CA2383173A1 - Dynamic currency conversion for card payment systems - Google Patents

Dynamic currency conversion for card payment systems Download PDF

Info

Publication number
CA2383173A1
CA2383173A1 CA002383173A CA2383173A CA2383173A1 CA 2383173 A1 CA2383173 A1 CA 2383173A1 CA 002383173 A CA002383173 A CA 002383173A CA 2383173 A CA2383173 A CA 2383173A CA 2383173 A1 CA2383173 A1 CA 2383173A1
Authority
CA
Canada
Prior art keywords
card
card payment
payment systems
payment
currency conversion
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.)
Granted
Application number
CA002383173A
Other languages
French (fr)
Other versions
CA2383173C (en
Inventor
Gerard J. Barry
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.)
ELECTRONIC TAX FREE SHOPPING Ltd
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=11042101&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=CA2383173(A1) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Individual filed Critical Individual
Publication of CA2383173A1 publication Critical patent/CA2383173A1/en
Application granted granted Critical
Publication of CA2383173C publication Critical patent/CA2383173C/en
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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
    • G06Q20/04—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
    • G06Q20/30—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
    • 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]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • G06Q20/40—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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • 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
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/18—Legal services; Handling legal documents
    • G06Q50/188—Electronic negotiation
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

The present invention relates to Card Payment Systems for use in a multicurrency environment. In particular, the present invention provides a system and method for identifying an appropriate currency for individual transactions conducted using a card payment system, using the steps of identifying (50) an identifier code (60(1-n)) from a payment card, and determining (52) from the identifier code (60(1-n)) a suitable currency (61(1-n)) for association with said payment card transaction. The identifier code is preferably a portion of the card number of the payment card. The transaction may be processed (54) in the suitable currency or the transaction amounts may be displayed in the suitable currency for information purposes.
CA002383173A 1999-07-12 1999-09-01 Dynamic currency conversion for card payment systems Expired - Lifetime CA2383173C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
IE19990584A IES990584A2 (en) 1999-07-12 1999-07-12 Dynamic currency conversion for card payment systems
IES990584 1999-07-12
PCT/IE1999/000088 WO2001004846A1 (en) 1999-07-12 1999-09-01 Dynamic currency conversion for card payment systems

Publications (2)

Publication Number Publication Date
CA2383173A1 true CA2383173A1 (en) 2001-01-18
CA2383173C CA2383173C (en) 2009-02-24

Family

ID=11042101

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002383173A Expired - Lifetime CA2383173C (en) 1999-07-12 1999-09-01 Dynamic currency conversion for card payment systems

Country Status (35)

Country Link
US (1) US7328188B1 (en)
EP (2) EP1240629A1 (en)
JP (4) JP2003504742A (en)
KR (1) KR20020030081A (en)
CN (2) CN1367914A (en)
AP (1) AP1384A (en)
AR (1) AR030530A1 (en)
AT (1) ATE210327T1 (en)
AU (2) AU763008B9 (en)
BG (1) BG64914B1 (en)
BR (1) BR9917432A (en)
CA (1) CA2383173C (en)
CZ (1) CZ200230A3 (en)
DE (2) DE29924300U1 (en)
DK (1) DK1018711T3 (en)
EA (1) EA003766B1 (en)
EG (1) EG23213A (en)
ES (1) ES2169587T3 (en)
HK (1) HK1030827A1 (en)
HU (1) HU226914B1 (en)
IE (1) IES990584A2 (en)
IL (1) IL147603A (en)
IS (1) IS6226A (en)
MX (1) MXPA02000486A (en)
MY (1) MY125020A (en)
NO (1) NO327478B1 (en)
NZ (1) NZ517105A (en)
OA (1) OA11989A (en)
PL (1) PL352677A1 (en)
PT (1) PT1018711E (en)
SI (1) SI1018711T1 (en)
TR (1) TR200200711T2 (en)
TW (1) TWI229277B (en)
WO (1) WO2001004846A1 (en)
ZA (1) ZA200202069B (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7783571B2 (en) 2007-05-31 2010-08-24 First Data Corporation ATM system for receiving cash deposits from non-networked clients
US10311410B2 (en) 2007-03-28 2019-06-04 The Western Union Company Money transfer system and messaging system

Families Citing this family (36)

