200404242 玖、發明說明： 【發明.所屬之技術領域】 本發明係說明卡片支付系統。尤其，本發明係說明以— 動態貨幣轉換及/或多元貨幣計畫處理支付卡交易之系统 及方法。 【先前技術】 有許多種卡片支付系統可供利用，例如包含信用卡、簽 帳卡及轉帳卡。一般而言，係以該商家貨幣來處理涉及一 卡片支付的交易。如是，如在美國使用一愛爾蘭的信用卡 買東西時’該交易貨幣很可能是用美金。其後，該信用卡 卡主的銀行會將該交易價格轉換成一等值的歐元價格。然 而該歐元價格對該銷售點而言係未知的。隨後，該等值的 歐元價格會顯現在該信用卡卡主的清單上。這樣的限制對 在國外旅遊的持卡人而言可係不方便的，因銷售發生時、 他們不確定其在銷售點確切交易的本國貨幣價格。 ^該客卢使用其支付卡購物時，動態貨幣轉換即藉由在 孩銷售點上轉換貨幣、以克服該等限制。於W001/0486中說 明一動態貨幣轉換系統的一實例。藉由動態貨幣轉換處 理、以於該持卡人購物之際通知他其所支付的本國貨幣金 額’而孩商家則取得其本國貨幣的支付。因係在該銷售點 、、端機、而非該持卡人持有其信用卡帳戶之銀行的電腦系 統中執行’’該商家貨幣轉換成該持卡人貨幣”的功能，故該 處理係可能的。就本應用而論，該術語”銀行”通常意指任 ^可t融機構’其中提供支付卡服務，且據瞭解包含例如建 86669 200404242 屋互助會和存款互助會。 除了動態貨幣轉換計畫以外，多元貨幣計畫亦運作以於 將該等交易紀錄提交該等銀行處理之前、先對該交易執行 该負幣轉換邵分。然而，於一多元貨幣計畫中，該轉換處 理未必在该銷售點或於該銷售時發生’而是之後才轉換的。 該等商家處理支付卡交易，及將該等交易提交該等金融 機構或一中介機構、作為交易紀錄。每一交易都有一含有 m叉易細節的相關聯交易紀錄。在尚未將動態貨幣轉換引 _ 進支付卡交易中時，擷取一筆交易紀錄要沿著圖丨中所示的 交易ΠΑ0"逐行去看。 各家銀行所使用的確切欄位和欄位格式可因銀行而異。 簡吕之’該等欄位的資料識別該交易日期、該支付卡持有 人的姓名、該支付卡卡號、該支付卡屆滿日期、執行該交 易的商家名稱、執行該交易的商家代碼、及該交易金額。 隨著動態貨幣轉換交易的引進，故需另外，，抓取，，若干欄 位。於圖2的交易，，Β0”中說明”在一動態貨幣轉換環境下擷鲁 取一代表性交易紀錄”。該等欲另外抓取的欄位包括該交易 的轉換貨幣元素，其中可包含轉換成該持人支付卡帳戶貨 幣的轉換金額’及其中該持卡人能於其清單上看到該轉換 金额和用Μ執行該轉換的率。亦可要求該持卡人的貨幣。 ^專、先上來說典型地係經由該商家的收單銀行來處理正 :父易（僅用該商家的貨幣所處理的交易，^圖1中說明一 實例）；然而可將該等動態貨幣轉換交易與該等正常交易分 開’且可按規定路線將該等動態貨幣轉換交易遞送給一動 86669 200404242 態貨幣轉換系、统，其中該等動態貨幣轉換交 傳輸到該等卡片計畫中（盥哕收 ’、又丨被 一多元貨幣支付卡處理銀行或其它的規定料 等二^ 態貨幣轉換交易、使回到該收單銀行及/或該商家。H 貨幣支付卡處理銀行為—能夠以多種貨幣處理來自商家支 付卡3^的銀行。可由—銷售點（PQS)裝置來操縱該分開功 能，其中將正常及/或轉換交易派送給一第一主機、及將正 常及/或轉換的交易派送給另—個主機或其它多個主機。一 收單銀及/或第三方主機、健器、或交換裝置及/或其它任 何適當的分開裝置亦可於該P0S裝置前、該p〇s裝置及/或 該POS裝置後執行該分開功能。 為使該收單銀行及/或其它第三方支付該商家、及/或將該 關於商豕所有父易的清單提供給該商家（而非兩個獨立的 正規支付及/或兩個獨立的清單），需以某種方式合併該等正 吊和動怨貨幣轉換交易。如是，為了結清該收單銀行與該 商家間的帳戶，同時結清該收單銀行對該商家的清單及/或 居商豕被扣除和應支付給該收單銀行的相關卡片計畫商家 服務費，故可將該等動態貨幣轉換交易的一，，鬼影交易，，合 併/傳送到該收單銀行或其它第三方的主機中。然而，為了 防止忒持卡人借方發生，，重複記載兩次，，的情況，故不可將 癌等’’鬼影複製”交易和該等正常的交易一起處理到該等卡 片冲畫裡。如是，除了要修正該收單銀行及/或第三方的相 關會計以外，尚須修正其主系統。 因該等收單銀行須修訂其電腦系統來處理該分開/合 86669 200404242 併、以便分別將—清單和支付/清償提供給該商家，故對有 興趣利.用動態貨幣轉換服務的收單銀行造成-重大困難。 為了促進動態貨幣轉換服務，故需將大量的電腦代碼重 在$亥寺銀行的電腦系統上。 如疋賴很户銀仃看起來似乎都想要提供動態貨繁轉 換支付卡設施，然而由於要轉換電腦資源（常常很難找；且 於某些情況下、須在前幾年事先預購），使得該建議變得不 具吸引力。此外’須與現行的銀行電职系統/程序相介面 亦為銀行極其不願冒險的事情。 與”軟體屬於設置在該等商家位置、甚或一中間主機之支 付卡終端機”的情況相對照下，此極易於配置獨立的資源以 修訂該等支付卡終端機或一中間主機的軟體。當對該等支 付卡終端機亦或一中間主機的軟體作任何變更時，都不可 能會與該收單銀行的主電腦作業相介面。 因此，本發明的一個目地為提供一種實現一轉換支付卡 叉易性能之方法，其中不須變更該等收單銀行的主電腦系 統0 【發明内容】 因此，本發明一第一具體實施例提供一種用以實現一第 一商家與一第一支付卡持有人間、一用一第一貨幣之第一 父易金额其支付卡交易性能的方法，其中該方法包括以下 步驟： a)於該第一商家與一第二持卡人間產生該第一交易金額 的一第一支付卡交易紀錄； 86669 -10 - 200404242 b) 於一第二商家與該第一持卡人間產生一第二支付卡交 易紀錄·，其中該第二交易紀錄識別一用一第二貨幣之第二 交易金额，及其中該第二交易金額等同該第一交易金额轉 換成該第二貨幣的金额；及 c) 將该弟父易紀錄和该弟二X易紀錄提交、並處理成支 付卡叉易。 因該第一持卡人實際上已被該第一交易紀錄中的一第二 持卡人取代了，故隨後當一動態貨幣轉換營辦人處理該第 二交易時、並不會導致該第一持卡人的借方發生，，重複記載 兩次"的情況。如是，則不須重寫一收單銀行的軟體來避免 諸如前述的”重複記載兩次借方”。同樣地，就經辦該商家 所處理叉易的收單銀行及/或該商家的觀點來看，則不須為 了合併及/或計算該商家的服務費而引進及/或接收鬼影交 易時去修訂該等收單銀行的系統。 珣豕相關聯 可使該第二持卡人與該第 提交該第-交易紀錄和該第二交易紀錄供處理之步驟可 。括以下步驟.提又該第一交易紀錄、用以處理成一不轉 換支付交易。提交該第一交 > 、 人易、，、己錄和孩弟二叉易紀錄供處 理之步騾可包括以步 ^, 卜，騍.捻父孩第二交易紀錄、用以處 理成一轉換支付交易。 j者，本發明可包括以下額外步驟：於該第二持卡人 商家間、產生-用該第-貨幣之金额的一第三支 以（W一金類），，；及提交該 乂易供支付處理。可提交該第三交易作為一不轉換支 86669 -11 - 200404242 卡交易。 該第.三交易紀錄的優點為其有效地抵消相應於該第二持. 卡人的該第一交易紀錄。如是，則不需更正該第二持卡人 帳戶的帳戶餘额。 該方法可包括下面的啟始步騾：在執行該等產生該等一 筆或多筆交易紀錄的步驟之前、先判定一交易是否為一動 態貨幣可轉換交易。 該方法可包括下面的啟始步騾：接收一第一商家與一第 一支付卡持有人間一用一第一貨幣之第一交易金額的一支 付卡交易指示。 该方法可包括以下步驟：將該等第一、及/或第二、及/ 或第二又易登入該與一收單銀行相關聯之電腦系統中。 本發明亦提供一調適成實現一支付卡交易性能之系統， 其中該系統包括： 用以接收一第一商家與一第一支付卡持有人間、一用一 第一貨幣之第一交易金额的一交易細節之裝置； 用以於該第一商家與一第二持卡人間產生該第一交易金 額的一第一支付卡交易紀錄之裝置； 用以於一弟一商家與該第一持卡人間產生一第二支付卡 交易紀錄之裝置，其中該第二交易紀錄識別一用一第二貨 幣之第二交易金額，及其中該第二交易金額等同該第一交 易金额轉換成该弟二貨幣的金額；及 用以將產生出來的交易紀錄提交一主機、並處理成支付 卡交易之裝置。 86669 -12- 200404242 可將該用以提交產生出來的交易紀錄之裝置適當地調適 成’’提交該第一交易紀錄、並處理成一不轉換支付交易。-可將該用以提交產生出來的交易紀錄之裝置適當地調適成. ’·提交該第二交易紀錄、並處理成一轉換支付交易”。 或者，該系統可包括’’用以於該第二持卡人與該第二商家 間、產生一用該第一貨幣之金額的一第三支付卡交易紀錄” 和’’用以提交該第三交易供支付處理’’之裝置，其中該金額 為該第一金額）”。可將該用以提交產生出來的交易紀錄 _ 之裝置適當地調適成π提交該第三交易紀錄、並處理成一不 轉換支付交易’’。 該系統可包括以下裝置：用以在執行該等產生該等一筆 或多筆交易紀錄的步騾之前、先判定一交易是否為一動態 貨幣可轉換交易。 於一具體實施例中，該系統包括一支付卡終端機。於該 具體實施例中，該用以接收一用一第一貨幣之第一交易金 额的交易細節之裝置包括該終端機的資料輸入裝置，例如 ® 包含智慧卡閱讀機、磁條閱讀機及辅助键盤。該用以接收 細節之裝置包含’’用以自該終端機記憶體中擷取該商家細 節之裝置’’。於一終端機中，可利用適當的軟體常式執行該 用以產生該等第一和第二支付交易紀錄之裝置。可將該等 第二商家和持卡人的細節適當地儲存在該終端機記憶體 中，及藉由當產生第一和第二支付交易紀錄時該、需要用 以產生該等第一和第二支付交易紀錄之裝置來擷取該等細 即 〇 86669 -13 - 200404242 於一具體實施例中，該系統包括一中間主電腦系統，其 中將該·中間主電腦系統調適成接收一支付卡終端機或其它-裝置之支付交易紀錄，及經由選擇的途徑遞送該等支付交* 易紀錄、並處理成轉換亦或不轉換交易。於該具體實施例 中，該用以接收該交易細節之裝置包括”用以接收交易紀錄 之裝置”。可將該用以產生該第一支付卡交易紀錄之裝置和 該用以產生該第二支付卡交易之裝置執行成軟體常式。該 主機可為一收單銀行的主機、一多元貨幣銀行的主機、一 中間主機、或其它任何主機。此外，一收單銀行及/或一多 7L貨幣銀行可為同一個人或完全不同的人，即於該收單銀 行和多元貨幣（及/或它/它們的主機）中，該同一銀行或兩個 不同銀行内可為一個實體、兩個獨立的實體。 可從下面的聲言和說明中察知其它有利的具體實施例。 【實施方式】 意欲將本發明用於一 >>^片支付系統内；且特定言之，與 轉換父易一起使用。圖3中所例證說明之一代表性計畫包括 右干銷售點（POS)終端機裝置丨。將該等終端機裝置丨調適成 執行支付卡交易。每一裝置係與一商家相關聯。於該所示 <代表性架構中，一中間主機2充當該等POS裝置與該等銀 行支付處理系統/貨幣轉換計畫間的一介面。 傳統上，支付卡交易係當一持卡人於該銷售點提交一支 付卡購物時所啟始的。操作該？〇3裝置的商家傳統上經由 一POS裝置上的一磁條閱讀機來刷卡，並接著利用一辅助 鍵盤輸入該交易金额。其它執行卡片交易的方法為該技藝200404242 发明, Description of the invention: [Invention. Technical Field of the Invention] The present invention describes a card payment system. In particular, the present invention describes a system and method for processing payment card transactions with-dynamic currency conversion and / or multi-currency plans. [Prior Art] There are many types of card payment systems available, including, for example, credit cards, debit cards, and debit cards. Generally speaking, transactions involving a card payment are processed in the merchant's currency. If so, when using an Irish credit card to buy something in the United States, the transaction currency is likely to be in US dollars. Thereafter, the credit card owner's bank converts the transaction price into an equivalent euro price. However, the euro price is unknown to the point of sale. The equivalent euro price will then appear on the credit card owner's list. Such restrictions can be inconvenient for cardholders traveling abroad, as they are not sure of the exact domestic currency price of the transaction at the point of sale when the sale occurs. ^ When the customer uses his payment card to make purchases, dynamic currency conversion