Method and system for monitoring electronic transactions

G - Physics – 06 – Q

Patent

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G06Q 30/00 (2006.01)

Patent

CA 2504476

A method and system for monitoring electronic transactions (420), such as credit card transactions, to determine whether associated transaction cost, such as interchange fees, are being properly qualified (425). This is accomplished by monitoring for a ~spike~ in interchange qualifications (430) and generating an alert when one or more spikes are detected (435). Spikes in interchange qualifications are defined as a variation in interchange qualifications compared with an historical level (435). The method and system may also monitor changes in cost or efficiency for others types of transactions in which the cost or efficiency of the transaction is based directly upon one or more variables (435).

L'invention concerne un procédé et un système correctement qualifiés de suivi de transactions électroniques, telles que des transactions de carte de crédit, afin de déterminer des coûts associés de transaction, tels que des frais d'interchange. On obtient ce résultat par suivi d'une pointe dans des droits d'interchange et par production d'une alerte lors de la détection d'une ou de plusieurs pointes. Les pointes dans les droits d'interchange sont définies en tant que variation de droits d'interchange en comparaison d'un niveau historique. Le procédé et le système permettent aussi de suivre des changements de coût ou d'efficacité concernant d'autres types de transaction dans lesquelles le coût ou l'efficacité reposent directement sur une ou sur plusieurs variables.

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