发明名称 |
PROCESS AND SYSTEM FOR PROVIDING AUTOMATED RESPONSES FOR TRANSACTION OPERATIONS |
摘要 |
Various systems for managing chargeback, retrieval, and other requests from the card associations, issuing banks, merchant banks, or other financial institutions requiring a merchant's response are disclosed herein. Such systems may include various forms of hardware, software and manual processes intended to: (a) retrieve transaction requests; (b) retrieve merchant's transaction data; (c) gather merchant's data and compile with normalized transaction request data; (d) create response cases; (e) provide merchant notifications; and (f) transmit responses to requestors. With the present invention, these often independent and incompatible processes, including their non-standard data formats, are normalized and compiled into compatible formats that integrate and facilitate the automation of substantially all aspects of a given chargeback process in one embodiment. |
申请公布号 |
US2017103399(A1) |
申请公布日期 |
2017.04.13 |
申请号 |
US201615268130 |
申请日期 |
2016.09.16 |
申请人 |
NAPSKY JASON;STAMATIS GEORGE GREGORY;BRIGGS LLOYD |
发明人 |
NAPSKY JASON;STAMATIS GEORGE GREGORY;BRIGGS LLOYD |
分类号 |
G06Q20/40;G06Q20/32 |
主分类号 |
G06Q20/40 |
代理机构 |
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代理人 |
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主权项 |
1. An apparatus for processing a payment transaction and for automatically processing a chargeback request, comprising:
a. storing in an account database a plurality of account profiles, wherein each account profile includes data related to a payment account including at least an account identifier; b. further storing data indicative of a consumer request to reverse a consumer charge activity related to said account database; c. a processor whereby said consumer request is recorded in a master consumer chargeback database, wherein said consumer requests are originated from a plurality of card brands and a plurality of merchants, so that said master consumer chargeback database contains data not obtainable from a single card brand; and d. an automatic chargeback disposition process whereby each card brand may establish a series of rules sufficient to either issue a credit to said consumer in response to said consumer request or deny said request. |
地址 |
BOYNTON BEACH FL US |