Method and apparatus for tracking multiple payment resources and charging transactions to payment resources in on line transaction processing system
US6047267A · kind A · utility
Assignee
Inventors
Key dates
| Filing date | May 14, 1997 |
| Grant date | Apr 4, 2000 |
| Priority date | — |
| Expiry date | May 14, 2017 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/02
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Disclosed is a container object that allows a user to define new payment resources without requiring the user to redesign a relational database system used for persistent storage of transaction information. An object server maps data that is represented in transient memory according to an object-oriented scheme to data that is represented in persistent memory according to a relational database scheme. The object server generates appropriate tables and columns for a relational database scheme automatically so that the object-oriented scheme generated by a user may be efficiently stored and searched in persistent memory. Preferably, array elements are represented as rows in a table, not as columns so that storage space is not wasted with place holder data. In certain embodiments, a rating engine is provided that searches available rates and creates a rate stack for the purpose of authorizing transactions and adjusting payment source balances when authorization events or payment events occur.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.