WO2013126960A1 - Système de collecte de reçus électroniques - Google Patents

Système de collecte de reçus électroniques Download PDF

Info

Publication number
WO2013126960A1
WO2013126960A1 PCT/AU2013/000186 AU2013000186W WO2013126960A1 WO 2013126960 A1 WO2013126960 A1 WO 2013126960A1 AU 2013000186 W AU2013000186 W AU 2013000186W WO 2013126960 A1 WO2013126960 A1 WO 2013126960A1
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
customer
message
payment
details
Prior art date
Application number
PCT/AU2013/000186
Other languages
English (en)
Inventor
Stefan GRAMMENOS
Antondiadis KONSTANTINOS
Original Assignee
Bkg Projects Pty Ltd
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 AU2012900759A external-priority patent/AU2012900759A0/en
Application filed by Bkg Projects Pty Ltd filed Critical Bkg Projects Pty Ltd
Publication of WO2013126960A1 publication Critical patent/WO2013126960A1/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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • 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
    • G06Q20/209—Specified transaction journal output feature, e.g. printed receipt or voice output
    • 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction

Definitions

  • EPN Electronic Payment Network
  • POS Point Of Sale
  • the EPN used by merchants will generally accept payment from customers seeking to pay for goods and/or services using a range of payment methods. For example, until recently, customers regularly paid for goods and/or services by use of a credit card wherein the customer's bank or financial institution affords the customers a line of credit and this line of credit may be used by the customers to purchase goods and/or services from merchants.
  • the customers When seeking to purchase goods and/or services using a credit card including a magnetic strip, the customers presents their credit card to the merchant who processes the credit card by "swiping" it through the POS terminal thus obtaining the necessary details of the customer's credit card in order to process and settle the transaction. More recently, customers are electing to use alternative payment methods such as debit cards or pre-paid cards. However, irrespective of the type of payment card selected by a customer, the process and procedure for effecting payment for goods and/or services received from a merchant are substantially the same.
  • a receipt (sometimes referred to as a tax invoice, or invoice/statement etc) which evidences the settlement of the transaction with the merchant and it is incumbent upon the customers to save and store any receipts in the event that a copy of a receipt is required in the future.
  • customer protection legislation usually affords the customers a mandatory period of warranty for goods and/or services provided although, in the event that a customer seeks to avail themselves of the warranty protection, the customers is generally required to provide evidence of the date of purchase of the goods and/or services to prove that they remain within the warranty period relevant to the particular purchase.
  • Further examples of the need to save and store receipts for possible future use include taxation purposes where the customers may be required to provide receipts to their accountant or to their taxation office to prove the purchase of goods and/or services for which they are claiming a taxation deduction.
  • a further complicating factor in relation to the requirements upon customers to save and store receipts is the increasing use of on-line facilities for the purchase of goods and/or services for which a receipt is generally transmitted to the customer's e-mail address.
  • the transmission of receipts to the e-mail address of a customer tempts the customer to simply store the receipts in an e-mail account for possible future use and in the event of a loss of data from the customer's e-mail account or their computer, all electronic receipts received and stored in this manner may be irretrievably lost.
  • the present invention provides a method of collecting electronic receipt data for a transaction between a customer and a merchant where the merchant processes the transaction request over an electronic data communications network, including, receiving account identification details for the customer and payment account details from the customer to process the transaction, associating the account identification details with the payment account details and monitoring the electronic data communications network for a settlement message with the associated account identification detail and copying and transmitting the settlement message to a database for future reference by the customer.
  • the network is monitored by a computer system external to the Electronic Payment Network for the purpose of identifying qualifying transactions (ie those identified with an account identification details associated with a customer) and copying those transactions for subsequent transmission to a receipt database.
  • qualifying transactions ie those identified with an account identification details associated with a customer
  • copying those transactions for subsequent transmission to a receipt database.
  • the invention is applicable to all types of purchase arrangements including on-line purchases where the electronic data communication network is likely to be the internet.
  • the account identification details may of course be entered at various points of in the data communications network, likewise the settlement message may be monitored at various points in the data communications network and subsequently transmitted to the receipt database.
