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WO1999003075A1 - Remboursement de pret automatise - Google Patents

Remboursement de pret automatise Download PDF

Info

Publication number
WO1999003075A1
WO1999003075A1 PCT/US1998/013277 US9813277W WO9903075A1 WO 1999003075 A1 WO1999003075 A1 WO 1999003075A1 US 9813277 W US9813277 W US 9813277W WO 9903075 A1 WO9903075 A1 WO 9903075A1
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
payment
accepting
customer identifier
merchant processor
Prior art date
Application number
PCT/US1998/013277
Other languages
English (en)
Inventor
Barbara S. Johnson
Original Assignee
Countrywide Business Alliance, Inc.
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 US08/890,398 external-priority patent/US6826544B1/en
Application filed by Countrywide Business Alliance, Inc. filed Critical Countrywide Business Alliance, Inc.
Priority to CA002295613A priority Critical patent/CA2295613A1/fr
Priority to JP2000502484A priority patent/JP2001509628A/ja
Priority to AU81696/98A priority patent/AU8169698A/en
Priority to EP98931616A priority patent/EP0995174A1/fr
Publication of WO1999003075A1 publication Critical patent/WO1999003075A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • 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
    • G06Q20/12—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
    • G06Q20/30—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
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Definitions

  • This invention relates to systems and processes for automated repayment of a loan by a merchant borrower via fees levied through an entity that processes payment transactions for the merchant
  • Background Information Card e g , credit, debit, charge, smart, etc
  • transactions generally involve at least merchants, merchant processors, issuers, and cardholders
  • Such transactions include authorization, clearing, and settlement processes, and may include the use of a system such as the VisaNet or Cirrus system to authorize, clear, and settle the card payment
  • loan repayment generally is performed by a borrower sending periodic payments directly to the lender by post or by electronic funds transfer through the banking system
  • the invention utilizes a merchant processor in the loan repayment process
  • the merchant processor may be, for example, a third party entity (l e , an entity other than the borrower or the lender), the same entity as the lender, or an entity affiliated in some way with the lender
  • the merchant processor can be a third party
  • the merchant processor can be the same as (or at least closely affiliated with) the lender
  • a "merchant processor" is any entity that acquires merchant transactions such as a bank or other financial institution, or an organization dedicated to acquiring and processing merchant transactions
  • Acquiring merchant transactions generally means receiving payment information from a merchant or on behalf of a merchant, obtaining authorization for the payment from the card issuer, sending that authorization to the merchant, and then
  • the invention relates to systems and processes for automated repayment of a loan made by a lender to a merchant.
  • the systems and processes of the invention utilize consumer payment transactions with the merchant to allow the merchant to reduce the outstanding loan amount.
  • a percentage of a consumer's payment to the merchant e.g., by credit card
  • a merchant that has borrowed a loan amount from the lender accepts a customer-identifying account number (e.g., a credit, charge, payment, or debit card number) as payment from the customer and information related to the payment is forwarded to a merchant processor.
  • a customer-identifying account number e.g., a credit, charge, payment, or debit card number
  • Acceptance of this type of payment from the customer can be done, for example, at a merchant location (e.g., a retail establishment), over the telephone, or electronically via, for example, the World Wide Web by the merchant or on behalf of the merchant.
  • the merchant processor acquires the information related to the payment transaction, processes that information, and forwards at least a portion of the transaction amount to the lender as repayment of at least a portion of the outstanding loan amount owed by the merchant.
  • the loan payments alternatively may be accumulated until a predetermined amount is reached, and then at least a portion of the accumulated payments is forwarded to the lender (or its designee).
  • the merchant processor may periodically forward at least a portion of the payment to the lender or designee.
  • the merchant processor may forward payment amounts every month, or based on an amount such as after each one thousand dollars ($1000) worth of transactions.
  • the lender or designee e.g., a bank or other lending institution, or an entity collecting payments on behalf of the lender receives the portion of the payment forwarded by the merchant processor and applies that amount to the outstanding loan amount owed by the merchant to reduce that outstanding loan amount.
  • a system automates repayment of a loan made by a lender to a merchant by utilizing payment transactions (e.g., credit, debit, charge, payment, smart, etc. card transactions) with the merchant.
  • the system includes means for accepting a customer-identifying account number as payment from the customer and for forwarding information related to the payment to a merchant processor.
  • the merchant may use equipment provided by VeriFone Inc. of Redwood City, California, such as an electronic card swipe machine, to facilitate card transactions by customers.
  • the merchant processor includes means for receiving the information related to the payment and means for forwarding a loan payment to the lender.
  • the invention thus automates the loan repayment process, and provides an easy and efficient mechanism by which merchants that accept customer-identifying account numbers (e.g., credit cards) as payment for good(s) and/or service(s) can repay loans.
  • customer-identifying account numbers e.g., credit cards
  • the borrowing merchants use one or more already-familiar payment transaction processing systems to make the payments required by the lender or the loan collecting entity.
  • the invention makes loan repayment and collection simple and efficient for both the borrower and the lender.
  • FIGS. 1A and IB are schematic illustrations of a payment transaction from authorization
  • FIG. 1A To settlement (FIG. IB).
  • FIG. 2 is a block diagram of a merchant processor making payment to both a merchant and a lender, in accordance with the invention.
