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1. (WO2019030647) PRE-CONFIGURABLE PAYMENT CARDS FOR FINANCIAL TRANSACTIONS
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Pub. No.: WO/2019/030647 International Application No.: PCT/IB2018/055902
Publication Date: 14.02.2019 International Filing Date: 06.08.2018
IPC:
G06Q 20/34 (2012.01) ,G06Q 20/20 (2012.01)
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
30
characterised by the use of specific devices
34
using cards, e.g. integrated circuit [IC] cards or magnetic cards
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
08
Payment architectures
20
Point-of-sale [POS] network systems
Applicants:
ADARI, Swarna Kumari [IN/IN]; IN
Inventors:
ADARI, Swarna Kumari; IN
Agent:
KHURANA & KHURANA, ADVOCATES & IP ATTORNEYS; E-13, UPSIDC, Site-IV, Behind-Grand Venice Kasna Road, Greater Noida, National Capital Region, Uttar Pradesh 201310, IN
Priority Data:
20174102850910.08.2017IN
Title (EN) PRE-CONFIGURABLE PAYMENT CARDS FOR FINANCIAL TRANSACTIONS
(FR) CARTES DE PAIEMENT PRÉCONFIGURABLES POUR TRANSACTIONS FINANCIÈRES
Abstract:
(EN) The present disclosure relates to pre-configurable payment cards that allows faster financial transactions such as cash withdrawals or cash deposits and the like at an automated teller machine (ATM) or a cash dispenser machines or Point-Of-Sale (PoS) machines. In an aspect, a payment card is configured with a selectable numerals/numbers. A cardholder can preset/configure an amount that needs to be withdrawn or deposited, by arranging/selecting the numbers provided on the card. In another aspect, a payment card configured with a display/user interface, a numeric keypad, motion sensors or solar panels, electrical circuitry for conversion of motion/kinetic or solar energy into electrical energy, and a rechargeable battery. Once the user inserts the card into an ATM and enters authentic PIN, the ATM reads the pre-configured amount and completes the transaction based on the arranged/selected the numbers provided on the card.
(FR) La présente invention concerne des cartes de paiement préconfigurables qui permettent des transactions financières plus rapides de type retrait d'argent ou dépôt d'argent et similaire dans un guichet automatique (ATM) ou un distributeur d'argent automatique ou des machines de points de vente (PoS). Selon un aspect, une carte de paiement est configurée avec un numéro/nombre sélectionnable. Un porte-carte peut prédéfinir/configurer une quantité qui doit être retirée ou déposée, en agençant/sélectionnant les nombres disposés sur la carte. Selon un autre aspect, une carte de paiement configurée avec une interface d'affichage/d'utilisateur, un pavé numérique, des capteurs de mouvement ou des panneaux solaires, des circuits électriques de conversion de mouvement/énergie cinétique ou d'énergie solaire en énergie électrique, et une batterie rechargeable. Lorsque l'utilisateur insère la carte dans un ATM et entre un PIN authentique, l'ATM lit la quantité préconfigurée et termine la transaction sur la base des nombres agencés/sélectionnés disposés sur la carte.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)