  • the receipt details are preferably saved for future reference by the customer and may be presented to the customer in a preferred format in accordance with the purpose for which the customer requires the details of the transaction.
  • the payment account details may be any type of payment card including a credit card, a debit card, a pre-paid card or a gift card with stored value.
  • the payment account details may include on-line payment arrangements such as SecurePay and PayPal and in the event that a customer prefers to pay for any goods and/or services with cash, the customers may identify the cash transaction with the same account identification details as for other payment arrangement.
  • the customer's account identification details are embodied in a card similar to a customer loyalty card (referred to hereinafter as a PAYGLE account card) that may be processed by the merchant in a manner similar to processing transactions with a credit card or debit card.
  • the PAYGLE account card causes a transaction to occur across an electronic data communications network with a zero transaction amount (as the merchant receives cash for the goods and/or services provided) and the message containing the details of the cash purchase is identified as for other payment arrangements.
  • the processing of a PAYGLE account card is similar to the processing of a merchant loyalty card which is generally "swiped" after processing the customer's credit or debit card.
  • a payment interface device may be provided in the form of an EFTPOS terminal or a CIRRUS terminal connected directly to an Electronic Payment Network.
  • the payment interface device may be a POS terminal connected directly to a data communications network such as the internet.
  • the merchant causes the payment card details to be obtained by the payment interface device and those details may include a range of details relating to the customer for identification of the customer and to associate settled transactions with the customer.
  • the manner in which the merchant causes payment card details to be obtained by a payment interface device depends upon the manner in which the transaction is effected.
  • the merchant may "swipe" the payment card or may hold the payment card in close proximity to the EFTPOS terminal where the payment card is a smart card and the EFTPOS terminal is equipped with the necessary hardware to detect and obtain details from a payment card held in close proximity to the terminal.
  • the merchant may receive payment card details and customer PAYGLE account details on-line directly from the customer entering those details from a keyboard or other data entry device.
  • a settlement message is transmitted to the merchant and the goods and/or services are then exchanged by the merchant for the payment from the customer.
  • the receipt message contains the receipt data that is identified in the data network traffic by use of the PAYGLE account detail associated with the message and is transmitted (along with the PAYGLE account detail) to a receipt database.
  • Monitoring the transmitted settlement message containing receipt data preferably does not interfere with the normal operation of the transaction or the normal generation of a receipt and preferably, this step of the method solely monitors the transmitted settlement messages and captures and records a copy of the message storage and extraction of the receipt data in an external computer system for subsequent analysis of the details of the transaction.
  • the receipt data is subsequently analysed and manipulated to report same in a format preferred by the customer.
  • the customer is preferably provided with an interface to the external computer system hosting a receipt database thus enabling them to access and view receipts pertaining to their transactions and preferably enables the customer to view their receipts in a preferred format, and to effect other useful operations such as the preparation of reports for transactions falling within a prescribed period of time or relating to purchases or transactions pertaining to particular goods and/or services from the merchants or from particular merchants.
  • receipt data Once receipt data has been captured and stored in an external computer system, customers avoid the need to personally and individually save and store their receipts for future reference and are able to format and select receipt data to satisfy various requirements including the reporting requirements for taxation purposes or to satisfy internal organisational requirements.
  • the present invention provides an electronic receipt collection system operable to identify, copy and transmit electronic settlement messages pertaining to a transaction between a merchant and a customer, including, an electronic data communications network operably connected to a merchant transaction system for settling purchase transactions and a computer system operably connected to the electronic data communications network executing computer instruction code to monitor purchase transactions and to identify settlement messages associated with a customer by identification of an associated customer account with the message, copying the settlement message and transmitting the settlement message to a receipt database along with the associated customer account data.
  • the present invention provides computer instruction code which, when executed, performs any one or more of the methods described in this specification.
  • FIG. 1 is a diagrammatic representation of the basic elements of an electronic payment processing system
