WO2003088078A3 - System and method for processing financial transactions using multi-payment preferences - Google Patents

System and method for processing financial transactions using multi-payment preferences Download PDF

Info

Publication number
WO2003088078A3
WO2003088078A3 PCT/US2003/010577 US0310577W WO03088078A3 WO 2003088078 A3 WO2003088078 A3 WO 2003088078A3 US 0310577 W US0310577 W US 0310577W WO 03088078 A3 WO03088078 A3 WO 03088078A3
Authority
WO
WIPO (PCT)
Prior art keywords
customer
transaction
payment
systems
methods
Prior art date
Application number
PCT/US2003/010577
Other languages
French (fr)
Other versions
WO2003088078A2 (en
Inventor
Joseph A Giordano
Jack B Murray Jr
Original Assignee
Exxonmobil Res & Eng Co
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
Priority claimed from US10/407,367 external-priority patent/US20060178986A1/en
Application filed by Exxonmobil Res & Eng Co filed Critical Exxonmobil Res & Eng Co
Priority to AU2003230820A priority Critical patent/AU2003230820A1/en
Priority to CA002481505A priority patent/CA2481505A1/en
Priority to JP2003584946A priority patent/JP2005522782A/en
Priority to EP03723920A priority patent/EP1493099A4/en
Publication of WO2003088078A2 publication Critical patent/WO2003088078A2/en
Publication of WO2003088078A3 publication Critical patent/WO2003088078A3/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
    • 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
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The invention relates generally to retail transactions (Fig. 1) and, more particularly, to retail transaction systems and methods employing consumer preferences applicable to the transaction for goods and services (12). Methods, systems and processes are provided in which a customer is identified and associated with a customer profile and/or a method of payment corresponding to the customer (16). The customer profile may comprise customer preferences with regard to at least one method of payment (16). Based on the customer profile and/or other preference or transaction criteria, a preferred method of payment may be determined for a specific transaction (14). The provided methods, systems and processes may be used merely to identify a customer or in combination with transaction payment (e.g., payment for goods, services, or other financial transaction). The methods, systems and processes may also be used in combination with a loyalty program with a specific merchant or an association of merchants participating in a combined customer loyalty program (15).
PCT/US2003/010577 2002-04-08 2003-04-07 System and method for processing financial transactions using multi-payment preferences WO2003088078A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
AU2003230820A AU2003230820A1 (en) 2002-04-08 2003-04-07 System and method for processing financial transactions using multi-payment preferences
CA002481505A CA2481505A1 (en) 2002-04-08 2003-04-07 System and method for processing financial transactions using multi-payment preferences
JP2003584946A JP2005522782A (en) 2002-04-08 2003-04-07 System and method for processing monetary transactions using various payment preferences
EP03723920A EP1493099A4 (en) 2002-04-08 2003-04-07 System and method for processing financial transactions using multi-payment preferences

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US37024402P 2002-04-08 2002-04-08
US60/370,244 2002-04-08
US10/407,367 US20060178986A1 (en) 2000-02-17 2003-04-04 System and method for processing financial transactions using multi-payment preferences
US10/407,367 2003-04-04

Publications (2)

Publication Number Publication Date
WO2003088078A2 WO2003088078A2 (en) 2003-10-23
WO2003088078A3 true WO2003088078A3 (en) 2004-03-25

Family

ID=29254401

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/010577 WO2003088078A2 (en) 2002-04-08 2003-04-07 System and method for processing financial transactions using multi-payment preferences

Country Status (5)

Country Link
EP (1) EP1493099A4 (en)
JP (1) JP2005522782A (en)
AU (1) AU2003230820A1 (en)
CA (1) CA2481505A1 (en)
WO (1) WO2003088078A2 (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8892126B2 (en) 2007-04-08 2014-11-18 Enhanced Geographic Llc Systems and methods to determine the name of a physical business location visited by a user of a wireless device based on location information and the time of day
US9275325B2 (en) 2014-03-07 2016-03-01 Starbucks Corporation Dual-function card with key card functionality and stored value card functionality

