WO2008117171A1 - Procédé de détermination de devise pour une transaction par carte - Google Patents

Procédé de détermination de devise pour une transaction par carte Download PDF

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Publication number
WO2008117171A1
WO2008117171A1 PCT/IB2008/000737 IB2008000737W WO2008117171A1 WO 2008117171 A1 WO2008117171 A1 WO 2008117171A1 IB 2008000737 W IB2008000737 W IB 2008000737W WO 2008117171 A1 WO2008117171 A1 WO 2008117171A1
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
currency
card
payment
determining
Prior art date
Application number
PCT/IB2008/000737
Other languages
English (en)
Inventor
Sunil Sharma
Original Assignee
Pure Commerce Pty 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
Application filed by Pure Commerce Pty Limited filed Critical Pure Commerce Pty Limited
Publication of WO2008117171A1 publication Critical patent/WO2008117171A1/fr

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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
    • G06Q20/08—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
    • G06Q20/04—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
    • G06Q20/30—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
    • G06Q20/347—Passive cards
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • DCC services have a number of advantages, including:
  • This table with mixed single entries and range entries is more efficient than the previous table in terms of saving in storage space and speed of search.
  • DCC dynamic currency conversion
  • the invention consists in a computer implemented method of determining a transaction currency for a card transaction between a card holder and a merchant, the method including the steps of:
  • the method includes the step of allowing the cardholder to confirm the transaction currency.
  • the method includes the step of providing the cardholder with an opportunity to instead proceed with the transaction in the currency of the merchant after the card issuer currency has been selected as the transaction currency.
  • the method includes the step of providing the transaction amount to the customer in the transaction currency prior to completion of the transaction.
  • the method includes the step of using an exchange rate to calculate a transaction amount in the transaction currency, and providing the transaction amount to the customer prior to completion of the transaction.
  • the invention broadly consists in a system for determining a transaction currency for a card transaction between a cardholder and merchant, the system including one or more processors programmed and operable to perform the method as set forth in any one o the preceding statements.
  • Figure 1 is a front view of a credit card
  • Figure 2 is a rear view of a card of Figure 1
  • Figure 3 is a perspective view of a card payment terminal
  • Figure 4 is a schematic diagram of a Global Payment Network
  • FIG. 5 is a flow chart illustrating operation of the present invention.
  • Payment Cards of the type shown in Figures 1 and 2 are well known. They are an embodiment of electronic money, the money which a person already has (Debit Cards) or the money a person borrows (Credit Cards). A typical credit card is shown in Figure 1 (front view) and Figure 2 (rear view).
  • a typical Payment Terminal is shown in Figure 3. It has a mechanism 2 that allows the Payment Card to be swiped, so the Card information can be read into the processing centre of the computer that this device enshrines. It also has a number pad 3, so that a user can key-in the PIN number as a security check, and some other buttons to facilitate the progression and management of payment transactions. All these buttons, together with the card swiping mechanism represent the "Input" of the Payment Terminal, not quite unlike the Keyboard and Mouse of a personal Computer. There is a small LCD screen 4 built into this device for displaying essential messages. This screen represents the Output" of the Payment Terminal, again not quite unlike the screen of a personal Computer. Apart from the Power Cable, this terminal device has another electric cable emanating somewhere from it, this is the "Wire”. All communication with the Acquirer occurs via this Wire. Modern Payment Terminals can communicate wirelessly, the Radio Link being the invisible "Wire”.
  • a Payment Terminal is not limited to a device having the physical appearance of the device shown in the picture. Any programmable computing device that has necessary Input, Output and remote communication mechanism, passes security requirements, and is approved by the Acquiring Bank or Acquiring Network (Acquirer, please see below) will constitute a Payment Terminal.
  • Track 2 is most important from transaction processing point of view. This is how the data on a typical Track 2 on a Payment Card appears :
  • the train of digits behind is security information required by bank to verify its authenticity.
  • Payment Card Business in the context of Payment Card Business represents the agency that accepts Payment Card as a mode of making payments, and has the means to handle such payments.
  • Payment Cards are issued and accepted globally.
  • the merchant needs a local agency to handle all types of Cards, regardless of their origin. They need a single agency to settle with them all their transactions. This role is filled by an Acquirer, typically a Bank.
  • the Merchant's Payment Terminal connects electronically with the local Acquirer, and pushes all the Card Transactions into the Acquirer's Payment Network for Authorization and subsequent Settlement (see below).
