公开(公告)号：US08606662B2

公开(公告)日：2013-12-10

申请号：US12416727

申请日：2009-04-01

申请人： Brad Michael Tomchek ,  Jill E. Chong ,  Suman Rausaria ,  Cathrine Lee Bone ,  Linda L. McCorkell ,  Shoon Ping Wong ,  Janet Smith

发明人： Brad Michael Tomchek ,  Jill E. Chong ,  Suman Rausaria ,  Cathrine Lee Bone ,  Linda L. McCorkell ,  Shoon Ping Wong ,  Janet Smith

IPC分类号： G07B17/00 ,  G07F19/00 ,  G06Q40/00 ,  G06Q40/06 ,  G06Q20/10 ,  G07F7/10

CPC分类号： G06Q40/06 ,  G06Q20/10 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/405 ,  G06Q30/0241 ,  G06Q30/0283 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/12 ,  G07F7/1008 ,  H04L63/101

摘要： A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing within a database a list of merchants participating in a co-brand program with the interchange network, receiving an authorization request for the transaction involving the co-brand payment card wherein the authorization request includes a merchant identifier, determining whether the transaction originated at one of the participating merchants by comparing the received merchant identifier to the list of participating merchants stored within the database, manipulating the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting an authorization response from the interchange network to the acquirer. The authorization response includes the private label identifier and designates the transaction for processing as a private label transaction.

摘要翻译： 提供了通过多方支付卡交换网络使用共同品牌专有支付卡处理金融交易的方法和系统。 该方法包括在数据库中存储与交换网络参与共同品牌节目的商家列表，接收涉及共同品牌支付卡的交易的授权请求，其中授权请求包括商家标识符，确定交易 通过将所接收到的商家标识符与存储在数据库中的参与商户的列表进行比较来起源于参与商家之一，当交易被确定为在参与商家之一发起时，操纵授权请求以包括私人标签标识符;以及 从交换网向发送方发送授权响应。 授权响应包括私有标签标识符，并指定作为私有标签交易处理的交易。

公开(公告)号：US20090254463A1

公开(公告)日：2009-10-08

申请号：US12416728

申请日：2009-04-01

申请人： Brad Michael Tomchek ,  Jill E. Chong ,  Suman Rausaria ,  Cathrine Lee Bone ,  Linda L. McCorkell ,  Shoon Ping Wong ,  Janet Smith

发明人： Brad Michael Tomchek ,  Jill E. Chong ,  Suman Rausaria ,  Cathrine Lee Bone ,  Linda L. McCorkell ,  Shoon Ping Wong ,  Janet Smith

IPC分类号： G06Q20/00 ,  G06Q10/00 ,  G06F17/30 ,  G06F17/40 ,  G06Q40/00 ,  G06Q30/00

CPC分类号： G06Q20/35785 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q30/0283 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/12 ,  H04L63/101

摘要： A method and system for processing a financial transaction using a payment card through a third-party interchange network is provided. The financial transaction is initiated by a cardholder at a merchant location. The method includes storing a list of private label participating merchants, receiving an authorization request for the transaction involving the payment card wherein the authorization request includes a merchant location identifier for the merchant location where the transaction occurred, performing a merchant screening process on the transaction including validating the transaction as originating at a private label participating merchant location, manipulating at the interchange network the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting the manipulated authorization request with the private label identifier to an issuer of the payment card for processing as a private label transaction.

