AW2P Version 1 Another Way 2 Pay!

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2/3/2006
Donald Lewis.
power to the peo1!.l&.
Power to the people, Yes you heard right, we are giving back the power to the people. The real people, the ones that work hard every day, and struggle to make ends meet. The unemployed, the sick or incapacitated, the housewives at home bringing up their children, the office workers toiling for a living to pay bil1s, the underdog, who has lost all faith in the system of finance. The people who are constantly being shown the door when applying for credit or store cards. The normal people. People like you and me! We are breaking the bond of power and class that reigns over us, and are setting the people free, free from online fraud, free from hidden credit and store card charges, included in the purchase of goods that we often overlook. Our system gives the power back To the masses of people out there who have No Credit or Store Cards, but who would love to be able to shop online. So people, this is for you, a small solution to a big problem. The product. How does it "work,and "whatdoes it do? Our product is an AW2P Card, what is an AW2P Card? Another Way to Pay Card. An AW2P is a Top-up card that enables web users the power to access the intemet to purchase goods without the"hassle of having to leave bank details on every site that you wish to purchase goods from. AW2P stands for Another Way to Pay.
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2/3/2006
Donald Lewis.
power to the peo1!.l&.
Power to the people, Yes you heard right, we are giving back the power to the people. The real people, the ones that work hard every day, and struggle to make ends meet. The unemployed, the sick or incapacitated, the housewives at home bringing up their children, the office workers toiling for a living to pay bil1s, the underdog, who has lost all faith in the system of finance. The people who are constantly being shown the door when applying for credit or store cards. The normal people. People like you and me! We are breaking the bond of power and class that reigns over us, and are setting the people free, free from online fraud, free from hidden credit and store card charges, included in the purchase of goods that we often overlook. Our system gives the power back To the masses of people out there who have No Credit or Store Cards, but who would love to be able to shop online. So people, this is for you, a small solution to a big problem. The product. How does it "work,and "whatdoes it do? Our product is an AW2P Card, what is an AW2P Card? Another Way to Pay Card. An AW2P is a Top-up card that enables web users the power to access the intemet to purchase goods without the"hassle of having to leave bank details on every site that you wish to purchase goods from. AW2P stands for Another Way to Pay.
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This facility is a simple top-up card facility for online web users they can be purchased from over the counter at all major, supermarkets and local stores across the country. You just simply buy your AW2P Card, type in your encrypted pin code, and you are ready to start surf shopping. With this system we believe that we have succeeded in our quest to find a cure for the dreaded thought of online fraud. We believe that by adopting our new system that everybody who accesses the internet to purchase goods, will feel 100% more secure in the knowledge that their bank accounts are totally safe, and by using this system will no longer be vulnerable to attack from the unscrupulous villains who commit crime online. Our system works in exactly the same way as a top-up card for your mobile phone, you just enter your encrypted pin code, and you are ready to enjoy the wonderful world of online shopping. Our system is recognised world wide by all major financial institutions in country's, and seamlessly integrates with other core technologies Just think of the benefits, the peace of mind knowing your bank account stays safe and free from online fraud, the lack of stress of having to type credit card details every time you want to purchase goods online, the ease of use, not to mention the online protection this card delivers means that your bank account stays safe, and any threat that was there before has now been virtually Eliminated. Let me just start by saying, we are not all rich and powerful, There are many people in the world who do not own or posses a credit card. But that does not mean that, that percentage of the world's population; do not want to buy goods online, in fact I would say it was quite the opposite. Let's just do the numbers, 350/0 of the people in this country alone, do not own a credit card, 35% of the population does, but are most probably afraid to use their cards online through fear of fraud, the other 30% of people,well they are most probably the upper middle classes,
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who in some instances are not worried about their online expenditure, and have no need to worry about extra credit and store card charges made by banks and financial institutions. Well this system offers something for everyone. Our system provides a second to none stand alone service for all web users and we stand by our policy, Another Way 2 Pay. It does exactly what it says on the tin, offers you the consumer, Another Way 2 Pay for your goods and services online, from the comfort of your home office or intern et cafe, and to purchase goods without the need of credit or store cards, 'No Credit Card, No Problem. If you answer yes to the next four questions then this card is definitely for you. 1<> Do you wish to purchase goods via the internet? 2<> Are you aware of, and are afraid of online fraud? 3<>Would you like to be able to buy whatever you want online, any time you want, without having to leave any bank credit card details? 4<> Would you like to have the ease of online shopping services, now made easier for everyone, and the peace of mind of shopping online, when you want, for whatever you want, with no extra hidden charges included? If you answered yes to all four questions, then we suggest you try our AW2P Card, the top up credit facility for web users who just want to pay without the hassle. We do not just cater for the wealthy, or high end users, we cater for every body, young old rich or poor, we believe it is your inherent right to be able to have the same access as others in your quest of online services. Note. 82% of European Commercial card issuers state that online services are vitally important to their business. (Source. Byline Research. )
Levels of purchase. We currently have nine levels of purchase, starting from 10, all the way up to 5000. Platinum> 5000 Gold> Silver> 1000 500 initial payment made by credit card. initial payment made by credit card. initial payment made by credit card. initial payment made by credit card. can be purchased over the counter. can be purchased over the counter. can be purchased over the counter. can be purchased over the counter. can be purchased over the counter.
Bronze> 250 Steel> Metal> Copper> Tin> Nickle> 100 50 30 20 10
Terms and Conditions. For the use of our services you will be required to pay a small surcharge fee of ..... Which will be collected on activation of your AW2P Card, please note your AW2P Card should be kept safe and secure at all times, we donot refund lost or stolen cards.
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Our card can also be purchased online from \\'WW. anotherway2pay. corn
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Sector Pre Pay User Sector. Product Pre Pay User Card For Web End Users. Market Place Pre Pay User. Technologies Involved.
Donald Lewis 13/03/06
There are two types of card that can be used for the Lower end scale of our range of cards. 1 Barcode. 2 Magnetic stripe. 3 Level of personalisation of cards. As you change levels of security on your card, you will need a different type of card. Magnetic Stripe Encryption Cards Non Signature Stripe Encoder Cards
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For our system to work, we would need, Re-loadable Cards. This means we would need a Systems Provider. Bar code, mag-stripe, mag-encrypted & non
signature stripe encoder cards, work in a closedloop-systems, our cards would need an open-loopsystem. Hence the need for a systems provider. Pre Paid technologies are one such company in the -UK which provides this service. 0207 0344344 this company is visa & master card approved. Alternatively. The Pre Pay Technologies Platform Software from Kalignite xfs extension of financial services, Integrated with EWIS pin xpress technology platform software, allows any device from the extensive range supported, to be able to process bank transactions, including pre pay wireless, Pre pay long distance, pre pay utilties, local phone service, pre pay internet, wiJfi movie tickets and many more. This is a globally recognised software Platform solutions company. A new scheme would have to be deployed. Transactionable. Chip & pin manufacture. Approve, fund approved, activation.
A new scheme would have to be deployed. Transactionable. Chip & pin manufacture. Approve, fund approved, activation.
Would need Mythical account. For fund transfer, with automatic balance loader facility built into cards. Then comes the distributional side of this card programme. We believe that this is the future direction of online shopping services. Who are we? We represent the pre pay user sector of the market place, our core investors are web end users of pre paid technology services, We believe that this sector is in need of radical change, to further enhance the possabilities and capabilities, of online end user online shopping and retail services connected to the intemet. We believe that change is inevitable and will be well received by our partners in business, and our vast group of online web end users who have embraced the core fundamentals of pre paid user and system provider technologies. Other benefits and features Of,
XFS is Banks Worldwide demanding open standards based systems; the only standard accepted by all Major Vendors Worldwide, it separates Hardware/Software buying decisions. Banks are free to choose the best solution in each category with the knowledge other systems built by other independent providers, using acknowledged standards, will successfully interpolate with various hardware systems. The acceptance of xfs poses a direct challenge to the high margins historically enjoyed by hardware vendors where banks were tied to a single vendor. Conclusion. The primary beneficiaries of the acceptance of standards based technology software systems are End user customers you & Me the People, as well as companies.
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Donald Lewis .. PROFILE OF THE WEB END
USER CUSTOMER.
Statistics play a major role in determining clear answers to puzzling questions. We use statistics To evaluate each step of each item. What really counts is Consumer Reaction, maybe even Consumer trails are needed for fine tuning of the concept. The marketing advertisers job is creating New Business Worldwide, using, Product, Pitch, & Statistics. It is a science, it is our way of saying, how do you know this product will work, or will not work. Producing Data. Describing Data. To draw conclusions from data. By emphasising Service ov~r Selection statistically Webelieve that this product has a good chance of achieving its goals or targets. (This should not be just a corporate gamble) but a precise and well refined operation of Service over Selection. We do not want to complicate the system by adding another pointless item. That's why we use statistics to check each step of the operation and independently rate fmdings for each item. First step.
Sensory Evaluation of product. test & feedbackconsumer -reactions. Survey.

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Donald Lewis Level 2. 19103/06
Level2.
Enabling the future of self serve pre pay technology. _ So far we have explored the possibilities of this card program, and are delivering our findings as we go. Production. Can be done right here in the uk. Integration. of hardware 1 Software platform systems and application. For which there is a wide number and range, to choose from. Further study shows, that by incorporating and utilising the benefits of the Kalignite Triple-Des, Platform Systems Hardware software suite, running in conjunction with, Kalignite efs alongside the EWIS Pinxpress system suites, we were able to further enhance the capabilities, and the power, of our AW2P-Card. Kalignite Triple-Des. Features. TRIPLE-DES. Which is an upgrade for Banks ATM machines. it provides a complete low cost plug-in solution for upgrading a banks ATM .. . estate, to support Triple-Des, now a regulatory requirement, what does that mean ? it means that now, not only can you purchase AW2P Cards from Supermarkets Stores, Local shops, Online Web
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sale service, it means you can now purchase Cards via ATM Machines. The Kalignite Triple Des Upgrade Solves the need for banks to introduce high security into their ATM estate, this platform includes, Triple-Des compliant Encrypted Pin Pad (Epp) for hole in the wall Atm machines, it has a new processor which runs on winxp sp2 with multi vendor capabilities. This suite contains all the Hardware / Software components needed to migrate Any Banks machines. i.e., Low Cost Upgrade for Banks Atm Suite, which retains all existing Peripheral devices, but offers the ability to connect replacement or new ones. Kalignite is a leader in platform system technology, upon which advanced transactions and solutions can be readily developed or upgraded, for ATM KIOSK & TELLOR machines and many more. There are more than seventy unique financial Retail & Telecommunications Companies that have developed using this Range; it provides . Functionality Flexibility Robustness & Security. Further Upgradable Enhancements. Can be made by adopting the use of Net finance Cascade. Net finance Cascade is a complete internet system
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for Commercial card users, and company programs, that allow administrators, and A W2P card holders the ability to manage their accounts online. It has dedicated Branding Capabilities, to ensure that each of your commercial card programs have their own dedicated Branded & Supported Intranet Site. It supports multiple currencies, and languages, providing an additional power that would really differentiate the A W2P card offering from the competition. It allows the A W2P End User to be totally integrated, into an online, fully supported system, that manages the flow of information, into existing back office systems, allowing the AW2P end user to maximise the power potential and the investment put into the A W2P card program. Multi Brands & products can be supported from a single installation of a Net finance product, that means whatever the number of partner Brands, Card products, Languages or Currencies, within your portfolio, Net-Finance can deliver and manage all of your online servicing needs. Net finance Montage. Montage is a software solutions suite that is designed to change or upgrade your Brand or Product irifonnation in a quick and simple manner using, lE, s proprietary content management module that is already built into all Net-finance
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Donald Lewis. PROFILE OF THE WEB END
USER CUSTOMER.
Statistics play a major role in determining clear answers to puzzling questions. We use statistics To evaluate each step of each item. What really counts is Consumer Reaction, maybe even Consumer trails are needed for fme tuning of the concept. The marketing advertiser's job is creating New Business Worldwide, using, Product, Pitch, & Statistics. It is a science, it is our way of saying, how do you know this product will work, or will not work. Producing Data. Describing Data. To draw conclusions from data. By emphasising Service over Selection statistically We believe that this product has a good chance of achieving its goals or targets. (This should not be just a corporate gamble) but a precise and well refined operation of Service over Selection. We do not want to complicate the system by adding another pointless item. That's why we use statistics to check each step of the operation and independently rate fmdings for each item . .First step.
InventHelp'"
www.lnventHelp.com
Executive Headquarters: 217 Ninth Street Pittsburgh, PA 15222-3506 (412) 288-1300
STATEMENT OF CONFIDENTIALITY AND NON-USE

NAME:
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PHONE NO.: STATE:
ADDRESS: CITY:
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You have approached lnvemlielp" for the purpose of discussing your idea, invention, or product and exploring services which
lnventhelp" may perform for you and your concept described or named as:
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lnventllelp" is in the business of preparing basic information packages for a great number of different product concepts, and its integrity depends on maintaining the confidentiality of each of the product concepts presented to it lnventlielp'" hereby agrees that the idea, invention, or product you are disclosing and which you believe to be your own original creation shall not be used, sold, assigned, or disclosed to any other person, organization, or corporation without your permission, and further, that none of the employees, agents, officers, or directors of lnventdelp" shall utilize the same in any manner unless specifically agreed to by both parties in a Submission Agreement which may be entered into at a later date.
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BY
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DO NOT SEND MODELS UNLESS REQUESTED A copy of this Statement of Confidentiality and Non-Use received this
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INVENTIONjlDENNEW
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FORRESTER KETLEY & CO

CHARTERED PATENT ATIORNEYS TRADE MARK ATTORNEYS
ESTABLISHED 1884
Patents
Trade Marks
Designs
Copyright
BY FIRST CLASS MAIL Donald Lewis Esq 19 Deansway Edmonton London N99TX
6TH FLOOR 105 PICCADI LL Y LON DON W1 J 7NJ

