WO1997048078A2 - System and method for multi-currency transactions - Google Patents
System and method for multi-currency transactions Download PDFInfo
- Publication number
- WO1997048078A2 WO1997048078A2 PCT/US1997/009961 US9709961W WO9748078A2 WO 1997048078 A2 WO1997048078 A2 WO 1997048078A2 US 9709961 W US9709961 W US 9709961W WO 9748078 A2 WO9748078 A2 WO 9748078A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- customer
- currency
- merchant
- server
- amount
- Prior art date
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Classifications
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- 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
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- 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
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping 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
- G06Q20/381—Currency conversion
-
- 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
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
- G06Q30/0637—Approvals
-
- 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
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0641—Shopping interfaces
-
- 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
- G06Q40/03—Credit; Loans; Processing thereof
-
- 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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Definitions
- the present invention generally relates to a system and method for approving a
- the present invention is directed to a system and method for approving a transaction
- currency includes, but is not limited to, denominations of
- script and coin that are issued by government authorities as a medium of exchange.
- a "currency” also may include a privately issued token that can be exchanged for another privately issued
- token or government script.
- a company might create tokens in various ways.
- This company issued 'money could be used by employees to purchase goods
- At exchange rate might be provided to convert the company currency into currencies which are acceptable to merchants.
- the customer uses his credit card to pay the merchant for the product.
- the merchant receives French francs.
- the company issuing the credit card would bill an amount to the customer in United States dollars.
- the amount billed to the customer is determined by an exchange rate used at the time the credit card company settles the transaction. This settlement is often at an indeterminate time and could be on the date of purchase or several
- the merchant sells the currency to a
- the individual can purchase goods at a price in the second currency, but cannot be certain of the value of the second currency relative to his native currency.
- the currency exchange
- the present invention recognizes that international commerce over electronic networks
- This server may assume the
- a fourth party e.g. a bank or other financial institution.
- the present invention is directed to a system for determining approval of a transaction between a merchant and a customer.
- the system comprises a merchant device associated with
- the merchant device has a first set of data including a product price in a first currency
- the system also has a customer device associated with the customer. The customer
- the device has a second set of data including a first amount in a second currency.
- the system furthermore
- the server device has a server device connected to both the customer device and the merchant device for receiving
- Another aspect of the present invention is directed to a system for determining approval of a transaction between a merchant and a customer.
- the transaction includes the merchant
- the system comprises a customer device
- the customer device has a first set of data including a customer
- the system also includes a server connected to the customer
- the device having the merchant price in the first merchant currency for receiving the first set of data, and for approving the transaction when the customer amount in the customer currency is within
- Still another aspect of the present invention is directed to a method for determining
- the merchant device and the customer device are connected to a server.
- the method comprises transmitting a first set of data from the merchant device to the customer device.
- the first set of data includes a merchant price in a first merchant currency.
- the method includes receiving the first set of data by the customer device, wherein the customer device has
- the method further includes transmitting the first and the second sets of data by the customer device to the
- server is for approving the transaction when the customer amount in the first customer currency
- Figure 1 is a diagrammatic representation of one aspect of the present invention.
- Figure 2 is a diagrammatic representation of another aspect of the present invention.
- Figure 1 shows three entities: a server 100, a customer computer 200, and a merchant computer
- the network 50 may be a private, public, secure,
- connection to the network 50 are any of an insecure network, for example, the Internet.
- the connections to the network 50 are any of an insecure network, for example, the Internet.
- the connections to the network 50 are any of an insecure network, for example, the Internet.
- the merchant computer 300 represents the computer of an individual, for example, a merchant user 303, who sells products via the network 50.
- a "product" may include goods,
- the customer computer 200 represents the computer
- the mechanism of delivery of the product is
- the server 100 represents a computer of an entity who processes transactions between
- the server 100 has a database including at
- the merchant account in a second currency associated with the merchant user 303.
- the accounts preferably store electronic funds of the parties, for example, electronic cash.