overcomes these restrictions by converting currency at the child's point of sale. An example of a dynamic currency conversion system is described in W001 / 0486. Through dynamic currency conversion processing, the cardholder is notified of the amount of domestic currency he has paid while shopping, and the merchant receives payment in his own currency. The processing is possible because the function of "converting the merchant's currency to the cardholder's currency" is performed in the computer system of the point of sale, terminal, and not the bank where the cardholder holds his credit card account. For the purposes of this application, the term "bank" generally means any financial institution that provides payment card services, and is understood to include, for example, 86669 200404242 House Mutual Aid and Deposit Mutual Aid. In addition to dynamic currency conversion programs The multi-currency plan also operates to perform the negative currency conversion on the transaction before submitting the transaction records to the banks for processing. However, in a multi-currency plan, the conversion processing may not The point of sale may occur at the time of the sale, but is converted later. These merchants process payment card transactions and submit these transactions to these financial institutions or an intermediary institution as a transaction record. Each transaction has a value containing m For details of the related transaction records of Forex. Before dynamic currency conversion has been introduced into payment card transactions, to retrieve a transaction record, follow the transaction shown in Figure 丨. ΠΑ0 " Go line by line. The exact fields and field formats used by each bank may vary from bank to bank. Jian Luzhi 'information on these fields identifies the transaction date, the name of the payment card holder, The payment card number, the expiration date of the payment card, the name of the merchant who executed the transaction, the merchant code that executed the transaction, and the transaction amount. With the introduction of dynamic currency conversion transactions, it is necessary to additionally, capture, and several columns Position. In the transaction of Fig. 2, "B0" illustrates "retrieving a representative transaction record under a dynamic currency conversion environment." These additional fields to be captured include the conversion currency element of the transaction, which may include the conversion amount converted into the currency of the cardholder ’s payment card account, and where the cardholder can see the conversion amount and The rate at which this conversion is performed with M. The cardholder's currency can also be requested. ^ Specifically, first, it is typically processed through the merchant's acquiring bank: Father Yi (transactions processed using only the merchant's currency, ^ an example is illustrated in Figure 1); however, such dynamic currencies can be used The conversion transaction is separated from these normal transactions' and the dynamic currency conversion transactions can be delivered to a mobile currency conversion system and system in accordance with the prescribed route, where these dynamic currency conversion transactions are transmitted to these card plans (washing "Receiving", and a multi-currency payment card processing bank or other prescribed materials, etc., to return to the acquiring bank and / or the merchant. H currency payment card processing bank is-able Banks from merchant payment cards 3 ^ are processed in multiple currencies. This separate function can be manipulated by a point-of-sale (PQS) device, where normal and / or conversion transactions are sent to a first host and normal and / or conversion The transaction is distributed to another host or other hosts. An acquirer and / or third-party host, device, or exchange device and / or any other suitable separate device can also be placed in front of the POS device. The p0s device and / or the POS device perform the separate function. In order for the acquiring bank and / or other third parties to pay the merchant, and / or provide the merchant with a list of all patrons to the merchant (Rather than two separate formal payments and / or two separate lists), some combination of such forward and rebuffing currency conversion transactions is required. If so, in order to settle the settlement between the acquiring bank and the merchant Account and settle the list of the acquiring bank to the merchant and / or the residence card is deducted and the relevant card payable to the acquiring bank plans the merchant service fee, so one of the dynamic currency conversion transactions can be ,, ghost transaction, merge / transmit to the host of the acquiring bank or other third party. However, in order to prevent the cardholder debit from happening, the situation is repeated twice, so you ca n’t add cancer, etc. ' The "ghost copy" transaction is processed into these card drawings together with these normal transactions. If so, in addition to the relevant accounting of the acquiring bank and / or third parties, the main system must also be amended. Waiting for acquiring bank to Revise its computer system to handle the split / int 86669 200404242 and to separately provide-list and payment / settlement to the merchant, so it is of interest to the acquirer. Acquiring banks using dynamic currency conversion services create significant difficulties. To facilitate Dynamic currency conversion services, so a large amount of computer code needs to be focused on the computer system of the Bank of Haihe Temple. It seems that Lai Lai is a householder who wants to provide dynamic payment conversion facilities, but because of the need to convert computers Resources (often difficult to find; and in some cases, pre-purchase in previous years) make this proposal unattractive. In