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    • 1. 发明授权
    • System and method of account reconciliation for electronic transactions
    • 电子交易账户对账系统和方法
    • US08204824B2
    • 2012-06-19
    • US12272325
    • 2008-11-17
    • W. Jeffrey KnowlesDavid J. MatthewsRussell Hales Day
    • W. Jeffrey KnowlesDavid J. MatthewsRussell Hales Day
    • G06Q40/00
    • G06Q20/04G06Q20/102G06Q20/12G06Q20/24G06Q20/381G06Q40/025G06Q40/12
    • A transaction process system (10) provides for data transactions between parties. In a credit card transaction, the parties are the merchant (20), acquiring bank (24), card association (34), issuing bank (14), and cardholder (12). A transaction processing center (30) is positioned between the acquiring bank and the card association. The transaction processing center provides data processing channels for message-based processing (72) and filed-based processing (76). The file-based processing uses an incoming queue (80) and outgoing queue (84) to simplify the interface. The transaction processing center also provides for currency conversions and account reconciliation on a per transaction basis. The transaction processing center uses a scheduler (160) to efficiently manage the data processing resources and an account reconciliation processor (200) to identify discrepancies and initiate corrective action.
    • 交易处理系统(10)提供各方之间的数据交易。 在信用卡交易中,双方是商户(20),收款银行(24),卡片协会(34),开证行(14)和持卡人(12)。 交易处理中心(30)位于采集银行和卡片关联之间。 事务处理中心提供用于基于消息的处理(72)和基于归档的处理(76)的数据处理通道。 基于文件的处理使用传入队列(80)和传出队列(84)来简化接口。 交易处理中心还提供每笔交易的货币兑换和账户对账。 事务处理中心使用调度器(160)来有效地管理数据处理资源和帐户对帐处理器(200)以识别差异并启动纠正措施。
    • 4. 发明申请
    • System and Method of Account Reconciliation for Electronic Transactions
    • 电子交易账户对账制度与方法
    • US20090076935A1
    • 2009-03-19
    • US12272325
    • 2008-11-17
    • W. Jeffrey KnowlesDavid J. MatthewsRussell Hales Day
    • W. Jeffrey KnowlesDavid J. MatthewsRussell Hales Day
    • G06Q40/00G06Q10/00
    • G06Q20/04G06Q20/102G06Q20/12G06Q20/24G06Q20/381G06Q40/025G06Q40/12
    • A transaction process system (10) provides for data transactions between parties. In a credit card transaction, the parties are the merchant (20), acquiring bank (24), card association (34), issuing bank (14), and cardholder (12). A transaction processing center (30) is positioned between the acquiring bank and the card association. The transaction processing center provides data processing channels for message-based processing (72) and filed-based processing (76). The file-based processing uses an incoming queue (80) and outgoing queue (84) to simplify the interface. The transaction processing center also provides for currency conversions and account reconciliation on a per transaction basis. The transaction processing center uses a scheduler (160) to efficiently manage the data processing resources and an account reconciliation processor (200) to identify discrepancies and initiate corrective action.
    • 交易处理系统(10)提供各方之间的数据交易。 在信用卡交易中,双方是商户(20),收款银行(24),卡片协会(34),开证行(14)和持卡人(12)。 交易处理中心(30)位于采集银行和卡片关联之间。 事务处理中心提供用于基于消息的处理(72)和基于归档的处理(76)的数据处理通道。 基于文件的处理使用传入队列(80)和传出队列(84)来简化接口。 交易处理中心还提供每笔交易的货币兑换和账户对账。 事务处理中心使用调度器(160)来有效地管理数据处理资源和帐户对帐处理器(200)以识别差异并启动纠正措施。
    • 8. 发明授权
    • System and method of transferring data through transaction process
    • 通过交易过程传输数据的系统和方法
    • US08170928B2
    • 2012-05-01
    • US12276985
    • 2008-11-24
    • W. Jeffrey KnowlesDavid J. MatthewsRussell Hales Day
    • W. Jeffrey KnowlesDavid J. MatthewsRussell Hales Day
    • G06Q10/00G06Q5/00
    • G06Q20/12G06Q10/087G06Q20/10G06Q20/20G06Q20/381
    • A transaction process system (10) provides for data transactions between parties. In a credit card transaction, the parties are the merchant (20), acquiring bank (24), card association (34), issuing bank (14), and cardholder (12). A transaction processing center (30) is positioned between the acquiring bank and the card association. The transaction processing center provides data processing channels for message-based processing (72) and filed-based processing (76). The file-based processing uses an incoming queue (80) and outgoing queue (84) to simplify the interface. The transaction processing center also provides for currency conversions and account reconciliation on a per transaction basis. The transaction processing center uses a scheduler (160) to efficiently manage the data processing resources.
    • 交易处理系统(10)提供各方之间的数据交易。 在信用卡交易中,双方是商户(20),收款银行(24),卡片协会(34),开证行(14)和持卡人(12)。 交易处理中心(30)位于采集银行和卡片关联之间。 事务处理中心提供用于基于消息的处理(72)和基于归档的处理(76)的数据处理通道。 基于文件的处理使用传入队列(80)和传出队列(84)来简化接口。 交易处理中心还提供每笔交易的货币兑换和账户对账。 事务处理中心使用调度器(160)来有效地管理数据处理资源。