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1.发明申请System, method, and computer program product for processing payments with a virtual preauthorized draft 审中-公开用虚拟预授权草案处理付款的系统，方法和计算机程序产品公开(公告)号：US20070175977A1
公开(公告)日：2007-08-02
申请号：US11409095
申请日：2006-04-24
申请人： Thomas Bauer , Vernon Marshall , Greg Sterner
发明人： Thomas Bauer , Vernon Marshall , Greg Sterner
摘要： An image-based check processing software has the ability to create an electronic check form to be displayed, printed and/or exported to a file. Using various text fonts, such as the Magnetic Ink Character Recognition (MICR) font, a new electronic form has been created from text data that has all the characteristics of a preauthorized draft. As computer and phone payments are processed by a financial institution, the virtual draft will be created if the routing/transit numbers of the paying institution accept images of checks as presentment through, for example, an image exchange program or the eventual printing of a substitute check. The transactions will then be routed to the financial institution who will import the necessary data to create the virtual check. The image will then be presented for payment.
摘要翻译： 基于图像的检查处理软件能够创建要显示，打印和/或导出到文件的电子检查表。 使用各种文字字体，如磁墨字符识别（MICR）字体，已经从具有预授权草案的所有特征的文本数据创建了一个新的电子表格。 由于计算机和电话支付由金融机构处理，如果支付机构的路由/转接号码通过例如图像交换程序接受支票的图像作为呈现，或最终打印替代品，将创建虚拟草稿 检查。 然后，这些交易将被转到将导入必要数据以创建虚拟支票的金融机构。 然后将显示图像以进行付款。
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公开(公告)号：US20130226717A1
公开(公告)日：2013-08-29
申请号：US13406197
申请日：2012-02-27
申请人： Aruj Ahluwalia , Vernon Marshall , Satish Thenthiruperai Narayanan , Andrew Roth , Xiongwen Rui , Thomas K. Serge
发明人： Aruj Ahluwalia , Vernon Marshall , Satish Thenthiruperai Narayanan , Andrew Roth , Xiongwen Rui , Thomas K. Serge
CPC分类号： G06Q20/20 , G06Q20/3227 , G06Q20/325 , G06Q20/34 , G06Q20/3821 , G06Q20/385 , G06Q20/4012 , G06Q20/40145 , G06Q20/4016 , G06Q20/42 , G06Q20/425 , H04W4/12
摘要： A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.
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3.发明授权System, method, and computer program product for issuing automatic payments linked transaction account 有权系统，方法和计算机程序产品，用于发行自动支付链接交易账户公开(公告)号：US08473394B2
公开(公告)日：2013-06-25
申请号：US12951640
申请日：2010-11-22
申请人： Vernon Marshall
发明人： Vernon Marshall
CPC分类号： G06Q40/02
摘要： An enrolling system verifies an enrollee, counter-offers a second transaction account in response to a decline of a first account, wherein the second transaction account includes more restrictions than a first transaction account, associates an enrollee's main and overdraft account, and issues a transaction account. Enrolling in the second transaction account may include enrolling in a second transaction account automatic payment program; and/or associating a demand deposit account to the second transaction account. The method may also include relaxing use restrictions of the transaction account based upon at least one of: receiving payment of a pre-selected amount, receiving payments over a pre-selected period, and receiving payment on or before a pre-selected date.
摘要翻译： 注册系统验证登记者，响应于第一帐户的减少而反向提供第二交易账户，其中第二交易账户包括比第一交易账户更多的限制，联系登记者的主要和透支账户，并发出交易 帐户。 注册在第二交易账户中可以包括登记第二交易账户自动支付程序; 和/或将活期存款账户与第二交易账户相关联。 该方法还可以包括以下中的至少一个：轻松使用交易账户的使用限制：接收预先选择的金额的支付，在预先选定的期间内接收支付，以及在预先选择的日期之前或之前接收付款。
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4.发明申请公开(公告)号：US20120245991A1
公开(公告)日：2012-09-27
申请号：US13467247
申请日：2012-05-09
CPC分类号： G06Q30/02 , G06Q30/0251 , G06Q30/0254 , G06Q30/0255
摘要： The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.
