Thomas A Howe

US Patent:

20130282563, Oct 24, 2013

Filed:

Aug 31, 2012

Appl. No.:

13/601451

Inventors:

Bradley T. Masterson - Elkhorn NE, US
George F. Gogol - North Olmsted OH, US
Donna Collela - Pompton Lakes NJ, US
David M. Hulbert - Lake Worth FL, US
Thomas Howe - Phoenix MD, US
Robert J. Cole - Maysville GA, US

Assignee:

FIRST DATA CORPORATION - Greenwood Village CO

International Classification:

G06Q 20/10

US Classification:

705 39

Abstract:

Systems and methods for routing debit transactions. In one embodiment, a method for routing debit transactions can be provided. The method can include obtaining, by a routing determination system comprising one or more computers, information associated with a proposed debit transaction. The method can also include identifying, by the routing determination system based at least in part upon the obtained information, one or more merchant parameters associated with a merchant on whose behalf the proposed debit transaction will be submitted to a transaction processor. Further, the method can include determining, by the routing determination system based at least in part upon the one or more merchant parameters, a debit transaction network for routing the proposed debit transaction to the transaction processor, wherein the debit transaction network is included in a plurality of available debit transaction networks.

US Patent:

50035843, Mar 26, 1991

Filed:

Apr 16, 1990

Appl. No.:

7/509662

Inventors:

Irving Benyacar - Englishtown NJ
Elizabeth V. Courte - Fair Haven NJ
Albert Friedes - East Brunswick NJ
Thomas P. Howe - Whitehouse Station NJ
David D. Kaufman - Atlanta GA
James R. Magura - Basking Ridge NJ
Rachelle E. Rees - Holmdel NJ
Pamela A. Steinert - Farmingdale NJ
Mohan Venkataramana - Tinton Falls NJ
Yong Zhou - Washington Township, Morris County NJ

Assignee:

AT&T Bell Laboratories - Murray Hill NJ

International Classification:

H04M 1504
H04M 1508

US Classification:

379119

Abstract:

A call billing method and apparatus specifies, on a call-by-call basis, the calling charges incurred by a caller during a call to a sponsor-provided value-added service. The method provides the sponsor real time access to rate tables to specify call billing parameters needed to rate calls made to a sponsor number. A billing number is determined and validated and used to identify the party to receive a billing record for the call. A separate billing record is created for each call to the sponsor's number which includes sponsor-specified charges determined using the call billing parameters. Another feature enables the caller or called party to provide call billing parameters for billing and identificaiton purposes.