WO2008014114A3 - Compliance control in a card based program - Google Patents

Compliance control in a card based program Download PDF

Info

Publication number
WO2008014114A3
WO2008014114A3 PCT/US2007/073181 US2007073181W WO2008014114A3 WO 2008014114 A3 WO2008014114 A3 WO 2008014114A3 US 2007073181 W US2007073181 W US 2007073181W WO 2008014114 A3 WO2008014114 A3 WO 2008014114A3
Authority
WO
WIPO (PCT)
Prior art keywords
financial transactions
card based
authorized
based program
compliance
Prior art date
Application number
PCT/US2007/073181
Other languages
French (fr)
Other versions
WO2008014114A2 (en
Inventor
Matthew James Mullen
Scott David Spivack
Original Assignee
Visa Usa Inc
Matthew James Mullen
Scott David Spivack
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 Visa Usa Inc, Matthew James Mullen, Scott David Spivack filed Critical Visa Usa Inc
Priority to CA002658889A priority Critical patent/CA2658889A1/en
Priority to JP2009521886A priority patent/JP2009545073A/en
Priority to AU2007276904A priority patent/AU2007276904B2/en
Priority to EP07799465A priority patent/EP2050061A4/en
Priority to MX2009001006A priority patent/MX2009001006A/en
Priority to BRPI0715484-4A priority patent/BRPI0715484A2/en
Publication of WO2008014114A2 publication Critical patent/WO2008014114A2/en
Publication of WO2008014114A3 publication Critical patent/WO2008014114A3/en
Priority to NO20090504A priority patent/NO20090504L/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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • 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
    • G06Q20/38—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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q30/06—Buying, selling or leasing transactions

Abstract

An analysis system processes financial transactions data for compliance with a payment program, such that the processing involves receiving data relating to a set of financial transactions that have been authorized by a payment processing system, and determining if one or more of the authorized financial transactions will be subjected to further processing, wherein the further processing operates on the received data and identifies authorized financial transactions that may be out of compliance with transaction rules of the payment program.
PCT/US2007/073181 2006-07-25 2007-07-10 Compliance control in a card based program WO2008014114A2 (en)

Priority Applications (7)

Application Number Priority Date Filing Date Title
CA002658889A CA2658889A1 (en) 2006-07-25 2007-07-10 Compliance control in a card based program
JP2009521886A JP2009545073A (en) 2006-07-25 2007-07-10 Compliance management in card-based programs
AU2007276904A AU2007276904B2 (en) 2006-07-25 2007-07-10 Compliance control in a card based program
EP07799465A EP2050061A4 (en) 2006-07-25 2007-07-10 Compliance control in a card based program
MX2009001006A MX2009001006A (en) 2006-07-25 2007-07-10 Compliance control in a card based program.
BRPI0715484-4A BRPI0715484A2 (en) 2006-07-25 2007-07-10 compliance control in a card-based program
NO20090504A NO20090504L (en) 2006-07-25 2009-02-02 Compliance control in a card-based program

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US83345506P 2006-07-25 2006-07-25
US60/833,455 2006-07-25

Publications (2)

Publication Number Publication Date
WO2008014114A2 WO2008014114A2 (en) 2008-01-31
WO2008014114A3 true WO2008014114A3 (en) 2008-11-13

Family

ID=38982199

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/073181 WO2008014114A2 (en) 2006-07-25 2007-07-10 Compliance control in a card based program

Country Status (13)

Country Link
US (2) US7783564B2 (en)
EP (1) EP2050061A4 (en)
JP (1) JP2009545073A (en)
KR (1) KR20090042818A (en)
CN (1) CN101517609A (en)
AU (1) AU2007276904B2 (en)
BR (1) BRPI0715484A2 (en)
CA (1) CA2658889A1 (en)
MX (1) MX2009001006A (en)
NO (1) NO20090504L (en)
RU (1) RU2451337C2 (en)
WO (1) WO2008014114A2 (en)
ZA (1) ZA200901201B (en)

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Also Published As

Publication number Publication date
AU2007276904B2 (en) 2013-01-10
US7783564B2 (en) 2010-08-24
JP2009545073A (en) 2009-12-17
BRPI0715484A2 (en) 2013-03-05
RU2009106451A (en) 2010-08-27
US20080027860A1 (en) 2008-01-31
US20100318464A1 (en) 2010-12-16
CA2658889A1 (en) 2008-01-31
EP2050061A4 (en) 2011-08-17
EP2050061A2 (en) 2009-04-22
NO20090504L (en) 2009-02-24
AU2007276904A1 (en) 2008-01-31
WO2008014114A2 (en) 2008-01-31
CN101517609A (en) 2009-08-26
RU2451337C2 (en) 2012-05-20
ZA200901201B (en) 2010-03-31
US8082209B2 (en) 2011-12-20
KR20090042818A (en) 2009-04-30
MX2009001006A (en) 2009-06-18

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