公开(公告)号：US07699221B2

公开(公告)日：2010-04-20

申请号：US12392651

申请日：2009-02-25

Applicant: Bruce Dragt ,  Daniel Ahles

Inventor： Bruce Dragt ,  Daniel Ahles

IPC: G06K15/00

CPC classification number: G06Q20/40 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/401 ,  G06Q40/025

Abstract: Systems and methods for performing a simplified risk assessment are provided. A historical transaction value for past transactions associated with related promissory payments is maintained. A request is received from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment. The historical transaction value associated with the related promissory payments is accessed and determination, based on the historical transaction value, of whether to authorize the financial transaction based on a risk score or whether to authorize the financial transaction based on data stored in a negative database is made.

Abstract translation: 提供了执行简化风险评估的系统和方法。 维持与相关承付款有关的以往交易的历史交易价值。 收到来自商家的请求，以确定与提供的承付款相关联的金融交易的授权。 访问与相关承付款相关的历史交易价值，根据历史交易价值确定是否根据风险分数授权金融交易，还是根据存储在负数据库中的数据授权金融交易， 制作。

公开(公告)号：US20100049599A1

公开(公告)日：2010-02-25

申请号：US12194724

申请日：2008-08-20

Applicant: Sarah Owen ,  Virginia G. Sayor ,  Matt Withey ,  Todd R. Nuzum ,  Barbara C. Gaines

Inventor： Sarah Owen ,  Virginia G. Sayor ,  Matt Withey ,  Todd R. Nuzum ,  Barbara C. Gaines

IPC: G06Q30/00 ,  G06Q90/00

CPC classification number: G06Q30/02 ,  G06Q30/0241

Abstract: Methods, systems, and machine-readable media are disclosed for filtering marketing messages sent to a mobile device. According to one embodiment, a method for filtering marketing messages sent to a mobile device can comprise receiving preference information from a user of the mobile device, the preference information indicating marketing offers the user considers to be relevant and generating one or more rules based on the preference information, the one or more rules defining conditions for marketing offers to be sent to the mobile device. The method can further comprise receiving marketing information related to at least one marketing offer, applying the one or more rules to the marketing information, and sending the marketing offer to the mobile device based on applying the one or more rules to the marketing information.

Abstract translation: 公开了用于过滤发送到移动设备的营销消息的方法，系统和机器可读介质。 根据一个实施例，用于过滤发送到移动设备的营销消息的方法可以包括从移动设备的用户接收偏好信息，所述偏好信息指示用户认为是相关的营销提供，并且基于 偏好信息，定义要发送到移动设备的营销要求条件的一个或多个规则。 该方法可以进一步包括接收与至少一个营销提议相关的营销信息，将一个或多个规则应用于营销信息，以及基于将一个或多个规则应用于营销信息将营销提供发送到移动设备。

公开(公告)号：US07664687B1

公开(公告)日：2010-02-16

申请号：US09474576

申请日：1999-12-29

Applicant: Cassandra J. Mollett ,  Thomas E. Burnside

Inventor： Cassandra J. Mollett ,  Thomas E. Burnside

IPC: G06Q40/00

CPC classification number: G06Q40/08 ,  G06Q20/042 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00

Abstract: The invention involves a system and a method of determining collectability of a check writer from a database including negative information of a plurality of check writers for check writing approval or denial. The invention provides for an improvement of determining collectability of a check writer in order to more effectively distinguish between collectible check writers and non-collectible check writers. The invention includes receiving the information of the check writer, processing the information to determine a score of the check writer, classifying the check writer within a predetermined category, and removing or retaining the check writer information from the database, depending on the category within which the check writer is classified.

Abstract translation: 本发明涉及一种从数据库中确定支票书写者的可收集性的系统和方法，包括用于支票书面批准或拒绝的多个支票作者的否定信息。 本发明提供了确定检查记录器的可收集性的改进，以便更有效地区分可收集的检查记录器和不可收集的检查记录器。 本发明包括接收支票作者的信息，处理信息以确定支票作者的分数，将支票作者分类在预定类别内，以及根据其中的类别从数据库中删除或保留支票作者信息 支票作家被分类。

公开(公告)号：US07653590B1

公开(公告)日：2010-01-26

申请号：US10047917

申请日：2002-01-14

Applicant: Thad Kroon ,  Charles McGinnis

Inventor： Thad Kroon ,  Charles McGinnis

IPC: G06Q40/00

CPC classification number: G06Q20/20 ,  G06Q20/042 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/12

Abstract: A risk assessment system and method that calculates the risk of approving certain financial transactions, such as payment by check, and provides an indication as to whether to accept or decline the check. The system and method further include a process for calculating the risk of overturning the original decision whereby indications of whether to overturn a particular original transaction decline can be provided to a customer service agent such that the overturn decision is based upon the calculation of overturn risk using one or more overturn scoring modules.

