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    System and method for dynamically managing a financial account
    4.
    发明授权
    System and method for dynamically managing a financial account 失效
    动态管理财务账户的系统和方法

    公开(公告)号：US08626642B2

    公开(公告)日：2014-01-07

    申请号：US10646150

    申请日：2003-08-22

    Applicant: Sheldon H. Foss, Jr. ,  Dennis H. James, Jr.

    Inventor： Sheldon H. Foss, Jr. ,  Dennis H. James, Jr.

    IPC: G06Q40/00

    CPC classification number: G06Q40/02 ,  G06Q40/00 ,  G06Q40/12

    Abstract: The invention is directed towards dynamically managing a financial account based on risk modules, aggregated data, and individual behavior, wherein the risk modules are calculated using current and real-time data used in conjunction with prospective as well as current customer data. The risk of loss associated with operating financial accounts is reduced because the parameters under which the financial accounts operate is adjusted based on the aggregated data and the analysis provided from the risk models. This allows additional customers to be obtained but optimizes the risk of loss for the financial institution.

    Abstract translation: 本发明旨在基于风险模块，聚合数据和个体行为来动态管理金融账户，其中使用与预期以及当前客户数据结合使用的当前和实时数据来计算风险模块。 与经营性金融账户相关的损失风险降低，因为根据汇总数据和风险模型提供的分析，调整了财务账目运作的参数。 这样可以获得额外的客户，但优化了金融机构的损失风险。

    Real-time point-of-sale change-of-address processing
    5.
    发明授权
    Real-time point-of-sale change-of-address processing 有权
    实时销售点地址处理更改

    公开(公告)号：US07469224B2

    公开(公告)日：2008-12-23

    申请号：US10837164

    申请日：2004-04-30

    Applicant: Sheldon H. Foss, Jr.

    Inventor： Sheldon H. Foss, Jr.

    IPC: G06Q40/00

    CPC classification number: G06F21/31 ,  G06F2221/2107 ,  G06F2221/2117 ,  G06Q10/00 ,  G06Q10/087 ,  G06Q10/10 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q40/00 ,  G07C9/00142 ,  G07F7/10 ,  G07F7/1008 ,  Y10S707/99933 ,  Y10S707/99943

    Abstract: The present invention provides the ability to solicit and obtain updated information about a customer or person. The present invention can be incorporated into a service provision system and thus, request updated information from a customer attempting to access the service. In operation, when the customer requests a service, the customer either provides or is requested to provide sufficient information to identify the customer. The system then extracts a customer profile based on the identity of the customer. Portions or all of the customer profile is then presented to the customer to verify for correctness. If the information is incorrect, the customer can provide updated information immediately to the system. The system can force the customer to either update the information or affirmatively indicate the information is correct before providing the service.

    Abstract translation: 本发明提供征求和获得有关客户或个人的更新信息的能力。 本发明可以并入到服务提供系统中，并且因此从尝试访问服务的客户请求更新的信息。 在操作中，当客户请求服务时，客户提供或被要求提供足够的信息来识别客户。 系统然后根据客户的身份提取客户资料。 然后将部分或所有客户资料呈现给客户以验证正确性。 如果信息不正确，客户可以立即向系统提供更新信息。 在提供服务之前，系统可以强制客户更新信息或肯定地指示信息正确。

    On-us cash withdrawal at a point-of-sale
    7.
    发明授权
    On-us cash withdrawal at a point-of-sale 有权
    销售点上的现金提款

    公开(公告)号：US07676415B2

    公开(公告)日：2010-03-09

    申请号：US11982922

    申请日：2007-11-06

    Applicant: Sheldon H. Foss, Jr. ,  Dwight Harris ,  Krishnamoorthy Srinvasan

    Inventor： Sheldon H. Foss, Jr. ,  Dwight Harris ,  Krishnamoorthy Srinvasan

    IPC: G06Q40/00

    CPC classification number: G06Q20/40 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/227 ,  G06Q20/26 ,  G06Q20/342 ,  G06Q40/00 ,  G07F7/025 ,  G07F19/203 ,  G07G1/12

    Abstract: Various embodiments of systems, methods, computer programs, merchant terminals, etc. for providing an on-us cash withdrawal service at a point-of-sale are provided. One embodiment comprises a method for providing a cash withdrawal service at a point-of-sale. One such method comprises: issuing an association-branded financial card to a cardholder, the association-branded financial card comprising an association account number corresponding to a credit card association and a proprietary account number corresponding to an issuer of the association-branded financial card; at a merchant terminal, reading the proprietary account number from the association-branded financial card and receiving a cash withdrawal amount; providing the proprietary account number and the cash withdrawal amount to a switch associated with the issuer; at the switch, determining the association account number based on the proprietary account number; and authorizing the cash withdrawal amount by submitting an authorization request to a issuing host, the authorization request including the association account number and the cash withdrawal amount.

