FR3092690B1 - Système et procédé pour le traitement de transactions tripartites en temps réel - Google Patents

Système et procédé pour le traitement de transactions tripartites en temps réel Download PDF

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Publication number
FR3092690B1
FR3092690B1 FR1901335A FR1901335A FR3092690B1 FR 3092690 B1 FR3092690 B1 FR 3092690B1 FR 1901335 A FR1901335 A FR 1901335A FR 1901335 A FR1901335 A FR 1901335A FR 3092690 B1 FR3092690 B1 FR 3092690B1
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France
Prior art keywords
customer
payer
seller
identifier
data
Prior art date
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Active
Application number
FR1901335A
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English (en)
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FR3092690A1 (fr
Inventor
Maxence Achille Henri Malparty
Nicolas Dominique Marcel Guillon
Cruz Jose-Vicente Da
Jean-Pierre Boutherin
Olivier Alexandre Roth
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Amadeus SAS
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Amadeus SAS
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.)
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Publication date
Priority to FR1901335A priority Critical patent/FR3092690B1/fr
Application filed by Amadeus SAS filed Critical Amadeus SAS
Priority to CN202080012424.3A priority patent/CN113396434A/zh
Priority to CA3125810A priority patent/CA3125810A1/fr
Priority to PCT/EP2020/052562 priority patent/WO2020164939A1/fr
Priority to SG11202106676WA priority patent/SG11202106676WA/en
Priority to JP2021546745A priority patent/JP7486506B2/ja
Priority to KR1020217024725A priority patent/KR20210124981A/ko
Priority to AU2020220612A priority patent/AU2020220612A1/en
Priority to US17/420,935 priority patent/US11756008B2/en
Priority to EP20702131.2A priority patent/EP3924927A1/fr
Publication of FR3092690A1 publication Critical patent/FR3092690A1/fr
Application granted granted Critical
Publication of FR3092690B1 publication Critical patent/FR3092690B1/fr
Priority to US18/464,773 priority patent/US20230419272A1/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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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
    • G06Q30/04—Billing or invoicing
    • 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
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • 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
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/14—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
    • G06K7/1404—Methods for optical code recognition
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0641—Shopping interfaces

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Health & Medical Sciences (AREA)
  • Electromagnetism (AREA)
  • General Health & Medical Sciences (AREA)
  • Toxicology (AREA)
  • Artificial Intelligence (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Un procédé d’intermédiation pour des transactions inclut, au niveau d’un serveur d’intermédiation  : la réception de données de facture définissant un prix payable à un vendeur pour la fourniture d’un produit à un client ; l’extraction à partir des données de la facture, d’un identifiant de vendeur correspondant au vendeur ; la détermination, en association avec les données de la facture, d’un identifiant de client correspondant au client ; la récupération d’un identifiant de payeur correspondant au payeur associé au client ; la récupération sur la base d’au moins l’identifiant de payeur, d’une politique de transaction, conformément à la politique de transaction récupérée en affectant une portion éligible du prix à l’identifiant du payeur et en affectant la portion restante du prix à l’identifiant du client ; et, la génération et la transmission des données de paiement pour initier un paiement de la portion éligible du payeur au vendeur. Figure pour l’abrégé : Fig. 1
FR1901335A 2019-02-11 2019-02-11 Système et procédé pour le traitement de transactions tripartites en temps réel Active FR3092690B1 (fr)

Priority Applications (11)