Abstract translation: 计算批准某些金融交易的风险的风险评估系统和方法，如支票支付，并提供是否接受或拒绝支票的指示。 该系统和方法还包括计算推翻原始决定的风险的过程，从而可以向客户服务代理提供是否推翻特定原始交易下降的指示，使得推翻决策基于使用翻转风险的计算 一个或多个翻转评分模块。

公开(公告)号：US20090327067A1

公开(公告)日：2009-12-31

申请号：US12491716

申请日：2009-06-25

Applicant: John Berger ,  Douglas P. Dwyre ,  Todd Parola

Inventor： John Berger ,  Douglas P. Dwyre ,  Todd Parola

IPC: G06Q30/00

CPC classification number: G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0233 ,  G06Q30/0234 ,  G06Q30/0236

Abstract: Embodiments may relate to systems and methods for distributing incentives to encourage subsequent action. In one embodiment, a method to facilitate encouraging consumer behavior can be provided. The method may include electronically identifying a consumer to be a recipient of an incentive device by a marketing system, wherein the incentive device is associated with a marketing campaign defining at least one predefined activity to be performed by the consumer prior to activating the incentive device, and wherein the incentive device has inherent value that is available for redemption upon activation. The method may further include storing consumer data associating the consumer with the incentive device in the marketing system. In addition, the method may include distributing the incentive device to the consumer in an inactivated state, and electronically activating the incentive device only upon receipt of an indication that the consumer has satisfied the at least one predefined activity.

Abstract translation: 实施例可以涉及用于分发奖励以鼓励后续动作的系统和方法。 在一个实施例中，可以提供促进鼓励消费者行为的方法。 该方法可以包括通过营销系统将消费者电子地识别为激励设备的接收者，其中所述激励设备与在激活激励设备之前定义要由消费者执行的至少一个预定活动的营销活动相关联， 并且其中所述激励设备具有在激活时可用于兑换的固有价值。 该方法还可以包括将消费者与激励设备相关联的消费者数据存储在营销系统中。 此外，该方法可以包括在激活状态下将激励设备分配给消费者，并且仅在接收到消费者已经满足至少一个预定活动的指示时才电子激活激励设备。

公开(公告)号：US07613653B2

公开(公告)日：2009-11-03

申请号：US10045632

申请日：2001-10-26

Applicant: Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams ,  Cheryl L. Neofytides ,  Aamer Ali Baig ,  Peter M. Karas ,  James E. Cowell ,  James R. Yoder ,  Matt F. Golub

Inventor： Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams ,  Cheryl L. Neofytides ,  Aamer Ali Baig ,  Peter M. Karas ,  James E. Cowell ,  James R. Yoder ,  Matt F. Golub

IPC: G06Q40/00

CPC classification number: G06Q30/06 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/40

Abstract: According to the invention, a method for transferring a credit amount out of an online system using a money order is disclosed. In one step, pay-out instructions are received at a server computer system from a wide-area computer network coupled to a payor. The pay-out instructions include at least two of a payee, a delivery location, and the credit amount. A first handler associated with the payor and a second handler for preparation of the money order according to the pay-out instructions are determined. The credit amount is transferred from the first handler to the online system. The pay-out instructions are sent to the second handler.

公开(公告)号：US07610248B1

公开(公告)日：2009-10-27

申请号：US10028888

申请日：2001-12-19

Applicant: Jeffrey G. Nowlin ,  Scott J. Smith ,  Fred C. Casto

Inventor： Jeffrey G. Nowlin ,  Scott J. Smith ,  Fred C. Casto

IPC: G06Q99/00

CPC classification number: G07B17/00661 ,  G06Q30/0283 ,  G07B2017/00491 ,  G07B2017/00701

Abstract: A method for producing and weighing a mailing unit that is formed from a plurality of components including inserts and envelopes comprises the steps of determining a weight for each of the components and electronically storing a record of the weights. The inserts are placed into the envelope to form the mailing unit, and the weight of the mailing unit is determined based on the weights of the components utilized to form the mailing unit that are stored in the weight record.

