WO2015080725A1 - Procédé et système facilitant les transactions de paiement par carte multidevises - Google Patents

Procédé et système facilitant les transactions de paiement par carte multidevises Download PDF

Info

Publication number
WO2015080725A1
WO2015080725A1 PCT/US2013/072221 US2013072221W WO2015080725A1 WO 2015080725 A1 WO2015080725 A1 WO 2015080725A1 US 2013072221 W US2013072221 W US 2013072221W WO 2015080725 A1 WO2015080725 A1 WO 2015080725A1
Authority
WO
WIPO (PCT)
Prior art keywords
currency
balances
transaction amount
balance
transaction
Prior art date
Application number
PCT/US2013/072221
Other languages
English (en)
Inventor
Mike SIEGEL
Bill GREEN
Mark A. RUDNIK
Greg KUNKEL
Mark W. KIMBALL
Geralyn M. WRIGHT
Kimberly SHANE
Gail Anne RIZZO
Michael Rudy VONWALD
Robert Joseph ULE
Maureen Farrell
Sandie MORRIS
Randy LOMBARD
Allan LOUSHIN
Original Assignee
Hewlett-Packard Development Company, L.P.
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 Hewlett-Packard Development Company, L.P. filed Critical Hewlett-Packard Development Company, L.P.
Priority to PCT/US2013/072221 priority Critical patent/WO2015080725A1/fr
Priority to TW103137392A priority patent/TW201528168A/zh
Publication of WO2015080725A1 publication Critical patent/WO2015080725A1/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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Definitions