* 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
AU2007203290B2 (en) * 2000-11-13 2009-02-26 Francis Enda Murphy Transaction processing
EP1646016A3 (en) * 2000-11-13 2006-07-05 Francis Enda Murphy Transaction processing and inter-computer communications
AU2002212633B2 (en) * 2000-11-17 2007-08-09 Edward Murphy Inter-computer communications
AUPS033502A0 (en) * 2002-02-05 2002-02-28 Pure Commerce Transaction processing system
IES20020579A2 (en) 2002-07-12 2004-01-14 Mainline Corporate Holdings Methods and systems for effecting payment card transactions
IES20020712A2 (en) * 2002-09-04 2004-03-10 Mainline Corporate Holdings A method and system for transferring funds
JP2006513512A (en) * 2002-11-07 2006-04-20 プラネット グループ，インク． Foreign currency conversion at transaction
US7219832B2 (en) * 2004-06-17 2007-05-22 First Data Corporation ATM machine and methods with currency conversion capabilities
WO2006005104A1 (en) 2004-07-12 2006-01-19 Fexco Direct currency conversion
US8874477B2 (en) 2005-10-04 2014-10-28 Steven Mark Hoffberg Multifactorial optimization system and method
WO2007115262A2 (en) * 2006-03-31 2007-10-11 Mastercard International Incorporated A method and system for identifying and processing currency conversion in a financial transaction
NZ555036A (en) * 2006-05-16 2008-09-26 Travelex Outsourcing Pty Ltd Transaction system supporting dynamic currency conversion
AU2007100392B4 (en) * 2006-05-16 2007-06-14 Travelex Outsourcing Pty Limited Transaction system supporting dynamic currency conversion
AU2015275305B2 (en) * 2006-05-16 2016-10-20 Global Blue Payments (Australia) Pty Ltd Transaction system supporting dynamic currency conversion
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
NZ554222A (en) * 2007-03-28 2010-02-26 Pure Commerce Pty Ltd A system for managing transactions in a foreign currency at point of sale
BRPI0721886A2 (en) * 2007-07-25 2014-02-25 Goldmine World Inc METHOD AND APPARATUS FOR USER SELECTION OF A MULTIPLICITY OF LANGUAGES AND CONVERSION OF COINS.
MX2010007408A (en) * 2008-01-04 2011-02-24 Planet Payment Inc Merchant rate lookup.
CN101981585A (en) * 2008-03-10 2011-02-23 环球蓝联货币优选控股股份有限公司 Dynamic currency conversion system and method
AU2013201182C1 (en) * 2008-03-10 2017-03-09 Global Blue Sa Dynamic currency conversion system and method
US20110016043A1 (en) * 2009-07-20 2011-01-20 Barbara Dornseif Account transaction value added tax reimbursement
GB2478993A (en) * 2010-03-26 2011-09-28 Global Blue Currency Choice Holdings Bv Dynamic currency conversion
US8666860B2 (en) * 2010-07-06 2014-03-04 International Monetary Specialists Method and system for currency exchange by point of conversion
JP5527820B2 (en) * 2010-12-03 2014-06-25 Ｎｅｃインフロンティア株式会社 Payment terminal
US8949150B2 (en) 2011-12-30 2015-02-03 Visa International Service Association Fraud detection system automatic rule manipulator
US9043225B2 (en) 2012-11-30 2015-05-26 Wal-Mart Stores, Inc. Approximating alternate currency equivalents in digital receipts
JP5745551B2 (en) * 2013-01-22 2015-07-08 ゴールドマイン・ワールド，インコーポレーテッド ディー／ビー／エイワールド・バンクカード・サーヴィシズ Method and apparatus for multi-language user selection and currency conversion
WO2015080725A1 (en) * 2013-11-27 2015-06-04 Hewlett-Packard Development Company, L.P. Method and system for facilitating multi-currency card payment transactions
CN104036596B (en) * 2014-06-13 2016-01-13 张金木 A kind of open small amount bank settlement machine
SG10201501048XA (en) * 2015-02-11 2016-09-29 Global Blue Sa System and method for conducting a transaction
US11023968B2 (en) * 2015-03-05 2021-06-01 Goldman Sachs & Co. LLC Systems and methods for updating a distributed ledger based on partial validations of transactions
CN109242682B (en) * 2018-08-23 2023-05-02 中国平安财产保险股份有限公司 Currency exchange rate conversion method, currency exchange rate conversion device, computer equipment and storage medium
JP7278609B2 (en) 2020-08-07 2023-05-22 有限会社オペックスエンタープライズ Storage method for paper exceeding A4 size and binding file
US11468430B2 (en) * 2020-08-28 2022-10-11 The Toronto-Dominion Bank Value transfer card management system

