CA2481505A1 - Systeme et procede de traitement de transactions financieres reposant sur l'utilisation de preferences de paiements multiples - Google Patents

Systeme et procede de traitement de transactions financieres reposant sur l'utilisation de preferences de paiements multiples Download PDF

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Publication number
CA2481505A1
CA2481505A1 CA002481505A CA2481505A CA2481505A1 CA 2481505 A1 CA2481505 A1 CA 2481505A1 CA 002481505 A CA002481505 A CA 002481505A CA 2481505 A CA2481505 A CA 2481505A CA 2481505 A1 CA2481505 A1 CA 2481505A1
Authority
CA
Canada
Prior art keywords
customer
preferences
merchant
payment
transceiver
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.)
Abandoned
Application number
CA002481505A
Other languages
English (en)
Inventor
Joseph A. Giordano
Jack B. Murray, Jr.
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.)
ExxonMobil Technology and Engineering Co
Original Assignee
Individual
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 US10/407,367 external-priority patent/US20060178986A1/en
Application filed by Individual filed Critical Individual
Publication of CA2481505A1 publication Critical patent/CA2481505A1/fr
Abandoned 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

La présente invention concerne généralement les transactions de détail et plus particulièrement des systèmes et des procédés de transaction de détail reposant sur la prise en compte des préférences des clients applicables à la transaction relative à des biens et à des services. Selon lesdits procédés, systèmes et processus, un client est identifié et associé à un profil de client et / ou à un procédé de paiement correspondant au client. Le profil du client peut comporter les préférences du client concernant au moins un procédé de paiement. Sur la base du profil du client et / ou d'autres critères de préférence ou de transaction, un procédé préféré de paiement peut être déterminé pour une transaction spécifique. Les procédés, systèmes et processus selon la présente invention peuvent être utilisés simplement pour identifier un client ou en combinaison avec un paiement de transaction (par ex. paiement pour des biens, des services, ou d'autres transactions financières). Ils peuvent en outre être utilisés en combinaison avec un programme de fidélisation vis-à-vis d'un commerçant spécifique ou d'une association de commerçants participant à un programme combiné de fidélisation de clients.
CA002481505A 2002-04-08 2003-04-07 Systeme et procede de traitement de transactions financieres reposant sur l'utilisation de preferences de paiements multiples Abandoned CA2481505A1 (fr)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US37024402P 2002-04-08 2002-04-08
US60/370,244 2002-04-08
US10/407,367 2003-04-04
US10/407,367 US20060178986A1 (en) 2000-02-17 2003-04-04 System and method for processing financial transactions using multi-payment preferences
PCT/US2003/010577 WO2003088078A2 (fr) 2002-04-08 2003-04-07 Systeme et procede de traitement de transactions financieres reposant sur l'utilisation de preferences de paiements multiples

Publications (1)

Publication Number Publication Date
CA2481505A1 true CA2481505A1 (fr) 2003-10-23

Family

ID=29254401

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002481505A Abandoned CA2481505A1 (fr) 2002-04-08 2003-04-07 Systeme et procede de traitement de transactions financieres reposant sur l'utilisation de preferences de paiements multiples

Country Status (5)

Country Link
EP (1) EP1493099A4 (fr)
JP (1) JP2005522782A (fr)
AU (1) AU2003230820A1 (fr)
CA (1) CA2481505A1 (fr)
WO (1) WO2003088078A2 (fr)

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8156042B2 (en) 2003-08-29 2012-04-10 Starbucks Corporation Method and apparatus for automatically reloading a stored value card
WO2005048145A1 (fr) 2003-10-13 2005-05-26 Starbucks Corporation D/B/A Starbucks Coffee Company Carte double
US8626536B2 (en) 2004-08-31 2014-01-07 Electronic Commerce for Healthcare Organizations, Inc. Intelligent router for medical payments
US8229458B2 (en) 2007-04-08 2012-07-24 Enhanced Geographic Llc Systems and methods to determine the name of a location visited by a user of a wireless device
GB2466676A (en) 2009-01-06 2010-07-07 Visa Europe Ltd A method of processing payment authorisation requests
GB2466810A (en) 2009-01-08 2010-07-14 Visa Europe Ltd Processing payment authorisation requests
US8660948B2 (en) * 2010-07-02 2014-02-25 Qualcomm Incorporated System and method for managing transactions with a portable computing device
US9275325B2 (en) 2014-03-07 2016-03-01 Starbucks Corporation Dual-function card with key card functionality and stored value card functionality
CN113643099B (zh) * 2021-08-30 2025-01-17 北京沃东天骏信息技术有限公司 商品数据的处理方法、设备、装置、存储介质及程序产品

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI100137B (fi) * 1994-10-28 1997-09-30 Vazvan Simin Reaaliaikainen langaton telemaksujärjestelmä
US6119105A (en) * 1996-06-17 2000-09-12 Verifone, Inc. System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture
US6061665A (en) * 1997-06-06 2000-05-09 Verifone, Inc. System, method and article of manufacture for dynamic negotiation of a network payment framework
HUP0003100A3 (en) * 1997-06-27 2003-01-28 Swisscom Mobile Ag Transaction method using a mobile device and identifier device
US7571139B1 (en) * 1999-02-19 2009-08-04 Giordano Joseph A System and method for processing financial transactions
WO2001041419A1 (fr) * 1999-11-30 2001-06-07 Citibank, N.A. Systeme et procede servant a executer une transaction electronique au moyen d'un mandataire de transaction possedant un portefeuille electronique
AU764327C (en) * 1999-12-23 2004-02-26 Swisscom Mobile Ag Payment transaction method and payment transaction system
JP4403333B2 (ja) * 2000-03-21 2010-01-27 ソニー株式会社 情報処理装置および方法、情報処理システム、並びに記録媒体
NO311658B1 (no) * 2000-03-27 2001-12-27 Scan & Pay As Fremgangsmåte for å gjennomföre handel og betalings- /kredittformidling
JP2002042028A (ja) * 2000-07-26 2002-02-08 Global Company:Kk カード等の不正使用防止システム
MXPA03003308A (es) * 2000-10-18 2004-12-03 Ultra Proizv Elektronskih Napr Sistema para el pago de intercambio de datos y el dispositivo terminal de pago usado en el mismo.

Also Published As

Publication number Publication date
WO2003088078A3 (fr) 2004-03-25
JP2005522782A (ja) 2005-07-28
EP1493099A4 (fr) 2010-06-02
EP1493099A2 (fr) 2005-01-05
AU2003230820A1 (en) 2003-10-27
WO2003088078A2 (fr) 2003-10-23

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Legal Events

Date Code Title Description
EEER Examination request
FZDE Discontinued

Effective date: 20140703