  • FIG. 1 is a simplified conceptual diagram of a system for facilitating multi-currency payment transactions according to an example implementation.
  • FIG. 2 is a simplified block diagram of the multi-currency payment transaction system according to an example implementation.
  • FIG. 3 is a sample illustration of the card identifier and currency hierarchy used to facilitate multi-currency payment transactions according to an example implementation.
  • FIG. 4 illustrates a sequence diagram of the processing steps for facilitating a multi-currency payment transaction according to an example implementation.
  • FIG. 5 illustrates a simplified flow chart of the processing steps for facilitating a multi-currency payment transaction according to an example implementation.
  • FIG. 6 illustrates another simplified flow chart of the processing steps for facilitating a multi-currency payment transaction according to an example implementation.
  • Prior attempts to eliminate various fees associated with foreign card transactions include multi-currency prepaid cards, which allow cardholders to pre- purchase funds in specific currencies for the countries being visited.
  • multi-currency prepaid cards One problem associated with multi-currency prepaid cards is that the card is too dependent on the balance of each individual currency such that goods and services may only be purchased if the requisite purchase amount exists in a single currency balance.
  • Other solutions calculate the cumulative balance of all currencies loaded on the prepaid card and only authorize the transaction if the cumulative net balance exceeds the transaction amount by a predetermined amount (e.g., cumulative balance exceeds transaction amount by more than five dollars in order to cover conversion fees).
  • Example implementations provide an improved system and method for facilitating multi-currency payment transactions by allowing cardholders to access funds across ail currency balances on the card for a single purchase.
  • implementations described herein convert the stored balances to a purchase currency and authorize transactions based on a hierarchy associated with the stored balances.
  • the present configuration serves to provide a user-friendly experience to the cardholder as the risk of being declined is eliminated if one or more of the currency balances on the card will cover the cost of the good and service being purchased.
  • FIG. 1 is a simplified conceptual diagram of a system for facilitating multi-currency payment transactions according to an example implementation.
  • the system 100 includes a merchant terminal 105 in communication with a host server 1 10 over a network 125.
  • the merchant terminal 105 represents a point-of-sale (POS) terminal or device utilized by a retailer to process card payments for the purchase of goods or services.
  • the merchant terminal 105 may include a magnetic strip reader, near field communication (NFC) enabled device, Europay, Mastercard, and Visa (EMV) chip-based device for integrated circuit (IC) cards, or similar data-exchange protocol and device for reading data associated with the multicurrency card belonging to an operating user 102.
  • NFC near field communication
  • EMV Europay, Mastercard, and Visa
  • server 1 10 represents a financial institution or host service provider configured to authorize the transaction associated with a particular user account. More particularly, and as will be described in further detail with reference to figures below, the host server 1 10 may receive a payment authorization request from the merchant terminal via network 125 and send a payment authorization to the merchant terminal for completing the purchase if one or more currency balances associated with the user's account exceeds the purchase amount.
  • FIG. 2 is a simplified block diagram of the muiti-currency payment transaction system according to an example implementation.
  • FIG. 2 is a simplified block diagram of the system implementing the transparent layer for a touch-enabled computing device according to an example of the present disclosure.
  • the system 200 includes a POS terminal 215 in communication with service provider 210 over internetwork 225.
  • the POS terminal 205 includes a card processing unit 207 for reading (e.g., via a magnetic strip) the data from the muiti-currency card.
  • card identify information associated with the user along with the purchase amount of the transaction may be transmitted to the service provider 210 via communication interfaces 208, 218 and network 225.
  • Service Provider 210 represents a computing architecture having at least one computer system or host server, which may be operational with numerous other general purpose or special purpose computing system environments or configurations and may include, but is not limited to, personal computer systems, server computer systems, mainframe computer systems, laptop devices, multiprocessor systems, microprocessor-based systems, network personal computers, and distributed cloud computing environments that include any of the above systems or devices, and the like.
  • the host server provider system 210 may be described in the genera! context of computer system-executable instructions stored on a computer readable storage, such as program modules, being executed by a computer system.
  • the host server or service provider 210 may be associated with a financial institution and further includes a processing unit 212, user profile database 216, and a currency converter module 217.
