Transaction processing method
First Claim
1. A computer-implemented transaction processing method, comprising the steps of:
- logging events relating to a consumer from at least one point of transaction to form event logs, the event logging being performed at a central transaction processing center;
storing a journal of the events on a server; and
making the event logs available for search, retrieval, display, and documentation by the consumer;
wherein the events that may be logged include;
receipts generated by a plurality of merchants doing business with the consumer;
cash transactions generated at a plurality of cash transaction venues visited by the consumer;
credit transactions generated by a plurality of creditors of the consumer; and
non-financial events associated with the consumer, the events being reported from the at least one point of transaction.
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Accused Products
Abstract
The transaction processing method is a computer-implemented method capable of logging events related to a consumer at a point of transaction. The event logging is performed at a transaction processing center. The transaction processing center can log such events as: receipts generated by a plurality of merchants doing business with the consumer; cash transactions generated at a plurality of cash transaction venues visited by the consumer; credit transactions generated by a plurality of creditors of the consumer; and non-financial events associated with the consumer. The events are reported to the transaction processing center by a plurality of associate members who contract with the center to provide the data. For each consumer, the event data can be stored in journal format on a server and made available for search, retrieval, display, and documentation by consumers who sign up to receive their journal information.
44 Citations
20 Claims
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1. A computer-implemented transaction processing method, comprising the steps of:
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logging events relating to a consumer from at least one point of transaction to form event logs, the event logging being performed at a central transaction processing center; storing a journal of the events on a server; and making the event logs available for search, retrieval, display, and documentation by the consumer; wherein the events that may be logged include;
receipts generated by a plurality of merchants doing business with the consumer;
cash transactions generated at a plurality of cash transaction venues visited by the consumer;
credit transactions generated by a plurality of creditors of the consumer; and
non-financial events associated with the consumer, the events being reported from the at least one point of transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A transaction processing method, comprising the steps of:
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publishing a web site accessible to merchants and consumers; maintaining at least one back-end database and database server in communication with the web site; establishing unique accounts through the web site for individual subscribers, including establishing maintaining a table of identifying information relating to each of the individual subscribers'"'"' unique account; logging financial transaction events for each of the individual subscribers onto the at least one database in records associated with the individual subscribers'"'"' unique account in response to financial transaction data submitted to the web site by merchants from a point of transaction at a time when the financial transaction takes place; forming a journal of financial transaction events for each of the individual subscribers from the events recorded in the at least one database; logging personal transaction events for each of the individual subscribers onto the at least one database in records associated with the individual subscribers'"'"' unique account; forming a journal of personal transaction events for each of the individual subscribers from the events recorded in the at least one database; and searching, retrieving, displaying in a web page, and downloading data from the financial and personal journals through the web site upon request of the individual subscriber for data associated with the individual subscriber'"'"'s account. - View Dependent Claims (18, 19, 20)
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Specification