addition, the interface to the current banking e-service system / procedure is also extremely difficult for the bank. Unwilling to take risks. In contrast to "software belonging to payment card terminals located in such merchant locations, or even an intermediate host", this is extremely easy to configure independent resources to modify such payment card terminals or An intermediate host's software. When any change is made to the software of these payment card terminals or an intermediate host, it will not be possible to interface with the host computer operation of the acquiring bank. Therefore, an object of the present invention is to provide a method for realizing the easy performance of a conversion payment card fork, wherein the host computer system of the acquiring bank is not required to be changed. [Summary] Therefore, a first specific embodiment of the present invention provides A method for realizing the performance of a payment card transaction between a first merchant and a first payment card holder, and a first transaction amount in a first currency, wherein the method includes the following steps: a) in the first A first payment card transaction record for the first transaction amount generated between a merchant and a second cardholder; 86669 -10-200404242 b) a second payment card transaction is generated between a second merchant and the first cardholder Record ·, wherein the second transaction record identifies a second transaction amount in a second currency, and wherein the second transaction amount is equal to the amount of the first transaction amount converted into the second currency; and c) the brother Father Yi records and the brother X Yi records are submitted and processed into payment card fork Yi. Because the first cardholder has actually been replaced by a second cardholder in the first transaction record, a subsequent subsequent transaction by a dynamic currency conversion operator will not cause the first cardholder The cardholder's debit occurred, and the situation was repeated twice ". If so, it is not necessary to rewrite the software of an acquirer bank to avoid such things as the aforementioned “double debiting”. Similarly, from the point of view of the acquiring bank handling the transaction by the merchant and / or the merchant, it is not necessary to introduce and / or receive ghost transactions in order to consolidate and / or calculate the service fee of the merchant. To revise the systems of these acquiring banks.珣 豕 Associated The steps of enabling the second cardholder and the first to submit the first transaction record and the second transaction record for processing are available. The following steps are included. The first transaction record is retrieved for processing into a non-convertible payment transaction. The steps to submit the first transaction & ren, yi ren, ji, jilu, and sibling binary fork record for processing 骡 may include steps ^, bu, 骒. Twist father and child second transaction record for processing into a conversion Payment transaction. j, the present invention may include the following additional steps: generating a third branch of the amount of the second currency (the W-gold) between the second cardholder merchant, and submitting the transaction For payment processing. This third transaction can be submitted as a non-switching payment 86669 -11-200404242 card transaction. The advantage of the third transaction record is that it effectively offsets the first transaction record corresponding to the second cardholder. If so, there is no need to correct the account balance of the second cardholder account. The method may include the following initial steps: Before performing the steps of generating the one or more transaction records, determine whether a transaction is a dynamic currency convertible transaction. The method may include the following initial steps: receiving a payment card transaction instruction of a first transaction amount in a first currency between a first merchant and a first payment card holder. The method may include the following steps: the first, and / or the second, and / or the second are easily logged into the computer system associated with an acquiring bank. The present invention also provides a system adapted to realize the performance of a payment card transaction, wherein the system includes: a system for receiving a first transaction amount between a first merchant and a first payment card holder in a first currency; A device for transaction details; a device for generating a first payment card transaction record of the first transaction amount between the first merchant and a second cardholder; a device for a brother and a merchant with the first card A device for generating a second payment card transaction record on the earth, wherein the second transaction record identifies a second transaction amount in a second currency, and wherein the second transaction amount is equal to the first transaction amount and converted into the second currency And the device used to submit the generated transaction record to a host and process it into a payment card transaction. 