WO2000046769A1 - Systeme et procede de surveillance d'un compte de credit - Google Patents

Systeme et procede de surveillance d'un compte de credit Download PDF

Info

Publication number
WO2000046769A1
WO2000046769A1 PCT/US2000/002707 US0002707W WO0046769A1 WO 2000046769 A1 WO2000046769 A1 WO 2000046769A1 US 0002707 W US0002707 W US 0002707W WO 0046769 A1 WO0046769 A1 WO 0046769A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
computer
implemented method
alerting
monitored parameter
Prior art date
Application number
PCT/US2000/002707
Other languages
English (en)
Inventor
Paul M. Toman
Steven M. Koehler
Original Assignee
Toman Paul M
Koehler Steven M
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Toman Paul M, Koehler Steven M filed Critical Toman Paul M
Priority to AU33559/00A priority Critical patent/AU3355900A/en
Publication of WO2000046769A1 publication Critical patent/WO2000046769A1/fr

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
    • G06Q20/403—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
    • 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
    • G06Q20/4037—Remote 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means

Definitions

  • the present invention relates to purchases of goods or services. More particularly, the present invention relates to a system and method for a user to monitor his credit account to detect misuse or fraud.
  • Credit can be established directly from a retail store or business, such as a department store, a phone company, or the like.
  • credit can be offered by a third party, such as MasterCard or VISA, thereby allowing purchases to be made by a customer from any person or entity that has established a transactional relationship with the third party.
  • the credit issuer establishes a credit account for each purchaser by providing the account number and authorization to charge the account, transactions are completed when the charge is posted to the purchaser's account. Commonly, periodic statements listing the activity on the account and requesting payment are provided to the customer.
  • the credit limit is intended to control the amount of credit that is extended to the customer and, in part, to prevent the accumulation of fraudulent transactions not made by the customer.
  • some credit issuers such as phone companies or other types of credit issuers, do not establish a credit limit, or one that is explicitly communicated to the customer when credit is established. Both types of accounts are particularly susceptible to fraud because charges are incurred on the customer's account without the customer's knowledge until he receives the next billing statement .
  • a credit limit will at least suspend further transactions once the limit has been reached. Nevertheless, significant fraud usually has already occurred.
  • Some credit issuers will monitor or process transactions for suspect fraudulent transactions. Whether an algorithm or a manual process is employed, these methods are generally labor intensive and involve calling the customer when suspect transactions are believed to have occurred. However, at best, these methods of monitoring only catch a limited amount of fraudulent transactions, where many go unnoticed until the customer reviews his statement.
  • An aspect of the present invention includes a system or a method of providing customers the ability to monitor their own credit accounts based on adjustable and/or selectable parameters in order to detect misuse or fraud.
  • a computer- implemented method includes obtaining one or more thresholds from a customer for one or more parameters associated with the customer's account; establishing a means by which the customer can be contacted or alerted when any one of the corresponding thresholds of the parameters has been reached or exceeded; monitoring account activity; and alerting the customer when any one of the monitoring parameters has reached or exceeded the corresponding thresholds.
  • FIG. 1 is a block diagram of an exemplary computer environment for practicing and implementing the present invention.
  • FIG. 2 is a pictorial representation of a customer account .
  • FIG. 3 is an exemplary method of operation of the present invention.
  • an aspect of the present invention includes a method of providing customers the ability to monitor their own credit accounts based on adjustable and/or selectable parameters in order to detect misuse or fraud.
  • a computer- implemented method includes obtaining one or more thresholds from a customer for one or more parameters associated with the customer's account; establishing a means by which the customer can be contacted or alerted when any one of the corresponding thresholds of the parameters has been reached or exceeded; monitoring account activity; and alerting the customer when any one of the monitored parameters has reached or exceeded the corresponding thresholds.
  • FIG. 1 and the related discussion provide a brief, general description of a suitable computing environment in which the invention may be implemented.
  • the present invention will be described, at least in part, in the general context of computer-executable instructions, such as program modules, being executed by a computer 30.
  • program modules include routine programs, objects, components, data structures, etc., which perform particular tasks or implement particular abstract data types . Tasks performed by the program modules are described below and with the aid of block diagrams and flowcharts. Those skilled in the art can implement the description, block diagrams and flowcharts to computer- executable instructions.
