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    Systems and Methods to Predict Potential Attrition of Consumer Payment Account
    62.
    发明申请
    Systems and Methods to Predict Potential Attrition of Consumer Payment Account 审中-公开
    预测消费者支付账户潜在消费的系统和方法

    公开(公告)号：US20110313900A1

    公开(公告)日：2011-12-22

    申请号：US13164598

    申请日：2011-06-20

    申请人： Nathan Kona Falkenborg ,  Guangyu Wang

    发明人： Nathan Kona Falkenborg ,  Guangyu Wang

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/0201 ,  G06Q20/227 ,  G06Q30/0202 ,  G06Q30/0241 ,  G06Q40/025 ,  G06Q40/12

    摘要： Systems and methods are provided to generate a tool to predict voluntary account attrition in a payment processing system. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include attrition accounts and non-attrition accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a predictive model to distinguish, using the values and logistic regression, the attrition accounts from the non-attrition accounts.

    摘要翻译： 提供系统和方法以产生用于预测支付处理系统中的自愿账户消耗的工具。 一方面，一种计算装置包括：数据仓库，被配置为存储由多个发行者发行的账户的交易数据; 以及至少一个处理器，被配置为使用由所述多个发行者发行的所述帐户的交易数据来计算每个所述账户的第一多个变量的值。 这些账户包括消费账户和非消费账户。 所述至少一个处理器还被配置为从所述第一多个变量中识别用于预测模型的第二多个变量，以使用所述值和逻辑回归来区分来自所述非消费者账户的所述消耗账户。

    Compliance control in a card based program
    63.
    发明授权
    Compliance control in a card based program 有权
    基于卡片的程序的合规性控制

    公开(公告)号：US08082209B2

    公开(公告)日：2011-12-20

    申请号：US12836478

    申请日：2010-07-14

    申请人： Matthew James Mullen ,  Scott David Spivack

    发明人： Matthew James Mullen ,  Scott David Spivack

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q30/06

    摘要： An analysis system processes financial transactions data for compliance with a payment program, such that the processing involves receiving data relating to a set of financial transactions that have been authorized by a payment processing system, and determining if one or more of the authorized financial transactions will be subjected to further processing, wherein the further processing operates on the received data and identifies authorized financial transactions that may be out of compliance with transaction rules of the payment program.

    摘要翻译： 分析系统处理金融交易数据以符合支付计划，使得处理涉及接收与已经由支付处理系统授权的一组金融交易相关的数据，以及确定一个或多个授权金融交易将 进行进一步处理，其中进一步处理对接收的数据进行操作，并且识别可能不符合支付程序的交易规则的授权金融交易。

    Method and system for cross-issuer registration of transaction cards
    64.
    发明授权
    Method and system for cross-issuer registration of transaction cards 有权

    公开(公告)号：US08078536B2

    公开(公告)日：2011-12-13

    申请号：US12982662

    申请日：2010-12-30

    申请人： John F. Sheets

    发明人： John F. Sheets

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/403 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/025

    摘要： Disclosed herein is a method of providing one or more transaction card services to a holder of a transaction card, the method comprising receiving a registration code from the holder, wherein the registration code is associated with the issuer of the transaction card and with the transaction card, determining the issuer of the transaction card based on at least a portion of the registration code, transmitting the registration code to the issuer of the transaction card, receiving account information from the issuer, wherein the account information is associated with the registration code and with the transaction card, displaying at least a portion of the account information to the holder, receiving a verification value corresponding to the account information from the holder, and if the verification value is valid, permitting the holder to select one or more services in which to enroll.

    System and Method of Providing Spending Information by Foreign Visitors Using Transaction Records of Financial Presentation Devices
    65.
    发明申请
    System and Method of Providing Spending Information by Foreign Visitors Using Transaction Records of Financial Presentation Devices 有权
    使用财务演示设备的交易记录为外国游客提供消费信息的系统和方法

    公开(公告)号：US20110302061A1

    公开(公告)日：2011-12-08

    申请号：US12795401

    申请日：2010-06-07

    申请人： Jeffrey Rolland Olives ,  John Chivers ,  Laura Tallman DiGioacchino ,  John W. Chandler

    发明人： Jeffrey Rolland Olives ,  John Chivers ,  Laura Tallman DiGioacchino ,  John W. Chandler

    IPC分类号： G06Q10/00 ,  G06Q50/00 ,  G06F17/30 ,  G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q40/12

    摘要： A system for providing spending information in a locality by foreign visitors using transaction records of financial presentation devices such as credit and debit cards that are presentable to merchants is disclosed. A storage device stores transaction data generated from card transactions. A transaction analysis module executable by a processor generates a filtered set of transaction records that exclude, from the stored data, a set of transactions which are indicative of having been made by long term residents of the locality, rather than by residents of foreign regions, in order to improve the accuracy of true foreign visitors to the locality. For example, the system filters out from the database all transactions of accounts that have made a bill-pay transaction. As another example, the system filters out non face-to-face transactions and all transactions with mail order and catalog merchants, and schools. Based on the filtered data, the transaction analysis module generates a spending report containing an aggregated amount of the transactions for each foreign region of the holders who have performed the transactions in the locality.

