Electronic transaction data processing systems and methods
AssigneeMastercard International Incorporated
InventorsSachin Kumar Agarwalla, Shweta Gupta
Life of this patent
Estimating the term…
Abstract
A data processing system for reconciling electronic transaction data is disclosed. The data processing system comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: receive refund transaction data indicating a refund transaction, the refund transaction data comprising an indication of an original transaction and an indication of a refund amount; look up original transaction data for the original transaction in a payment transaction database; generate reconciled transaction data from the refund transaction data and the original transaction data; and provide the reconciled transaction data to a user device.
Claims18
A data processing system for reconciling transaction data, the data processing system comprising:
- a wallet application server operably coupled to a payment transaction database,
- the wallet application server comprising:
- a computer processor and a data storage device, the data storage device storing instructions operative by the processor to:
- receive, via an application programming interface (api) of a merchant server, transaction data indicating a payment transaction;
- store the transaction data in the payment transaction database;
- receive, via the api of the merchant server, refund transaction data indicating a refund transaction, the refund transaction data comprising an indication of an original transaction and an indication of a refund amount;
- look up original transaction data for the original transaction in the payment transaction database;
- generate reconciled transaction data from the refund transaction data and the original transaction data, wherein the reconciled transaction data comprises an interactive table showing the original transaction and the refund transaction, wherein the interactive table comprises an offset between the refund transaction data and the original transaction data;
- and
- provide the reconciled transaction data to a user device, wherein the user device has an option to view a link between the original transaction and the refund transaction in the interactive table, and wherein the user device, via a wallet application running on the user device, displays the reconciled transaction data and receives a selection of the option to view the link between the original transaction and the refund transaction in the interactive table.
A data processing method for reconciling transaction data, wherein a wallet application server is operably coupled to a payment transaction database, the method comprising:
- receiving, by the wallet application server and via an application programming interface (api) of a merchant server, transaction data indicating a payment transaction;
- storing, by the wallet application server, the transaction data in the payment transaction database;
- receiving, by the wallet application server and via the api of the merchant server, refund transaction data indicating a refund transaction, the refund transaction data comprising an indication of the payment transaction and an indication of a refund amount;
- looking up, by the wallet application server, transaction data for the payment transaction in the payment transaction database;
- generating, by the wallet application server, reconciled transaction data from the refund transaction data and the payment transaction data, wherein the reconciled transaction data comprises an interactive table showing the original transaction and the refund transaction, wherein the interactive table comprises an offset between the refund transaction data and the original transaction data;
- and
- providing, by the wallet application server, the reconciled transaction data to a user device, wherein the user device has an option to view a link between the original transaction and the refund transaction in the interactive table;
- and wherein the user device, via a wallet application running on the user device, displays the reconciled transaction data and receives a selection of the option to view the link between the original transaction and the refund transaction in the interactive table.
A non-transitory computer readable medium carrying computer executable instructions which, when executed by at least one processor of a wallet application server, cause the at least one processor of the wallet application server to perform operations comprising:
- receiving, via an application programming interface (api) of a merchant server, transaction data indicating a payment transaction, wherein the wallet application server is operably coupled to a payment transaction database;
- storing the transaction data in the payment transaction database;
- receiving, via the api of the merchant server, refund transaction data indicating a refund transaction, the refund transaction data comprising an indication of the payment transaction and an indication of a refund amount;
- looking up transaction data for the payment transaction in the payment transaction database;
- generating reconciled transaction data from the refund transaction data and the payment transaction data, wherein the reconciled transaction data comprises an interactive table showing the original transaction and the refund transaction, wherein the interactive table comprises an offset between the refund transaction data and the original transaction data;
- and
- providing the reconciled transaction data to a user device, wherein the user device has an option to view a link between the original transaction and the refund transaction in the interactive table, and wherein the user device, via a wallet application running on the user device, displays the reconciled transaction data and receives a selection of the option to view the link between the original transaction and the refund transaction in the interactive table.
Dependencies are inferred from the claim text.