Telephone +44 (0)20-8889 6622 Fax (Gr 3) +44 (0)20-8881 1088 (Gr 4) +44 (0)20-88890131 E-mail fklondon@forresters.co.uk
Your ref Date
Our ref
M31784-MTB/kh Dear Mr Lewis Re: Pre-Filing Search Possible Patent Applicationfor "AW2P-Card" Our Ref: M31784
3 April 2006
It was a pleasure to meet with you at our Bounds Green Office on 30 March 2006 and discuss the possibility of filing a Patent Application for the "Another Way to Pay Card" invention. As you will recall, we decided that, before giving further consideration to preparing and filing any Patent Application, we would perform a "pre-filing"search of published Patent Applications and Patents in order to determine whether there already exists identical or similar technology which might prevent you obtaining valid Patent protection for the invention. We agreed that we would perform a search at a maximum cost of 400 plus VAT, and we will endeavour to carry out the search well within this budget whilst still performing a thorough search. We will report to you again with a discussion of the search results once the search has been completed. In the meantime, please do not hesitate to contact us if you have any questions. Yours sincerely Matthew Barton FORRESTER KETLEY & CO
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Also at 6TH FLOOR, 105 PICCADILLY, LONDON W1J 7NJ Tel : +44 (0)208889 6622 Fax: +44 (0)2088890131
CHAMBERLAIN HOUSE, PARADISE PLACE, BIRMINGHAM B3 3HP Tel: +44 (0) 1212360484 Fax: +44 (0) 121-233 1064 BSc CPA S J Wake BSc CPA RTMA MITMA M N Shaw BSc ePA S J Leno RTMA MITMA
J 0 Brown BSc CPA RTMA N H Frankland BSc CPA RTMA 0 J Lucking BSc CPA RTMA MITMA J V Gowshall OM Wardley BSc PhD CPhys MlnstP CPA RTMA MITMA L 0 C Hoarlon BEng CPA K Richardson MA Cantab CPA RA Lockey BSc PhD AMlnstP CPA S J Parry BEng CPA AT S Bealtie MSci CPA Associates: J e Carstairs BSc CPA M 0 Healey BA (Oxon) TMA MITMA Administration Mamlgers:
G M Dodd BSc CPA R T Walker MSc CPA A C Lawson MA DPhil Oxon CPA C Lobban BSc PhD CPA MITMA 5 J Lane BSc LLB RTMA MITMA M Tew LLB (Hons) LLM M T Barlon BSc PhD MRSC RPA S J Forrester MSci RPA VAT Registration No. GBnO 024258 K Iohnson MIPPM(Oip) AIAB (p( (London) FinanceManager: P A Sargent FCCA FMMT IT Manager: G Hughes BSc(Hons) Records: J S Emery
TA 8axter (Birmingham) BSc CPA RTMA
Consultants: A L Meddle
C Cook RTMA FITMA FORRESTER& BOEHMERT Pettenkoferstrasse 2022 080336 Munchen
Website: www.forresters.co.uk
Representation at the European Patent Office

CHARTERED PATENT ATIORNEYS TRADE MARK ATIORNEYS
ESTABLISHED 1884
Patents LEWIS, Donald 19 Deansway Edmonton London N99TX
Trade Marks
Designs
Copyright FORRESTER HOUSE 52 BOUNDS GREEN ROAD LONDON N11 2EY

Our ref
Your ref
Date
CXLlLE0004 Dear Sir / Madam,
07 April 2006
Forrester Ketley & Co welcomes you as a new client and we look forward to advising you on all your Intellectual Property enquiries in the future. Our practice deals with all aspects of Patent, Registered Design and Trade Mark protection, enforcement, licensing, searching and general advice relating to all such matters, both in the UK and throughout the world through our long established network of associates in other countries. Our firm was established over 100 years ago and we jealously guard our reputation for giving our clients sound and useful advice and a first class service overall. If you do have any cause for dissatisfaction, we would ask you to let us know without delay so that we can promptly take any remedial action necessary. The accompanying Terms of Business set out the basis on which we and (if they should act for you), our associated practices, Forrester & Boehmert and Forrester Mostek, will act on your behalf and will govern the arrangements between us. Please read them carefully and sign and return to us the attached copy in confirmation of your agreement. If you should have any questions regarding our Terms of Business, we will be happy to discuss them with you. yours faithfully Forrester Ketley & Co. Enc. Terms of Business x 2
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Also at 6TH FLOOR, 105 PICCADILLY, LONDON W1J 7NJ CHAMBERLAIN HOUSE, PARADISE PLACE, BIRMINGHAM B3 3HP Tel: +44 (0)2088896622 Fax: +44 (0)208889 0131 Tel: +44 (0) 121-236 0484 Fax: +44 (0) 121-233 1064 J 0 Drown BSc CPA RTMA N H Frankland BSc CPA RTMA 0 J tucking BSc CPA RTMA MITMA J V Cowshall BSc CPA S J Wake BSc CPA RTMA MITMA OM Wardley BSc PhD CPhys MlnstP CPA RTMA MITMA L 0 C Hoarton BEng CPA K Richardson MA Cantab CPA M N Shaw BSc CPA S J teno RTMA MITMA R A Lackey BSc PhD AMlnsll' CPA S J Parry BEng CPA AT S Bealtie MSci epA R T Walker MSc CPA A C Lawson MA DPhil Oxon CpA Associates: J C Carstafrs M Tew LLB (Hons) LLM A(hnini!>lralion
M;1I1it~I'S:
BSc epA GM Dodd BSc CpA M T Barton BSc PhD MRSC RpA TA Baxtcr (Birmingham) BSc CpA RTMA Kjohnson MIPPM(Dipl
tobban BSc PhD CpA MITMA
MD
Healey BA (axon)
TMA MITMA
S J Lane BSc LLB RTMA MITMA VAT Registration No. GB-11O 024258
S J Forrester MSci RpA AIAB Ipf (London) Finance P A Sargent FCCA Ftv\AAT IT Mitnah'Cr: G Hughes BSc(Hons) Records: J S Emery Website: www.Iorresters.co.uk
Man.l!.ocr:
Consultants: A L Meddle Representltion
e Cook RTMA FITMA FORRESTER & BOEHMERT Pettenkoferstrasse 20-22 0-80336 Munchen
at the European Patent Orrice
.:
FORRESTER KETLEY &
co. - FORRESTER &
BOEHMERT - FORRESTER MOSTEK
TERMS OF BUSINESS Client: LEWIS, Donald The following Terms of Business will apply in respect of all services provided by Forrester Ketley & Co. and/or Forrester & Boehmert and/or Forrester Mostek to their clients unless (in respect of any particular client or any specific instruction) any variation or supplement to these terms is specifically agreed in writing between Forrester Ketley & Co., Forrester & Boehmert and/or Forrester Mostek (as the case may be) and the client in question. 1. Fees and Charges
1.1 Our fees are calculated partly by reference to the amount of time which we spend in dealing with the matter in question. The charging rates for time spent vary, depending on the seniority of the persons involved and the nature of the work undertaken. A charge will normally be made for advice given verbally, whether given during a meeting or by telephone. There are also standard charges for various matters which may be attended to on your behalf, and charges for office services such as typing, photocopying, artwork etc. Calculated on this basis we believe our charges to be fair and reasonable for the services provided in all the circumstances of a particular case. 1.2 Only in very limited circumstances can our charges be agreed in advance. Normally, due to the nature of the work we undertake, it is not possible to provide a fixed price quotation and unless, exceptionally, fees are clearly agreed in writing as being a fixed sum, any indication of likely costs is an estimate only, exclusive of VAT, and subject to change as matters progress and the full amount of work becomes apparent. The level of fees will be advised to clients on request as matters progress. Figures estimated or quoted will not cover work outside the original instructions, or work that could not reasonably have been foreseen, for which an additional charge will be made. Disbursements incurred in carrying out the work will be added to the account, including costs of telephone calls, fax transmissions, and obtaining copies of published documents, travel expenses, courier fees, bank charges, barristers and solicitors fees and overseas associates fees. Payment terms All invoices are due for payment on receipt, and we will expect payment within 14 days. We reserve the right to charge interest at 3% above bank base rate on sums which are not paid within 30 days of the date of invoice.
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V210101
2.2
It is our practice to undertake credit checks on all new clients and, at our sole discretion, we may undertake credit checks on any of our clients at any time. At our sole discretion we may require a payment on account of all or part of anticipated fees and disbursements before any work or further work is undertaken. If any request for payment on account or settlement of an interim account is not met on time, we may cease further work on that matter and any other matter being handled by us for the same or an associated client. In such circumstances we accept no liability for the effects of delays or for any other loss or damage suffered . as a result of our non-compliance with instructions. Lien Without prejudice to any other rights or remedies which we may have, we shall have a general and particular lien over any of our client's property or assets (including, without limitation, deeds, documents and papers) coming into our possession or control or that of our agents for all amounts of liabilities whatsoever due, or becoming due, to us from our client. Responsibility and liability We will exercise due skill, care and diligence in carrying out work on behalf of a client. Our duty to our client does not extend beyond the instructions which we have agreed to carry out and we shall not have any non-contractual duty to our client which exceeds our contractual duty to carry out the instructions which we have agreed to perform. Notwithstanding 4.1 above we reserve the right to permit an application for registered protection, an opposition or any other on-going matter to lapse or terminate if, following reasonable efforts to obtain instructions, no instructions have been received. Our normal charges will be invoiced to the client for all work undertaken until such time as instructions not to continue are received or the application, opposition or other on-going matter lapses or terminates due to lack of instructions. Instructions should be given, wherever possible, in writing. Nevertheless where verbal instructions are accepted as referred to in 4.4 and 4.5 below, such instructions shall form the basis of a contract and be subject to charges on the usual basis indicated above. Verbal instructions can urgency, will not normally written confirmation from to you our understanding seek written confirmation be accepted, but, unless otherwise agreed in cases of be acted on unless confirmed in writing. In the absence of you we may, at our sole discretion, either confirm in writing of your verbal instructions and proceed on this basis or from you before proceeding.
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In cases of urgency, work may be commenced before receipt of, or without, written confirmation from you, but in those circumstances no responsibility can be accepted for errors or omissions arising from misinterpretation of verbal instructions not promptly confirmed in writing by you. We reserve the right to decline to accept any instructions at our sole discretion and we reserve the right to decline to continue to act in any specific matter or for any specific client on reasonable prior written notice for any reason. We shall only be liable to our client and not to any third party. It is our policy not to send or receive confidential information bye-mail because of the inherent lack of security for that mode of communication. If specifically instructed in writing by a client we will do so but shall not be liable for any mis-use of confidential information, or loss of confidentiality, resulting from such transmissions. Data protection Certain details of and about clients are kept on computer. Some of this information is used so that we can send out information about ourselves and the services we offer.
4.6
4.7 4.8
5. 5.1
5.2 Any client who does not wish to receive information about us and our services should notify us and we will ensure that the client's name is removed from our database for this purpose. 6. Complaints procedure We aim to provide a service to a standard acceptable to our clients. If a client is not, however, satisfied with any service provided, then it is invited to raise the concern either with the partner with whom the client in question usually deals or, alternatively, with our senior partner. 7. Governing law and jurisdiction This contract and any contract for the provision of services by us to our client shall be governed by and construed in accordance with English law, both we and our client submit to the exclusive jurisdiction of the English courts, unless otherwise agreed.
V210/01
Ref: LE0004
FORRESTER KETLEY & CO. - FORRESTER & BOEHMERT - FORRESTER MOSTEK

TERMS OF BUSINESS Client: LEWIS, Donald The following Terms of Business will apply in respect of all services provided by Forrester Ketley & Co. and/or Forrester & Boehmert and/or Forrester Mostek to their clients unless (in respect of any particular client or any specific instruction) any variation or supplement to these terms is specifically agreed in writing between Forrester Ketley & Co., Forrester & Boehmert and/or Forrester Mostek (as the case may be) and the client in question. 1. 1.1 Fees and Charges Our fees are calculated partly by reference to the amount of time which we spend in dealing with the matter in question. The charging rates for time spent vary, depending on the seniority of the persons involved and the nature of the work undertaken. A charge will normally be made for advice given verbally, whether given during a meeting or by telephone. There are also standard charges for various matters which may be attended to on your behalf, and charges for office services such as typing, photocopying, artwork etc. Calculated on this basis we believe our charges to be fair and reasonable for the services provided in all the circumstances of a particular case. Only in very limited circumstances can our charges be agreed in advance. Normally, due to the nature of the work we undertake, it is not possible to provide a fixed price quotation and unless, exceptionally, fees are clearly agreed in writing as being a fixed sum, any indication of likely costs is an estimate only, exclusive of VAT, and subject to change as matters progress and the full amount of work becomes apparent. The level of fees will be advised to clients on request as matters progress. Figures estimated or quoted will not cover work outside the original instructions, or work that could not reasonably have been foreseen, for which an additional charge will be made. Disbursements incurred in carrying out the work will be added to the account, including costs of telephone calls, fax transmissions, and obtaining copies of published documents, travel expenses, courier fees, bank charges, barristers and solicitors fees and overseas associates fees. Payment terms All invoices are due for payment on receipt, and we will expect payment within 14 days. We reserve the right to charge interest at 3% above bank base rate on sums which are not paid within 30 days of the date of invoice.
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1.3
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2. 2.1
V210/01
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2.2
It is our practice to undertake credit checks on all new clients and, at our sole discretion, we may undertake credit checks on any of our clients at any time.
2.3 At our sole discretion we may require a payment on account of all or part of anticipated fees and disbursements before any work or further work is undertaken. 2.4 If any request for payment on account or settlement of an interim account is not met on time, we may cease further work on that matter and any other matter being handled by us for the same or an associated client. In such circumstances we accept no liability for the effects of delays or for any other loss or damage suffered as a result of our non-compliance with instructions. Lien
3.
3.1 Vvithout prejudice to any other rights or remedies which we may have, we shall have a general and particular lien over any of our client's property or assets (including, without limitation, deeds, documents and papers) coming into our possession or control or that of our agents for all amounts of liabilities whatsoever due, or becoming due, to us from our client. 4. 4.1 Responsibility and liability We will exercise due skill, care and diligence in carrying out work on behalf of a client. Our duty to our client does not extend beyond the instructions which we have agreed to carry out and we shall not have any non-contractual duty to our client which exceeds our contractual duty to carry out the instructions which we have agreed to perform. Notwithstanding 4.1 above we reserve the right to permit an application for registered protection, an opposition or any other on-going matter to lapse or terminate if, following reasonable efforts to obtain instructions, no instructions have been received. Our normal charges will be invoiced to the client for all work undertaken until such time as instructions not to continue are received or the application, opposition or other on-going matter lapses or terminates due to lack of instructions. Instructions should be given, wherever possible, in writing. Nevertheless where verbal instructions are accepted as referred to in 4.4 and 4.5 below, such instructions shall form the basis of a contract and be subject to charges on the usual basis indicated above. Verbal instructions can be accepted, but, unless otherwise agreed in cases of urgency, will not normally be acted on unless confirmed in writing. In the absence of written confirmation from you we may, at our sole discretion, either confirm in writing to you our understanding of your verbal instructions and proceed on this basis or seek written confirmation from you before proceeding. In cases of urgency, work may be commenced before receipt of, or without, written confirmation from you, but in those circumstances no responsibility can be accepted for errors or omissions arising from misinterpretation of verbal instructions not promptly confirmed in writing by you.
4.2
4.3
4.4
4.5
4. We reserve the right to decline to accept any instructions at our sole discretion and we reserve the right to decline to continue to act in any specific matter or for any specific client on reasonable prior written notice for any reason.
V210/01
';-0"
..
4.7 4.8
We shall only be liable to our client and not to any third party. It is our policy not to send or receive confidential information bye-mail because of the inherent lack of security for that mode of communication. If specifically instructed in writing by a client we will do so but shall not be liable for any mis-use of confidential information, or loss of confidentiality, resulting from such transmissions. Data protection is- used offer.
5.
-- -
5.1 Certain details of and about clients are kept on computer .. Some of this information
so'1hat we Ca j1's ena= out lnformatlonabmrtour'selVeS'8ncrThesefVices we'" ",.--.,.,'
5.2
Any client who does not wish to receive information about us and our services should notify us and we will ensure that the client's name is removed from our database for this purpose. Complaints procedure We aim to provide a service to a standard acceptable to our clients. If a client is not, however, satisfied with any service provided, then it is invited to raise the concern either with the partner with whom the client in question usually deals or, alternatively, with our senior partner.
6.
----
7.
Governing law and jurisdiction This contract and any contract for the provision of services by us to our client shall be governed by and construed in accordance with English law, both we and our client submit to the exclusive jurisdiction of the English courts, unless otherwise agreed.
For and on behalf of LEWIS, Donald
Name: Position: Date:
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Please sign and date this copy and return to us as confirmation acceptance of these conditions.
of your
V210/01
,.
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FORRESTER KETLEY &CO

