WO2006019368A3 - Method and system to process credit card payment transactions initiated by a merchant - Google Patents

Method and system to process credit card payment transactions initiated by a merchant Download PDF

Info

Publication number
WO2006019368A3
WO2006019368A3 PCT/US2004/022742 US2004022742W WO2006019368A3 WO 2006019368 A3 WO2006019368 A3 WO 2006019368A3 US 2004022742 W US2004022742 W US 2004022742W WO 2006019368 A3 WO2006019368 A3 WO 2006019368A3
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
credit card
funds
account
party
Prior art date
Application number
PCT/US2004/022742
Other languages
French (fr)
Other versions
WO2006019368A2 (en
Inventor
Joerg Schleicher
Original Assignee
Ebay Inc
Joerg Schleicher
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 Ebay Inc, Joerg Schleicher filed Critical Ebay Inc
Priority to PCT/US2004/022742 priority Critical patent/WO2006019368A2/en
Priority to US10/941,510 priority patent/US8682784B2/en
Publication of WO2006019368A2 publication Critical patent/WO2006019368A2/en
Publication of WO2006019368A3 publication Critical patent/WO2006019368A3/en
Priority to US14/207,401 priority patent/US20140195436A1/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
    • G06Q20/22—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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

A system, to process credit card payment transactions initiated by a merchant, includes an interface to receive a merchant-initiated request for a transfer of funds from a buyer credit card account. A credit card processing application initiates the transfer of funds from the buyer credit card account to a third-party merchant bank account, held by a third-party payment service. The third-party merchant bank account receives funds from the buyer credit card account on behalf of the merchant. A funds allocation application allocates the received funds to a receiving account of the merchant, the receiving account being maintained by the third-party payment service. The credit card processing application may be virtual point of sale (POS) terminal application, hosted at a server computer system operated by the third-party payment service, and accordingly may be accessible by the merchant via a network.
PCT/US2004/022742 2004-07-16 2004-07-16 Method and system to process credit card payment transactions initiated by a merchant WO2006019368A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
PCT/US2004/022742 WO2006019368A2 (en) 2004-07-16 2004-07-16 Method and system to process credit card payment transactions initiated by a merchant
US10/941,510 US8682784B2 (en) 2004-07-16 2004-09-14 Method and system to process credit card payment transactions initiated by a merchant
US14/207,401 US20140195436A1 (en) 2004-07-16 2014-03-12 Method and system to process credit card payment transactions initiated by a merchant

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2004/022742 WO2006019368A2 (en) 2004-07-16 2004-07-16 Method and system to process credit card payment transactions initiated by a merchant

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US10/941,510 Continuation US8682784B2 (en) 2004-07-16 2004-09-14 Method and system to process credit card payment transactions initiated by a merchant

Publications (2)

Publication Number Publication Date
WO2006019368A2 WO2006019368A2 (en) 2006-02-23
WO2006019368A3 true WO2006019368A3 (en) 2007-11-15

Family

ID=35907817

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/022742 WO2006019368A2 (en) 2004-07-16 2004-07-16 Method and system to process credit card payment transactions initiated by a merchant

Country Status (1)

Country Link
WO (1) WO2006019368A2 (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8668146B1 (en) 2006-05-25 2014-03-11 Sean I. Mcghie Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds
US8684265B1 (en) 2006-05-25 2014-04-01 Sean I. Mcghie Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds
US8763901B1 (en) 2006-05-25 2014-07-01 Sean I. Mcghie Cross marketing between an entity's loyalty point program and a different loyalty program of a commerce partner

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8175938B2 (en) 2004-04-13 2012-05-08 Ebay Inc. Method and system for facilitating merchant-initiated online payments
US8682784B2 (en) 2004-07-16 2014-03-25 Ebay, Inc. Method and system to process credit card payment transactions initiated by a merchant
US10062062B1 (en) 2006-05-25 2018-08-28 Jbshbm, Llc Automated teller machine (ATM) providing money for loyalty points
US9704174B1 (en) 2006-05-25 2017-07-11 Sean I. Mcghie Conversion of loyalty program points to commerce partner points per terms of a mutual agreement

