WO2004008399A2 - Procedes et systemes permettant d'effectuer des transactions par carte de paiement - Google Patents

Procedes et systemes permettant d'effectuer des transactions par carte de paiement Download PDF

Info

Publication number
WO2004008399A2
WO2004008399A2 PCT/IE2003/000101 IE0300101W WO2004008399A2 WO 2004008399 A2 WO2004008399 A2 WO 2004008399A2 IE 0300101 W IE0300101 W IE 0300101W WO 2004008399 A2 WO2004008399 A2 WO 2004008399A2
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
merchant
payment card
currency
transaction record
Prior art date
Application number
PCT/IE2003/000101
Other languages
English (en)
Other versions
WO2004008399A8 (fr
Inventor
Gerard J Barry
John Duffy
Original Assignee
Mainline Corporate Holdings Limited
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 IE20020579A external-priority patent/IES20020579A2/en
Application filed by Mainline Corporate Holdings Limited filed Critical Mainline Corporate Holdings Limited
Priority to AU2003250508A priority Critical patent/AU2003250508A1/en
Priority to EA200500189A priority patent/EA007806B1/ru
Priority to EP03764094A priority patent/EP1535249A2/fr
Priority to JP2004521047A priority patent/JP2005533308A/ja
Priority to CA002494549A priority patent/CA2494549A1/fr
Priority to US10/520,996 priority patent/US8095440B2/en
Priority to NZ537683A priority patent/NZ537683A/en
Publication of WO2004008399A2 publication Critical patent/WO2004008399A2/fr
Publication of WO2004008399A8 publication Critical patent/WO2004008399A8/fr

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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Definitions

