EP3903266A4 - Electronic payment processing using adjusted interchange rate - Google Patents

Electronic payment processing using adjusted interchange rate Download PDF

Info

Publication number: EP3903266A4
Authority: EP; European Patent Office
Prior art keywords: payment processing; electronic payment; interchange rate; adjusted interchange; adjusted
Prior art date: 2018-12-24
Legal status (The legal status 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 status listed.): Pending

Application number

EP19902386.2A

Other languages

German (de)

French (fr)

Other versions

EP3903266A1 (en

Inventor

Dean Michael LEAVITT

James Edward LISTER

Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)

Boost Payment Solutions LLC

Original Assignee

Boost Payment Solutions LLC

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.)

2018-12-24

Filing date

2019-12-24

Publication date

2022-10-05

2019-12-23Priority claimed from US16/725,595external-prioritypatent/US11514435B2/en

2019-12-24Application filed by Boost Payment Solutions LLCfiledCriticalBoost Payment Solutions LLC

2021-11-03Publication of EP3903266A1publicationCriticalpatent/EP3903266A1/en

2022-10-05Publication of EP3903266A4publicationCriticalpatent/EP3903266A4/en

StatusPendinglegal-statusCriticalCurrent

Classifications

- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules

Landscapes

Business, Economics & Management (AREA)
Accounting & Taxation (AREA)
Engineering & Computer Science (AREA)
General Business, Economics & Management (AREA)
Strategic Management (AREA)
Physics & Mathematics (AREA)
General Physics & Mathematics (AREA)
Theoretical Computer Science (AREA)
Computer Security & Cryptography (AREA)
Finance (AREA)
Development Economics (AREA)
Economics (AREA)
Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Cash Registers Or Receiving Machines (AREA)

EP19902386.2A2018-12-242019-12-24Electronic payment processing using adjusted interchange ratePendingEP3903266A4 (en)

Applications Claiming Priority (3)

Application Number	Priority Date	Filing Date	Title
US201862784594P	2018-12-24	2018-12-24
US16/725,595US11514435B2 (en)	2011-10-12	2019-12-23	Electronic payment processing using adjusted interchange rate
PCT/US2019/068465WO2020139876A1 (en)	2018-12-24	2019-12-24	Electronic payment processing using adjusted interchange rate

Publications (2)

Publication Number	Publication Date
EP3903266A1 EP3903266A1 (en)	2021-11-03
EP3903266A4true EP3903266A4 (en)	2022-10-05

Family

ID=71126317

Family Applications (1)

Application Number	Title	Priority Date	Filing Date
EP19902386.2APendingEP3903266A4 (en)	2018-12-24	2019-12-24	Electronic payment processing using adjusted interchange rate

Country Status (9)

Country	Link
EP (1)	EP3903266A4 (en)
AU (2)	AU2019416190A1 (en)
BR (1)	BR112021012466A2 (en)
CA (1)	CA3124679A1 (en)
CO (1)	CO2021009458A2 (en)
IL (2)	IL317974A (en)
MX (1)	MX2021007745A (en)
SG (1)	SG11202106905WA (en)
WO (1)	WO2020139876A1 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number	Priority date	Publication date	Assignee	Title
US12125054B2 (en)	2018-09-25	2024-10-22	Valideck International Corporation	System, devices, and methods for acquiring and verifying online information
US11797962B2 (en)*	2019-06-10	2023-10-24	The Toronto-Dominion Bank	Configuring data transfers based on electronic messages

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number	Priority date	Publication date	Assignee	Title
US7603312B2 (en)*	2007-04-25	2009-10-13	Pe Systems, Inc.	Altering card-issuer interchange categories
US20090234748A1 (en)*	2008-03-11	2009-09-17	First Data Corporation	Interchange fee notification
US20110320354A1 (en)*	2010-06-28	2011-12-29	Coon Jonathan C	Systems and methods for asynchronous mobile authorization of credit card purchases
WO2012088344A1 (en)*	2010-12-21	2012-06-28	Visa International Service Association	Transaction rate processing apparatuses, methods and systems
US20140279524A1 (en)*	2013-03-15	2014-09-18	Jeffrey Scott Slusser	Interchange Rate Based Convenience Fee, Service Fee, and Surcharge System Patent
US10540643B2 (en)*	2016-04-15	2020-01-21	Mastercard International Incorporated	Interchange rate processing system and method