CHARTERED PATENT ATIORNEYS TRADE MARK ATIORNEYS ESTABLISHED 1884
Patents
Trade Marks
Designs
Copyright
Donald Lewis Esq 19 Deansway Edmonton London N99TX
6TH FLOOR 105 PICCADILLY LONDON W1J 7NJ

Telephone +44 (0)20-8889 6622 Fax (Gr 3) +44 (0)20-8881 1088 (Gr 4) +44 (0)20-8889 0131 E-mail fklondon@forresters.co.uk
Your ref Date
Our ref
M31784 - CXLlMTB/laa/kh Dear Mr Lewis Re: Novelty Search "Another Way to Pay Card" Our Ref: M31784
11 May 2006
Further to completed invention. considering
our meeting on 30 March 2006, I am pleased to report that we have now a novelty search in respect of the Another Way to Pay Card (AW2P Card) As you will recall, we proposed that we should carry out a search before further the possibility of filing a Patent Application for your invention.
In order to obtain valid Patent protection in the United Kingdom, it is necessary for the invention to be, amongst other things, novel and inventive. In summary, novelty means that the invention must not have known to anyone, anywhere in the world (for example, by written or oral description or by use) before the Patent Application was filed. For example, even if the invention was published in a foreign country, and even if that publication was in a foreign language, under UK Patent practice that publication would still be damaging to a later Patent Application. For the invention to have inventive. step, it should not be obvious in view of anything which has been made available to the public before the filing date of the Patent Application. Most inventions are devised with a view to solving a problem. In the present case, I believe that your invention solves a problem of Internet fraud as a result of entering credit card information. With this in mind, in order to be inventive, there must not be any documents out there that would prompt someone to move in the direction of your invention with a view to solving this problem. If there is something out there in the public domain, then it is likely that the Patent Office will argue that the arrival at your invention is not inventive. The purpose of our search was to locate any Patent document which described an invention identical or similar to your own, which might prevent your invention from being either novel or inventive. The search results are set out below.
Also at FORRESTER HOUSE, Tel: +44 (0)208889 52 BOUNDS GREEN ROAD, LONDON 6622 Fax: +44 (0)2088890131 Nll 2EY CHAMBERLAIN Tel: HOUSE, PARADISE PLACE, BIRMINGHAM B3 3HP +44 (0)1212360484 Fax: +44 (0) 1212331064
0 Brown BSc CPA RTMA N H Frankland BSc CPA RTMA 0 J tucking BSc CPA RTMA MITMA D M Wardley BSc PhD CPhys MlnstP CPA RTMA MITMA L 0 C Hoarton BEng CPA K Richardson RA Lockey BSc PhD AMlnstP CPA 5 J Parry BEng CPA AT 5 Beallie MSd CPA R T Walker MSc CPA
J V Go w shall BSc ePA S J Wake BSc ePA RTMA MITMA MA Cantab CPA M N Shaw BSc CPA S J Leno RTMA MITMA A C tawson MA DPhil axon CPA
0 Healey BA (axon)
TMA MITMA S
Associates: M Few llB
C Carstairs (Hons) LLM
BSc CPA GM Dodd BSc CPA M T Barton BSc PhD MRSC RPA
C Lobban BSc PhD CPA MITMA S J Forresler MSci RPA (London)
Lane BSc LLB RTMA MITMA No. GB110 0242 58
VAT Registration Admiuistratiou Managers: TA Baxtcr (l3irmingham) Consultants: Representation A L Meddle BSc CPA RTMA Patent Office K Johnson MIPPM(Oip) A'AB~ C Cook RTMA FITMA FORRESTER & BOEHMERT Pettenkoferstrasse 2022 D80336 MUnchen Finance ManabJCr: P A Sargent FCCA FMMT
IT Manab'Cr: C Hughes BSc (Hons)
Records: J S Emery
Website: www.Iorresters.co.uk
at the European
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FORRESTER KETLEY & CO 2
When we conducted the search, we used search criteria that were extremely narrow, in order to keep the number of documents recovered down to a manageable size. Therefore, in addition to the documents discussed below, there may be other documents which have not been revealed by our search which are also relevant to your invention (and which may, indeed, be more relevant than those documents cited below). Nevertheless, as you will see below, some of the documents revealed by our search appear to be very relevant. I attach to this letter a copy of the search results. As you will see, there are 12 documents listed in the search results and I have highlighted the Patent numbers for these documents in blue highlighter pen. Beneath the title of each document is a diagram of the invention described in that document together with an abstract. The abstract provides a brief summary of the invention in each case. If you wish to review the entire document for any of these 12 documents then I suggest that you visit the website http://gb.espacenet.com/. In any event, I have reviewed all 12 abstracts and I will discuss the most relevant documents below. It is perhaps useful firstly to set out a brief summary of what I understand to be the essence of your AW2P Card invention. In very brief summary, I understand that the AW2P is a top-up card specifically for Internet purchases. A card may be purchased "over the counter" using cash or can be bought using a credit card. The card contains no personal information relating to the Internet user, rather the card just contains encrypted data relating to the AW2P card account. Therefore, the user's credit card or bank details do not need to be used over the Internet. I will now turn to discuss the four most relevant documents revealed by our search.
~S200214766~
This is the ninth document listed in the search report. I am reviewing this document first because it appears to me to be the most relevant of all 12 documents. I also attach to this letter a full copy of this document for review. This document describes a method for making on-line payment using a card which has a unique identifying code and a pre-determined cash balance (i.e., it has been "toppedup"). In use, the user enters the identification code from the card to the website and the code is verified by the website vendor. If the code is approved then the amount of money relating to the purchase is debited from the cash balance on the account. As you will see from the abstract and from, for example, paragraph 0002 of the document, the card is to be used as a substitute to conventional credit cards for secure commercial transactions over the Internet, in order to minimise the risk of fraud. I believe that this document is highly relevant to YOl.invention, US2002120530 I have reviewed the abstract of this document and it appears that this document also describes a top-up card procedure in which a "cash card" is topped up by a consumer using cash or other credit cards and this cash card can be used in a computerimplemented purchasing system. Therefore, it could said that this top-up card is used to make an Internet purchase. as I understand it.
3
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...
US2001032878
This document also appears to be very relevant. The system of this document provides a pre-paid cash card which has a card identification number. This card can be bought for a pre-determined amount of money over the counter. To use the card, the user visits an Internet retailer and enters the card information in order to make his purchase. The Internet service subtracts the cost of the retail item from the amount of money represented by the card.
JP11086132
~
This document describes an electronic money pre-pay card, that is to say that the prepay card is emailed to a person and is not a physical entity which can be bought over the counter. The person can use the virtual card at Internet retail sites, together with identification relating to the card in order to make a purchase. Summary In view of the documents revealed by the search, it appears that, unfortunately, it would not be possible to obtain valid Patent protection in the United Kingdom for the AW2P Card based on my present understandiQ.9:.of the invention. Whilst it might be possible to draft Patent claims which avoid the revealed documents and which are therefore novel over, in particular ~S2002117662, it is likely that the protection conferred by such a Patent claim wouldlfe so narrow as to be not commercial ' In any event, in view of the apparent relevance of US ' to the technical field of your invention, I believe that it would be likely that the AW2P Card would be found to be !!ot inventive ...at least in view of this document. Of course, if you feel that there are any other facets to your invention which are not described in the documents revealed by "the search, then please do not hesitate to contact me for further consideration as to the possibility of filing a Patent Application. However, at the present time, my recommendation would be that it would not be worthwhile to file a Patent Application in the UK. :' ~
..--
I am sorry that the news is not better than this but I hope that the information revealed by this search is useful in the development of your idea and I wish you every success with ~ AW2P Car.d.It should be noted that this search is a ,novelty searcb and will intended to check whether there existed any documents which might prevent you from obtaining valid patent protection in th"'8 UK. The searCh was necessaril very narrow. In order to ascertain whether you could nevertheless 0 erate . 'on in th nite Kin dom it would be necessary to perform an jnfringement clearance search, which would be a much .broader search and would therefore be ~more expensive to perform. Please let me know if you have any further questions in this regard.
____________________

4
-,
Please do not hesitate to contact me if you have any questions in respect of this search, or indeed any other questions relating to intellectual property. My firm's invoice for services outstanding to date will follow shortly. Yours sincerely Matthew Barton FORRESTER KETLEY & CO Enc. Search Results Copy of US2002147662
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111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111
us 20020147662Al
(19) (12)
United States Patent Application Publication

Anderson
METHOD OF USING PREPAID CASH CARD FOR MAKING PURCHASES ON THE WORLD WIDE WEB Inventor: Karyn Elaine Anderson, Country, CA (US~ Canyon (57)
(10) (43)
Pub. No.: US 2002/0147662 Al Pub. Date: Oct. 10t.~02

Publication Classification G06F 17/60 705/26; 705/39; 705/44 ABSTRACT
(54)
(51) (52)
Int. CI.7 U.S. Cl.
(76)
Correspondence Address: KELLY BAUERSFELD LOWRY & KELLEY, LLP 6320 CANOGA AVENUE SUITE 1650 WOODLAND HILLS, CA 91367 (US) (21) (22) Appl. No.: Filed: Related (60) 10/021,620 Dec. 11, 2001 U.S.~Application Data
Provisional application No. 60/282,382, filed on Apr. 6,2001.
A method for making on-line purcbases includes purchasing a card having a unique identification code and a predetermined casb balance arid activating an associated account. Goods or services offered by a seller tbrougb a web-site are selected and tbe identification code provided to tbe seller wbo transmits it for verification. If tbe identification code is associated with tbe valid and active account and if tbere is sufficient casb balance in tbe account, an approval code is sent to tbe seller, and the purchase price of the selective goods or services is debited from tbe cash balance of the account. If tbe identification code is determined invalid, or there is insuffic~t cash balance, a denial code is transmitted to tbe seller. AS there are low casb balances and no personally identifying or sensitive information associated. witb the cards, tbere is little risk in use over tbe Internet.
/ Acquire card, secret pin number.
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Contact card1ssuing service pompany.
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102
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Prompt entry of secret pin number , to activate card.
104 110 106

No Prompt to try again, or disconnect.
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Activate card, provide cash balance.
108
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Patent Application Publication
Oct. 10, 2002 Sheet 1 of 4
US 2002/0147662 At
Acquire card, secret pin number.
100
CA>ntactcard issuing
service company.
I __102
Prompt entry of
secret pin number to activate card.
I ~ 104
110
Prompt to try again, or disconnect.
Activate card,
provide cash balance.
108
FIG. 1
Oct. 10,2002 Sheet 2 of 4
US 2002/0147662Al
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Dial-up Internet and connect with desired web-site.
200
Request purchase of goods or services offered through web-site.
202V-
Input card pin number.
J\/
208
No
Denied for improper pin, or insufficient funds.
I V/
Purchase approval granted.
210
Delivery address provided to web-site seller, purchased concluded.
212
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US 2002/0147662 Al
Receive payment requeste from web-site seller.
400
404
Return message to web-site seller of improper card number.
No
Transmit card number to billing processor.
I --
406
410
Return message to web-site seller of insufficient funds.
No
Subtract purchase price from account cash balance, transmit card number and purchase price to payment processor.
412
FIG.4
Payment processor adds value I to web-site seller's account and confirms purchase.
.414
US 2002/0147662 Al 1
Oct. 10, 2002
METHOD OF USING PREPAID CASH CARD FOR MAKING PURCHASES ON THE WORLD WIDE WEB
RELATED APPLICATION
[0001]
This application claims priority from Provisional Application Serial No. 60/282,382, filed Apr. 6, 200l. BACKGROUND OF THE INVENTION
highway tolls, restaurant meals, etc. Although the debit card may have a low credit balance, typically the debit card is associated with an account into which money is deposited by the holder of the debit card. In order to obtain either a credit card or a debit card, an application is typically filled out and SUbmitted which includes personally identifying information such as telephone number, address information, social security number, annual income, family members names, etc.
[0006] While most purchases present no problems, occasionally a purchaser will attempt to purchase goods or .services from an!lnscrupulous company which in reality has no goods or serVices bur is merely defrauding consumers. Such companies obtain the credit card information and use it for cash advances, unauthorized purchases, etc. Additionally, there is an overreaching concern of privacy on the Internet. For example, those who are technologically savvy may pull off information from the data lines or from dat<!.:: 5ases whIch have been accessed without authorizatio II'fiese thieves who intercept or otherwise procure t is in mation can likewise use t e credit card ID ormation to mak.,.. plifchases, etc. Many credit cards offer a spending limit of SeVeral thousand dollars. However, if the card number is stolen, the consumer may only have to pay a small fee (typically less than $200.00), alt~h.Jhe credit card issuing company and the companies from which fraudulent.. purchases are iiiiide stand to lose an enormous amount of money from such fraudulent transactions.
[0002]
The present invention generally relates to purchasing goods and services over the Internet. More particularly, the present invention relates to a prepaid cash card which is used as a substitute to conventional credit cards f~cure commercial transactions over the Internet. /
[0003] The Internet is a global computer super-network consisting of numerous sub-networks. The majority of users connect their computers to the Internet indirectly via a standard analog telephone connection or a digital services connection to an Internet service provider, whose computer is more directly connected to the Internet or one of its sub-networks. The Word Wide Web is a distributed hyper media system in which multimedia information, such as combinations of text, still or moving images, and sound, is transferred via the Internet in accordance with hypertext transfer protocol. Often times the terms Internet and World Wide Web are used interchangeably. A software product known as a browser, executing on a user's computer, is used to retrieve the information and cause the user's computer to display it. An Internet service provider may provide a browser to its subscribers that is integrated with the communication software. The Internet is a client-server system in which the users remote computer operating under a controlled browser constitutes a client platform that requests hypertext documents, and the host computer operating under control of its own software constitute a server platform that provides the documents in response to the client's request.
A user may purchase goods or services via the Internet. The term "electronic commerce" is commonly used to refer to such transactions. Merchants may provide information and offers regarding their products or services in the form of hypertext documents, known as web-sites, that they publish on the World Wide Web. Hundreds of millions of dollars per year are spent in the U.S. on purchasing items and services over the Internet. Due to the very nature of the Internet, a company may be based hundreds or even thousands of miles away from the purchaser. This presents a problem in that without company name recognition, the potential purchaser is unsure of the re utation of the compan];. so, the company may not have a traditional brick 'iiiiO mortar site in which customers visit to purchase similar goods and services, ~ut rather simply a web presence~
[0007] Perhaps of equal concern is the providing of credit card information and other personal information to reputable companies who then sell the personal information to marketing firms, telemarketers and others. This can result in a tremendous amount of "junk mail" and unsolicited telephone calls to the purchaser who provided such information during a single transaction with one company, but who is contacted subsequently by many other companies in which the purchaser may have no interest.
there is a need for a system which allows purchases over the Internet with the same conyenlenCe and ease as with the use of credit or debit cards, while protecLlllg me monetar and privacy IDterests of the puraser. e present invention fu s t~ ~ other related advantages. SUMMARY OF THE INVENTION
[0004]
[0008] Accordingly,
[0005]
Due to the nature of the Internet, the vast majority of commercial transactions occur by providing credit card information, including credit card number and expiration date of the credit card, on a hypertext form or field and transmitting the information to the merchant's server. Once approved, the product may be shipped to the user by conventional means, or it may be delivered electronically via the Internet itself in the case of software or other services provided over the World Wide Web. A similar process is used for those merchants that accept debit cards. Debit cards are commonly used to pay for retail goods, telephone calls,
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fk1~&Wfl[0021] With reference to FIG. 1, a card is acquired having a secret identification code or pin number (100). The card is "
similar to a prepaid telephone card. On one side thereof will be imprinted various desi ns trademarks etc .On the other SI e 0 t e car IS imprinted with information regarcling instructions for use, a web-site address of tbe card issuin company or 'a telephone number of the card issuing company, ~cr~ identificajjon numbe~b.scured ~Lay~el-_ N'J away strip, scratch-off foil treatment, or the like to prevent one from determining the identification number until pur- ~ chase.
&:y-stem, or providing the identification code by voice when the automated system has voice recognition software. Alternatively, the card holder ma enter the identification code into a esignate eld of a card service ~site to activate or create an associated account. ~
[0011] In order to purchase goods or services, the card

