公开(公告)号：US08620806B2

公开(公告)日：2013-12-31

申请号：US13548983

申请日：2012-07-13

申请人： Ana Paula Martinez Prada Peyser ,  Bruce William Mac Nair ,  Cristobel Kay von Walstrom ,  Gary Randall Horn ,  Jason Alexander Korosec ,  Kimberly Ann Martin ,  Peter Julian Ramon Antonio R. Flor ,  Raegen Ann-Marie Lang ,  Richard Thomas Flynn ,  Todd C. Lowenberg ,  Thomas Joseph Sellner

发明人： Ana Paula Martinez Prada Peyser ,  Bruce William Mac Nair ,  Cristobel Kay von Walstrom ,  Gary Randall Horn ,  Jason Alexander Korosec ,  Kimberly Ann Martin ,  Peter Julian Ramon Antonio R. Flor ,  Raegen Ann-Marie Lang ,  Richard Thomas Flynn ,  Todd C. Lowenberg ,  Thomas Joseph Sellner

IPC分类号： G06Q40/00 ,  G06Q40/02

CPC分类号： G06Q20/023 ,  G06Q20/20 ,  G06Q40/025

摘要： A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.

摘要翻译： 网络运营商通过向支付设备发行商发送富有清理的商家数据的出站清算数据文件来中介无现金交易。 选择参与商户数据清理服务的发行人将被提供清洁和可选增加的商家信息。 向发行人提供此数据可用于帮助降低与持卡人“不承认”电话相关的费用，有争议的费用和退款。 通过清除记录中提供的清洁数据，设备持有者将被访问通过其声明进行交易的商家清洁信息。 本公开还提供了增加清算记录数据以包括当前不包括在交易清算记录中的特定商户的附加和/或汇总数据，但是在形式和内容方面对于发行者都是有用的。

公开(公告)号：US20130018781A1

公开(公告)日：2013-01-17

申请号：US13548983

申请日：2012-07-13

申请人： Ana Paula Martinez Prada Peyser ,  Bruce William Mac Nair ,  Cristobel Kay von Walstrom ,  Gary Randall Horn ,  Jason Alexander Korosec ,  Kimberly Ann Martin ,  Peter Julian Ramon Antonio R. Flor ,  Raegen Ann-Marie Lang ,  Richard Thomas Flynn ,  Todd C. Lowenberg ,  Thomas Joseph Sellner

发明人： Ana Paula Martinez Prada Peyser ,  Bruce William Mac Nair ,  Cristobel Kay von Walstrom ,  Gary Randall Horn ,  Jason Alexander Korosec ,  Kimberly Ann Martin ,  Peter Julian Ramon Antonio R. Flor ,  Raegen Ann-Marie Lang ,  Richard Thomas Flynn ,  Todd C. Lowenberg ,  Thomas Joseph Sellner

IPC分类号： G06Q20/10

CPC分类号： G06Q20/023 ,  G06Q20/20 ,  G06Q40/025

摘要： A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.

摘要翻译： 网络运营商通过向支付设备发行商发送富有清理的商家数据的出站清算数据文件来中介无现金交易。 选择参与商户数据清理服务的发行人将被提供清洁和可选增加的商家信息。 向发行人提供此数据可用于帮助降低与持卡人不接受电话，有争议的费用和退款相关的成本。 通过清除记录中提供的清洁数据，设备持有者将被访问通过其声明进行交易的商家清洁信息。 本公开还提供了增加清算记录数据以包括当前不包括在交易清算记录中的特定商户的附加和/或汇总数据，但是在形式和内容方面对于发行者都是有用的。