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Information-consolidation-within-a-transaction-network

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Information consolidation within a transaction network

Details

Inventors: Davis, Terry L.; Hart, James A.; Russell, James F.; Sears, John W.; Trice, Philip H.;
Assignee: Electronic Payment Services, Inc. (Wilmington, DE)
Primary Examiner: Hayes; Gail O.
Assistant Examiner: Poinvil; Frantzy
Attorney, Agent or Firm: Panitch Schwarze Jacobs & Nadel, P.C.

A system for determining value in a stored value transaction system has a plurality of value transferring devices including a local device, a collection device, a consolidation device and a settlement device. A stored value transaction network includes a settlement device and a consolidation device coupled to the settlement device. A value transferring device applies stored value information to the consolidation device. The consolidation device transmits a consolidated portion of the received stored value information to the settlement device for performing network settlement in accordance with the consolidated portion by the network settlement device. A plurality of collection devices within the network can transmit stored value information to the consolidation device and a consolidated portion of the stored value information of the plurality of consolidation devices can be used for network settlement. A further portion of the stored value information is transferred to a storage device.

DETAILED DESCRIPTION A system for determining value in a stored value transaction system has a plurality of value transferring devices including a local device, a collection device, a consolidation device and a settlement device.
A stored value transaction network includes a collection device and a consolidation device coupled to the settlement device.
A value transferring device applies stored value information to the consolidation device.
The consolidation device transmits a consolidated portion of the received stored value information to the settlement device for performing network settlement in accordance with the consolidated portion by the network settlement device.

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