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TW200612294A - Payment network - Google Patents

Payment network

Info

Publication number
TW200612294A
TW200612294A TW094101130A TW94101130A TW200612294A TW 200612294 A TW200612294 A TW 200612294A TW 094101130 A TW094101130 A TW 094101130A TW 94101130 A TW94101130 A TW 94101130A TW 200612294 A TW200612294 A TW 200612294A
Authority
TW
Taiwan
Prior art keywords
merchants
redemption
accounts
points
issuing
Prior art date
Application number
TW094101130A
Other languages
Chinese (zh)
Inventor
Kuan-Loong Tan
Kar-Wee Pee
Original Assignee
Korvac Consumer Services S Pte Ltd
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
Application filed by Korvac Consumer Services S Pte Ltd filed Critical Korvac Consumer Services S Pte Ltd
Publication of TW200612294A publication Critical patent/TW200612294A/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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/387—Payment using discounts or coupons

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Marketing (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

A payment network (10) for settling loyalty points in a loyalty programme between a plurality of issuing merchants (11) and redemption merchants (12), the network (10) comprising: reading devices provided to the issuing merchants (11) and redemption merchants (12) to read devices of account holders (13) in the loyalty programme and obtain account holder identification information for identifying points accounts of the account holders (13); a fund pool (20) to receive inward funds from monetary accounts of the issuing merchants (11), the inward funds corresponding to the amount of loyalty points issued by the issuing merchants (11), and to disburse outward funds to monetary accounts of the redemption merchants (12), the outward funds corresponding to the amount of loyalty points received by the redemption merchants (12) after redemption by the account holders (13); and a settlement system (30) to settle points accounts of the redemption merchants (12) by transferring an amount of funds corresponding to redeemed loyalty points from the fund pool to the monetary accounts of the redemption merchants (12), and to settle points accounts of the issuing merchants (11) by receiving an amount of funds corresponding to issued loyalty points from the monetary accounts of the issuing merchants (11) to the fund pool.
TW094101130A 2004-10-07 2005-01-14 Payment network TW200612294A (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/SG2004/000324 WO2005073887A1 (en) 2004-10-07 2004-10-07 Payment network

Publications (1)

Publication Number Publication Date
TW200612294A true TW200612294A (en) 2006-04-16

Family

ID=34825324

Family Applications (1)

Application Number Title Priority Date Filing Date
TW094101130A TW200612294A (en) 2004-10-07 2005-01-14 Payment network

Country Status (3)

Country Link
CN (1) CN101120369A (en)
TW (1) TW200612294A (en)
WO (2) WO2005073887A1 (en)

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10062062B1 (en) 2006-05-25 2018-08-28 Jbshbm, Llc Automated teller machine (ATM) providing money for loyalty points
US8684265B1 (en) 2006-05-25 2014-04-01 Sean I. Mcghie Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds
US9704174B1 (en) 2006-05-25 2017-07-11 Sean I. Mcghie Conversion of loyalty program points to commerce partner points per terms of a mutual agreement
US8668146B1 (en) 2006-05-25 2014-03-11 Sean I. Mcghie Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds
US7703673B2 (en) 2006-05-25 2010-04-27 Buchheit Brian K Web based conversion of non-negotiable credits associated with an entity to entity independent negotiable funds
AU2009289465B2 (en) * 2008-09-04 2016-05-12 Mastercard International Incorporated System and method for performing a real time redemption transaction by leveraging a payment network
WO2011031640A2 (en) 2009-09-10 2011-03-17 Visa International Service Association Third party merchant-funded rewards accrual and redemption network
GB2507225A (en) * 2011-07-05 2014-04-23 Gmh Company Pty Ltd Loyalty systems and methods
WO2018174813A1 (en) * 2017-03-22 2018-09-27 Loyalty Advantage Pte. Ltd. Device and method for loyalty partnership

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5774870A (en) * 1995-12-14 1998-06-30 Netcentives, Inc. Fully integrated, on-line interactive frequency and award redemption program
WO2001079966A2 (en) * 2000-04-14 2001-10-25 American Express Travel Related Services Company, Inc. A system and method for using loyalty points
IES20001075A2 (en) * 2000-12-22 2002-07-10 Global Digitaltechnology Holdi A customer loyalty database reward system
US20020107731A1 (en) * 2001-02-07 2002-08-08 Teng Patrick Chee-Wai Purchase-based reward system and method
US20020120497A1 (en) * 2001-02-23 2002-08-29 King Crispin J.B. System and method for operating an awards redemption program
US20020123926A1 (en) * 2001-03-01 2002-09-05 Bushold Thomas R. System and method for implementing a loyalty program incorporating on-line and off-line transactions
US7680688B2 (en) * 2002-05-28 2010-03-16 American Express Travel Related Services Company, Inc. System and method for exchanging loyalty points for acquisitions
US20040200898A1 (en) * 2003-02-14 2004-10-14 Concept Shopping, Inc. Use of limited identification information on point-of-sale systems

Also Published As

Publication number Publication date
WO2006038884A1 (en) 2006-04-13
CN101120369A (en) 2008-02-06
WO2005073887A1 (en) 2005-08-11

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