Family Cites Families (40)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3386458A (en) 1965-06-18 1968-06-04 Air Force Usa Internally actuated combined oxygen pressure regulator and oxygenair dilution valves for respiratory apparatus
US3723655A (en) 1971-02-16 1973-03-27 Pitney Bowes Inc Credit authorization system terminal
JPS5461598A (en) 1977-10-26 1979-05-17 Toshiba Corp Currency exchanger
US4766293A (en) * 1986-06-26 1988-08-23 Visa International Service Association Portable financial transaction card capable of authorizing a transaction in foreign currencies
NL8702012A (en) 1987-08-28 1989-03-16 Philips Nv TRANSACTION SYSTEM CONTAINING ONE OR MORE HOST STATIONS AND A NUMBER OF DISTRIBUTED ENTRY STATIONS, WHICH ARE LINKABLE THROUGH A NETWORK SYSTEM WITH ANY HOST STATION, AS A CONSTRUCTION STATION AND END STATION SUITABLE FOR THE USE OF USE.
US4968873A (en) 1987-09-08 1990-11-06 Juergen Dethloff Smart card issuing and receiving apparatus
US4961142A (en) 1988-06-29 1990-10-02 Mastercard International, Inc. Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer
US5202826A (en) 1989-01-27 1993-04-13 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5623547A (en) * 1990-04-12 1997-04-22 Jonhig Limited Value transfer system
JPH0520176U (en) * 1991-08-22 1993-03-12 ブラザー工業株式会社 Credit transaction processor
US5334823A (en) 1992-01-10 1994-08-02 National Bancard Corporation Systems and methods for operating data card terminals for transaction chargeback protection
JPH05189664A (en) 1992-01-13 1993-07-30 Fujitsu Ltd Pos terminal with money unit converting function
WO1994010649A1 (en) 1992-10-30 1994-05-11 Microbilt Corporation Multi-reader transaction terminal
JPH06203273A (en) * 1992-11-30 1994-07-22 Omron Corp Transaction processor
JPH06215204A (en) * 1993-01-20 1994-08-05 Nec Commun Syst Ltd Rationality checking system for credit card number
US5842185A (en) 1993-02-18 1998-11-24 Intuit Inc. Method and system for electronically tracking financial transactions
JPH0725459U (en) * 1993-02-18 1995-05-12 秀功 宇久田 Travelers Denomination Bank Card
US5416306A (en) 1993-08-16 1995-05-16 Imahata; Takeo Method for comparing and verifying security codes at point of sale
JPH0785191A (en) * 1993-09-20 1995-03-31 Hitachi Ltd Cash automatic transaction equipment and cash automatic transaction system
US5477038A (en) * 1993-10-25 1995-12-19 Visa International Method and apparatus for distributing currency
ATE162324T1 (en) * 1994-02-23 1998-01-15 Dataflight Europ As SALES SYSTEM
US5661517A (en) 1994-05-02 1997-08-26 Messagephone, Inc. Interactive intelligent video information system
US5826245A (en) 1995-03-20 1998-10-20 Sandberg-Diment; Erik Providing verification information for a transaction
NL1000352C2 (en) 1995-05-12 1996-11-13 Nederland Ptt Electronic payment system with different units of account, electronic payment method and method for electronic payment.
US5678010A (en) 1995-06-07 1997-10-14 Compuserve Incorporated Automated routing of messages over a network
US5745886A (en) * 1995-06-07 1998-04-28 Citibank, N.A. Trusted agents for open distribution of electronic money
US5659165A (en) * 1995-07-24 1997-08-19 Citibank. N.A. Customer-directed, automated process for transferring funds between accounts via a communications network
US5671285A (en) 1995-12-13 1997-09-23 Newman; Bruce D. Secure communication system
US5870473A (en) * 1995-12-14 1999-02-09 Cybercash, Inc. Electronic transfer system and method
US5845185A (en) * 1996-03-19 1998-12-01 Sharp Kabushiki Kaisha Image forming apparatus
JPH09305822A (en) 1996-05-21 1997-11-28 Tec Corp Certificate stamp reading and counting-out device
JPH09311891A (en) * 1996-05-23 1997-12-02 Mitsubishi Electric Corp Automatic exchange and payment device for currency
ATE214823T1 (en) 1996-11-14 2002-04-15 Fexco PROCESSING TRANSACTIONS
US5884274A (en) * 1996-11-15 1999-03-16 Walker Asset Management Limited Partnership System and method for generating and executing insurance policies for foreign exchange losses
US5937396A (en) * 1996-12-04 1999-08-10 Konya; Arpad System for ATM/ATM transfers
JPH10269395A (en) 1997-03-25 1998-10-09 Hitachi Ltd Electronic currency correspondence foreign currency exchanging device
JPH1166208A (en) 1997-08-27 1999-03-09 Oki Electric Ind Co Ltd Exchanging method for electronic money and electronic money system
EP0935793A1 (en) 1997-08-29 1999-08-18 Koninklijke Philips Electronics N.V. Method of, and system for, effecting cashless transactions and a device for use in such a system
US6721715B2 (en) * 1998-03-30 2004-04-13 Martin A. Nemzow Method and apparatus for localizing currency valuation independent of the original and objective currencies
US6546373B1 (en) * 1999-01-18 2003-04-08 Mastercard International Incorporated System and method for recovering refundable taxes

