公开(公告)号：US20110029367A1

公开(公告)日：2011-02-03

申请号：US12845645

申请日：2010-07-28

申请人： Ray Olson ,  Janet Martin ,  Shaun Bodington ,  Nicola Stiff ,  Mark Norris ,  Rosann Woods ,  John Carr

发明人： Ray Olson ,  Janet Martin ,  Shaun Bodington ,  Nicola Stiff ,  Mark Norris ,  Rosann Woods ,  John Carr

IPC分类号： G06Q30/00 ,  G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q30/0224 ,  G06Q40/00

摘要： Systems and methods are provided to facilitate the generation and notification of transactions associated with account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to store transaction data recording the transactions, account data identifying at least one account feature of an account, and rules data identifying at least one qualification requirement. The system further includes a feature offer engine to use the rules data to monitor the transactions in the account to identify a first transaction, a notification engine to provide the account holder with an offer associated with a first account feature in real time with processing of the first transaction, and a portal to receive an approval of a second transaction in accordance with the offer.

摘要翻译： 提供系统和方法以便于生成和通知与帐户特征相关联的交易。 一方面，系统包括用于处理事务的事务处理程序和用于存储记录事务的事务数据的数据仓库，识别帐户的至少一个帐户特征的帐户数据以及标识至少一个资格要求的规则数据。 该系统还包括功能提供引擎，以使用规则数据来监视帐户中的交易以识别第一交易;通知引擎，用于向客户持有人实时提供与第一帐户特征相关联的报价， 第一笔交易，以及根据要约收到第二笔交易批准的门户。

公开(公告)号：US20080296369A1

公开(公告)日：2008-12-04

申请号：US12025267

申请日：2008-02-04

申请人： Shaun Bodington ,  Barbara Elizabeth Patterson ,  Gregory Charles Trifiletti

发明人： Shaun Bodington ,  Barbara Elizabeth Patterson ,  Gregory Charles Trifiletti

IPC分类号： G06K5/00

CPC分类号： G06Q20/04 ,  G06Q40/02

摘要： A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder.

摘要翻译： 用于管理分配给诸如信用卡之类的财务呈现装置的增强功能的系统。 该系统包括帐户数据库和功能管理模块。 帐户数据库存储包含相关信用卡的分配的增强功能的帐户持有者数据。 功能管理模块能够独立于其他卡更新和管理个人信用卡的分配功能，以便提供可为每个单个持卡人定制的增强功能。