公开(公告)号：US08924294B2

公开(公告)日：2014-12-30

申请号：US14217894

申请日：2014-03-18

申请人： Citicorp Credit Services, Inc.

发明人： Sean T. Lynch ,  Dickson Chu

IPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/02 ,  G06Q20/22 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q99/00 ,  H04L9/00 ,  G06Q20/00

CPC分类号： G06Q20/10 ,  G06Q20/00 ,  G06Q20/023 ,  G06Q20/108 ,  G06Q20/22 ,  G06Q20/227 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q99/00 ,  H04L9/00

摘要： Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks.

摘要翻译： 用于以电子方式路由支付交易的方法和系统涉及通过计算机逻辑询问由支付接口处理器接收的每个支付交易以识别支付目的地和支付来源，并且根据预定义的参数来确定支付交易是否符合资格处理 通过最小化处理成本的金融机构的内部支付交易处理器。 合格的支付交易可以路由到例如内部借记卡或信用卡处理器或ACH处理器，并且不合格支付交易可以被路由到外部卡处理网络。

公开(公告)号：US08744964B2

公开(公告)日：2014-06-03

申请号：US14025286

申请日：2013-09-12

申请人： Citicorp Credit Services, Inc.

发明人： Glennon Franklin ,  Edmond Eger

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06Q20/10

摘要： A method and system for managing transaction card accounts involves providing a customer a transaction card account by a financial institution against which the customer can charge predetermined types of transactions during predefined account statement periods and sending a statement of charges against the account to the customer at an end of each account statement period specifying a due date, after which a predefined late fee is assessed on the account if the statement is not paid. However, the late fee is automatically waived on the account within specified products if the customer makes a purchase or secures a cash advance during the account statement period for which the payment is due. Further, a voice response unit of the financial institution gives the customer a first menu option to opt out of a voice response unit scripted call and speak directly to a live representative about the account at any time during the call.

摘要翻译： 用于管理交易卡帐户的方法和系统涉及向金融机构提供客户交易卡账户，客户可以根据该金融机构在预定帐户报表期间对预定类型的交易收取费用，并向客户向客户发送费用表 在每个帐目报表期间结束指定到期日，之后如果该报表未支付，则在帐户上评估预定的延迟费用。 但是，如果客户在付款到期的帐目报表期内进行购买或保证提前支付，则指定产品中的帐户将自动放弃滞纳金。 此外，金融机构的语音响应单元向客户提供选择退出语音响应单元脚本化呼叫的第一菜单选项，并且在通话期间的任何时间直接与现场代表谈论该帐户。

公开(公告)号：US20140095251A1

公开(公告)日：2014-04-03

申请号：US13644124

申请日：2012-10-03

申请人： Citicorp Credit Services, Inc.

发明人： Sami Huovilainen

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0201

摘要： Methods and systems for optimizing marketing strategy to financial institution customers or prospective customers employ a processor coupled to memory and other computer hardware and software components for receiving customer profile data with a plurality of transaction card issuers other than the financial institution, developing models based at least in part on the customer profile data and at least in part on financial institution customer account and credit data, and generating estimated spend and balance behaviors for at least one financial institution customer with the plurality of transaction card issuers other than the financial institution based at least in part on said models. Based at least in part on the estimated spend and balance behaviors, financial institution marketing initiatives are created.

摘要翻译： 对金融机构客户或潜在客户优化营销策略的方法和系统使用与存储器和其他计算机硬件和软件组件耦合的处理器，用于接收除金融机构之外的多个交易卡发行者的客户简档数据，至少开发模型 部分地基于客户简档数据，并且至少部分地基于金融机构客户账户和信用数据，并且至少一个金融机构客户至少与金融机构以外的多个交易卡发行商产生估计的支出和平衡行为，至少 部分在于所述型号。 至少部分地基于估计的支出和平衡行为，创建了金融机构的营销举措。

公开(公告)号：US08560452B2

公开(公告)日：2013-10-15

申请号：US13866176

申请日：2013-04-19

申请人： Citicorp Credit Services, Inc.