- the electronic funds are a representation of funds (real cash, credit,
- the server 100 also has its own server accounts.
- the server accounts are in currencies
- the local accounts represent the electronic funds in the merchant account and the
- wallet and the merchant are sometimes referred in the art as “wallets” and “cash registers”, respectively.
- the server accounts may be arranged with a bank or other financial institution. To illustrate how these accounts might be set up, consider the situation where a customer
- the server 100 may have a customer account in United States dollars and a merchant account in
- the server 100 processing transactions between these parties may have two
- customer computer 200, and the merchant computer 300 can communicate securely over the
- a session is an opportunity (or window) in which the customer user 203
- user 303 may sell a product to the customer user 203 over the network 50.
- a session By using a session,
- a merchant can securely communicate with a customer over an insecure network.
- the customer can securely communicate with a customer over an insecure network.
- Sessions are of limited
- This duration is governed by predetermined parameters. These parameters are
- the server 100 may
- the session amount a maximum amount of time that the customer's purchase.
- the session amount is the maximum amount of electronic funds that the customer user
- the session of merchant user 303 may spend during the customer's session. Also, we prefer that the session of merchant user 303 is limited by a maximum amount of time that the merchant's session may last and a
- the first session has first use parameters for
- the second session has second use
- the second use parameters and the set of merchant data are identifiable by the server 100.
- the portion of the first session includes the set of customer data and the first use parameters.
- the set of customer data may include a customer identification string which
- the portion of the second set of data includes the set of
- the set of merchant data may include a merchant
- the server 100 verifies the customer
- the merchant user 303 and the customer user 203 endeavor ultimately to effect a
- reaction that is, the purchase of a product by the customer user 203 from the merchant user
- the merchant user 303 and the customer user 203 need not have any prior existing relationship to transact business. This is so because the merchant user 303 and the customer user
- customer computer 200 to the server 100.
- Such information may include the name of customer
- this information may include the name of the merchant user 303 and the currency in
- This relationship may be either direct or indirect.
- An indirect relationship for example, would include the situation where one or more entities, previously known to the server 100, vouch
- Public key crypto systems are generally used in this type of vouching process and are well known to those skilled in the art. The process
- the present invention is directed toward "approval" of a multi-currency transaction in
- actual settlement of the transaction includes at least converting real funds in an
- the contractual obligations are preferably formed during the
- the obligations may include the agreement of customer user 203 and the merchant user
- the merchant user 303 knows substantially the price in the currency he will receive for the product.
- the customer user 203 and the merchant user 303
- the present invention is directed to approval of multi-currency transactions in which the
- customer user 203 pays in a first currency and the merchant user 303 accepts the payment in a
- server 100 to transact business (which may be, for example, those who have merchant
- the merchant user 303 will accept a price and receive payment for the product sold
- the price for the product is in a currency accepted by the merchant user
- the user 203 will pay an amount to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for a selected product. The amount will be paid to the merchant user 303 for
- the currency selected by the merchant user 303 is different
- currency exchange is used to approve
- the server 100 is used to approve the
- the customer user 203 and the merchant user 303 have established
- the merchant computer 300 transmits a first
- This first set of data includes the agreed price that the merchant user
- the transmitted agreed price is in the merchant accepted
- server 100 for example, information identifying the merchant user 303, the product to be
- the customer computer 200 transmits a
- This second set of data includes the amount that the
- the customer user 203 is willing to pay for the agreed product.
- the transmitted amount is in the customer selected currency.
- the customer selected currency is contemplated
- the customer computer 200 also transmit the agreed price in the merchant accepted currency P(MAC) to the server 100. This assures that the customer
- the merchant user 303 know or approve the customer selected currency, that is, the currency in which the customer user 203 will
- the server 100 be able to convert one such currency
- customer user 203 is distinguishable from the approval of a "transaction" by the server 100.
- Approval of a currency would be, for example, where the customer user 203 would need the
- the present invention does not require approval of a currency.
