WO2006060286A3 - Account control method and system that allows only eligible and authorized items to be purchased using the account - Google Patents

Account control method and system that allows only eligible and authorized items to be purchased using the account Download PDF

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Publication number
WO2006060286A3
WO2006060286A3 PCT/US2005/042811 US2005042811W WO2006060286A3 WO 2006060286 A3 WO2006060286 A3 WO 2006060286A3 US 2005042811 W US2005042811 W US 2005042811W WO 2006060286 A3 WO2006060286 A3 WO 2006060286A3
Authority
WO
WIPO (PCT)
Prior art keywords
account
eligible
purchased
allows
control method
Prior art date
Application number
PCT/US2005/042811
Other languages
French (fr)
Other versions
WO2006060286A2 (en
Inventor
Cullen L Reed
Richard L Stephenson
Steven T Brown
Joanne E Gruchalski
Henry A Widenski Jr
Jeffrey Jay Erdmann
Original Assignee
Humana Inc
Metavante Corp
Cullen L Reed
Richard L Stephenson
Steven T Brown
Joanne E Gruchalski
Henry A Widenski Jr
Jeffrey Jay Erdmann
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
Application filed by Humana Inc, Metavante Corp, Cullen L Reed, Richard L Stephenson, Steven T Brown, Joanne E Gruchalski, Henry A Widenski Jr, Jeffrey Jay Erdmann filed Critical Humana Inc
Priority to MX2007006604A priority Critical patent/MX2007006604A/en
Priority to AU2005312102A priority patent/AU2005312102B2/en
Priority to EP05852219A priority patent/EP1828962A4/en
Priority to CA002589769A priority patent/CA2589769A1/en
Publication of WO2006060286A2 publication Critical patent/WO2006060286A2/en
Publication of WO2006060286A3 publication Critical patent/WO2006060286A3/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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/208—Input by product or record sensing, e.g. weighing or scanner processing
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

The present invention relates to a real time account control method and system that allows only eligible and authorized item to be purchased using the account. The system includes a point of sale system (20) having at least one input device (22) and a process system (26). The system also includes a transaction processor system (30) having data structures configured to contain eligible item identifiers (32), authorized item identifiers (34), transaction data detail (36) and a decision system (38) which use the information in the data structures to process transactions and provide transaction information to the point of sale system (20). The system further include at least one data communications network (42, 44) configured to provide communication between the point of sale system (20), the transaction processor system (30), and a financial card network (40).
PCT/US2005/042811 2004-12-01 2005-11-23 Account control method and system that allows only eligible and authorized items to be purchased using the account WO2006060286A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
MX2007006604A MX2007006604A (en) 2004-12-01 2005-11-23 Account control method and system that allows only eligible and authorized items to be purchased using the account.
AU2005312102A AU2005312102B2 (en) 2004-12-01 2005-11-23 Account control method and system that allows only eligible and authorized items to be purchased using the account
EP05852219A EP1828962A4 (en) 2004-12-01 2005-11-23 Account control method and system that allows only eligible and authorized items to be purchased using the account
CA002589769A CA2589769A1 (en) 2004-12-01 2005-11-23 Account control method and system that allows only eligible and authorized items to be purchased using the account

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US63233204P 2004-12-01 2004-12-01
US60/632,332 2004-12-01

Publications (2)

Publication Number Publication Date
WO2006060286A2 WO2006060286A2 (en) 2006-06-08
WO2006060286A3 true WO2006060286A3 (en) 2007-03-29

Family

ID=36565573

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/042811 WO2006060286A2 (en) 2004-12-01 2005-11-23 Account control method and system that allows only eligible and authorized items to be purchased using the account

Country Status (7)

Country Link
US (2) US7866548B2 (en)
EP (1) EP1828962A4 (en)
AU (1) AU2005312102B2 (en)
CA (1) CA2589769A1 (en)
MX (1) MX2007006604A (en)
WO (1) WO2006060286A2 (en)
ZA (1) ZA200704455B (en)

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US20060113376A1 (en) 2006-06-01
AU2005312102B2 (en) 2012-11-08
EP1828962A4 (en) 2010-07-14
AU2005312102A1 (en) 2006-06-08
MX2007006604A (en) 2007-10-04
US20110173083A1 (en) 2011-07-14
US8464937B2 (en) 2013-06-18
US7866548B2 (en) 2011-01-11
ZA200704455B (en) 2008-09-25
EP1828962A2 (en) 2007-09-05
WO2006060286A2 (en) 2006-06-08
CA2589769A1 (en) 2006-06-08

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