Automated systems and methods for authorization an

专利名称：Automated systems and methods for

authorization and settlement of fleetmaintenance and repair transactions

发明人：Mary T. Sticha,Susan M. Riesgraf申请号：US09343838申请日：19990630公开号：US06554183B1公开日：20030429

专利附图：

摘要：Systems and methods for the authorization and settlement of fleetmaintenance and repairs are described. In one embodiment, the system includes an

interactive voice recognition system, an acquiring bank system, an issuing bank pre-authorization system, and a fleet services provider pre-authorization system. Theinteractive voice recognition (IVR) system generally is utilized for handling authorizationsand repair data capture for network providers. The acquiring bank system is coupled tothe IVR system and, in general, assigns codes to the various requests that may begenerated. The issuing bank pre-authorization system is coupled to the interactive voicerecognition system and is a database for storing information relating to pre-authorizedrepair and maintenance services. The issuing bank pre-authorization system also iscoupled to a vendor relations system and a merchant class code system. The vendorrelations system generally includes both a data and a voice link to the IVR system so thatin the event that a particular merchant is not an authorized service provider, a direct linkcan be established between the merchant and the vendor relations system so that themerchant can be set-up as an authorized provider. The acquiring bank system and pre-authorization system are electronically linked, e.g., via modem, to a credit card system,such as the Master Card system. The credit card system is electronically linked to anissuing bank system, e.g., via modem, so that if the credit card system determines that acharge is valid and authorized, the acquiring bank system actually issues the authorizationto a service provider.

申请人：GE CAPITAL FLEET SERVICES

代理机构：Armstrong Teasdale LLP

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