BRPI0519879A2 - método implementado por computador, e, meio de armazenamemto legìvel por computador - Google Patents
método implementado por computador, e, meio de armazenamemto legìvel por computadorInfo
- Publication number
- BRPI0519879A2 BRPI0519879A2 BRPI0519879-8A BRPI0519879A BRPI0519879A2 BR PI0519879 A2 BRPI0519879 A2 BR PI0519879A2 BR PI0519879 A BRPI0519879 A BR PI0519879A BR PI0519879 A2 BRPI0519879 A2 BR PI0519879A2
- Authority
- BR
- Brazil
- Prior art keywords
- computer
- transactions
- denied
- card
- limits
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
MéTODO IMPLEMENTADO POR COMPUTADOR, E, MEIO DE ARMAZENAMENTO LEGìVEL POR COMPUTADOR. A invenção facilita a computação de taxas de aprovação esperadas com base nos dados de transação históricos relativos a classes de transação, transações aprovadas e transações negadas. A invenção provê um sistema e método pelos quais um administrador de programa de uma companhia pode modelar, variando cenários de limite imposto ao cliente de modo a determinar um ou mais limites de dispêndio mensal e/ou transacional. Adicionalmente, a presente invenção provê um meio para estabelecer limites de dispêndio mensalmente variáveis e/ou transacionais para aquisições de qualquer número de indústrias. A provisão de membros de cartões com informação relativa a limites de despesas ótimo, reduz as ocorrências de transações de crédito negadas. Um administrador de programa pode utilizar também a presente invenção para prover qualquer número de cenários de limites, de modo a convencer um membro do cartão aumentar seu limite de crédito imposto ao cliente para um nível ótimo, reduzindo, desse modo, a inconveniência ao membro de cartão causada pelas transações de compra negadas, enquanto recaptura lucros perdidos pelo emissor do cartão.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10/906,210 US7143936B2 (en) | 2005-02-09 | 2005-02-09 | System and method for calculating expected approval rates |
PCT/US2005/005069 WO2006085885A1 (en) | 2005-02-09 | 2005-02-17 | System and method for calculating expected approval rates |
Publications (1)
Publication Number | Publication Date |
---|---|
BRPI0519879A2 true BRPI0519879A2 (pt) | 2009-08-11 |
Family
ID=36781056
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
BRPI0519879-8A BRPI0519879A2 (pt) | 2005-02-09 | 2005-02-17 | método implementado por computador, e, meio de armazenamemto legìvel por computador |
Country Status (4)
Country | Link |
---|---|
US (2) | US7143936B2 (pt) |
KR (1) | KR101179287B1 (pt) |
BR (1) | BRPI0519879A2 (pt) |
WO (1) | WO2006085885A1 (pt) |
Families Citing this family (22)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7805376B2 (en) | 2002-06-14 | 2010-09-28 | American Express Travel Related Services Company, Inc. | Methods and apparatus for facilitating a transaction |
US6901387B2 (en) | 2001-12-07 | 2005-05-31 | General Electric Capital Financial | Electronic purchasing method and apparatus for performing the same |
US20090177563A1 (en) * | 2001-12-07 | 2009-07-09 | American Express Travel Related Services Company, Inc. | Authorization refresh system and method |
US7143936B2 (en) * | 2005-02-09 | 2006-12-05 | American Express Travel Related Services Company, Inc. | System and method for calculating expected approval rates |
US20080154757A1 (en) * | 2006-12-26 | 2008-06-26 | Motorola, Inc. | Method to compete for credit card business at the point of sale |
AU2008240140A1 (en) | 2007-04-12 | 2008-10-23 | Visa U.S.A. Inc. | Merchant performance rating for payments on account |
US20090018923A1 (en) * | 2007-07-13 | 2009-01-15 | Yen-Fu Chen | Method and apparatus for recommending a payment method in a transaction |
