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    OVERAGE SERVICE INVOLVING OVERAGE MAGNETIC STRIPE
    2.
    发明申请
    OVERAGE SERVICE INVOLVING OVERAGE MAGNETIC STRIPE 审中-公开
    涉及超大型磁条的超载服务

    公开(公告)号：US20120061464A1

    公开(公告)日：2012-03-15

    申请号：US13101635

    申请日：2011-05-05

    申请人： Tamara S. Kingston ,  Willard Andrew Barr ,  Doris Maria Garrett ,  Mark Allan Nelson ,  Jonathan H. Tucker ,  John Franklin Tuders ,  Elbert Lee Whitler

    发明人： Tamara S. Kingston ,  Willard Andrew Barr ,  Doris Maria Garrett ,  Mark Allan Nelson ,  Jonathan H. Tucker ,  John Franklin Tuders ,  Elbert Lee Whitler

    IPC分类号： G06Q40/00

    CPC分类号： G07F19/203

    摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service involving an overage magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving overage swipe information indicating that an overage magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the overage swipe information.

    摘要翻译： 一般来说，本发明的实施例涉及用于提供涉及超额磁条的超额服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中所述交易涉及交易机器和帐户，并且所述帐户与信用卡/借记卡相关联; （b）至少部分地基于交易信息来确定该账户将因交易而导致超额收益; （c）接收表示信用卡/借记卡的超额磁条在交易机上被刷卡的超额刷卡信息; 和（d）至少部分地授权交易基于接收超量刷卡信息。

    FRAUD MESSAGING SERVICE
    3.
    发明申请
    FRAUD MESSAGING SERVICE 审中-公开
    FRAUD消息传递服务

    公开(公告)号：US20130041821A1

    公开(公告)日：2013-02-14

    申请号：US13207025

    申请日：2011-08-10

    申请人： Tamara S. Kingston ,  Elbert Lee Whitler ,  John Franklin Tuders ,  Willard Andrew Barr

    发明人： Tamara S. Kingston ,  Elbert Lee Whitler ,  John Franklin Tuders ,  Willard Andrew Barr

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02

    摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing a fraud messaging service. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, and where the account is held by an account holder; (b) determining, based at least partially on the transaction information, that the transaction has triggered a fraud rule; (c) prompting, via a mobile device, the holder to consent to the transaction, where the mobile device is associated with the holder, and where the prompting the holder is based at least partially on the determining that the transaction has triggered the fraud rule; (d) receiving the holder's consent to the transaction; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

    摘要翻译： 一般来说，本发明的实施例涉及用于提供欺诈消息传递服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中交易涉及帐户，以及账户由账户持有人持有的位置; （b）至少部分地基于交易信息确定该交易触发了欺诈规则; （c）通过移动设备，通过移动设备促使持有人同意交易，移动设备与持有人相关联，以及在确定该交易触发了欺诈规则的情况下至少部分地提示持有人的基础 ; （d）收到持有人同意交易; （e）至少部分地授权交易获得持有人的同意。