86669 -12- 200404242 The device for submitting the generated transaction records can be appropriately adapted to be used to submit the first transaction record and processed into a non-converting payment transaction. -The device for submitting the generated transaction record may be appropriately adapted. '· Submit the second transaction record and process it into a conversion payment transaction.' Alternatively, the system may include `` for the second A device that generates a third payment card transaction record between the cardholder and the second merchant in the amount of the first currency "and` `to submit the third transaction for payment processing '', where the amount is The first amount) ". The device used to submit the generated transaction record_ can be appropriately adapted to submit the third transaction record and processed into a non-converting payment transaction". The system may include the following devices: It is used to determine whether a transaction is a dynamic currency convertible transaction before executing the steps that generate the one or more transaction records. In a specific embodiment, the system includes a payment card terminal. In this embodiment, the device for receiving transaction details of a first transaction amount in a first currency includes a data input device of the terminal, for example, ® includes a smart card reader Reader, magnetic stripe reader and auxiliary keyboard. The device for receiving details includes `` device for retrieving details of the merchant from the terminal memory ''. In a terminal, it is possible to use appropriate The software routine executes the device used to generate the first and second payment transaction records. The details of these second merchants and cardholders can be appropriately stored in the terminal memory, and by When generating the first and second payment transaction records, the device that is used to generate the first and second payment transaction records is required to retrieve the details, namely 8686669 -13-200404242. In a specific embodiment, the system Including an intermediate host computer system, wherein the intermediate host computer system is adapted to receive payment transaction records of a payment card terminal or other device, and to deliver such payment transaction records through selected channels, and process them into conversions Or the transaction may not be converted. In this specific embodiment, the device for receiving the details of the transaction includes a "device for receiving a transaction record". The device may be used to generate the first payment card transaction record The device and the device for generating the second payment card transaction execute a software routine. The host may be a host of an acquiring bank, a host of a multi-currency bank, an intermediate host, or any other host. In addition, An acquiring bank and / or a 7L currency bank can be the same person or completely different persons, that is, in the acquiring bank and the multi-currency (and / or its / their host), the same bank or two different banks There can be one entity and two independent entities in the bank. Other advantageous specific embodiments can be found from the following statements and descriptions. [Embodiment] It is intended to use the present invention in a > > ^ Payment System; In particular, it is used in conjunction with the conversion parent. One of the representative programs illustrated in Figure 3 includes a right-hand point of sale (POS) terminal device. The terminal device is adapted to perform payment card transactions. Each device is associated with a business. In the illustrated < representative architecture, an intermediate host 2 acts as an interface between the POS devices and the bank payment processing system / currency conversion plan. Traditionally, payment card transactions started when a cardholder submitted a payment card for purchase at that point of sale. What should I do? The merchant of the 03 device traditionally swipes the card via a magnetic strip reader on a POS device, and then uses an auxiliary keyboard to enter the transaction amount. Other methods of performing card transactions are this skill
86669 -14- VZ42 中所熟知的（例如葬Α + 入，筈或網際網路)。就本發明而論，輸 Γ 細節和交易系節的確切方式並不重要。 居等個別的支符+ «曰 一 卡又易可為一傳統（不轉換）交易、亦或 孝·Τ換父易。於—億结六 專人易中，係用該商家貨幣執行該交 2。於—傳統交易中，如該持卡人帳戶係用—不同於 豕帳戶的貨幣操作時，J … 則该持卡人的銀行在將該交易登入 ^ 時、將該交易轉換成該持卡人帳戶的貨幣。通常 在完成了料始交易後的某—_(甚至在數天之後）作轉 換0 上將傳=易與轉換交易作對照，其中轉換交易係在將該 人易提人该等銀行處理之前、先將該交易金额轉換成該持 卡人支付卡帳戶的貨幣。一轉換交易的實例為一動態貨幣 轉換又易。於WOG1/()486中說明一動態貨幣轉換系統的實 例0 於忒所代表性計畫中，將該等每一P0S裝置i調適成 處理傳統及/或轉換支付卡交易。就每一在一]?〇3裝置上處 理的夂易而&，產生一夂易紀錄和將該交易紀錄儲存在該 POS裝置上。 圖1中說明一代表性的傳統交易紀錄100。該交易紀錄識 別叉易日期3、持卡人姓名4、持卡人卡號5、卡片屆滿日期 6、商家名稱7、商家代碼8、及交易金額9。該交易紀錄可 包含其它的資訊和欄位。 圖2說明一代表性的轉換交易2〇〇以該等先前說明一傳統 交易欄位的參考數字描述圖2中該等相同的欄位。該等轉換 86669 -15· 200404242 交易有若干欄位相對應至一傳統交易 ^ 4JL ^ 中所包含的欄位上像 疋持卡人姓名4、持卡人卡號5、卡片 7、六届滿日期6、商家名稱 7、商豕代碼8、及交易金额9、·等等。 丹 該轉換交易紀錄亦可包各並. 、欠如二〜 匕σ八匕出現在傳統交易紀錄中的 貝訊和欄位。除了該等搁位以外， ^ 茨得換父易紀錄尚包含 右干附加欄位的資料，其中該等資 说丄日 寺貝科將蔹又易識別成一轉 換又易。孩等櫊位可包含一儲存該持卡人貨幣之交易金額 11的欄位、及/或-儲存該轉換時使用之匯㈣的欄位。立 它可提供的欄位包含-用以識別該持卡人貨幣的貨幣識別 碼0 將察知1該相同的欄位結構用於轉換和不轉換交易 上’但利用-識別碼或其它的裝置來區別該等兩種交易型 式。例如，可藉由”與轉換交易有關的欄位（例如該轉換金 額搁位、或匯率欄位）中無資料（或呈現空值）），，來區別一傳 統交易與一轉換交易。 將該等個別的交易紀錄上載到中間主機2中，例如於每天 結束時、或於該交易產生和抓取循環期間的任何時候、或 於該交易產生和抓取循環結束時作為一個批次處理。 為了方便上載交易紀錄，故將該等POS裝置1適當地調適 成利用適當的通訊裝置（典型地藉由數據機和一條電話線） 與該中間主機通訊。 將中間主機2調適成自該等p〇s裝置1中接收交易紀錄和 處理。隨後’中間主機2在該等收單銀行相關聯的電腦系統 上轉遞該等交易紀錄（其中該等電腦系統最後會負貴該等 86669 -16- 200404242 支付卡交易）。 一旦收到該等個別的交易紀錄時，中間主機2即可執行一 二核對和驗證常式、以確保該等被提交紀錄的準確性。接 著中間主機2可將該等轉換交易與該等傳統交易分開。根 據〉等先如技藝方法將該等傳統交易轉遞給該商家的收單 銀仃12處理，其中該收單銀行12繼之將該等交易轉遞給該 等支付卡計畫13。支付卡計畫13確保將該等正確的費用用 於適當的持卡人帳戶上。 於忒先如技藝中，係直接將該等轉換交易轉遞給貨幣轉 換计畫14或該貨幣轉換計畫的一關聯，以協助該等交易經 由夕元貨幣銀行15作處理。多元貨幣銀行15將該等交易 依次轉遞給該等支付卡計畫13，其中該等支付卡計畫繼之 將該等費用用於適當的持卡人帳戶上。 圖4說明本發明的一代表性執行，其中依照一 p〇s裝置所 發生的每一可轉換交易紀錄來產生若干新的交易紀錄，及 至少將該其中一筆新的交易紀錄提交該商家的收單銀行處 理。 現在’將就圖2所示之代表性轉換交易紀錄2〇〇說明圖4 所例證說明的代表性方法，其中該方法識別一商家與一持 卡人間某一金额之轉換支付卡交易紀錄。可由一主機自該 商家的POS裝置接收該轉換支付卡交易紀錄。 一旦一主機收到了該可轉換支付卡交易紀錄時（400)，該 主機即開始產生若干支付交易紀錄。 特定言之，於該商家與一第二持卡人間產生該相同金额 86669 -17· 200404242 的—第一交易紀錄4〇1、作為該收到的交易紀錄。該第一交 易紀錄.制該商家與u卡人間的—㈣換交易。圖5_ 說明-產生出來之代表性第一交易紀錄5〇〇。可藉由修訂該 收到之紀錄產生該新產生的第一交易紀錄。 於第一交易紀錄5 0 0中所識別的該第二持卡人為一中介 層的一持卡人帳戶或虛擬持卡人（例如可能為該貨幣轉換 计畫的營辦人或該營辦人的一關聯）。 士疋 '"亥產生出來的交易有效地產生一從該中介層持卡 人到該商家的借方。隨後，可將該第一交易提交該商家的 收單銀行12,並以處理該等傳統（不轉換）交易紀錄的支付方 式來處理該第一交易的支付。如是，商家的收單銀行12會 有一紀錄顯示出”記入該商家帳戶的贷方”。該贷方看起來 就像疋忒商豕與一第二持卡人（於本實例中為該貨幣轉換 計畫的營辦人或該營辨人的一關聯）間的一傳統支付卡交 易。 如是，’’不需更改該等收單銀行的軟體”、或”不需將該等 鬼影交易登入、並於隨後移除或，，固定”，，，即可完成有關該 商家的費用、報告及計算。 一主機除了產生該第一交易紀錄5〇〇之外，亦產生一第二 交易紀綠（例如圖6所例證說明的）402。第二交易紀錄6〇〇識 別一第二商家與該第一持卡人間的一交易。於本實例中， 孩第二商家為一與該中介層相關聯的商家帳戶，其中例如 可為該貨幣轉換計畫的營辦人或該營辦人的一關聯。