  • the present invention relates to card payment systems.
  • the present invention relates to systems and methods for processing payment card transactions in a dynamic currency conversion and/or multi-currency scheme.
  • Dynamic currency conversion overcomes these limitations by performing the currency conversion at the point of sale at the time the customer makes a purchase using their payment card.
  • An example of a dynamic currency conversion system is described in WO01/0486.
  • dynamic currency conversion processes the cardholder is informed at the point of purchase as to what amount they are paying in the cardholder's own currency, whilst the merchant obtains payment in the merchant's own currency. This process is possible because the function of converting from the currency of the merchant to the currency of the cardholder is performed at the point of sale terminal rather than in the computer systems of the bank in which the cardholder has their credit card account.
  • the term bank refers generally to any financial institution, which offers payment card services and may be taken to include, for example, building societies and credit unions.
  • multi currency schemes In addition to dynamic currency conversion schemes, multi currency schemes also operate to perform the currency conversion part of the transaction prior to submitting the transaction records to the banks for processing. However, in a multi currency scheme the conversion process does not necessarily take place at the point or time of sale but is converted subsequently.
  • Payment card transactions are processed and submitted from the merchants to the financial institutions, or an intermediary, as transaction records. Each transaction has an associated transaction record, containing the details of the transaction. Before the introduction of dynamic currency conversion in payment card transactions, an extract of a transaction record would have looked something along the lines of the transaction "A0" shown in Figure 1.
  • the precise fields and formats of fields used may vary from bank to bank.
  • the data in the fields identifies the date of the transaction, the name of the holder of the payment card, the card number of the payment card, the expiry date of the payment card, the name of the merchant who is performing the transaction, the code of the merchant performing the transaction and the amount of the transaction.
  • the additional fields to be captured comprise the converted currency element of the transaction, which may include the converted amount in the currency of the cardholder's payment card account, which the cardholder will see on their statement and the exchange rate used to perform the conversion.
  • the currency of the cardholder may also be required.
  • Normal transactions are processed conventionally typically through the acquiring bank of the merchant, whereas the dynamic currency conversion transactions may be separated from the normal transactions and may be routed to a dynamic currency conversion system , which may be separate from the acquiring bank, for transmission into the card schemes and which may be settled back to the acquiring bank and/or the merchant via a multi-currency payment card processing bank or other route.
  • a multi-currency payment card processing bank is a bank which is capable of processing payment card transactions from merchants in more than one currency.
  • the separation function may be handled by a POS device dispatching normal and/or converted transactions to a first host and normal and/or converted transactions to another host or hosts. The separation function may also be performed before the POS device, at the POS device and/or post the POS device by an acquirer and/or 3 rd party host, server or switch service and/or any other suitable separation means.
  • the normal and dynamic currency conversion transactions need to be amalgamated in some way. Accordingly, for settlement purposes vis a vis the acquirer to the merchant, and likewise the statement from the acquirer to the merchant and/or for related card scheme merchant service fee charges deducted & payable to the acquirer by the merchant, a "ghost copy" of the dynamic currency conversion transactions may be incorporated/sent to the Acquirer's or other third parties host. However, to prevent duplication of debits against the Card Holder, these "ghost copy" transactions must not be processed into the card schemes with the normal transactions. Thus the Acquirer's and/or third parties host systems have to be amended, in addition to modifications to the related accounting thereof.
  • a first embodiment of the invention provides a method for effecting the performance of a payment card transaction for a first transaction amount in a first currency, between a first merchant and a first payment card holder, the method comprising the steps of: a) creating a first payment card transaction record between the first merchant and a second cardholder for the first transaction amount, b) creating a second payment card transaction record between a second merchant and the first cardholder, wherein the second transaction record identifies a second transaction amount in a second currency which equates to the first transaction amount converted into the second currency, and c) submitting the first transaction record and the second transaction record for processing as payment card transactions.
  • the subsequent processing of the second transaction by a dynamic currency conversion operator will not cause a double debit in respect of the first cardholder.
  • the necessity of re- writing an acquirer's software to avoid any such related type double debit is avoided.
  • the acquirer systems do not have to be amended to introduce and/or receive ghost transactions for the purposes of amalgamation and/or calculating service charges for the merchant.
  • the second cardholder may be associated with the second merchant.
  • the step of submitting the first transaction record and the second transaction record for processing may comprise the step of submitting the first transaction record for processing as an unconverted payment transaction.
  • the step of submitting the first transaction record and the second transaction record for processing may comprise the step of submitting the second transaction record for processing as a converted payment transaction.
