WO2002039395A3 - Transaction processing and inter-computer communications - Google Patents

Transaction processing and inter-computer communications Download PDF

Info

Publication number
WO2002039395A3
WO2002039395A3 PCT/IE2001/000142 IE0100142W WO0239395A3 WO 2002039395 A3 WO2002039395 A3 WO 2002039395A3 IE 0100142 W IE0100142 W IE 0100142W WO 0239395 A3 WO0239395 A3 WO 0239395A3
Authority
WO
WIPO (PCT)
Prior art keywords
inter
currency
transaction processing
merchant
computer communications
Prior art date
Application number
PCT/IE2001/000142
Other languages
French (fr)
Other versions
WO2002039395A2 (en
Inventor
Francis Enda Murphy
Edward Murphy
Original Assignee
Francis Enda Murphy
Edward Murphy
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 IE2000/0908A external-priority patent/IE83232B1/en
Priority claimed from GB0027681A external-priority patent/GB2368960B/en
Priority claimed from IES20000907 external-priority patent/IES20000907A2/en
Priority claimed from GB0028083A external-priority patent/GB2373879B/en
Priority claimed from IES20000935 external-priority patent/IES20000935A2/en
Application filed by Francis Enda Murphy, Edward Murphy filed Critical Francis Enda Murphy
Priority to EP01980849A priority Critical patent/EP1656646A2/en
Priority to AU1263302A priority patent/AU1263302A/en
Priority to AU2002212633A priority patent/AU2002212633B2/en
Publication of WO2002039395A2 publication Critical patent/WO2002039395A2/en
Publication of WO2002039395A3 publication Critical patent/WO2002039395A3/en

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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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

Landscapes

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

Abstract

The present invention relates to processing of credit card transactions where conversion to the cardholder currency is securely and efficiently processed at a point of sale apparatus or at a merchant site into a cardholder currency. The number of currency exchanges is reduced thereby benefiting cardholders and eliminating merchant foreign exchange exposure. Competitive merchant service charges (MCS) are also possible in addition to enhancing the trust and confidence of cardholders.
PCT/IE2001/000142 2000-11-13 2001-11-13 Transaction processing and inter-computer communications WO2002039395A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
EP01980849A EP1656646A2 (en) 2000-11-13 2001-11-13 Transaction processing and inter-computer communications
AU1263302A AU1263302A (en) 2000-11-13 2001-11-13 Transaction processing and inter-computer communications
AU2002212633A AU2002212633B2 (en) 2000-11-17 2001-11-13 Inter-computer communications

Applications Claiming Priority (14)

Application Number Priority Date Filing Date Title
IES2000/0907 2000-11-13
IE2000/0908A IE83232B1 (en) 2000-11-13 Transaction processing
GB0027681A GB2368960B (en) 2000-11-13 2000-11-13 Transaction processing
IE2000/0908 2000-11-13
GB0027681.6 2000-11-13
IES20000907 IES20000907A2 (en) 2000-11-13 2000-11-13 Transaction processing
IES2000/0935 2000-11-17
IES2000/0936 2000-11-17
IE2000/0956 2000-11-17
GB0028083A GB2373879B (en) 2000-11-17 2000-11-17 Apparatus and method for exchange rate conversion in card transactions
IES20000935 IES20000935A2 (en) 2000-11-17 2000-11-17 An inter-computer communications apparatus
IE20000936 2000-11-17
IE2000/0956A IE83518B1 (en) 2000-11-17 Apparatus and method for exchange rate conversion in card transactions
GB0028083.4 2000-11-17

Publications (2)

Publication Number Publication Date
WO2002039395A2 WO2002039395A2 (en) 2002-05-16
WO2002039395A3 true WO2002039395A3 (en) 2002-07-25

Family

ID=27562580

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IE2001/000142 WO2002039395A2 (en) 2000-11-13 2001-11-13 Transaction processing and inter-computer communications

Country Status (3)

Country Link
EP (2) EP1646016A3 (en)
AU (1) AU1263302A (en)
WO (1) WO2002039395A2 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AUPS033502A0 (en) * 2002-02-05 2002-02-28 Pure Commerce Transaction processing system
NZ539839A (en) 2002-11-07 2008-09-26 Planet Payment Inc Time-of-transaction foreign currency conversion
AU2007100392A4 (en) * 2006-05-16 2007-06-14 Travelex Outsourcing Pty Limited Transaction system supporting dynamic currency conversion

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0251619A2 (en) * 1986-06-26 1988-01-07 Visa International Service Association Portable transaction card
WO1995012169A1 (en) * 1993-10-25 1995-05-04 Visa International Service Association A method and apparatus for disbributing currency
WO1997004411A1 (en) * 1995-07-24 1997-02-06 Citibank, N.A. Customer-directed, automated system for transferring funds between accounts
EP1018711A1 (en) * 1999-07-12 2000-07-12 Mainline Corporate Holdings Limited Dynamic currency conversion for card payment systems

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5852812A (en) * 1995-08-23 1998-12-22 Microsoft Corporation Billing system for a network
ATE214823T1 (en) * 1996-11-14 2002-04-15 Fexco PROCESSING TRANSACTIONS
JPH11242781A (en) * 1998-02-24 1999-09-07 Oki Electric Ind Co Ltd Method for dealing with foreign currency in sale processing by pos terminal

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0251619A2 (en) * 1986-06-26 1988-01-07 Visa International Service Association Portable transaction card
WO1995012169A1 (en) * 1993-10-25 1995-05-04 Visa International Service Association A method and apparatus for disbributing currency
WO1997004411A1 (en) * 1995-07-24 1997-02-06 Citibank, N.A. Customer-directed, automated system for transferring funds between accounts
EP1018711A1 (en) * 1999-07-12 2000-07-12 Mainline Corporate Holdings Limited Dynamic currency conversion for card payment systems

Also Published As

Publication number Publication date
AU1263302A (en) 2002-05-21
EP1656646A2 (en) 2006-05-17
EP1646016A3 (en) 2006-07-05
EP1646016A2 (en) 2006-04-12
WO2002039395A2 (en) 2002-05-16

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