WO2004044822A3 - Time-of-transaction foreign currency conversion - Google Patents
Time-of-transaction foreign currency conversion Download PDFInfo
- Publication number
- WO2004044822A3 WO2004044822A3 PCT/US2003/035553 US0335553W WO2004044822A3 WO 2004044822 A3 WO2004044822 A3 WO 2004044822A3 US 0335553 W US0335553 W US 0335553W WO 2004044822 A3 WO2004044822 A3 WO 2004044822A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- currency
- merchant
- cardholder
- transaction
- authorization
- Prior art date
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
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
-
- 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
-
- 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
-
- 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
-
- 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
-
- 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
-
- 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
Priority Applications (7)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU2003295415A AU2003295415B2 (en) | 2002-11-07 | 2003-11-07 | Time-of-transaction foreign currency conversion |
NZ539839A NZ539839A (en) | 2002-11-07 | 2003-11-07 | Time-of-transaction foreign currency conversion |
JP2005507110A JP2006513512A (en) | 2002-11-07 | 2003-11-07 | Foreign currency conversion at transaction |
EP03786601A EP1579356A4 (en) | 2002-11-07 | 2003-11-07 | Time-of-transaction foreign currency conversion |
CA2505078A CA2505078C (en) | 2002-11-07 | 2003-11-07 | Time-of-transaction foreign currency conversion |
KR1020127024920A KR101573975B1 (en) | 2002-11-07 | 2003-11-07 | Time-of-transaction foreign currency conversion |
AU2010241476A AU2010241476B2 (en) | 2002-11-07 | 2010-11-16 | Time-of-transaction foreign currency conversion |
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US42447702P | 2002-11-07 | 2002-11-07 | |
US60/424,477 | 2002-11-07 | ||
US45774203P | 2003-03-26 | 2003-03-26 | |
US60/457,742 | 2003-03-26 |
Publications (3)
Publication Number | Publication Date |
---|---|
WO2004044822A2 WO2004044822A2 (en) | 2004-05-27 |
WO2004044822A3 true WO2004044822A3 (en) | 2005-03-17 |
WO2004044822B1 WO2004044822B1 (en) | 2005-05-26 |
Family
ID=32314540
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2003/035553 WO2004044822A2 (en) | 2002-11-07 | 2003-11-07 | Time-of-transaction foreign currency conversion |
Country Status (9)
Country | Link |
---|---|
US (2) | US7660768B2 (en) |
EP (1) | EP1579356A4 (en) |
JP (3) | JP2006513512A (en) |
KR (2) | KR20050074986A (en) |
AU (1) | AU2003295415B2 (en) |
CA (2) | CA2505078C (en) |
NZ (1) | NZ539839A (en) |
SG (1) | SG172477A1 (en) |
WO (1) | WO2004044822A2 (en) |
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- 2003-11-07 JP JP2005507110A patent/JP2006513512A/en active Pending
- 2003-11-07 EP EP03786601A patent/EP1579356A4/en not_active Ceased
- 2003-11-07 WO PCT/US2003/035553 patent/WO2004044822A2/en active Application Filing
- 2003-11-07 AU AU2003295415A patent/AU2003295415B2/en not_active Ceased
- 2003-11-07 NZ NZ539839A patent/NZ539839A/en not_active IP Right Cessation
- 2003-11-07 CA CA2505078A patent/CA2505078C/en not_active Expired - Fee Related
- 2003-11-07 KR KR1020057008126A patent/KR20050074986A/en not_active Application Discontinuation
- 2003-11-07 US US10/704,342 patent/US7660768B2/en not_active Expired - Fee Related
- 2003-11-07 CA CA2964718A patent/CA2964718C/en not_active Expired - Fee Related
- 2003-11-07 KR KR1020127024920A patent/KR101573975B1/en active IP Right Grant
- 2003-11-07 SG SG2007022668A patent/SG172477A1/en unknown
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2009
- 2009-08-04 JP JP2009181980A patent/JP2009301561A/en active Pending
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2010
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Also Published As
Publication number | Publication date |
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US20100145744A1 (en) | 2010-06-10 |
EP1579356A4 (en) | 2005-12-28 |
SG172477A1 (en) | 2011-07-28 |
US8626660B2 (en) | 2014-01-07 |
JP2009301561A (en) | 2009-12-24 |
NZ539839A (en) | 2008-09-26 |
JP2013127811A (en) | 2013-06-27 |
JP2006513512A (en) | 2006-04-20 |
WO2004044822A2 (en) | 2004-05-27 |
WO2004044822B1 (en) | 2005-05-26 |
EP1579356A2 (en) | 2005-09-28 |
JP5643856B2 (en) | 2014-12-17 |
CA2505078A1 (en) | 2004-05-27 |
AU2003295415B2 (en) | 2010-12-09 |
US7660768B2 (en) | 2010-02-09 |
US20040148255A1 (en) | 2004-07-29 |
KR101573975B1 (en) | 2015-12-02 |
KR20050074986A (en) | 2005-07-19 |
AU2003295415A1 (en) | 2004-06-03 |
CA2964718A1 (en) | 2004-05-27 |
AU2010241476A1 (en) | 2010-12-09 |
KR20120120473A (en) | 2012-11-01 |
CA2964718C (en) | 2018-07-31 |
CA2505078C (en) | 2017-06-27 |
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