  • the invention may comprise the additional steps of creating a third payment card transaction record between the second cardholder and the second merchant for an amount in the first currency, which is the negative equivalent of the first amount and submitting the third transaction for payment processing.
  • the third transaction may be submitted as an unconverted payment card transaction.
  • the method may comprise the initial step of determining whether a transaction is a dynamic currency convertible transaction prior to performing the steps of creating the one or more transaction records.
  • the method may comprise the initial step of receiving an indication of a payment card transaction for a first transaction amount in a first currency between a first merchant and a first payment card holder.
  • the method may comprise the step of posting the first and/or second and/or third transactions to the computer system associated with an acquiring bank.
  • the invention also provides a system adapted to effect the performance of a payment card transaction, the system comprising means for receiving details of a transaction for a first transaction amount in a first currency, between a first merchant and a first payment card holder, means for creating a first payment card transaction record between the first merchant and a second cardholder for the first transaction amount, means for creating a second payment card transaction record between a second merchant and the first cardholder, wherein the second transaction record identifies a second transaction amount in a second currency which equates to the first transaction amount converted into the second currency, and means for submitting created transaction records to a host for processing as payment card transactions.
  • the means for submitting created transaction records may be suitably adapted to submit the first transaction record for processing as an unconverted payment transaction.
  • the means for submitting created transaction records may be suitably adapted to submit the second transaction record for processing as a converted payment transaction.
  • the system may comprise means for creating a third payment card transaction record between the second cardholder and the second merchant for an amount in the first currency, which is the negative equivalent of the first amount and submitting the third transaction for payment processing.
  • the means for submitting created transaction records may be suitably adapted to submit the third transaction record for processing as an unconverted payment transaction.
  • the system may comprise means for determining whether a transaction is a dynamic currency convertible transaction prior to performing the steps of creating the one or more transaction records.
  • the system comprises a payment card terminal.
  • the means for receiving details of the transaction for a first transaction amount in a first currency comprises the data entry means of the terminal, including for example smart card readers, magnetic strip readers and keypads.
  • the means for receiving details may include means for retrieving the details of the merchant from the terminal memory.
  • the means for creating the first and second payment transaction records may be implemented using appropriate software routines. The details for the second merchant and cardholder may suitably be stored in the terminal memory and retrieved by the means for creating the first and second payment transaction records as required when creating first and second payment transaction records.
  • the system comprises an intermediate host computer system adapted to receive payment transaction records from a payment card terminal or other device and route them for processing as either converted or unconverted transactions.
  • the means for receiving details of the transaction comprises means for receiving transaction records.
  • the means for creating the first payment card transaction record and the means for creating the second payment card transaction may be implemented as software routines.
  • the host may be an acquirer's host, a multi-currency bank's host, an intermediate host or any other host.
  • an acquirer and/or a multi- currency bank may be one and the same person or entirely separate, i.e. in the acquirer and multi-currency (and/or its/their host) may be one entity, two independent entities within the same bank or two separate banks.
  • Figure 2 is an example of a second transaction record known from the prior art
  • Figure 3 is a block diagram representation of a system suitable for implementing the present invention
  • Figure 4 is a flowchart of a method according to the present invention
  • Figure 5 is an example of a first transaction according to the present invention
  • Figure 6 is an example of a second transaction according to the present invention
  • Figure 7a is an example of a third transaction according to the present invention
  • Figure 7b is an example of a transaction where the two merchant numbers are not the same.
  • the present invention is intended for use within a card payment system, and in particular for use with converted transactions.
  • FIG 3 comprises a number of POS (point of sale) terminal devices 1.
  • the Terminal devices 1 are adapted to perform payment card transactions. Each device is associated with a merchant.
  • an intermediate host 2 acts as an interface between the POS devices and the payment processing systems of the banks and currency conversion schemes.
  • Payment card transactions are conventionally initiated by a cardholder presenting a payment card at the point of sale at the time of making a purchase.
  • the merchant operating the POS device conventionally swipes the payment card through a magnetic strip reader on a POS device, and then enters the amount of the transaction using a keypad.
  • Other methods of performing card transactions e.g. by telephone or the Internet, are well known in the art. The exact manner of entering the payment card details and the transaction details are unimportant in the context of the present invention.
  • the individual payment card transactions may be either a conventional (unconverted) transaction or a converted transaction.
  • a conventional transaction the transaction is performed in the currency of the merchant.
