Method of reporting merchant information to banks

Claim 1

A method of reporting merchant information to banks via the World Wide Web, the method comprising: compiling merchant information periodically into reports at a host operable with the World Wide Web, wherein the reports correspond to categories regarding the finances of merchants, the categories including an account management category, an agent bank profitability category, an audit log category, a chargeback/retrieval category, a new accounts category, and a security/fraud exceptions category, the account management category including a daily cash position report, the agent bank profitability category including an excessive chargeback ratio report, the audit log category including a bank entitlement audit log report, the chargeback/retrieval category including a chargeback activity summary report, and the security/fraud exceptions category including a credit exceeding sales exception report; routing the reports from the host to a server operable with the World Wide Web; browsing the World Wide Web with a browser interface at a bank client station operable with the server via the World Wide Web to access the reports of merchants associated with a bank; determining the reports of the merchants associated with the bank at the server; determining an access level of the bank at the server; displaying a list of categories for the merchants associated with the bank on the bank client station, wherein the list of categories for the merchants associated with the bank are displayed as a function of the access level of the bank; selecting a desired category from the list of categories displayed at the bank client station; displaying a list of reports corresponding to the desired category on the bank client station; selecting a desired report from the list of reports at the bank client station; and displaying the desired report on the bank client station.

Claim 2

A method of reporting merchant information to banks via the World Wide Web, the method comprising: compiling merchant information periodically into reports at a host operable with the World Wide Web, wherein the reports correspond to categories regarding the finances of merchants, the categories including an account management category, an agent bank profitability category, an audit log category, a chargeback/retrieval category, a new accounts category, and a security/fraud exceptions category, the account management category including a daily cash position report, the agent bank profitability category including an excessive chargeback ratio report, the audit log category including a bank entitlement audit log report, the chargeback/retrieval category including a chargeback activity summary report, and the security/fraud exceptions category including a credit exceeding sales exception report; routing the reports from the host to a server operable with the World Wide Web; browsing the World Wide Web with a browser interface at a bank client station operable with the server via the World Wide Web to access the reports of merchants associated with a bank; determining the reports of the merchants associated with the bank at the server; determining an access level of the bank at the server; displaying a list of categories for the merchants associated with the bank on the bank client station, wherein the list of categories for the merchants associated with the bank are displayed as a function of the access level of the bank; selecting a desired category from the list of categories displayed at the bank client station; displaying a list of reports corresponding to the desired category on the bank client station; selecting a desired report from the list of reports at the bank client station; and displaying the desired report on the bank client station.