WO2002075501A3 - Hybrid credit card transaction system - Google Patents

Hybrid credit card transaction system Download PDF

Info

Publication number
WO2002075501A3
WO2002075501A3 PCT/US2002/008521 US0208521W WO02075501A3 WO 2002075501 A3 WO2002075501 A3 WO 2002075501A3 US 0208521 W US0208521 W US 0208521W WO 02075501 A3 WO02075501 A3 WO 02075501A3
Authority
WO
WIPO (PCT)
Prior art keywords
transactions
clearinghouse
closed loop
affiliated
entity
Prior art date
Application number
PCT/US2002/008521
Other languages
French (fr)
Other versions
WO2002075501A2 (en
Inventor
Kevin W Spear
Original Assignee
United Parcel Service Inc
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 United Parcel Service Inc filed Critical United Parcel Service Inc
Priority to EP02723528A priority Critical patent/EP1412893A4/en
Priority to CA2441547A priority patent/CA2441547C/en
Priority to JP2002574044A priority patent/JP2005507099A/en
Priority to AU2002254303A priority patent/AU2002254303A1/en
Priority to MXPA03008503A priority patent/MXPA03008503A/en
Publication of WO2002075501A2 publication Critical patent/WO2002075501A2/en
Publication of WO2002075501A3 publication Critical patent/WO2002075501A3/en

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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • G06Q10/087—Inventory or stock management, e.g. order filling, procurement or balancing against orders
    • G06Q10/0875—Itemisation or classification of parts, supplies or services, e.g. bill of materials
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0213—Consumer transaction fees

Abstract

A hybrid credit card transaction system that processes transactions as either virtual standard transactions directed through a clearinghouse (14) or as virtual closed loop transactions bypassing the clearinghouse (14), is disclosed. The system includes a logic enabled merchant (17) that detects virtual closed loop transactions and directs them to an affiliated acquiring entity (18) which acquires the virtual closed loop transactions and routes them directly to an affiliated card issuing entity (19) so as to bypass the clearinghouse (14). The affiliated card issuing entity (19) debits virtual standard transactions to a credit card account (12) and virtual closed loop transactions to a private label account (16). The logic enabled merchant (17), associated acquiring entity (18) and the associated card entity (19) may be affiliated by participation in an Internet site that promotes transactions between small businesses and merchants selling wholesale goods. A reduction in processing fees accrued when bypassing the clearinghouse (14) promotes issuance and use of the hybrid credit cards.
PCT/US2002/008521 2001-03-20 2002-03-20 Hybrid credit card transaction system WO2002075501A2 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
EP02723528A EP1412893A4 (en) 2001-03-20 2002-03-20 Hybrid credit card transaction system
CA2441547A CA2441547C (en) 2001-03-20 2002-03-20 Hybrid credit card transaction system
JP2002574044A JP2005507099A (en) 2001-03-20 2002-03-20 Hybrid credit card transaction system
AU2002254303A AU2002254303A1 (en) 2001-03-20 2002-03-20 Hybrid credit card transaction system
MXPA03008503A MXPA03008503A (en) 2001-03-20 2002-03-20 Hybrid credit card transaction system.

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/812,452 US7752134B2 (en) 2001-03-20 2001-03-20 Hybrid credit card transaction system
US09/812,452 2001-03-20

Publications (2)

Publication Number Publication Date
WO2002075501A2 WO2002075501A2 (en) 2002-09-26
WO2002075501A3 true WO2002075501A3 (en) 2004-03-04

Family

ID=25209605

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/008521 WO2002075501A2 (en) 2001-03-20 2002-03-20 Hybrid credit card transaction system

Country Status (8)

Country Link
US (2) US7752134B2 (en)
EP (1) EP1412893A4 (en)
JP (1) JP2005507099A (en)
CN (1) CN100346323C (en)
AU (1) AU2002254303A1 (en)
CA (1) CA2441547C (en)
MX (1) MXPA03008503A (en)
WO (1) WO2002075501A2 (en)

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Also Published As

Publication number Publication date
US8650121B2 (en) 2014-02-11
CN100346323C (en) 2007-10-31
EP1412893A2 (en) 2004-04-28
CA2441547A1 (en) 2002-09-26
MXPA03008503A (en) 2003-12-08
US7752134B2 (en) 2010-07-06
WO2002075501A2 (en) 2002-09-26
AU2002254303A1 (en) 2002-10-03
CN1520567A (en) 2004-08-11
US20020138428A1 (en) 2002-09-26
EP1412893A4 (en) 2010-08-25
JP2005507099A (en) 2005-03-10
US20100211444A1 (en) 2010-08-19
CA2441547C (en) 2013-07-30

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