  • the cardholder's bank performs a conversion into the currency of the cardholder's account at the time of posting the transaction to their account. This conversion generally takes place some time, even days, after the initial transaction has been completed.
  • each of the POS devices 1 is adapted to handle conventional and/or converted payment card transactions. For each transaction conducted on a POS device, a transaction record is created and stored on the POS device.
  • An exemplary conventional transaction record 100 is shown in figure 1.
  • the transaction record identifies the date of the transaction 3, the name of the cardholder 4, the card number of the cardholder 5, the expiry date of the card 6, the name of the merchant 7, the merchant code 8 and the transaction amount 9.
  • the transaction record may include other information and fields.
  • An exemplary converted transaction 200 is shown in figure 2.Fields that are the same as those fields described previously for a conventional transaction are given the same reference numerals.
  • the converted transaction has a number of fields corresponding to the fields contained in a conventional transaction, such as the name of the cardholder 4, the card number of the cardholder 5, the expiry date of the card 6, the name of the merchant 7, the merchant code 8 and the transaction amount 9 etc.
  • the converted transaction record may also include other information and fields present in conventional transaction records.
  • the converted transaction record contains data in a number of additional fields, which identify the transaction as being a converted transaction.
  • These fields may include a field to store the transaction amount in the currency of the cardholder 11 and/or a field to store the exchange rate used in the conversion 10.
  • Other fields that may be provided include a currency identifier field for identifying the currency of the cardholder.
  • a conventional transaction could be distinguished from a converted transaction by the absence of data (or the presence of null values) in fields relating to converted transactions, e.g. the converted amount field or exchange rate field.
  • the individual transaction records are uploaded to the intermediate host 2, for example as a batch process at the end of each day or at any time during or at the end of the transaction creation and capture cycle.
  • the POS devices 1 are suitably adapted to communicate with the intermediate host using appropriate communication means, typically by modem over a telephone line.
  • the intermediate host 2 is adapted to receive the transaction records from the POS devices 1 and to process. The intermediate host 2 subsequently forwards the transaction records onto the computer systems associated with acquiring banks, which are ultimately responsible for the processing of the payment card transactions.
  • the intermediate host 2 may perform some checks and verification routines to ensure the accuracy of the records submitted. The intermediate host 2 may then separate the converted transactions from the conventional transactions. The conventional transactions are forwarded for processing in accordance with the methods of the prior art to the merchant's acquiring bank 12, which in turn forwards the transaction to the payment card schemes 13. The card payment schemes 13 ensure that the correct charges are applied to appropriate cardholders' accounts.
  • the converted transactions were forwarded directly to the currency conversion scheme 14 or an associate of the currency conversion scheme to facilitate transactions to be processed through a multi-currency bank 15.
  • the multi- currency bank 15 in turn forwards the transactions to the payment card schemes 13, who in turn apply the charges to appropriate cardholder's accounts.
  • a number of new transaction records are created from each convertible transaction record generated from a POS device, and at least one of these new transaction records is submitted for processing to the merchant's acquiring bank.
  • the exemplary method, illustrated in Figure 4, will now be described with reference to the exemplary converted transaction record 200 shown in Figure 2, which identifies a record for a converted payment card transaction between a merchant and a cardholder for an amount.
  • This converted payment card transaction record may be received by a host from the POS device of the merchant. Once the convertible payment card transaction record is received by a host 400, the host commences generating a number of payment transaction records.
  • a first transaction record is created 401 between the merchant and a second cardholder for the same amount as the received transaction record.
  • This first transaction record identifies an unconverted transaction between the merchant and a second cardholder.
  • An exemplary resulting first transaction record 500 is shown in Figure 5.
  • This newly created first transaction record may be created by amending the received record.
  • the second cardholder identified in the first transaction record 500 is a cardholder account or pseudo cardholder of an intermediary possibly for example the operator or an associate of the operator of the currency conversion scheme.
  • the resulting transaction created effectively creates a debit from the intermediary cardholder to the merchant.
  • This first transaction may subsequently be submitted to the acquiring bank 12 of the merchant for payment processing in the same way as the conventional (unconverted) transaction records.
  • a record will thus exist in the acquiring bank 12 of the merchant showing a credit to the merchant's account.
  • This credit will appear as a conventional payment card transaction between the merchant and a second cardholder (which in the present example is the operator or an associate thereof of the currency conversion scheme).
  • charges, reports and calculations for the merchant may be performed without any requirement for alteration of the software of the acquiring banks or the posting and subsequent removing or "fixing" of ghost transactions.
  • a host creates 402 a second transaction record, illustrated for example in Figure 6.
  • This second transaction record 600 identifies a transaction between a second merchant and the first cardholder.
  • the second merchant is a merchant account associated with the intermediary, which may for example be the operator or an associate of the operator of the currency conversion scheme.
