公开(公告)号：US07853525B2

公开(公告)日：2010-12-14

申请号：US10620293

申请日：2003-07-15

申请人： Anthony James Yeates ,  Pavel Anatolievich Dournov ,  Balaji Balasubramanian ,  Vaidyanathan Arunachalam ,  Donna Lynn Whitlock ,  Timothy Belvin

发明人： Anthony James Yeates ,  Pavel Anatolievich Dournov ,  Balaji Balasubramanian ,  Vaidyanathan Arunachalam ,  Donna Lynn Whitlock ,  Timothy Belvin

IPC分类号： G06Q40/00

CPC分类号： G06Q20/02 ,  G06Q20/027 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q40/00

摘要： A gateway server, point of sale device and protocol are provided for processing financial transactions. A public network interface is configured to couple to a public network and communicate financial authorization requests. The financial authorization requests can include, for example, transaction specific data, a merchant store or location invariant and a supplemental header. A gateway processor processes the financial transaction authorization requests and couples to a financial network interface configured to couple to at least one financial network. The gateway provides a response to the point of sale device based upon data received from the financial network and the authorization request.

摘要翻译： 网关服务器，销售点设备和协议被提供用于处理金融交易。 公共网络接口被配置为耦合到公共网络并传达财务授权请求。 财务授权请求可以包括例如交易特定数据，商店存储或位置不变量和补充标题。 网关处理器处理金融交易授权请求并且耦合到被配置为耦合到至少一个金融网络的金融网络接口。 网关根据从金融网络接收的数据和授权请求，提供对销售点设备的响应。

公开(公告)号：US20110078083A1

公开(公告)日：2011-03-31

申请号：US12917775

申请日：2010-11-02

申请人： Anthony James Yeates ,  Pavel Anatolievich Dournov ,  Balaji Balasubramanian ,  Vaidyanathan Arunachalam ,  Donna Lynn Whitlock ,  Timothy Belvin

发明人： Anthony James Yeates ,  Pavel Anatolievich Dournov ,  Balaji Balasubramanian ,  Vaidyanathan Arunachalam ,  Donna Lynn Whitlock ,  Timothy Belvin

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q20/02 ,  G06Q20/027 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q40/00

摘要： A method for processing financial transactions includes transmitting an authorization request to a payment processing gateway server. The authorization request includes a supplemental header having a contract identification field that stores an identification of a contract between a merchant and a payment provider. A transaction response transmission is received from the payment processing gateway server in response to the authorization request. The transaction response transmission includes a transaction response header and a response data component. The transaction response header includes identification of a particular transaction to which the transaction response transmission is applicable. The response data component includes an indication that the contract is invalid. The indication that the contract is invalid is responded to by facilitating a rejection of the financial transaction.

摘要翻译： 一种用于处理金融交易的方法包括向支付处理网关服务器发送授权请求。 授权请求包括具有存储商家和支付提供商之间的合同标识的合同识别字段的补充头部。 响应于授权请求，从支付处理网关服务器接收到交易响应传输。 事务响应传输包括事务响应报头和响应数据组件。 事务响应报头包括事务响应传输适用于的特定事务的标识。 响应数据组件包括合同无效的指示。 通过促进拒绝该金融交易来回应合同无效的迹象。