  • FIG. 3 A is a diagram of a merchant processor system according to the invention.
  • FIG. 3B is a diagram of a merchant location.
  • a purchase transaction (e g , a credit card transaction) generally begins with a cardholder 10 providing a customer identifier (typically, a unique identifying account number such as that on a credit card such as a Visa or MasterCard card, a debit card, a smart card, a charge card such as an American Express card, etc ) to a merchant 20, as indicated by an arrow 12, for payment of goods and/or services purchased by the customer
  • the merchant can be any business that accepts such form of payment for the goods and/or services provided to customers by the business
  • the cardholder 10 might present the card to the merchant 20 in person, or the cardholder 10 might provide the card number to the merchant over the telephone or electromcally by computer (e g , via the World Wide Web, WWW) Also, the cardholder 10 might provide the card number to an entity acting on behalf of the merchant such as a WWW piovider that sets up and maintains the merchant's Web page(s)
  • the customer identifier e.g a unique identifying account number such as
  • the dollar amount of the customer's purchase is forwarded to the merchant processor 30 by the card issuer 50, as indicated by an arrow 26
  • the merchant processor 30 pays the merchant 20 some amount less than the amount submitted to the merchant processor 30
  • the merchant processor 30 typically charges a fee, often referred to as a discount rate, for processing the purchase transaction
  • the customer's purchase may have been $100, and with a discount rate of 1 9%, the merchant 20 is paid $98 10 (I e , $100 less the 1 9% discount rate) by the merchant processor 30
  • the merchant processor 30 submits the entire amount of the customer ' s purchase to the card issuer 50 via the network 40, as indicated by arrows 36 and 46 Again, the network 40 may be eliminated, and the merchant processor and card issuer functions may be contained in one entity In the case where the network 40 is included and the merchant processor and card issuer functions are separate, the card issuer 50, via the network 40, pays the merchant processor 30 some amount less than the amount submitted to the card issuer 50 by the merchant
  • the card issuer 50 bills the customer or cardholder 10 for the full amount of the original purchase (e g , $100), and the cardholder 10 is responsible for paying that amount, plus any interest and other fees, in full or in installment payments
  • both the merchant processor 30 and the card issuer 50 generally pay a fee to the provider of the network 40
  • the merchant processor might pay $0 069 to VisaNet as a card service fee
  • the card issuer 50 might pay VisaNet $0 059 as a card service and transaction fee
  • These payments by the merchant processor 30 and the card issuer 50 to the provider of the network 40 reduce the amount made off of the surcharge (e g , 1 9%) imposed on the merchant 20 Having described the environment in which the invention operates with reference to FIGS
  • a lender 60 makes a loan to the merchant 20, as indicated by an arrow 62
  • the merchant 20 then is required to pay back the full loan amount plus interest, and possibly fees Currently, the merchant 20 typically pays the outstanding loan back in periodic installments (e g , equal monthly payments over five years)
  • the merchant 20 may make these payments to the lender 60 or to some other loan repayment receiver
  • the loan repayment receiver is identified as the lender 60
  • a purchase transaction occurs as indicated in FIG IB except that the final step where the merchant processor pays the merchant is altered That is, the payment indicated by the arrow 28 is altered
  • the invention involves a merchant processor 300 designed to pay a portion of what would normally go to the merchant 20 to the lender 60 as repayment of at least a portion of the merchant's outstanding loan amount, as indicated by an arrow 29
  • the lender 60 then receives that portion of the payment forwarded by the merchant processor 300 and applies it to the merchant's outstanding loan amount to reduce that outstanding loan amount
  • the merchant processor 300 thus pays the merchant 20 some amount less than what the merchant 20 would receive in
  • the merchant processor 300 typically includes at least a processor 302, memory 304, an input/output (I/O) device 306, a merchant accounts database 308, and a bus 310 or other means for allowing these components to communicate
  • the I/O module 306 allows the merchant processor 300 to communicate electronically with the other components (e g , the merchant 20, the network 40, the card issuer 50 , and the lender 60) in the card transaction processing system shown in the drawings
  • the processor 302 and the memory 304 cooperate with each other and with the other components of the merchant processor 300 to perform all of the functionality described herein
  • the merchant processor 300 executes appropriate software to perform all of the functionality described herein
  • some or all of the functionality described herein can be accomplished with dedicated electronics hard-wired to perform the described functions
  • the merchant accounts database 308 can include information identifying all merchants 20 with which the merchant processor 300 is authorized to do business (e g , at least a plurality of unique merchant code numbers), and it also can include information about which lender 60 is
  • the merchant 20 typically includes at least one computer unit 312, such as a microprocessor and associated peripherals, that communicates over a bus 314 with a consumer data input device 316, a transaction data input device 318, memory 320, and an input/output (I/O) device 322
  • the consumer data input device 316 is located at the point-of-sale to a consumer of merchandise or services from the merchant
  • the device 316 can include a keyboard for use to enter a consumer's account number/identifier, or alternatively it can include a magnetic card reader for reading a magnetic stripe on a plastic card inserted into the reader With such a magnetic stripe card, the stripe is encoded with the identifier (e g , the customer's Visa credit card account number)
  • the device 316 also may include a keyboard for entry of a personal identification number (PIN) for verifying against a code stored in or on the card
  • PIN personal identification number
  • the merchant processor 300 and the merchant 20 can communicate through the I/O devices 306 and 322
  • These devices 306 and 322 can be modems, for example

