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    METHOD AND SYSTEM FOR DETERMINING FRAUD IN A CARD-NOT-PRESENT TRANSACTION
    4.
    发明申请
    METHOD AND SYSTEM FOR DETERMINING FRAUD IN A CARD-NOT-PRESENT TRANSACTION 审中-公开
    用于确定不存在交易中的欺诈的方法和系统

    公开(公告)号：US20120197802A1

    公开(公告)日：2012-08-02

    申请号：US13360537

    申请日：2012-01-27

    申请人： Janet Smith ,  John D. Chisholm ,  Johan Gerber ,  Clara Salazar ,  Matthew Wickman ,  Susan Meyer ,  Rachael Vahle Cordero ,  Christopher John Merz

    发明人： Janet Smith ,  John D. Chisholm ,  Johan Gerber ,  Clara Salazar ,  Matthew Wickman ,  Susan Meyer ,  Rachael Vahle Cordero ,  Christopher John Merz

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/4016 ,  G06Q20/12 ,  G06Q20/388 ,  G06Q20/40

    摘要： A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.

    摘要翻译： 提供了与不存在卡的不支持卡系统相关联的用于欺诈检测的计算机系统。 该系统包括网络主机站点和交换网络，其包括通信地耦合到用于存储数据的存储器设备的处理器和网络主机站点，其中处理器被编程为从商家接收卡交易授权请求消息，路由卡交易 授权请求到网络主机站点执行CNP欺诈风险评分，并且基于卡交易授权请求的标准，呼叫为交易授权请求的标准定义的多个欺诈评分模型中的至少一个。 处理器还被编程为基于当前交易授权请求数据和更新的卡片帐户简档来计算欺诈风险分数，并将消息发送到支付卡的发行者以批准该请求。

    METHODS AND SYSTEMS FOR MANAGING MERCHANT IDENTIFIERS
    5.
    发明申请
    METHODS AND SYSTEMS FOR MANAGING MERCHANT IDENTIFIERS 有权
    管理商家识别员的方法和系统

    公开(公告)号：US20090228365A1

    公开(公告)日：2009-09-10

    申请号：US12396561

    申请日：2009-03-03

    申请人： Brad Michael Tomchek ,  Janet Smith ,  Shoon Ping Wong

    发明人： Brad Michael Tomchek ,  Janet Smith ,  Shoon Ping Wong

    IPC分类号： G06Q20/00 ,  G06F17/30 ,  G06Q10/00

    CPC分类号： G06Q10/00 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/202 ,  G06Q20/24 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q40/12

    摘要： A method and system for processing a merchant identification request from a private label payment card issuer is provided. The issuer is communicatively coupled to a multi-party payment card interchange that includes access to a database. The database stores a plurality of historical multi-party payment card transactions. The method includes transmitting a list of private label merchant locations from the issuer to the interchange wherein the list includes physical location information relating to the private label merchants listed, processing the list at the interchange by applying thereto an identification analysis including one of merchant matching only, test transaction only, and merchant matching plus test transaction, identifying at least one private label merchant location included within the list including associating a unique identifier with the at least one identified private label merchant location, and outputting the at least one identified private label merchant location with the associated unique identifier.

    摘要翻译： 提供了一种从私人标签支付卡发行者处理商家识别请求的方法和系统。 发行者通信地耦合到包括对数据库的访问的多方支付卡交换。 数据库存储多个历史多方支付卡交易。 该方法包括从发行者向交换所发送私人标签商家位置的列表，其中该列表包括与列出的私人标签商家相关的物理位置信息，通过应用包括商家匹配之一的识别分析在交换处处理列表 ，仅测试交易，以及商家匹配加测试交易，识别包括在列表内的至少一个私人标签商家位置，包括将唯一标识符与至少一个识别的私有标签商家位置相关联，以及输出至少一个识别的私人标签商家 具有关联的唯一标识符的位置。

    Methods and systems for managing merchant identifiers
    8.
    发明授权
    Methods and systems for managing merchant identifiers 有权
    用于管理商家标识符的方法和系统

    公开(公告)号：US08191766B2

    公开(公告)日：2012-06-05

    申请号：US12396561

    申请日：2009-03-03

    申请人： Brad Michael Tomchek ,  Janet Smith ,  Shoon Ping Wong

    发明人： Brad Michael Tomchek ,  Janet Smith ,  Shoon Ping Wong

    IPC分类号： G06F7/00 ,  G06Q40/00

    CPC分类号： G06Q10/00 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/202 ,  G06Q20/24 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q40/12

    摘要： A method and system for processing a merchant identification request from a private label payment card issuer is provided. The issuer is communicatively coupled to a multi-party payment card interchange that includes access to a database. The database stores a plurality of historical multi-party payment card transactions. The method includes transmitting a list of private label merchant locations from the issuer to the interchange wherein the list includes physical location information relating to the private label merchants listed, processing the list at the interchange by applying thereto an identification analysis including one of merchant matching only, test transaction only, and merchant matching plus test transaction, identifying at least one private label merchant location included within the list including associating a unique identifier with the at least one identified private label merchant location, and outputting the at least one identified private label merchant location with the associated unique identifier.

