WO2007092789A3 - Implementing direct issuer - merchant relationships over a general purpose bankcard network - Google Patents
Implementing direct issuer - merchant relationships over a general purpose bankcard network Download PDFInfo
- Publication number
- WO2007092789A3 WO2007092789A3 PCT/US2007/061566 US2007061566W WO2007092789A3 WO 2007092789 A3 WO2007092789 A3 WO 2007092789A3 US 2007061566 W US2007061566 W US 2007061566W WO 2007092789 A3 WO2007092789 A3 WO 2007092789A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- general purpose
- merchant
- issuer
- merchant relationships
- implementing direct
- Prior art date
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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- Economics (AREA)
- Theoretical Computer Science (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Marketing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Systems and methods for implementing customized issuer-merchant relationships or programs in the payment-by-card industry are provided. The systems and methods utilize the multi-party bankcard networks common in the industry for processing card transactions, but provide direct connectivity between issuers and merchants bypassing merchant acquirers for processing card transactions covered by the customized issuer-merchant relationships.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US76439706P | 2006-02-02 | 2006-02-02 | |
US60/764,397 | 2006-02-02 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2007092789A2 WO2007092789A2 (en) | 2007-08-16 |
WO2007092789A3 true WO2007092789A3 (en) | 2008-07-31 |
Family
ID=38345896
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2007/061566 WO2007092789A2 (en) | 2006-02-02 | 2007-02-02 | Implementing direct issuer - merchant relationships over a general purpose bankcard network |
Country Status (2)
Country | Link |
---|---|
US (1) | US20080005018A1 (en) |
WO (1) | WO2007092789A2 (en) |
Families Citing this family (38)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6615189B1 (en) * | 1998-06-22 | 2003-09-02 | Bank One, Delaware, National Association | Debit purchasing of stored value card for use by and/or delivery to others |
US7809642B1 (en) | 1998-06-22 | 2010-10-05 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
US7660763B1 (en) | 1998-11-17 | 2010-02-09 | Jpmorgan Chase Bank, N.A. | Customer activated multi-value (CAM) card |
US8793160B2 (en) * | 1999-12-07 | 2014-07-29 | Steve Sorem | System and method for processing transactions |
US7860789B2 (en) | 2001-07-24 | 2010-12-28 | Jpmorgan Chase Bank, N.A. | Multiple account advanced payment card and method of routing card transactions |
US8020754B2 (en) | 2001-08-13 | 2011-09-20 | Jpmorgan Chase Bank, N.A. | System and method for funding a collective account by use of an electronic tag |
US20070078719A1 (en) * | 2001-11-01 | 2007-04-05 | Jp Morgan Chase Bank | S/M for offering reward programs |
US7899753B1 (en) | 2002-03-25 | 2011-03-01 | Jpmorgan Chase Bank, N.A | Systems and methods for time variable financial authentication |
US20040210498A1 (en) | 2002-03-29 | 2004-10-21 | Bank One, National Association | Method and system for performing purchase and other transactions using tokens with multiple chips |
US8751391B2 (en) * | 2002-03-29 | 2014-06-10 | Jpmorgan Chase Bank, N.A. | System and process for performing purchase transactions using tokens |
US7809595B2 (en) | 2002-09-17 | 2010-10-05 | Jpmorgan Chase Bank, Na | System and method for managing risks associated with outside service providers |
US20040122736A1 (en) | 2002-10-11 | 2004-06-24 | Bank One, Delaware, N.A. | System and method for granting promotional rewards to credit account holders |
US8306907B2 (en) | 2003-05-30 | 2012-11-06 | Jpmorgan Chase Bank N.A. | System and method for offering risk-based interest rates in a credit instrument |
US7401731B1 (en) | 2005-05-27 | 2008-07-22 | Jpmorgan Chase Bank, Na | Method and system for implementing a card product with multiple customized relationships |
US11195163B2 (en) | 2006-09-01 | 2021-12-07 | Mastercard International Incorporated | Methods, systems and computer readable media for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities |
US7953653B2 (en) * | 2007-05-16 | 2011-05-31 | Jpmorgan Chase Bank, N.A. | System and method for combined reconciliation of co-branded card promotion and settlement of private label card accounts |
US7567920B2 (en) * | 2007-11-01 | 2009-07-28 | Visa U.S.A. Inc. | On-line authorization in access environment |
MX2008014010A (en) * | 2007-11-02 | 2009-05-26 | Citicorp Credit Services Inc | Methods and systems for managing financial institution customer accounts. |
US20090171777A1 (en) | 2007-12-28 | 2009-07-02 | Jonathan Robert Powell | Methods and systems for applying promotion codes to payment transactions |