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10311410B2 (en) 2007-03-28 2019-06-04 The Western Union Company Money transfer system and messaging system
US7783571B2 (en) 2007-05-31 2010-08-24 First Data Corporation ATM system for receiving cash deposits from non-networked clients

Also Published As

Publication number Publication date
DE69900535T2 (en) 2002-08-01
EP1018711A1 (en) 2000-07-12
AP2002002405A0 (en) 2002-03-31
KR20020030081A (en) 2002-04-22
DE69900535D1 (en) 2002-01-17
JP2014142947A (en) 2014-08-07
ATE210327T1 (en) 2001-12-15
ZA200202069B (en) 2003-05-28
ES2169587T3 (en) 2002-07-01
WO2001004846A1 (en) 2001-01-18
AR030530A1 (en) 2003-08-27
EA200200150A1 (en) 2002-08-29
HU226914B1 (en) 2010-03-01
MXPA02000486A (en) 2002-07-02
EA003766B1 (en) 2003-08-28
CN1367914A (en) 2002-09-04
NO20020166D0 (en) 2002-01-11
IS6226A (en) 2002-01-10
CN101853456A (en) 2010-10-06
AP1384A (en) 2005-04-08
AU763008B9 (en) 2017-07-27
AU2003252928B8 (en) 2003-11-06
IL147603A0 (en) 2002-08-14
SI1018711T1 (en) 2002-04-30
DE29924300U1 (en) 2002-10-24
EP1240629A1 (en) 2002-09-18
PL352677A1 (en) 2003-09-08
AU2003252928A1 (en) 2003-11-06
NZ517105A (en) 2003-06-30
BR9917432A (en) 2004-08-24
BG106419A (en) 2002-10-31
CA2383173C (en) 2009-02-24
JP5529204B2 (en) 2014-06-25
BG64914B1 (en) 2006-08-31
AU2003252928B9 (en) 2010-02-25
HK1030827A1 (en) 2001-05-18
NO20020166L (en) 2002-03-11
IL147603A (en) 2005-05-17
IES990584A2 (en) 2000-07-12
PT1018711E (en) 2002-05-31
AU763008B2 (en) 2003-07-10
AU2003252928A8 (en) 2003-11-06
NO327478B1 (en) 2009-07-13
CZ200230A3 (en) 2002-10-16
HUP0202155A2 (en) 2002-10-28
EG23213A (en) 2004-08-31
JP2010244567A (en) 2010-10-28
AU2003252928B2 (en) 2007-11-15
MY125020A (en) 2006-07-31
OA11989A (en) 2006-04-18
JP5998164B2 (en) 2016-09-28
US7328188B1 (en) 2008-02-05
JP2012138129A (en) 2012-07-19
AU5441399A (en) 2001-01-30
EP1018711B1 (en) 2001-12-05
TR200200711T2 (en) 2002-08-21
TWI229277B (en) 2005-03-11
JP2003504742A (en) 2003-02-04
DK1018711T3 (en) 2002-04-02

Similar Documents

Publication Publication Date Title
CA2383173A1 (en) Dynamic currency conversion for card payment systems
EP0933717A3 (en) A method and system for tracking smart card loyalty points
EP0750283A4 (en) Transaction processing system and transaction processing method
WO1999036889A3 (en) Transaction system
CA2229012A1 (en) System and method for commercial payments using trusted agents
WO1998037477A3 (en) System and method for auditing a retail system
WO2002003342A3 (en) Method and apparatus for a payment card system
CA2218257A1 (en) Secure method and system for communicating a list of credit card numbers over a non-secure network
AU2001266628A1 (en) Biometric financial transaction system and method
AP2000001918A0 (en) Credit card system and method.
WO2002014985A3 (en) Automated payment system
HUT76228A (en) System and method, especially financial card and terminal for conducting cashless payment transactions
EP0731426A3 (en) Process for encrypting a fingerprint onto an I.D. card
EP0833285A3 (en) Method and product for generating electronic tokens
GB2394107A (en) Method and system for providing financial services
WO1998058345A3 (en) Third party debit card
WO1998025241A3 (en) Method and system of transferring currency between atms
WO2001022687A3 (en) Systems and methods for protecting private information
EP1378845A3 (en) Medium storing money information
WO2001044897A3 (en) Virtual sales agent
WO1999044111A3 (en) Point of service third party financial management vehicle for the healthcare industry
WO1998039742A3 (en) User-generated traveler's checks
CA2195376A1 (en) Method of Diagnosing Communication Problems of Electronic Shelf Labels
EP0854460A3 (en) Electronic transaction processing system and method for operating same
WO2002031622A3 (en) System and method for supervising account management operations

Legal Events

Date Code Title Description
EEER Examination request
MKEX Expiry

Effective date: 20190903

MKEX Expiry

Effective date: 20190903