    摘要翻译： 提供了一种从私人标签支付卡发行者处理商家识别请求的方法和系统。 发行者通信地耦合到包括对数据库的访问的多方支付卡交换。 数据库存储多个历史多方支付卡交易。 该方法包括从发行者向交换所发送私人标签商家位置的列表，其中该列表包括与列出的私人标签商家相关的物理位置信息，通过应用包括商家匹配之一的识别分析在交换处处理列表 ，仅测试交易，以及商家匹配加测试交易，识别包括在列表内的至少一个私人标签商家位置，包括将唯一标识符与至少一个识别的私有标签商家位置相关联，以及输出至少一个识别的私人标签商家 具有关联的唯一标识符的位置。

    Services Referral System And Method
    9.
    发明申请
    Services Referral System And Method 审中-公开
    服务推荐系统与方法

    公开(公告)号：US20100049618A1

    公开(公告)日：2010-02-25

    申请号：US12195072

    申请日：2008-08-20

    申请人： Janet Smith

    发明人： Janet Smith

    IPC分类号： G06Q30/00 ,  G06Q50/00

    CPC分类号： G06Q30/00 ,  G06Q30/0601

    摘要： A method and system for providing a referral service for services performed by professionals and/or service providers. The referral service enables an individual or consumer to quickly and accurately determine which professional or service provider is qualified and willing to perform a specific task or provide a specific service that the individual or consumer is in need of. The referral service also determines the qualifications of the professional or service provider to perform specific tasks or provide specific services. The referral service establishes and maintains a current rating system of the professional or service provider's performance relating to specific tasks or services which they have provided to individuals or consumers.

    摘要翻译： 一种用于为由专业人员和/或服务提供商执行的服务提供转介服务的方法和系统。 转介服务使个人或消费者能够快速，准确地确定哪个专业或服务提供商有资格并愿意执行特定任务或提供个人或消费者需要的特定服务。 转介服务还确定专业或服务提供商执行特定任务或提供特定服务的资格。 转介服务建立并维护与专业人员或服务提供者提供给个人或消费者的具体任务或服务相关的现行评估系统。

    METHODS AND SYSTEMS FOR MANAGING MERCHANT SCREENING
    10.
    发明申请
    METHODS AND SYSTEMS FOR MANAGING MERCHANT SCREENING 有权
    管理商业屏幕的方法和系统

    公开(公告)号：US20090254463A1

    公开(公告)日：2009-10-08

    申请号：US12416728

    申请日：2009-04-01

    申请人： Brad Michael Tomchek ,  Jill E. Chong ,  Suman Rausaria ,  Cathrine Lee Bone ,  Linda L. McCorkell ,  Shoon Ping Wong ,  Janet Smith

    发明人： Brad Michael Tomchek ,  Jill E. Chong ,  Suman Rausaria ,  Cathrine Lee Bone ,  Linda L. McCorkell ,  Shoon Ping Wong ,  Janet Smith

    IPC分类号： G06Q20/00 ,  G06Q10/00 ,  G06F17/30 ,  G06F17/40 ,  G06Q40/00 ,  G06Q30/00

    CPC分类号： G06Q20/35785 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q30/0283 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/12 ,  H04L63/101

    摘要： A method and system for processing a financial transaction using a payment card through a third-party interchange network is provided. The financial transaction is initiated by a cardholder at a merchant location. The method includes storing a list of private label participating merchants, receiving an authorization request for the transaction involving the payment card wherein the authorization request includes a merchant location identifier for the merchant location where the transaction occurred, performing a merchant screening process on the transaction including validating the transaction as originating at a private label participating merchant location, manipulating at the interchange network the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting the manipulated authorization request with the private label identifier to an issuer of the payment card for processing as a private label transaction.

    摘要翻译： 提供了一种通过第三方交换网络处理使用支付卡的金融交易的方法和系统。 金融交易由商户位置的持卡人发起。 所述方法包括存储私人标签参与商家的列表，接收涉及支付卡的交易的授权请求，其中所述授权请求包括所述交易发生的商户位置的商户位置标识符，对所述交易进行商家筛选处理，包括 将所述交易验证为在私人标签参与商户位置发起，在所述交易所网络处操作所述授权请求以在所述交易被确定为在所述参与商家中的一个发起时包括私人标签标识符，以及将所述被操纵的授权请求与 私人标签标识符作为私人标签交易处理的支付卡的发行者。