公开(公告)号：US06169974A

公开(公告)日：2001-01-02

申请号：US09168470

申请日：1998-10-08

申请人： James W. Baumgartner ,  Cynthia M. Smith

发明人： James W. Baumgartner ,  Cynthia M. Smith

IPC分类号： G06F1760

CPC分类号： G06Q20/02 ,  G06Q20/023 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/14

摘要： A procedure for tracking transactions carried out between multiple cost centers and an in-house supply facility of a business entity is carried out by setting up the supply facility to function essentially in the same manner as an independent retail merchant through the existing bank card association. Transaction information is then transferred as a batch to a merchant accounting system which transfers the information to the bank card association to the card issuer. The card issuer then provides a funds payment that is transferred through the bank card network to the merchant accounting system and finally to the merchant acquirer. The merchant acquirer, however, then transfers the funds back to the credit card issuer to cancel out the original funds transfer and thereby provide a closed loop funds transfer. Periodically, the merchant accounting system provides a comprehensive collection of the transaction information performed by the stock room to the credit card issuer who in turn generates a transaction report that is provided to the business entity for updating its general ledger. At the close of a month, the totality of transactions for the stock room of the business entity is communicated to the credit card issuer which in turn determines the amount of interchange fees it has received from the merchant acquirer and pays a corresponding amount for the interchange fees back to the merchant acquirer, thus essentially zeroing out the interchange fees in a closed loop manner.

摘要翻译： 通过设立供应设施，通过现有银行卡协会基本上以与独立零售商相同的方式履行在多个成本中心和商业实体的内部供应设施之间进行的跟踪交易的程序。 然后将交易信息作为批次转移到商业会计系统，该会计系统将信息传送到卡发行商的银行卡关联。 然后，卡发行商提供通过银行卡网络转移到商家会计系统的资金支付，最后提供给商家收单方。 然而，商户收款方然后将资金转回信用卡发行人，以取消原始资金转账，从而提供封闭式资金转帐。 周期性地，商业会计系统将由库房执行的交易信息全面收集到信用卡发卡人，信用卡发卡人又产生提供给业务实体的交易报告，以更新其总帐。 一个月末，业务实体股票房间的交易总数被通知给信用卡发卡机构，从而确定其从商户收到者收到的交换费用金额，并支付相应的交换金额 费用回到商家收单方，从而基本上以闭环方式清除交换费。