  • An Issuer is a Card Scheme member, typically a Bank, that sells or issues Payment Cards to individual customers.
  • Card Schemes typically a Bank, that sells or issues Payment Cards to individual customers.
  • Card Schemes like MasterCard and VISA are well known. They are responsible for creation of various schemes, specifications, processing networks, management of transaction operations, settlement of funds between different parties, enforcement of policies and procedures etc. They motivate Banks and other financial businesses to become their members and sell Payment Cards branded by them.
  • Card Schemes divide the total available set of numbers into different ranges or intervals, and allow members to issue card numbers within those intervals only. It is the issuing member's responsibility to ensure uniqueness within its own range.
  • a Credit Card Scheme would use the most significant 6 digits (i.e. the first 6 digits of the card number) to manage allocation between its members, and leave the rest of the digits for the members to manage themselves.
  • the six digit number, representing the most significant six digits of a payment card is called Bank Information Number or BIN.
  • Card Schemes have been pre-allocated the first couple of digits, and they have to manage their BINs subject to this constraint.
  • VISA cards must begin with first two digits between 40 and 49, a MasterCard must begin with first two digits between 51 and 55. This still leaves the Card Schemes with tens of thousands of BINs for allocation amongst their members, and hundreds of thousands or millions of numbers are available against each BIN for allocation to Payment Card Holders.
  • BINs are always country specific and this is the rule. While a multinational bank may be issued multiple BINs for use in a particular country, it may not use a particular BIN in multiple countries.
  • ISO 8583 is the message exchange protocol that drives or underlies virtually all Payment Networks in the world. This protocol specifies exactly what kinds of transactions are possible, the parameters that need to be exchanged between various parties, and how they should be formatted. The following refers to the 2003 edition of ISO 8583, from the Annex F, "Summary of Changes made to ISO8583:1993". It is apparent that it holds good for 1993 edition, and possibly for earlier editions, although the article numbers might be different.
  • FIG. 4 A schematic organization (simplified version), of a Global Payment Network is shown Figure 4.
  • Payment Terminals 20 and ATMs 21 owned or licensed by banks are linked up with the Bank's processing Centre 24 via phone lines, or wirelessly as shown in the Figure.
  • the Bank's Processing Centre links up with Card Scheme Networks 26 via computers called Routing Hosts 25.
  • the Card Scheme Networks shown in Figure 4 (as clouds) are typically collections of thousands of such Routing Hosts. These Routing Hosts contain BIN versus Issuer mappings, so that they can send different transactions to appropriate Issuers e.g. issuing Bank A, issuing Bank B (refer to the other end of cloud in Figure 4, near the bottom). Once a transaction hits the Issuer Host, it is authorized there, and the result is sent back (via the Card Scheme network).
  • Authorization is the process whereby a transaction request is sent to the Card Issuer, and an approval received.
  • the idea is to establish availability of funds in the Payment card account. It may be followed by a Settlement request which results in the Card Holder account getting debited.
  • the Equivalent amount is paid by the Issuer to the Card schemes, who pay it to the Acquirer who in turn pays it to the Merchant. The Card Holder sees this debit in her (typically) monthly bill from the Card Issuer.
  • a standard payment card transaction progresses as follows:
  • the Card is swiped at the Payment Terminal and Card Number and Expiry are entered into Terminal's processing area. If the magnetic stripe of the Card is worn out, or the terminal swiper doesn't work, the Card Number and Expiry Date can be keyed into the Terminal.
  • the amount of transaction is entered into the Terminal.
  • the Terminal casts the transaction information into requisite format and sends it to the Acquirer.
  • the Acquirer Host looks at the Card information, and determines the Card Scheme (as mentioned before, the first two digits of the card number contain this information).
  • the Acquirer Host pushes the transaction into the Card Scheme Network.
  • the Routing Host in the Scheme's Network looks at the BIN of the Card Number, and identifies the Issuer of the Card (as noted before, since BINs are country specific, this identification embodies the country specific branch of the Issuer, for example Citibank Hong Kong, or Citibank Australia etc, not just Citibank).
  • the Card Scheme Network sends the transaction to the Issuer Host.
  • the Issuer Host checks to see if funds are available, and if "yes", approves the transaction.
  • the Issuer Host sends the result of the transaction to Card Scheme Network, which in turn sends it to the Acquirer Host, and it eventually reaches the Merchant payment Terminal.
  • the transaction result displays on the terminal, and the transaction receipt prints.
  • the customer is asked to sign it as a means of authentication, unless he entered some kind of PIN number in the course of the transaction.