  • the second transaction record 600 is a converted transaction record and thus contains a second transaction amount in a second currency (that of the cardholder) equating to the first transaction amount converted into the second currency.
  • a payment card transaction is effectively created which credits an intermediary or pseudo merchant, possibly, for example, an operator or an associate of the operator of the currency conversion scheme, and debits the cardholder.
  • This second transaction record 600 may be submitted for payment processing, as in the prior art, to the currency conversion scheme 14 for onward submission via a multi-currency bank 15 and subsequently the card schemes 13.
  • the subsequent processing of the second transaction by a dynamic currency conversion will not cause a double debit in respect of the first cardholder.
  • the necessity of re- writing an acquirer's software to avoid any such related double debit is avoided.
  • the acquirer systems do not have to be amended to introduce, cater and/or receive ghost transactions for the purposes of amalgamation and/or calculating service charges for the merchant.
  • the above described method in effect creates two transactions, the net result of which is a debit from the cardholder and a credit to the merchant, with a third party acting as an intermediary and having a merchant account and a cardholder account.
  • the merchant account of the intermediary will accumulate funds (credit), whilst the cardholder account of the intermediary will be debited.
  • the merchant account of the intermediary will accumulate funds (credit), whilst the cardholder account of the intermediary will be debited.
  • a third transaction 700 may be created 403 as shown by example in Figure 7.
  • This transaction represents a conventional payment card transaction between the intermediary's merchant account and the intermediary's cardholder account.
  • This third transaction 700 may be submitted, for example to the merchant's acquiring bank for processing 404.
  • the merchant numbers need not be the same in this invention. In other words the pseudo merchant should be one and the same, but not the merchant number.
  • the crux of the present invention is the conversion of a single payment card transaction into two or more separate payment card transactions (as appropriate) using an intermediary as the join between the two or more separate transactions. It will further be appreciated that this concept may be applied in a number of different ways to achieve the desired end result. For example, the splitting into two or more transactions may be performed at the POS terminal, the intermediate host or a combination of the two
  • MBPMCSP multi-currency banking partner member card scheme processor
  • a further transaction record may be created.
  • the amount of this further transaction herein after referred to as a merchant additional revenue card transaction, would represent the additional revenue to be settled to the merchant.
  • the merchant additional revenue card transaction would be between the second cardholder (described above) or another pseudo cardholder of the operator or an associate of the operator of the currency conversion scheme and the first merchant.
  • the individual additional revenue to be settled to a merchant may be amalgamated into a single merchant additional revenue card transaction record for example at the end of each day, week or month.
  • the merchant additional revenue card transaction record may be posted for processing by the card schemes as a conventional card transaction.
  • a less preferred alternative method would be for the first merchant to have their own cardholder account to which their additional revenue may be settled as described above as a refund from the second merchant or an associated merchant thereof.
  • an additional transaction record may be created to pay the MBPMCSP their fee for handling the transaction.
  • This transaction hereinafter referred to as the MBPMCSP transaction, would represent the fee payable to the MBPMCSP.
  • the MBPMCSP transaction may be between the second cardholder (described above) or another pseudo cardholder of the operator or an associate of the operator of the currency conversion scheme and a merchant (account) associated with the MBPMCSP .
  • the individual fees payable to the MBPMCSP may be amalgamated into a single MBPMCSP card transaction for example at the end of each day, week or month.
  • a less preferred alternative method would be for the MBPMCSP to have their own cardholder account to which their fees may be paid as described above as a refund from the second merchant or an associated merchant thereof.
  • the primary driving factor for implementing dynamic currency conversion is that the operator of the dynamic currency conversion scheme benefits financially from additional revenue.
  • additional revenue does however create an imbalance between the various transactions described above. This may best be explained by way of an example.
  • a nominal €100 transaction is conducted at a point of sale for a Japanese cardholder. This transaction may, for example, be quoted to the cardholder at a rate of 119 ⁇ / € or ⁇ 11 ,900.
  • the ⁇ 11,900 transaction is processed and returned from the Card Schemes via the MBPMCSP to the dynamic currency conversion scheme operator, it may be converted to say €103 by the dynamic currency conversion scheme operator.
  • €100 is effectively routed to the merchant as payment in respect of the transaction whereas the €3 additional revenue is routed to/through the dynamic currency conversion scheme operator.
  • the transaction could be performed as a refund from the cardholder account of the second merchant to a merchant account associated with the dynamic currency conversion scheme operator.
  • the intermediary merchant and/or cardholder may represent the same entity but with distinct merchant ⁇ cardholder accounts for each.
  • the words "comprises/comprising” and the words “having/including” when used herein with reference to the present invention are used to specify the presence of stated features, integers, steps or components but does not preclude the presence or addition of one or more other features, integers, steps, components or groups thereof.

