JP2006513512A - 取引時外貨換算 - Google Patents
取引時外貨換算 Download PDFInfo
- Publication number
- JP2006513512A JP2006513512A JP2005507110A JP2005507110A JP2006513512A JP 2006513512 A JP2006513512 A JP 2006513512A JP 2005507110 A JP2005507110 A JP 2005507110A JP 2005507110 A JP2005507110 A JP 2005507110A JP 2006513512 A JP2006513512 A JP 2006513512A
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- JP
- Japan
- Prior art keywords
- currency
- transaction
- cardholder
- merchant
- conversion
- 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.)
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- 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
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
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- 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
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
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- 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
- G06Q10/00—Administration; Management
- G06Q10/02—Reservations, e.g. for tickets, services or events
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- 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
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- 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
-
- 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
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- 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
- 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
- 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
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
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- 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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- 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
- G06Q40/12—Accounting
Abstract
Description
本出願は、2002年11月7日出願の米国仮特許出願第60/424,477号、および2003年3月26日出願の米国仮特許出願第60/457,742号の優先権を主張する。両出願は引用して本明細書に組込む。
小売店環境でオプトインするための処理は、使用中のPOS装置の特定の機能性に依存し、装置が、「顧客向き」であるか「販売者向き」であるか、すなわち、装置を操作するのは顧客か販売者かに依存する。好ましくは、TOT開示および承諾(オプトイン受領)言語の呈示は、カード保有者が単に取引領収書に署名すれば、支払処理業者208がその取引をTOT取引として処理する、といったものである。
・販売者の現地通貨での取引の価格;
・通貨についての適切な通貨記号または3文字のISO略語を伴う発行元通貨に換算された取引の価格;
・その日付で有効な換算レート;
・換算処理の簡潔な釈明。
レストラン環境でカード保有者の承諾を得ることは、小売店環境と異なり、何故なら、一般的に、カード保有者も給仕係もPOS装置の直接傍にいないからである。例えば、給仕人が、一般的に勘定書を顧客へ呈示し、顧客は自己のクレジットカードを呈示し、給仕人はそこでそのクレジットカードを取り、それをPOS装置に通して、印刷された領収書を持ちテーブルへ帰る。顧客は領収書に署名し、チップを加算し、給仕人はチップの金額をPOS装置に加算する。従って、レストラン環境では、開示とプログラム承諾とは、もっぱら署名のためにカード保有者へ呈示される取引文書内だけでカード保有者から取得されるのが好ましく、POS装置においてではない。承諾は、TOT通貨換算開示を既存の署名欄の下に印刷するのが好ましく、カード保有者がオプトアウトを希望する場合にカード保有者が給仕係に通知できる追加の署名欄を持つことによって得られる。
宿泊所環境(例えば、ホテル、モーテル、イン等)では、一実施の形態において、施設で取引を完了する全てのカード保有者によって署名される販売手形、帳票、インボイス、または他の文書上に印刷された開示文言にカード保有者を署名または頭文字署名させることによってオプトインが得られる。そのような文言の例は:
「我が国際カード保有者への便宜として、取引時のクレジットカード換算サービスをご提示いたします。貴方がこのサービスの使用を希望され、貴方のVisa(登録商標)またはMasterCard(登録商標)がこのサービスに適している場合、課金の元の現地通貨金額は、チェックアウト時点で貴方のカードプロバイダによって提示されるレートより有利な為替レートで、カード請求される通貨へ換算されます。」
Claims (1)
- 通貨換算に対するカード保有者の承諾を取得する方法であって、
第1通貨での取引金額を含むクレジットカード取引に対する認証要求を受取ることと、
前記取引金額を第2通貨へ換算することと、
前記換算された取引金額を含む前記認証要求を発行銀行へ送信することと、
前記取引を承認する認証返答を受取ることと、