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network

Cited By (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8668146B1 (en) 2006-05-25 2014-03-11 Sean I. Mcghie Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds
US8684265B1 (en) 2006-05-25 2014-04-01 Sean I. Mcghie Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds
US8763901B1 (en) 2006-05-25 2014-07-01 Sean I. Mcghie Cross marketing between an entity's loyalty point program and a different loyalty program of a commerce partner
US8783563B1 (en) 2006-05-25 2014-07-22 Sean I. Mcghie Conversion of loyalty points for gaming to a different loyalty point program for services
US8789752B1 (en) 2006-05-25 2014-07-29 Sean I. Mcghie Conversion/transfer of in-game credits to entity independent or negotiable funds
US8794518B1 (en) 2006-05-25 2014-08-05 Sean I. Mcghie Conversion of loyalty points for a financial institution to a different loyalty point program for services
US8833650B1 (en) 2006-05-25 2014-09-16 Sean I. Mcghie Online shopping sites for redeeming loyalty points
US8944320B1 (en) 2006-05-25 2015-02-03 Sean I. Mcghie Conversion/transfer of non-negotiable credits to in-game funds for in-game purchases
US8950669B1 (en) 2006-05-25 2015-02-10 Sean I. Mcghie Conversion of non-negotiable credits to entity independent funds
US8973821B1 (en) 2006-05-25 2015-03-10 Sean I. Mcghie Conversion/transfer of non-negotiable credits to entity independent funds
US8807427B1 (en) 2012-11-20 2014-08-19 Sean I. Mcghie Conversion/transfer of non-negotiable credits to in-game funds for in-game purchases

Also Published As

Publication number Publication date
WO2006019368A2 (en) 2006-02-23

Similar Documents

Publication Publication Date Title
US7726561B2 (en) System and method for reconciling credit card payments with corresponding transactions
US8682784B2 (en) Method and system to process credit card payment transactions initiated by a merchant
WO2009011992A8 (en) System, method and computer program product for processing payments
WO2005091977A3 (en) Equipment to facilitate money transfers into bank accounts
US20130103576A1 (en) Transaction management system and method
RU2008127393A (en) METHOD AND SYSTEM FOR ORIGINAL AND REPEATED ACCOUNTING OF FUNDS TO PORTABLE CONSUMER DEVICES
WO2004107102A3 (en) Cash payment for remote transactions
WO2007118052A3 (en) Method for universal electronic payment processing
WO2008100813B1 (en) Mobile payment services
US20100332334A1 (en) System and method for sending money to a recipient
EP1388797A3 (en) Methods, apparatus and framework for purchasing of goods and services
WO2006044356A3 (en) On-us cash withdrawal at a point-of-sale
US20220327540A1 (en) Refunding real-time payment transaction via payment card network messaging and settlement
WO2006019368A3 (en) Method and system to process credit card payment transactions initiated by a merchant
WO2008098163A3 (en) Method to facilitate confidential network sales
CN101520930A (en) System and method for realizing acquisition of cross-network accumulated points as long as a bank card user pays through bank card
CA3133527A1 (en) Cross-funds management server-based payment system, and method, device and server
GB2575390A (en) Computer systems, computer-implemented methods and software for processing payouts
CN106779695A (en) For the method for payment and equipment of e-commerce platform
US20150161599A1 (en) Management of complex transactions
RU2656579C1 (en) Method of payment operation (options)
US20200394633A1 (en) A transaction processing system and method
US20160171457A1 (en) Electronic payment system
CN113469672B (en) Online payment account separating method and device, server and storage medium
KR101447474B1 (en) One-Stop Payment Gateway Service Method

Legal Events

Date Code Title Description
WWE Wipo information: entry into national phase

Ref document number: 10941510

Country of ref document: US

WWP Wipo information: published in national office

Ref document number: 10941510

Country of ref document: US

AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BW BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE EG 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 NA NI NO NZ OM PG PH PL PT RO RU SC SD SE SG SK SL SY TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): GM KE LS MW MZ NA 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 PL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase