E financial gift card

• US 20020091631A1
• Filed: 12/20/2000
• Published: 07/11/2002
• Est. Priority Date: 11/20/2000
• Status: Abandoned Application

• Current Assignee: International Scientific Pty Ltd. (Wellfully Ltd.)
• Original Assignee: International Scientific Pty Ltd. (Wellfully Ltd.)
• Inventors: Usui, Tatsuo
• Application Number:
  US09/742,249
• Publication Number:
  US 20020091631A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices

Abstract

There is disclosed an E financial gift card which has anonymity and which can guard a card user'"'"'s privacy. An E financial gift card 101 is distributed to a consumer from a card issuer 103 in a broad range. Examples of a distribution destination include a convenience store, restaurant, and the like. The simply distributed E financial gift card 101 is not validated, and is validated by following a predetermined procedure.

Claims

1. A validation method of an E financial gift card having anonymity, comprising steps of:

issuing the E financial gift card to a consumer;

presenting card information of said E financial gift card to a predetermined financial operator or financial institution;

making a loan contract between said financial operator or financial institution and said consumer;

performing remittance of a contract amount to an issuer of said E financial gift card from said financial operator or financial institution; and

confirming said remittance, and subsequently, validating said E financial gift card by said issuer.

3. The E financial gift card validation method according to claim 1 or 2, further comprising steps of:

performing point management of the validated E financial gift card together with the card information in accordance with a remittance amount and transfer amount to said issuer, and a payment amount with said E financial gift card.

4. The E financial gift card validation method according to claim 1 or 2,

wherein the card information of said E financial gift card is a card ID and/or a password.

5. The E financial gift card validation method according to claim 1 or 2, comprising steps of:

inquiring whether or not said E financial gift card is validated when said E financial gift card is used to perform placement of an order for an article presented in a net shop;

permitting acceptance of the order for said article when said E financial gift card is validated; and

rejecting the acceptance of the order for said article when said E financial gift card is not validated.

6. The E financial gift card validation method according to claim 1 or 2, comprising steps of:

inquiring whether or not said E financial gift card is validated when said E financial gift card is used to make a request for download of a content presented in a web site;

permitting the download of said content when said E financial gift card is validated; and

rejecting the download of said content when said E financial gift card is not validated.

7. The E financial gift card validation method according to claim 1 or 2, comprising steps of:

inquiring whether or not said E financial gift card is validated when a request for cashing of said E financial gift card is made;

permitting the cashing of said E financial gift card when said E financial gift card is validated; and

rejecting the cashing of said E financial gift card when said E financial gift card is not validated.

2. A validation method of an E financial gift card having anonymity, comprising steps of:

issuing the E financial gift card to a consumer;

presenting card information of said E financial gift card, and performing money transfer to an issuer of said E financial gift card via a predetermined store; and

confirming said money transfer, and subsequently, validating said E financial gift card by said issuer.