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    • 7. 发明申请
    • METHODS AND SYSTEMS FOR EFFECTING PAYMENT CARD TRANSACTIONS
    • 用于影响付款卡交易的方法和系统
    • WO2004008399A2
    • 2004-01-22
    • PCT/IE2003/000101
    • 2003-07-14
    • MAINLINE CORPORATE HOLDINGS LIMITEDBARRY, Gerard, JDUFFY, John
    • BARRY, Gerard, JDUFFY, John
    • G07F
    • G06Q20/04G06Q20/12G06Q20/342G06Q20/381G07F7/025
    • The present invention relates to card payment systems. In particular, the present invention relates to systems and methods for processing payment card transactions in a dynamic currency conversion and/or multi-currency scheme. To operate correctly, ghost transactions are used. However to prevent duplication of debits against the Card Holder, these "ghost copy" transactions must not be processed into the card schemes with the normal transactions. Thus the Acquirer's and/or third parties host systems have to be amended, in addition to modifications to the related accounting thereof. To overcome this necessity, the present invention provides a method for effecting the performance of a payment card transaction for a first transaction amount in a first currency, between a first merchant and a first payment card holder, the method comprising the steps of a)creating a first payment card transaction record between the first merchant and a second cardholder for the first transaction amount, b) creating a second payment card transaction record between a second merchant and the first cardholder, wherein the second transaction record identifies a second transaction amount in a second currency which equates to the first transaction amount converted into the second currency, and submitting the first transaction record and the second transaction record for processing as payment card transactions.
    • 本发明涉及卡支付系统。 特别地,本发明涉及以动态货币兑换和/或多币种方案处理支付卡交易的系统和方法。 要正常运行,使用ghost事务。 但是,为了防止对持卡人的借记重复,这些“鬼魂复制”交易不能通过正常交易处理到卡方案中。 因此,除了对相关会计的修改外,还必须修改收购方和/或第三方主机系统。 为了克服这种需要,本发明提供一种用于在第一商家和第一支付卡持有者之间执行第一货币的第一交易金额的支付卡交易的方法,所述方法包括以下步骤:a)创建 第一商户和第二持卡人之间的第一交易金额的第一支付卡交易记录,b)在第二商家和第一持卡人之间创建第二支付卡交易记录,其中第二交易记录标识第 第二笔货币等于首次交易金额转换成第二种货币,并提交第一笔交易记录和第二笔交易记录作为支付卡交易处理。
    • 10. 发明申请
    • METHODS AND SYSTEMS FOR EFFECTING PAYMENT CARD TRANSACTIONS
    • 用于影响付款卡交易的方法和系统
    • WO2004008372A2
    • 2004-01-22
    • PCT/IE2003/000002
    • 2003-01-10
    • MAINLINE CORPORATE HOLDINGS LIMITEDBARRY, Gerard, J.DUFFY, John
    • BARRY, Gerard, J.DUFFY, John
    • G06F19/00
    • G06Q20/04G06Q20/10G06Q20/108G06Q20/12G06Q20/342G06Q20/3678G06Q20/381G06Q20/382G06Q40/00G06Q40/025G07F7/025
    • The present invention relates to card payment systems. In particular, the present invention relates to systems and methods for processing payment card transactions in a dynamic currency conversion and/or multi-currency scheme. To operate correctly, ghost transactions are used. However to prevent duplication of debits against the Card Holder, these "ghost copy" transactions must not be processed into the card schemes with the normal transactions. Thus the Acquirer's and/or third parties host systems have to be amended, in addition to modifications to the related accounting thereof. To overcome this necessity, the present invention provides a method for effecting the performance of a payment card transaction for a first transaction amount in a first currency, between a first merchant and a first payment card holder, the method comprising the steps of; creating a first payment card transaction record between the first merchant and a second cardholder for the first transaction amount; creating a second payment card transaction record between a second merchant and the first cardholder, wherein the second transaction record identifies a second transaction amount in a second currency which equates to the first transaction amount converted into the second currency, and submitting the first transaction record and the second transaction record for processing as payment card transactions.
    • 本发明涉及卡支付系统。 特别地,本发明涉及以动态货币兑换和/或多币种方案处理支付卡交易的系统和方法。 要正常运行,使用ghost事务。 但是,为了防止对持卡人的借记重复,这些“鬼魂复制”交易不能通过正常交易处理到卡方案中。 因此,除了对相关会计的修改外,还必须修改收购方和/或第三方主机系统。 为了克服这种需要,本发明提供了一种用于在第一商家和第一支付卡持有者之间执行第一货币的第一交易金额的支付卡交易的方法,所述方法包括以下步骤: 在第一商户和第二持卡人之间为第一交易金额创建第一支付卡交易记录; 在第二商家和第一持卡人之间创建第二支付卡交易记录,其中所述第二交易记录识别第二货币的第二交易金额等于转换成第二货币的第一交易金额,并且提交第一交易记录和 作为支付卡交易处理的第二笔交易记录。