WO2000065502A8 - Methods for processing a group of accounts corresponding to different products - Google Patents

Methods for processing a group of accounts corresponding to different products

Info

Publication number
WO2000065502A8
WO2000065502A8 PCT/US1999/031315 US9931315W WO0065502A8 WO 2000065502 A8 WO2000065502 A8 WO 2000065502A8 US 9931315 W US9931315 W US 9931315W WO 0065502 A8 WO0065502 A8 WO 0065502A8
Authority
WO
WIPO (PCT)
Prior art keywords
group
processing
accounts
account
level
Prior art date
Application number
PCT/US1999/031315
Other languages
French (fr)
Other versions
WO2000065502A2 (en
Inventor
Lynn Holm Blagg
Eugene Kathol
Paula J Vovk
Debra A Timmins
Carol Ann Rashleigh
Michael David Hodges
Darren D Beck
Original Assignee
First Data Resources Inc
Lynn Holm Blagg
Eugene Kathol
Paula J Vovk
Debra A Timmins
Carol Ann Rashleigh
Michael David Hodges
Darren D Beck
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
Priority claimed from US09/298,417 external-priority patent/US7076465B1/en
Application filed by First Data Resources Inc, Lynn Holm Blagg, Eugene Kathol, Paula J Vovk, Debra A Timmins, Carol Ann Rashleigh, Michael David Hodges, Darren D Beck filed Critical First Data Resources Inc
Priority to CA 2403176 priority Critical patent/CA2403176A1/en
Priority to AU25972/00A priority patent/AU2597200A/en
Publication of WO2000065502A2 publication Critical patent/WO2000065502A2/en
Publication of WO2000065502A8 publication Critical patent/WO2000065502A8/en

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
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0215—Including financial accounts
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or 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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0233—Method of redeeming a frequent usage reward
    • 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
    • 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

L'invention concerne le traitement d'un groupe de comptes correspondant à différents produits. Elle concerne également un groupe de comptes reliés de façon à créer un groupe dont le traitement peut s'exécuter au niveau groupe, alors que le traitement indépendant des comptes s'exécute au niveau compte. Un groupe comprend généralement un compte-clé et un ou plusieurs comptes indépendants. La relation établie entre les comptes et le groupe est souple, afin de s'adapter aux changements d'état des détenteurs de carte de groupe. Le traitement au niveau groupe consiste à autoriser des transactions, à effectuer des paiements de groupe, à créer des relevés de compte de groupe, à établir des communications entre des détenteurs de carte, et à administrer des programmes de récompense. Chaque groupe dépendant présente une stratégie dépendante associée, qui spécifie des options de traitement de niveau groupe pour le compte dépendant.The invention relates to the processing of a group of accounts corresponding to different products. It also concerns a group of accounts linked in such a way as to create a group whose processing can be carried out at group level, while independent processing of accounts is carried out at account level. A group generally includes a key account and one or more independent accounts. The relationship established between the accounts and the group is flexible, in order to adapt to changes in the status of group card holders. Group-level processing involves authorizing transactions, making group payments, creating group account statements, establishing communications between cardholders, and administering reward programs. Each dependent group has an associated dependent policy, which specifies group-level processing options for the dependent account.

PCT/US1999/031315 1999-04-23 1999-12-30 Methods for processing a group of accounts corresponding to different products WO2000065502A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA 2403176 CA2403176A1 (en) 1999-04-23 1999-12-30 Methods for processing a group of accounts corresponding to different products
AU25972/00A AU2597200A (en) 1999-04-23 1999-12-30 Methods for processing a group of accounts corresponding to different products

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/298,417 1999-04-23
US09/298,417 US7076465B1 (en) 1998-04-24 1999-04-23 Methods for processing a group of accounts corresponding to different products

Publications (2)

Publication Number Publication Date
WO2000065502A2 WO2000065502A2 (en) 2000-11-02
WO2000065502A8 true WO2000065502A8 (en) 2001-11-01

Family

ID=23150430

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1999/031315 WO2000065502A2 (en) 1999-04-23 1999-12-30 Methods for processing a group of accounts corresponding to different products

Country Status (4)

Country Link
US (6) US20040030657A1 (en)
AU (1) AU2597200A (en)
CA (1) CA2403176A1 (en)
WO (1) WO2000065502A2 (en)

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