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    METHOD AND APPARATUS FOR PROCESSING A CHARGE APPLIED TO A FINANCIAL ACCOUNT
    2.
    发明申请
    METHOD AND APPARATUS FOR PROCESSING A CHARGE APPLIED TO A FINANCIAL ACCOUNT 审中-公开
    用于处理适用于财务帐目的费用的方法和装置

    公开(公告)号：US20090228381A1

    公开(公告)日：2009-09-10

    申请号：US12468637

    申请日：2009-05-19

    申请人： Magdalena Mik ,  Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    发明人： Magdalena Mik ,  Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    IPC分类号： G06Q20/00 ,  G06Q30/00 ,  G06Q40/00

    CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q30/04 ,  G06Q40/08 ,  G06Q50/22

    摘要： In one embodiment, a billing server receives charge data from a card authorization terminal. The charge data indicates a transaction amount, such as a purchase price, and a first financial account, such as a credit card account. The billing server determines a second financial account that corresponds to the first financial account. For example, the second financial account may be the financial account of an insurance company or other reimbursing party. The billing server also determines a reimbursement amount that corresponds to the first financial account. The second financial account is charged the reimbursement amount. Thus, a portion or all of the transaction amount is paid by a reimbursing party. The second financial account is only charged if a reimbursement rule is satisfied. For example, only purchases made at certain types of merchants may be reimbursed. In addition, the billing server may first request approval before charging the second financial account.

    摘要翻译： 在一个实施例中，记帐服务器从卡授权终端接收费用数据。 费用数据表示交易金额，例如购买价格，以及第一个金融账户，如信用卡账户。 计费服务器确定对应于第一金融账户的第二金融账户。 例如，第二财务帐户可以是保险公司或其他报销方的财务账户。 计费服务器还确定对应于第一金融账户的报销金额。 第二个财务帐户收取报销金额。 因此，一部分或全部交易金额由偿付方支付。 第二个财务帐户只有在偿还规定得到满足的情况下才会被收取。 例如，只有在某些类型的商家进行的购买可能会被报销。 此外，计费服务器可以在对第二金融账户收费之前首先请求批准。

    Method and apparatus for processing a charge applied to a financial account
    5.
    发明授权
    Method and apparatus for processing a charge applied to a financial account 失效
    用于处理应用于金融账户的费用的方法和装置

    公开(公告)号：US07536349B1

    公开(公告)日：2009-05-19

    申请号：US09098481

    申请日：1998-06-16

    申请人： Magdalena Mik ,  Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    发明人： Magdalena Mik ,  Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    IPC分类号： G06Q40/00 ,  G06F17/60

    CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q30/04 ,  G06Q40/08 ,  G06Q50/22

    摘要： A billing server receives charge data from a card authorization terminal. The charge data indicates a transaction amount, such as a purchase price, and a first financial account, such as a credit card account. The billing server determines a second financial account that corresponds to the first financial account. For example, the second financial account may be the financial account of an insurance company or other reimbursing party. The billing server also determines a reimbursement amount that corresponds to the first financial account. The second financial account is charged the reimbursement amount. Thus, a portion or all of the transaction amount is paid by a reimbursing party. The second financial account is only charged if a reimbursement rule is satisfied. For example, only purchases made at certain types of merchants may be reimbursed. In addition, the billing server may first request approval before charging the second financial account.

    摘要翻译： 计费服务器从卡授权终端接收费用数据。 费用数据表示交易金额，例如购买价格，以及第一个金融账户，如信用卡账户。 计费服务器确定对应于第一金融账户的第二金融账户。 例如，第二财务帐户可以是保险公司或其他报销方的财务账户。 计费服务器还确定对应于第一金融账户的报销金额。 第二个财务帐户收取报销金额。 因此，一部分或全部交易金额由偿付方支付。 第二个财务帐户只有在偿还规定得到满足的情况下才会被收取。 例如，只有在某些类型的商家进行的购买可能会被报销。 此外，计费服务器可以在对第二金融账户收费之前首先请求批准。