US20090018955A1 (en) * | 2007-07-13 | 2009-01-15 | Yen-Fu Chen | Method and apparatus for providing user access to payment methods |
US20090099965A1 (en) * | 2007-08-21 | 2009-04-16 | Grant Iv Francis C | Prepaid expense card management platform |
US8326660B2 (en) * | 2008-01-07 | 2012-12-04 | International Business Machines Corporation | Automated derivation of response time service level objectives |
US8719164B2 (en) * | 2008-06-19 | 2014-05-06 | Bill Me Later, Inc. | Method and system for engaging in a transaction between a business entity and a merchant |
US20100145856A1 (en) * | 2008-12-08 | 2010-06-10 | Laima Kardokas | Automated merchant performance rating for payments on account |
US9297705B2 (en) | 2009-05-06 | 2016-03-29 | Asm America, Inc. | Smart temperature measuring device |
US20140244503A1 (en) * | 2013-02-27 | 2014-08-28 | Mastercard International Incorporated | System and method for automatic thresholding for payment card spend control |
US10643276B1 (en) * | 2013-03-15 | 2020-05-05 | Capital One Services, Llc | Systems and computer-implemented processes for model-based underwriting |
CN104951446A (zh) * | 2014-03-25 | 2015-09-30 | 阿里巴巴集团控股有限公司 | 大数据处理方法及平台 |
US20180227735A1 (en) * | 2014-08-25 | 2018-08-09 | Phyziio, Inc. | Proximity-Based Attribution of Rewards |
US11030616B2 (en) * | 2017-02-23 | 2021-06-08 | International Business Machines Corporation | Cognitive mobile wallet management |
KR20180098069A (ko) * | 2017-02-24 | 2018-09-03 | 삼성전자주식회사 | 대리 결제 시스템, 서버 및 서버의 제어 방법 |
US20200279322A1 (en) * | 2018-10-17 | 2020-09-03 | Divvy Pay Inc. | Dynamic Credit Allocating System |
EP4367613A1 (en) * | 2021-07-29 | 2024-05-15 | Reloquest, Inc. | System and method for accommodations approval |
US11935067B2 (en) * | 2021-11-30 | 2024-03-19 | Capital One Services, Llc | Systems and methods for dynamically funding transactions |
Family Cites Families (23)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5903830A (en) * | 1996-08-08 | 1999-05-11 | Joao; Raymond Anthony | Transaction security apparatus and method |
US7039603B2 (en) * | 1996-09-04 | 2006-05-02 | Walker Digital, Llc | Settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network |
US5914472A (en) * | 1997-09-23 | 1999-06-22 | At&T Corp | Credit card spending authorization control system |
US6125349A (en) * | 1997-10-01 | 2000-09-26 | At&T Corp. | Method and apparatus using digital credentials and other electronic certificates for electronic transactions |
US6405173B1 (en) * | 1998-03-05 | 2002-06-11 | American Management Systems, Inc. | Decision management system providing qualitative account/customer assessment via point in time simulation |
US6422462B1 (en) * | 1998-03-30 | 2002-07-23 | Morris E. Cohen | Apparatus and methods for improved credit cards and credit card transactions |
US20020198806A1 (en) * | 1998-04-24 | 2002-12-26 | First Data Corporation | Systems and methods for accessing and modifying usage parameters associated with a financial transaction account |
US6343279B1 (en) * | 1998-08-26 | 2002-01-29 | American Management Systems, Inc. | System integrating credit card transactions into a financial management system |
US6173269B1 (en) * | 1998-12-16 | 2001-01-09 | Zowi.Com, Inc | Method and apparatus for executing electronic commercial transactions with minors |
US6314457B1 (en) * | 1999-04-21 | 2001-11-06 | Airclic, Inc. | Method for managing printed medium activated revenue sharing domain name system schemas |
US20020010522A1 (en) * | 2000-02-15 | 2002-01-24 | Martin J. David | Method and apparatus for home design and building |