第二 交易紀錄600為一轉換交易紀錄，因而含有一用一第二貨幣 86669 -18 - 200404242 (該持卡人的貨幣）之第二交易金额，其中該第二交易金額等 同該第.一交易金额轉換成該第二貨幣的金额。如是，有效. 地產生一支付卡交易，其中貸記一中介層或虛擬商家（例如 可能為該貨幣轉換計畫的一營辦人或該營辦人的一關聯） 和借記該持卡人。 可依照該先前技藝”提交第二交易紀錄600作支付處理”， 其中先提交貨幣轉換計畫14，隨後再經由一多元貨幣銀行 15繼續提交卡片計畫13。 因於該第一交易紀錄中、該持卡人實際上已被一第二（中 介層）持卡人取代了，故隨後當一動態貨幣轉換處理該第二 交易時、並不會導致該第一持卡人的借方發生”重複記載兩 次，’的情況。如是，則不須重寫一收單銀行的軟體來避免像 前述一樣的”重複記載兩次借方”。同樣地，就經辦該商家 所處理交易的收單銀行及/或該商家的觀點來看，則不須為 了合併及/或計算該商家的服務費而引進及/或接收龙影交 易時去修訂該等收單銀行的系統。 上述方法實際上產生了兩筆交易，其最終的結果為"記入 該持卡人的借方”和”記入該商家的贷方”，其中一第三方充 當一持有一商家帳戶和一持卡人帳戶的中介層。 將①4 ”亥中介層的商家帳戶會累積資金（贷方）；而會 忒中71層持卡人帳戶的借方。為了防止該等收單銀行 系4作業期發生不一致’故可能須使該中介層商家帳戶 :頸與孩中介層持卡人帳户餘額相抵銷。例如，可利用一 從該中介層商家帳戶到該中介層持卡人帳戶的每曰轉帳來 86669 •19- 200404242 執仃此。可於母天結束時執行 戶餘額.、作為該巾紗料A丨 取^未清帳 支付與該中介層商家悵戶間的一 支付卡父易（貫際上為一償還）。 另一種方法則係有效地將該中 枝上 町必甲，丨層两豕帳戶與該中介層 生間Γ 一筆轉換交易轉帳。如是，除了上述"產 生二寺兩聿又易紀錄，，之外，亦可產生—第三交易·(如圖 的貫例所示)。該交易代表該中介層商家帳戶與該中介声 持卡人帳戶間的-傳統支付卡交易。可將第三交易提交二 如孩两家的收單銀行來處錢4。如圖7b所示，於本發明 中、商家的號碼不需相同。換言之，該虛擬商家應為同一 個，然而商家號碼則可為不同的。 雖然已就-中介層主機說明了本發明，然而將察知本發 明的關键在於利用一中介層將一單一支付卡交易（適當地） 轉換成兩筆或多筆支付卡交易，其中該中介層係作為該等 兩筆或多筆個別叉易間的接合。將更進一步察知可以若干 不同的方式來應用該觀念，以達成該合適的最終結果。例 如，可於該POS終端機、該中間主機、或前述兩者的組合 上將一單一支付卡交易劃分成兩筆或多筆交易。 雖然動態貨幣轉換提供極大的優點給商家的外國客戶， 然而某些商家仍然收到一部分因處理動態貨幣轉換交易時 所產生的額外收入。如是，通常需要根據該等受到處理之 動態貨幣交易的價值來決定商家的額外收入。同樣地，相 較於一傳統不轉換交易，負責將該等多元貨幣支付交易處 理到該等支付卡系統中的該多元貨幣銀行合夥人會員卡計 -20- 200404242 畫處理器（MBPMCSP)通常會 外的工作而另外收費。 因處理一多元貨幣交易時需额 因此，將察知每—筆交易都需要若干清償措施、以確保 適當地分配鮮必需的資金和產生適當的餘额。可藉 本發明修正成包含另外—筆或多筆支付卡交易，以達成下 述的其中一項或多項目地。 特定言之’為了決定個別商家因動態貨幣轉換交易處理 時所產生任何额外收入的比例，故可產生另一筆交易紀 錄。該另一筆交易金額（以下稱為一商家额外收入卡交易） 將代表欲分配給該商家的额外收入。該商家额外收入卡交 易係介於"該第二持卡人（上述）、或該貨幣轉換計畫營辦人 的另-虚擬持卡人或一關聯，，與"該第一商家"之間。為了方 便起見’可將該個別欲分配給一商家的额外收入於例如每 天、每週或每月結束時合併到一單一商家額外收入卡交易 、己錄中可將该商家额外收入卡交易紀錄過帳、以由該等 卡片計畫以處理一傳統卡片交易的方式來處理。另一較不# 佳的方法則為讓該第-商家擁有其自己的持卡人帳戶，其 Γ可如f述將其额外收入分配到該持卡人帳戶中、作為該 第二商家或其一相關聯商家的償還金额。 同樣地可產纟额外的叉易紀錄、以支付該⑽刚CSP 處理居人易的費用。該交易（以下稱為該MBPMCSP交易）將 代表應支付給該MBPMCSI^f用。該河抑乂以卩交易可介 於"該第二持卡人（上述）、或該貨幣轉換計畫營辦人的另-虛擬持卡人或一關聯，，與"―與該MBPMCSP相關聯的商家 86669 -21 - 200404242 (帳戶）π之間。為了方便起見，可將該等個別應支付給該 MBPMCSP的費用於例如每天、每週或每月結束時合併到一 單一 MPBMCSP卡父易中。另一較不佳的方法則為讓珍 MBPMCSP擁有其自己的持卡人帳戶，其中可如上述將其費 用支付到該持卡人帳戶中、作為該第二商家或其一相關聯 商家的償還金額。 此外，吾人相信驅使執行動態貨幣轉換的主要因素在於 該動態貨幣轉換計畫營辦人會在財政上因额外的收入而獲 益。然而，该额外收入確實在該等上述不同的交易間引發 一不均衡狀態。可藉由一實例最適當地闡釋之。考慮下面 的事例·於一销售點處理一日本持卡人一金額極小的交易 €100。例如，可以π1€等於119日圓的匯率，，或” j 19〇〇日圓” 將該交易金額報給該持卡人。然而，當處理了該丨^900日 圓的交易、並經由該MBPMCSP將該交易自該等卡片計畫回 王給遠動怨貨幣轉換計畫營辦人時，該交易可能已被該動 態貨幣轉換計畫營辦人轉換成該€1〇3 了。實際上，該總额 中有€100係按規定路線被遞送至該商家、以支付該交易； 而該€ 3的額外收入則係按規定路線被遞送至該動態貨幣轉 換計畫營辦人、或經由該動態貨幣轉換計畫營辦人按規定 路線遞送。 為了成功地運作該計畫，該動態貨幣轉換計畫營辦人需 没JL讜等相關貨幣的有效圍籬帳戶"和，，另一該商家實際 貨幣的中央帳戶（其中如於該歐洲央行時、則為歐元），，。 雖然已就與孩第二持卡人帳戶和該第二商家帳戶相關聯 86669 -22- 200404242 之該動態貨幣轉換計畫營辦人說明了上述方法，然而有另 一種方法會用在與該等MBPMCSP帳戶相關聯的帳戶上，即 用在該等為該MBPMCSP的中介層帳戶上。可有利地使用 此，以根據該實質的交易利落有效地描述該動態貨幣轉換 计畫營辦人其有關該X易的额外收入。特定言之，可藉由 π將第三交易700 (上述）的金额減掉一等同該額外收入的金 额”和’’產生另一金額等同該额外收入的交易”來達成此。該 另一卡片交易會在該第二（中間）商人與一與該動態貨幣轉 換計畫營辦人相關聯之持卡人帳戶間。或者，可將該交易 執行成一從該第二商家的持卡人帳戶到一與該動態貨幣轉 換計畫營辦人相關聯之商家帳戶的償還金額。 將察知，有可能將該等上述方法適當地形成若干種組 合，及可在未脫離本發明的範疇下、藉由適當的修訂對本 發明作種種變更。例如，於一具體實施例中，該中介層商 豕及/或持卡人可代表該同一個實體；然而卻各自擁有不同 的商家/持卡人帳戶。 該等於此用在本發明中的單字，，包括”和，，持有/包含，，係用 以指明具有該等所述之特性、整體、步騾或元件；然而卻 未排除，’具有或增加其它一個或多個特性、整體、步騾、元 件或群組π。 【圖式簡單說明】 現在，將就該等伴隨的圖式更詳盡地說明本發明，其中： 圖1為一根據該先前技藝之交易紀錄的一實例； 圖2為一據該先前技藝而熟知之第二交易紀錄的一實例； 86669 -23 - 200404242 圖 圖 圖 圖 圖 圖 【圖 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 100 2〇〇 為適合執行本發明之系統的方塊圖代表· 4為根據本發明之方法的流程圖； 5為一根據本發明之第一交易的一實例； 6為一根據本發明之第二交易的一實例； 7a為一根據本發明之第三交易的一實例；及 7b為一叉易實例，其中該等兩個商家號碼不同 式代表符號說明】 銷售點終端機裝置 中間主機 交易日期 持卡人姓名 持卡人卡號 卡片屆滿曰期 商家名稱 商家代碼 交易金額 該持卡人貨幣之交易金额 該轉換時使用之匯率 (商家的）收單銀行 支付卡計畫/卡片計f 貨幣轉換計畫 多元貨幣銀行 傳統交易紀錄 轉換交易（紀錄） 86669 24- 200404242 500 第 一交易紀錄 600 第 二父易紀錄 700 第 二交易紀錄 -25- 8666986669 -14- VZ42 is well known (such as burial A + entry, 筈 or the Internet). As far as the present invention is concerned, the exact way in which Γ details and transactions are lost is not important. Waiting for an individual break + «Yi Yi card can be a traditional (non-converted) transaction, or filial piety exchange. Yu-Yi Jie Liu Specialist Exchange will execute the transaction with the merchant's currency 2. In-traditional transactions, if the cardholder's account is used-different from the currency operation of the account, J ... then the cardholder's bank converts the transaction into the cardholder when the transaction is logged in ^ The currency of the account. Normally, after completing the transaction, a certain __ (or even a few days later) is used for conversion. 0 The pass will be exchanged for comparison with the conversion transaction, where the conversion transaction is performed before the bank is processed by the bank. The transaction amount is first converted into the currency of the cardholder's payment card account. An example of a conversion transaction is easy for a dynamic currency conversion. An example of a dynamic currency conversion system is described in WOG1 / () 486. In the representative plan of 忒, each of these POS devices i is adapted to handle traditional and / or conversion payment card transactions. For each transaction processed on a device, a transaction record is generated and the transaction record is stored on the POS device. A representative conventional transaction record 100 is illustrated in FIG. The transaction record identifies the date of fork 3, cardholder name 4, cardholder card number 5, card expiration date 6, merchant name 7, merchant code 8, and transaction amount 9. The transaction record may contain other information and fields. Fig. 2 illustrates a representative conversion transaction 2000. The same fields in Fig. 2 are described with reference numerals that previously described a conventional transaction field. These conversions 86669 -15 · 200404242 The transaction has a number of fields corresponding to a traditional transaction ^ 4JL ^ The fields included in the transaction are like cardholder name 4, cardholder card number 5, card 7, six expiration dates 6 , Business name 7, business card code 8, and transaction amount 9, etc. Dan The conversion transaction records can also include each other. The owe and two daggers appear in the traditional transaction records. In addition to these stalls, the ^ Chang's Changyi Record also contains information about additional fields in the right column, among which the information said that the next day Temple Beco identified 蔹 as easy and easy to convert. The child register may include a field storing the transaction amount 11 of the cardholder's currency, and / or a field storing the currency used in the conversion. The fields it can provide include-the currency identification code used to identify the cardholder's currency. 