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8156042B2 (en) 2003-08-29 2012-04-10 Starbucks Corporation Method and apparatus for automatically reloading a stored value card
WO2005048145A1 (en) 2003-10-13 2005-05-26 Starbucks Corporation D/B/A Starbucks Coffee Company Dual card
US8626536B2 (en) 2004-08-31 2014-01-07 Electronic Commerce for Healthcare Organizations, Inc. Intelligent router for medical payments
GB2466676A (en) 2009-01-06 2010-07-07 Visa Europe Ltd A method of processing payment authorisation requests
GB2466810A (en) 2009-01-08 2010-07-14 Visa Europe Ltd Processing payment authorisation requests
US8660948B2 (en) * 2010-07-02 2014-02-25 Qualcomm Incorporated System and method for managing transactions with a portable computing device
CN113643099A (en) * 2021-08-30 2021-11-12 北京沃东天骏信息技术有限公司 Commodity data processing method, commodity data processing device, commodity data processing apparatus, storage medium, and program product

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6061665A (en) * 1997-06-06 2000-05-09 Verifone, Inc. System, method and article of manufacture for dynamic negotiation of a network payment framework
US6119105A (en) * 1996-06-17 2000-09-12 Verifone, Inc. System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI100137B (en) * 1994-10-28 1997-09-30 Vazvan Simin Real-time wireless telecom payment system
ES2180142T3 (en) * 1997-06-27 2003-02-01 Swisscom Mobile Ag TRANSACTION PROCEDURE WITH A PORTABLE IDENTIFICATION ELEMENT.
US7571139B1 (en) * 1999-02-19 2009-08-04 Giordano Joseph A System and method for processing financial transactions
WO2001041419A1 (en) * 1999-11-30 2001-06-07 Citibank, N.A. System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
DE59905894D1 (en) * 1999-12-23 2003-07-10 Swisscom Mobile Ag PAYMENT TRANSACTION PROCESS AND PAYMENT TRANSACTION SYSTEM
JP4403333B2 (en) * 2000-03-21 2010-01-27 ソニー株式会社 Information processing apparatus and method, information processing system, and recording medium
NO311658B1 (en) * 2000-03-27 2001-12-27 Scan & Pay As Procedure for conducting trade and payment / credit mediation
JP2002042028A (en) * 2000-07-26 2002-02-08 Global Company:Kk Fraudulent use preventive system for card and the like
WO2002033669A1 (en) * 2000-10-18 2002-04-25 Ultra Proizvodnja Elektronskih Naprav D.O.O. System for payment data exchange and payment terminal device used therein

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6119105A (en) * 1996-06-17 2000-09-12 Verifone, Inc. System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture
US6061665A (en) * 1997-06-06 2000-05-09 Verifone, Inc. System, method and article of manufacture for dynamic negotiation of a network payment framework

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8892126B2 (en) 2007-04-08 2014-11-18 Enhanced Geographic Llc Systems and methods to determine the name of a physical business location visited by a user of a wireless device based on location information and the time of day
US8996035B2 (en) 2007-04-08 2015-03-31 Enhanced Geographic Llc Mobile advertisement with social component for geo-social networking system
US9008691B2 (en) 2007-04-08 2015-04-14 Enhanced Geographic Llc Systems and methods to provide an advertisement relating to a recommended business to a user of a wireless device based on a location history of visited physical named locations associated with the user
US9277366B2 (en) 2007-04-08 2016-03-01 Enhanced Geographic Llc Systems and methods to determine a position within a physical location visited by a user of a wireless device using Bluetooth® transmitters configured to transmit identification numbers and transmitter identification data
US9521524B2 (en) 2007-04-08 2016-12-13 Enhanced Geographic Llc Specific methods that improve the functionality of a location based service system by determining and verifying the branded name of an establishment visited by a user of a wireless device based on approximate geographic location coordinate data received by the system from the wireless device
US9275325B2 (en) 2014-03-07 2016-03-01 Starbucks Corporation Dual-function card with key card functionality and stored value card functionality

Also Published As

Publication number Publication date
EP1493099A2 (en) 2005-01-05
JP2005522782A (en) 2005-07-28
CA2481505A1 (en) 2003-10-23
AU2003230820A1 (en) 2003-10-27
EP1493099A4 (en) 2010-06-02
WO2003088078A2 (en) 2003-10-23

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