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WO2004015601A3 - Purchase transaction service - Google Patents

Purchase transaction service Download PDF

Info

Publication number
WO2004015601A3
WO2004015601A3 PCT/IB2003/003711 IB0303711W WO2004015601A3 WO 2004015601 A3 WO2004015601 A3 WO 2004015601A3 IB 0303711 W IB0303711 W IB 0303711W WO 2004015601 A3 WO2004015601 A3 WO 2004015601A3
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
transaction
amount
currency
message
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/IB2003/003711
Other languages
French (fr)
Other versions
WO2004015601A2 (en
Inventor
Brian Connolly
Hubert O'donoghue
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Fiserv Solutions Europe Ltd
Original Assignee
Omnipay 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
Application filed by Omnipay Ltd filed Critical Omnipay Ltd
Priority to AU2003255955A priority Critical patent/AU2003255955A1/en
Publication of WO2004015601A2 publication Critical patent/WO2004015601A2/en
Publication of WO2004015601A3 publication Critical patent/WO2004015601A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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

Landscapes

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

Abstract

A process for managing commercial transactions comprising: receiving a first message from a merchant, said first message defining the amount of a card holder's transaction in a first currency defined by the card, receiving or generating a second message defining the amount of the card holder's transaction in a second currency determined by the merchant, sending (212) a request for payment of the transaction to a card issuer, said request including information relating to the amount of the card holder's transaction in the first currency, sending (214) a third message to a financial institution associated with the merchant to the account of the merchant with an amount in a third currency determined by the merchant.
PCT/IB2003/003711 2002-08-02 2003-07-25 Purchase transaction service Ceased WO2004015601A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003255955A AU2003255955A1 (en) 2002-08-02 2003-07-25 Purchase transaction service

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB0218020A GB0218020D0 (en) 2002-08-02 2002-08-02 Currency recognition system
GB0218020.6 2002-08-02

Publications (2)

Publication Number Publication Date
WO2004015601A2 WO2004015601A2 (en) 2004-02-19
WO2004015601A3 true WO2004015601A3 (en) 2004-05-21

Family

ID=9941670

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2003/003711 Ceased WO2004015601A2 (en) 2002-08-02 2003-07-25 Purchase transaction service

Country Status (3)

Country Link
AU (1) AU2003255955A1 (en)
GB (1) GB0218020D0 (en)
WO (1) WO2004015601A2 (en)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0843292A2 (en) * 1996-11-14 1998-05-20 Eastmar Holdings Limited Transaction processing
US5774533A (en) * 1996-08-14 1998-06-30 Bellsouth Corporation Method and system for providing a billing directed communication service
US5897621A (en) * 1996-06-14 1999-04-27 Cybercash, Inc. System and method for multi-currency transactions
EP0949596A2 (en) * 1998-03-30 1999-10-13 Citibank, N.A. Method and system to perform electronic value exchange and settlement among heterogeneous payment schemes with heterogeneous currencies
WO2001086597A2 (en) * 2000-05-10 2001-11-15 E-Centives, Inc. Using currency to purchase from sellers that do not recognize the currency

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5897621A (en) * 1996-06-14 1999-04-27 Cybercash, Inc. System and method for multi-currency transactions
US5774533A (en) * 1996-08-14 1998-06-30 Bellsouth Corporation Method and system for providing a billing directed communication service
EP0843292A2 (en) * 1996-11-14 1998-05-20 Eastmar Holdings Limited Transaction processing
EP0949596A2 (en) * 1998-03-30 1999-10-13 Citibank, N.A. Method and system to perform electronic value exchange and settlement among heterogeneous payment schemes with heterogeneous currencies
WO2001086597A2 (en) * 2000-05-10 2001-11-15 E-Centives, Inc. Using currency to purchase from sellers that do not recognize the currency

Also Published As

Publication number Publication date
AU2003255955A8 (en) 2004-02-25
AU2003255955A1 (en) 2004-02-25
WO2004015601A2 (en) 2004-02-19
GB0218020D0 (en) 2002-09-11

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