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Pre-Grant Publication Number: 20090006254

Virtual prepaid or credit card and process and system for providing same and for electronic payments

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Prior Art Detail

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#451Digital Wallet Juggles Your Finances

Applies to Claims 1,10,20,24,6

Submitted by: Mark WebbinkLast updated: almost 4 years ago

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Summary / Description

Summary / Description	A handheld Digital Wallet that dispenses with the need for cash, checks, or credit cards

Basic Information

Type of Prior Art	Online Publication

URL	http://www.gearlive.com/news/ar...

Author/Creator	Sheila Franklin

Title	Gear Live

Publication Date	November 1, 2007

Publisher	Geer Live Media

Directions to Document Location

Additional Information

Notes / To Do

Notes	Specifically mentions a device called the Digital Wallet from Veronica Vail

Excerpt

Excerpt

You can monitor your account, track investments, and make credit card payments.

Relevance

Claims

Virtual prepaid or credit card, comprising a data set, free of a physical substrate, the data set being located in a memory of a transmitter or receiver and adapted to authorize a person who is in possession thereof to pay for a product or service, conduct an online transaction, or to obtain cash, the data set being obtainable in response to a user enrollment procedure and useable as a credit card or a pre-payment account, and being available at the receiver which comprises a telecommunication terminal of an enrolled holder for display and transmission.

Relevance

Ability to make electronic credit card payments from a device containing the credit card information.

Claim Chart

All

Process for providing a virtual prepaid or credit card, as a data set being adapted to authorize a person who is in possession thereof to pay for a product or service, conduct an online transaction, or to obtain cash, the process comprising: evaluating credit card account data or pre-payment data, to establish the data set, and a user enrollment procedure to form the data set, transmitting the data set to a telecommunication terminal of an enrolled holder via a mobile network or data transmission network.

Relevance

Ability to make electronic credit card payments from a device containing the credit card information.

Claim Chart

All

Process for electronic payments using a virtual prepaid or credit card, comprising: sending payment instructions as electronic messages from a telecommunication terminal of the holder to a gateway of an authorization system server, checking the payment instructions by the server and, in response to a positive result of the checking, processing the instructions for controlling a payment procedure, and after the processing, transmitting electronic confirmation messages to a payee predetermined by the holder.

Relevance

Ability to make electronic credit card payments from a device containing the credit card information.

Claim Chart

All

System for providing a virtual prepaid or credit card, as a data set, free of a physical substrate, the data being adapted to authorize a person who is in possession thereof to pay for a product or service, conduct an online transaction, or to obtain cash, the data set being useable as a credit card account or a pre-payment account and in response to a user enrollment procedure, and being available at a telecommunication terminal, of the enrolled holder for display and transmission, the system comprisinga credit card account or payment server storing and processing credit card or pre-payment data of a user and system-internal electronic accounts, as well as way of payment data for electronic transactions from/to system-external accounts,

an authorization system server storing and processing user authentication data, including biometric data of the user,

credit card data set generation means being connected to both the credit card data server and authentication server for establishing the data set defining the virtual credit card or a way of payment, and

data set transmissions means for transmitting the card data set or payment data set via a telecommunications network or data transfer network, to a user terminal connected to the network or to the authorization system server.

Relevance

Ability to make electronic credit card payments from a device containing the credit card information.

Claim Chart

All

Arrangement for electronic payments, including a system, credit card account or payment server storing and processing credit card or pre-payment data of a user and system-internal electronic accounts, as well as payment data for electronic transactions from/to system-external accounts, an authorization system server storing and processing user authentication data, including biometric data of the user,credit card data set generation means being connected to both the credit card data server and authentication server for establishing the data set defining the virtual credit card or a way of payment, and

data set transmissions means for transmitting the card data set or payment data set via a telecommunications network or a mobile network, to a user terminal connected to the network or to the authorization system server, wherein the authorization system server is adapted to check electronic messages being sent from the telecommunication terminals of card holders, for controlling a payment procedure and, if valid, for forwarding same, wherein the check includes a check of user authentication data and the processing includes the generation and transmission of control data sets for electronically transferring payment amounts at least one of toor from system accounts being managed by the payment server.

Relevance

Ability to make electronic credit card payments from a device containing the credit card information.

Claim Chart

All

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