holder selects one or more goods or services offered by a seller through its web-site. The identification code of the card is rovided to the , typically by entering the i ent cation code into a designated field of the web-site. The seller then transmits the identification code to tbe card service system for verification. The card service system determines if the identification code is associated with the valid' and' active account, and if there is sufficient cash balance in the account to purchase the selected goods or services. This is done by searching a database of activated accounts.
-r: (
[0022] The cards are issued in different dollar denominations, each card having a corresponding cash balance in a relatively small amount, such as $20.00. $50.00. $1 e cards are typicall placed within retail stores, such as cery stores, gasoline stations, and other retail out1e~ which have agreed to carry the cards. AlThough these stores rmry'lnclude means for actIvatm tfie cards upon purchase, suc as y scanning a bar code or swiping a ma ne IC s np On the card, in a particularly preferred embodiment the purchaser of the card must contact the card issuing company in order to activate an account associated with the card.
[0012] An approval code is transmitted to the seller if the identification is valid and a sufficient cash balance is available in the associated account to purchase the selected goods or services. The seller is credited the value of the purchase price of the selected goods or services, and the purchase price of the selected goods or services are debited from the cash balance of the account. If it is determined that the identification code is invalid, or there is insufficient cash balance in the associated account to purchase the selected goods or services, a denial code is transmitted to the seller. [0013] The card holder can determine current card account cash balance by contacting the card service system, such as by telephone or World Wide Web connection. It is contemplated that the cash balance from one card account can be transferred to another card account when contacting the card service system so that meaningless low cash balances do not remain in an account.
Other features and advantages of the present invention will become apparent from the following more detailed description, taken in conjunction with the accompanying drawings, which illustrate, by way of example, the principles of the invention. BRIEF DESCRIPTION OF THE DRAWINGS drawings illustrate the inven-
[0014]
[0023] Thus, after acquiring and purchasing the card and removing the obstruction cove~ the identification,J;.OGtT, the card issuing company, or card service system is contacted (102). The card service system or company may be contacted by telephone in which an operator requests the identification code in order to activate the corresponding account. In a particularly preferred embodiment, the system is automated and the owner of the card activates the account by inputting the identification code via keystrokes of a keypad of the telephone when prompted, or speaking into the telephone when prompted by the automated system having voice recognition software. Alternatively, the owner of the card may log onto the Internet, and enter the identification code into a designated field of the card issuing service system's web-site (104). [0024] With reference to FIG. 3, a schematic diagram illustrates possible architecture of such a system. The card service system (300) is accessed by end users (302), either cardholders or sellers, using either the telephone interface (304) or the Internet network interface (306), as described above. Upon contacting the card service system (300) and inputting the secret identification or pin number (104), an activation processor (308) searches a card account database (310) to match the provided identification code with a previously generated account, or an account is created. [0025] Referring back to FIG. 1, if it is determined that the identification pin number is valid (106), the card is activated, and the system provides the current 'cash balance (108). However, if the identification code or pin number is determined to be invalid, the end user purchaser of the card (302) is prompted to try again. A preset number of attempts can be provided in any given call, before the system automatically disconnects (110). [0026] There are several methods of making the invention profitable for those involved in providing the cards, such as retail stores, and the service companies involved in the purchase transactions and monitoring of the card accounts. One method is to charge an up-front service fee when purchasing the card. Another is to charge such a service fee upon activation of the card, which can be a preset amount or
[0015] [0016]
The accompanying tion. In such drawings:
FIG. 1 is a flow chart illustrating the steps taken in acguiring and activating a card in accordance with the 2esent invention; FIG. 2 is a flow chart illustrating the steps taken in making a purchase over the World Wide Web using the prepaid cash card of the present invention; [0018] FIG. 3 is a schematic block diagram illustrating connection to a card service system, and various processors and data bases used by the card service~stem !iaCcordanc~ wItb the present invention; and . [0017]
[0019] FIG. 4 is a flow chart illustrating the steps taken in verifying and fulfilling a purchase request from a merchant.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
[0020] As shown in the drawings for purposes of illustration, the present invention is concerned with a method for making purchase transactions over the World Wide Web using a prepaid cash card. ~
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US 2002/0147662 Al
Oct. 10, 2002
3
percentage of the casb balance. Yet anotber metbod is to charge those companies offering purchases to be made using the invention on their web-sites. [0027] Typically, when obtaining a credit card or debit card, personal information is given to tbe company in the form of an application in order to receive tbe card. Sucb information can include social security number, date of birtb, full name, address, telephone number, annual income, etc. whicb tbe holder of tbe card may consider to be private and sensitive. Due to tbe fact that typically only tbe unique identification number associated witb the card is provided to activate the card account, no such personal information is obtainable by acquiring tbe card or card number througb deception, theft, fraud, etc. Wben making purcbases on tbe Internet, as described berein, sucb companies will only be provided limited information, sucb as sbipping address to provide tbe goods or services purcbased. Other personally identifying and sensitive information will not be provided to the company and will alleviate tbe unauthorized transfer of personal information, harassing telemarketing calls, junk mail, etc. Those sellers offering goods and services through the Internet may realize the benefit of the invention in potential increased Internet sales and pay an annual service fee, or a small transaction fee each time a purchase is made, using the present invention. [0028] Credit card fraud is a growing problem and results in tremendous losses to credit card issuing companies, Often, the holder of the credit or debit card is limited in liability to a few hundred dollars, even tbough several thousand' dollars worth of merchandise and services may have been purcbased using the stolen card or card number. Credit card issuing companies lose millions of dollars annually due to sucb credit card theft. Such companies might be interested in incorporating the present invention in their product line as the holder of the card is limited in liability and loss to only the current cash balance remaining on tbe card, typically less than $100. Even if the card was stolen or lost, the card issuing company would have no liability. A process could be ioitiated wherein an active card account could be deactivated and given a new identification code in the event of card tbeft, in order to limit the financial loss of the purcbaser of the cards as much as possible. [0029] With reference now to FIG. 2, in order to make purchase transactions over tbe Internet, otherwise known as the World Wide Web, tbe cardholder connects with a desired web-site (200). The holder of the card tben selects various goods or services and requests purchase of these through the web-site (202). Instead of providing credit card and otber personal information, the user inserts the prepaid cash card identification code or pin number into a designated field on the web-site (204). The web-site seller then contacts the card issuing company, sucb as by network connection, and transmits the provided identification code to verify the identification code and obtain payment for goods and/or services (206). The card service system determines if the identification code provided is associated with a valid and active account by searching the card account database (310), or another database of activated accounts, and tben determines if there is a sufficient cash balance in tbe account to purcbase the selected goods or services. [0030] A denial code is transmitted to the seller if the identification code is determined to be invalid or there is insufficient cash balance in the associated account to purcbase the selected goods or services (208). However, if tbe identification code is determined to be valid and a sufficient casb balance is available in tbe associated account to purcbase tbe selected goods or services, an approval code is sent to tbe seller granting approval of the purcbase (210). Necessary information, sucb as delivery address, is provided to the web-site seller, and the purchase is concluded (212). [0031] With reference now to FIGS. 3 and 4, the above process is provided in more detail. During the purchase transaction, a receive payment request from the web-site seller (400) and cardholder provided identification code is received by tbe card service system (300). The identification code/card number is searched in the database (310) and verified to represent an activated card account (402). If not, the system can be designed to return a message to the web-site seller of an improper card identification code (404). However, if the identification code provided corresponds to an activated card account, tbe card number is transmitted to a billing processor (406). [0032] FIG. 3 illustrates a billing processor (312) and payment processor (314) as part of tbe card service system (300) whicb are used in tbis process. Tbe billing processor (312), or other component of the system (300) verifies that tbe account has a sufficient cash balance (408). If not, the system can be designed to return a message to the web-site seller that the account has insufficient funds (410). However, if there are sufficient funds in the account, the purcbase price is subtracted from tbe account casb balance, the purchase price and card number are transmitted to tbe payment processor (412), and the payment processor (314) adds value to tbe web-site seller's account and confirms the purcbase (414). The above-described process is similar to that used in current e-commerce transactions, and can be modified as necessary to meet tbe technological requirements of various systems. [0033] After tbe transaction, if the card bolder bas a remaining balance, the card bolder can conduct additional commercial transactions in a similar fasbion. In tbe event that the card holder bas not kept track of the balance of the card account, or has otberwise forgotten, the card holder may contact tbe card service system, as described above, to obtain the current cash balance of the account. While optirnally tbis can be done in real time, realistically several bours or even a day or two may be necessary before providing a correct current balance between commercial transactions. Upon reacbing a zero balance, tbe corresponding card account will be closed. As it is anticipated that there may, after several commercial transactions, remain only minimal casb balance on any given card account, the invention tbus contemplates transferring balances from one card account to anotber card account so that Internet purchases can be made using a single account identification code number. Tbis can be accomplished using the card service system web-site or telepbone system and following the prompts or filling in the designated fields as directed. [0034] As can be appreciated by tbe reader, due to the fact tbat there is no accompanying personal information with such transactions, even if a would be thief were to intercept the information over the network lines or gain-unauthorized access into the database, tbe thief would only be able to use the balance of that particular card account. Due to the fact
~,
US 2002/0147662 A1 4
Oct. 10, 2002
that the card accounts are provided in relatively small dollar values, risk is significantly minimized to all parties. Alsc, identity theft is virtually eliminated. The invention provides an enormous benefit not only to the holder of the card, which protects his or her privacy and limits his or her financial loss, but alsc benefits the companies which issued the prepaid cards and those companies providing the goods and services as the risk of loss due to fraudulent use of the card is eliminated and the goods and services will always be paid for without loss to prepaid cash card issuer or service system. [0035] Although several embodiments of the present invention have been described in detail for purposes of illustration, various modifications of each may be made without departing from the spirit and scope of the invention. Accordingly, the invention is not to be limited, except as by the appended claims. What is claimed is: 1. A method for making purchase transactions over the world wide web, comprising the steps of: purchasing a card having a unique identification code and a predetermined cash balance; activating an account associated with the card by providing the identification code to a card service system; selecting one or more goods or services offered by a seller through a web-site; providing the identification code of the card to the seller who then transmits the identification code to the card service system for verification; and debiting the purchase price of the selected goods or services from the cash balance of the account. 2. The method of claim 1, wherein the activating step includes providing only the identification code to the card service system. 3. The method of claim 1, including the step of removing an obstruction covering the identification code after purchasing the card. 4. The method of claim 3, including the step of removing a peel-away strip covering the identification code. 5. The method of claim 1, wherein the activating step includes calling the card service system by telephone and providing the identification code. 6. The method of claim 5, wherein the activating step includes inputting the identification code via keystrokes of a keypad of the telephone when prompted by an automated system. 7. The method of claim 5, wherein the activating step includes an automated system having voice recognition software and the identification code is provided by voice. 8. The method of claim 1, wherein the activating step includes entering the identification code into a designated field of a card service system web-site. 9. The method of claim 1, wherein the verification by the card service system includes the steps of determining if the identification code is asscciated with a valid and active account and if there is sufficient cash balance in the account to purchase the selected goods or services. 10. The method of claim 9, wherein the determining step includes searching a database of activated accounts. 11. The method of claim 9, including the step of transmitting an approval code to the seller if the identification
code is valid and a sufficient cash balance is available in the associated account to purchase the selected goods or services. 12. The method of claim 11, including the step of transmitting a denial code to the seller if the identification code is determined invalid or there is insufficient cash balance in the asscciated account to purchase the selected goods or services. 13. The method of claim 11, including the step of crediting the seller the value of the purchase price of the selected goods or services when debiting the cash balance of the card account. 14. The method of claim 1, including the step of determining current card account cash balance by contacting the card service system. 15. The method of claim 14, including the step of transferring a cash balance from one card account to another card account by contacting the card service system. 16. A method for making purchase transactions over the world wide web, comprising the steps of: purchasing a card having a unique identification code and a predetermined cash balance; removing an obstruction covering the identification code after purchasing the card; activating an account associated with the card by calling the card service system by telephone and providing the identification code; selecting one or more goods or services offered by a seller through a web-site; providing the identification code of the card to the seller by entering the identification code into a designated field of the web-site, who then transmits the identification code to the card service system for verification; determining if the identification code is associated with a valid and active account and if there is a sufficient cash balance in the account to purchase the selected goods or services; and transmitting an approval code to the seller if the identification code is valid and a sufficient cash balance is available, and crediting the seller the value of the value of the purchase price of the selected goods or services and debiting the purchase price of the selected goods or services from the cash balance of the account, or transmitting a denial code if the identification code is invalid or there is insufficient cash balance in the associated account to purchase the selected goods or services. 17. The method of claim 16, wherein the activating step includes providing only the identification code to the card service system. 18. The method of claim 16, including the step of removing a peel-away strip covering the identification code. 19. The method of claim 16, wherein the activating step includes inputting the identification code via keystrokes of a keypad of the telephone when prompted by an automated system. 20. The method of claim 16, wherein the activating step includes an automated system having voice recognition software and the identification code is provided by voice. 21. The method of claim 16, wherein the determining step includes searching a database of activated accounts.
US 2002/0147662 A1 5
Oct. 10,2002
22. The method of claim 16, including the step of determining current card account cash balance by contacting the card service system. 23. The method of claim 22, including the step of transferring a cash balance from one card account to another card account by contacting the card service system. 24. A method for making purchase transactions over the world wide web, comprising the steps of: purchasing a card having a unique identification code and a predetermined cash balance; removing an obstruction covering the identification code after purchasing the card; activating an account associated with the card by entering the identification code into a designated field of a card service system web-site; selecting one or more goods or services offered by a seller through a web-site; providing the identification code by entering the identification field of the seller's web-site, identification code to the card fication; of the card to the seller code into a designated who then transmits the service system for veri-
transmitting an approval code to the seller if the identification code is valid and a sufficient cash balance is available, and crediting the seller the value of the value of the purchase price of the selected goods or services and debiting the purchase price of the selected goods or services from the cash balance of the account, or transmitting a denial code if the identification code is invalid or there is insufficient cash balance in the associated account to purchase the selected goods or services. 25. The method of claim 24, wherein the activating step includes providing only the identification code to the card service system. 26. The method of claim 24, including the step of removing a peel-away strip covering the identification code. 27. The method of claim 24, wherein the determining step includes searching a database of activated accounts. 28. The method of claim 24, including the step of determining current card account cash balance by contacting the card service system. 29. The method of claim 28, including the step of transferring a cash balance from one card account to another card account by contacting the card service system.
determining if the identification code is associated with a valid and active account and if there is a sufficient cash balance in the account to purchase the selected goods or services; and
* * * * *
1) Family number:
31345447
( US68208.03 BA
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Title: Cash card system Abstract: Source: US6820803BA A cash card system featuring an electronic element providing a mechanism for making a cash purchase or payment. The electronic element contains a PIN and electronic cash, and is useless by itself. Only the correct PIN will validate a purchase. The account number encoded .on the electronic element is tied to the PIN, such that the loss or theft of the electronic element will prevent unauthorized usage. The user purchases a dollar amount for the electronic element, which is electronically loaded therein. Thereafter, the user transfers the electronic cash to a retailer or a financial institution by providing the PIN. International class (IPC 1-7): G06F17/60 European class: G07F7/08C2 US class: 235/380 235/381 235/382 235/441 70S/50 705/64 Publication number Publication date Application number date 20020830 US6820803 BA 20041123 US20020230439 Priority: US20020230439 20020830 Application
Cited documents: USRE36365, US6473500, US6454165, US6434379, US6273335, US6267292, US6243450, US6115458, US5953710, US5918909, US5577109, US2003008976, US2002009960, US2001003471, Assignee(s): (std): BROWNING CHARLES L ; BROWNING LUCAS T ; GAUGHAN W CLARK Inventor(s): (std): BROWNING CHARLES L ; BROWNING LUCAS T ; GAUGHAN W CLARK
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( US2006037835 A~
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Title: Methods and systems for exchanging and or transferring various forms of value Title: PROCEDESET SYSTEMESPERMETIANT D'ECHANGERET/OU TRANSFERER DIVERSES FORMES DE VALEUR
