System and method for electronic payment processing

G - Physics – 06 – Q

Patent

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G06Q 20/00 (2012.01)

Patent

CA 2675615

A method for electronically processing payments made to a plurality of merchants in a plurality of payment modes includes: (a) receiving information on the payments into a server; (b) processing the information into an automated clearinghouse file; (c) validating the automated clearinghouse file; and (d) sending the automated clearinghouse file from the server to an automated clearinghouse. Fraud is reduced, and rules are simplified and standardized.

L'invention concerne un procédé de traitement électronique de paiements effectués auprès d'une pluralité de commerçants dans une pluralité de modes de paiement. Le procédé consiste: (a) à recevoir des informations relatives aux paiements au niveau d'un serveur, (b) à traiter les informations dans un fichier de chambre de compensation automatisée, (c) à valider le fichier de chambre de compensation automatisée; et (d) à envoyer le fichier de chambre de compensation automatisée du serveur à une chambre de compensation automatisée. La fraude est réduite et les règles sont simplifiées et normalisées.

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