公开(公告)号：US20060212391A1

公开(公告)日：2006-09-21

申请号：US11137407

申请日：2005-05-26

申请人： Richard Norman ,  Tommy Vicknair ,  Carl Shishmanian ,  John Stephens ,  W. Jennings ,  David James

发明人： Richard Norman ,  Tommy Vicknair ,  Carl Shishmanian ,  John Stephens ,  W. Jennings ,  David James

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/102

摘要： According to one embodiment, the present invention relates to a method and a system for efficient transaction processing. According to an exemplary embodiment, a method and system for facilitating settlement processing within a network of financial institutions may include receiving one or more payment items from a plurality of payment entities, at a centralized agent, wherein the one or more payment items comprise one or more electronic images and paper instruments; aggregating the payment items into one or more categories; identifying a payee financial institution and a payor financial institution for each payment items, wherein the payee financial institution and the payor financial institution are different; determining whether the payee financial institution and the payor financial institution are within the network of financial institutions; for the payee and payor within the network, determining at the centralized agent a settlement path within the network of financial institutions for each payment item; and for the payee and payor that are not within the network, forwarding the payment items to a third party settlement entity by the centralized agent for settlement processing.

摘要翻译： 根据一个实施例，本发明涉及一种用于高效交易处理的方法和系统。 根据示例性实施例，一种用于促进金融机构的网络内的结算处理的方法和系统可以包括在集中式代理处从多个支付实体接收一个或多个支付项目，其中所述一个或多个支付项目包括一个或多个支付项目， 更多的电子图像和纸张仪器; 将付款项目聚合成一个或多个类别; 确定每个付款项目的收款人金融机构和付款人金融机构，其中收款人金融机构和付款人金融机构不同; 确定收款人金融机构和付款人金融机构是否在金融机构网络内; 对于网络中的收款人和付款人，在集权代理处确定每个付款项目的金融机构网络内的结算路径; 对于不在网络内的收款人和付款人，由中央代理人将付款项转发给第三方结算单位进行结算处理。