发明名称 |
Financial transaction processing system |
摘要 |
The automated method of the present invention provides an efficient arrangement for setting certain financial transactions using a debit point of sale transaction network, as opposed to routing over a credit network. The method and arrangement uses an onsite database of bank identification numbers to conduct a preliminary assessment of whether a particular card is debit capable, and appropriately processes the transaction information based on the preliminary assessment. The system preferably is also updated when a financial transaction is successfully completed as a debit transaction which the database did not initially identify as being debit capable. In this way, the database is continuously updated and over time, a more accurate database is achieved. The system can also be networked, such that information between databases is shard and improved, based on the network experience.
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申请公布号 |
US2002165829(A1) |
申请公布日期 |
2002.11.07 |
申请号 |
US20010863759 |
申请日期 |
2001.05.24 |
申请人 |
JONES JOHN A.;BRAY HAROLD;SMITH JAMES H.;WAKEFIELD JEFFREY A.;SOKOLOWSKI GREGORY M.;DECARO FRANK J.;VERMEULEN PAUL J.;CHOUDHURI KUMAR S.;JANES DAVID M.;BROWN CHARLES C.;GOLBA TOM G.;AMMON THOMAS C.;CHRISMAN KARL |
发明人 |
JONES JOHN A.;BRAY HAROLD;SMITH JAMES H.;WAKEFIELD JEFFREY A.;SOKOLOWSKI GREGORY M.;DECARO FRANK J.;VERMEULEN PAUL J.;CHOUDHURI KUMAR S.;JANES DAVID M.;BROWN CHARLES C.;GOLBA TOM G.;AMMON THOMAS C.;CHRISMAN KARL |
分类号 |
G06Q20/00;G07F7/10;(IPC1-7):G06F17/60 |
主分类号 |
G06Q20/00 |
代理机构 |
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