  • Figure 2 is a diagrammatic representation of an embodiment of a system effecting a transaction where the Payment Interface Device (PID) is connected to both an EPN and the internet;
  • PID Payment Interface Device
  • Figure 3 is a diagrammatic representation of an embodiment of a system effecting a transaction where the POS and PID are connected to the internet and an EPN respectively;
  • Figure 4 is a diagrammatic representation of an embodiment of a system effecting a transaction where the POS is connected to the internet;
  • Figure 5 is a diagrammatic representation of an embodiment of a system effecting a transaction where the POS is only connected to the PID which in turn is only connected to an EPN;
  • FIG 6 is a diagrammatic representation of an embodiment of a system effecting a transaction where the Payment Interface Device (PID) is connected to both an EPN and the internet and the transaction between the POS and PID uses a Supplementary Transaction Card (PAYGLE card);
  • PID Payment Interface Device
  • PAYGLE card Supplementary Transaction Card
  • Figure 7 is a diagrammatic representation of an embodiment of a system effecting a transaction where the POS is only connected to the PID which is turn is only connected to an EPN and the Payment card details are linked to an account in a receipt database;
  • Figure 8 is a diagrammatic representation of an embodiment of a system effecting an on-line transaction where identification of the account from which funds will be provided is supplied to the merchant system and upon settlement of the transaction, a receipt is sent from the merchant online system to a receipt database;
  • Figure 9 is a diagrammatic representation of an embodiment of a system effecting an on-line transaction where identification of the account from which funds will be provided is supplied to the merchant system and upon settlement of the transaction, a receipt is sent from an on-line payment facility provider to a receipt database;
  • Figure 10 is a diagrammatic representation of an embodiment of a system effecting an on-line transaction where identification of the account from which funds will be provided is supplied to an on-line payment facility and upon settlement of the transaction, a receipt is sent from the on-line payment facil ity
  • Figure 11 is a diagrammatic representation of an embodiment of a system effecting an on-line transaction where identification of the account from which funds will be provided is supplied to an on-line payment facility and upon settlement of the transaction, a receipt is sent from the merchant system to a receipt database;
  • Figure 12 is a diagrammatic representation of an embodiment of a system effecting an on-line transaction where identification of the account from which funds will be provided is supplied to an on-line payment facility and upon settlement of the transaction, a receipt is sent from an internet gateway to a receipt database;
  • Figure 13 is a diagrammatic representation of an embodiment of a system effecting an on-line transaction where identification of the account from which funds will be provided is supplied to the merchant system and upon settlement of the transaction, a receipt is sent from an internet gateway to a receipt database;
  • Figure 14 is a diagrammatic representation of an embodiment of a system effecting an on-line transaction where identification of the account from which funds will be provided is supplied to the merchant system by the customer sending account details to the merchant and settlement is effected by the merchant and a receipt is sent to a receipt database;
  • Figure 15 is a diagrammatic representation of an embodiment of a system effecting an on-line transaction where identification of the account from which funds will be provided is supplied to an on-line payment facility and upon settlement, a receipt is sent from the merchant on-line system to a receipt database;
  • Figure 16 is a diagrammatic representation of an embodiment of a system effecting an on-line transaction where identification of the account from which funds will be provided is supplied to an on-line payment facility and upon settlement, a receipt is sent from the on-line payment facility to a receipt database;
  • Figure 17 is a diagrammatic representation of an embodiment of a system effecting an on-line transaction where identification of the account from which funds will be provided is supplied to an on-line payment facility and upon settlement, a receipt is sent from an internet gateway to a receipt database;
  • Embodiments of the present invention will be described with reference to a system, method and apparatus for collecting electronic receipt data pertaining to a settled transaction between a merchant and a customer.
  • embodiments of the present invention may be configured differently to suit the specific requirements of any particular electronic data communications network including the particular requirements of an Electronic Payment Network (EPN) or alternatively a particular payment method. Accordingly, it will be appreciated by skilled readers that variations may need to be made as required to suit specific circumstances although it will also be appreciated that these variations do not depart from the spirit and scope of the invention.
  • EPN Electronic Payment Network
  • the POS terminal may include a CIRRUS terminal or other form of interface between a merchant and the EPN.
  • the EPN may include a data communications connection to other data communication networks such as the internet.
