基本信息:
- 专利标题： METHODS AND SYSTEMS FOR PROVIDING GUARANTEED MERCHANT TRANSACTIONS
- 专利标题（中）：提供担保交易的方法和系统
- 申请号：PCT/US2005/013189 申请日：2005-04-18
- 公开(公告)号：WO2005109307A2 公开(公告)日：2005-11-17
- 发明人： MASCAVAGE, John, Joseph , WEICHERT, Margaret, Morgan , HOGAN, Robert
- 申请人： FIRST DATA CORPORATION , MASCAVAGE, John, Joseph , WEICHERT, Margaret, Morgan , HOGAN, Robert
- 申请人地址： 12500 East Belford Avenue, Englewood, 6 80112-5939 US
- 专利权人： FIRST DATA CORPORATION,MASCAVAGE, John, Joseph,WEICHERT, Margaret, Morgan,HOGAN, Robert
- 当前专利权人： FIRST DATA CORPORATION,MASCAVAGE, John, Joseph,WEICHERT, Margaret, Morgan,HOGAN, Robert
- 当前专利权人地址： 12500 East Belford Avenue, Englewood, 6 80112-5939 US
- 代理机构： GIBBY, Darin, J.
- 优先权： US60/566,486 20040428; US11/105,167 20050412
- 主分类号： G06K5/00
- IPC分类号： G06K5/00
摘要：
A network arrangement is provided for processing credit transactions. A financial network is used to route communications securely between interfaces with the financial network. Merchant systems are coupled with the interfaces, with each merchant system transmitting requests for authorization of credit transactions through the financial network. An issuer system authorizes credit transactions in response to receipt of requests that specify at least a credit account to be used to support a particular credit transaction and a transaction amount for the particular credit transaction. A guarantor system separate from the issuer system determines whether to guarantee credit transactions in response to the requests and transmits responses indicating whether specific credit transactions are to be guaranteed through the financial network to the merchant systems.
摘要（中）：
提供网络安排来处理信用交易。 金融网络用于在与金融网络的接口之间安全地路由通信。 商家系统与接口相结合，每个商家系统通过金融网络传送授权信用交易的请求。 发行人系统授权信用交易，以响应收到指定至少用于支持特定信用交易的信用账户和特定信用交易的交易金额的请求。 与发行人系统分离的担保人系统确定是否根据请求保证信用交易，并发送指示是否通过财务网络向商家系统保证特定信用交易的响应。
IPC结构图谱:
| G | 物理 |
| --G06 | 计算；推算；计数 |
| ----G06K | 数据识别；数据表示；记录载体；记录载体的处理 |
| ------G06K5/00 | 检验在记录载体上标记正确性的方法或装置；纵列检测设备 |