CA2501646A1 - Procede et systeme de gestion de transactions financieres - Google Patents

Procede et systeme de gestion de transactions financieres Download PDF

Info

Publication number
CA2501646A1
CA2501646A1 CA002501646A CA2501646A CA2501646A1 CA 2501646 A1 CA2501646 A1 CA 2501646A1 CA 002501646 A CA002501646 A CA 002501646A CA 2501646 A CA2501646 A CA 2501646A CA 2501646 A1 CA2501646 A1 CA 2501646A1
Authority
CA
Canada
Prior art keywords
information
country
cash
transfer
party
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
CA002501646A
Other languages
English (en)
Inventor
Wendy Yusin
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.)
First Data Corp
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
Application filed by Individual filed Critical Individual
Publication of CA2501646A1 publication Critical patent/CA2501646A1/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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

L'invention concerne un procédé de traitement d'un transfert de liquidités par ou à charge d'un premier établissement sur le compte bancaire d'un second établissement consistant à recevoir l'information concernant le transfert de liquidités et à formater l'information en une pluralité de formats d'après, au moins partiellement, un emplacement du compte bancaire. L'information peut être formatée selon un format NACHA, si le compte bancaire se trouve aux Etats-Unis, ou en format UN/EDIFACT, si le compte bancaire ne se trouve pas aux Etats-Unis. L'information associée au pays dans lequel se trouve le compte bancaire peut être ajoutée à l'information formatée afin de faciliter et de permettre la compensation et l'acquittement de fonds dans ce pays. Un réseau de compensation peut être sélectionné pour la compensation et la liquidation des fonds. L'information concernant le second établissement peut être reçue et mémorisée au préalable dans une mémoire, en vue de sa comparaison avec une information reçue couramment concernant le second établissement dans une transaction actuelle, et ce de manière à détecter les fraudes. Font également l'objet de cette invention des systèmes associés.
CA002501646A 2002-10-07 2003-10-07 Procede et systeme de gestion de transactions financieres Abandoned CA2501646A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US41666302P 2002-10-07 2002-10-07
US60/416,663 2002-10-07
PCT/US2003/032124 WO2004034222A2 (fr) 2002-10-07 2003-10-07 Procede et systeme de gestion de transactions financieres

Publications (1)

Publication Number Publication Date
CA2501646A1 true CA2501646A1 (fr) 2004-04-22

Family

ID=32093882

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002501646A Abandoned CA2501646A1 (fr) 2002-10-07 2003-10-07 Procede et systeme de gestion de transactions financieres

Country Status (4)

Country Link
EP (1) EP1559044A4 (fr)
AU (1) AU2003282567A1 (fr)
CA (1) CA2501646A1 (fr)
WO (1) WO2004034222A2 (fr)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8239319B2 (en) 2004-03-22 2012-08-07 The Western Union Company Equipment to facilitate money transfers into bank accounts
US8930267B1 (en) 2012-08-27 2015-01-06 Jpmorgan Chase Bank, N.A. Automated transactions clearing system and method

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7104440B2 (en) * 1999-10-26 2006-09-12 First Data Corporation Money transfer systems and methods for travelers
US7664703B2 (en) * 1999-10-26 2010-02-16 The Western Union Company Value transfer systems and methods
AU1960101A (en) * 1999-12-29 2001-07-16 Paymap, Inc. Method and apparatus for mapping sources and uses of consumer funds
US7849009B2 (en) * 1999-12-29 2010-12-07 The Western Union Company Methods and apparatus for mapping sources and uses of consumer funds
US20030126075A1 (en) * 2001-11-15 2003-07-03 First Data Corporation Online funds transfer method
MXPA04004951A (es) * 2001-11-26 2004-08-11 Epacific Inc Sistemas y metodos para transferencias de fondos.

Also Published As

Publication number Publication date
EP1559044A4 (fr) 2007-11-07
WO2004034222A2 (fr) 2004-04-22
AU2003282567A1 (en) 2004-05-04
AU2003282567A8 (en) 2004-05-04
WO2004034222A9 (fr) 2004-07-08
EP1559044A2 (fr) 2005-08-03
WO2004034222A3 (fr) 2004-06-03

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Legal Events

Date Code Title Description
EEER Examination request
FZDE Discontinued

Effective date: 20130128

FZDE Discontinued

Effective date: 20130128