摘要翻译： 提供了一种通过第三方交换网络处理使用支付卡的金融交易的方法和系统。 金融交易由商户位置的持卡人发起。 所述方法包括存储私人标签参与商家的列表，接收涉及支付卡的交易的授权请求，其中所述授权请求包括所述交易发生的商户位置的商户位置标识符，对所述交易进行商家筛选处理，包括 将所述交易验证为在私人标签参与商户位置发起，在所述交易所网络处操作所述授权请求以在所述交易被确定为在所述参与商家中的一个发起时包括私人标签标识符，以及将所述被操纵的授权请求与 私人标签标识符作为私人标签交易处理的支付卡的发行者。

公开(公告)号：US08271392B2

公开(公告)日：2012-09-18

申请号：US12416728

申请日：2009-04-01

申请人： Brad Michael Tomchek ,  Jill E. Chong ,  Suman Rausaria ,  Cathrine Lee Bone ,  Linda L. McCorkell ,  Shoon Ping Wong ,  Janet Smith

发明人： Brad Michael Tomchek ,  Jill E. Chong ,  Suman Rausaria ,  Cathrine Lee Bone ,  Linda L. McCorkell ,  Shoon Ping Wong ,  Janet Smith

IPC分类号： G06Q20/00

CPC分类号： G06Q20/35785 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q30/0283 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/12 ,  H04L63/101

摘要： A method and system for processing a financial transaction using a payment card through a third-party interchange network is provided. The financial transaction is initiated by a cardholder at a merchant location. The method includes storing a list of private label participating merchants, receiving an authorization request for the transaction involving the payment card wherein the authorization request includes a merchant location identifier for the merchant location where the transaction occurred, performing a merchant screening process on the transaction including validating the transaction as originating at a private label participating merchant location, manipulating at the interchange network the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting the manipulated authorization request with the private label identifier to an issuer of the payment card for processing as a private label transaction.

摘要翻译： 提供了一种通过第三方交换网络处理使用支付卡的金融交易的方法和系统。 金融交易由商户位置的持卡人发起。 所述方法包括存储私人标签参与商家的列表，接收涉及支付卡的交易的授权请求，其中所述授权请求包括所述交易发生的商户位置的商户位置标识符，对所述交易进行商家筛选处理，包括 将所述交易验证为在私人标签参与商户位置发起，在所述交易所网络处操作所述授权请求以在所述交易被确定为在所述参与商家中的一个发起时包括私人标签标识符，以及将所述被操纵的授权请求与 私人标签标识符作为私人标签交易处理的支付卡的发行者。

公开(公告)号：US20090254462A1

公开(公告)日：2009-10-08

申请号：US12416727

申请日：2009-04-01

申请人： Brad Michael Tomchek ,  Jill E. Chong ,  Suman Rausaria ,  Cathrine Lee Bone ,  Linda L. McCorkell ,  Shoon Ping Wong ,  Janet Smith

发明人： Brad Michael Tomchek ,  Jill E. Chong ,  Suman Rausaria ,  Cathrine Lee Bone ,  Linda L. McCorkell ,  Shoon Ping Wong ,  Janet Smith

IPC分类号： G06Q20/00 ,  G06Q10/00 ,  G06F17/30 ,  G06F17/40 ,  G06Q30/00 ,  G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q20/10 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/405 ,  G06Q30/0241 ,  G06Q30/0283 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/12 ,  G07F7/1008 ,  H04L63/101

摘要： A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing within a database a list of merchants participating in a co-brand program with the interchange network, receiving an authorization request for the transaction involving the co-brand payment card wherein the authorization request includes a merchant identifier, determining whether the transaction originated at one of the participating merchants by comparing the received merchant identifier to the list of participating merchants stored within the database, manipulating the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting an authorization response from the interchange network to the acquirer. The authorization response includes the private label identifier and designates the transaction for processing as a private label transaction.

摘要翻译： 提供了通过多方支付卡交换网络使用共同品牌专有支付卡处理金融交易的方法和系统。 该方法包括在数据库中存储与交换网络参与共同品牌节目的商家列表，接收涉及共同品牌支付卡的交易的授权请求，其中授权请求包括商家标识符，确定交易 通过将所接收到的商家标识符与存储在数据库中的参与商户的列表进行比较来起源于参与商家之一，当交易被确定为在参与商家之一发起时，操纵授权请求以包括私人标签标识符;以及 从交换网向发送方发送授权响应。 授权响应包括私有标签标识符，并指定作为私有标签交易处理的交易。