WO2004034228A3 - A system and method for revenue and authorization management - Google Patents

A system and method for revenue and authorization management Download PDF

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Publication number
WO2004034228A3
WO2004034228A3 PCT/US2003/032255 US0332255W WO2004034228A3 WO 2004034228 A3 WO2004034228 A3 WO 2004034228A3 US 0332255 W US0332255 W US 0332255W WO 2004034228 A3 WO2004034228 A3 WO 2004034228A3
Authority
WO
WIPO (PCT)
Prior art keywords
revenue
authorization management
partitioning
authorization
wallets
Prior art date
Application number
PCT/US2003/032255
Other languages
French (fr)
Other versions
WO2004034228A2 (en
Inventor
Ian James Clubb
Philip Geoffrey Claridge
Thomas Joseph Shusta
Jeffrey M Miller
Original Assignee
Convergys Information Man Grou
Ian James Clubb
Philip Geoffrey Claridge
Thomas Joseph Shusta
Jeffrey M Miller
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 Convergys Information Man Grou, Ian James Clubb, Philip Geoffrey Claridge, Thomas Joseph Shusta, Jeffrey M Miller filed Critical Convergys Information Man Grou
Priority to AU2003282591A priority Critical patent/AU2003282591A1/en
Publication of WO2004034228A2 publication Critical patent/WO2004034228A2/en
Publication of WO2004034228A3 publication Critical patent/WO2004034228A3/en

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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
    • 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
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • 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
    • 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

A system is disclosed for facilitating relationship-centric authorization of transactions in a manner which provides optimum scalability and availability by logically partitioning wallets in conjunction with partitioning a resource associated with a group of consumers (Fig. 1).
PCT/US2003/032255 2002-10-10 2003-10-10 A system and method for revenue and authorization management WO2004034228A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003282591A AU2003282591A1 (en) 2002-10-10 2003-10-10 A system and method for revenue and authorization management

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US41770602P 2002-10-10 2002-10-10
US60/417,706 2002-10-10
US10/682,663 2003-10-09
US10/682,663 US8577795B2 (en) 2002-10-10 2003-10-09 System and method for revenue and authorization management

Publications (2)

Publication Number Publication Date
WO2004034228A2 WO2004034228A2 (en) 2004-04-22
WO2004034228A3 true WO2004034228A3 (en) 2005-01-20

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/032255 WO2004034228A2 (en) 2002-10-10 2003-10-10 A system and method for revenue and authorization management

Country Status (3)

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US (3) US8577795B2 (en)
AU (1) AU2003282591A1 (en)
WO (1) WO2004034228A2 (en)

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US8918506B1 (en) 2014-12-23
US10360563B1 (en) 2019-07-23
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