  • a customer seeks to make a payment for goods and/or services to a merchant, they may present an electronic payment card to the merchant who processes payment via the electronic payment card by processing same with their EFTPOS terminal (12).
  • the request for payment is transmitted from the EFTPOS terminal (12) to the Electronic Payment Network (14) and ultimately the request for payment is transmitted to the customer's payment card issuing bank (16).
  • the payment card issuing bank (16) determines whether the customer has sufficient credit and/or funds to settle the transaction with the merchant and transmits a settlement message to the merchant's EFTPOS terminal (12) via the Electronic Payment Network (14). As a result of receipt of the settlement message at the EFTPOS terminal (12) the merchant is advised that the transaction has been settled and provides the goods and/or services to the customer and also provides a receipt to the customer confirming details of the transaction. Eventually, a transfer of funds is effected from the customer's account to the merchant.
  • associating a customer's PAYGLE account number with a transaction allows "PAYGLE transactions" to be identified in electronic network traffic and upon receipt of an authorisation for the transaction to be completed (ie the message confirming settlement of the transaction), the message can be identified and a copy sent to the receipt database and associated with the repository of receipt data saved in respect of the particular PAYGLE account.
  • Entering the customer's PAYGLE account number and associating it with a transaction may occur in different parts of the data communications network.
  • monitoring of the data communications network for settlement details may occur in different parts of the data communications network and may be effected by different components that form part of the network. These components are operably connected to the network and the connection may be a physical connection or wireless such as POS devices that operate either by a physical wired connection or a wirelessly connected POS terminal.
  • PAYGLE transactions the precise point in the network at which settled purchase transactions (referred to herein as "PAYGLE transactions") are identified is different but effectively, any one or more points in a data communications network that carries transaction requests and authorisations may be used to identify settled PAYGLE transactions thus enabling a duplicate of the transaction to be generated and separately transmitted to a receipt database (PAYGLE Website database). It is the data in a settled “PAYGLE transaction” that is referred to as “receipt” or “receipt data” in the description of the embodiments.
  • a diagrammatic representation of an electronic receipt collection system wherein a POS is connected to a PID which in turn is connected to an EPN and the internet.
  • the EPN is connected to a Bank and a receipt database is operably connected to the internet.
  • a customer presents any payment card (i.e. debit or credit card) and the details are provided to the POS by scanning, swiping or tapping the card.
  • the payment card details may also be provided electronically by the customer from a smart-phone or other Personal Digital Assistant (PDA) that may store the customer's "virtual cards”.
  • Information is transmitted from the Point of Sale (POS) to the Payment Interface Device (PID) providing details of the transaction and the payment card details.
  • PID sends the information to the Bank associated with the payment card with a request through the EPN and upon approving the transaction, the Bank sends an authorisation message to the PID by use of the EPN.
  • the PID transmits the transaction details to the receipt database (Paygle) for storage and subsequent access by the customer.
  • the customer may then access their receipt information by accessing the web-site to which the receipt database is operably connected.
  • the customer presents a PAYGLE card (i.e. payment identification card) which also identifies an account in the receipt database belonging to the customer.
  • the PAYGLE card is scanned or the details thereof is typed into the POS device and the customer then attends to settling the transaction via the PID by providing details of a payment card.
  • the PID transmits a request to the Bank associated with the payment card through the connection there between by the EPN.
  • the Bank will consider whether to approve the transaction and upon confirmation that the customer has sufficient credit or available funds, an authorisation message (or settlement message) is transmitted back to the PID through the connection with the EPN.
  • Receipt information is then transmitted to the external online website which is representative of an online receipting data warehouse (i.e. PAYGLE website) via the POS machine.
  • the customer may then access their receipt information via a customer interface to the website.
  • the customer presents a PAYGLE card (i.e. payment identification card) which also identifies an account in the receipt database belonging to the customer.
  • the details of the PAYGLE card is scanned or typed into the POS device and the customer then settles the transaction with CASH. Receipt information is then transmitted to the external online website which is representative of an online receipting data warehouse (i.e. PAYGLE website) via the POS machine.
  • the customer may then access their receipt information via a customer interface to the website.
  • the customer presents a PAYGLE card (i.e. payment identification card) which also identifies an account in the receipt database belonging to the customer.
