Automated digital method and system of providing or sharing access

• US 20180144335A1
• Filed: 09/29/2017
• Published: 05/24/2018
• Est. Priority Date: 09/30/2016
• Status: Active Grant

• Current Assignee: Middleware, Inc.
• Original Assignee: Middleware, Inc.
• Inventors: Vityaz, Oleksandr
• Granted Patent: US 10,776,772 B2
• Time in Patent Office: Days
• CPC Class Codes: G06F 21/6245 Protecting personal data, e.g. for financial or medical purposes
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/351 Virtual cards

Abstract

Advantageously, the invention is a true competitor for money transfer systems, such as Western Union, Bitcoin, Swift, Visa, MasterCard, etc. The invention is the example of the economy going cashless and killing money transfers as a class. Conventional digital transactions facilitate electronic payment, such as money transfers, payment card charges, e-commerce transactions and any other types of transaction. However, in multiple circumstances, payees may be unbanked people (e.g. children that need money to buy something) or may have no payment card (e.g. may lost card), while payment card fund transfers may be expensive, time-consuming, and cumbersome for financial institutions. Thus, there is need for an improved approach. The invention discloses an automated digital method of providing or sharing access to a payment card and/or similar financial account or a non-payment card and/or similar non-financial account or non-card product, transacts between individuals or legal entities without physical transmission of a payment card, non-payment card, non-card product or its credentials, even without a recipient of an access having a payment card and/or financial account or a non-payment card and/or similar non-financial account or non-card product, particularly by providing or sharing access to a payment card and/or similar financial account or a non-payment card and/or similar non-financial account or non-card product of a sender.

Claims

1. An automated digital method of providing or sharing access to a payment card or similar financial account comprising steps of:

a sender using a network-accessible device for sharing access to a recipient, by choosing a payment card and/or similar financial account that sender intends to share access to the recipient, choosing the recipient by selecting a global ID of the recipient;

the recipient using a network-accessible device for receiving the shared access to the sender'"'"'s payment card and/or similar financial account by receiving a digital token.

2. The method of claim 1 wherein, the sender may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop configured with Near Field Communication (NFC), to share access to the sender'"'"'s payment card and/or similar financial account.

3. The method of claim 1 wherein, the recipient may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop configured with Near Field Communication (NFC), to receive access to the sender'"'"'s payment card and/or similar financial account.

4. The method of claim 1 wherein, the sender may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop not configured with Near Field Communication (NFC), to share access to the sender'"'"'s payment card and/or similar financial account.

5. The method of claim 1 wherein, the recipient may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop not configured with Near Field Communication (NFC), to receive access to the sender'"'"'s payment card and/or similar financial account.

6. The method of claim 1 wherein, the sender may use at least one of, or a combination of a plurality of, the global ID of the recipient, a mobile phone number, email, online social media and/or social networking service, EMEI, MAC address, or other global ID to choose the recipient.

7. The method of claim 1 wherein, the recipient may use network-accessible device to receive access to the sender'"'"'s payment card and/or similar financial account by receiving at least one of, the payment card and/or similar financial account applicable identifier.

8. The method of claim 1 wherein, the recipient may use network-accessible device, to receive access to the sender'"'"'s payment card and/or similar financial account subject to at least one condition set by the sender.

9. The method of claim 1 wherein, the recipient may use network-accessible device, to access the sender'"'"'s payment card and/or similar financial account to make at least one transaction such as, withdrawing money from Automated Teller Machine (ATM), making payments via Point Of Sale (POS) terminal, e-commerce transactions, money transfers or fund disbursements.

10. The method of claim 1 wherein, the recipient may use network-accessible device, to access the sender'"'"'s payment card and/or similar financial account for making transactions, using NFC enabled device or at least one of, universal platform, such as QR code.

11. The method of claim 1 wherein, the sender may use network-accessible device, to initiate sharing an access to the sender'"'"'s payment card and/or financial account, resulting in a applicable identifier being sent to the recipient network-accessible device without a bank, financial institution, a payment system and/or third-party wallet provider facilitating the sharing access and/or sending the applicable identifier.

12. The method of claim 1 wherein, the recipient may use network-accessible device, to receive access to the sender'"'"'s payment card and/or financial account by receiving an applicable identifier, without a bank, financial institution, a payment system and/or third-party wallet provider facilitating receipt of the applicable identifier.

13. The method of claim 1 wherein, the recipient may use network-accessible device, to access the sender'"'"'s payment card and/or similar financial account for real-time payment via contactless or proximity payment for at least one of, transactions such as, withdrawing money from Automated Teller Machine (ATM), payments via Point Of Sale (POS) terminal, e-commerce transactions, money transfers or fund disbursements, via NFC enabled device or at least one of, universal platform, such as QR code with or without access to a network.

14. The method of claim 1 wherein, the recipient may use network-accessible device using Host Card Emulation (HCE), Near Field Communication (NFC) technology to access the sender'"'"'s payment card and/or similar financial account, to make for at least one of, transactions such as, withdrawing money from Automated Teller Machine (ATM), payments via Point Of Sale (POS) terminal, e-commerce transactions, money transfers or fund disbursements.