US10262303B2 (en) | 2007-12-28 | 2019-04-16 | Mastercard International Incorporated | Methods and systems for applying a rewards program promotion to payment transactions |
US8725611B1 (en) | 2008-02-21 | 2014-05-13 | Jpmorgan Chase Bank, N.A. | System and method for providing borrowing schemes |
US8191766B2 (en) * | 2008-03-04 | 2012-06-05 | Mastercard International Incorporated | Methods and systems for managing merchant identifiers |
US8606662B2 (en) * | 2008-04-04 | 2013-12-10 | Mastercard International Incorporated | Methods and systems for managing co-brand proprietary financial transaction processing |
US8271392B2 (en) | 2008-04-04 | 2012-09-18 | Mastercard International Incorporated | Methods and systems for managing merchant screening |
US20100145855A1 (en) * | 2008-12-06 | 2010-06-10 | Fordyce Iii Edward W | Payment account processing which conveys non purchase related data exchanges |
US10992817B2 (en) | 2009-03-18 | 2021-04-27 | Mastercard International Incorporated | Methods, systems and computer readable media for selecting and delivering electronic value certificates using a mobile device |
US20100258620A1 (en) * | 2009-04-10 | 2010-10-14 | Denise Torreyson | Methods and systems for linking multiple accounts |
US8285592B2 (en) | 2009-12-15 | 2012-10-09 | Mastercard International Incorporated | Methods and systems for providing enhanced data for co-brand payment card transactions |
WO2012161808A2 (en) * | 2011-02-25 | 2012-11-29 | Visa International Service Association | Direct connection systems and methods |
US8538845B2 (en) | 2011-06-03 | 2013-09-17 | Mozido, Llc | Monetary transaction system |
US10438196B2 (en) | 2011-11-21 | 2019-10-08 | Mozido, Inc. | Using a mobile wallet infrastructure to support multiple mobile wallet providers |
US10762523B2 (en) | 2013-03-11 | 2020-09-01 | Mastercard International Incorporated | Methods and systems for applying promotions to payment transactions |
US9760908B2 (en) | 2013-11-04 | 2017-09-12 | Mastercard International Incorporated | System and method for card-linked services |
US9754275B2 (en) | 2013-11-04 | 2017-09-05 | Mastercard International Incorporated | System and method for card-linked services |
US10832278B2 (en) | 2013-11-04 | 2020-11-10 | Mastercard International Incorporated | System and method for card-linked services |
US9589276B2 (en) | 2013-11-04 | 2017-03-07 | Mastercard International Incorporated | System and method for card-linked services |
US10277690B2 (en) * | 2016-05-25 | 2019-04-30 | Microsoft Technology Licensing, Llc | Configuration-driven sign-up |
US10937050B2 (en) * | 2017-11-15 | 2021-03-02 | Bank Of America Corporation | Point-of-sale (“POS”) system integrating merchant-based rewards |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20050178825A1 (en) * | 2000-06-08 | 2005-08-18 | Arias Luis A. | Multi-function transaction processing system |
US20050234769A1 (en) * | 2004-04-14 | 2005-10-20 | Capital One Financial Corporation | System and method for providing personalized customer assistance using a financial card having an RFID device |
US20050246181A1 (en) * | 2002-03-20 | 2005-11-03 | Hiroshi Kawahara | Method for credit card payment settlement and system for same |
Family Cites Families (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5945653A (en) * | 1997-06-26 | 1999-08-31 | Walker Asset Management Limited Partnership | System and method for establishing and executing functions to affect credit card accounts and transactions |
US6014635A (en) * | 1997-12-08 | 2000-01-11 | Shc Direct, Inc. | System and method for providing a discount credit transaction network |
US7516883B2 (en) * | 1998-07-17 | 2009-04-14 | Pluris Savings Network, Llc | Financial transaction system with consumer reward and net settlement |
US7092905B2 (en) * | 2000-11-21 | 2006-08-15 | Citibank, N.A. | Systems and methods for the processing of financial transactions |
US7908170B2 (en) * | 2006-01-25 | 2011-03-15 | Asmar Alejandro G | System and method for facilitating commercial transactions |
-
2007
- 2007-02-02 US US11/670,869 patent/US20080005018A1/en not_active Abandoned
- 2007-02-02 WO PCT/US2007/061566 patent/WO2007092789A2/en active Application Filing
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20050178825A1 (en) * | 2000-06-08 | 2005-08-18 | Arias Luis A. | Multi-function transaction processing system |
US20050246181A1 (en) * | 2002-03-20 | 2005-11-03 | Hiroshi Kawahara | Method for credit card payment settlement and system for same |
US20050234769A1 (en) * | 2004-04-14 | 2005-10-20 | Capital One Financial Corporation | System and method for providing personalized customer assistance using a financial card having an RFID device |
Also Published As
Publication number | Publication date |
---|---|
WO2007092789A2 (en) | 2007-08-16 |
US20080005018A1 (en) | 2008-01-03 |
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