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1. WO2002021377 - SYSTEM AND METHOD FOR CASHLESS TRANSACTIONS

Publication Number WO/2002/021377
Publication Date 14.03.2002
International Application No. PCT/US2001/027168
International Filing Date 30.08.2001
Chapter 2 Demand Filed 05.04.2002
IPC
G06Q 20/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
G06Q 40/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
CPC
G06Q 20/04
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
04Payment circuits
G06Q 20/10
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 40/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G07F 19/201
GPHYSICS
07CHECKING-DEVICES
FCOIN-FREED OR LIKE APPARATUS
19Complete 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
20Automatic teller machines [ATMs]
201Accessories of ATMs
Applicants
  • ARDENT TECHNOLOGY [US]/[US]
Inventors
  • CURTIS, Keith
  • RICHARDS, David
  • RUNION, Brett
Agents
  • ANDERSON, Philip, J.
Priority Data
09/942,85429.08.2001US
60/231,39308.09.2000US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEM AND METHOD FOR CASHLESS TRANSACTIONS
(FR) SYSTEME ET PROCEDE DE TRANSACTION ELECTRONIQUE
Abstract
(EN)
A system for transmitting and recording the transfer of electronic funds to a payment acceptor includes a personal data unit (8) and transaction node (5). The personal data unit (8) includes a microprocessor (20) having a data storage structure (21) storing an electronic funds balance connected to a data transmitter (26). The transaction node (5) includes a node receiver connected to the payment acceptor. Upon receiving a signal from the data transmitter (26), the node receiver signals receipt of electronic funds to the payment acceptor which in turn, debits of credits the electronic funds received in exchange for goods or services. In an optional embodiment, the system includes a transaction and information database for tracking transactions and, optionally, storing identity validation data (28) to verify the identity of users transacting electronic funds. A transaction hub (11) is optionally used to exchange electronic funds for cash or credit.
(FR)
L'invention concerne un système destiné à la transmission et à l'enregistrement de transferts de fonds électroniques vers un accepteur de paiement, comprenant une unité de données personnelles (8) et un noeud de transaction (5). L'unité de données personnelles (8) se compose d'un microprocesseur (20) comprenant une structure de stockage de données (21) destinée au stockage d'une balance des fonds électroniques et relié à un émetteur de données (26). Le noeud de transaction (5) comprend un noeud récepteur relié à l'accepteur de paiement. Lors de la réception d'un signal provenant de l'émetteur de données (26), le noeud récepteur signale la réception de fonds électroniques à l'accepteur de paiement qui, à son tour, débite ou crédite les fonds électroniques reçus en échange de biens ou de services. Dans un mode de réalisation en option, le système comprend une base de données relatives aux transactions et aux informations, destinée au suivi des transactions et, éventuellement, au stockage de données de validation d'identité (28), pour vérifier l'identité des utilisateurs effectuant des transactions de fonds électroniques. Un concentrateur de transactions (11) est utilisé en option pour l'échange de fonds électroniques, pour les liquidités ou les crédits.
Also published as
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