The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jan. 03, 2012
Filed:
Nov. 09, 2006
Michael J. Murphy, Salem, NH (US);
Michael J. Murphy, Salem, NH (US);
The Escher Group, Ltd., Cambridge, MA (US);
Abstract
A multiple agency transaction accounting system includes a plurality of point of service stations that conduct, for multiple agencies, respective agency transactions that are associated with various reporting requirements, fees and commissions. A universal transaction encoding subsystem encodes the agency transaction data received from the plurality of stations into universal transaction data and supplies the encoded data to a universal transaction settlement subsystem that parses and aggregates the universal transaction data into encoded agency-specific transaction data and provides the encoded agency-specific transaction data to the respective agencies to complete the transaction accounting. The accounting system may also include a money management subsystem that processes fees and commissions associated with the agency transactions in bulk for the respective agencies. The money management subsystem may process the agency transactions as either credit card transactions or bank account transactions.