发明授权
- 专利标题: Methods and systems for routing payment transactions
- 专利标题(中): 路由支付交易的方法和系统
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申请号: US14217894申请日: 2014-03-18
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公开(公告)号: US08924294B2公开(公告)日: 2014-12-30
- 发明人: Sean T. Lynch , Dickson Chu
- 申请人: Citicorp Credit Services, Inc.
- 申请人地址: US NY New York
- 专利权人: Citicorp Credit Services, Inc.
- 当前专利权人: Citicorp Credit Services, Inc.
- 当前专利权人地址: US NY New York
- 代理机构: Johnson, Marcou & Isaacs, LLC
- 代理商 John M. Harrington, Esq.
- 主分类号: G06Q40/00
- IPC分类号: G06Q40/00 ; G06Q20/10 ; G06Q20/02 ; G06Q20/22 ; G06Q20/40 ; G06Q30/00 ; G06Q99/00 ; H04L9/00 ; G06Q20/00
摘要:
Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks.
公开/授权文献
- US20140201071A1 Methods and Systems for Routing Payment Transactions 公开/授权日:2014-07-17