WO2000065502A8 - Methods for processing a group of accounts corresponding to different products - Google Patents
Methods for processing a group of accounts corresponding to different productsInfo
- Publication number
- WO2000065502A8 WO2000065502A8 PCT/US1999/031315 US9931315W WO0065502A8 WO 2000065502 A8 WO2000065502 A8 WO 2000065502A8 US 9931315 W US9931315 W US 9931315W WO 0065502 A8 WO0065502 A8 WO 0065502A8
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- group
- processing
- accounts
- account
- level
- Prior art date
Links
Classifications
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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
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0215—Including financial accounts
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- 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
-
- 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
- G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
- G06Q30/0233—Method of redeeming a frequent usage reward
-
- 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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
L'invention concerne le traitement d'un groupe de comptes correspondant à différents produits. Elle concerne également un groupe de comptes reliés de façon à créer un groupe dont le traitement peut s'exécuter au niveau groupe, alors que le traitement indépendant des comptes s'exécute au niveau compte. Un groupe comprend généralement un compte-clé et un ou plusieurs comptes indépendants. La relation établie entre les comptes et le groupe est souple, afin de s'adapter aux changements d'état des détenteurs de carte de groupe. Le traitement au niveau groupe consiste à autoriser des transactions, à effectuer des paiements de groupe, à créer des relevés de compte de groupe, à établir des communications entre des détenteurs de carte, et à administrer des programmes de récompense. Chaque groupe dépendant présente une stratégie dépendante associée, qui spécifie des options de traitement de niveau groupe pour le compte dépendant.The invention relates to the processing of a group of accounts corresponding to different products. It also concerns a group of accounts linked in such a way as to create a group whose processing can be carried out at group level, while independent processing of accounts is carried out at account level. A group generally includes a key account and one or more independent accounts. The relationship established between the accounts and the group is flexible, in order to adapt to changes in the status of group card holders. Group-level processing involves authorizing transactions, making group payments, creating group account statements, establishing communications between cardholders, and administering reward programs. Each dependent group has an associated dependent policy, which specifies group-level processing options for the dependent account.
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU25972/00A AU2597200A (en) | 1999-04-23 | 1999-12-30 | Methods for processing a group of accounts corresponding to different products |
CA 2403176 CA2403176A1 (en) | 1999-04-23 | 1999-12-30 | Methods for processing a group of accounts corresponding to different products |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/298,417 | 1999-04-23 | ||
US09/298,417 US7076465B1 (en) | 1998-04-24 | 1999-04-23 | Methods for processing a group of accounts corresponding to different products |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2000065502A2 WO2000065502A2 (en) | 2000-11-02 |
WO2000065502A8 true WO2000065502A8 (en) | 2001-11-01 |
Family
ID=23150430
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1999/031315 WO2000065502A2 (en) | 1999-04-23 | 1999-12-30 | Methods for processing a group of accounts corresponding to different products |
Country Status (4)
Country | Link |
---|---|
US (6) | US20040030657A1 (en) |
AU (1) | AU2597200A (en) |
CA (1) | CA2403176A1 (en) |
WO (1) | WO2000065502A2 (en) |
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1999
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- 1999-12-30 AU AU25972/00A patent/AU2597200A/en not_active Abandoned
- 1999-12-30 CA CA 2403176 patent/CA2403176A1/en not_active Abandoned
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2001
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2002
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2003
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2013
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WO2000065502A2 (en) | 2000-11-02 |
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US20030182218A1 (en) | 2003-09-25 |
US20070203795A1 (en) | 2007-08-30 |
CA2403176A1 (en) | 2000-11-02 |
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