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~bstract: Source: US200603783sAA Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In one embodiment, a value exchange machine includes a coin input region, a coin sorting/counting apparatus, a card reader, and a communications facility configured to communicate with a remote computer network. In another embodiment, a value exchange system includes one or more of the value exchange machines connected to one or more remote computers via a communications link. A user wishing to purchase, for example, a prepaid cash card can visit one of the value exchange machines, select the desired transaction, and pay for the card with coins, currency, a credit card, a debit card, and/or bank account funds. After confirming payment, the value exchange machine dispenses the card to the user. International class (IPC 8): G06020/00 G06040/00 G07D1/02 G07D11/00 G07Ds/00 G07D7/00 G07F17/42 G07F19/00 G07Fs/24 G07F9/08 (Advanced/Invention); G06Q20/00 G06Q40/00 G07D1/02 G07Dll/00 G07Ds/00 G07D7/00 G07F17/00 G07F19/00 G07Fs/00 G07F9/08 (Core/Invention) International class (IPC 1-7): G06F17/60 G07D7/00 European class: G06Q20/00K3E G07D1/02 G07Dll/00L G07Ds/00 G07D7/00 G07F17/42 G07Fl9(00F G07Fs/24 G07F9/08 US class: 194/302 705/39 705/42 705/43 Publication date AU2003211084 AA number 20030909 Publication date Application number Application
AU20030211084
20030214
AU2003211085 AA 20030909 AU2003211087 AA 20030909 CA2476467 AA 20030828 CA2476500 AA 20030828 CA2476502 AA 20030828 EP1481351 A2 20041201 EP1481352 A2 20041201 EP1481374 Ai 20041201 US2006037835 AA 20060223 US2006064379 AA 20060323 US2006069642 AA 20060330 W003071386 A2 20030828 W003071386 A3 20031204 W003071386 C2 20040212 W003071387 A2 20030828 W003071387 A3 20031211 W003071495 Ai 20030828 Priority: US20020357331P 20020215 US20020424377P 20021106 US20030504437 US20030504438 20030214 US20050504437 US20050504438 20050412 W02003US0460 1 W02003US04603 20030214
AU20030211085 20030214 AU20030211087 20030214 CA20032476467 20030214 CA20032476500 20030214 20030214 CA20032476502 EP20030742772 20030214 EP20030742774 20030214 EP20030742771 20030214 20050412 US20050504438 20030214 US20030504436 US20030504437 20030214 20030214 W02003US0460 1 W02003US0460 1 20030214 W02003US0460 1 20030214 W02003US04603 20030214 W02003US04603 20030214 W02003US04600 20030214 20020215 US20020419735P US20030504436 20030214 US20050504436 20050413 W02003US04600 20030214
US20020357555P 20021018 20030214 20050413 20030214
Cited documents: USRE6289324/ USRE6230928/ US6289324/ US6230928/ US6144946/ US6116402/ US5974146/ US5839956/ US5743429/ US5699328/ US5637845/ US5577959/ Assignee(s): (std): COINSTAR INC ; DEAN scorr A ; DORAN MICHAEL ; HANSON KIM P ; JACOBSON JESSACA ; JOCOBSON JESSACA ; MARTIN DOUGLAS A ; SMITH KERRY Inventor(s): (std): DEAN scorr A; DORAN MICHAEL ; HANSON KIM P ; JACOBSON JESSACA ; JOCOBSON JESSACA ; MARTIN DOUGLAS A ; SMITH KERRY Inventor(s): MICHAEL DORAN ; scorr A DEAN; KERRY SMITH; KIM P HANSON ; JESSACA JACOBSON; DOUGLAS A MARTIN Designated states: AE AG AL AM AT AU AZ BA BB BE BF BG BJ BR BY BZ CA CF CG CH Cl CM CN CO CR CU CY CZ DE DK DM DZ EC EE ES FI FR GA GB GD GE GH GM GN GQ GR GW HR HU ID lE IL IN IS IT JP KE KG KP KR KZ LC LI LK LR LS LT LU LV MA MC MD MG MK ML MN MR MW MX MZ NE NL NO NZ OM PH PL PT RO RU SC SD SE SG SI SK SL SN SZ TD TG TJ TM TN TR 'rr TZ UA UG US UZ VC VN YU ZA ZM ZW
3) Family number: 30118554 {~002179401
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Title:
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CREDIT EXTENSION PROCESSUSING A PREPAID CARD
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Abstract: Source: US2002179401AA A method and system and computer readable medium for processing currency including cash, coins, passive cards, prepaid cards, debit cards, check cards, and smart cards and for providing tokens including passive cards, debit cards, check cards, and smart cards. A transaction fee is calculated based upon a combination of one more of the following (i) type and amount of currency deposited; (iii) the type and amount of token requested; and (iii) the type and amount of the subsequent purchase International class (IPC 8): G06020/00 G06030/00 G07F19/00 G07F7/00 (Advanced/Invention); G06020/00 G06030/00 G07F19/00 G07F7/00 (Core/Invention) International class (IPC 1-7): G06F17/60 G06F19/00 G06F7/00 G06F9/00 G07F19/00 G07F9/08 European class: G06F17/60B2 G06020/00K2B G06020/00K4P G06020/00K6A G06Q30/00A G07F19/00B G07F19/00F G07F7/00C US class: 194/215 194/217235/379705/38705139 Publication number date AU2003217732 AA 20031020 CA2448455 AA 20021212 CA2477937 AA 20031016 EP1399866 A2 20040324 GB200418764 AO 20040922 GB2402244 A1 20041201 US2002179401 AA 20021205 US2002194122 AA 20021219 US6659259 BB 20031209 W002099561 A2 20021212 W002099561 A3 20030904 W003085581 A1 20031016 Priority: US20010295439P 20010827 W02002US16143 20020522 Publication date Application number 20030225 20020522 20030225 20020522 20030225 20030225 20010827 20020226 20010827 20020522 20020522 20030225 US20010939940 20020226 20030225 Application
AU20030217732 CA20022448455 CA20032477937 EP20020739329 GB20040018764 GB20040018764 US20010939940 US20020085820 US20010939940 W02002US16143 W02002US16143 W02003US05796 20010601 US20020085820 W02003US05796
Cited documents: USRE6318536, USRE6216115, USRE6193155, US6318536, US6216115, US6205433, US6193155, US6167387, US6105009, US6073744, US5991747, US5869826, US5834756, US5696908, US5659165, US5621787, US5620079, US5513102, US5440108, US5293310, US4992646, US2002153415, Assignee(s): (std); DATAWAVE SYSTEMSINC ; DATAWAVE SYSYEMSINC ; EMANUEL JOSH ; KNOX DAVID Inventor(s): (std): EMANUEL JOSH ; KNOX DAVID Inventor(s): JOSH EMANUEL ; DAVID KNOX
Designated states: AE AG AL AM AT AU AZ BA BB BE BF BG BJ BR BY BZ CA CF CG CH Cl CM CN CO CR CU CY CZ DE DK DM DZ EC EE ES FI FR GA GB GD GE GH GM GN GQ GR GW HR HU ID lE IL IN IS IT JP KE KG KP KR KZ LC LI LK LR LS LT LU LV MA MC MD MG MK ML MN MR MW MX MZ NE NL NO NZ OM PH PL PT no RU SC SD SE SG SI SK SL SN SZ TD TG TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW
(lUS5557516 A)
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Title: Title:
System and method for conducting cashless transactions. System und Verfahren zum OruckfUhren von bargelalosen Transaktionen.
~bstract: Source: US5557516A In a commercial transaction system, a system user uses a card device to interact with sales or transaction terminals to conduct cashless transactions. Each terminal processes data including a balance stored on the card device and updates the stored data at the end of the transaction. The system is specially designed for purchases of items or transactions of relatively small monetary value, where purchases are generally unattended by salespersons. In this manner, the amount of the transaction is deducted from the balance on the card device. In accordance with the invention, when the existing balance associated with the card does not cover the price of the transaction, the system provides an automatic renewal feature which automatically increases the balance of the card device by a predetermined amount. Such a feature allows the purchase to be made without inconveniencing the card user to increase the balance by other means. Each time the balance is increased by an automatic renewal, the card issuing bank bills the card user for increments of the predetermined amount. International class (IPC 1-7): G06F157(00 G06F17(60 G07F7(08 European class: G07F7 (020 G07F7(08C6 G07F7(080 US class: 235(380 235(381 705(41 705(42 Publication date AU 1264395 A1 AU4534497 A1 AU687142 B2 AU707690 B2 BR9408529 A CA2182378 AA number 19950821 19980205 19980219 19990715 19970805 19950810 Publication date AU199500126430 AU199700453440 AU19950012643 AU19970045344 BR19940008529 CA19942182378 Application number 19941201 19971118 19941201 19971118 19941201 19941201 Application
CA2182378 C 20001003 CN1145676 A 19970319 CZ9602218 A3 19980114 EG20566 A 19990830 EP0666549 A1 19950809 HU218405 B 20000828 HU76228 A2 19970728 IL112375 A1 19990312 NZ277428 A 19980226 PL176193 B1 19990430 PL316012 A1 19961223 RU2180761 C2 20020320 SG46441 A1 19980220 US5557516 A 19960917 W09521427 A1 19950810 ZA9500214 A 19960502 Priority: AU 19950012643 19940204
CA19942182378 CN19940195057 CZ19960002218 EG19950000068 EP19950300718 HU19960002116 HU19960002116 IL19950112375 NZ19940277428 PL19940316012 PL19940316012 RU19960117523 SG19180096047 US19940191637 W01994US13832 ZA19950000214 19941201 WO 1994US 13832
19941201 19941201 19941201 19950128 19950206 19941201 19941201 19950118 19941201 19941201 19941201 19941201 19950206 19940204 19941201 19950112 US19940191637 19941201
Cited documents: US5380991, US5293030, US5274221, US5264689, US5225667, US5212373, US5206488, US5182442, US5166503, US5162638, US5157247, US5111030, US4973828, US4908502, U54849615, US4757186, US4731575, US4697073, US4669596, US4650981, US4625102, US4614861, US4605844, US4582985, US4353064, US4277837, US4105156, US3941977, US3935933, US3637994, US3559175, FR2685520, EP0423035, EP0402302, EP0378454, EP0316689, DE3432557, Assignee(s): (std): MASTERCARD INT INC Assignee(s): MASTEHKAD INTEHNEHSHNL INK Inventor(s): (std): HOGAN EDWARD J ; SCHEINFELD ROBERT C Inventor(s): KHOGAN EHDVARD DZH Designated states: AM AT AU BB BE BF BG BJ BR BY CA CF CG CH Cl CM CN CZ DE DK EE ES FI FR GA GB GE GN GR HU lE IT JP KE KG KP KR KZ LI LK LR LT LU LV MC MD MG ML MN MR MW NE NL NO NZ PL PT RO RU SD SE SI SK SN SZ TD TG TJ TT UA UZ VN
5) Family number:
28213215
( US2002120S:3U A~)
(<":' PatBase
Title: THE INTERNET
METHOD AND SYSTEM FOR TRANSACTING AN ANOYMOUS PURCHASE OVER
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Abstract: Source: US2002120S30AA A method is provided for transacting an anonymous purchase over the Internet. The method comprises the steps of: (a) acquiring intermediary credit account information (22) from a purchasing intermediary (35, 112) ; (b) providing transactional purchase information (24), including the intermediary credit account information, to a retailer (16, 128), where the transactional purchase information is provided by the purchaser (134) using a first computing device of a computer-implemented purchasing system (12); and (c) transacting a purchase (26) between the purchaser and the retailer (16, 126) using the intermediary credit account information, thereby maintaining the anonymity of the purchaser (134) . A method is also provided for the inexpensive sale of cash cards (40) to a retail outlet (126) and for funding the cash cards (40) upon purchase by a consumer (134). The cash cards (40) are not funded until cash or credit through other credit cards is received from the consumer (134). After the consumer (134) has purchased the cash card (40), the consumer (134) must activate the card, and the purchase intermediary (112) awards commissions. International class (IPC 8): G06Q20/00 G06Q30/00 G06Q40/00 G07F7/08 (Advanced/Invention); G06Q20/00 G06Q30/00 G07F7/08 (Core/Invention) International class (IPC 1-7): G06F17/60 G07F19/00 G07F7/02 G07F7/08 European class: G06F17/60B G06Q20/00K2B G06Q20/00K3B G06Q30/00C G07F19/00B G07F7/08C6 US class: 705/26 705/35 705139 705/64 Publication date AU20006S004 AS CA2380S27 AA EP1204940 Ai number 20010219 20010208 20020515 Publication date Application number Application
AU2000006S004 CA20002380S27 EP20000952277
20000728 20000728 20000728
20041103 20030721 20020829 20041028 20041230 20050113 20060413 20010208 US 19990003634 19990729 US20040821158 20040408 US20040851927 US20050245732 20051007 A AA AA AA AA AA
EP1204940 A4 MXPA02001043 US2002120530 US2004215576 US2004267649 US2005010489 US2006080234 W00109793 Ai Priority:
EP20000952277 20000728 MX2002PA01043 20020130 20020128 US20020060044 US20040851927 20040521 US20040821162 20040408 US20040821158 20040408 US20050245732 20051007 W02000US20672 20000728 19990729 US19990363499 US20020060044 20020128 US20040821162 20040408 20040521 W02000US20672 20000728
Cited documents: W09903057, W09638801, US5815561, US5663546, US5621787, EP0921487, Assignee(s): (std): BLASIMAN DOUGLAS E ; PRIVACASH COM INC ; SUTTON DAVID B Inventor(s): (std): BLASIMAN DOUGLAS E ; SUTTON DAVID B Inventor(s): DAVID B SUTTON ; DOUGLAS E BLASIMAN Designated states: AE AL AM AT AU AZ BA BB BE BF BG BJ BR BY CA CF CG CH Cl CM CN CR CU CY CZ DE DK DM EE ES FI FR GA GB GD GE GH GM GN GR GW HR HU ID rs IL IN IS IT JP KE KG KP KR KZ LC LI LK LR LS LT LU LV MA MC MD MG MK ML MN MR MW MX MZ NE NL NO NZ PL PT RO RU SD SE SG SI SK SL SN SZ TD TG TJ TM TR TTTZ UA UG US UZ VN YU ZA ZW
6) Family number:
28621528
( US2001032878 AA)
~.~~ PatB<u;e
Title: METHOD AND SYSTEM FOR MAKING ANONYMOUS ELECTRONIC PAYMENTS ON THE WORLD WIDE WEB
,1?l
Abstract: Source: US2001032878AA Methods and systems consistent with the present invention provide a simple and easy-to-use system to make electronic payments on the Web, Specifically, methods and systems consistent with the present invention provide anonymity, security and accountability, To do so, pre-paid stored value card (cash card) including a card identification number for a predetermined amount of money may be purchased at a point of sale, To ensure security, Personal Security Codes are established for a user at a server, To use the cash cards, a user may visit a Web merchant, select an item to purchase, and enter the card identification number and the Personal Security Code to transmit for confirmation to the server, The server subtracts the cost of the item from the predetermined amount on the cash card, International class (IPC 1-7): G06F17/60 G07F19/00 G07F7/10 H04Kl/00 European class: G06F17/60B6 G06Q20/00Kl G06Q20/00K2B G06Q20/00K2C G06Q20/00K3B G06Q20/00K3E G06020/00K3F G06Q20/00K4P G07F19/00B G07F19/00C G07F7/08C6 H04L29/06C6B US class: 235/379 705/71 705/72 705/77 705/78 Publication number date AU200136812 A5 20010820 AU200136838 A5 20010820 US2001032878 AA 20011025 US2001039535 AA 20011108 W00159727 A2 20010816 W00159727 A3 20020307 W00159731 Ai 20010816 Priority: US20000181224P 20000209 US20010780031 20010209 W02001US04251 Publication date Application number Application
AU20010036812 AU20010036838 US20010780029 US20010780031 W02001US04183 W02001US04183 W0200 1US04251 20000209 US20010780029 W02001US04183 20010209
20010209 20010209 20010209 20010209 20010209 20010209 20010209 US20000181225P 20010209 20010209
Cited documents: W09907121, W09858345, W09814921, W09712344, W09704411, W09516971, US6002767, US5883810, US5794207, GB2333878, EP0725376, EP0251619, Assignee(s): (std): DOHERTY CHARLES; DOHERTYCHARLES S ; INTERNET CASH COM ; REDDY BENJAMIN ; RICHELSON EILLIOTT JASON ; TSIOUNIS YIANNIS S Inventor(s): (std): DOHERTY CHARLES; DOHERTYCHARLES S ; REDDY BENJAMIN ; RICHELSON EILLIOTT JASON ; RICHELSON ELLIOT JASON ; TSIOUNIS YANNIS ; TSIOUNIS YIANNIS ; TSIOUNIS YIANNIS S Inventor(s): YANNIS TSIOUNIS ; YIANNIS TSIOUNIS ; ELLIOT JASON RICHELSON ; BENJAMIN REDDY ; CHARLES DOHERTY Designated states: AE AG AL AM AT AU AZ BA BB BE BF BG BJ BR BY BZ CA CF CG CH Cl CM CN CR CU CY CZ DE DK DM DZ EE ES FI FR GA GB GD GE GH GM GN GR GW HR HU ID lE IL IN IS IT JP
KE KG KP KR KZ LC LK LR LS LT LU LV MA MC MD MG MK ML MN MR MW MX MZ NE NL NO NZ PL PT RO RU SO SE SG SI SK SL SN SZ TO TG TJ TM TR TT TZ UA UG UZ VN YU ZA ZW
7) Family number:
28223541
LUS2002077978
AA}
(i:) PatBase
Title:
METHOD AND SYSTEM FOR PROCESSING INTERNET PAYMENTS
Abstract: Source: US2002077978AA A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (Web Broker), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The Web Broker is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a Web Broker enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent Web Broker enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability International class (IPC 8): G06020100 (Advanced/Invention); G06020100 (Core/Invention) International class (IPC 1-7): G06F17/60 European class: G06020100K2B G06020100K3A G07F19/00B US class: 705/40 Publication number date AU200168692 A5 20020102 CA2414038 AA 20011227 CN1454364 A 20031105 EP1309933 Ai 20030514 EP1309933 A4 20050914 JP2003536174 T2 20031202 US2002077978 AA 20020620 W00199019 Ai 20011227 Priority: US20000213423P 20001201 W02001US20029 20010622 Publication date Application number 20010622 20010622 20010622 20010622 20010622 20010622 20010621 20010622 US20000250495P 20010621 Application
AU20010068692 CA20012414038 CN20010813368 EP20010946675 EP20010946675 JP20020503788 US20010886916 W02001US20029 20000622 US20010886916
Cited documents: W09930263, W09924921, W09739415, USRE6173272, US6173272, US6149055, US5884290, Assignee(s): (std): CHASE MANHATTAN BANK NAT ASS; JP MOGEN BANK; JP MORGAN CHASE BANK Assignee(s): CHASE MANHATTAN BANK Inventor(s): (std): AGOSTINO VD; AGOSTINO VINCENT D ; BURNEYJESSICA ; D AGOSTINO
VINCENT; HOFFMAN ADAM ; O"LEARY 0 ; O"LEARY DENIS ; RE S R ; RE S RICHARD Inventor(s): S RICHARD RE ; SR RE ; VD AGOSTINO ; VINCENT D"AGOSTINO ; RE S ; JESSICA BURNEY ; 0 O"LEARY ; D"AGOSTINO VINCENT; DENIS O"LEARY ; ADAM HOFFMAN Designated states: AE AG AL AM AT AU AZ BA BB BE BF BG BJ BR BY BZ CA CF CG CH Cl CM CN CR CU CY CZ DE OK OM DZ EE ES FI FR GA GB GO GE GH GM GN GR GW HR HU ID lE IL IN IS IT JP KE KG KP KR KZ LC LI LK LR LS LT LU LV MA MC MD MG MK ML MN MR MW MX MZ NE NL NO NZ PL PT RO RU SO SE SG SI SK SL SN SZ TO TG TJ TM TR TTTZ UA UG UZ VN YU ZA ZW
VINCENT; HOFFMAN ADAM ; O"LEARY 0 ; O"LEARY DENIS ; RE S R ; RE S RICHARD Inventor(s): S RICHARD RE ; SR RE ; VD AGOSTINO ; VINCENT D"AGOSTINO ; RE S ; JESSICA BURNEY ; 0 O"LEARY ; D"AGOSTINO VINCENT; DENIS O"LEARY ; ADAM HOFFMAN Designated states: AE AG AL AM AT AU AZ BA BB BE BF BG BJ BR BY BZ CA CF CG CH Cl CM CN CR CU CY CZ DE OK OM DZ EE ES FI FR GA GB GO GE GH GM GN GR GW HR HU ID lE IL IN IS IT JP KE KG KP KR KZ LC LI LK LR LS LT LU LV MA MC MD MG MK ML MN MR MW MX MZ NE NL NO NZ PL PT RO RU SO SE SG SI SK SL SN SZ TO TG TJ TM TR TTTZ UA UG UZ VN YU ZA ZW
8) Family number: 28617784 (~S2005015331
A~)
4'~': PatBase
Title: PREPAID CARD INFORMATION ISSUING SYSTEM, CALL RATE SETTLEMENT SYSTEM, COMMUNICATION RATE SETTLEMENTSYSTEM, AND EXPENSESETTLEME Title: SYSTEME D'EMISSION D'INFORMATIONS CONCERNANT DES CARTES A PREPAIEMENT, SYSTEME DE PAYEMENTDE COUTS D'APPELS,....
FI~ ~
;j
-,
Abstract: Source: US2005015331AA A prepaid card information issuing system 10 comprising a character string data base 25 for storing a plurality of character strings each consisting of a predetermined number of digits, a selection sheet 32 on which barcodes 35, 36 for identifying the type and face value of a prepaid card are displayed, a barcode reader 15a for reading out the barcodes 35, 36 to input the type and face value of the prepaid card, paid amount of money input means for inputting the amount of cash paid, prepaid card information generator 22 for generating prepaid card information by associating some character string in the character string data base 25 with the face value concerned when the face value of the prepaid card thus selected is coincident with the paid money amount, a prepaid card information data base 26 for storing prepaid card information, and prepaid card information issuing means 31. International class (IPC 8): G06Q20/00 G07F7/08 H04M17/00 H04M17/02 (Advanced/Invention); G06Q20/00 G07F7/08 H04M17/00 (Core/Invention) International class (IPC 1-7): G06F17/60 G07F7/08 H04M15/00 H04M17/00 European class: G06Q20/00K4P G06Q20/00K5 G07F7/08C6 H04M17/00 H04M 17/02 H04M 17/02C US class: 705/35 705/39 Publication date AU2002344068 AA CN 1585964 A EP1460592 A1 number 20030610 20050223 20040922 Publication date AU20020344068 CN20020822581 EP20020777818 Application number 20021009 20021009 20021009 Application
EP1460592 A4 20050914 JP2003162755 A2 20030606 TW588541 B 20040521 US2005015331 AA 20050120 W003046849 Ai 20030605 Priority: JP20010361236
EP20020777818 20021009 JP20010361236 20011127 TW20020134290 20021126 US20040496865 20040526 W02002JP10486 20021009 20011127 W02002JP10486
20021009
Cited documents: W09638801, JP6244993, JP3050041, JP2001325541, JP2001273450, JP11203560, Assignee(s): (std): GREAT INFORMATION CO LTD ; GREAT INFORMATION KK ; KUNUGI TAKANOBU ; KUNUGI YURAKO Inventor(s): (std): KUNUGI TAKANOBU ; KUNUGI YURAKO ; TAKANOBU KUNUGI ; YURAKO KUNUGI Designated states: AE AG AL AM AT AU AZ BA BB BE BF BG BJ BR BY BZ CA CF CG CH Cl CM CN CO CR CU CY CZ DE DK DM DZ EC EE ES FI FR GA GB GD GE GH GM GN GQ GR GW HR HU ID lE IL IN IS IT KE KG KP KR KZ LC LI LK LR LS LT LU LV MA MC MD MG MK ML MN MR MW MX MZ NE NL NO NZ OM PH PL PT RO RU SD SE SG SI SK SL SN SZ TD TG TJ TM TN TR rr TZ UA UG US UZ VC VN YU ZA ZM ZW
( US2002147662 AA
\p-
:~Pat(\a~;e
Title: web
Method of using prepaid cash card for making purchases on the world wide
Acquire card,
I.- 100
secret pin number.
102
Prompt entry of
secret pln number to aC'ti'vatecard. 10'4
HO No
Pr.omptto
try again, or di$connecl,
Aotivate card,
prQvide cash balance.
108
Abstract: Source: US2002147662AA A method for making on-line purchases includes purchasing a card having a unique identification code and a predetermined cash balance arid activating an associated account. Goods or services offered by a seller through a web-site are selected and the identification code provided to the seller who transmits it for verification. If the identification code is associated with the valid and active account and if there is sufficient cash balance in the account, an approval code is sent to the seller, and the purchase price of the selective goods or services is debited from the cash balance of the account. If the identification code is determined invalid, or there is insufficient cash balance, a denial code is transmitted to the seller. As there are low cash balances and no personally identifying or sensitive information associated with the cards, there is little risk in use over the Internet International class (IPC 1-7): G06F17/60 European class: G06F17/60B G06020/00K2B G06020/00K3B G07F19/00B G07F7/02E US class: 705/26 705139 705/44 Publication number date US2002147662 AA 20021010 Priority: US20010021620 Assignee(s): Inventor(s): Publication date
G06020/00K4P G06030/00C
Application
number
Application
US20010021620 20011211 20011211 US20010282382P
20010406
(std): ANDERSON KARYN ELAINE (std): ANDERSON KARYN ELAINE
11) Family number: 28317817 ( US0021~S820 AAi)
'.~ .) . Pdtl1dS~
Title:
Prepaid electronic
cash system with pin vending machines
f'RI!I"AlO'UfMCI
pMVlOU lt9.
TIWlSACTIONJ PROC$$Olt
I~.......;m
~bstract: Source: US2002165820AA A technique for delivery of a personalized identification number (PIN) from a centralized database of a prepaid PIN service provider along with a digital signature for verification of the transaction. As a response to a cash amount inputted by the user to a PIN vending machine, an unassigned PIN in a centralized database is assigned to the user as a unique user PIN, and delivered to the user as an imprinted receipt along with an associated digital signature for authentication International class (IPC 1-7): G06F17/60 European class: G06F17/60B G06Q20/00K2B G07F17/42 G07F19/00B US class: 705/39
G06Q20/00K3F
G06Q20/00K4P
G06Q30/00C
Publication number Publication date date US2002165820 AA 20021107 US20010848795 Priority: US20010848795 20010504
Application number 20010504
Application
Assignee(s): (std): ANVEKAR DINESH KASHINATH ; GOPINATH BHASKARPILLAI Inventor(s): (std): ANVEKAR DINESH KASHINATH ; GOPINATH BHASKARPILLAI
; GUPTA SANJAY ; GUPTA SANJAY
(~JPll086132 A2
r?
~.:~} ?~ltBGlse
Title: PREPAID CARD
ELECTRONIC ACCOUNT SETILEMENT METHOD USING ELECTRONIC MONEY
1 , ttXC
;a
r-~.L-~-~---tI!.
f .T... i
*-"~~ .... tT*'-'F.

