Patent
System and method for categorizing, aggregating and analyzing payment transactions data
Yu Mason,Gregory Yu +1 more
TLDR
In this paper, post-processed payment transaction records of consumer and business payers are received into a multi-dimensional networked data mart from databases originating from a multitude of financial institutions and payment processors.Abstract:
Processed payment transaction records of consumer and business payers are received into a multi-dimensional networked data mart from databases originating from a multitude of financial institutions and payment processors. A post-processor linked to the data mart assigns all such transaction records with universal consumer and business expenditure categories used for payer financial management. Post-processed payment transaction records are indexed in the data mart by time, geography, and the universal consumer and business expenditure categories. Mathematical and analytical tools are applied to aggregated payment transaction records according to geographic, topographical, meteorological, chronological, demographic and other parameters. Endusers interact electronically with the data mart to view, create, synthesize and receive post-processed payment data for economic, investment, business, and marketing analysis.read more
Citations
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Patent
Method and system for notifying customers of transaction opportunities
TL;DR: In this article, a standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts, is presented.
Patent
System and process for performing purchase transactions using tokens
TL;DR: In this article, the authors propose a method and process by which an existing and large network of devices can be used by consumers to authenticate themselves, and permits each consumer to apply any of the various payments mechanisms available to him.
Patent
Check accepting and cash dispensing automated banking machine system and method
Thomas A. Vankirk,Jon E. Washington,Brian Jones,William D. Beskitt,Harry Thomas Graef,David A. Peters,Damon J. Blackford,Dale Blackson,Edward L. Laskowski,Songtao Ma,Tim Crews,Kenneth Turocy,Douglas T. Dominick,Jason J. Smolk,Brian E. Lucas,Bradley Lightner +15 more
TL;DR: In this paper, the ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks.
Patent
Systems, methods, and articles of manufacture for aligning service containers
TL;DR: In this paper, the authors present a process for aligning service containers in a system environment, which is consistent with certain aspects related to the present invention, such as receiving first event data from an application service container providing application services during runtime of a web service.
Patent
Method and apparatus for consumer interaction based on spend capacity
TL;DR: Share of Wallet (SoW) is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's spending capability, tradeline history including balance transfers, and balance information.
References
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Patent
Sales and marketing support system using a customer information database
TL;DR: In this article, a sales process support system and method for identifying sales targets using a centralized database to improve marketing success is presented, which includes a central database that receives comprehensive information from a variety of internal and external feeds, and standardizes and households the information in a three-level hierarchy (households, customers, and accounts).
Patent
Method and system for using intelligent agents for financial transactions, services, accounting, and advice
TL;DR: In this paper, the use of computerized intelligent agents to facilitate the integration of networked performance of financial transactions with computerized methods of financial accounting is discussed, where the agents automatically analyze the system information to provide users with financial advice.
Patent
Data processing technique for scoring bank customer relationships and awarding incentive rewards
Larry W. Shurling,Gregory R. Nimis,Granville S. Reagle,Darlene M. Motschenbacher,Wayne P. Hansen +4 more
TL;DR: A relationship scoring and incentive reward-awarding process determines a relationship score for the relationships between a bank and each of its customers as discussed by the authors. Such relationships may include deposit accounts, loan accounts, and customer referrals.
Patent
Method and apparatus for customer loyalty and marketing analysis
Earl Chang Wong,Gordon H. Miles +1 more
TL;DR: A customer frequency, analysis and reward system has multiple alternative components and allows for input of customer identification through use of a smart card, biometric input device, or a preexisitng identification, such as a credit card, government-issued id, or checking account.
Patent
Defining a uniform subject classification system incorporating document management/records retention functions
TL;DR: In this paper, an interlingual mechanism to achieve uniformity when classifying anything by subject using generic terminology in an especially oriented hierarchical structure is presented. But the system is limited to a single classification, which can be modified and appended as classification needs change.