0 will detect 1 the same field structure is used for conversion and non-conversion transactions. 'But using-identification code or other devices to Distinguish these two transaction types. For example, a traditional transaction can be distinguished from a conversion transaction by "there is no data (or a null value) in a field related to the conversion transaction (such as the conversion amount stall or exchange rate field). The individual transaction records are uploaded to the intermediate host 2, such as at the end of each day, or at any time during the transaction generation and fetch cycle, or as a batch at the end of the transaction generation and fetch cycle. It is convenient to upload transaction records, so the POS devices 1 are appropriately adapted to communicate with the intermediate host using an appropriate communication device (typically through a modem and a telephone line). The intermediate host 2 is adapted from the p. s device 1 receives the transaction records and processes. Then 'intermediate host 2 forwards the transaction records on the computer systems associated with the acquiring banks (where these computer systems will eventually lose your 86669 -16- 200404242 Payment card transaction). Once receiving these individual transaction records, the intermediate host 2 can perform one-two check and verification routines to ensure the accuracy of the submitted records The intermediate host 2 can then separate these conversion transactions from these traditional transactions. According to the above-mentioned method, the traditional transactions are forwarded to the acquirer bank 12 of the merchant, where the acquirer bank 12 continues It forwards these transactions to these payment card plans 13. Payment card plan 13 ensures that the correct fees are applied to the appropriate cardholder account. The conversion transaction is forwarded to a currency conversion plan 14 or a link to the currency conversion plan to assist these transactions to be processed by Xiyuan Currency Bank 15. Multi-currency bank 15 forwards these transactions to these payment cards in turn Project 13, in which these payment card projects then apply these fees to the appropriate cardholder account. Figure 4 illustrates a representative implementation of the present invention, in which each The transaction records can be converted to generate several new transaction records, and at least one of the new transaction records can be submitted to the merchant's acquiring bank for processing. Now, a representative conversion transaction record 200 illustrated in FIG. 2 will be explained 4 illustrations The representative representative method described, in which the method identifies a transaction payment card transaction record of a certain amount between a merchant and a cardholder. The host computer may receive the transaction card transaction record from the merchant's POS device. Once a host receives the transaction card, When the transferable payment card transaction record (400), the host starts to generate several payment transaction records. In particular, between the merchant and a second cardholder, the same amount of 86669 -17 · 200404242-the first transaction record 401 as the received transaction record. The first transaction record. The exchange transaction between the merchant and the u card person. Figure 5_ Explanation-the representative first transaction record generated by 5000. Can be borrowed The newly generated first transaction record is generated by amending the received record. The second cardholder identified in the first transaction record 500 is a cardholder account or virtual cardholder of an intermediary layer ( For example, it may be the operator of the currency conversion plan or an association of the operator.) The transaction generated by Shi'an '" Hai effectively generated a debit from the intermediary cardholder to the merchant. The first transaction can then be submitted to the merchant's acquirer bank 12 and the payment of the first transaction can be processed by a payment method that processes the traditional (non-converted) transaction records. If so, the merchant's acquirer bank 12 will have a record showing "credit credited to the merchant account". The lender looks like a traditional payment card transaction between a merchant and a second cardholder (in this example, the operator of the currency conversion program or an association with the operator). If it is, “No need to change the software of the acquiring bank”, or “No need to log in and remove these ghost transactions, and then, or, fix”, you can complete the fees, Report and calculation. In addition to generating the first transaction record 500, a host also generates a second transaction record green (for example, illustrated in Figure 6) 402. The second transaction record 600 identifies a second merchant A transaction with the first cardholder. In this example, the second merchant is a merchant account associated with the intermediary layer, which may be, for example, the operator of the currency conversion plan or one of the operators. Related. The second transaction record 600 is a conversion transaction record, and therefore contains a second