tt;;;:
1, ,.
'
.T~ __
J
I(
Il.:f-t
:tv~-'r;tJ ... }1._iU '

!t~~~~"/I~tt_Y'f'W!!I!'1J
"L
, __
III".. ...
'aMi
Abstract: Source: JPll086132A2 PROBLEM TO BE SOLVED: To provide an electronic account settlement method which uses the electronic money prepaid cards. SOLUTION: In this account settlement method, a prepaid card system is applied safely on a line of an internet 3, etc. Thus, a person ordering 1 registers his electronic mail address in advance, receives an electronic money prepaid card number, purchases an electronic money prepaid card, and sends this card to an ordering destination 2 together with the card numbers. At the destination 2, the electronic money prepaid card of the person ordering 1 is checked, based on the card No and the mail address which are added to the ordering. Then notification of balance for the prepaid card after the purchase of a commodity is sent to the mail address of the person ordering 1 for checking, after confirming that the current balance is larger than the amount of be paid. Then the payment of the prepaid card is assured at the destination 2, when the relevant commodity is delivered. Thus, electronic settlement of accounts is carried out safely in a network by means of an electronic mail address and an electronic money prepaid card. International class (IPC 1-7): G06F17/60 G06F19/00 G07F17/40 G07F19/00 Publication date Application number 19970916 Application
Publication number date JPll086132 Priority:
A2 19990330 JP19970249243 JP19970249243 19970916

