公开(公告)号：US08620805B2

公开(公告)日：2013-12-31

申请号：US13431557

申请日：2012-03-27

申请人： Darren Davis ,  Tom Koch ,  John D. Miller ,  Eric Philips ,  Guy B. Sereff ,  Stacy Tobias ,  Vasu Vemuri ,  Rochelle Wesselink ,  Scott Tanguay ,  Robert Strub ,  Caleb Williams ,  Shamus Weiland

发明人： Darren Davis ,  Tom Koch ,  John D. Miller ,  Eric Philips ,  Guy B. Sereff ,  Stacy Tobias ,  Vasu Vemuri ,  Rochelle Wesselink ,  Scott Tanguay ,  Robert Strub ,  Caleb Williams ,  Shamus Weiland

IPC分类号： G06Q40/00

CPC分类号： G06Q20/38 ,  G06Q20/1085 ,  G06Q40/02

摘要： Methods and systems of processing payments globally over one of a plurality of payment processing paths employ computer hardware and software for receiving a request to access a global payment utility, presenting a plurality of payment options by the global payment utility, and receiving information by the global payment utility consisting at least in part of a source of payment, a payment destination, and a user-designated payment vehicle. Upon receiving the information, one of a plurality of payment processing paths for the payment is selected according to a clearing rules aspect of a rules engine of the global payment utility, and the payment is routed for processing via the selected payment processing path.

摘要翻译： 通过多个支付处理路径中的一个处理全球处理支付的方法和系统采用计算机硬件和软件来接收访问全球支付实用程序的请求，由全球支付实用程序呈现多个支付选项，以及由全球支付实体接收信息 支付实用程序至少部分地由支付来源，付款目的地和用户指定的支付车辆组成。 在接收到该信息时，根据全球支付实用程序的规则引擎的清算规则方面选择用于支付的多个支付处理路径中的一个，并且经由所选择的支付处理路径将支付路由以进行处理。

公开(公告)号：US20130297490A1

公开(公告)日：2013-11-07

申请号：US13462999

申请日：2012-05-03

申请人： Deborah D. McWhinney ,  Julia C. Pukas ,  Kevin Tissot ,  Guy B. Sereff ,  Cecilia Leung ,  Julie Monaco ,  David Strong ,  Craig Hansen

发明人： Deborah D. McWhinney ,  Julia C. Pukas ,  Kevin Tissot ,  Guy B. Sereff ,  Cecilia Leung ,  Julie Monaco ,  David Strong ,  Craig Hansen

IPC分类号： G06Q20/22

CPC分类号： G06Q20/22 ,  G06Q20/405 ,  G06Q30/06

摘要： Methods and systems for routing payment transactions electronically for multinational vendors in a transnational business environment in which an integrated payments platform processor is used in receiving payment transactions related to a plurality of different countries by a financial institution for online purchases. Each payment transaction is interrogated, using the integrated payments platform processor, to identify the payment transaction as an internal type of transaction or an external type of transaction and a country to which the payment transaction relates. Internal types of transactions are routed to an internal transaction processing path and external types of transactions to an external processing path, and the financial institution may arrange settlement of each payment transaction likewise using the processor.

摘要翻译： 用于在跨国商业环境中为跨国供应商进行电子支付交易的方法和系统，其中使用集成的支付平台处理器来接收由金融机构进行在线购买的与多个不同国家相关的支付交易。 使用综合支付平台处理器询问每个支付交易，以将支付交易识别为内部交易类型或外部交易类型以及支付交易所涉及的国家。 内部类型的交易被路由到内部交易处理路径和外部交易类型到外部处理路径，并且金融机构可以同样使用处理器来安排每个支付交易的结算。

公开(公告)号：US20130262292A1

公开(公告)日：2013-10-03

申请号：US13431557

申请日：2012-03-27

申请人： Darren Davis ,  Tom Koch ,  John D. Miller ,  Eric Philips ,  Guy B. Sereff ,  Stacy Tobias ,  Vasu Vemuri ,  Rochelle Wesselink ,  Scott Tanguay ,  Robert Strub ,  Caleb Williams ,  Shamus Weiland

发明人： Darren Davis ,  Tom Koch ,  John D. Miller ,  Eric Philips ,  Guy B. Sereff ,  Stacy Tobias ,  Vasu Vemuri ,  Rochelle Wesselink ,  Scott Tanguay ,  Robert Strub ,  Caleb Williams ,  Shamus Weiland

IPC分类号： G06Q20/38

CPC分类号： G06Q20/38 ,  G06Q20/1085 ,  G06Q40/02

摘要： Methods and systems of processing payments globally over one of a plurality of payment processing paths employ computer hardware and software for receiving a request to access a global payment utility, presenting a plurality of payment options by the global payment utility, and receiving information by the global payment utility consisting at least in part of a source of payment, a payment destination, and a user-designated payment vehicle. Upon receiving the information, one of a plurality of payment processing paths for the payment is selected according to a clearing rules aspect of a rules engine of the global payment utility, and the payment is routed for processing via the selected payment processing path.

摘要翻译： 通过多个支付处理路径中的一个处理全球处理付款的方法和系统采用计算机硬件和软件来接收访问全球支付实用程序的请求，由全球支付实用程序呈现多个支付选项，以及由全球支付实体接收信息 支付实用程序至少部分地由支付来源，付款目的地和用户指定的支付车辆组成。 在接收到该信息时，根据全球支付实用程序的规则引擎的清算规则方面选择用于支付的多个支付处理路径中的一个，并且经由所选择的支付处理路径将支付路由以进行处理。