WO2002069072A3 - Balance rule for processing financial transactions - Google Patents

Balance rule for processing financial transactions Download PDF

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Publication number
WO2002069072A3
WO2002069072A3 PCT/US2001/043126 US0143126W WO02069072A3 WO 2002069072 A3 WO2002069072 A3 WO 2002069072A3 US 0143126 W US0143126 W US 0143126W WO 02069072 A3 WO02069072 A3 WO 02069072A3
Authority
WO
WIPO (PCT)
Prior art keywords
balance
financial transactions
processing financial
balance rule
dimensional
Prior art date
Application number
PCT/US2001/043126
Other languages
French (fr)
Other versions
WO2002069072A2 (en
Inventor
Anita M Behrenbrinker
Richard D Feight
Original Assignee
Citibank Na
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 Citibank Na filed Critical Citibank Na
Priority to AU2001297654A priority Critical patent/AU2001297654A1/en
Publication of WO2002069072A2 publication Critical patent/WO2002069072A2/en
Publication of WO2002069072A3 publication Critical patent/WO2002069072A3/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/403Solvency checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

Abstract

Financial transaction system and method includes an account with a multi-dimensional balance structure. Balance segments within the balance structure have individually definable terms and conditions. A transaction processor within the system retrieves predetermined balance rules (164) that are active (156) to determine if an appropriate balance segment meets requirements (166) within an associated masterfile, which stores data (168). The multi-dimensional balance structure allows for special promotions meeting predetermined requirements.
PCT/US2001/043126 2000-11-21 2001-11-19 Balance rule for processing financial transactions WO2002069072A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001297654A AU2001297654A1 (en) 2000-11-21 2001-11-19 Balance rule for processing financial transactions

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US25224300P 2000-11-21 2000-11-21
US60/252,243 2000-11-21
US09/984,809 US7092905B2 (en) 2000-11-21 2001-10-31 Systems and methods for the processing of financial transactions
US09/984,809 2001-10-31

Publications (2)

Publication Number Publication Date
WO2002069072A2 WO2002069072A2 (en) 2002-09-06
WO2002069072A3 true WO2002069072A3 (en) 2003-12-11

Family

ID=26942156

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/043126 WO2002069072A2 (en) 2000-11-21 2001-11-19 Balance rule for processing financial transactions

Country Status (3)

Country Link
US (1) US7092905B2 (en)
AU (1) AU2001297654A1 (en)
WO (1) WO2002069072A2 (en)

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Also Published As

Publication number Publication date
WO2002069072A2 (en) 2002-09-06
AU2001297654A1 (en) 2002-09-12
US7092905B2 (en) 2006-08-15
US20020062279A1 (en) 2002-05-23

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