DE60006986T2 - System und verfahren zur trennung von überweisungen und verteilung von teilen einer geldsumme auf mehrere investitionsgüter - Google Patents

System und verfahren zur trennung von überweisungen und verteilung von teilen einer geldsumme auf mehrere investitionsgüter Download PDF

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Publication number
DE60006986T2
DE60006986T2 DE60006986T DE60006986T DE60006986T2 DE 60006986 T2 DE60006986 T2 DE 60006986T2 DE 60006986 T DE60006986 T DE 60006986T DE 60006986 T DE60006986 T DE 60006986T DE 60006986 T2 DE60006986 T2 DE 60006986T2
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Germany
Prior art keywords
investment
payment
cardholder
charge card
billing
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Expired - Lifetime
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DE60006986T
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DE60006986D1 (de
Inventor
P Crane
Joan Prairie
Bonnie Schlegel
Marcus Sheire
D Sweazy
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Ameriprise Financial Inc
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American Express Co
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Publication of DE60006986D1 publication Critical patent/DE60006986D1/de
Publication of DE60006986T2 publication Critical patent/DE60006986T2/de
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Expired - Lifetime legal-status Critical Current

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    • 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
    • G06Q30/04—Billing or invoicing
    • 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
    • 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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/38—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
    • 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
    • G06Q40/06—Asset management; Financial planning or analysis
DE60006986T 1999-10-12 2000-09-26 System und verfahren zur trennung von überweisungen und verteilung von teilen einer geldsumme auf mehrere investitionsgüter Expired - Lifetime DE60006986T2 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/415,632 US7313543B1 (en) 1999-10-12 1999-10-12 System and method for dividing a remittance and distributing a portion of the funds to multiple investment products
PCT/US2000/026440 WO2001027827A1 (en) 1999-10-12 2000-09-26 System and method for dividing a remittance and distributing a portion of the funds to multiple investment products

Publications (2)

Publication Number Publication Date
DE60006986D1 DE60006986D1 (de) 2004-01-15
DE60006986T2 true DE60006986T2 (de) 2004-10-21

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
DE60006986T Expired - Lifetime DE60006986T2 (de) 1999-10-12 2000-09-26 System und verfahren zur trennung von überweisungen und verteilung von teilen einer geldsumme auf mehrere investitionsgüter

Country Status (8)

Country Link
US (2) US7313543B1 (de)
EP (1) EP1222596B1 (de)
AT (1) ATE255743T1 (de)
AU (1) AU7833500A (de)
DE (1) DE60006986T2 (de)
DK (1) DK1222596T3 (de)
HK (1) HK1044203B (de)
WO (1) WO2001027827A1 (de)

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US7653596B2 (en) 2010-01-26
HK1044203A1 (en) 2002-10-11
DK1222596T3 (da) 2004-04-05
ATE255743T1 (de) 2003-12-15
US20080052230A1 (en) 2008-02-28
HK1044203B (zh) 2004-04-30
EP1222596A1 (de) 2002-07-17
US7313543B1 (en) 2007-12-25
AU7833500A (en) 2001-04-23
WO2001027827A1 (en) 2001-04-19
DE60006986D1 (de) 2004-01-15
EP1222596B1 (de) 2003-12-03

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Owner name: AMERIPRISE FINANCIAL INC.(N.D. GES.D.STAATES D, US