15. The method of claim 1 wherein, the recipient may use network-accessible device, to access the sender'"'"'s payment card and/or similar financial account, to make transaction via at least one of, universal platform, such as QR code, if either the recipient'"'"'s or a merchant'"'"'s device does not support NFC technology.

16. The method of claim 1 wherein, the process of selecting the recipient, the sender'"'"'s payment card and/or similar financial account, selecting a global ID of the recipient or setting the limits for using shared access by the recipient may be conducted by at least one of, automatically, manually or semi automatically.

17. An automated digital system to provide or share access to a payment card or similar financial account comprising of:

a sender uses a network-accessible device to share access to a recipient, chooses a payment card and/or similar financial account that sender intends to share access to the recipient, chooses the recipient by selecting a global ID of the recipient;

the recipient uses a network-accessible device to receive the shared access to the sender'"'"'s payment card and/or similar financial account by receiving a digital token.

18. The system of claim 17 wherein, the sender may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop configured with Near Field Communication (NFC), to share access to the sender'"'"'s payment card and/or similar financial account.

19. The system of claim 17 wherein, the recipient may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop configured with Near Field Communication (NFC), to receive access to the sender'"'"'s payment card and/or similar financial account.

20. The system of claim 17 wherein, the sender may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop not configured with Near Field Communication (NFC), to share access to the sender'"'"'s payment card and/or similar financial account.

21. The system of claim 17 wherein, the recipient may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop not configured with Near Field Communication (NFC), to receive access to the sender'"'"'s payment card and/or similar financial account.

22. The system of claim 17 wherein, the sender may use at least one of, or a combination of a plurality of, the global ID of the recipient, a mobile phone number, email, online social media and/or social networking service, EMEI, MAC address, or other global ID to choose the recipient.

23. The system of claim 17 wherein, the recipient may use network-accessible device to receive access to the sender'"'"'s payment card and/or similar financial account from at least one of, the payment card and/or similar financial account applicable identifier.

24. The system of claim 17 wherein, the recipient may use network-accessible device, to receive access to the sender'"'"'s payment card and/or similar financial account subject to at least one condition set by the sender.

25. The system of claim 17 wherein, the recipient may use network-accessible device, to access the sender'"'"'s payment card and/or similar financial account to make at least one transaction such as, withdrawing money from Automated Teller Machine (ATM), making payments via Point Of Sale (POS) terminal, e-commerce transactions, money transfers or fund disbursements.

26. The system of claim 17 wherein, the recipient may use network-accessible device, to access the sender'"'"'s payment card and/or similar financial account for making transactions, using NFC enabled device or at least one of, universal platform, such as QR code.

27. The system of claim 17 wherein, the sender may use network-accessible device, to initiate sharing an access to the sender'"'"'s payment card and/or financial account, resulting in an applicable identifier being sent to the recipient network-accessible device without a bank, financial institution, a payment system and/or third-party wallet provider facilitating the sharing access and/or sending the applicable identifier.

28. The system of claim 17 wherein, the recipient may use network-accessible device, to receive access to the sender'"'"'s payment card and/or financial account by receiving an applicable identifier, without a bank, financial institution, a payment system and/or third-party wallet provider facilitating receipt of the applicable identifier.

29. The system of claim 17 wherein, the recipient may use network-accessible device, to access the sender'"'"'s payment card and/or similar financial account for real-time payment via contactless or proximity payment for at least one of, transactions such as, withdrawing money from Automated Teller Machine (ATM), payments via Point Of Sale (POS) terminal, e-commerce transactions, money transfers or fund disbursements, via NFC enabled device or at least one of, universal platform, such as QR code with or without access to a network.

30. The system of claim 17 wherein, the recipient may use network-accessible device using Host Card Emulation (HCE), Near Field Communication (NFC) technology to access the sender'"'"'s payment card and/or similar financial account, to make for at least one of, transactions such as, withdrawing money from Automated Teller Machine (ATM), payments via Point Of Sale (POS) terminal, e-commerce transactions, money transfers or fund disbursements.

31. The system of claim 17 wherein, the recipient may use network-accessible device, to access the sender'"'"'s payment card and/or similar financial account, to make transaction via at least one of, universal platform, such as QR code, if either the recipient'"'"'s or a merchant'"'"'s device does not support NFC technology.

32. The system of claim 17 wherein, the process of selecting the recipient, the sender'"'"'s payment card and/or similar financial account, selecting a global ID of the recipient or setting the limits for using shared access by the recipient may be conducted by at least one of, automatically, manually or semi automatically.

33. An automated digital method of providing or sharing access to a non-payment card or similar non-financial account, or non-card product comprising steps of:

a sender using a network-accessible device for sharing access to a recipient, by choosing a non-payment card and/or similar non-financial account, or non-card product that sender intends to share access to the recipient, choosing the recipient by selecting a global ID of the recipient;

the recipient using a network-accessible device for receiving the shared access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product by receiving applicable identifier.

34. The method of claim 33 wherein, the sender may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop configured with Near Field Communication (NFC), to share access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product.