  • Electronic Payment Networks from a computer perspective, link up and represent collections of a range of (human) user interface devices like EFTPOS devices, Automatic Teller Machine (ATMs), Web Payment Pages etc with transaction processing and accounting systems of Payment Card Schemes like Visa and MasterCard and Banks like American Express or Bank of New Zealand.
  • the afore-mentioned human interface devices are collectively called Terminal Devices.
  • Terminal Devices could be real, as in case of ATMs which need to dispense cash, or virtual, like Web Payment Pages. This distinction arises from the fact that for real devices, the terminal transaction management hardware and software is located locally, whereas for virtual devices, it is elsewhere on the network.
  • a Terminal Device may have features from both varieties wherein part of the terminal side of transaction computing occurs on the device, the rest occurs elsewhere on the network (background devices).
  • most real Terminal Devices on Electronic Payment Networks
  • Most Virtual Terminal Devices are driven remotely by programmable electronic computers.
  • the terminal devices manage human user interaction and electronic communications to capture all the information required for processing a transaction, send this information electronically to the card scheme or bank's accounting system, and convey the result to the human user at the end of the transaction.
  • the present invention does not require BIN or similar information to be stored in or at the hand held terminal, or be specifically retrieved by a request separate from the usual transaction process. Instead, a new method is provided which makes use of the standard information provided by the electronic payment system network, or card scheme network, in response to a standard transaction authorization request. This new method greatly simplifies the process and reduces the resources required by the hand held terminal.
  • the present invention proposes the following process flow.
  • Track 2 data is obtained from the card through a card swipe operation for example in step 51 (or by simply keying in the card number and/or other information), and the merchant begins to process the transaction in step 52. Then, in step 53, rather than requesting authorization at a later time, a conventional transaction authorization request is now sent to the electronic payment system network as described above.
  • the payment network responds to the authorization request in step 54 with an issuer response packet containing data derived from the card issuer.
  • This packet contains information sufficient to authorize (or decline) the transaction, and also contains further information that typically includes one or more of the following: Country names, telephone numbers, card issuer currency.
  • the "home" currency of the card can be determined directly or indirectly in step 55 as the data returned in the response packet includes currency or geographic information relating to the card. For example if the issuer currency is returned in the issuer response packet, then the currency is known directly. If the telephone number is returned, then the leading digit(s) will also indicate the currency. Thus the data in the issuer response packet is analysed or searched to locate fields which indicate the country (or actual currency) of the card issuer. The data from one or more of those fields is then used to make a determination of the card issuer currency i.e. the "home currency" of the card.
  • the currency determination can be made by comparing the leading digits of the telephone number with international telephone dialing prefixes tabulated or mapped to a related country code.
  • the country code can in turn be used to directly identify the appropriate currency.
  • a country name is returned, then this can be compared with a table of country names that relates the names to a country (or directly to a currency) code.
  • the data that is returned in the response packet can be identified as to whether it represents a telephone number, country name, address, or currency for example by field identifiers in the packet.
  • step 56 the issuer currency as determined in the preceding step is compared with the currency of the merchant. If it is the same, then the transaction is processed in the currency of the merchant (step 57). If the issuer currency is not the same as the merchant's currency, then the card holder is offered the option of allowing the transaction to proceed in the issuer currency in step 58. Alternatively, if the issuer currency is not the same as the merchant's currency, then the transaction automatically proceeds in the determined issuer currency.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Procédé exécuté par ordinateur de détermination d'une devise pour une transaction par carte entre le possesseur d'une carte et un commerçant, ce procédé comprenant les étapes suivantes : a) envoi d'une demande d'autorisation de transaction sur un réseau de paiement électronique (53) ; b) réception des données de réponse de l'émetteur en réponse à la demande d'autorisation (54) ; c) détermination de la devise de l'émetteur de la carte à partir des données de réponse (55) ; d) sélection de la devise de l'émetteur de la carte en tant que devise utilisée pour la transaction (56, 57, 58).
PCT/IB2008/000737 2007-03-28 2008-03-28 Procédé de détermination de devise pour une transaction par carte WO2008117171A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NZ554222 2007-03-28
NZ554222A NZ554222A (en) 2007-03-28 2007-03-28 A system for managing transactions in a foreign currency at point of sale