2019
- 2019-12-24AUAU2019416190Apatent/AU2019416190A1/ennot_activeAbandoned
- 2019-12-24EPEP19902386.2Apatent/EP3903266A4/enactivePending
- 2019-12-24SGSG11202106905WApatent/SG11202106905WA/enunknown
- 2019-12-24BRBR112021012466-7Apatent/BR112021012466A2/enunknown
- 2019-12-24ILIL317974Apatent/IL317974A/enunknown
- 2019-12-24CACA3124679Apatent/CA3124679A1/enactivePending
- 2019-12-24MXMX2021007745Apatent/MX2021007745A/enunknown
- 2019-12-24WOPCT/US2019/068465patent/WO2020139876A1/ennot_activeCeased
2021
- 2021-06-23ILIL284337Apatent/IL284337A/enunknown
- 2021-07-21COCONC2021/0009458Apatent/CO2021009458A2/enunknown
2024
- 2024-12-03AUAU2024270636Apatent/AU2024270636A1/enactivePending

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
No further relevant documents disclosed*

Also Published As

Publication number	Publication date
CA3124679A1 (en)	2020-07-02
CO2021009458A2 (en)	2021-08-09
WO2020139876A1 (en)	2020-07-02
AU2024270636A1 (en)	2024-12-19
SG11202106905WA (en)	2021-07-29
AU2019416190A1 (en)	2021-07-15
EP3903266A1 (en)	2021-11-03
MX2021007745A (en)	2021-10-26
IL284337A (en)	2021-08-31
IL317974A (en)	2025-02-01
BR112021012466A2 (en)	2021-09-28

Publication	Publication Date	Title
SG11202010130VA (en)	2020-11-27	Blockchain transaction processing
GB2574891B (en)	2021-05-12	Data processing
EP3855384A4 (en)	2022-06-15	Information processing device
EP3748576A4 (en)	2021-03-31	Information processing device
EP3966768A4 (en)	2023-01-04	Wearable payment device
EP3542334A4 (en)	2020-04-29	Electronic payment processing
EP3862721A4 (en)	2022-07-13	Information processing device
IL279006A (en)	2021-01-31	Data processing
EP3776808A4 (en)	2021-02-17	Electronic apparatus
GB2583535B (en)	2021-11-10	Data processing
EP3748577A4 (en)	2021-03-24	Information processing device
GB2576493B (en)	2022-01-05	Data Processing
EP3747150A4 (en)	2021-08-25	Secure data processing
IL284337A (en)	2021-08-31	Electronic payment processing using adjusted interchange rate
GB2584122B (en)	2024-01-10	Data processing
GB2575801B (en)	2021-12-29	Data Processing
GB2571527B (en)	2020-09-16	Data processing
EP4024354A4 (en)	2023-09-13	Money processing device
EP3997644A4 (en)	2023-08-02	Enhanced payment processing
EP3869698A4 (en)	2022-07-27	Information processing device
GB201908548D0 (en)	2019-07-31	Data processing
EP3649596A4 (en)	2020-12-09	Processing payments
GB201809174D0 (en)	2018-07-25	Data processing
GB2586642B (en)	2022-03-30	Data processing
GB201908168D0 (en)	2019-07-24	Processing data

Legal Events

Date	Code	Title	Description
2020-07-04	STAA	Information on the status of an ep patent application or granted ep patent	Free format text:STATUS: THE INTERNATIONAL PUBLICATION HAS BEEN MADE
2021-10-01	PUAI	Public reference made under article 153(3) epc to a published international application that has entered the european phase	Free format text:ORIGINAL CODE: 0009012
2021-10-01	STAA	Information on the status of an ep patent application or granted ep patent	Free format text:STATUS: REQUEST FOR EXAMINATION WAS MADE
2021-11-03	17P	Request for examination filed	Effective date:20210625
2021-11-03	AK	Designated contracting states	Kind code of ref document:A1 Designated state(s):AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR
2022-03-30	DAV	Request for validation of the european patent (deleted)
2022-03-30	DAX	Request for extension of the european patent (deleted)
2022-10-05	A4	Supplementary search report drawn up and despatched	Effective date:20220902
2022-10-05	RIC1	Information provided on ipc code assigned before grant	Ipc:G06Q 20/00 20120101AFI20220829BHEP

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