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

L'invention concerne des systèmes et procédés de remboursement de prêt automatisé faisant appel à des systèmes d'autorisation de prélèvements de consommateur, de compensation et de règlement pour permettre à un commerçant de réduire un montant impayé. Après l'acceptation d'un identificateur de consommateur (par exemple un numéro de compte de carte de crédit, de débit, à puce, de paiement, etc.) comme paiement par le consommateur, les données relatives au paiement sont transmises à un processeur commerçant. Le processeur commerçant acquiert les données relatives au paiement, les traite et transmet au moins une partie du paiement à un destinataire de remboursement de prêt comme remboursement d'au moins une partie du montant impayé dû par le commerçant. Le destinataire du remboursement de prêt reçoit la partie du paiement transmis par le processeur commerçant et transfère cette partie sur le montant impayé dû par le commerçant afin de réduire ce montant impayé.
PCT/US1998/013277 1997-07-09 1998-06-26 Remboursement de pret automatise WO1999003075A1 (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
CA002295613A CA2295613A1 (fr) 1997-07-09 1998-06-26 Remboursement de pret automatise
JP2000502484A JP2001509628A (ja) 1997-07-09 1998-06-26 自動ローン返済
AU81696/98A AU8169698A (en) 1997-07-09 1998-06-26 Automated loan repayment
EP98931616A EP0995174A1 (fr) 1997-07-09 1998-06-26 Remboursement de pret automatise

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US08/890,398 1997-07-09
US08/890,398 US6826544B1 (en) 1997-07-09 1997-07-09 Automated loan repayment
US4606298A 1998-03-23 1998-03-23
US09/046,062 1998-03-23

Publications (1)

Publication Number Publication Date
WO1999003075A1 true WO1999003075A1 (fr) 1999-01-21

Family

ID=26723521

Family Applications (2)

Application Number Title Priority Date Filing Date
PCT/US1998/013293 WO1999003076A1 (fr) 1997-07-09 1998-06-26 Systeme et procede de paiement automatise
PCT/US1998/013277 WO1999003075A1 (fr) 1997-07-09 1998-06-26 Remboursement de pret automatise

Family Applications Before (1)

Application Number Title Priority Date Filing Date
PCT/US1998/013293 WO1999003076A1 (fr) 1997-07-09 1998-06-26 Systeme et procede de paiement automatise

Country Status (5)

Country Link
EP (2) EP0995174A1 (fr)
JP (2) JP2001509628A (fr)
AU (2) AU7988598A (fr)
CA (2) CA2295615A1 (fr)
WO (2) WO1999003076A1 (fr)

