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1. (WO1999024892) VIRTUAL WALLET SYSTEM
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/1999/024892 International Application No.: PCT/US1998/024092
Publication Date: 20.05.1999 International Filing Date: 12.11.1998
IPC:
G07F 19/00 (2006.01) ,B65G 61/00 (2006.01) ,G06F 1/00 (2006.01) ,G06F 12/14 (2006.01) ,G06F 21/00 (2006.01) ,G06F 21/24 (2006.01) ,G06Q 20/00 (2012.01) ,G06Q 30/00 (2012.01) ,G07F 7/08 (2006.01) ,G07F 7/10 (2006.01) ,G07F 7/12 (2006.01)
G PHYSICS
07
CHECKING-DEVICES
F
COIN-FREED OR LIKE APPARATUS
19
Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
B PERFORMING OPERATIONS; TRANSPORTING
65
CONVEYING; PACKING; STORING; HANDLING THIN OR FILAMENTARY MATERIAL
G
TRANSPORT OR STORAGE DEVICES, e.g. CONVEYORS FOR LOADING OR TIPPING, SHOP CONVEYOR SYSTEMS OR PNEUMATIC TUBE CONVEYORS
61
Use of pick-up or transfer devices or of manipulators for stacking or de-stacking articles not otherwise provided for
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
F
ELECTRIC DIGITAL DATA PROCESSING
1
Details not covered by groups G06F3/-G06F13/82
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
F
ELECTRIC DIGITAL DATA PROCESSING
12
Accessing, addressing or allocating within memory systems or architectures
14
Protection against unauthorised use of memory
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
F
ELECTRIC DIGITAL DATA PROCESSING
21
Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
F
ELECTRIC DIGITAL DATA PROCESSING
21
Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
24
by protecting data directly, e.g. by labelling
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30
Commerce, e.g. shopping or e-commerce
G PHYSICS
07
CHECKING-DEVICES
F
COIN-FREED OR LIKE APPARATUS
7
Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
08
by coded identity card or credit card
G PHYSICS
07
CHECKING-DEVICES
F
COIN-FREED OR LIKE APPARATUS
7
Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
08
by coded identity card or credit card
10
together with a coded signal
G PHYSICS
07
CHECKING-DEVICES
F
COIN-FREED OR LIKE APPARATUS
7
Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
08
by coded identity card or credit card
12
Card verification
Applicants:
CITICORP DEVELOPMENT CENTER, INC. [US/US]; 12731 W. Jefferson Boulevard Los Angeles, CA 90066, US (AllExceptUS)
PALTENGHE, Cris, T. [US/US]; US (UsOnly)
MAMDANI, Alnoor, B. [US/US]; US (UsOnly)
GOLVIN, Charles [US/US]; US (UsOnly)
LICHSTEIN, Henry [US/US]; US (UsOnly)
SOLO, David [US/US]; US (UsOnly)
PAN, Jack [US/US]; US (UsOnly)
TAKATA, Melvin, M. [US/US]; US (UsOnly)
Inventors:
PALTENGHE, Cris, T.; US
MAMDANI, Alnoor, B.; US
GOLVIN, Charles; US
LICHSTEIN, Henry; US
SOLO, David; US
PAN, Jack; US
TAKATA, Melvin, M.; US
Agent:
MARCOU, George, T. ; Kilpatrick Stockton LLP Suite 800 700 13th Street Washington, DC 20005, US
Priority Data:
60/065,29111.11.1997US
60/081,74814.04.1998US
Title (EN) VIRTUAL WALLET SYSTEM
(FR) SYSTEME DE PORTEFEUILLE VIRTUEL
Abstract:
(EN) The present invention provides apparatus, methods and systems for information and financial banking. Apparatus of the present invention include virtual wallets which allow for information and financial banking including payment mechanisms; identity authentication mechanisms; personal information; and electronic artifacts. Methods and systems of the present invention include information and financial banking methods utilizing virtual wallets. A preferred virtual wallet comprises a locally residing portion and a server residing portion. An interface is provided for communication between the two portions of the wallet.
(FR) Cette invention se rapporte à un appareil, à des procédés et à des systèmes pour la réalisation d'opérations bancaires informatiques et financières. L'appareil de cette invention comprend des portefeuilles virtuels qui permettent l'exécution d'opérations bancaires informatiques et financières, englobant les mécanismes de paiement, les mécanismes d'authentification d'identité, des informations personnelles et les artéfacts électroniques. Les procédés et les systèmes de cette invention concernent des procédés de réalisation d'opérations bancaires informatiques et financières qui utilisent des portefeuilles virtuels. Un portefeuille virtuel préféré comprend une partie résidant localement et une partie résidant sur un serveur. Une interface est prévue pour établir la communication entre les deux parties du portefeuille.
front page image
Designated States: AL, AM, AT, AU, AZ, BA, BB, BG, BR, BY, CA, CH, CN, CU, CZ, DE, DK, EE, ES, FI, GB, GE, GH, GM, HR, HU, ID, 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
African Regional Intellectual Property Organization (ARIPO) (GH, GM, KE, LS, MW, SD, SZ, UG, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM)
European Patent Office (AT, BE, CH, CY, DE, DK, ES, FI, FR, GB, GR, IE, IT, LU, MC, NL, PT, SE)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GW, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
AU1999015844