专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明申请

US20100114760A1 ONLINE INTERACTIVE ISSUED ACCOUNT ACQUIRED TRANSACTION INFORMATION MANAGEMENT 审中-公开
标题翻译：在线互动发行账户所得交易信息管理
公开(公告)号：US20100114760A1
公开(公告)日：2010-05-06
申请号：US12534800
申请日：2009-08-03
申请人： Raj Sundarasen , Ramki Rosanuru , Srini Reddi , Sharon North , Heide Ulrich , Peter Ciurea , Karteek Patel , Sarah Suarez , Alistair Duncan , Pat Stan , Tim Ural
发明人： Raj Sundarasen , Ramki Rosanuru , Srini Reddi , Sharon North , Heide Ulrich , Peter Ciurea , Karteek Patel , Sarah Suarez , Alistair Duncan , Pat Stan , Tim Ural
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/04 , G06Q20/10 , G06Q20/20
摘要： A single point of access and an integrated user experience for a set of tools are provided for a payment processing system that includes a transaction handler in communication with issuers and acquirers for the processing of payments from the issuers to the acquirers. The tools include: (i) commercial reporting; (ii) expense management; and (iii) account program management tools that are used by (a) issuers who issue the accounts for the cards to account holders and by (b) the account holders. Multiples services are integrated as relevant to specific audiences through an entitlement process, where a single point access is allowed. Applications, which can be developed and/or hosted independently, are accessible through a common interface.
摘要翻译：为一种支付处理系统提供单一访问点和综合用户体验，支付处理系统包括与发行者和收单方通信的交易处理程序，用于处理从发行人到收单方的付款。这些工具包括：（i）商业报告; （ii）费用管理; （iii）由（a）发行人向账户持有人发行账户的发行人和（b）账户持有人使用的账户管理工具。通过允许单点访问的授权过程将多个服务集成到特定受众的相关内容中。可以通过公共接口访问可以独立开发和/或托管的应用程序。

2. 发明申请

US20110004552A1 METHOD AND SYSTEM FOR CONDUCTING A COMMERCIAL TRANSACTION BETWEEN A BUYER AND A SELLER 审中-公开
公开(公告)号：US20110004552A1
公开(公告)日：2011-01-06
申请号：US12882677
申请日：2010-09-15
申请人： Jonathan Vaux , Brian Triplett , Michael Dreyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
发明人： Jonathan Vaux , Brian Triplett , Michael Dreyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/40 , G06Q30/04 , G06Q40/025
摘要： A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction. On the scheduled day of payment, the system calculates one or more fees, such as a transaction fee, for the transaction according to a pre-defined variable pricing matrix, which is determined based on a set of pre-negotiated conditions agreed to by the issuer, the acquirer, the seller and the buyer. For example, the transaction fee is an amount used by the issuer and the acquirer to compensate each other for processing the payment on behalf of the buyer and the seller. After the transaction fee is calculated, information relating to the transaction fee and the payment instruction is formatted into a proper message format(s) and submitted for authorization, clearing and settlement. The issuer and the acquirer then communicate with one another directly or indirectly to settle the funds. Additionally, the system provides transaction and activity reports to all relevant parties as well as access to status information for invoices and payments.

3. 发明申请

US20090063334A1 Business-to-business transaction processing utilizing electronic payment network 审中-公开
标题翻译：使用电子支付网络的企业对企业交易处理
公开(公告)号：US20090063334A1
公开(公告)日：2009-03-05
申请号：US11897142
申请日：2007-08-28
申请人： Alistair Duncan
发明人： Alistair Duncan
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/40 , G06Q30/06
摘要： Embodiments in accordance with the present invention relate to methods and systems allowing an electronic payment processing network to be utilized to conduct transactions between businesses (B2B) or other entities. In one embodiment, funds may be transferred between businesses (buyer, seller) through a payment processing network utilizing offsetting credit and debit transactions to an account with a dummy acquirer entity. This payment may be achieved utilizing only conventional message types (request for authorization, settlement) that are expected to be transmitted over the network during the course of a familiar merchant/consumer purchase transaction.
摘要翻译：根据本发明的实施例涉及允许电子支付处理网络用于在企业（B2B）或其他实体之间进行交易的方法和系统。在一个实施例中，资金可以通过支付处理网络在商业（买方，卖方）之间转移，利用抵消信用和借方交易到具有虚拟获取方实体的账户。这种支付可以仅利用在熟悉的商家/消费者购买交易过程中期望通过网络传输的传统消息类型（请求授权，结算）来实现。

