发明名称 |
System and method for multi-application payment processing |
摘要 |
A multi-application payment system and method operates in a hybrid closed/open manner. The multi-application payment system and method features a smart card wherein funds are added to the card at point of sale (POS) locations. The card keeps track of the available balance and is used to purchase goods/services at any POS location. During a transaction, the POS location verifies the amount of funds available and then debits the funds available on the card. Transactions between the card and the POS location are preformed in a substantially closed manner. The POS location then transfers data about the transaction (preferably in a batch manner) to a central processing system. The central processing system processes the data in a generally open manner to move funds to the appropriate account, preferably using the Federal ACH interface.
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申请公布号 |
US2007022051(A1) |
申请公布日期 |
2007.01.25 |
申请号 |
US20060436406 |
申请日期 |
2006.05.18 |
申请人 |
PARCXMART TECHNOLOGIES, INC. |
发明人 |
REGAN JOHN;IRVINE MICHAEL;CONNOLLY MARK;KILEY GERARD |
分类号 |
G06Q40/00;G06Q99/00;H04K1/00;H04L9/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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