    Abstract translation: 提供了用于在销售点提供在线现金提取服务的系统，方法，计算机程序，商业终端等的各种实施例。 一个实施例包括用于在销售点提供现金提取服务的方法。 一种这样的方法包括：向持卡人发行关联品牌的金融卡，该关联品牌的金融卡包括对应于信用卡协会的关联帐号和与该关联品牌的金融卡的发行者对应的专有帐号; 在商户终端，从联想品牌的金融卡读取专有账号，并接收现金提款金额; 向与发行人相关的交换机提供专有账号和现金提取金额; 在交换机上，基于专有帐号确定关联帐号; 通过向发行主体提交授权请求来授权提款金额，授权请求包括关联账号和现金提取金额。

    REAL-TIME POINT-OF-SALE CHANGE-OF-ADDRESS PROCESSING
    8.
    发明申请
    REAL-TIME POINT-OF-SALE CHANGE-OF-ADDRESS PROCESSING 审中-公开
    实时销售点更改地址处理

    公开(公告)号：US20090094124A1

    公开(公告)日：2009-04-09

    申请号：US12272863

    申请日：2008-11-18

    Applicant: SHELDON H. FOSS, JR.

    Inventor： SHELDON H. FOSS, JR.

    IPC: G06Q99/00 ,  G06F17/30

    CPC classification number: G06Q40/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/342 ,  G06Q20/385 ,  G06Q20/403 ,  G07F7/025

    Abstract: The present invention provides the ability to solicit and obtain updated information about a customer or person. The present invention can be incorporated into a service provision system and thus, request updated information from a customer attempting to access the service. In operation, when the customer requests a service, the customer either provides or is requested to provide sufficient information to identify the customer. The system then extracts a customer profile based on the identity of the customer. Portions or all of the customer profile is then presented to the customer to verify for correctness. If the information is incorrect, the customer can provide updated information immediately to the system. The system can force the customer to either update the information or affirmatively indicate the information is correct before providing the service.

    Abstract translation: 本发明提供征求和获得有关客户或个人的更新信息的能力。 本发明可以并入到服务提供系统中，并且因此从尝试访问服务的客户请求更新的信息。 在操作中，当客户请求服务时，客户提供或被要求提供足够的信息来识别客户。 系统然后根据客户的身份提取客户资料。 然后将部分或所有客户资料呈现给客户以验证正确性。 如果信息不正确，客户可以立即向系统提供更新信息。 在提供服务之前，系统可以强制客户更新信息或肯定地指示信息正确。

    Stored value card account transfer system
    9.
    发明授权
    Stored value card account transfer system 失效
    存储卡账户转帐系统

    公开(公告)号：US07325725B2

    公开(公告)日：2008-02-05

    申请号：US11050301

    申请日：2005-02-03

    Applicant: Sheldon H. Foss, Jr.

    Inventor： Sheldon H. Foss, Jr.

    IPC: G06K5/00

    CPC classification number: G07C9/00142 ,  G06F21/31 ,  G06F2221/2107 ,  G06F2221/2117 ,  G06Q20/105 ,  G06Q20/347 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/10 ,  G07F7/1008 ,  G07F7/1025 ,  G07F7/1075

    Abstract: Systems, methods, computer programs, merchant terminals, etc. for transferring finds between stored value card accounts are provided. One embodiment comprises a method for loading a stored value card. One such method comprises: identifying a first stored value card account associated with a first customer; receiving a selection from the first customer of a second stored value card account associated with a second customer and a load amount for transferring to the second stored value card account; and initiating a funds transfer of the load amount from the first stored value card account to the second stored value card account.

    Abstract translation: 提供了用于在存储值卡账户之间发送的系统，方法，计算机程序，商业终端等。 一个实施例包括用于加载储值卡的方法。 一种这样的方法包括：识别与第一客户相关联的第一储值卡账户; 从第一客户接收与第二客户相关联的第二储值卡账户的选择和用于转移到第二储值卡账户的负载金额; 以及启动从第一储值卡账户到第二储值卡账户的负载金额的资金转移。

    On-us cash withdrawal at a point-of-sale
    10.
    发明授权
    On-us cash withdrawal at a point-of-sale 有权

    公开(公告)号：US07676395B2

    公开(公告)日：2010-03-09

    申请号：US11139772

    申请日：2005-05-27

    Applicant: Sheldon H. Foss, Jr. ,  Dwight Harris ,  Krishnamoorthy Srinvasan

    Inventor： Sheldon H. Foss, Jr. ,  Dwight Harris ,  Krishnamoorthy Srinvasan

    IPC: G06Q20/00

    CPC classification number: G06Q20/40 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/227 ,  G06Q20/26 ,  G06Q20/342 ,  G06Q40/00 ,  G07F7/025 ,  G07F19/203 ,  G07G1/12

    Abstract: Various embodiments of systems, methods, computer programs, merchant terminals, etc. for providing an on-us cash withdrawal service at a point-of-sale are provided. One embodiment comprises a method for providing a cash withdrawal service at a point-of-sale. One such method comprises: issuing an association-branded financial card to a cardholder, the association-branded financial card comprising an association account number corresponding to a credit card association and a proprietary account number corresponding to an issuer of the association-branded financial card; at a merchant terminal, reading the proprietary account number from the association-branded financial card and receiving a cash withdrawal amount; providing the proprietary account number and the cash withdrawal amount to a switch associated with the issuer; at the switch, determining the association account number based on the proprietary account number; and authorizing the cash withdrawal amount by submitting an authorization request to a issuing host, the authorization request including the association account number and the cash withdrawal amount.

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