- the first and second sets of data transmitted to the server 100 need not come directly from
- This information may be transmitted
- customer computer 200 transmit the second
- computer 300 transmits at least the amount in the customer selected currency A(CSC) and the first
- the second set of data may be protected to prevent the
- the server 100 approves the transaction.
- approval process performed by server 100 is based upon the relative value of the customer ] selected currency in terms of the merchant accepted currency. This relative value may be
- this information may include a rate at which the merchant accepted
- 6 currency can be converted into the customer selected currency.
- the sufficiency determination process preferably includes converting the 0 amount in the customer selected currency A(CSC) into an amount in the merchant accepted
- the current exchange rate data is preferably maintained by the entity charged with
- the server 100 may obtain it from a currency
- the approving entity may decide to buy
- timing of updates are based on business rules agreed between the operator of the server 100 and the currency broker or brokers. This manages the risk of a significant change between the current exchange rate and the exchange rate used when the transaction is actually settled.
- Approval of the transaction by the server 100 is preferably based upon predetermined
- criteria may be established by any of the parties to the transaction or a third party.
- the server 100 approve the transaction if the amount in the merchant
- accepted currency A(MAC) equals or exceeds the price in the merchant accepted currency
- the server 100 could approve the transaction if the amount in the merchant
- the server 100 may absorb differentials (as where the cost associated with
- Acceptable differentials may be dependent upon the creditworthiness of the customer user 203 or the merchant user 303,
- server 100 could record the differentials as they occur and collect them from the customer user
- This range is contemplated as being a small range and is referred to herein as
- the payment range may be predetermined by the customer user 203 or
- the server 100 preferably, by the server 100.
- selected currency A(CSC) is equal to the amount in the customer selected currency A(CSC) plus
- the payment range thus defines the amount of conversion error permitted in the transaction.
- Approval of the transaction may also be contingent upon the customer user 203 having
- the server approves the transaction when the amount in
- the customer account contains electronic funds in an amount at least equal to the amount in the customer selected currency A(CSC).
- the server 100 approves the transaction.
- the session amount is an amount known
- the limited amount is reduced as the customer user 203 purchases products over the
- the customer computer 200 temporarily prohibits the customer user 203 from
- the transaction Once the subsequent session is opened, the transaction may be approved. Of
- server computer 100 determines that customer user 203 does not have enough funds
- the transaction may be refused by server 100 altogether or the server 100 may approve the transaction as described herein.
- the funds available to customer user 203 during its session and the funds received by the merchant user 303 during its session be maintained to two decimal positions
- the present invention preferably would carry the value of session funds to one hundredth of a penny to assure that rounding errors are minimized during a session, thus decreasing rounding errors during
- the customer user 203 and the merchant user 303 are
- a merchant account may be maintained for the merchant user 303 and a customer account may
- the merchant and customer accounts are preferably
- the server 100 may be maintained by the server 100.
- one or both of the accounts may be maintained by a party
- the merchant account and customer account may be debit or credit accounts. We prefer to be debit or credit accounts.
- the customer account be a debit account and that the merchant account be a credit account
- the server 100 may transmit data to the party to enable virtual settlement. For example, the server 100 may transmit data to the party to enable virtual settlement.
- the server 100 may transmit data identifying the merchant account and the price in the merchant accepted
- the merchant account is credited with the
- the customer selected currency may be selected by the customer user 203 (or the server 100) from
- customer currencies a plurality of currencies, referred to herein as "customer currencies”. Also, the currency used in
- the merchant accepted currency may be selected by the customer user 203 from a plurality of currencies, referred to herein as "merchant currencies”. A description of these variations is now
- a customer user 203 may have access to amounts in a plurality of customer currencies.
- a customer user 203 may have accounts containing amounts in United States dollars,
- the customer user 203 may purchase products using amounts
- the customer computer 200 presents an amount
- exchange rate data for each customer currency to convert the merchant accepted currency into amounts in each of the customer currencies. It is preferred that the exchange rate data be provided
- the customer user 203 selects an amount in one of the plurality
- amount represents the amount in the customer selected currency A(CSC) described previously.