  • Processor 207 may be, at least one central processing unit (CPU), at least one semiconductor-based microprocessor, at least one graphics processing unit (GPU), other hardware devices suitable for retrieval and execution of instructions stored in machine-readable storage medium 214, or combinations thereof.
  • the processor 212 may include multiple cores on a chip, include multiple cores across multiple chips, multiple cores across multiple devices, or combinations thereof.
  • Processor 212 may fetch, decode, and execute instructions to implement the approaches of the multicurrency payment system.
  • processor 212 may include at least one integrated circuit (IC), other control logic, other electronic circuits, or combinations thereof that include a number of electronic components for performing the requisite functionality.
  • IC integrated circuit
  • Machine-readable storage medium 214 may be any electronic, magnetic, optical, or other physical storage device that contains or stores executable instructions.
  • machine-readable storage medium may be, for example, Random Access Memory (RAM), an Electrically Erasable Programmable Read-Only Memory (EEPROM), a storage drive, a Compact Disc Read Only Memory (CD-ROM), and the like.
  • RAM Random Access Memory
  • EEPROM Electrically Erasable Programmable Read-Only Memory
  • CD-ROM Compact Disc Read Only Memory
  • the machine-readable storage medium can be non-transitory.
  • machine- readable storage medium 214 may be encoded with a series of executable instructions for facilitating the multi-currency payment transaction.
  • the user profile database 216 includes information pertaining to a registered user account.
  • user profile data may include credit or debit card information and a plurality of account balances in varying currencies and associated with a particular user.
  • the user profile data 216 may be continually updated by the user accessing the host server 210 remotely or automatically as purchases are made on the user account and an associated currency balance.
  • Currency converter module 217 includes instructions for converting a currency balance to a purchase currency associated with a transaction amount.
  • the currency converter module 217 may be utilized by the processing unit to pull (e.g., via online sources) real-time (e.g., at the time of the authorization request) conversion rates for calculating the conversion from one currency to another; and namely conversion of a currency balance to a purchase currency, or a purchase currency to a primary currency balance for example.
  • the currency conversion module may convert a user account balance of £20.00 EUR to $35.00 USD given a conversion rate of 1.75 and a transaction amount in a USD currency.
  • FIG. 3 is a sample illustration of the card identifier and currency hierarchy used to facilitate multi-currency payment transactions according to an example implementation.
  • the multi-currency card 302 may inciude an identifier 320 such as a credit card number, finger print reader, or similar user or card identifying means.
  • the user's card may be linked to multiple funded balances with various currency denominations (currency balances 322a - 322d).
  • the funded currency balances may include Euros (EUR) 322a, Australian Dollars (AUD) 322b, British Pounds (GBP) 322c, and United States Dollars (USD) 322d.
  • These different currencies may also be set in hierarchical order by the user from a primary or highest priority level (e.g., Level 1 EUR) to a lowest priority level (e.g., Level 4 USD) based on the number of currencies funded by the user.
  • a primary or highest priority level e.g., Level 1 EUR
  • a lowest priority level e.g
  • transactions are approved by the host server if there are sufficient funds within one or more, but not necessarily all, of the currency balances (e.g., 322a - 322d) of the user account. More particularly, one or more of the currency balances 322a - 322d may be converted to the purchase currency associated with the payment transaction in the event that none of the currency balances 322a - 322d match the purchase currency, or if the matching currency balance is less than the transaction amount.
  • the multi-currency payment system may enable a single currency card setup that allows a cardholder to nominate one currency balance on their card. In this example, as funds are loaded on the card they are converted to the nominated currency.
  • FIG. 4 illustrates a sequence diagram of the processing steps for facilitating a multi-currency payment transaction according to an example implementation.
  • the user funds the multi-currency card 402 with a plurality of varying currency balances (e.g., USD, EUR, GBP), and also establishes a currency hierarchy or ranking order for each of the balances in segment 452.
  • a financial institution e.g., USD, EUR, GBP
  • the user may fund the card 402 at a financial institution or by registering and logging onto a web site hosted by the financial institution (i.e., host server) via a user interface and web-based browser of a client device.
  • the user may then designate various currencies to be funded onto their multi-currency card using their bank routing information or another credit card for example.
  • the user log-in information, card identifier information, and currency balance information are saved on the host server 410 as user profile data.
  • an authorization request for payment is sent from the merchant 405 to the host server 410 in segment 458.