前記換算された取引金額を含む取引伝票を印刷することであって、前記取引伝票は前記換算された取引金額で前記取引を処理させることを辞退する前記カード保有者の署名を受取るための署名区画を含むことと
で構成される方法。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US42447702P | 2002-11-07 | 2002-11-07 | |
US45774203P | 2003-03-26 | 2003-03-26 | |
PCT/US2003/035553 WO2004044822A2 (en) | 2002-11-07 | 2003-11-07 | Time-of-transaction foreign currency conversion |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2009181980A Division JP2009301561A (ja) | 2002-11-07 | 2009-08-04 | 取引時外貨換算 |
Publications (2)
Publication Number | Publication Date |
---|---|
JP2006513512A true JP2006513512A (ja) | 2006-04-20 |
JP2006513512A5 JP2006513512A5 (ja) | 2006-06-08 |
Family
ID=32314540
Family Applications (3)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2005507110A Pending JP2006513512A (ja) | 2002-11-07 | 2003-11-07 | 取引時外貨換算 |
JP2009181980A Pending JP2009301561A (ja) | 2002-11-07 | 2009-08-04 | 取引時外貨換算 |
JP2013025009A Expired - Fee Related JP5643856B2 (ja) | 2002-11-07 | 2013-02-12 | 取引時外貨換算 |
Family Applications After (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2009181980A Pending JP2009301561A (ja) | 2002-11-07 | 2009-08-04 | 取引時外貨換算 |
JP2013025009A Expired - Fee Related JP5643856B2 (ja) | 2002-11-07 | 2013-02-12 | 取引時外貨換算 |
Country Status (9)
Country | Link |
---|---|
US (2) | US7660768B2 (ja) |
EP (1) | EP1579356A4 (ja) |
JP (3) | JP2006513512A (ja) |
KR (2) | KR101573975B1 (ja) |
AU (1) | AU2003295415B2 (ja) |
CA (2) | CA2505078C (ja) |
NZ (1) | NZ539839A (ja) |
SG (1) | SG172477A1 (ja) |
WO (1) | WO2004044822A2 (ja) |
Cited By (7)
Publication number | Priority date | Publication date | Assignee | Title |
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JP2011508928A (ja) * | 2008-01-04 | 2011-03-17 | プラネット ペイメント,インコーポレイテッド | マーチャントレートルックアップ |
JP2011513869A (ja) * | 2008-03-10 | 2011-04-28 | グローバル ブルー カレンシー チョイス ホールディングス ビー.ヴイ. | 動的通貨換算システム及び方法 |
JP2014517436A (ja) * | 2011-06-24 | 2014-07-17 | アマゾン テクノロジーズ インコーポレイテッド | 非決済取引の支払い |
WO2016103373A1 (ja) * | 2014-12-24 | 2016-06-30 | 株式会社野村総合研究所 | 決済システムおよび決済方法 |
JP2018137005A (ja) * | 2018-06-13 | 2018-08-30 | 株式会社野村総合研究所 | 決済システム、決済方法、および決済プログラム |
JP2021072066A (ja) * | 2019-11-01 | 2021-05-06 | エヌ・ティ・ティ・コミュニケーションズ株式会社 | 決済システムおよび決済方法 |
JP2021072092A (ja) * | 2020-06-15 | 2021-05-06 | エヌ・ティ・ティ・コミュニケーションズ株式会社 | 決済システムおよび決済方法 |
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EP1579356A4 (en) | 2005-12-28 |
WO2004044822A2 (en) | 2004-05-27 |
AU2003295415A1 (en) | 2004-06-03 |
US8626660B2 (en) | 2014-01-07 |
US20100145744A1 (en) | 2010-06-10 |
JP2013127811A (ja) | 2013-06-27 |
US20040148255A1 (en) | 2004-07-29 |
CA2964718A1 (en) | 2004-05-27 |
CA2505078A1 (en) | 2004-05-27 |
CA2964718C (en) | 2018-07-31 |
AU2010241476A1 (en) | 2010-12-09 |
SG172477A1 (en) | 2011-07-28 |
JP5643856B2 (ja) | 2014-12-17 |
WO2004044822A3 (en) | 2005-03-17 |
WO2004044822B1 (en) | 2005-05-26 |
JP2009301561A (ja) | 2009-12-24 |
KR20050074986A (ko) | 2005-07-19 |
AU2003295415B2 (en) | 2010-12-09 |
CA2505078C (en) | 2017-06-27 |
US7660768B2 (en) | 2010-02-09 |
NZ539839A (en) | 2008-09-26 |
EP1579356A2 (en) | 2005-09-28 |
KR20120120473A (ko) | 2012-11-01 |
KR101573975B1 (ko) | 2015-12-02 |
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