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1. 发明申请

US20090119209A1 MOBILE TRANSACTION NETWORK 审中-公开
标题翻译：移动交易网络
公开(公告)号：US20090119209A1
公开(公告)日：2009-05-07
申请号：US12260946
申请日：2008-10-29
申请人： Chris Sorensen , Kenneth Donald Kruszka
发明人： Chris Sorensen , Kenneth Donald Kruszka
IPC分类号： G06Q20/00
CPC分类号： G06Q20/02 , G06Q20/102
摘要： A financial transaction processing system and network that supports multiple types of financial and other transactions which may be initiated or confirmed using a mobile device, internet or telephone. The system employs one or more centralized host processors which connect to one or more clearing banks, and to a network of various other partners which may include custodian banks and other service providers such as merchants. The host processor acts as a communications switch validating incoming transaction requests from users and routing them to the appropriate partners for execution. The central processor maintains user records that can be queried by the partner processors. The financial network provides accessibility, speed and finality of settlement in transactions by using several settlement methods including the use of correspondent bank accounts held at the clearing banks or other interbank settlement methods such as the ACH.
摘要翻译：金融交易处理系统和网络，其支持可以使用移动设备，因特网或电话启动或确认的多种类型的金融和其他交易。该系统采用一个或多个集中的主机处理器，其连接到一个或多个清算银行，以及可以包括托管银行和诸如商家的其他服务提供商的各种其他合作伙伴的网络。主处理器用作通信交换机，用于验证来自用户的传入事务请求，并将其路由到相应的合作伙伴执行。中央处理器维护可由伙伴处理器查询的用户记录。金融网络通过使用多种结算方式提供交易的可及性，速度和最终性，包括使用在清算银行持有的代理银行账户或其他银行间结算方法，如ACH。

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