System and method of transferring data through transaction process
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United States of America Patent
Stats
-
May 1, 2012
Grant Date -
Mar 19, 2009
app pub date -
Nov 24, 2008
filing date -
Feb 21, 2003
priority date (Note) -
Expired
status (Latency Note)
Importance
Abstract
A transaction process system (10) provides for data transactions between parties. In a credit card transaction, the parties are the merchant (20), acquiring bank (24), card association (34), issuing bank (14), and cardholder (12). A transaction processing center (30) is positioned between the acquiring bank and the card association. The transaction processing center provides data processing channels for message-based processing (72) and filed-based processing (76). The file-based processing uses an incoming queue (80) and outgoing queue (84) to simplify the interface. The transaction processing center also provides for currency conversions and account reconciliation on a per transaction basis. The transaction processing center uses a scheduler (160) to efficiently manage the data processing resources.
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