- exchange rate data This data will contain at least conversion rates from the session currency to other convertible currencies, it may also contain additional data such as anticipated expiration of
- the server 100 may send updated data to the
- This aspect of the present invention may further include an optimization feature.
- optimization feature is preferably executed by the customer computer 200 to determine whether
- the customer computer 200 determines the agreed price in the merchant
- the customer user 203 has two customer currencies A and B available to pay the merchant user
- the customer computer 200 determines amounts in currencies A and B which equate to the
- customer computer 200 may be programmed to choose) to pay the agreed price in the currency
- (A or B) which corresponds to the lesser amount in the reference currency.
- the amount in the chosen currency represents the amount in the customer selected currency A(CSC).
- the customer computer 200 may be configured to:
- server 100 may execute an optimization feature. In this case
- the server 100 may include the plurality of customer currencies available to the customer
- data indicating the plurality of customer currencies may be
- the server 100 determines the agreed amount in the merchant accepted currency A(MAC)
- the server 100 then chooses an amount in one
- the amount in the chosen currency represents the amount in the customer selected currency A(CSC).
- the merchant user 303 may desire to transact business in more than one currency. Therefore, the merchant user 303 will
- computer 300 communicates the agreed price for the product in each of the merchant currencies
- the customer computer 200 presents the agreed price in each of the merchant currencies to the customer user 203.
- the customer user 203 selects the agreed price
- This selected price may be recommended by the optimization procedure described above. This selected price
- the customer computer 200 may also
- computer 200 will determine the cost of the products as quoted in merchant accepted currencies
- this process may yield the following results: A to y, B to y, and
- the next step is to decide which of these currency pairs represents the best value to
- customer user 203 It is preferred that this be accomplished by converting each customer currency
- the merchant computer need not be connected to the network 50 according to this
- the customer user 203 has knowledge about the
- the merchant not be gained while the customer user 203 shops over the network 50.
- the merchant the merchant
- user 303 may have distributed catalogs to the customer user 203 (via regular mail, email, etc.)
- the server 100 would receive the same
- This data may be received by the server 100 electronically over the network 50 or by
- the merchant user 303 might provide the data representing the
- the customer user 203 may purchase a product over the network
- the customer computer 200 transmits to the server 100 a description of a desired
- the server 100 thus has access to data indicating the amount in the customer selected
- the server 100 approves the transaction as indicated above.
- notice of approval of the transaction may be provided by the server 100 to the merchant user 303 and the customer user 203.
- the server 100 may be provided by the server 100 to the merchant user 303 and the customer user 203.
- server 100 may transmit data indicating approval to the merchant computer 300. After the
- the merchant computer 300 receives the data indicating approval, the merchant computer 300 may
- data indicating approval may be communicated from the server 100 to the
- customer computer 200 which, in turn, would forward this data to the merchant computer 300.
- the customer user 203 and the merchant user 303 may be informed that the
- the server 100 may separately transmit data indicating
- the absence of notice from the server 100 may be deemed as affirmative notice that
- the product which is the subject of the transaction may be provided to the
- Actual settlement may occur contemporaneously with the approval of the transaction or it may be deferred. As is described below, it is the entity charged with performing the actual settlement
- the server 100 also has its own server accounts.
- the server accounts are in currencies corresponding to the currencies of the customer and
- the server accounts represent real cash, credit, etc. corresponding to the electronic funds stored in the customer and merchant accounts.
- the server 100 may transmit data to a currency broker, bank or financial institution to enable actual settlement.
- the server 100 may transmit data
- the entity can convert real funds in an amount equal to the amount in the customer selected
- server 100 aggregate the amounts in each currency before settling. This
- the frequency may vary depending on the volatility of
- server 100 is bound even if the later currency exchange rates are or become
- the server 100 may have a preestablished
- the predetermined amount of time may be on the order of several seconds or minutes. During this predetermined amount of time,
- the server 100 aggregate transactions and submit them in batch for exchange.
