Electronic draft capture

US7853525B2 · kind B2 · utility

Assignee

• Microsoft Corporation · US

Inventors

• Anthony J. Yeates · Pewsey, GB
• Pavel A. Dournov · Sammamish, US
• Balaji Balasubramanian · San Jose, US
• Vaidyanathan Arunachalam · Redmond, US
• Donna L. Whitlock · Seattle, US
• Timothy Belvin · Auburn, US

Key dates

• Filing date: Jul 15, 2003
• Grant date: Dec 14, 2010
• Expiry date: Feb 5, 2028

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A gateway server, point of sale device and protocol are provided for processing financial transactions. A public network interface is configured to couple to a public network and communicate financial authorization requests. The financial authorization requests can include, for example, transaction specific data, a merchant store or location invariant and a supplemental header. A gateway processor processes the financial transaction authorization requests and couples to a financial network interface configured to couple to at least one financial network. The gateway provides a response to the point of sale device based upon data received from the financial network and the authorization request.