Abstract translation: 一种由包括插入物和信封的多个部件形成的邮寄单元的制造和称重方法包括以下步骤：确定每个部件的重量并电子存储重量记录。 将插入物放置在信封中以形成邮寄单元，并且基于用于形成存储在权重记录中的邮寄单元的组件的权重来确定邮寄单元的权重。

公开(公告)号：US07599888B2

公开(公告)日：2009-10-06

申请号：US09992596

申请日：2001-11-14

Applicant: Mario P. Manfre ,  Christopher A. Schmid

Inventor： Mario P. Manfre ,  Christopher A. Schmid

IPC: G06Q40/00

CPC classification number: G06Q20/04 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q20/10 ,  G06Q20/40

Abstract: A method for processing a check transaction includes receiving transaction information that is transmitted by a terminal; determining eligibility of the transaction for payment via a bank account; providing an electronic authorization response that is transmitted to the terminal, the authorization response including a unique transaction identifier if the transaction is eligible for payment via the bank account; and receiving an electronic response packet that is transmitted by the terminal if the transaction is eligible for payment via the bank account, the response packet including the unique transaction identifier and a transaction decision regarding payment via the bank account.

Abstract translation: 一种用于处理支票交易的方法包括接收由终端发送的交易信息; 通过银行账户确定交易的资格; 提供发送到终端的电子授权响应，如果该交易有资格通过该银行帐户进行支付，该授权响应包括唯一的交易标识符; 以及如果所述交易有资格通过所述银行帐户进行支付，则接收由所述终端发送的电子响应分组，所述响应分组包括所述唯一交易标识符以及关于经由所述银行帐户的支付的交易决定。

公开(公告)号：US20090240579A1

公开(公告)日：2009-09-24

申请号：US12052962

申请日：2008-03-21

Applicant: Dan Skowronek ,  Sunil Dewan ,  Kevin Knowles ,  Stuart Kiefer

Inventor： Dan Skowronek ,  Sunil Dewan ,  Kevin Knowles ,  Stuart Kiefer

IPC: G06Q10/00

CPC classification number: G06Q30/02 ,  G06Q30/0226

Abstract: Embodiments of the present disclosure provide systems and methods for increasing participation in loyalty programs. In embodiments, the customer opts into a loyalty program. The customer is then provided with information about his or her loyalty participation and also is provided with information about one or more other customer's participation in the loyalty program. In another embodiment, one or more loyalty members can form their own competition or group within the loyalty program. The members can create loyalty sub-program rules for a competition and allow fellow loyalty members to participate in the competition. The customizable loyalty sub-program competitions further enhance member participation.

Abstract translation: 本公开的实施例提供了用于增加对忠诚度计划的参与的系统和方法。 在实施例中，客户选择加入忠诚度计划。 然后向客户提供关于他或她的忠诚度参与的信息，并且还提供关于一个或多个其他客户参与忠诚度计划的信息。 在另一个实施例中，一个或多个忠诚度成员可以在忠诚度计划内形成自己的竞争或组合。 会员可以为比赛制定忠诚度子计划规则，并允许忠诚会员参与比赛。 可定制的忠诚度子项目比赛进一步增强了会员参与度。

公开(公告)号：US07593527B2

公开(公告)日：2009-09-22

申请号：US11161556

申请日：2005-08-08

Applicant: Curtis Linn Beeson

Inventor： Curtis Linn Beeson

IPC: H04L9/00 ,  H04L9/30 ,  H04L9/32

CPC classification number: H04L9/3066 ,  H04L9/3252 ,  H04L2209/56

Abstract: A public key and digital signature is provided using a private key of a public-private key pair in an elliptic curve digital signature algorithm (ECDSA) by: identifying domain parameters of an elliptic curve for use in elliptic curve cryptography, the domain parameters including an initial generating point; transforming the generating point into a new generating point as a deterministic function; generating the public key as a deterministic function of the private key and the domain parameters, in which the new generating point is substituted for the initial generating point; and generating the digital signature as a function of the private key and the domain parameters, in which the new generating point is substituted for the initial generating point.

Abstract translation: 使用椭圆曲线数字签名算法（ECDSA）中的公私密钥对的私钥提供公开密钥和数字签名，通过：识别用于椭圆曲线密码术的椭圆曲线的域参数，域参数包括 初始生成点; 将生成点变换为新的生成点作为确定性函数; 生成公开密钥作为私钥和域参数的确定性函数，其中新生成点代替初始生成点; 以及生成作为私钥和域参数的函数的数字签名，其中新的生成点被替换为初始生成点。