4. 发明申请

US20110004548A1 METHOD AND SYSTEM FOR CONDUCTING A COMMERCIAL TRANSACTION BETWEEN A BUYER AND A SELLER 审中-公开
公开(公告)号：US20110004548A1
公开(公告)日：2011-01-06
申请号：US12881831
申请日：2010-09-14
申请人： Jonathan Vaux , Brian Triplett , Michael Deyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
发明人： Jonathan Vaux , Brian Triplett , Michael Deyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/40 , G06Q30/04 , G06Q40/025
摘要： A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction. On the scheduled day of payment, the system calculates one or more fees, such as a transaction fee, for the transaction according to a pre-defined variable pricing matrix, which is determined based on a set of pre-negotiated conditions agreed to by the issuer, the acquirer, the seller and the buyer. For example, the transaction fee is an amount used by the issuer and the acquirer to compensate each other for processing the payment on behalf of the buyer and the seller. After the transaction fee is calculated, information relating to the transaction fee and the payment instruction is formatted into a proper message format(s) and submitted for authorization, clearing and settlement. The issuer and the acquirer then communicate with one another directly or indirectly to settle the funds. Additionally, the system provides transaction and activity reports to all relevant parties as well as access to status information for invoices and payments.

5. 发明授权

US07822679B1 Method and system for conducting a commercial transaction between a buyer and a seller 有权
标题翻译：在买方和卖方之间进行商业交易的方法和系统
公开(公告)号：US07822679B1
公开(公告)日：2010-10-26
申请号：US10020466
申请日：2001-10-29
申请人： Jonathan Vaux , Brian Triplett , Michael Dreyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
发明人： Jonathan Vaux , Brian Triplett , Michael Dreyer , Loraine Martin Yeakle , Alistair Duncan , Paulo Fernandes
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/40 , G06Q30/04 , G06Q40/025
摘要： A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction.
摘要翻译：公开了一种在买方和卖方之间进行商业交易的系统。该系统包括用于促进买方和卖方之间的交易的支付的交易处理系统。除了买方和卖方外，交易处理系统还与发行人和收单方互动。与交易相关的电子发票首先由卖方或其他系统发布到系统。收到电子发票后，系统会创建付款指示。每次创建支付指令时，系统将买方和卖方之间的一些预先协商的支付条款和条件应用于支付指令。付款指示创建后，系统将从买方获得批准。在批准买方的付款指示后，系统会在支付指示中安排指定日期的付款。

6. 发明申请

US20090254603A1 ACCESS SERVER FOR CERTIFYING AND VALIDATING DATA IN A PROCESSING NETWORK 审中-公开
标题翻译：访问服务器用于在处理网络中认证和确认数据
公开(公告)号：US20090254603A1
公开(公告)日：2009-10-08
申请号：US12062466
申请日：2008-04-03
申请人： Alistair Duncan
发明人： Alistair Duncan
IPC分类号： G06F15/16
CPC分类号： G06F21/64
摘要： An access server at individual issuer sites in a processing network facilitates communication with a processor. The processing network is a closed network under the control of the processor. The access server receives data from data providing entities for data certification and validation before the data is forwarded to the processor via the processing network. If the data cannot be certified because it is not properly formatted for the processor, the access server accesses the data in a format that can be processed by the processor. The extended access server also reports any errors to the issuer so that the issuer may address the errors and re-submit the data. After all errors are addressed, the properly formatted and error-free data is forwarded to the payment processor for processing.
摘要翻译：在处理网络中的各个发行者站点处的访问服务器便于与处理器的通信。处理网络是处理器控制下的封闭网络。访问服务器在数据通过处理网络转发到处理器之前从数据提供实体接收数据进行数据认证和验证。如果由于处理器格式不正确，数据无法通过认证，则访问服务器将以处理器可处理的格式访问数据。扩展访问服务器还向发布者报告任何错误，以便发行方可以解决错误并重新提交数据。处理所有错误后，将正确格式化和无错误的数据转发到付款处理器进行处理。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式