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1. 发明申请

US20160247139A1 Centralized Receipt Repository 审中-公开
标题翻译：集中接收存储库
公开(公告)号：US20160247139A1
公开(公告)日：2016-08-25
申请号：US14627407
申请日：2015-02-20
申请人： Stefan David Kraus
发明人： Stefan David Kraus
IPC分类号： G06Q20/32 , G06F17/30 , G06Q20/40
CPC分类号： G06Q20/3223 , G06Q20/40
摘要： The system tracks transaction information as it goes to the acquiring network; where it is associated with the card type, matched to the issuer, and sent via the IS08583 authorization stream for approval. Elements are extracted from the IS08583 message to represent the payment receipt then sent to and stored in a centralized payment receipt repository (CRR). A real-time record of the payment is recorded and a message confirmation notice is sent to the mobile device. The message confirmation sent to the mobile device contains merchant specific data. The real-time message contains transaction details and allows for additional functionality to classify the transaction as a “business” or “personal” expense or other expense type. Additional functionality allows a user to capture a photo of the payment receipt. All of the transaction, classification information, payment receipt photographs, and history is stored on backend servers and can be accessed via a user's account. The system produces reports from the stored information directly on the mobile device, or to any computer or device, which has internet or networking capabilities. The system will create both personal and business reports. A user can access the stored and classified information and save it to a predefined format using the mobile interface. The user can export this information in a variety of formats. The main functionality of this invention is to capture transaction history, create digital images of payment receipts, organize the payment receipts by category or other designated purpose reports based on stored transaction and payment receipt information, and export the report information to a file in any data format with separation, saves time, and enable a user to have an instant accessible location to view and manage payment receipt.
摘要翻译：系统跟踪交易信息到采集网络; 与卡类型相关联，与发行人相匹配，并通过IS08583授权流发送批准。从IS08583消息中提取元素以表示然后发送到并存储在集中式支付收据存储库（CRR）中的支付收据。记录付款的实时记录，并向移动设备发送消息确认通知。发送到移动设备的消息确认包含商家特定数据。实时消息包含交易详细信息，并允许额外的功能将交易分类为“业务”或“个人”费用或其他费用类型。附加功能允许用户捕获付款收据的照片。所有交易，分类信息，付款收据照片和历史记录都存储在后端服务器上，可以通过用户的帐户访问。该系统从存储的信息直接在移动设备或具有互联网或网络功能的任何计算机或设备上产生报告。系统将创建个人和商业报告。用户可以访问存储的和分类的信息，并使用移动界面将其保存为预定格式。用户可以以各种格式导出此信息。本发明的主要功能是捕获交易历史，创建付款收据的数字图像，根据存储的交易和付款收据信息按类别或其他指定的目的报告组织支付收据，并将报告信息导出到任何数据中的文件格式与分离，节省时间，并使用户能够立即访问位置来查看和管理付款收据。

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