Source: http://www.google.com/patents/US8108307?dq=6,205,432
Timestamp: 2014-07-28 06:21:48
Document Index: 753355858

Matched Legal Cases: ['art/9704', 'art1', 'art/9801', 'art14', 'art/9606', 'art4']

Patent US8108307 - System, method and apparatus for value exchange utilizing value-storing ... - Google PatentsSearch Images Maps Play YouTube News Gmail Drive More »Sign in<nobr>Advanced Patent Search</nobr>PatentsA system, method and apparatus for exchanging value using a smart card in a financial transaction is disclosed. The system includes a smart card having a contact interface and a contactless interface interactive with a closed purse application and an open purse application controlled by a microprocessor....http://www.google.com/patents/US8108307?utm_source=gb-gplus-sharePatent US8108307 - System, method and apparatus for value exchange utilizing value-storing applicationsAdvanced Patent SearchPublication numberUS8108307 B1Publication typeGrantApplication numberUS 09/276,823Publication dateJan 31, 2012Filing dateMar 26, 1999Priority dateMar 30, 1998Also published asEP1028398A2, EP1028398A3Publication number09276823, 276823, US 8108307 B1, US 8108307B1, US-B1-8108307, US8108307 B1, US8108307B1InventorsJoseph C. Kawan, Ramiro Munoz, Mark KogenOriginal AssigneeCiticorp Development Center, Inc.Export CitationBiBTeX, EndNote, RefManPatent Citations (41), Non-Patent Citations (26), Referenced by (6), Classifications (11), Legal Events (1) External Links: USPTO, USPTO Assignment, EspacenetSystem, method and apparatus for value exchange utilizing value-storing applicationsUS 8108307 B1Abstract A system, method and apparatus for exchanging value using a smart card in a financial transaction is disclosed. The system includes a smart card having a contact interface and a contactless interface interactive with a closed purse application and an open purse application controlled by a microprocessor. The closed purse application contains application-specific value, while the open purse contains general value. The application-specific value and general value are each compatible within the system of the invention to perform and settle the financial transaction. The financial transaction may include the smart card communicating with a load terminal or a transaction terminal to add or change the amount of value on the smart card. Further, the present invention include auto-load functionality for adding an amount of value to the smart card. Finally, applications such as a transportation application and a loyalty application are described.
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