  • the host server 410 Upon receiving the payment authorization request in segment 460, the host server 410 is configured to reference the user profile database and account information associated with the payment authorization request (e.g., via the card identifier information within request) and, if necessary, convert one or more currency balances to the purchase currency in segment 462.
  • the host 410 confirms the availability of sufficient funds in one currency balance or a combination of multiple currency balances based on the hierarchical order established by the user. Once validated in segment 464, a payment authorization is sent from the host server 410 to the POS terminal 405, which completes the purchase transaction in segment 468.
  • a cardholder may nominate GBP as the primary currency (i.e., highest-ranked currency in hierarchy) and fund their multicurrency card with the following balances and priority levels:
  • the host sever will approve the transaction without performing a currency conversion since the primary currency balance (i.e., Level 1 GBP) matches the purchase currency and exceeds the purchase amount by £25.00 GBP.
  • the system will first check across the currency balances for a matching currency. In the present example, the host server will deduct $200.00 AUD from the Level 2 currency balance ($200.00 AUD) and reduce the transaction amount to $100.00 AUD.
  • the highest-ranked and funded currency balance is then retrieved by the system.
  • the remaining Level 1 currency balance of £5.00 GBP is then converted to $50.00 AUD (e.g., using a real-time GBP to AUD conversion rate of 2.0), and the Level 1 currency balance and transaction amount are reduced accordingly.
  • the system determines that an additional currency balance will be needed to cover the remaining transaction balance of $50.00 AUD. Therefore, the next highest-ranked and funded currency balance (Level 3) of $50.00 USD is then converted to $50.00 AUD (e.g., using a real-time USD to AUD conversion rate of 1.0).
  • the system will deduct the converted $50.00 AUD from both the Level 3 currency balance and the transaction amount such that Level 3 currency balance is exhausted and the purchase amount is fulfilled. Consequently, the host server sends an approval or authorization message to the POS terminal to complete the transaction.
  • the user may fund the multi-currency card as follows below:
  • the host server may require that the full value of the transaction amount is satisfied or exceeded by a single currency balance without calculating the cumulative value across all currency balances associated with the user account.
  • the host server may look at each currency balance for one that matches the purchase currency (USD).
  • USD purchase currency
  • the host server may determine that since the matching (instant or target) Level 3 currency balance is only $75.00 USD; there are insufficient funds to cover the full transaction amount.
  • the transaction currency of $100.00 USD may then be converted to the currency of the nominated or highest-ranked currency balance (i.e., GBP LeveH ) or £62.50 GBP (e.g., using a GBP to USD conversion rate of 1.6) and compared with the actual Level 1 currency balance of £5.00 GBP. Since there are insufficient funds in the GBP balance to cover the full transaction amount, the host server and processing unit proceed to check the next hierarchical currency balance or priority level (i.e., Level 2). Here, the $100.00 USD purchase amount is converted to $94.00 AUD (using a 0.94 AUD to USD conversion rate) and compared with the AUD balance of $100.00.
  • GBP LeveH the currency of the nominated or highest-ranked currency balance
  • £62.50 GBP e.g., using a GBP to USD conversion rate of 1.6
  • each currency balance may instead be converted to the purchase currency, and the transaction amount may be also be reduced by each currency balance rather than the system searching for a single currency balance that satisfies the entire purchase amount.
  • the currency balances of the user account may be converted to the purchase currency when none of the currency balances of the user account match the purchase currency.
  • the host server may look at each currency balance for one that matches the purchase currency (EUR).
  • the host server will determine that none of the currencies match the purchase currency.
  • the highest ranked and funded currency balance (Level 1 ) may then be converted to the purchase currency (EUR).
  • the £25.00 GBP Level 1 currency balance is converted to €30.00 EUR (e.g., using a GBP to EUR conversion rate of 1.2).
  • the host server and processing unit deduct the converted €30.00 EUR from the €100.00 transaction amount while proceeding to check the next highest-ranked currency balance or hierarchical priority level (i.e., Level 2).
  • Level 2 currency balance is converted to €67.00 EUR (using a 0.67 AUD to EUR conversion rate) and compared with the remaining transaction amount of €70.00.
  • the converted funds ( €67.00 EUR) are deducted from the Level 2 currency balance and the transaction amount.
  • the Level 3 currency balance is converted to the purchase currency in an attempt to satisfy the remaining €3.00 balance on the transaction amount.
  • the $75.00 USD Level 3 currency balance of the user account is converted to €55.50 EUR (e.g., based on a real-time USD to EUR conversion rate of 0.74).