摘要翻译： 所公开的系统允许信用卡或收费卡发行商向其卡会员提供基于购买类似的卡会员可能感兴趣的商家，产品，服务，假期目的地或其他产品的列表。 在一个实例中，此过程查看在商家进行购买的所有卡片成员，然后识别所有卡片会员也进行购买的同一类别中的所有其他商家。 相关联的商家根据最大数量的共享卡会员进行排名，最后的结果可能与卡会员或商家共享，以增强促销，卡使用和营销。
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5.发明授权公开(公告)号：US07848950B2
公开(公告)日：2010-12-07
申请号：US11315262
申请日：2005-12-23
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0251 , G06Q30/0254 , G06Q30/0255
摘要： The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.
摘要翻译： 所公开的系统允许信用卡或收费卡发行商向其卡会员提供基于购买类似的卡会员可能感兴趣的商家，产品，服务，假期目的地或其他产品的列表。 在一个实例中，此过程查看在商家进行购买的所有卡片成员，然后识别所有卡片会员也进行购买的同一类别中的所有其他商家。 相关联的商家根据最大数量的共享卡会员进行排名，最后的结果可能与卡会员或商家共享，以增强促销，卡使用和营销。
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6.发明授权Speaker recognition in a multi-speaker environment and comparison of several voice prints to many 有权扬声器识别在多扬声器环境中，并将多个语音打印与许多对比进行比较公开(公告)号：US07778832B2
公开(公告)日：2010-08-17
申请号：US11862079
申请日：2007-09-26
IPC分类号： G10L17/00
CPC分类号： G06Q20/40 , G06Q20/341 , G06Q20/3558 , G06Q20/382 , G06Q20/40145 , G07F7/1008 , G10L17/00
摘要： One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.
摘要翻译： 一对多呼叫者语音打印与已知语音打印的比较，以识别它们之间的任何匹配。 当客户与特定实体（例如客户服务中心）通信时，系统记录实时呼叫，包括客户和代理人的声音。 该系统将记录分段以提取至少一部分客户的语音以创建客户语音打印，并且将用于网络传输的分段语音打印格式化为服务器。 服务器将客户的语音打印与多个已知语音打印进行比较，以确定任何匹配，这意味着客户的语音打印和已知语音打印之一可能来自同一人。 任何比赛的识别可以用于各种目的，例如确定是否授权客户请求的交易。
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公开(公告)号：US09053707B2
公开(公告)日：2015-06-09
申请号：US13085162
申请日：2011-04-12
申请人： Chin H. Khor , Marcel Leyva , Vernon Marshall
发明人： Chin H. Khor , Marcel Leyva , Vernon Marshall
CPC分类号： H04M3/5175 , G06Q30/016 , G06Q30/02 , G10L17/00 , G10L17/02 , G10L17/26 , G10L25/48 , G10L25/63 , H04M3/2281 , H04M3/51 , H04M2201/18 , H04M2201/40 , H04M2201/41 , H04M2203/301 , H04M2203/401
摘要： One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.