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0959440A2 (fr) * 1998-05-22 1999-11-24 Citicorp Development Center, Inc. Système et méthode pour transactions automatisées par coupons électroniques
KR20020016716A (ko) * 2000-08-26 2002-03-06 김성호 금융 대출 서비스와 연계된 물품 판매방법
KR20020059478A (ko) * 2001-01-06 2002-07-13 여 성 규 인터넷 쇼핑몰 피지 가맹업체를 위한 단기대출 서비스제공방법
US6978250B1 (en) 1998-05-22 2005-12-20 Citicorp Development Center, Inc. System and method for automated electronic scrip transactions
CN106886887A (zh) * 2015-12-15 2017-06-23 阿里巴巴集团控股有限公司 一种账户间应用数据交互控制方法及装置
US10685342B2 (en) * 2015-12-03 2020-06-16 Mastercard International Incorporated Systems and methods for use in routing funds, associated with transactions, to direct-pay accounts
US12164794B2 (en) 2021-08-24 2024-12-10 The Toronto-Dominion Bank Partial pass-through data transfer system

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EP1087350A1 (fr) * 1999-09-22 2001-03-28 Trintech Limited Méthode pour transferts de paiement sécurisés
EP1214696A1 (fr) * 1999-09-22 2002-06-19 Trintech Limited Procede de transfert de paiements securise
CA2406105A1 (fr) 2002-09-30 2004-03-30 Canadian National Railway Company Methode et systeme de production de donnees de rapprochement de comptes
US9830651B1 (en) 2014-01-29 2017-11-28 Square, Inc. Crowdfunding framework
US9984412B1 (en) 2014-05-26 2018-05-29 Square, Inc. Approaches to location based merchant financing
US9727912B1 (en) 2014-05-26 2017-08-08 Square, Inc. Approaches for merchant financing
US10445826B1 (en) 2014-05-26 2019-10-15 Square, Inc. Merchant financing system
US9786005B1 (en) 2014-05-26 2017-10-10 Square, Inc. System and methods for financing merchant business needs
US10565642B1 (en) 2014-10-23 2020-02-18 Square, Inc. Inventory management with capital advance
US9836786B1 (en) 2014-11-13 2017-12-05 Square, Inc. Intelligent division of funds across merchant accounts
US10902512B1 (en) 2015-01-22 2021-01-26 Square, Inc. Third party merchant financing
US9824394B1 (en) 2015-02-06 2017-11-21 Square, Inc. Payment processor financing of customer purchases
US10019698B1 (en) 2015-02-13 2018-07-10 Square, Inc. Merchant cash advance payment deferrals
US9773242B1 (en) 2015-03-19 2017-09-26 Square, Inc. Mobile point-of-sale crowdfunding
US9779432B1 (en) 2015-03-31 2017-10-03 Square, Inc. Invoice financing and repayment
US9892458B1 (en) 2015-03-31 2018-02-13 Square, Inc. Invoice financing and repayment
US10453086B1 (en) 2015-04-01 2019-10-22 Square, Inc. Individualized incentives to improve financing outcomes
US10692140B1 (en) 2017-11-15 2020-06-23 Square, Inc. Customized financing based on transaction information
US10796363B1 (en) 2017-11-15 2020-10-06 Square, Inc. Customized financing based on transaction information

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Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0959440A2 (fr) * 1998-05-22 1999-11-24 Citicorp Development Center, Inc. Système et méthode pour transactions automatisées par coupons électroniques
EP0959440A3 (fr) * 1998-05-22 2000-05-17 Citicorp Development Center, Inc. Système et méthode pour transactions automatisées par coupons électroniques
US6978250B1 (en) 1998-05-22 2005-12-20 Citicorp Development Center, Inc. System and method for automated electronic scrip transactions
KR20020016716A (ko) * 2000-08-26 2002-03-06 김성호 금융 대출 서비스와 연계된 물품 판매방법
KR20020059478A (ko) * 2001-01-06 2002-07-13 여 성 규 인터넷 쇼핑몰 피지 가맹업체를 위한 단기대출 서비스제공방법
US10685342B2 (en) * 2015-12-03 2020-06-16 Mastercard International Incorporated Systems and methods for use in routing funds, associated with transactions, to direct-pay accounts
CN106886887A (zh) * 2015-12-15 2017-06-23 阿里巴巴集团控股有限公司 一种账户间应用数据交互控制方法及装置
CN106886887B (zh) * 2015-12-15 2020-10-02 阿里巴巴集团控股有限公司 一种账户间应用数据交互控制方法及装置
US12164794B2 (en) 2021-08-24 2024-12-10 The Toronto-Dominion Bank Partial pass-through data transfer system

Also Published As

Publication number Publication date
JP2001509628A (ja) 2001-07-24
WO1999003076A1 (fr) 1999-01-21
EP0995174A1 (fr) 2000-04-26
JP2001509629A (ja) 2001-07-24
EP0995173A1 (fr) 2000-04-26
AU7988598A (en) 1999-02-08
AU8169698A (en) 1999-02-08
CA2295615A1 (fr) 1999-01-21
CA2295613A1 (fr) 1999-01-21

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