  • the system determines that Level 3 currency balance exceeds the remaining transaction amount such that the transaction is approved and a payment authorization or confirmation is sent to the merchant terminal.
  • implementations of the present system execute searches for a currency balance matching the purchase currency if it exists, and if nonexistent or insufficient to cover the transaction amount, executes currency conversion calculations (on either the currency balance or transaction currency) from the Level 1 to N balances to fulfill the remaining transaction amount.
  • calculating and converting each currency balance to a transaction currency (or vice versa) rather than converting both the currency balance and the purchase currency to a default currency as in prior solutions, allows for a more accurate calculation as one less computation is performed by the system, which could introduce further rounding errors and additional expenses.
  • FIG. 5 illustrates is a simplified flow chart of the processing steps for facilitating a multi-currency payment transaction according to an example implementation.
  • the host sever and processing unit receive profile date including a currency balance hierarchy for the multi-currency card from an operating user (e.g., via a computing device).
  • an authorization request is sent to the financial institution or host server in block 504 upon detection of a user attempting to make a retail purchase with the multicurrency card.
  • the host server and currency conversion module retrieve the latest currency exchange rates and calculate/convert one or more currency balances to the transaction currency if a currency balance matching the transaction currency is not discovered or in the event that the matching currency balance does not exceed the purchase amount.
  • the currency of the transaction amount is converted to the currency of a nominated or primary currency balance as designated by the user.
  • the exchange rates are calculated as the transaction is processed so that the latest exchange rate information is used in the currency conversion computation.
  • the host server sends an authorization notification to the merchant terminal upon making a determination that sufficient funds are present in the user account associated with the multi-currency card involved the purchase transaction.
  • FIG. 6 illustrates another simplified flow chart of the processing steps for facilitating a multi-currency payment transaction according to one implementation.
  • the user funds the multi-currency card with two or more balances of varying currencies as well as a hierarchical/ranking order to the each of the currency balances in block 602.
  • the cardholder may control which currency balance should be increased or decreased accordingly.
  • the user profile data associated with the card identifier information is accessed from the profile database by the host server in block 606.
  • the host server determines in block 612 whether the currency balance of the instant priority level, which may be the primary currency balance or a currency balance matching the transaction currency, is greater than the purchase amount.
  • the currency balance of the instant priority level is deducted from the transaction amount and the host server loops back through blocks 608 - 618 until a determination is made that either; (1 ) the converted funds of at least one currency balance exceeds the remaining purchase amount ⁇ block 612 ⁇ , or (2) that ail balances on the card are depleted ⁇ block 618 ⁇ . More particularly, if the transaction amount is greater than the highest-ranked (e.g., Level 1) or matching currency balance, the host sever will continue to check (in ranked order) the remaining currency balances and convert each currency balance to the purchase currency in an attempt to satisfy the total value of the transaction amount.
  • Level 1 the highest-ranked
  • the host sever will continue to check (in ranked order) the remaining currency balances and convert each currency balance to the purchase currency in an attempt to satisfy the total value of the transaction amount.
  • the host server Based on the determination made in blocks 612 and 618, the host server sends the POS terminal either an authorization to approve the transaction in block 616, or a message to decline (i.e., sum of balances is less than purchase amount) the transaction in block 620 respectively.
  • Implementations of the present disclosure provide a system and method for facilitating a multi-currency payment transaction. Moreover, many advantages are afforded by the implementations of the present disclosure. For instance, the present configuration servers to ensure that the cardholder's purchase will utilize the funds in all the various currency balances to effectively determine if the cardholder has sufficient funds on their card to make the desired purchase. Many prior solutions require the cardholder to manually transfer funds from one currency balance to another during a purchase transaction while implementations described herein save the cardholder the frustration of the purchase possibly being declined when there are actually sufficient funds to make the pending purchase.
  • the present configuration makes fewer balance conversions than prior solutions and may also reduce the total converted amount (i.e., does not automatically convert cumulative card balance) so as to reduce the amount of miscellaneous conversion and/or transaction costs incurred as a result of an international payment transaction.

