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    • 6. 发明申请
    • METHOD AND SYSTEM FOR PROCESSING ELECTRONIC PAYMENT TRANSACTIONS
    • WO2005091814A3
    • 2005-10-06
    • PCT/US2005/004738
    • 2005-02-15
    • FIRST DATA CORPORATIONSANCHEZ, Douglas, J.NGUYEN, TrungPALERMO, Michael
    • SANCHEZ, Douglas, J.NGUYEN, TrungPALERMO, Michael
    • G06Q40/00
    • 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 (111) that effectuates the authorization of electronic payment requests and the settlement of authorized electronic payments. The transaction software engine (111), in accordance with an embodiment of the invention, resides at a merchant's site (100) and more specifically within the merchant's server (110) 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 (120). 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 (111). As a result, the transaction software engine (111) 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 (142).
    • 7. 发明申请
    • METHOD AND SYSTEM FOR PROCESSING ELECTRONIC PAYMENT TRANSACTIONS
    • 处理电子支付交易的方法和系统
    • WO2005091814A2
    • 2005-10-06
    • PCT/US2005004738
    • 2005-02-15
    • FIRST DATA CORPSANCHEZ DOUGLAS JNGUYEN TRUNGPALERMO MICHAEL
    • SANCHEZ DOUGLAS JNGUYEN TRUNGPALERMO MICHAEL
    • G06Q20/023G06Q20/102G06Q20/12G06Q20/40G06Q40/00
    • 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.
    • 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。