CA2494549A1 - Procedes et systemes permettant d'effectuer des transactions par carte de paiement - Google Patents

Procedes et systemes permettant d'effectuer des transactions par carte de paiement Download PDF

Info

Publication number
CA2494549A1
CA2494549A1 CA002494549A CA2494549A CA2494549A1 CA 2494549 A1 CA2494549 A1 CA 2494549A1 CA 002494549 A CA002494549 A CA 002494549A CA 2494549 A CA2494549 A CA 2494549A CA 2494549 A1 CA2494549 A1 CA 2494549A1
Authority
CA
Canada
Prior art keywords
transaction
merchant
payment card
currency
transaction record
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
CA002494549A
Other languages
English (en)
Inventor
Gerard J. Barry
John Duffy
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from IE20020579A external-priority patent/IES20020579A2/en
Application filed by Individual filed Critical Individual
Publication of CA2494549A1 publication Critical patent/CA2494549A1/fr
Abandoned legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

L'invention concerne des systèmes de carte de paiement. Plus précisément, l'invention concerne des systèmes et des procédés de traitement de transactions par carte de paiement dans une conversion de monnaie dynamique et/ou un schéma à plusieurs monnaies. Des transactions fantômes sont utilisées de manière à obtenir un fonctionnement correct. Cependant, afin d'empêcher une duplication de débits à l'encontre du détenteur de la carte, des transactions <=de copie fantôme >= ne doivent pas être traitées dans les schémasde carte avec les transactions normales. Par conséquent, les systèmes hôtes de l'acquéreur et/ou de tierces personnes doivent être modifiés, en plus des modifications apportées à la comptabilité associée. Afin de palier à cette nécessité, l'invention concerne un procédé permettant d'effectuer la performance d'une transaction par carte de crédit dans une première somme de transaction dans une première monnaie, entre un premier marchant et un premier détenteur d'une carte de paiement. Le procédé comprend les étapes consistant a) à créer un premier enregistrement d'une transaction par carte de paiement entre le premier marchant et un second détenteur de carte pour la première somme de la transaction, b) à créer un second enregistrement d'une transaction par carte de paiement entre un second marchant et le premier détenteur de la carte, le second enregistrement de la transaction identifiant une seconde somme de la transaction dans une seconde monnaie étant égale à la première somme de la transaction convertie dans la seconde monnaie, et à soumettre le premier enregistrement de la transaction et le second enregistrement de la transaction, aux fins d'exécution du traitement sous la forme de transactions par carte de paiement.
CA002494549A 2002-07-12 2003-07-14 Procedes et systemes permettant d'effectuer des transactions par carte de paiement Abandoned CA2494549A1 (fr)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
IE20020579A IES20020579A2 (en) 2002-07-12 2002-07-12 Methods and systems for effecting payment card transactions
IES2002/0579 2002-07-12
IEPCT/IE03/00002 2003-01-10
PCT/IE2003/000002 WO2004008372A2 (fr) 2002-07-12 2003-01-10 Procede et systemes permettant d'effectuer des transactions par carte de paiement
PCT/IE2003/000101 WO2004008399A2 (fr) 2002-07-12 2003-07-14 Procedes et systemes permettant d'effectuer des transactions par carte de paiement

Publications (1)

Publication Number Publication Date
CA2494549A1 true CA2494549A1 (fr) 2004-01-22

Family

ID=30117184

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002494549A Abandoned CA2494549A1 (fr) 2002-07-12 2003-07-14 Procedes et systemes permettant d'effectuer des transactions par carte de paiement

Country Status (6)

Country Link
EP (1) EP1535249A2 (fr)
JP (1) JP2005533308A (fr)
AU (1) AU2003250508A1 (fr)
CA (1) CA2494549A1 (fr)
NZ (1) NZ537683A (fr)
WO (1) WO2004008399A2 (fr)

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2964718C (fr) 2002-11-07 2018-07-31 Planet Payment, Inc. Conversion de monnaie etrangere au taux du moment
CN102737343A (zh) 2004-07-12 2012-10-17 菲克斯科商业服务公司 直接货币兑换
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
UA112158C2 (uk) * 2008-11-26 2016-08-10 Еінновейшнз Холдінгс Пте. Лтд. Система та спосіб надання кредиту
GB2478993A (en) * 2010-03-26 2011-09-28 Global Blue Currency Choice Holdings Bv Dynamic currency conversion
CN103548047A (zh) * 2010-12-30 2014-01-29 拉尔斯·奥洛夫·康恩葛尔迪 终端真实性验证
GR20220100628A (el) 2022-08-01 2024-03-12 Παπαδοπουλος Νικολαος-Ξαφακης Σωτηριος Ομορρυθμη Εταιρεια, Μεθοδος αναπτυξης ανθεκτικων αντιρρυπαντικων νανοεπικαλυπτικων συστηματων με επιπροσθετη ισχυρη αντιμικροβιακη δραση

Also Published As

Publication number Publication date
EP1535249A2 (fr) 2005-06-01
NZ537683A (en) 2007-04-27
WO2004008399A8 (fr) 2005-04-07
WO2004008399A2 (fr) 2004-01-22
AU2003250508A1 (en) 2004-02-02
JP2005533308A (ja) 2005-11-04

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Legal Events

Date Code Title Description
EEER Examination request
FZDE Discontinued

Effective date: 20150210