928A (en) * 2000-03-04 2001-09-15 구홍식 A card for overall financial information
KR20040040827A (en) * 2002-11-08 2004-05-13 박정웅 Card provided with a password input key and activating method of the same
KR20050086789A (en) * 2002-11-27 2005-08-30 헨리크 쿨라코브스키 Method of accounting electronic transactions
US20070168265A1 (en) * 2004-06-10 2007-07-19 Rosenberger Ronald J Method, transaction card or identification system for transaction network comprising proprietary card network, eft, ach, or atm, and global account for end user automatic or manual presetting or adjustment of multiple account balance payoff, billing cycles, budget control and overdraft or fraud protection for at least one transaction debit using at least two related financial accounts to maximize both end user control and global account issuer fees from end users and merchants, including account, transaction and interchange fees
KR20080022823A (en) * 2006-09-08 2008-03-12 주식회사 신한은행 System and method for exchanging ic card storing information and program recording medium
KR20080052540A (en) * 2008-05-28 2008-06-11 주식회사 신한은행 System for operating ic card
US20080314971A1 (en) * 2007-06-22 2008-12-25 Faith Patrick L Mobile subscriber device for financial transaction tokens
US20080319912A1 (en) * 2007-06-22 2008-12-25 Faith Patrick L Powering financial transaction token with onboard and external power source
KR20090002050A (en) * 2007-06-04 2009-01-09 주식회사 신한은행 System and method for operating card with plural accounts and program recording medium
US20090037333A1 (en) * 1998-03-25 2009-02-05 Orbis Patents Limited Credit cards system and method having additional features
KR20090036613A (en) * 2007-10-10 2009-04-15 주식회사 신한은행 System and method for registering card settlement account and recording medium
US20090150271A1 (en) * 1999-11-05 2009-06-11 American Express Travel Related Services Company, Inc. Systems and Methods for Authorizing an Allocation of an Amount Between Transaction Accounts

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7600673B2 (en) * 1999-08-09 2009-10-13 First Data Corporation Systems and methods for performing transactions at a point-of-sale
US20060259390A1 (en) * 2003-06-19 2006-11-16 Rosenberger Ronald J Multiple account preset parameter method, apparatus and systems for financial transactions and accounts

Patent Citations (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090037333A1 (en) * 1998-03-25 2009-02-05 Orbis Patents Limited Credit cards system and method having additional features
US20090150271A1 (en) * 1999-11-05 2009-06-11 American Express Travel Related Services Company, Inc. Systems and Methods for Authorizing an Allocation of an Amount Between Transaction Accounts
KR20010086928A (en) * 2000-03-04 2001-09-15 구홍식 A card for overall financial information
KR20040040827A (en) * 2002-11-08 2004-05-13 박정웅 Card provided with a password input key and activating method of the same
KR20050086789A (en) * 2002-11-27 2005-08-30 헨리크 쿨라코브스키 Method of accounting electronic transactions
US20070168265A1 (en) * 2004-06-10 2007-07-19 Rosenberger Ronald J Method, transaction card or identification system for transaction network comprising proprietary card network, eft, ach, or atm, and global account for end user automatic or manual presetting or adjustment of multiple account balance payoff, billing cycles, budget control and overdraft or fraud protection for at least one transaction debit using at least two related financial accounts to maximize both end user control and global account issuer fees from end users and merchants, including account, transaction and interchange fees
KR20080022823A (en) * 2006-09-08 2008-03-12 주식회사 신한은행 System and method for exchanging ic card storing information and program recording medium
KR20090002050A (en) * 2007-06-04 2009-01-09 주식회사 신한은행 System and method for operating card with plural accounts and program recording medium
US20080314971A1 (en) * 2007-06-22 2008-12-25 Faith Patrick L Mobile subscriber device for financial transaction tokens
US20080319912A1 (en) * 2007-06-22 2008-12-25 Faith Patrick L Powering financial transaction token with onboard and external power source
KR20090036613A (en) * 2007-10-10 2009-04-15 주식회사 신한은행 System and method for registering card settlement account and recording medium
KR20080052540A (en) * 2008-05-28 2008-06-11 주식회사 신한은행 System for operating ic card

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP2467817A4 *

Also Published As

Publication number Publication date
EP2467817A2 (en) 2012-06-27
WO2011005848A2 (en) 2011-01-13
EP2467817A4 (en) 2014-04-09

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