    摘要翻译： 披露了一种使用外部访问者使用交易记录来向商家提供信用卡和借记卡等金融陈述设备的交易记录来提供消费信息的系统。 存储设备存储从卡交易产生的交易数据。 由处理器执行的交易分析模块可生成经过过滤的一组交易记录，该组交易记录从所存储的数据中排除指示已由本地的长期居民而不是由外国地区居民作出的一组交易， 以提高真正的外国游客对当地的准确性。 例如，系统从数据库中过滤出已进行支付交易的帐户的所有交易。 另一个例子，该系统过滤出不同的面对面交易和邮件订单，目录商家和学校的所有交易。 基于过滤的数据，交易分析模块生成支出报告，其中包含在本地执行交易的持有人的每个外国地区的交易总量。

    Systems and Methods to Provide Data Services
    66.
    发明申请
    Systems and Methods to Provide Data Services 审中-公开
    提供数据服务的系统和方法

    公开(公告)号：US20110264567A1

    公开(公告)日：2011-10-27

    申请号：US13093618

    申请日：2011-04-25

    申请人： Andrew Clyne

    发明人： Andrew Clyne

    IPC分类号： G06Q40/00 ,  G06F17/30

    CPC分类号： G06Q30/02 ,  G06Q20/10 ,  G06Q40/12

    摘要： In one aspect, a computing apparatus includes: a transaction handler configured to process transactions; a data warehouse configured to store meta data and first data including transaction data recording the transactions and information generated based on the transaction data; an intranet coupled between the data warehouse and the transaction handler; an input engine coupled between the intranet and a plurality of data sources outside the intranet, where the input engine is controlled by the meta data to access the data sources to provide second data; and a broker engine coupled between the intranet and a plurality of data consuming devices outside the intranet, where the broker engine is controlled by the meta data to control access of the data consuming devices to the first data and the second data.

    摘要翻译： 一方面，一种计算装置包括：配置成处理事务的事务处理器; 配置为存储元数据的数据仓库和包括记录基于交易数据生成的交易和信息的交易数据的第一数据; 在数据仓库和事务处理程序之间耦合的内联网; 耦合在内联网和内联网之外的多个数据源的输入引擎，其中输入引擎由元数据控制以访问数据源以提供第二数据; 以及耦合在所述内部网与所述内部网之外的多个数据消费设备之间的代理引擎，其中所述代理引擎由所述元数据控制以控制所述数据消耗设备对所述第一数据和所述第二数据的访问。

    Auctioning of announcements
    67.
    发明授权
    Auctioning of announcements 有权
    拍卖公告

    公开(公告)号：US08032413B2

    公开(公告)日：2011-10-04

    申请号：US12428262

    申请日：2009-04-22

    申请人： Mark Carlson

    发明人： Mark Carlson

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/08 ,  G06Q20/202 ,  G06Q30/02 ,  G06Q30/0224 ,  G06Q30/0225 ,  G06Q30/0251 ,  G06Q30/0252 ,  G06Q30/0255 ,  G06Q30/0261 ,  G06Q30/0275 ,  G06Q30/0601

    摘要： An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient.

    摘要翻译： 公告分销商或拍卖机会向支付处理系统内的消费者，发行人，商家或收单方等公告收件人发布公告。 当消息被确定为位于预定空间区域内时已经满足通知条件的公告。 该通知的内容反过来可以促进随后的商业资源的无现金交易。 实施描述了公告内容，公告条件和公告收件人的各种排列。

    Systems and Methods to Distribute Advertisement Opportunities to Merchants
    68.
    发明申请
    Systems and Methods to Distribute Advertisement Opportunities to Merchants 审中-公开
    向广告商分配广告机会的系统和方法

    公开(公告)号：US20110231258A1

    公开(公告)日：2011-09-22

    申请号：US13050893

    申请日：2011-03-17

    申请人： Michelle Eng Winters

    发明人： Michelle Eng Winters

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/02 ,  G06Q30/0255

    摘要： In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions, and a portal configured to provide a user interface to receive a set of selection criteria and a plurality of bids from respective merchants for opportunities to present advertisements to users identified by the set of selection criteria based on spending patterns determined from transaction data generated by the transaction handler. The system further includes at least one processor coupled with the data warehouse and the portal and configured to determine, in response to an opportunity for advertising to a user, whether transactions of the user processed by the transaction handler satisfy the set of selection criteria and, if so, select an advertisement of one merchant of the plurality of merchants based at least in part on the bids received from the merchants.

    摘要翻译： 一方面，系统包括用于处理事务的事务处理程序，用于存储记录事务的事务数据的数据仓库，以及被配置为提供用户界面以接收来自相应商家的一组选择标准和多个出价的门户 基于由交易处理程序生成的交易数据确定的消费模式，向由用户选择标准集合标识的用户呈现广告的机会。 系统还包括与数据仓库和门户耦合的至少一个处理器，并且被配置为响应于向用户进行广告的机会来确定由交易处理者处理的用户的事务是否满足选择标准的集合， 如果是，则至少部分地基于从商家接收的投标来选择多个商家中的一个商家的广告。

    Systems and Methods to Identify Differences in Spending Patterns
    69.
    发明申请
    Systems and Methods to Identify Differences in Spending Patterns 有权
    识别支出模式差异的系统和方法

    公开(公告)号：US20110231257A1

    公开(公告)日：2011-09-22

    申请号：US13050796

    申请日：2011-03-17

    申请人： Michelle Eng Winters

    发明人： Michelle Eng Winters

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/02 ,  G06Q30/0255

    摘要： In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store data recording the transactions, and at least one processor coupled with the data warehouse and configured to identify a first set of customers who made first transactions correlated with an advertisement, identify a second set of customers not in the first set of customers, and determine a difference between a first pattern in a first set of transactions of the first set of customers and a second pattern in a second set of transactions of the second set of customers.

    摘要翻译： 一方面，系统包括用于处理事务的事务处理程序，用于存储记录事务的数据的数据仓库，以及与数据仓库耦合的至少一个处理器，并且被配置为识别与第一交易相关联的第一组客户 广告，识别不在第一组客户中的第二组客户，并且确定第一组客户的第一组交易中的第一模式与第二组中的第二组交易中的第二模式之间的差异 的客户。