WO2004044822A3 - Time-of-transaction foreign currency conversion - Google Patents

Time-of-transaction foreign currency conversion Download PDF

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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
Application number
PCT/US2003/035553
Other languages
French (fr)
Other versions
WO2004044822A2 (en
WO2004044822B1 (en
Inventor
Philip D Beck
Paul Noblett
Mike Mccormack
Original Assignee
Planet Group 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 Planet Group Inc filed Critical Planet Group Inc
Priority to AU2003295415A priority Critical patent/AU2003295415B2/en
Priority to NZ539839A priority patent/NZ539839A/en
Priority to JP2005507110A priority patent/JP2006513512A/en
Priority to EP03786601A priority patent/EP1579356A4/en
Priority to CA2505078A priority patent/CA2505078C/en
Priority to KR1020127024920A priority patent/KR101573975B1/en
Publication of WO2004044822A2 publication Critical patent/WO2004044822A2/en
Publication of WO2004044822A3 publication Critical patent/WO2004044822A3/en
Publication of WO2004044822B1 publication Critical patent/WO2004044822B1/en
Priority to AU2010241476A priority patent/AU2010241476B2/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
    • 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

A method of performing a time-of-transaction currency conversion from a merchant's local currency to a cardholder's credit card currency is disclosed. The conversion rate is developed by reference to the particular merchant, acquirer, card association and issuer (206,210,212). After a merchant has generated an authorization re quest in the merchant's currency for a transaction by a cardholder in a different currency, the transaction amount in the authorization is converted from the merchant's currency to the currency of the cardholder's issuing currency (208), and optionally modified to include additional fees. The converted authorization request is then transmitted to the appropriate card association (210) and then to the issuing bank (212) for authorization, with a response returned to the merchant (201). The cardholder sees and approves the transaction in the cardholder's currency, and in an amount identical to the amount for which he will be billed.
PCT/US2003/035553 2002-11-07 2003-11-07 Time-of-transaction foreign currency conversion WO2004044822A2 (en)

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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EP1579356A4 (en) 2005-12-28
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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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