Abstract

L'invention concerne des systèmes de carte de paiement. Plus précisément, l'invention concerne des systèmes et des procédés de traitement de transactions par carte de paiement dans une conversion de monnaie dynamique et/ou un schéma à plusieurs monnaies. Des transactions fantômes sont utilisées de manière à obtenir un fonctionnement correct. Cependant, afin d'empêcher une duplication de débits à l'encontre du détenteur de la carte, des transactions </= DE COPIE FANTôME >/= ne doivent pas être traitées dans les schémas de carte avec les transactions normales. Par conséquent, les systèmes hôtes de l'acquéreur et/ou de tierces personnes doivent être modifiés, en plus des modifications apportées à la comptabilité associée. Afin de palier à cette nécessité, l'invention concerne un procédé permettant d'effectuer la performance d'une transaction par carte de crédit dans une première somme de transaction dans une première monnaie, entre un premier marchant et un premier détenteur d'une carte de paiement. Le procédé comprend les étapes consistant a) à créer un premier enregistrement d'une transaction par carte de paiement entre le premier marchant et un second détenteur de carte pour la première somme de la transaction, b) à créer un second enregistrement d'une transaction par carte de paiement entre un second marchant et le premier détenteur de la carte, le second enregistrement de la transaction identifiant une seconde somme de la transaction dans une seconde monnaie étant égale à la première somme de la transaction convertie dans la seconde monnaie, et à soumettre le premier enregistrement de la transaction et le second enregistrement de la transaction, aux fins d'exécution du traitement sous la forme de transactions par carte de paiement.
PCT/IE2003/000101 2002-07-12 2003-07-14 Procedes et systemes permettant d'effectuer des transactions par carte de paiement WO2004008399A2 (fr)

Priority Applications (7)

Application Number Priority Date Filing Date Title
AU2003250508A AU2003250508A1 (en) 2002-07-12 2003-07-14 Methods and systems for effecting payment card transactions
EA200500189A EA007806B1 (ru) 2002-07-12 2003-07-14 Способы и системы для осуществления операций с платежными картами
EP03764094A EP1535249A2 (fr) 2002-07-12 2003-07-14 Procedes et systemes permettant d'effectuer des transactions par carte de paiement
JP2004521047A JP2005533308A (ja) 2002-07-12 2003-07-14 支払カード取引を行うための方法及びシステム
CA002494549A CA2494549A1 (fr) 2002-07-12 2003-07-14 Procedes et systemes permettant d'effectuer des transactions par carte de paiement
US10/520,996 US8095440B2 (en) 2002-07-12 2003-07-14 Methods and systems for effecting payment card transactions
NZ537683A NZ537683A (en) 2002-07-12 2003-07-14 Methods and systems for effecting payment card transactions

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
IES2002/0579 2002-07-12
IE20020579A IES20020579A2 (en) 2002-07-12 2002-07-12 Methods and systems for effecting payment card transactions
IEPCT/IE03/00002 2003-01-10
PCT/IE2003/000002 WO2004008372A2 (fr) 2002-07-12 2003-01-10 Procede et systemes permettant d'effectuer des transactions par carte de paiement

Publications (2)

Publication Number Publication Date
WO2004008399A2 true WO2004008399A2 (fr) 2004-01-22
WO2004008399A8 WO2004008399A8 (fr) 2005-04-07

Family

ID=30117184

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IE2003/000101 WO2004008399A2 (fr) 2002-07-12 2003-07-14 Procedes et systemes permettant d'effectuer des transactions par carte de paiement

Country Status (6)

Country Link
EP (1) EP1535249A2 (fr)
JP (1) JP2005533308A (fr)
AU (1) AU2003250508A1 (fr)
CA (1) CA2494549A1 (fr)
NZ (1) NZ537683A (fr)
WO (1) WO2004008399A2 (fr)

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7660768B2 (en) 2002-11-07 2010-02-09 Planet Payment, Inc. Time-of-transaction foreign currency conversion
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US7953634B2 (en) 2004-07-12 2011-05-31 Fexco Merchant Services Direct currency conversion
WO2011117134A1 (fr) * 2010-03-26 2011-09-29 Global Blue Currency Choice Holdings Bv Système et procédé de conversion dynamique de devise
WO2012090074A2 (fr) * 2010-12-30 2012-07-05 Kanngard Lars Olof Vérification de l'authenticité du terminal
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2737964A1 (fr) * 2008-11-26 2010-06-03 Smartconnect Holdings Pte Ltd Systeme et procede de fourniture de credit
GR20220100628A (el) 2022-08-01 2024-03-12 Παπαδοπουλος Νικολαος-Ξαφακης Σωτηριος Ομορρυθμη Εταιρεια, Μεθοδος αναπτυξης ανθεκτικων αντιρρυπαντικων νανοεπικαλυπτικων συστηματων με επιπροσθετη ισχυρη αντιμικροβιακη δραση

