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1. 发明申请

WO2005091814A2 METHOD AND SYSTEM FOR PROCESSING ELECTRONIC PAYMENT TRANSACTIONS 审中-公开
标题翻译：处理电子支付交易的方法和系统
公开(公告)号：WO2005091814A2
公开(公告)日：2005-10-06
申请号：PCT/US2005004738
申请日：2005-02-15
申请人： FIRST DATA CORP , SANCHEZ DOUGLAS J , NGUYEN TRUNG , PALERMO MICHAEL
发明人： SANCHEZ DOUGLAS J , NGUYEN TRUNG , PALERMO MICHAEL
CPC分类号： G06Q20/023 , G06Q20/102 , G06Q20/12 , G06Q20/40 , G06Q40/00
摘要： Systems and methods are provided for processing transactions, and more specifically for receiving, processing and transmitting electronic payment transaction information. The system and method accesses a transaction software engine that effectuates the authorization of electronic payment requests and the settlement of authorized electronic payments. The transaction software engine, in accordance with an embodiment of the invention, resides at a merchant's site and more specifically within the merchant's server or computer which is in communication with one or more network terminals. With such a system, authorization requests may be sent by a terminal as each transaction occurs. Batches of settlement requests are processed after a predetermined time, although the transactions are processed on a transaction-by-transaction basis. In addition, the software engine enables the transmission of data over the Internet. As a result, the amount of time to process payment authorization and settlement is reduced as compared with the exclusive use of traditional telephone lines. Moreover, the transaction software engine is capable of accepting data of varying formats and reencoding such data so that it can be processed by the transaction software engine. As a result, the transaction software engine can process data that is received from and sent to a variety of terminals as well as data that is sent to and received from a variety of data transaction providers host.
摘要翻译：提供了用于处理事务的系统和方法，更具体地说是用于接收，处理和传送电子支付交易信息。系统和方法访问实现电子支付请求的授权和授权电子支付的结算的交易软件引擎。根据本发明的实施例的交易软件引擎位于商家的站点，更具体地在与一个或多个网络终端通信的商家的服务器或计算机内。使用这样的系统，每个事务发生时，终端可以发送授权请求。批处理结算请求在预定时间之后被处理，尽管交易是按交易的交易进行处理的。此外，软件引擎可以通过互联网传输数据。因此，与独家使用传统电话线相比，处理付款授权和结算的时间减少了。此外，交易软件引擎能够接受不同格式的数据并重新编码这样的数据，使得它可以由交易软件引擎处理。因此，交易软件引擎可以处理从各种终端接收和发送到各种终端的数据，以及发送到各种数据交易提供者主机并从其接收的数据。

2. 发明专利

MXPA06010391A METODO Y SISTEMA PARA PROCESAR SISTEMAS DE PAGO ELECTRONICO. 未知
公开(公告)号：MXPA06010391A
公开(公告)日：2007-01-11
申请号：MXPA06010391
申请日：2005-02-15
申请人： FIRST DATA CORP
发明人： SANCHEZ DOUGLAS J , NGUYEN TRUNG , PALERMO MICHAEL
IPC分类号： G06F17/50
摘要： Son proporcionados sistemas y metodos para procesar transacciones, y mas especificamente para recibir, procesar y transmitir informacion de transacciones de pago electronico. El sistema y el metodo accede un motor de software de transaccion que efectua la autorizacion de peticiones de pago electronico y la liquidacion de pagos electronicos autorizados. El motor de software de transaccion, de acuerdo con una incorporacion de la invencion, decide en un sitio de comerciante y mas especificamente dentro del servidor o computadora del comerciante el cual esta en comunicacion con una o mas terminales de red. Con tal sistema, las peticiones de autorizacion pueden ser enviadas por terminal al ocurrir cada transaccion. Las cargas de peticiones de liquidacion son procesadas despues de un tiempo predeterminado aun cuando las transacciones son procesadas sobre una base de transaccion por transaccion. Ademas, el motor de software permite la transaccion de datos sobre el Internet. Como resultado, la cantidad de tiempo para procesar la autorizacion de pago y la liquidacion se reduce en comparacion con el uso exclusivo de lineas de telefono tradicionales. Ademas, el motor de software de transaccion es capaz de aceptar datos de formatos variables y volver a codificar los datos de manera que estos puedan ser procesados por el motor de software de transaccion. Como resultado, el motor de software de transaccion puede procesar datos que son recibidos desde y enviados a una variedad de terminales asi como datos que son enviados y recibidos desde una variedad de anfitriones proveedores de transaccion de datos.

3. 发明专利

BRPI0508450A 未知
公开(公告)号：BRPI0508450A
公开(公告)日：2007-07-24
申请号：BRPI0508450
申请日：2005-02-15
申请人： FIRST DATA CORP
发明人： SANCHEZ DOUGLAS J , NGUYEN TRUNG , PALERMO MICHEAL
IPC分类号： G06Q40/00

4. 发明专利

AU2005227112A1 Method and system for processing electronic payment transactions 未知
公开(公告)号：AU2005227112A1
公开(公告)日：2005-10-06
申请号：AU2005227112
申请日：2005-02-15
申请人： FIRST DATA CORP
发明人： PALERMO MICHAEL , SANCHEZ DOUGLAS J , NGUYEN TRUNG
IPC分类号： G06Q30/00

5. 发明专利

AU2005227112B2 Method and system for processing electronic payment transactions 未知
公开(公告)号：AU2005227112B2
公开(公告)日：2009-04-02
申请号：AU2005227112
申请日：2005-02-15
申请人： FIRST DATA CORP , WESTERN UNION CO
发明人： PALERMO MICHAEL , SANCHEZ DOUGLAS J , NGUYEN TRUNG
IPC分类号： G06Q20/00 , G06Q40/00
摘要： Systems and methods are provided for processing electronic payment transaction information. A transaction software engine operating in a server at a merchant's site effectuates the authorization of electronic payment requests and the settlement of authorized electronic payments. Authorization requests are sent by a terminal at the merchant's site to the server as each transaction occurs. Batches of settlement requests are processed after a predetermined time, although the transactions are processed on a transaction-by-transaction basis. The transaction software engine is capable of accepting data of varying formats and re-encoding such data so that it can be processed by a host associated with a data transaction provider. Accordingly, the transaction software engine processes data received from a variety of terminals as well as data sent to and received from a variety of data transaction providers.

6. 发明专利

CA2559048A1 METHOD AND SYSTEM FOR PROCESSING ELECTRONIC PAYMENT TRANSACTIONS 未知
公开(公告)号：CA2559048A1
公开(公告)日：2005-10-06
申请号：CA2559048
申请日：2005-02-15
申请人： FIRST DATA CORP
发明人： SANCHEZ DOUGLAS J , NGUYEN TRUNG , PALERMO MICHAEL
IPC分类号： G06Q20/00 , H04L12/16 , H04L29/02

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