  • the details of the PAYGLE card is scanned or typed into the POS device or PID and the details are then transmitted to the EPN.
  • the customer attends to settlement of the transaction using any payment card, the details of which are provided to the PID and subsequently transmitted via the EPN to the Bank associated with the payment card and is also transmitted via the EPN to the external online website which is representative of an online receipting data warehouse (i.e. PAYGLE website).
  • PAYGLE website is representative of an online receipting data warehouse
  • the customer presents a PAYGLE card (i.e. payment identification card) which also identifies an account in the receipt database belonging to the customer.
  • the PAYGLE card is scanned or typed into the POS or the PID which is then transmitted to the EPN.
  • the customer elects to settle the transaction with a payment card which is either scanned or swiped etc.
  • the payment card details are transmitted via the PID to the external online website which is representative of an online receipting database (i.e. PAYGLE website).
  • PAYGLE website is representative of an online receipting database
  • Payment cards are linked to an account number associated with a receipt database (i.e. a PAYGLE Account Number) and the customer elects to settle the transaction using any payment card which is scanned or swiped etc at the PID.
  • the payment card details are transmitted to the Bank associated with the payment card and to an online website representative of an online receipt database (i.e. PAYGLE website).
  • Customers may then access their receipt data via a customer interface to the receipt data website.
  • the embodiments detailed in Figures 8 to 17 all relate to on-line purchase of goods and / or services.
  • a customer's PAYGLE account number is associated with the transaction in one form or another.
  • the customer's PAYGLE account is linked to their repository of receipt data stored in a receipt database.
  • the customer's PAYGLE account number is linked to an on-line payment account such as SecurePay or PayPal.
  • an on-line payment account such as SecurePay or PayPal.
  • the provision of a PAYGLE account by the customer at the commencement or during a transaction may automatically provide the on- line payment account details (or access thereto) from which the merchant on-line system (Supplier website) can progress the transaction and commence the settlement process.
  • an on-line payment facilitator such as SecurePay or PayPal
  • a payment authorisation request is transmitted to a Bank or Card Provider through a Gateway.
  • an embodiment of a system where a customer initiates and completes an on-line transaction is illustrated.
  • the customer uses their PAYGLE account for the transaction.
  • a receipt is sent from the merchant online system (Supplier website) to a receipt database (ie the PAYGLE website database).
  • the customer provides their PAYGLE account number to the on-line payment facilitator.
  • the receipt is transmitted to the PAYGLE Website Database from the Supplier Website.
  • the embodiment of Figure 12 is very similar to that of Figure 1 1 expect, the receipt is transmitted to the PAYGLE Website Database from the Gateway.
  • the customer makes an on-line purchase by providing their PAYGLE account details to the merchant on-line system (Supplier Website).
  • the embodiment illustrated in Figure 13 is very similar to the embodiment illustrated in Figure 8 except the receipt is transmitted from the Gateway to the PAYGLE Website Database.
  • the illustrated embodiment includes an on-line purchase arrangement that effects the transaction in accordance with the detailed embodiment of Figure 3.
  • the customer provides their PAYGLE account number to the merchant on-line system (Supplier Website) but in order to settle the transaction, the customer sends their payment card details to the supplier by use of an on-line form or facsimile.
  • the supplier completes the transaction and receives settlement for same in accordance with the embodiment of Figure 3.
  • the customer initiates an on-line purchase using their payment card supplying details of same to the merchant on-line system (Supplier Website). After the transaction is settled, a receipt is sent to the PAYGLE Website Database from the Supplier Website.
  • the customer initiates an on-line purchase and provides their payment card details to an on-line payment facilitator.
  • a receipt is sent from the online payment facilitator to the PAYGLE Website Database.
  • the customer initiates an on-line purchase using their payment card by providing their payment card details to an on-line payment facilitator.
  • a receipt is sent form the Gateway to the PAYGLE Website Database.
  • the present invention provides customers with a solution to the long standing problem associated with providing evidence of purchases of goods and/or services for a range of reasons including warranty validation and taxation return records.
  • the collection of receipts and storage of same in a preferred format for subsequent access by a customer significantly improves the prospects of customers being in a position to provide reliable and accurate records in relation to their purchases.
  • the customers has the facility to selectively share their receipt data with third parties such as their accountant, employer, or government agencies to further reduce the time consuming requirement of providing receipts to such third parties.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

