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:
Mar. 26, 2013
Filed:
Mar. 27, 2012
Michelle Banaugh, Novato, CA (US);
Timothy R. Knowlton, Mill Valley, CA (US);
George L. Wood, Alamo, CA (US);
Michelle Banaugh, Novato, CA (US);
Timothy R. Knowlton, Mill Valley, CA (US);
George L. Wood, Alamo, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A system and process for creating, maintaining, and using transaction identifiers, i.e. a transaction DNA, is provided. The DNA, along with other transactional information, is sent through a set of intermediary entities as found in a standard transaction processing system. The DNA is based on information that may include source ID, merchant ID, and order ID. The order ID is a unique number that can be generated by the merchant. The DNA is maintained throughout the lifecycle of the transaction, including authorization requests, settlement requests, and exception item processing. The DNA allows the bank to provide precise transactional matching to the original transaction for the merchant, making reconciliation always possible, fast, and automatic, and ensuring information is presented in a manner that the merchant chooses.