发明人： Sean T. Lynch ,  Dickson Chu

IPC分类号： G06Q40/00

CPC分类号： G06Q20/10 ,  G06Q20/00 ,  G06Q20/023 ,  G06Q20/108 ,  G06Q20/22 ,  G06Q20/227 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q99/00 ,  H04L9/00

摘要： Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks.

公开(公告)号：US20130238493A1

公开(公告)日：2013-09-12

申请号：US13866176

申请日：2013-04-19

申请人： CITICORP CREDIT SERVICES, INC.

发明人： Sean T. Lynch ,  Dickson Chu

IPC分类号： G06Q20/22

CPC分类号： G06Q20/10 ,  G06Q20/00 ,  G06Q20/023 ,  G06Q20/108 ,  G06Q20/22 ,  G06Q20/227 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q99/00 ,  H04L9/00

摘要： Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks.

摘要翻译： 用于以电子方式路由支付交易的方法和系统涉及通过计算机逻辑询问由支付接口处理器接收的每个支付交易以识别支付目的地和支付来源，并且根据预定义的参数来确定支付交易是否符合资格处理 通过最小化处理成本的金融机构的内部支付交易处理器。 合格的支付交易可以路由到例如内部借记卡或信用卡处理器或ACH处理器，并且不合格支付交易可以被路由到外部卡处理网络。

公开(公告)号：US08447693B2

公开(公告)日：2013-05-21

申请号：US13086212

申请日：2011-04-13

申请人： Sean T. Lynch ,  Dickson Chu

发明人： Sean T. Lynch ,  Dickson Chu

IPC分类号： G06Q40/00

CPC分类号： G06Q20/10 ,  G06Q20/00 ,  G06Q20/023 ,  G06Q20/108 ,  G06Q20/22 ,  G06Q20/227 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q99/00 ,  H04L9/00

摘要： Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks.

摘要翻译： 用于以电子方式路由支付交易的方法和系统涉及通过计算机逻辑询问由支付接口处理器接收的每个支付交易以识别支付目的地和支付来源，并且根据预定义的参数来确定支付交易是否符合资格处理 通过最小化处理成本的金融机构的内部支付交易处理器。 合格的支付交易可以路由到例如内部借记卡或信用卡处理器或ACH处理器，并且不合格支付交易可以被路由到外部卡处理网络。

公开(公告)号：US08117122B1

公开(公告)日：2012-02-14

申请号：US11758745

申请日：2007-06-06

申请人： William Johnson ,  Craig Vallorano

发明人： William Johnson ,  Craig Vallorano

IPC分类号： G06Q40/00

CPC分类号： G06Q20/227 ,  G06Q20/10 ,  G06Q20/3572 ,  G06Q20/405

摘要： Methods and systems for managing transaction card accounts in which cardholders are permitted to incur transaction charge balances on existing transaction card accounts and substituting the existing transaction card for each of at least a portion of the plurality of cardholders with a different transaction card product upon an occurrence of one of termination of a private label or co-branded agreement and a predetermined level of inactivity on the transaction card account which has significant additional features and benefits absent from the existing transaction card product.

摘要翻译： 用于管理交易卡账户的方法和系统，其中持卡人可以在现有交易卡账户上承担交易费用余额，并且在发生时用替换现有交易卡中的至少一部分多个持卡人的不同交易卡产品 私人标签或联合品牌协议的终止之一，以及交易卡帐户上预定的不活动水平，其具有现有交易卡产品不存在的显着附加特征和益处。

公开(公告)号：US07573998B2

公开(公告)日：2009-08-11

申请号：US11152080

申请日：2005-06-15

申请人： Kevin Kessinger ,  Richard Garside ,  Louis Savoldy ,  Mahendra Govada ,  Joe Begley ,  Ryan Kaminski

发明人： Kevin Kessinger ,  Richard Garside ,  Louis Savoldy ,  Mahendra Govada ,  Joe Begley ,  Ryan Kaminski

IPC分类号： H04M3/00

CPC分类号： H04M3/5175 ,  H04M3/5237 ,  H04M2201/12 ,  H04M2201/38

摘要： Computer-implemented methods and systems for management of real-time and historical data for multiple call centers in which real-time and historical data are received electronically from a plurality of call center sites and displayed simultaneously for each of the plurality of call center sites on a single display screen in a separate call center site column for each call center and integrated and displayed for all of the plurality of call center sites in a separate division column on the single display screen.

