MX2008014011A - Metodos y sistemas para ajuste de intercambio. - Google Patents

Metodos y sistemas para ajuste de intercambio.

Info

Publication number
MX2008014011A
MX2008014011A MX2008014011A MX2008014011A MX2008014011A MX 2008014011 A MX2008014011 A MX 2008014011A MX 2008014011 A MX2008014011 A MX 2008014011A MX 2008014011 A MX2008014011 A MX 2008014011A MX 2008014011 A MX2008014011 A MX 2008014011A
Authority
MX
Mexico
Prior art keywords
card
interchange
fee
private label
account
Prior art date
Application number
MX2008014011A
Other languages
English (en)
Inventor
William Johnson
Original Assignee
Citicorp Credit Services Inc
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 Citicorp Credit Services Inc filed Critical Citicorp Credit Services Inc
Publication of MX2008014011A publication Critical patent/MX2008014011A/es

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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0283—Price estimation or determination
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Un método y sistema implementado por computadora para ajuste de intercambio que se refiere a cuentas con marca privada, que implica la activación de una cuenta con tarjeta de marca privada con un asociado por un emisor de tarjeta a través de una red de asociación de tarjetas con una tarifa especial para el programa, que es mayor o menor que una tarifa de intercambio predeterminada por la asociación de tarjetas; la emisión de una tarjeta de marca privada por el emisor de la tarjeta para un tarjetahabiente y el establecimiento de una cuenta para la tarjeta de marca privada asociada para el tarjetahabiente; y la recepción de datos para una transacción mediante un sistema de procesamiento de la asociación de tarjetas. El sistema de procesamiento de la asociación de tarjetas calcuta y recolecta la tarifa de intercambio establecida por parte del emisor de tarjetas y envía los datos de la transacción al emisor de tarjetas, el cual calcula la diferencia entre la tarifa de intercambio y la tarifa del programa especial y envía de vuelta un ajuste de manera uniforme a través de la red de la asociación de tarjetas para acreditarlo o debitarlo a una cuenta del asociado.
MX2008014011A 2007-11-02 2008-10-31 Metodos y sistemas para ajuste de intercambio. MX2008014011A (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US99613307P 2007-11-02 2007-11-02

Publications (1)

Publication Number Publication Date
MX2008014011A true MX2008014011A (es) 2009-05-26

Family

ID=40589153

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2008014011A MX2008014011A (es) 2007-11-02 2008-10-31 Metodos y sistemas para ajuste de intercambio.

Country Status (3)

Country Link
US (1) US20090119176A1 (es)
CA (1) CA2643621A1 (es)
MX (1) MX2008014011A (es)

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US8447669B2 (en) 2008-08-26 2013-05-21 Visa U.S.A. Inc. System and method for implementing financial assistance programs
US20100094739A1 (en) * 2008-10-14 2010-04-15 Peter Ellis System and method for providing transaction-based profit solutions
US20100161404A1 (en) * 2008-11-25 2010-06-24 Mary Theresa Taylor Promotional item identification in processing of an acquired transaction on an issued account
US8560393B2 (en) * 2009-03-30 2013-10-15 Bank Of America Corporation Interactive interchange rate decisioning
US20110238596A1 (en) * 2010-03-26 2011-09-29 Bank Of America Transaction information routing
US8571937B2 (en) 2010-10-20 2013-10-29 Playspan Inc. Dynamic payment optimization apparatuses, methods and systems
US10204327B2 (en) 2011-02-05 2019-02-12 Visa International Service Association Merchant-consumer bridging platform apparatuses, methods and systems
WO2012109628A2 (en) 2011-02-10 2012-08-16 Visa International Service Assocation Electronic coupon issuance and redemption apparatuses, methods and systems
CN106803175B (zh) 2011-02-16 2021-07-30 维萨国际服务协会 快拍移动支付装置，方法和系统
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
AU2012220669A1 (en) 2011-02-22 2013-05-02 Visa International Service Association Universal electronic payment apparatuses, methods and systems
WO2012118870A1 (en) 2011-02-28 2012-09-07 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
WO2012122060A1 (en) 2011-03-04 2012-09-13 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
US9646291B2 (en) 2011-05-11 2017-05-09 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
WO2012167202A2 (en) 2011-06-03 2012-12-06 Visa International Service Association Virtual wallet card selection apparatuses, methods and systems
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US10121129B2 (en) 2011-07-05 2018-11-06 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10438176B2 (en) 2011-07-17 2019-10-08 Visa International Service Association Multiple merchant payment processor platform apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US10318941B2 (en) 2011-12-13 2019-06-11 Visa International Service Association Payment platform interface widget generation apparatuses, methods and systems
US8452708B1 (en) * 2011-09-03 2013-05-28 Arnold N Birenbaum Universal payment processing
US9117225B2 (en) 2011-09-16 2015-08-25 Visa International Service Association Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
WO2013090611A2 (en) 2011-12-13 2013-06-20 Visa International Service Association Dynamic widget generator apparatuses, methods and systems
US9953378B2 (en) 2012-04-27 2018-04-24 Visa International Service Association Social checkout widget generation and integration apparatuses, methods and systems
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US11308227B2 (en) 2012-01-09 2022-04-19 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10262148B2 (en) 2012-01-09 2019-04-16 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
US9818266B2 (en) 2012-12-05 2017-11-14 Bank Of America Corporation Remote disabling of target point-of-sale (“POS”) terminals
US8972293B2 (en) * 2012-12-05 2015-03-03 Bank Of America Corporation Surcharge auditing
US11216468B2 (en) 2015-02-08 2022-01-04 Visa International Service Association Converged merchant processing apparatuses, methods and systems
US10078839B1 (en) * 2017-08-30 2018-09-18 Square, Inc. Centralized system for data retrieval

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5984191A (en) * 1995-11-20 1999-11-16 International Card Technology Multiple magnetic stripe transaction cards and systems for the utilization thereof
WO2001042965A1 (en) * 1999-12-10 2001-06-14 Auripay, Inc. Method and apparatus for improved financial instrument processing
WO2003010701A1 (en) * 2001-07-24 2003-02-06 First Usa Bank, N.A. Multiple account card and transaction routing
US6732919B2 (en) * 2002-02-19 2004-05-11 Hewlett-Packard Development Company, L.P. System and method for using a multiple-use credit card
US6692139B2 (en) * 2002-02-22 2004-02-17 Irwin Kotovsky Plated lighting method and apparatus
US8239323B2 (en) * 2003-09-23 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
US7702577B1 (en) * 2003-11-06 2010-04-20 Jp Morgan Chase Bank, N.A. System and method for conversion of initial transaction to final transaction
US7953653B2 (en) * 2007-05-16 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for combined reconciliation of co-branded card promotion and settlement of private label card accounts

Also Published As

Publication number Publication date
CA2643621A1 (en) 2009-05-02
US20090119176A1 (en) 2009-05-07

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