公开(公告)号：US20050154674A1

公开(公告)日：2005-07-14

申请号：US10992959

申请日：2004-11-19

申请人： Michael Nicholls ,  Lester Maragh ,  Joan DeTemple ,  Rosemary Thomas ,  Zunoraine Holmes ,  George Wilcox ,  Keeley Sapienza ,  Lubna Shad

发明人： Michael Nicholls ,  Lester Maragh ,  Joan DeTemple ,  Rosemary Thomas ,  Zunoraine Holmes ,  George Wilcox ,  Keeley Sapienza ,  Lubna Shad

IPC分类号： G06Q20/00 ,  G07F7/08 ,  G06F17/60

CPC分类号： G06Q20/381 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/208 ,  G06Q20/4037 ,  G06Q40/04 ,  G07F7/08

摘要： A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available.

摘要翻译： 提供了一种动态货币转换系统。 该系统包括银行识别器系统，例如通过将来自卡的银行标识符与参与银行的列表或表格进行比较来确定货币转换是否可用于所呈现的卡的发卡银行。 汇率制度确定汇率是否已经过期，例如与发卡银行的外币相关的汇率。 在持卡人被确定为可用于发卡银行的货币兑换并且汇率尚未到期之后，向持卡人提供选择外币交易的选项，使得持卡人不需要看到这种信息 除非有外币处理。