Thomas Charles Layman

US Patent:

8533115, Sep 10, 2013

Filed:

Jul 9, 2010

Appl. No.:

12/833110

Inventors:

Dominique P. Fracchia - San Francisco CA, US
Stanton R. Koppel - Piedmont CA, US
Thomas A. Layman - Hillsborough CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 41, 705 39, 705 40

Abstract:

A central coordinating body (CCB) is part of a global commercial card processing system. The CCB provides standards, relationships, management protocols, problem resolution, processing, data sourcing and reporting capabilities. The local card issuer services a client locally on behalf of the lead card issuer. The lead issuer and CCB enter into an agreement that defines services that will be performed for the client by local issuers and services to be performed by CCB. The local issuers and CCB enter into an agreement defining the services to be provided for the client. A list of services to be provided is published that describes the services provided by a local issuer. The agreements specify a bid process for when an RFP is received from a client. Revenue from transactions received by a local issuer is sent to the lead issuer. The local issuer and CCB charge fees for the services provided to the lead issuer.

US Patent:

7783568, Aug 24, 2010

Filed:

May 1, 2002

Appl. No.:

10/138182

Inventors:

Dominique P. Fracchia - San Francisco CA, US
Stanton R. Koppel - Piedmont CA, US
Thomas A. Layman - Hillsborough CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 99/00

US Classification:

705 41, 235376, 705 35

Abstract:

A central coordinating body (CCB) is part of a global commercial card processing system. The CCB provides standards, relationships, management protocols, problem resolution, processing, data sourcing and reporting capabilities. The local card issuer services a client locally on behalf of the lead card issuer. The lead issuer and CCB enter into an agreement that defines services that will be performed for the client by local issuers and services to be performed by CCB. The local issuers and CCB enter into an agreement defining the services to be provided for the client. A list of services to be provided is published that describes the services provided by a local issuer. The agreements specify a bid process for when an RFP is received from a client. Revenue from transactions received by a local issuer is sent to the lead issuer. The local issuer and CCB charge fees for the services provided to the lead issuer.