  • the invention may be practiced with other computer system configurations, including multi-processor systems, networked personal computers, mini-computers, main frame computers, and the like.
  • the invention may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network.
  • program modules and/or data may be located in both local and remote memory storage devices .
  • the computer 30 illustrated in FIG. 1 comprises a conventional computer having a central processing unit (CPU) 32, memory 34 and a system bus 36, which couples various system components, including the memory 34 to the CPU 32.
  • the system bus 36 may be any of several types of bus structures, including a memory bus or a memory controller, a peripheral bus, a network bus and a local bus using any of a variety of bus architectures .
  • the memory 34 includes read only memory (ROM) and random access memory (RAM) .
  • ROM read only memory
  • RAM random access memory
  • BIOS basic input/output
  • BIOS basic routine that helps to transfer information between elements within the computer 30, such as during start-up, is stored in ROM.
  • Storage devices 38 such as a hard disk, a floppy disk drive, an optical disk drive, etc., are coupled to the system bus 36 and are used for storage of program modules and data. It should be appreciated by those skilled in the art that other types of computer readable media that are accessible by a computer, such as magnetic cassettes, flash memory cards, CD-ROM, digital video disks, random access memories, read only memories, and the like, may also be used as storage devices. Commonly, programs are loaded into memory 34 from at least one of the storage devices 38 with or without accompanying data .
  • An input device 40 such as a keyboard, pointing device (mouse) , or the like, allows an operator to provide commands to the computer 30.
  • a monitor 42 or other type of output device is further connected to the system bus 36 via a suitable interface and provides feedback to the operator.
  • Computer 30 can communicate to other computers, or a network of computers (generally designated at 43), such as the Internet through a wired or wireless communications link, and an interface 44, such as a modem, network card, or the like.
  • computer 30 can organize, present and solicit information to and from a customer through a "Website" commonly used on the Internet. In such a situation, the computer 30 is identified as a server, while remote computers are identified as clients.
  • FIG. 2 pictorially illustrates a credit issuer 46 having a plurality of customer accounts 47.
  • Each customer account 47 can include personal information 45, such as name, mailing address, e-mail address, pager/telephone numbers, or other similar identifying, authenticating or contact information, for the customer.
  • Transactions 48 are posted or otherwise recorded against the account 47, for example, from vendors selling goods or services to the customer.
  • the credit account issuer 46 can be, for example, a department store that sells goods or services to the customer.
  • Other credit account issuers 46 include phone companies that provide phone service when the customer uses a calling card to gain access to long distance service and wherein individual transactions comprise long distance calls.
  • Other phone companies extend credit in a cellular system where the cellular phone user makes local or long distance calls.
  • Other credit account issuers 46 include third party financial institutions, such as MasterCard or VISA, that extend credit to allow a customer to make purchases at any business that has established a prior relationship with the third party institution.
  • a credit account issuer 46 also includes a bank or other financial institution that allows access to customer savings, checking accounts or credit lines, using debit cards, online banking or other transactional devices that include the customer's account number.
  • the credit account issuer 46 can include companies that provide online (e.g. Internet) or automated bill payment services and also companies that provide online and offline electronic currency.
  • user selectable and/or adjustable parameters 49 Associated with each customer's account 47 is user selectable and/or adjustable parameters 49 that can be used to monitor account activity. Examples of monitored activities include, but are not limited to, a threshold amount (e.g.
  • the customer account 47 illustrated in FIG. 2 is only a pictorial representation of information comprising the customer account 47.
  • the personal information 45, transactions 48 and monitoring parameters 49 are not stored in any of the storage devices 38, described above, as a single file. Rather, personal information 45, transactions 48 and monitoring parameters 49 may be stored separately as separate files on the same or different storage devices 38, wherein linked relationships are maintained in order to access specific data as desired, for example, based on the customer's account number.
  • FIG. 3 An exemplary method 50 of operation is illustrated in FIG. 3.
  • the customer provides the personal information 45 discussed above.
  • the customer selects the parameters and corresponding thresholds 20 that will be used to monitor his account 47.
  • the customer can also select, at that time, the communication means that will be used to alert the customer if and when any of the thresholds have been met or exceeded.
  • the personal information 45 will include the customer's address, the customer's phone number, the customer's electronic mail (e-mail) address (where text, audio and/or video messages are received), pager/telephone number, etc.