US6988082B1 (en) * | 2000-06-13 | 2006-01-17 | Fannie Mae | Computerized systems and methods for facilitating the flow of capital through the housing finance industry |
US6839692B2 (en) * | 2000-12-01 | 2005-01-04 | Benedor Corporation | Method and apparatus to provide secure purchase transactions over a computer network |
US20020143647A1 (en) * | 2001-03-30 | 2002-10-03 | Intertainer, Inc. | Subscriber management system |
US7103573B2 (en) * | 2001-04-02 | 2006-09-05 | Privilegeone Networks, Llc | User rewards program and associated communications system |
WO2002101512A2 (en) * | 2001-06-12 | 2002-12-19 | Paytronix Systems, Inc. | Customer identification, loyalty and merchant payment gateway system |
US20030139990A1 (en) * | 2002-01-22 | 2003-07-24 | Big Finance And Insurance Services, Inc. | Method, apparatus and system for control and assessment of risk in commercial transactions |
US20030229582A1 (en) * | 2002-01-22 | 2003-12-11 | Sanford Sherman | Method, apparatus and system for providing notifications in commercial transactions |
US7630932B2 (en) * | 2002-01-31 | 2009-12-08 | Transunion Interactive, Inc. | Loan rate and lending information analysis system |
US7444304B2 (en) * | 2002-03-04 | 2008-10-28 | First Data Corporation | Credit card transaction tracking systems and methods |
US20030187778A1 (en) * | 2002-03-27 | 2003-10-02 | First Data Corporation | Merchant application and underwriting systems and methods |
US20030195859A1 (en) * | 2002-04-16 | 2003-10-16 | Lawrence Jason E. | System and methods for authenticating and monitoring transactions |
US7143936B2 (en) * | 2005-02-09 | 2006-12-05 | American Express Travel Related Services Company, Inc. | System and method for calculating expected approval rates |
-
2005
- 2005-02-09 US US10/906,210 patent/US7143936B2/en not_active Expired - Fee Related
- 2005-02-17 WO PCT/US2005/005069 patent/WO2006085885A1/en active Application Filing
- 2005-02-17 BR BRPI0519879-8A patent/BRPI0519879A2/pt not_active IP Right Cessation
- 2005-02-17 KR KR1020077018284A patent/KR101179287B1/ko not_active IP Right Cessation
-
2006
- 2006-10-23 US US11/552,059 patent/US7309008B2/en not_active Expired - Fee Related
Also Published As
Publication number | Publication date |
---|---|
KR101179287B1 (ko) | 2012-09-05 |
US20060178984A1 (en) | 2006-08-10 |
US7309008B2 (en) | 2007-12-18 |
US20070040020A1 (en) | 2007-02-22 |
US7143936B2 (en) | 2006-12-05 |
KR20070105991A (ko) | 2007-10-31 |
WO2006085885A1 (en) | 2006-08-17 |
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Legal Events
Date | Code | Title | Description |
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B06G | Technical and formal requirements: other requirements [chapter 6.7 patent gazette] |
Free format text: SOLICITA-SE A REGULARIZACAO DA PROCURACAO, UMA VEZ QUE BASEADO NO ARTIGO 216 1O DA LPI, O DOCUMENTO DE PROCURACAO DEVE SER APRESENTADO EM SUA FORMA AUTENTICADA; OU SEGUNDO PARECER DA PROCURADORIA NO 074/93, DEVE CONSTAR UMA DECLARACAO DE VERACIDADE, A QUAL DEVE SER ASSINADA POR UMA PESSOA DEVIDAMENTE AUTORIZADA A REPRESENTAR O INTERESSADO, DEVENDO A MESMA CONSTAR NO INSTRUMENTO DE PROCURACAO, OU NO SEU SUBSTABELECIMENTO. |
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B08F | Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette] |
Free format text: REFERENTE A 10A ANUIDADE. |
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B08K | Patent lapsed as no evidence of payment of the annual fee has been furnished to inpi [chapter 8.11 patent gazette] |
Free format text: REFERENTE AO DESPACHO 8.6 PUBLICADO NA RPI 2308 DE 31/03/2015. |