transaction amount using a second currency 86669 -18-200404242 (the cardholder's currency), where the second transaction amount is equal to the first. A transaction amount is converted into the amount of the second currency. If so, a payment card transaction is generated, in which an intermediary or a virtual merchant is credited (for example, an operator of the currency conversion plan or the operator's An association ) And debit the cardholder. According to the previous technique, “submit a second transaction record 600 for payment processing”, which first submits a currency conversion plan 14 and then continues to submit a card plan 13 through a multi-currency bank 15 Because the cardholder has actually been replaced by a second (intermediate) cardholder in the first transaction record, subsequent subsequent transactions by a dynamic currency converter will not cause the The debit of the first cardholder occurred in the case of "duplicate recording twice, '". If so, there is no need to rewrite the software of an acquirer bank to avoid the "double record of debits" like before. Similarly, from the point of view of the acquiring bank handling the transactions handled by the merchant and / or the merchant, it is not necessary to introduce and / or receive Long Ying transactions in order to consolidate and / or calculate the service fee of the merchant. Revise the systems of these acquiring banks. The above method actually produced two transactions, the final result of which is " debit to the cardholder " and " credit to the merchant ", where a third party acts as a holder of a merchant account and a cardholder The intermediary layer of the account. ① 4 ”The merchant account of the intermediary layer will accumulate funds (credit); and the debit of the cardholder account of the 71st layer. In order to prevent the inconsistency of these acquiring banks from the 4th operation period ', it may be necessary to offset the intermediary merchant account: neck and child intermediary cardholder account balance. For example, a daily transfer from the intermediary merchant account to the intermediary cardholder account may be used to perform this action 86669 • 19- 200404242. The account balance can be executed at the end of the mother's day. As the gauze material A 丨 take ^ open account payment and a payment card between the intermediary merchant and the customer (easy for a repayment). The other method is to transfer a transfer transaction from the middle branch to the second branch account and the intermediary layer. If so, in addition to the above-mentioned " producing the second temple and the two temples, which are easy to record, it can also generate a third transaction (as shown in the example of the example). The transaction represents a traditional payment card transaction between the intermediary merchant account and the intermediary voice cardholder account. The third transaction can be submitted to two acquiring banks, such as two children, to pay the money4. As shown in FIG. 7b, in the present invention, the merchant numbers need not be the same. In other words, the virtual merchant should be the same, but the merchant number can be different. Although the invention has been described with respect to an intermediary host, it will be appreciated that the key to the invention lies in the use of an intermediary layer to (appropriately) convert a single payment card transaction into two or more payment card transactions, where the intermediary layer It is used as the joint between two or more individual forks. It will be further explored that the concept can be applied in a number of different ways to achieve the appropriate end result. For example, a single payment card transaction can be divided into two or more transactions on the POS terminal, the intermediate host, or a combination of the two. Although dynamic currency conversion offers great advantages to merchants' foreign customers, some merchants still receive a portion of the additional revenue generated when processing dynamic currency conversion transactions. If so, it is often necessary to determine the merchant's additional revenue based on the value of these dynamic currency transactions being processed. Similarly, compared to a traditional non-converting transaction, the multi-currency bank partner member card responsible for processing such multi-currency payment transactions into the payment card systems is usually 20-200404242. Extra work for an additional fee. Because of the amount of money required to process a multi-currency transaction, it will be known that each transaction requires several settlement measures to ensure that the necessary funds are properly allocated and that a proper balance is generated. The present invention can be modified to include one or more payment card transactions to achieve one or more of the following items. In particular, in order to determine the proportion of any additional revenue generated by individual merchants as a result of dynamic currency conversion transactions, another transaction record can be generated. This other transaction amount (hereinafter referred to as a merchant additional income card transaction) will represent the additional revenue to be distributed to the merchant. The merchant's extra income card transaction is between " the second cardholder (above), or another-virtual cardholder or an association of the currency conversion plan operator, and " the first merchant " between. For convenience ', the individual additional income to be allocated to a merchant can be merged into a single merchant additional income card transaction at the end of each day, week, or month, for example, and the merchant's additional income card transaction record can be recorded Posts are processed in the manner planned by the cards to process a traditional card