Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
1998-11-03
2001-05-08
Millin, Vincent (Department: 2761)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S039000, C705S040000
Reexamination Certificate
active
06230145
ABSTRACT:
TECHNICAL FIELD
The present invention relates generally to providing credit card account and transaction information via the Internet.
BACKGROUND ART
Merchants require access to bank card transaction data such as funding and charge back information. Funding information includes what was funded to a merchant account over a given time interval. A charge back is a returned transaction resulting from the lack of adherence to the conditions of a sales agreement, association regulations, or operating procedures. A corresponding merchant account is debited in response to a charge back. What is needed is an improved method for use with the Internet for providing bank card transaction data to merchants.
SUMMARY OF THE INVENTION
Accordingly, it is an object of the present invention to provide a method for use on the Internet which provides merchants with access to bank card transaction data including funding and charge back information.
In carrying out the above object and other objects, the present invention provides a method of providing bank transaction data for a merchant via the Internet. The method includes displaying on a computer connected to a host graphical user interface having a plurality of payment services categories. Each of the payment services categories is associated with a processing function performed by the host. One of the payment services categories is then selected. A graphical user interface having links associated with the selected one of the payment services categories is then displayed on the computer. One of the links is then selected. A graphical user interface having entry boxes associated with the selected one of the links is then displayed on the computer. Requested information is then entered into the entry boxes. The requested information entered into the entry boxes is then processed at the host. A graphical user interface having bank card transaction data associated with the processed requested information is then displayed on the computer.
The advantages accruing to the present invention are numerous. For instance, the method provides an all-in-one suite of account management tools for reconciling accounts, obtaining reports, analyzing trends, researching transactions, tracking and auditing transactions, and managing charge backs.
The above objects and other objects, features, and advantages of the present invention are readily apparent from the following detailed description of the best mode for carrying out the invention when taken in connection with the accompanying drawings.
REFERENCES:
patent: 5963925 (1999-10-01), Kolling et al.
“American Express's New Online Service for Merchants,” Credit Card News, May 1, 1996, p. 3.*
“The Real Credit is Innovation: Savvy Credit Card Companies, Alomg With Issuers and Processors, Offer Cybertools to Aid in Marketing and Customer Service as well as Accounting,” Nation's Restaurant News, vol. 34, No. 44, Nov. 3, 1997.*
“Meet the ‘Coopetition’,” Credit Card Management, Jun., 1997, p. 12.*
“Vital Introduces First Standards-Based Internet Commerce Payment Gateway Service,” PR Newswire, Sep. 14, 1998.*
“Checking AmEx Balances Via the Web,” Newsbytes, Apr. 30, 1997.*
“Merchants Can Track Purchases By Modem (Abstract)”, DM News, Dec. 2, 1996.
Cannon Jonathan Michael
Verderamo Richard James
Brooks & Kushman P.C.
First Data Corporation
Millin Vincent
Patel Jagdish N
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