Application Number Priority Date Filing Date Title
FR1901335A FR3092690B1 (fr) 2019-02-11 2019-02-11 Système et procédé pour le traitement de transactions tripartites en temps réel
US17/420,935 US11756008B2 (en) 2019-02-11 2020-02-03 System and method for real-time three-party transaction processing
PCT/EP2020/052562 WO2020164939A1 (fr) 2019-02-11 2020-02-03 Système et procédé de traitement en temps réel de transactions de tierce partie
SG11202106676WA SG11202106676WA (en) 2019-02-11 2020-02-03 System and method for real-time three-party transaction processing
JP2021546745A JP7486506B2 (ja) 2019-02-11 2020-02-03 リアルタイムの３者間取引処理のためのシステムおよび方法
KR1020217024725A KR20210124981A (ko) 2019-02-11 2020-02-03 실시간 3자 트랜잭션 프로세싱을 위한 시스템 및 방법
CN202080012424.3A CN113396434A (zh) 2019-02-11 2020-02-03 用于实时三方交易处理的系统和方法
CA3125810A CA3125810A1 (fr) 2019-02-11 2020-02-03 Systeme et procede de traitement en temps reel de transactions de tierce partie
EP20702131.2A EP3924927A1 (fr) 2019-02-11 2020-02-03 Système et procédé de traitement en temps réel de transactions de tierce partie
AU2020220612A AU2020220612A1 (en) 2019-02-11 2020-02-03 System and method for real-time three-party transaction processing
US18/464,773 US20230419272A1 (en) 2019-02-11 2023-09-11 System and method for real-time three-party transaction processing

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR1901335A FR3092690B1 (fr) 2019-02-11 2019-02-11 Système et procédé pour le traitement de transactions tripartites en temps réel
FR1901335 2019-02-11

Publications (2)

Publication Number Publication Date
FR3092690A1 FR3092690A1 (fr) 2020-08-14
FR3092690B1 true FR3092690B1 (fr) 2022-05-06

Family

ID=67107748

Family Applications (1)

Application Number Title Priority Date Filing Date
FR1901335A Active FR3092690B1 (fr) 2019-02-11 2019-02-11 Système et procédé pour le traitement de transactions tripartites en temps réel

Country Status (10)

Country Link
US (2) US11756008B2 (fr)
EP (1) EP3924927A1 (fr)
JP (1) JP7486506B2 (fr)
KR (1) KR20210124981A (fr)
CN (1) CN113396434A (fr)
AU (1) AU2020220612A1 (fr)
CA (1) CA3125810A1 (fr)
FR (1) FR3092690B1 (fr)
SG (1) SG11202106676WA (fr)
WO (1) WO2020164939A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11887079B2 (en) * 2020-03-09 2024-01-30 Visa International Service Association Central hub reconciliation system and method

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8036962B2 (en) * 2003-06-13 2011-10-11 Sap Ag Systems and methods for determining payers in a billing environment
JP3983724B2 (ja) 2003-08-08 2007-09-26 株式会社 スルッとＫａｎｓａｉ 料金後払いカードシステム、料金後払いカードの清算金額算出方法および料金後払いカードシステム用センターサーバ
US20120166270A1 (en) * 2010-12-23 2012-06-28 Apriva, Llc System and device for facilitating mobile enrollment and participation in a loyalty campaign
US9875469B1 (en) * 2013-12-24 2018-01-23 Square, Inc. Bill splitting
JP6534355B2 (ja) 2016-02-26 2019-06-26 株式会社スカイコム Ｐｄｆファイル管理システム、ｐｄｆファイル管理サーバ、ｐｄｆファイルデータ取得サーバ、ｐｄｆファイル管理方法、ｐｄｆファイルデータ取得方法、ｐｄｆファイル管理プログラム、およびｐｄｆファイルデータ取得プログラム
JP6518981B1 (ja) 2018-11-06 2019-05-29 株式会社椿知財サービス 翻訳装置、翻訳装置の制御プログラム、および翻訳装置を用いた翻訳方法

Also Published As

Publication number Publication date
CN113396434A (zh) 2021-09-14
FR3092690A1 (fr) 2020-08-14
JP7486506B2 (ja) 2024-05-17
SG11202106676WA (en) 2021-07-29
US20230419272A1 (en) 2023-12-28
JP2022521682A (ja) 2022-04-12
KR20210124981A (ko) 2021-10-15
WO2020164939A1 (fr) 2020-08-20
US11756008B2 (en) 2023-09-12
AU2020220612A1 (en) 2021-07-22
CA3125810A1 (fr) 2020-08-20
EP3924927A1 (fr) 2021-12-22
US20220092560A1 (en) 2022-03-24

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