公开(公告)号：US20120084164A1

公开(公告)日：2012-04-05

申请号：US12895208

申请日：2010-09-30

申请人： Ayman Hammad ,  Francisco Oliva ,  Uzma Makhdumi ,  Pat Stan ,  Lori Van Deloo ,  Allen Cueli

发明人： Ayman Hammad ,  Francisco Oliva ,  Uzma Makhdumi ,  Pat Stan ,  Lori Van Deloo ,  Allen Cueli

IPC分类号： G06Q20/00

CPC分类号： G06Q20/202 ,  G06Q20/3221 ,  G06Q20/405

摘要： Systems and methods for defining, observing and detecting transactions that initiate an alert message to be sent to one or more users are disclosed. Aggregate threshold, number of transactions and proximity to reward types of alert messages and alert criteria can be defined or selected by users, merchants, and issuers. Alert messages can be sent based on aggregating transaction data from an observed transaction with information from historical transactions, such as credit card transactions. If the aggregated transaction data associated with the transactions match any of the alert criteria, then alert messages can be sent to one or more users. An alert message may include information from the alert trigger as well as the aggregated transaction data.

摘要翻译： 公开了用于定义，观察和检测发起要发送给一个或多个用户的警报消息的事务的系统和方法。 可以由用户，商家和发行人定义或选择聚合阈值，交易数量和接近报警信息的报酬类型和报警标准。 可以基于来自观察的交易的交易数据汇总来自历史交易的信息（例如信用卡交易）发送警报消息。 如果与事务相关联的聚合事务数据与任何警报标准相匹配，则可以向一个或多个用户发送警报消息。 警报消息可以包括来自警报触发器的信息以及聚合的事务数据。

公开(公告)号：US20100241535A1

公开(公告)日：2010-09-23

申请号：US12726078

申请日：2010-03-17

申请人： Brad Nightengale ,  Sharon Rowberry ,  Pat Stan

发明人： Brad Nightengale ,  Sharon Rowberry ,  Pat Stan

IPC分类号： G06Q20/00 ,  G06Q10/00 ,  G06Q40/00 ,  G06F15/16

CPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/12

摘要： An alert recipient receives an account alert after an account activity satisfies criteria of an alert rule. The account alert may be triggered by the usage of a consumer identifier with any of: an application for a new account, an account activation request, or an account usage. To illustrate, a fraudster may utilize the consumer identifier in an application to open a new account, to activate an issued prepaid account, or conduct a transaction on an activated issued prepaid account. Data from the account application, activation, or transaction may be sent to a host that compares the data against the criteria of an alert rule. If the criterion is satisfied, the account alert is sent to the account recipient. The account recipient may required to respond to the alert in order to permit the activity that is the subject of the account alert.

摘要翻译： 在帐户活动满足警报规则的条件之后，警报接收者收到帐户警报。 可以通过使用消费者标识符来触发帐户警报，其中包括：新帐户的应用程序，帐户激活请求或帐户使用。 为了说明，欺诈者可以利用应用程序中的消费者标识符来打开新帐户，激活已发行的预付帐户，或者在激活的已发放的预付帐户上进行交易。 来自帐户应用程序，激活或事务的数据可以发送到主机，该主机将数据与警报规则的标准进行比较。 如果满足标准，则将帐户警报发送到帐户收件人。 帐户收件人可能需要响应警报，以允许作为帐户警报主题的活动。

公开(公告)号：US08126967B2

公开(公告)日：2012-02-28

申请号：US12753429

申请日：2010-04-02

申请人： Mark Carlson ,  Pat Stan

发明人： Mark Carlson ,  Pat Stan

IPC分类号： G06F15/16 ,  G06F15/173

CPC分类号： G06Q20/401 ,  G06Q20/202 ,  G06Q20/325 ,  G06Q20/40 ,  G06Q30/0185 ,  G06Q30/0224 ,  G06Q30/0236 ,  G06Q40/12 ,  G06Q50/265 ,  G08B5/229 ,  G08B25/004 ,  H04L12/1895 ,  H04L67/04 ,  H04L67/26 ,  H04L67/306

摘要： Systems, methods and communication gateways for delivering timely, cost efficient and scalable user alert messages are disclosed. Using electronic communication media, user alert messages are generated by a communication gateway at the request of a requesting entity, such as a credit card issuer. The alert message is associated with a message identifier and then routed to one or more message aggregators based on the content of the alert message initiation request and a routing table. If the first selection of message aggregators is not available or otherwise unable to deliver the user alert message, then the communication gateway can reroute the user alert message to another message aggregator or queue the message for later delivery. The communication gateway can monitor and log the status and ability of the servicing message aggregator in the routing table to better facilitate timely delivery of the user alert messages.