L'invention concerne un système et un procédé de collecte de reçus électroniques, dans lesquels une identité électronique est établie pour un utilisateur qui est associé à un paiement dans un réseau de communication de données électroniques. Le réseau est surveillé pour un message de règlement qui est ensuite relayé à une base de données pour une récupération ultérieure par l'utilisateur.
PCT/AU2013/000186 2012-02-28 2013-02-28 Système de collecte de reçus électroniques WO2013126960A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
AU2012900759A AU2012900759A0 (en) 2012-02-28 Electronic receipt collection system
AU2012900759 2012-02-28

Publications (1)

Publication Number Publication Date
WO2013126960A1 true WO2013126960A1 (fr) 2013-09-06

Family

ID=49081466

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/AU2013/000186 WO2013126960A1 (fr) 2012-02-28 2013-02-28 Système de collecte de reçus électroniques

Country Status (1)

Country Link
WO (1) WO2013126960A1 (fr)

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090271265A1 (en) * 2008-04-28 2009-10-29 Cyndigo, Corp. Electronic receipt system and method
US20100100434A1 (en) * 2008-10-19 2010-04-22 Sock Birame N Global electronic receipt platform for recording, managing and accessing transaction receipts through retailers' physical or internet based point of sale system

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090271265A1 (en) * 2008-04-28 2009-10-29 Cyndigo, Corp. Electronic receipt system and method
US20100100434A1 (en) * 2008-10-19 2010-04-22 Sock Birame N Global electronic receipt platform for recording, managing and accessing transaction receipts through retailers' physical or internet based point of sale system

Similar Documents

Publication Publication Date Title
US20230385797A1 (en) System and method of payment of merchants on behalf of payment card system transaction acquirers
US11941595B2 (en) Systems and methods for point of sale deposits
US20210406905A1 (en) Hosted Thin-Client Interface In A Payment Authorization System
US8407142B1 (en) Managing a universal payment account
CA2695790C (fr) Informations de compte hebergees dans un processeur de paiement
US8662387B1 (en) Host-managed gift card program
US20150019456A1 (en) Receipt insurance systems and methods
US20150242832A1 (en) System and method for recovering refundable taxes
CA2615390A1 (fr) Systeme et procede de delivrance immediate de cartes de transaction
WO2006044392A2 (fr) Systemes et procedes de points de vente pour le paiement de factures de consommateurs
KR20160138429A (ko) 환급 가능한 세금 회수를 위한 시스템 및 방법
KR20140120259A (ko) 구매 행위에 대한 리워드 제공 방법 및 그 장치
US20130013502A1 (en) Facilitation of Transactions Using a Transaction Code
CN102542501A (zh) 银行业务联机处理方法、记录介质、以及移动终端
US20180046999A1 (en) Systems and methods for point of sale deposits
US20130073462A1 (en) Processing a Payment Transaction From a Mobile Device
US20160148174A1 (en) Electronic Fund Transfer Reconciliation and Management Method and Device
US20190205871A1 (en) System and methods for populating a merchant advice code
WO2019074648A1 (fr) Transactions fractionnées autorisées basées sur dese jetons sur le web
WO2013126960A1 (fr) Système de collecte de reçus électroniques
KR102469346B1 (ko) 여신한도 내 지급보증을 이용한 상거래대금 정산시스템
US20130073461A1 (en) Processing a Payment Transaction Involving a Merchant Account and a Customer Account Associated with the Same Enterprise
KR20090036623A (ko) 현금카드를 이용한 실시간 결제 정산 처리방법 및 시스템과이를 위한 프로그램 기록매체
KR102180400B1 (ko) 보안 트랜잭션 프로세싱을 위한 방법들 및 시스템들
EP2839419A2 (fr) Procédé et ensemble de gestion des informations de transaction liées à une transaction électronique

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 13754390

Country of ref document: EP

Kind code of ref document: A1

DPE1 Request for preliminary examination filed after expiration of 19th month from priority date (pct application filed from 20040101)
NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 13754390

Country of ref document: EP

Kind code of ref document: A1