transaction. Another less-than-optimal method is to let the first-merchant have its own cardholder account, whose Γ can allocate its additional income to the cardholder account, as the second merchant or its The repayment amount of an associated merchant. It is also possible to generate additional forklift records to cover the costs of processing the resident's transaction by the rigid CSP. This transaction (hereinafter referred to as the MBPMCSP transaction) will be paid to the MBPMCSI ^ f representative. The transaction may be between " the second cardholder (above), or another-virtual cardholder or an association of the currency conversion plan operator, and " related to the MBPMCSP Linked merchants 86669 -21-200404242 (account) π. For convenience, these individual fees payable to the MBPMCSP may be combined into a single MPBMCSP card parent, for example, at the end of each day, week, or month. A lesser method is for Jane MBPMCSP to have its own cardholder account, which can be paid into the cardholder account as described above, as a repayment for the second merchant or an associated merchant Amount. In addition, I believe that the main factor driving dynamic currency conversion is that the operator of the dynamic currency conversion program will benefit financially from the additional revenue. However, this additional revenue did cause an imbalance between these different transactions. This can be best explained by an example. Consider the following example: Processing a Japanese cardholder with a very small amount of € 100 at a point of sale. For example, the transaction amount can be reported to the cardholder at an exchange rate of π1 € equal to 119 yen, or "j 190 yen". However, when the transaction of 900 yen is processed and the transaction is returned from the card plan to the king to Yuandong Yuan currency conversion plan operator via the MBPMCSP, the transaction may have been accounted for by the dynamic currency conversion plan. The painting operator converted it to € 103. In fact, € 100 of the total was routed to the merchant to pay the transaction, while the extra € 3 was routed to the operator of the dynamic currency conversion plan, or The operator will deliver the route through the dynamic currency conversion plan. In order to successfully operate the plan, the operator of the dynamic currency conversion plan needs to have a valid hedge account of related currencies such as JL 谠 and, and, another central account of the merchant ’s actual currency (of which, for example, at the time of the European Central Bank , Then the euro) ,,. Although the above method has been explained for the dynamic currency conversion program operator 86669 -22- 200404242 associated with the second cardholder account and the second merchant account, there is another method that will be used in conjunction with these MBPMCSP The account associated with the account is used in the intermediary account that is the MBPMCSP. This can be used advantageously to effectively describe the dynamic currency conversion plan operator's additional income in relation to the X-Ease based on the substantial transactional profitability. In particular, this can be achieved by π deducting the amount of the third transaction 700 (above) by an amount equal to the additional income "and '' generates another transaction equal to the additional income". The other card transaction is between the second (intermediate) merchant and a cardholder account associated with the dynamic currency conversion program operator. Alternatively, the transaction may be executed as a repayment amount from the cardholder account of the second merchant to a merchant account associated with the operator of the dynamic currency conversion plan. It will be appreciated that it is possible to form several combinations of the above-mentioned methods appropriately, and that various changes can be made to the present invention by appropriate amendments without departing from the scope of the present invention. For example, in a specific embodiment, the intermediary merchant and / or cardholder may represent the same entity; however, each has a different merchant / cardholder account. This equals the word used in the present invention, including "and", "held / contained," to indicate that it has the stated characteristic, whole, step, or element; however, it does not exclude, 'having or Add one or more other features, wholes, steps, components or groups. [Simplified description of the drawings] Now, the present invention will be described in more detail with respect to the accompanying drawings, wherein: FIG. An example of the transaction record of the previous technique; Figure 2 is an example of the second transaction record known by the previous technique; 86669 -23-200404242 Figure Figure Figure Figure Figure [Figure 1 2 3 4 5 6 7 8 9 11 10 12 13 14 15 100 2000 is a block diagram representative of a system suitable for implementing the present invention. 4 is a flowchart of a method according to the present invention. 5 is an example of a first transaction according to the present invention. 6 is a An example of a second transaction according to the present invention; 7a is an example of a third transaction according to the present invention; and 7b is an example of a Yichang, in which the two merchant numbers are different types of representative symbols] Device Intermediate Host Transaction Date Cardholder Name Cardholder Card Number Card Expiry Date Merchant Name Merchant Code Transaction Amount This Cardholder Currency Transaction Amount The exchange rate (for merchant's) Acquired Bank Payment Card Plan / Card Plan f Currency Conversion Plan Multi-currency bank traditional transaction record conversion transaction (Record) 86669 24- 200404242 500 First transaction record 600 Second parent record 700 Second transaction record -25- 86669