David J Delawter

US Patent:

20070210150, Sep 13, 2007

Filed:

Apr 17, 2007

Appl. No.:

11/736529

Inventors:

Brad Winking - Omaha NE, US
David DeLawter - Omaha NE, US
John Patton - Omaha NE, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G07F 19/00

US Classification:

235379000

Abstract:

A system for processing credit card payments is provided. According to one aspect of the system, a client is able to submit payment transactions in different formats for processing. Depending on the submission format, the payment transaction can be processed by either a batch process or a right-time process. The right-time process processes the payment transaction in real-time upon submission thereby allowing the corresponding credit account to be updated in a more timely manner. In particular, the right-time process adjusts the available credit relative to the corresponding credit account in a real-time manner so that the available credit closely tracks or reflects payments made to the credit account.

US Patent:

20030167231, Sep 4, 2003

Filed:

Mar 4, 2002

Appl. No.:

10/091606

Inventors:

Brad Winking - Omaha NE, US
David DeLawter - Omaha NE, US
John Patton - Omaha NE, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06F017/60

US Classification:

705/040000

Abstract:

A system for processing credit card payments is provided. According to one aspect of the system, a client is able to submit payment transactions in different formats for processing. Depending on the submission format, the payment transaction can be processed by either a batch process or a right-time process. The right-time process processes the payment transaction in real-time upon submission thereby allowing the corresponding credit account to be updated in a more timely manner. In particular, the right-time process adjusts the available credit relative to the corresponding credit account in a real-time manner so that the available credit closely tracks or reflects payments made to the credit account.

US Patent:

20170278079, Sep 28, 2017

Filed:

Mar 27, 2017

Appl. No.:

15/470218

Inventors:

- Greenwood Village CO, US
David J. DeLawter - Omaha NE, US
John M. Patton - Omaha NE, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 20/04
G06Q 20/10
G06Q 20/24

Abstract:

A system for processing credit card payments is provided. According to one aspect of the system, a client is able to submit payment transactions in different formats for processing. Depending on the submission format, the payment transaction can be processed by either a batch process or a right-time process. The right-time process processes the payment transaction in real-time upon submission thereby allowing the corresponding credit account to be updated in a more timely manner. In particular, the right-time process adjusts the available credit relative to the corresponding credit account in a real-time manner so that the available credit closely tracks or reflects payments made to the credit account.