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
No Search *

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7660768B2 (en) 2002-11-07 2010-02-09 Planet Payment, Inc. Time-of-transaction foreign currency conversion
US7953634B2 (en) 2004-07-12 2011-05-31 Fexco Merchant Services Direct currency conversion
US8671053B2 (en) 2004-07-12 2014-03-11 Fexco Merchant Services Direct currency conversion
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US9123044B2 (en) 2007-01-17 2015-09-01 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
US8762267B2 (en) 2007-03-28 2014-06-24 The Western Union Company Money transfer system and messaging system
US10311410B2 (en) 2007-03-28 2019-06-04 The Western Union Company Money transfer system and messaging system
WO2011117134A1 (fr) * 2010-03-26 2011-09-29 Global Blue Currency Choice Holdings Bv Système et procédé de conversion dynamique de devise
WO2012090074A2 (fr) * 2010-12-30 2012-07-05 Kanngard Lars Olof Vérification de l'authenticité du terminal
WO2012090074A3 (fr) * 2010-12-30 2012-11-01 Kanngard Lars Olof Vérification de l'authenticité du terminal

Also Published As

Publication number Publication date
AU2003250508A1 (en) 2004-02-02
EP1535249A2 (fr) 2005-06-01
JP2005533308A (ja) 2005-11-04
WO2004008399A8 (fr) 2005-04-07
CA2494549A1 (fr) 2004-01-22
NZ537683A (en) 2007-04-27

Similar Documents

Publication Publication Date Title
ZA200500239B (en) Method and systems for effecting payment card transactions
US6826544B1 (en) Automated loan repayment
US20170200140A1 (en) System and method for updating merchant payment data
US7930229B2 (en) Debit card billing system and method
US7188083B2 (en) System for and method of rapid collection of income taxes
US20050177494A1 (en) Method and system for processing electronic financial transactions
US20020032653A1 (en) Method and system for payment over the internet
US20130238454A1 (en) Rapid tax collection system and method
HU219257B (en) Electronic bill pay system, method and network
RU96117523A (ru) Расчетная карточка, терминал (варианты), система и способ безналичных расчетов
US8892468B1 (en) Customer refunds by a merchant agent
WO1999003075A1 (fr) Remboursement de pret automatise
CA2498672C (fr) Procede et systeme de transfert de fonds
US20020002537A1 (en) Simplified bill paying method
US6889200B2 (en) Rapid tax collection system and method for debit-type transactions
WO2004008399A2 (fr) Procedes et systemes permettant d&#39;effectuer des transactions par carte de paiement
IE20020579U1 (en) Methods and systems for effecting payment card transactions
IES83309Y1 (en) Methods and systems for effecting payment card transactions
WO2002101487A2 (fr) Systeme de collecte et de remise
AU2002305414A1 (en) Collection and remittance system
TW200404242A (en) Methods and systems for effecting payment card transactions
JP2012178172A (ja) 資金を移転するための方法及びシステム
IE20020712U1 (en) A method and system for transferring funds
IES20040398A2 (en) Co-ordinated card transaction processing with inter-computer communication

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ OM PH PL PT RO RU SD SE SG SK SL TJ TM TN TR TT TZ UA UG US UZ VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IT LU MC NL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
WWE Wipo information: entry into national phase

Ref document number: 2494549

Country of ref document: CA

Ref document number: 1999/KOLNP/2004

Country of ref document: IN

WWE Wipo information: entry into national phase

Ref document number: 200500239

Country of ref document: ZA

Ref document number: 20038165252

Country of ref document: CN

Ref document number: 2005/00239

Country of ref document: ZA

WWE Wipo information: entry into national phase

Ref document number: 2004521047

Country of ref document: JP

Ref document number: 1020057000581

Country of ref document: KR

WWE Wipo information: entry into national phase

Ref document number: 537683

Country of ref document: NZ

WWE Wipo information: entry into national phase

Ref document number: 2003764094

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 2003250508

Country of ref document: AU

Ref document number: 200500189

Country of ref document: EA

WWE Wipo information: entry into national phase

Ref document number: 10520996

Country of ref document: US

D17 Declaration under article 17(2)a
WWP Wipo information: published in national office

Ref document number: 2003764094

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 1-2005-500063

Country of ref document: PH

WWP Wipo information: published in national office

Ref document number: 1020057000581

Country of ref document: KR