发明申请
- 专利标题: System and method of account reconciliation for electronic transactions
- 专利标题(中): 电子交易账户对账系统和方法
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申请号: US10629784申请日: 2003-07-29
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公开(公告)号: US20050027648A1公开(公告)日: 2005-02-03
- 发明人: W. Knowles , David Matthews , Russell Day
- 申请人: W. Knowles , David Matthews , Russell Day
- 主分类号: G06Q20/00
- IPC分类号: G06Q20/00 ; G06F17/60
摘要:
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.