Publications (1)

Publication Number Publication Date
WO2008117171A1 true WO2008117171A1 (fr) 2008-10-02

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PCT/IB2008/000737 WO2008117171A1 (fr) 2007-03-28 2008-03-28 Procédé de détermination de devise pour une transaction par carte

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WO (1) WO2008117171A1 (fr)

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2478993A (en) * 2010-03-26 2011-09-28 Global Blue Currency Choice Holdings Bv Dynamic currency conversion
EP2457200A2 (fr) * 2009-07-22 2012-05-30 Visa International Service Association Appareil comprenant un support de données pour autoriser une opération de paiement au moyen de données d'acceptation
EP2482244A3 (fr) * 2011-01-28 2012-09-12 Mastercard International, Inc. Procédé et système pour déterminer la fraude dans une transaction en l'absence de carte
EP2688026A1 (fr) * 2012-07-19 2014-01-22 Dagny Halldorsdottir Procédé permettant d'effectuer une transaction mobile et système permettant d'effectuer une transaction mobile
WO2014207460A1 (fr) * 2013-06-25 2014-12-31 Apricot Square Ltd Carte multidevises
WO2015008084A1 (fr) * 2013-07-19 2015-01-22 Barclays Bank Plc Système d'offre de rabais
WO2015008086A1 (fr) * 2013-07-19 2015-01-22 Barclays Bank Plc Système de paiement
EP2941745A4 (fr) * 2013-01-02 2016-07-06 Mastercard International Inc Procédés et systèmes permettant d'atténuer les pertes dues à la fraude lors de transactions par carte de paiement
EP2984613A4 (fr) * 2013-04-11 2016-12-07 Mastercard International Inc Système et procédé de fourniture de programmes de carte multinationale
CN107924518A (zh) * 2015-08-21 2018-04-17 三星电子株式会社 在保持用户的匿名性时基于来自多个支付网络的聚合信息进行风险管理的方法和装置

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1018711B1 (fr) * 1999-07-12 2001-12-05 Mainline Corporate Holdings Limited Conversion dynamique de monnaie pour systèmes de paiement à carte
US20020174031A1 (en) * 2001-03-06 2002-11-21 Andrew Weiss System and method for processing multi-currency transactions at a point of sale
US20060022032A1 (en) * 2004-06-17 2006-02-02 First Data Corporation ATM machine and methods with currency conversion capabilities

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1018711B1 (fr) * 1999-07-12 2001-12-05 Mainline Corporate Holdings Limited Conversion dynamique de monnaie pour systèmes de paiement à carte
US20020174031A1 (en) * 2001-03-06 2002-11-21 Andrew Weiss System and method for processing multi-currency transactions at a point of sale
US20060022032A1 (en) * 2004-06-17 2006-02-02 First Data Corporation ATM machine and methods with currency conversion capabilities

Cited By (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2457200A2 (fr) * 2009-07-22 2012-05-30 Visa International Service Association Appareil comprenant un support de données pour autoriser une opération de paiement au moyen de données d'acceptation
EP2457200A4 (fr) * 2009-07-22 2013-03-20 Visa Int Service Ass Appareil comprenant un support de données pour autoriser une opération de paiement au moyen de données d'acceptation
GB2478993A (en) * 2010-03-26 2011-09-28 Global Blue Currency Choice Holdings Bv Dynamic currency conversion
EP2482244A3 (fr) * 2011-01-28 2012-09-12 Mastercard International, Inc. Procédé et système pour déterminer la fraude dans une transaction en l'absence de carte
EP2688026A1 (fr) * 2012-07-19 2014-01-22 Dagny Halldorsdottir Procédé permettant d'effectuer une transaction mobile et système permettant d'effectuer une transaction mobile
WO2014013071A1 (fr) 2012-07-19 2014-01-23 Halldorsdottir M Dagny Procédé et système de mise en oeuvre d'une transaction mobile
EP2941745A4 (fr) * 2013-01-02 2016-07-06 Mastercard International Inc Procédés et systèmes permettant d'atténuer les pertes dues à la fraude lors de transactions par carte de paiement
US9858571B2 (en) 2013-01-02 2018-01-02 Mastercard International Incorporated Methods and systems for mitigating fraud losses during a payment card transaction
EP2984613A4 (fr) * 2013-04-11 2016-12-07 Mastercard International Inc Système et procédé de fourniture de programmes de carte multinationale
WO2014207460A1 (fr) * 2013-06-25 2014-12-31 Apricot Square Ltd Carte multidevises
WO2015008084A1 (fr) * 2013-07-19 2015-01-22 Barclays Bank Plc Système d'offre de rabais
WO2015008086A1 (fr) * 2013-07-19 2015-01-22 Barclays Bank Plc Système de paiement
CN107924518A (zh) * 2015-08-21 2018-04-17 三星电子株式会社 在保持用户的匿名性时基于来自多个支付网络的聚合信息进行风险管理的方法和装置
US10891620B2 (en) 2015-08-21 2021-01-12 Samsung Electronics Co., Ltd. Method for risk management based on aggregated information from multiple payment networks while maintaining anonymity of user

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