摘要翻译： 用于管理多个呼叫中心的实时和历史数据的计算机实现的方法和系统，其中从多个呼叫中心站点电子地接收实时和历史数据，并且同时为多个呼叫中心站点中的每一个呼叫中心站点同时显示 在每个呼叫中​​心的单独呼叫中心站点列中的单个显示屏幕，并且在单个显示屏幕上的单独分区列中集成并显示所有多个呼叫中心站点。

公开(公告)号：US07328169B2

公开(公告)日：2008-02-05

申请号：US10947589

申请日：2004-09-22

申请人： Mark E. Temares ,  Alan B. Newman ,  Noor A. Menai

发明人： Mark E. Temares ,  Alan B. Newman ,  Noor A. Menai

IPC分类号： G06F17/30 ,  G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/0204 ,  G06Q30/0224 ,  G06Q30/0234 ,  G06Q30/0241 ,  G06Q30/0255 ,  G06Q30/0269 ,  G06Q30/0631 ,  Y10S707/99933

摘要： A method and system for purchased-based segmentation of potential customers employs the use of actual, observed purchases instead of presumptions and correlations to improve the accuracy of segmentation and involves collecting empirical data for a client on actual purchasing behavior of a group of customers and applying statistical modeling techniques to the empirical purchasing behavior data to identify segments or clusters of the customers that exhibit similar purchasing propensity characteristics. Thereafter, the segments or clusters are further differentiated from one another according to other factors having a tendency to directly affect actual purchasing behavior of the customers within the segments or clusters, and potential customers are then identified according to a correlation with the segments or clusters for customized marketing.

摘要翻译： 针对潜在客户的采购分割方法和系统采用实际观察采购而不是假设和相关性来提高分割的准确性，并涉及收集客户对一组客户的实际购买行为的经验数据，并应用 统计建模技术用于经验购买行为数据，以识别展示类似购买倾向特征的客户的细分或集群。 此后，根据其他因素直接影响区段或群集内客户的实际购买行为的其他因素，区段或群集进一步彼此区分，然后根据与段或群集的相关性识别潜在客户，以便 定制营销。

公开(公告)号：US07248687B2

公开(公告)日：2007-07-24

申请号：US11005641

申请日：2004-12-06

申请人： Mark Ambrose ,  Rich Clow ,  Rich Feight ,  Jim L. Muir

发明人： Mark Ambrose ,  Rich Clow ,  Rich Feight ,  Jim L. Muir

IPC分类号： H04M3/00

CPC分类号： H04M3/5158 ,  H04M3/42161 ,  H04M3/5183 ,  H04M3/5237

摘要： A method and system for outbound dialing of contacts and collecting call information in which one or more customers are allowed to submit records from the customers' mainframes for a plurality of contacts to be called for the customers via a dialing mode of a hosted software system for sending event-driven alert messages. Based on the records submitted by the customers, the dialing mode of the hosted software system initiates calls to the contacts, and when and if a right-party contact is reached for a particular customer, the call is delivered from the dialing mode to an agent at one of a plurality of call centers of the particular customer according to predefined agent selection rules for outbound call routing. In addition, data regarding the call to the contact is collected.

摘要翻译： 一种用于呼出拨号的联系人和收集呼叫信息的方法和系统，其中允许一个或多个客户从用户的大型机提交用于通过托管软件系统的拨号模式为客户呼叫的多个联系人的记录 发送事件驱动的警报消息。 根据客户提交的记录，托管软件系统的拨号模式启动对联系人的呼叫，当特定客户达到正确的联系人的时间和时间，呼叫将从拨号模式发送到代理 根据用于出站呼叫路由的预定义的代理选择规则，在特定客户的多个呼叫中心之一。 此外，收集有关对联系人的呼叫的数据。