| 摘要 |
<p>An escrow amount is extracted from funds to be received by a merchant (2) for one or more credit or debit card transactions (1). Upon receiving payment authorization (5) from a credit card issuer (4), an electronic funds processor (EFP) determines an escrow portion associated with each transaction, and stores information about each escrow portion. Upon receiving a payment request from the merchant, the EFP determines an escrow amount from the stored information and issues a credit for the determined escrow amount. An escrow account service provider deposits the credit in a merchant escrow account (6), determines an escrow payment schedule for the merchant to one or more entities, and debits the escrow account to make payments according to the schedule. Alternatively, the EFP is able credit the escrow account with an escrow portion for cash transactions of the merchant.</p> |