Landscapes

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

Abstract

Certaines formes de réalisation de la présente invention concernent un système et un procédé facilitant les transactions de paiement multidevises. Conformément à une forme de réalisation, une pluralité de soldes en devises sont classés et associés à un compte d'utilisateur. Lors de la réception d'une demande d'autorisation d'un montant de transaction dans une devise d'achat, au moins un solde de devise est converti en une devise différente sur la base de la devise d'achat et de la classification des soldes de devises. La transaction est autorisée si un ou plusieurs soldes de devises convertis du compte de l'utilisateur dépassent le montant de la transaction.
PCT/US2013/072221 2013-11-27 2013-11-27 Procédé et système facilitant les transactions de paiement par carte multidevises WO2015080725A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/US2013/072221 WO2015080725A1 (fr) 2013-11-27 2013-11-27 Procédé et système facilitant les transactions de paiement par carte multidevises
TW103137392A TW201528168A (zh) 2013-11-27 2014-10-29 用以便利多貨幣卡片支付交易之方法及系統

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2013/072221 WO2015080725A1 (fr) 2013-11-27 2013-11-27 Procédé et système facilitant les transactions de paiement par carte multidevises

Publications (1)

Publication Number Publication Date
WO2015080725A1 true WO2015080725A1 (fr) 2015-06-04

Family

ID=53199503

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2013/072221 WO2015080725A1 (fr) 2013-11-27 2013-11-27 Procédé et système facilitant les transactions de paiement par carte multidevises

Country Status (2)

Country Link
TW (1) TW201528168A (fr)
WO (1) WO2015080725A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2016076732A1 (fr) * 2014-11-10 2016-05-19 Rev Worldwide, Inc. (A Delaware Corporation) Procédés et systèmes de traitement de carte
CN111178858A (zh) * 2019-12-31 2020-05-19 中国银行股份有限公司 交易数据处理方法、装置、设备及存储介质
US11915227B2 (en) * 2020-08-28 2024-02-27 The Toronto-Dominion Bank Value transfer card management system

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2004086376A (ja) * 2002-08-23 2004-03-18 Policy Research Institute For Land Infrastructure & Transport Mlit 電子財布・通貨格納装置運用システム
US7328188B1 (en) * 1999-07-12 2008-02-05 Mainline Corporate Holdings Limited Dynamic currency conversion for card payment systems
US20100145744A1 (en) * 2002-11-07 2010-06-10 Beck Philip D Time-Of-Transaction Foreign Currency Conversion
US7801816B2 (en) * 2001-05-23 2010-09-21 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
US20100243730A1 (en) * 2009-03-24 2010-09-30 Why Worry, Llc Systems and methods relating to multi currency card

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7328188B1 (en) * 1999-07-12 2008-02-05 Mainline Corporate Holdings Limited Dynamic currency conversion for card payment systems
US7801816B2 (en) * 2001-05-23 2010-09-21 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
JP2004086376A (ja) * 2002-08-23 2004-03-18 Policy Research Institute For Land Infrastructure & Transport Mlit 電子財布・通貨格納装置運用システム
US20100145744A1 (en) * 2002-11-07 2010-06-10 Beck Philip D Time-Of-Transaction Foreign Currency Conversion
US20100243730A1 (en) * 2009-03-24 2010-09-30 Why Worry, Llc Systems and methods relating to multi currency card

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2016076732A1 (fr) * 2014-11-10 2016-05-19 Rev Worldwide, Inc. (A Delaware Corporation) Procédés et systèmes de traitement de carte
CN111178858A (zh) * 2019-12-31 2020-05-19 中国银行股份有限公司 交易数据处理方法、装置、设备及存储介质
US11915227B2 (en) * 2020-08-28 2024-02-27 The Toronto-Dominion Bank Value transfer card management system

Also Published As

Publication number Publication date
TW201528168A (zh) 2015-07-16

Similar Documents

Publication Publication Date Title
US11694186B2 (en) Combination payment card and methods thereof
US20220300937A1 (en) Transaction flows and transaction processing for bridged payment systems
US11282070B2 (en) Combination payment card and methods thereof
US7702559B2 (en) Methods and apparatus for funding transactions
US8266058B1 (en) Virtual accounts linked to financial accounts
AU2019257460A1 (en) Method and system for processing of a real-time rebate at transaction authorization
US20090192904A1 (en) System and Method for Conducting Transactions with a Financial Presentation Device Linked to Multiple Accounts
CN111279375A (zh) 用于检测模式外交易的系统和方法
US20180060839A1 (en) Systems and methods for predicting chargeback stages
US12056673B2 (en) System and method for payment tender steering
US11663581B2 (en) System and methods for enhanced authorization of prepaid cards
US20200118139A1 (en) Interchange fee processing methods and systems for card based payment transactions
US20200234268A1 (en) Systems and methods for recommending financial instruments
CN109214815B (zh) 接受双重功能支付凭证的系统和方法
WO2015080725A1 (fr) Procédé et système facilitant les transactions de paiement par carte multidevises
US20210012321A1 (en) Enhanced payment processing
US12131310B2 (en) Combination payment card and methods thereof

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: 13898142

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 13898142

Country of ref document: EP

Kind code of ref document: A1