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(11)    Patent No :    AP 2239    (73) Applicant(s)       
(21)    Application No :    AP/P/2007/003913    FEXCO MERCHANT SERVICES, Fexco Financial Services       
            Centre, Iveragh Road, Killorglin, County Kerry,       
(22)    Filing Date :    06.07.2005    Ireland       
(24)    Date of Grant &    27.05.2011           
(45)    Publication :

(30)    Priority Data            (72) Inventors   
    (33) Country    (31) Number    (32) Date    CLEARY Denis, Ireland   
    AU    2004903810    12.07.2004    RING Tim, Ireland   
    NZ    534045    12.07.2004       
                (74) Representative   
(84)    Designated State           
    BW  GM  KE    NA   TZ   ZM    ZW    HONEY & BLANCKENBERG   
(51)    International    Classification    G06Q20/00 (2006.01)    G07F 7/08 (2006.01)   
            G06F17/60 (2006.01)       

(54)    Title

Direct currency conversion

(57)    Abstract

This invention concerns direct currency conversion, that is automatic currency conversion at point of payment for card transactions. In particular it concerns a method for operating equipment associated with a financial transaction.


method includes the steps of: Presenting a card related to a customer's account. Recording a card number from the card. Applying all or part of the card number to a tree structure, and automatically processing that number by the tree one bit at a time to arrive at an end node of the tree coded with information related to the currency of the customer's card account. Determining the currency of the customer's card account. Comparing the currency of the customer's card account with one or more currencies predetermined for the equipment. Where the comparison indicates different currencies, providing direct currency conversion services. In other aspects it concerns the equipment itself, and a method of preparing a tree structure for

(56)    Documents Cited :    WO 02 071194 A    JP 2001273568 A    JP 11328539 A


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