C W L KK
Assignee(s): (std): Inventor(s):
SASAKI TAKAO

CHARTERED PATENT ATIORNEYS TRADE MARKATIORNEYS ESTABLISHED 1884
Patents
Trade Marks
Designs
Copyright
LEWIS, Donald 19 Deansway Edmonton London N99TX
FORRESTER HOUSE 52 BOUNDS GREEN ROAD LONDON Nll 2EY

Telephone +44 (0)20-8889 6622 Fax (Gr 3) +44 (0)20-8881 1088 (Gr 4) +44 (0)20-8889 0131 E-mail fklondon@forresters.co.uk
Your ref
Ourref
Date
CXLlLE0004 Dear Sir / Madam, Re:Our Terms of Business
08 May 2006
Recently we wrote to you providing you with two copies of our Terms of Business and requesting that the appropriate copy be signed and returned to us to indicate that you accept-them. We do not appear to have received the signed copy from you. We should be grateful if you could forward the signed copy of the Terms of Business to us as soon as possible. YOUrsfaithf~c-L.t ~ & Co. ~
F~e~\;-ketley
Also at 6TH FLOOR, 105 PICCADILLY, LONDON W1J 7NJ CHAMBERLAIN HOUSE, PARADISE PLACE, BIRMINGHAM B3 3HP Tel: +4410)20.88896622 Fax: +44 (0)2088890131 Tel: +44 (0) 121236 0484 Fax: +44 (0) 121233 1064 J D Brown BSc CPA RTMA N H Frankland BSc CPA RTMA 0 J Lucking BSc CPA RTMA MITMA J V Cowshall BSc CPA S J Wake BSc CPA RTMA MITMA D M Wardley BSc PhD CPhys MlnstP CPA RTMA MITMA L D C Hearten BEng CPA K Richardson MA Cantab CPA M N Shaw BSc CPA S J Leno RTMA MITMA RA Lockey BSc PhD AMlnstP CPA S J Parry BEng CPA AT S BeaUie MSci CPA R T Walker MSc CPA A C Lawson MA DPhil Oxon CPA Associates: J C Carstairs M Tew LLB (Hons) LLM Administration
Manttgcrs: TA
BSc CPA G M Dodd BSc CPA M T Barton BSc PhD MRSC RPA Baxtcr
(Binningh;ull) K
C Lobban BSc PhD CPA MITMA S J Forr es ter MSci RPA

AIAB
M 0 Henley BA (Oxon) TMA MITMA
S J Lane BSc LLB RTMA MITMA VAT Registration No. GB-11 0 024258
Iohnson MIPPM(Oil')
(pr (london)
Finance
Miln<lJ.,ocr:
PA
Sargent
FCCA
FMMT
IT Milnilgcr: C Hughes BSc(Hons) Website:
Records:J S Emery
Consultants: A L Meddle BSc CPA RTMA C Cook RTMA FITMA Representation at the European Patent Office FORRESTER & BOEHMERT
www.Iorresters.co.uk
Pettenkoferstrasse 20-22
D80336
Munchen

CHARTERED PATENT ATIORNEYS TRADE MARKATIORNEYS
ESTABLISHED 1884
Patents Donald Lewis 19 Deansway Edmonton London N99TX
Trade Marks
Designs
Copyright CHAMBERLAIN HOUSE PARADISE PLACE BIRMINGHAM B33HP ENGLAND

Telephone +44 (0)121-2360484 Fax +44 (0)121-2331064 E-mail fkbham@forresters.co.uk
Our ref
Your ref
Date
VSA/CC Dear Sir or Madam Re: Overdue invoice
LE0004
4th July 2006
We enclose for your attention your most recent statement point out the following invoices remain outstanding. 5519106
of account and would like to
We kindly request payment is made to bring the account up to date. If you should undersigned. have any further queries regarding this account please contact the
Yours sincerely Forrester Ketley & Co
Valerie Aldridge Credit Control vmartin@forresters.co.uk
Also at 6TH FLOOR, 105 PICCADILLY, LONDON W1J 7NJ Tel: +44 (0)208889 6622 Fax: +44 (0)2088890131 J 0 Brown BSc ePA RTMA N H Frankland BSc ePA RTMA 0 J Lucking BSc ePA RTMA MITMA OM Wardley BSc PhD ePhys MlnstP ePA RTMA MITMA L 0 e Hoarton BEng ePA K Richardson R A Lockey BSc PhD AMlnstP ePA S J Parry BEng ePA A T S BeaUie MSci ePA R T Walker MSc ePA Associates: J e Carstairs M Tew LLB (Hons) LLM
Administration
FOR RESTER HOUSE, 52 BOUNDS GREEN ROAD, LONDON Nll 2 EY Tel: +44 (0)20-8889 6622 Fax: +44 (0)2088890131 J V Gowshall BSc ePA S J Wake BSc ePA RTMA MITMA MA Cantab ePA M N Shaw BSc ePA S J Leno RTMA MITMA A e Lawson MA DPhil Oxon ePA S J Lane BSc LLB RTMA MITMA VAT Registration No. GBl 10 024258
BSc ePA GM Dodd BSc CPA M T Barton BSc PhD MRSe RPA
TA
C Lobban BSc PhD ePA MITMA S J Forrester MSci RPA
M D Healey BA (Oxon) TMA MITMA
Manahrers:
Baxter
(Birmingham)
K Johnson
MIPPM(Oip)
AIAB
Ipf (London)
Finance Manager:
P A Sargent
FCCA
FMM T
IT Manab,rer: C Hughes
BSc (Hons)
Records:
S Emery
Consultants: A L Meddle Representation
BSc ePA RTMA
C Cook RTMA FITMA FORRESTER & BOEHMERT Pettenkoferstrasse 2022 080336 MOnchen
Website:
www.forresters.co.uk
at the European Patent Office
..
FORRESTER KETLEY & CO STATEMENT

Statement to:Donald Lewis 19 Deansway Edmonton London N99TX
CHAMBERLAIN HOUSE PARADISE PLACE BIRMINGHAM B33HP ENGLAND

Telephone Fax E-mail Account No. Date
+44 (0)121-236 0484 +44 (0) 121-233 1064
fkbham@forresters.co.uk
LE0004 30106/2006
Date 25/05/2006
Invoice No 5519106FK
Job No M031784
t Client
Reference
Curr GBP
Total 470.00
4 Months +
GBP 0.00
3 Months
0.00
2 Months
0.00
1 Month
470.00
Current
0.00
Total Balance
470.00
Please remit your payment to the bank account specified on your invoices.
Page: 1
-------

CHARTERED PATENT ATIORNEYS TRADE MARKATIORNEYS
ESTABLISHED 1884
Patents
Trade Marks
Designs
Copyright
Mr. Donald Lewis 19 Deansway Edmonton London N99TX
CHAMBERLAI N HOUSE PARADISE PLACE BIRMINGHAM B33HP ENGLAND

Telephone
Fax
E-mail
Your ref Date
+44 (0)121-236 0484 +44 (0)121-2331064 fkbham@forresters.co.uk
Our ref
VSNCC Dear Sir Re: Overdue Invoice
LE0004
2nd August 2006
Please find enclosed a copy of your most recent statement. correspondence and as yet have had no reply.
We refer to our previous
We would like to draw your attention to the overdue invoices which are now considerably overdue and we would appreciate prompt payment. Should you require vmartin@forresters.co.uk Yours faithfully Forrester Ketley & Co any further assistance please contact me via email
ul
Also at 6TH FLOOR, 105 PICCADILLY, LONDON W1) 7NJ Tel : +44 (0)208889 6622 Fax: +44 (0)2088890131 ) 0 Brown BSc CPA RTMA N H Frankland BSc CPA RTMA D) Lucking BSc CPA RTMA MITMA OM Wardley BSc PhD CPhys MlnstP CPA RTMA MITMA l 0 C Hoarlon BEng CPA K Richardson RA lockey BSc PhD AMlnstP CPA S) Parry BEng CPA AT S Bealtie MSd CPA R T Walker MSc CPA Associates:) C Carstairs M Tew LLB (Hons) LLM Administration Consultants: Representanon BSc CPA CM Dodd BSc CPA M T Barlon BSc PhD MRSC RPA K Johnson C Cook C Lobban BSc PhD CPA MITMA 5) Forrester MSci RPA Finance Manager:
FORRESTER HOUSE, 52 BOUNDS Tel : +44 (0)208889
GREEN ROAD, LONDON N11 2EY 6622 Fax: +44 (0)2088890131
) V Cowshall BSc CPA S) Wake BSc CPA RTMA MITMA MA Cantab CPA M N Shaw BSc CPA S) leno RTMA MITMA A C Lawson MA DPhil Oxon CPA S) Lane BSc LLB RTMA MITMA VAT Registration No. GB-11 0 024258 Records: J 5 Emery
Man<lgcrs: TA Baxter (Birmingham) A L Meddle BSc CPA RTMA Patent Office
MIPPM(Dip) AIAB Ipf (London)
P A Sargent FCCA FMMT
IT Manager: G Hughes BSc (Hons) Website:
RTMA FITMA Pettenkoferstrasse 2022 D80336 Munchen
www.forresters.co.uk
at the European
FOR RESTER & BOEHMERT
1.1
FORRESTER I<ETLEY & CO STATEMENT

Statement to:Donald Lewis 19 Deansway Edmonton London N99TX
CHAMBERLAIN HOUSE PARADISE PLACE BIRMINGHAM B3 3HP ENGLAND

Telephone
Fax
E-mail Account No. Date
+44 (0)121-236 0484 +44 (0)121-2331064
LE0004
31/07/2006
Date 25105/2006
Invoice No 5519106FK
Job No M031784
Client Reference
Curr GBP
Total 470.00
4 Months +
GBP 0.00
3 Months
0.00
2 Months
470.00
1 Month
0.00
Current
0.00
Total Balance
470.00
Page: 1

CHARTERED PATENT ATIORN EYS TRADE MARK ATTORNEYS ESTABLISHED 1884
Patents
Trade Marks
Designs
Copyright
Mr. Donald Lewis 19 Deansway Edmonton London N99TX
CHAMBERLAI N HOUSE PARADISE PLACE BIRMINGHAM B33HP ENGLAND

Telephone
Fax
E-mail
Your ref Date
+44 (0)121-236 0484 +44 (0)121-233 1064 fkbham@forresters.co.uk
Our ref
VSNCC Dear Sir
LE0004
4th September 2006
FINAL REMINDER Despite our previous correspondence your account remains unpaid. We enclose a copy of your statement of account still showing our May 2006 invoice of 470.00 outstanding. If payment is not received within 7 days from the date of this letter we will have no option but to consider taking more formal steps to recover monies due.
Please note no further notification will be given before any action is taken.
Yours faithfully Forrester Ketley & Co
Also at 6TH FLOOR, 105 PICCADILLY, LONDON W1J 7NJ Tel: +44 (0)208889 6622 Fax: +44 (0)2088690131 J D Brown BSc CPA RTMA N H Fr.nkland BSc CPA RTMA DJ Lucking BSc CPA RTMA MITMA D M W.rdley BSc PhD CPhys MlnstP CPA RTMA MITMA L D C Hoarton BEng CPA K Richardson RA Lockey BSc PhD AMI nstP CPA S J Parry BEng CPA AT S Beattie MSci CPA R T Walker MSc CPA Associates: J C Carstairs BSc CPA M T Barton GM Dodd BSc CPA C Lobban BSc PhD CPA MITMA S J Pcrrcster MSd RPA
FOR RESTER HOUSE, 52 BOUNDS Tel: +44 (0)20-6869
GREEN ROAD, LONDON N11 2EY 6622 Fax: +44 (0)20-6689 0131 BSc CPA RTMA MITMA S J Leno RTMA MITMA
J V Cowshall BSc CPA S J W.ke MA Cantab CPA M N Shaw BSc CPA A C tawson MA DPhil Oxon CPA
S J Lane BSc LLB RTMA MITMA

VAT Registration No. GB-110 Records: 024256
M Tew LLB (Hons) LLM
BSc PhD MRSC RPA
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Statement to:Donald Lewis 19 Oeansway Edmonton London N99TX
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Telephone Fax E-mail Account No. Date
+44 (0)121-236 0484 +44 (0)121-2331064
LE0004 31/08/2006
Date 25/05/2006
lnvolce No 5519106FK
_~0J> No
M031784
_ CJjent Reference _
_--..Curr
GBP
_ ..Iotal 470.00
4 Months +
GBP 0.00
3 Months
470.00
2 Months
0.00
1 Month
0.00
Current
0.00
Total Balance
470.00
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With Compliments