- the entity may offer the server 100 a favorable currency
- relating to multi-currency transactions can be fixed at the time of the transaction. In this manner, risks to these parties heretofore associated with currency exchange is minimized. To this end, the parties to a multi-currency transaction authorize an approving entity to settle the transaction.
- This data includes an
- the approving entity approves the transaction.
- the approving entity may actually settle the transaction at its discretion thereby bearing the risk associated with currency exchange.
- the parties however, incur no risk.
Abstract
Description
Claims
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU33065/97A AU713339B2 (en) | 1996-06-14 | 1997-06-06 | System and method for multi-currency transactions |
CA002260002A CA2260002C (en) | 1996-06-14 | 1997-06-06 | System and method for multi-currency transactions |
EP97928913A EP0910840A2 (en) | 1996-06-14 | 1997-06-06 | System and method for multi-currency transactions |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/663,896 | 1996-06-14 | ||
US08/663,896 US5897621A (en) | 1996-06-14 | 1996-06-14 | System and method for multi-currency transactions |
Publications (2)
Publication Number | Publication Date |
---|---|
WO1997048078A2 true WO1997048078A2 (en) | 1997-12-18 |
WO1997048078A3 WO1997048078A3 (en) | 1998-01-29 |
Family
ID=24663678
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1997/009961 WO1997048078A2 (en) | 1996-06-14 | 1997-06-06 | System and method for multi-currency transactions |
Country Status (5)
Country | Link |
---|---|
US (4) | US5897621A (en) |
EP (1) | EP0910840A2 (en) |
AU (1) | AU713339B2 (en) |
CA (1) | CA2260002C (en) |
WO (1) | WO1997048078A2 (en) |
Cited By (15)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5897621A (en) * | 1996-06-14 | 1999-04-27 | Cybercash, Inc. | System and method for multi-currency transactions |
WO2001086597A2 (en) * | 2000-05-10 | 2001-11-15 | E-Centives, Inc. | Using currency to purchase from sellers that do not recognize the currency |
WO2002003270A1 (en) * | 2000-07-04 | 2002-01-10 | Aai Inc. | Commerce method and device, system, and recorded medium |
US6381316B2 (en) | 1998-09-15 | 2002-04-30 | Unpaid Systems, Ltd. | Enhanced communication platform and related communication method using the platform |
FR2821506A1 (en) * | 2001-02-23 | 2002-08-30 | France Telecom | METHOD AND DEVICE FOR SECURING A TRANSACTION BETWEEN A TRADER AND A CUSTOMER CARRYING A PAYMENT CARD |
EP1295230A1 (en) * | 2000-05-31 | 2003-03-26 | American International Group, Inc. | Method and system for foreign exchange price procurement and automated hedging |
US7660768B2 (en) | 2002-11-07 | 2010-02-09 | Planet Payment, Inc. | Time-of-transaction foreign currency conversion |
US7698185B2 (en) * | 2005-04-28 | 2010-04-13 | Loylogic, Inc. | Methods and systems for generating dynamic reward currency values |
US7742985B1 (en) | 2003-06-26 | 2010-06-22 | Paypal Inc. | Multicurrency exchanges between participants of a network-based transaction facility |
US9092792B2 (en) | 2002-06-10 | 2015-07-28 | Ebay Inc. | Customizing an application |
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Also Published As
Publication number | Publication date |
---|---|
USRE41619E1 (en) | 2010-08-31 |
CA2260002C (en) | 2002-12-31 |
EP0910840A2 (en) | 1999-04-28 |
USRE44502E1 (en) | 2013-09-17 |
WO1997048078A3 (en) | 1998-01-29 |
CA2260002A1 (en) | 1997-12-18 |
US5897621A (en) | 1999-04-27 |
AU3306597A (en) | 1998-01-07 |
US6205433B1 (en) | 2001-03-20 |
AU713339B2 (en) | 1999-12-02 |
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