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1. 发明授权

US07660768B2 Time-of-transaction foreign currency conversion 有权
标题翻译：交易时间外币兑换
公开(公告)号：US07660768B2
公开(公告)日：2010-02-09
申请号：US10704342
申请日：2003-11-07
申请人： Philip D. Beck , Paul Noblett , Michael McCormack
发明人： Philip D. Beck , Paul Noblett , Michael McCormack
IPC分类号： G06Q40/00 , G06K5/00
CPC分类号： G07F7/08 , G06Q10/02 , G06Q20/04 , G06Q20/10 , G06Q20/204 , G06Q20/381 , G06Q20/40 , G06Q20/4037 , G06Q40/04 , G06Q40/12
摘要： Providing a time-of-transaction currency conversion from a merchant's local currency to a cardholder's credit card currency uses a conversion rate developed by reference to the particular merchant, acquirer, card association and issuer. After a merchant has generated an authorization request in the merchant's currency for a transaction by a cardholder in a different currency, the transaction amount in the authorization is converted from the merchant's currency to the currency of the cardholder's issuing currency, and optionally modified to include additional fees. The converted authorization request is then transmitted to the appropriate card association and then to the issuing bank for authorization, with a response returned to the merchant. The cardholder sees and approves the transaction in the cardholder's currency, and in an amount identical to the amount for which he will be billed.
摘要翻译：提供从商家本地货币到持卡人的信用卡货币的交易时间货币转换使用通过参考特定商户，收单方，卡片关联和发行人开发的转换率。在商家以不同货币生成商人的货币用于交易的授权请求后，授权中的交易金额从商家的货币转换为持卡人的发行货币的货币，并且可选地修改为包括额外的费用。然后将转换的授权请求发送到相应的卡协会，然后发送给开证行进行授权，并向商家返回回复。持卡人以持卡人的货币看到和批准交易，金额与他将被收取的金额相同。

2. 发明申请

US20100145744A1 Time-Of-Transaction Foreign Currency Conversion 有权
标题翻译：交易时间外币兑换
公开(公告)号：US20100145744A1
公开(公告)日：2010-06-10
申请号：US12702234
申请日：2010-02-08
申请人： Philip D. Beck , Paul Noblett , Michael H. McCormack
发明人： Philip D. Beck , Paul Noblett , Michael H. McCormack
IPC分类号： G06Q40/00 , G06Q50/00 , G06Q30/00 , G06Q10/00 , G06Q20/00
CPC分类号： G07F7/08 , G06Q10/02 , G06Q20/04 , G06Q20/10 , G06Q20/204 , G06Q20/381 , G06Q20/40 , G06Q20/4037 , G06Q40/04 , G06Q40/12
摘要： Providing a time-of-transaction currency conversion from a merchant's local currency to a cardholder's credit card currency uses a conversion rate developed by reference to the particular merchant, acquirer, card association and issuer. After a merchant has generated an authorization request in the merchant's currency for a transaction by a cardholder in a different currency, the transaction amount in the authorization is converted from the merchant's currency to the currency of the cardholder's issuing currency, and optionally modified to include additional fees. The converted authorization request is then transmitted to the appropriate card association and then to the issuing bank for authorization, with a response returned to the merchant. The cardholder sees and approves the transaction in the cardholder's currency, and in an amount identical to the amount for which he will be billed.
摘要翻译：提供从商家本地货币到持卡人的信用卡货币的交易时间货币转换使用通过参考特定商户，收单方，卡片关联和发行人开发的转换率。在商家以不同货币生成商人的货币用于交易的授权请求后，授权中的交易金额从商家的货币转换为持卡人的发行货币的货币，并且可选地修改为包括额外的费用。然后将转换的授权请求发送到相应的卡协会，然后发送给开证行进行授权，并向商家返回回复。持卡人以持卡人的货币看到和批准交易，金额与他将被收取的金额相同。

3. 发明授权

US08626660B2 Time-of-transaction foreign currency conversion 有权
标题翻译：交易时间外币兑换
公开(公告)号：US08626660B2
公开(公告)日：2014-01-07
申请号：US12702234
申请日：2010-02-08
申请人： Philip D. Beck , Paul Noblett , Michael H. McCormack
发明人： Philip D. Beck , Paul Noblett , Michael H. McCormack
IPC分类号： G06Q40/00 , G06K5/00
CPC分类号： G07F7/08 , G06Q10/02 , G06Q20/04 , G06Q20/10 , G06Q20/204 , G06Q20/381 , G06Q20/40 , G06Q20/4037 , G06Q40/04 , G06Q40/12
摘要： Providing a time-of-transaction currency conversion from a merchant's local currency to a cardholder's credit card currency uses a conversion rate developed by reference to the particular merchant, acquirer, card association and issuer. After a merchant has generated an authorization request in the merchant's currency for a transaction by a cardholder in a different currency, the transaction amount in the authorization is converted from the merchant's currency to the currency of the cardholder's issuing currency, and optionally modified to include additional fees. The converted authorization request is then transmitted to the appropriate card association and then to the issuing bank for authorization, with a response returned to the merchant. The cardholder sees and approves the transaction in the cardholder's currency, and in an amount identical to the amount for which he will be billed.
摘要翻译：提供从商家本地货币到持卡人的信用卡货币的交易时间货币转换使用通过参考特定商户，收单方，卡片关联和发行人开发的转换率。在商家以不同货币生成商人的货币用于交易的授权请求后，授权中的交易金额从商家的货币转换为持卡人的发行货币的货币，并且可选地修改为包括额外的费用。然后将转换的授权请求发送到相应的卡协会，然后发送给开证行进行授权，并向商家返回回复。持卡人以持卡人的货币看到和批准交易，金额与他将被收取的金额相同。

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