CHARTERED PATENT ATTORNEYS TRADE MARK ATTORNEYS ESTABLISHED 1884
Patents
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Our ref
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Please refer to the attached invoice. You might also find the attached Internet extract of interest.
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Press Releases
15th May, 2006
SNAP agreement with e-pay enables millions of shoppers to buy online for the first time
London - SNAP,the prepaid Internet payment card, announced today that it has signed an agreement with e-pay, the largest electronic payments processor of prepaid mobile airtime top-up services in the U.K. to make free SNAPcards and easy top-up services available at thousands of locations across the UK where e-pay terminals are installed. SNAPcards, which are topped up like prepaid mobile phone cards, now make it possible for all consumers to enjoy the advantages of shopping online - even those who do not have a credit or debit card, or do not want to use their credit card on the Internet. SNAPcards are distributed for free and users do not have to register. SNAP's new agreement with e-pay, the global leader in prepaid mobile airtime topup services, means that SNAPcards can be topped up on e-pay terminals in thousands of retail outlets and other locations across the country. Participating retail outlets with e-pay terminals will also hand out free SNAPcards to anyone who requests one. e-pay currently provides top-up services for Vodafone, 02, Orange, T-Mobile, Three Network and Virgin Mobile, among others. Research shows that half of all consumers do not shop online because they cannot, or will not, use credit cards. With online retail spending already set to reach 26 billion in the UK this year, and "digital inclusion" one of the most important issues of the Internet age, the arrival of SNAP's prepaid Internet shopping card is expected to have an explosive effect on the Internet retail industry. 'The beauty of SNAPis that everybody wins," said Erik Holst-Roness, Chief Executive of TeleGlobal, which developed SNAP."The kind of people who will benefit range from kids who want to down load music and games, to the thousands of families without credit cards, to people who don't want to put their credit details on the Internet or those who just want to make their online purchases private." He added, "And of course it's also a big benefit for online merchants who can now connect with an entirely new group of consumers without the fear of fraud or charge backs. SNAPcards will do for online shopping what prepaid phone cards did for the mobile phone industry." The agreement with e-pay follows another agreement announced last week between SNAPand securetrading, the UK's top independent Internet payment service provider. Under terms of that deal, thousands of online retailers already using securetrading's services will now be offered SNAPalongside credit and debit
http://www.snapcard.com/en_gb/news/pressreleases.html
15106/2006
\P Card I Simply the better way to pay
Page 1 of 1
III
SNAP in the News
Pre-pay cards for kids Thisismoney.co.uk - 21st May, 2006 (read this article) Credit card for Kids Femalefirst.co.uk - 18th May, 2006 (read this article) Top up a SNAP The Daily Record newspaper - 18th May, 2006 (read this article) Card launched for people without bank accounts The Western Mail newspaper - 17th May, 2006 (read this article) Mobile phone style topped up prepaid cards arrive in the UK Datamonitor - 17th May, 2006 (read this article) An Alternative To Credit Cards The Motley Fool - 17th May, 2006 (read this article) Pre-paid Internet payment card launched in the UK Finextra.com - 16th May, 2006 (read this article) Wider availability for online credit card alternative USwitch.com - 16th May, 2006 (read this article) New 'top-up' payment card launched ActSmart.biz - 16th May, 2006 (read this article) 'Top-up' payment card launched ChanneI4.com/4Money - 16th May, 2006 (read this article) 'Top-up' payment cards aimed at children 24dash.com - 15th May, 2006 (read this article) New prepaid credit card schemes could help curb spending Fair Investment Company - 15th May, 2006 (read this article) New card for those who have no credit The Times newspaper - 15th May, 2006 (read this article) SNAP agreement with e-pay enables millions of shoppers to buy on line for the first time Press release by TeleGlobal Ltd - 15th May, 2006 (read this press release) SNAP partnership with securetrading brings cash consumers to online retailers Press release by TeleGlobal Ltd - 9th May, 2006 (read this press release)
http://www.snapcard.com/en_gb/news.html
15/06/2006
ie
Page 2 of3
cards. "We are delighted to be partnering with e-pay and securetrading," said TeleGlobal chief Holst-Roness. "With these agreements now in place, we have made it possible for everyone, no matter what their age or credit circumstances, to enjoy the benefits of online shopping." Click here to download this press release [687k]
9th May, 2006

SNAP partnership with securetrading brings cash consumers to online retailers
London - SNAP, the prepaid Internet payment card, is enabling onlineretailers to increase sales by tapping into the hard to reach market of consumers who cannot, or will not, use a credit or debit card on theweb. SNAP, which today announces an agreement with payment serviceprovider securetrading, is expanding the boundaries of online shoppingwith its system of free cards and widely-available top-up points. For consumers who do not have a credit card, or do not want to usetheir card online, SNAP now makes it possible to enjoy all theadvantages of online shopping. "The beauty of SNAP is that everybody wins," said ErikHolst-Roness, Chief Executive of TeleGlobal, which developed SNAP. 'Thekind of people who will benefit range from kids who want to downloadmusic and games, to the thousands of families without credit cards, topeople who don't want to put their credit details on the Internet orthose who just want to make their online purchases private." He added, "And of course it's also a big benefit for onlinemerchants who can now connect with an entirely new group of consumerswithout the fear of fraud or charge backs. SNAP Cards will do foronline shopping what prepaid phone cards did for the mobile phoneindustry." SNAP Cards are as easy to use as mobile phone top-up cards. To loadup their free SNAP Card, users simply enter a shop displaying the SNAPlogo and tell the assistant how much money they want to load onto theircard. Then they hand the card and money over to the assistant, who will swipe the card through the payment terminal. Cardholders areimmediately ready to start shopping no registration is required. Once online, SNAP Cardholders can start shopping on any websitethat displays the bright blue SNAP logo. To make a purchase, userssimply go to the website's payment page, type in the SNAP Code shown ontheir card and their secret, personal PIN. That's it. The amount of thepurchase is then deducted from the balance on the card. It is quick and easy for online retailers to start accepting SNAPand thanks to a partnership with securetrading, the UK's leadingindependent Internet payment service provider, thousands of inlineretailers already using securetrading's services
http://www.snapcard.com/en_gb/news/pressreleases.html
15106/2006
dctitle
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Page 3 of3
will now be offerredSNAP alongside credit and debit cards. SNAP Cards feature a wide range of additional merchants. benefits for bothconsumers and
Cardholders can use their SNAP cards to transfer money to eachother by logging into the MySNAP section of www.snapcard.com. Andmerchants can take advantage of built-in marketing services like CardBranding and Special Offer Coupons. SNAP cards are currently being offered only in the UK, but will berolled out across Europe and then elsewhere around the world. Click here to down load this press release [668k]
http://wvvw.snapcard.com/en_gb/news/pressreleases.html
15/06/2006
icWales - Card launched for people without bank accounts
Page 1 of3
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A NEW-STYLE payment card aimed at children and people who do not have a bank account was launched today. The Snap card works in a similar way to pre-paid mobile phone cards, with people charging their card up with cash before using it to make payments. The cards are available from thousands of shops across the UK, including newsagents, supermarkets and petrol stations, and they can also be topped up at these locations. Once people have money on their cards they can use them to make purchases online at any internet site displaying the Snap logo. The cards are completely free and people do not have to register to have one, instead they simply pick up one of the cards and put money on to it.
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cards. 'We are delighted to be partnering with e-pay and securetrading," said TeleGlobal chief Holst-Roness. 'With these agreements now in place, we have made it possible for everyone, no matter what their age or credit circumstances, to enjoy the benefits of on line shopping." Click here to download this press release [687k]
9th May, 2006

SNAP partnership with securetrading brings cash consumers to online retailers
London - SNAP, the prepaid Internet payment card, is enabling onlineretailers to increase sales by tapping into the hard to reach market of consumers who cannot, or will not, use a credit or debit card on theweb. SNAP, which today announces an agreement with payment serviceprovider securetrading, is expanding the boundaries of online shoppingwith its system of free cards and widely-available top-up points. For consumers who do not have a credit card, or do not want to usetheir card online, SNAP now makes it possible to enjoy all theadvantages of online shopping. 'The beauty of SNAP is that everybody wins," said ErikHolst-Roness, Chief Executive of TeleGlobal, which developed SNAP. "Thekind of people who will benefit range from kids who want to downloadmusic and games, to the thousands of families without credit cards, to people who don't want to put their credit details on the Internet orthose who just want to make their online purchases private." He added, "And of course it's also a big benefit for onlinemerchants who can now connect with an entirely new group of consumerswithout the fear of fraud or charge backs. SNAP Cards will do foronline shopping what prepaid phone cards did for the mobile phoneindustry." SNAP Cards are as easy to use as mobile phone top-up cards. To load up their free SNAP Card, users simply enter a shop displaying the SNAPlogo and tell the assistant how much money they want to load onto theircard. Then they hand the card and money over to the assistant, who will swipe the card through the payment terminal. Cardholders areimmediately ready to start shopping - no registration is required. Once online, SNAP Card holders can start shopping on any websitethat displays the bright blue SNAP logo. To make a purchase, userssimply go to the website's payment page, type in the SNAP Code shown ontheir card and their secret, personal PIN. That's it. The amount of thepurchase is then deducted from the balance on the card. It is quick and easy for online retailers to start accepting SNAPand thanks to a partnership with securetrading, the UK's leadingindependent Internet payment service provider, thousands of inlineretailers already using securetrading's services
http://www.snapcard.com/en
_gb/news/pressreleases.htmJ
15106/2006
dctitle
J. .,....
Page 3 of3
--
will now be offerredSNAP alongside credit and debit cards. SNAP Cards feature a wide range of additional merchants. benefits for bothconsumers and
Cardholders can use their SNAP cards to transfer money to eachother by logging into the MySNAP section of www.snapcard.com. Andmerchants can take advantage of built-in marketing services like CardBranding and Special Offer Coupons. SNAP cards are currently being offered only in the UK, but will berolled Europe and then elsewhere around the world. Click here to download this press release [668k] out across
http://w\v\N.snapcard.com/en_gb/news/pressreleases.html
15106/2006
Finextra: Pre-paid Internet payment card launched in the UK
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A plastic.payment card ~hat can be loaded with funds at pay mobile top-up terminals and used to pay for purchas made via the Internet has been launched in the UK. TeleGlobal, the company behind the pre-paid Internet paymen card, called Snap, has inked a deal with Euronet subsidiary e-r make free Snap cards and top-up services available at location where e-pay terminals are installed, E-pay, - which is the largest electronic payments processor of paid mobile airtime top-up services in the UK - currently provic top-ups for Vodafone, 02, Orange, T-Mobiie, Three Network ar Virgin Mobile and its services are available at more than 100,0 points of sale (POS) in the UK.
STP Published: 16/05/2006 Researcl'l tools Advanced search Analysis Research Comment Case studies White papers
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Solutions sou rcing Finextra events EBAday Finexpo About Finextra About us Newsfeed RSS He says online merchants can now connect with an entirely ne' group of consumers without the fear of fraud or charge backs. The agreement with e-pay follows an earlier deal that TeleGlot inked with Internet payments firm securetrading. Under terms this deal, online retailers already using securetrading's service: now be offered Snap alongside credit and debit cards. Says Holst-Roness: "With these agreements now in place, we I made it possible for everyone, no matter what their age or ere circumstances, to enjoy the benefits of online shopping." Erik Holst-Roness, chief executive of TeleGlobal, says: "The kir people who will benefit range from kids who want to down load music and games, to the thousands of families without credit c to people who don't want to put their credit details on the Inte or those who just want to make their on line purchases private. TeleGlobal says its new Snap card will enable customers who c have a credit or debit card, or do not want to use their credit c on the Internet, to make on line purchases,
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15/0612006
icWales - Card launched for people without bank accounts
Page 2 of 3
People cannot spend more money than is already on the card, meaning they cannot get into debt through them or incur interest charges. Money can be transferred between cards remotely through mobile phones, enabling parents to top up cards for their children if they are away from home. TeleGlobal, the company behind the cards, said they were aimed at children and people without bank accounts who may want to buy things online, but did not have the means to do so. According to market analyst Datamonitor more than two million households in the UK do not have a current account or savings account, and half of the adult population does not have a cred it ca rd. Erik Holst-Roness, chief executive of TeleGlobal, said, "The big audience for downloading music is teens and young people, but they don't have a credit card to pay for it. "There is a huge disconnect between people who want to buy a product and people who want to sell it." The group has recently agreed a deal with mobile top-up company E-pay, which handles top-ups for 02, Orange, Vodafone and Virgin Mobile, enabling people to top up their Snap cards at any of the group's terminals.
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It also hopes that in future people will be able to use the cards like debit cards in shops.
TeleGlobal is the latest company to enter the pre-paid card market, with Advanced Payment Solutions and Bluecorner both offering cards backed by MasterCard Europe.
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TOP UP A SNAP
A new-style payment card aimed at children and people who don't have a bank account has been launched. The SNAP card works in a similar way to pre-paid mobile phone cards, with people charging their card up with cash before using it to make payments. The cards are available newsagents, supermarkets from shops across the UK including and petrol stations - and can be
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Published' 17 May 2006 Mobile phone style topped up prepaid the UK Teleglobal, the owner of prepaid card brand Snap, has struck a deal with E-pay which will enable the cards to be topped up at the same terminals that are used for prepaid mobile phone cards. The deal will make topping-up possible at thousands of locations across the UK and the free cards will also be available at E-pay outlets. Euronet subsidiary E-pay currently provides top-up services for Vodafone, 02, Orange, T-Mobile, Three Network and Virgin Mobile, among others. Teleglobal believes that the cards will enable those without credit or debit cards to join the "cashless society" and have a huge effect on internet retail. "The beauty of Snap is that everybody wins," said Erik Holst-Roness, Teleglobal's chief executive "The kind of people who will benefit range from kids who want to down load music and games, to the thousands of families without credit cards, to people who don't want to put their credit details on the internet or those who just want to make their online purchases private." The agreement with E-pay follows another agreement announced recently between Snap and Securetrading, the internet payment service provider. Under terms of that deal, thousands of online retailers already using Securetrading's services will now be offered Snap alongside credit and debit cards. Source: Datamonitor cards arrive in
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CHARTERED PATENT ATTORNEYS TRADE MARK ATTORNEYS ESTABLISHED 1884

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C Cook RTMA FITMA FORRESTER& BOEHMERT Pettenkoferstrasse 2022 080336 Munchen

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Provisional application No. 60/282,382, filed on Apr. 6,2001.

/ Acquire card, secret pin number.

Prompt entry of secret pin number , to activate card.

104 110 106

Patent Application Publication

Oct. 10, 2002 Sheet 1 of 4

Acquire card, secret pin number.

secret pin number to activate card.

Patent Application Publication

Oct. 10,2002 Sheet 2 of 4

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Request purchase of goods or services offered through web-site.

Input card pin number.

Denied for improper pin, or insufficient funds.

Purchase approval granted.

Delivery address provided to web-site seller, purchased concluded.

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