35. The method of claim 33 wherein, the recipient may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop configured with Near Field Communication (NFC), to receive access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product.

36. The method of claim 33 wherein, the sender may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop not configured with Near Field Communication (NFC), to share access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product.

37. The method of claim 33 wherein, the recipient may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop not configured with Near Field Communication (NFC), to receive access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product.

38. The method of claim 33 wherein, the sender may use at least one of, or a combination of a plurality of, the global ID of the recipient, a mobile phone number, email, online social media and/or social networking service, EMEI, MAC address, or other global ID to choose the recipient.

39. The method of claim 33 wherein, the recipient may use network-accessible device to receive access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product from at least one of, the non-payment card and/or similar non-financial account, or non-card product applicable identifier.

40. The method of claim 33 wherein, the recipient may use network-accessible device, to receive access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product subject to at least one condition set by the sender.

41. The method of claim 33 wherein, the recipient may use network-accessible device, to access the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product to make at least one transaction such as, using discounts, rights or obligations provided by the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product.

42. The method of claim 33 wherein, the recipient may use network-accessible device, to access the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product for making transactions, using NFC enabled device or at least one of, universal platform, such as QR code.

43. The method of claim 33 wherein, the sender may use network-accessible device, to initiate sharing an access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product, resulting in an applicable identifier being sent to the recipient network-accessible device without a card issuer, applicable identifier issuer or other third party, facilitating the sharing access and/or sending the applicable identifier.

44. The method of claim 33 wherein, the recipient may use network-accessible device, to receive access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product by receiving an applicable identifier, without a card issuer, applicable identifier issuer or other third party, facilitating the receipt of the applicable identifier.

45. The method of claim 33 wherein, the recipient may use network-accessible device, to access the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product, to make transaction via at least one of, universal platform, such as QR code, if either the recipient'"'"'s or a merchant'"'"'s device does not support NFC technology.

46. The method of claim 33 wherein, the process of selecting the recipient, the senders'"'"' non-payment card and/or similar non-financial account, or non-card product, selecting a global ID of the recipient or setting the limits for using shared access by the recipient may be conducted by at least one of, automatically, manually or semi automatically.

47. An automated digital system to provide or share access to a non-payment card and/or similar non-financial account, or non-card product comprising of:

a sender uses a network-accessible device to share access to a recipient, chooses a non-payment card and/or similar non-financial account, or non-card-product that sender intends to share access to the recipient, chooses the recipient by selecting a global ID of the recipient;

the recipient uses a network-accessible device to receive the shared access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card-product by receiving applicable identifier.

48. The system of claim 47 wherein, the sender may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop configured with Near Field Communication (NFC), to share access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card-product.

49. The system of claim 47 wherein, the recipient may use at least one of, network-accessible devices such as, smartphone, tablet, smartwatch, laptop configured with Near Field Communication (NFC), to receive access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product.

50. The system of claim 47 wherein, the sender may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop not configured with Near Field Communication (NFC), to share access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product.

51. The system of claim 47 wherein, the recipient may use at least one of, network-accessible device such as, smartphone, tablet, smartwatch, laptop not configured with Near Field Communication (NFC), to receive access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product.

52. The system of claim 47 wherein, the sender may use at least one of, or a combination of a plurality of, the global ID of the recipient, a mobile phone number, email, online social media and/or social networking service, EMEI, MAC address, or other global ID to choose the recipient.

53. The system of claim 47 wherein, the recipient may use network-accessible device to receive access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product from at least one of, the non-payment card and/or similar non-financial account, or non-card product applicable identifier.

54. The system of claim 47 wherein, the recipient may use network-accessible device, to receive access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product subject to at least one condition set by the sender.

55. The system of claim 47 wherein, the recipient may use network-accessible device, to access the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product to make at least one transaction such as, using discounts, rights or obligations provided by the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product.

56. The system of claim 47 wherein, the recipient may use network-accessible device, to access the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product for making transactions, using NFC enabled device or at least one of, universal platform, such as QR code.

57. The system of claim 47 wherein, the sender may use network-accessible device, to initiate sharing an access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product, resulting in an applicable identifier being sent to the recipient network-accessible device without a card issuer, applicable identifier issuer or other third party, facilitating the sharing access and/or sending the applicable identifier.

58. The system of claim 47 wherein, the recipient may use network-accessible device, to receive access to the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product by receiving an applicable identifier, without a card issuer, applicable identifier issuer or other third party, facilitating the receipt of the applicable identifier.

59. The system of claim 47 wherein, the recipient may use network-accessible device, to access the sender'"'"'s non-payment card and/or similar non-financial account, or non-card product, to make transaction via at least one of, universal platform, such as QR code, if either the recipient'"'"'s or a merchant'"'"'s device does not support NFC technology.

60. The system of claim 47 wherein, the process of selecting the recipient, the senders'"'"' non-payment card and/or similar non-financial account, or non-card product, selecting a global ID of the recipient or setting the limits for using shared access by the recipient may be conducted by at least one of, automatically, manually or semi automatically.