公开(公告)号：US08086524B1

公开(公告)日：2011-12-27

申请号：US11852772

申请日：2007-09-10

申请人： Patrick James Craig ,  Konrad Simeon Feldman ,  Leonard Justin Laufer ,  Michael Heller ,  Paul Sutter ,  Nikolas Alexander Sulkowski

发明人： Patrick James Craig ,  Konrad Simeon Feldman ,  Leonard Justin Laufer ,  Michael Heller ,  Paul Sutter ,  Nikolas Alexander Sulkowski

IPC分类号： G06Q40/00

CPC分类号： G06Q20/10 ,  G06Q40/025

摘要： One embodiment of the present invention relates to a computer implemented method for transaction processing that includes: transacting for a first and a second transactions for at least one of: a purchase; and a cash advance; sending requests for authorization of the first and second transactions; declining, by a primary lender, the requests for authorization; evaluating the declined requests for authorization by a secondary lender; authorizing, by the secondary lender, the declined requests for authorization in the form of authorization approvals; communicating the authorization approvals by the primary lender; posting the transactions to a balance sheet of the secondary lender in the form of amounts due to the primary lender; funding the transactions by the primary lender; summing up one or more debits and one or more credits of the posted transactions of the secondary lender; and settling any amounts due between the primary and secondary lenders.

摘要翻译： 本发明的一个实施例涉及一种用于交易处理的计算机实现方法，其包括：对于以下中的至少一个交易第一和第二交易：购买; 和现金预支; 发送第一次和第二次交易授权请求; 由主要贷款人拒绝授权请求; 评估二级贷方拒绝的授权请求; 由二级贷方授权以授权批准的形式拒绝授权; 传达主要贷方的授权许可; 以次级贷款人的款项的形式将交易发布到次级贷方的资产负债表; 为主要贷方提供交易资金; 总结一次或多次借方和一次或多次次级贷方的贴现交易; 并处理小学和中学贷款人之间的任何欠款。