公开(公告)号：US20080021821A1

公开(公告)日：2008-01-24

申请号：US11490682

申请日：2006-07-21

Applicant: Dinesh Kumar Katyal ,  James Alan Schneider ,  David C. Lo ,  John Hodgkinson

Inventor： Dinesh Kumar Katyal ,  James Alan Schneider ,  David C. Lo ,  John Hodgkinson

IPC: G06Q40/00

CPC classification number: G06Q20/385 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/102 ,  G06Q20/24

Abstract: A system and method for reconciling a payment to a merchant (e.g., from a credit card issuer or processor) with a set of credit card transactions corresponding to the payment. A reconciliation facilitator assigns unique transaction IDs to credit card transactions submitted by the merchant. The reconciliation facilitator issues authorization requests for some or all of the transactions, and also submits a settlement request for authorized transactions, wherein one or both types of requests include the unique transaction IDs of the associated transactions. When a set of transactions is settled, their unique IDs are received as part of the settlement data, and the reconciliation facilitator can identify the settled transactions to the merchant (e.g., through his accounting or point-of-sale software).

Abstract translation: 一种用于将付款与商家（例如，从信用卡发卡机构或处理器）进行协调的系统和方法以及与该支付相对应的一组信用卡交易。 协调促进者为商家提交的信用卡交易分配唯一的交易ID。 协调促进者发出部分或全部交易的授权请求，并且还提交授权交易的结算请求，其中一种或两种类型的请求包括关联交易的唯一交易ID。 当一组交易被解决时，它们的唯一ID作为结算数据的一部分被收到，并且协调促进者可以向商家（例如通过他的会计或销售点软件）识别已结算的交易。

公开(公告)号：US08245920B1

公开(公告)日：2012-08-21

申请号：US12353007

申请日：2009-01-13

Applicant: Dinesh Kumar Katyal ,  James Alan Schneider ,  David C. Lo ,  John Hodgkinson

Inventor： Dinesh Kumar Katyal ,  James Alan Schneider ,  David C. Lo ,  John Hodgkinson

IPC: G06K5/00

CPC classification number: G06Q20/385 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/102 ,  G06Q20/24

Abstract: One embodiment of the present invention provides a system for facilitating a financial transaction. During operation, the system receives a request for a financial transaction from a merchant, wherein the financial transaction involves a payment to the merchant. Next, the system obtains a unique transaction identifier for the financial transaction. The system then associates the unique transaction identifier with the request to facilitate reconciliation of the financial transaction. Finally, the system forwards the request along with the unique transaction identifier to one or more financial institutions for subsequent processing of the financial transaction, which can involve reconciliation and/or settlement of the financial transaction.

Abstract translation: 本发明的一个实施例提供了一种便于金融交易的系统。 在操作期间，系统从商家接收对金融交易的请求，其中金融交易涉及对商家的支付。 接下来，系统获得金融交易的唯一交易标识符。 然后，该系统将唯一的交易标识符与促进金融交易协调的请求相关联。 最后，系统将请求与唯一的交易标识符一起转发给一个或多个金融机构，以便后续处理金融交易，这可能涉及金融交易的和解和/或结算。

公开(公告)号：US07726561B2

公开(公告)日：2010-06-01

申请号：US11490682

申请日：2006-07-21

Applicant: Dinesh Kumar Katyal ,  James Alan Schneider ,  David C. Lo ,  John Hodgkinson

Inventor： Dinesh Kumar Katyal ,  James Alan Schneider ,  David C. Lo ,  John Hodgkinson

IPC: G06K5/00

CPC classification number: G06Q20/385 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/102 ,  G06Q20/24

Abstract: A system and method for reconciling a payment to a merchant (e.g., from a credit card issuer or processor) with a set of credit card transactions corresponding to the payment. A reconciliation facilitator assigns unique transaction IDs to credit card transactions submitted by the merchant. The reconciliation facilitator issues authorization requests for some or all of the transactions, and also submits a settlement request for authorized transactions, wherein one or both types of requests include the unique transaction IDs of the associated transactions. When a set of transactions is settled, their unique IDs are received as part of the settlement data, and the reconciliation facilitator can identify the settled transactions to the merchant (e.g., through his accounting or point-of-sale software).

Abstract translation: 一种用于将付款与商家（例如，从信用卡发卡机构或处理器）进行协调的系统和方法以及与该支付相对应的一组信用卡交易。 协调促进者为商家提交的信用卡交易分配唯一的交易ID。 协调促进者发出部分或全部交易的授权请求，并且还提交授权交易的结算请求，其中一种或两种类型的请求包括关联交易的唯一交易ID。 当一组交易被解决时，它们的唯一ID作为结算数据的一部分被收到，并且协调促进者可以向商家（例如通过他的会计或销售点软件）识别已结算的交易。