摘要翻译： 一对多呼叫者的单词和/或语音打印与已知的单词和/或语音打印进行比较，以识别它们之间的任何实质的匹配。 当客户与特定实体（例如客户服务中心）通信时，系统记录实时呼叫，包括客户和代理人的声音。 系统分割录音以提取不同的单词，如愤怒的话。 该系统还可以划分客户语音的至少一部分以创建音调简档，并且将用于网络传输的分段单词和音调配置文件格式化成服务器。 服务器将客户的单词和/或音调配置文件与存储在数据库上的多个已知单词和/或音调配置文件进行比较，以确定任何实质的匹配。 任何比赛的识别可以用于各种目的，例如提供代表性反馈或客户跟进。
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8.发明授权System and method using enhanced authorization data to reduce travel-related transaction fraud 有权使用增强授权数据的系统和方法来减少旅游相关的交易欺诈公开(公告)号：US08386376B2
公开(公告)日：2013-02-26
申请号：US10588811
申请日：2005-02-09
IPC分类号： G06Q40/00
摘要： Processes for reducing fraud risk in credit transactions, particularly those involving airline ticket purchases, include collecting the following additional transaction variables and their use in real-time authorization decisions: credit card holder name, reservation code, passenger name, origin city, destination city, travel date, routing description, class of service, e-ticket indicator, number of passengers traveling and carrier code. The additional transaction variables received during a transaction involving the purchase of airline tickets are passed, in addition to the transaction variables traditionally included in a real-time authorizations request, to a fraud risk evaluation model maintained by a financial institution or other entity responsible for authorizing a payment for the transaction. The fraud-risk models use historical behavior and optimal risk decision-making factors to authorize or reject the transaction in real time, without slowing standard authorization processing times.
摘要翻译： 信贷交易中特别是那些涉及机票购买行为的诈骗风险降低的过程包括收集以下附加交易变量及其在实时授权决策中的使用：信用卡持有人姓名，预约号码，乘客姓名，原籍城市，目的地城市， 旅行日期，路线说明，服务等级，电子机票指标，乘客人数和承运人代码。 在涉及购买机票的交易中收到的附加交易变量除了传统上包括在实时授权请求中的交易变量之外还被转交给由金融机构或负责授权的其他实体维护的欺诈风险评估模型 交易付款。 欺诈风险模型使用历史行为和最优风险决策因素实时授权或拒绝交易，而不会减缓标准授权处理时间。
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9.发明申请公开(公告)号：US20110191106A1
公开(公告)日：2011-08-04
申请号：US13085162
申请日：2011-04-12
申请人： Chin H. Khor , Marcel Leyva , Vernon Marshall
发明人： Chin H. Khor , Marcel Leyva , Vernon Marshall
IPC分类号： G10L15/04
CPC分类号： H04M3/5175 , G06Q30/016 , G06Q30/02 , G10L17/00 , G10L17/02 , G10L17/26 , G10L25/48 , G10L25/63 , H04M3/2281 , H04M3/51 , H04M2201/18 , H04M2201/40 , H04M2201/41 , H04M2203/301 , H04M2203/401
摘要： One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.
摘要翻译： 一对多呼叫者的单词和/或语音打印与已知的单词和/或语音打印进行比较，以识别它们之间的任何实质的匹配。 当客户与特定实体（例如客户服务中心）通信时，系统记录实时呼叫，包括客户和代理人的声音。 系统分割录音以提取不同的单词，如愤怒的话。 该系统还可以划分客户语音的至少一部分以创建音调简档，并且将用于网络传输的分段单词和音调配置文件格式化成服务器。 服务器将客户的单词和/或音调配置文件与存储在数据库上的多个已知单词和/或音调配置文件进行比较，以确定任何实质的匹配。 任何比赛的识别可以用于各种目的，例如提供代表性反馈或客户跟进。
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10.发明申请公开(公告)号：US20110035279A1
公开(公告)日：2011-02-10
申请号：US12907748
申请日：2010-10-19
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0251 , G06Q30/0254 , G06Q30/0255
摘要： The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.
摘要翻译： 所公开的系统允许信用卡或收费卡发行商向其卡会员提供基于购买类似的卡会员可能感兴趣的商家，产品，服务，假期目的地或其他产品的列表。 在一个实例中，此过程查看在商家进行购买的所有卡片成员，然后识别所有卡片会员也进行购买的同一类别中的所有其他商家。 相关联的商家根据最大数量的共享卡会员进行排名，最后的结果可能与卡会员或商家共享，以增强促销，卡使用和营销。
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