摘要翻译： 公开了用于提供及时，成本效益和可扩展的用户警报消息的系统，方法和通信网关。 使用电子通信媒体，通过请求实体（如信用卡发行者）的请求，由通信网关生成用户警报消息。 警报消息与消息标识符相关联，然后基于警报消息发起请求和路由表的内容路由到一个或多个消息聚合器。 如果消息聚合器的第一选择不可用或以其他方式不能传递用户警报消息，则通信网关可以将用户警报消息重新路由到另一个消息聚合器或者将该消息排队以供以后传送。 通信网关可以在路由表中监视和记录服务消息聚合器的状态和能力，以更好地促进用户警报消息的及时传递。

公开(公告)号：US20110131135A1

公开(公告)日：2011-06-02

申请号：US12861115

申请日：2010-08-23

申请人： Mark Carlson ,  Pat Stan ,  Patrick L. Faith ,  Ayman A. Hammad ,  Ben Rewis

发明人： Mark Carlson ,  Pat Stan ,  Patrick L. Faith ,  Ayman A. Hammad ,  Ben Rewis

IPC分类号： G06Q10/00 ,  G06Q40/00

CPC分类号： G06Q10/00 ,  G06Q20/40 ,  G06Q30/012 ,  G06Q30/06

摘要： A message confirming a transaction for the purchase of an item can include identifiers for the item and for a consumer as well as information pertaining to the transaction. The item identifier is used to locate an express warranty for the item. The consumer identifier (e.g.; a number of an account issued to the consumer) is used to locate the consumer's file in which the express warranty is stored along with at least a portion of the information pertaining to the transaction. Other data received in respective messages can be also be stored in the consumer's file. Thereafter, the consumer identifier can be use to retrieve all express warranties stored in the file for past respective purchased items. Information about each express warranty can be compared to the stored portion of the information pertaining to the transaction so as to retrieve only those express warranties that are valid (e.g.; unexpired).

摘要翻译： 确认购买项目的交易的消息可以包括项目和消费者的标识符以及与交易有关的信息。 项目标识符用于查找项目的明示保修。 消费者标识符（例如，向消费者发放的帐户的数量）用于定位消费者在其中存储明示保证的文件以及与交易相关的信息的至少一部分。 在各消息中收到的其他数据也可以存储在消费者的文件中。 此后，可以使用消费者标识符来检索存储在文件中的所有对于过去各自购买的商品的所有明示保证。 关于每个明示保修的信息可以与存储的关于交易的信息的部分进行比较，以便仅检索那些有效（例如未到期）的明示保证。

公开(公告)号：US20100114760A1

公开(公告)日：2010-05-06

申请号：US12534800

申请日：2009-08-03

申请人： Raj Sundarasen ,  Ramki Rosanuru ,  Srini Reddi ,  Sharon North ,  Heide Ulrich ,  Peter Ciurea ,  Karteek Patel ,  Sarah Suarez ,  Alistair Duncan ,  Pat Stan ,  Tim Ural

发明人： Raj Sundarasen ,  Ramki Rosanuru ,  Srini Reddi ,  Sharon North ,  Heide Ulrich ,  Peter Ciurea ,  Karteek Patel ,  Sarah Suarez ,  Alistair Duncan ,  Pat Stan ,  Tim Ural

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q20/12 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/20

摘要： A single point of access and an integrated user experience for a set of tools are provided for a payment processing system that includes a transaction handler in communication with issuers and acquirers for the processing of payments from the issuers to the acquirers. The tools include: (i) commercial reporting; (ii) expense management; and (iii) account program management tools that are used by (a) issuers who issue the accounts for the cards to account holders and by (b) the account holders. Multiples services are integrated as relevant to specific audiences through an entitlement process, where a single point access is allowed. Applications, which can be developed and/or hosted independently, are accessible through a common interface.

摘要翻译： 为一种支付处理系统提供单一访问点和综合用户体验，支付处理系统包括与发行者和收单方通信的交易处理程序，用于处理从发行人到收单方的付款。 这些工具包括：（i）商业报告; （ii）费用管理; （iii）由（a）发行人向账户持有人发行账户的发行人和（b）账户持有人使用的账户管理工具。 通过允许单点访问的授权过程将多个服务集成到特定受众的相关内容中。 可以通过公共接口访问可以独立开发和/或托管的应用程序。