  • the customer's account is monitored for credit variances. When a credit variance occurs, the customer is alerted using one or more of the selected communication means at step 56.
  • different credit variances can invoke different communication means, if desired.
  • different thresholds can be set for each parameter, wherein when a given threshold is met or exceeded, a different communication means is used to alert the customer.
  • any other account activity that occurs for example, changing the address to which statements are sent, e-mail addresses, phone numbers, etc., can also trigger a notice to be sent to the customer over the selected communication means.
  • changes to the personal information as described above, is also a credit variance or an account alert. In this manner, attempts by a third party to circumvent the monitoring process by changing the personal information is also detected and reported.
  • the credit account issuer 46 can allow the change of personal information 45 to occur; however, notification is at least sent to the customer using the prior address, e-mail or phone number in addition to making the corresponding requested change .
  • notification is provided to the customer using the chosen communication means automatically without intervention from personnel of the credit account issuer 46.
  • the communication means can include an e-mail (text, audio and/or video) that is automatically generated and sent via a wide area wired or wireless network, such as the Internet, to the customer when a credit variance has occurred.
  • Other communication means include a computer- synthesized voice message that is composed and delivered via phone call by the credit account issuer 46.
  • a letter or facsimile transmittal can be prepared and sent or transmitted.
  • the credit variance is triggered according to the specific parameters and/or thresholds chosen by the customer and generally not by the credit account issuer 46, although current practices of the credit account issuer 46 to detect fraud can also be incorporated into the present invention.
  • the customer can be solicited for additional information to be used in adjusting monitor parameters and/or thresholds 49. For instance, when a transaction occurs that exceeds the customer's selected threshold monetary amount, the customer is alerted via e-mail that the transaction occurred and is provided with identifying information such as the amount and the vendor for the goods or services. At that time, the customer can elect to reply to the e-mail and inform the credit account issuer 46 (with suitable password or other identifying techniques, e.g., fingerprint, retinal scan, etc.) that further transactions to this vendor should go unreported or only when a vendor specific threshold has been exceeded or met. In this manner, repeated transactions to a particular vendor that would otherwise cause an alert to be sent can be excluded in order to reduce the number of alerts.
  • vendor specific thresholds can also be identified and set when the account 47 is first established with the credit account issuer 46.
  • alerts can be provided to other people besides the customer authorized to make transactions on the account that may have an interest in account activity.
  • a co-signer or other person legally responsible for debts incurred may want to be alerted in addition to the customer when any of the thresholds for the parameters have been met or exceeded.
  • Such a person can have thresholds that are different than those selected by the customer as well as other credit variances, which may or may not require customer notification.
  • a co-signer on an account may want to be alerted when other parameters related to the account have been changed, exceeded or met.
  • Such parameters include, but are not limited to, failure to make a minimum payment on an outstanding balance of the account, a change in the credit limit, when an average balance on the account for a selected period of time, such as a period of months, has exceeded a selected threshold, or when total interest accumulated so far has exceeded a selected threshold.
  • the customer can direct the credit account issuer 46 to close the account, suspend authorization for further transactions, or suspend payment on specific transactions, for example, payments made by online bill payment services to specific vendors.
  • the alert can include a Website location where the customer can obtain further information regarding the credit variance and/or provide instructions.
  • the customer can immediately instruct the credit account issuer 46 to stop further transactions by pressing a key, entering a selected key • sequence on the phone keypad, or providing a voice command.
  • the customer can reach personnel of the credit account issuer 46 immediately by using the keypad to obtain more information or take action on the credit variance.
  • the customer can, using the keypad, set the vendor specific thresholds. This information can be presented and gathered using known menu-operated, computer controlled phone interactive systems. The customer could also call directly, if desired.
  • Initial parameters and corresponding thresholds can be obtained from the customer using a variety of methods and means. For instance, if the account is established via a phone solicitation by the credit account issuer 46, parameters and thresholds can initially be obtained at that time. Likewise, if a written application is used by the credit account issuer 46, parameters and thresholds can also be obtained at the time of filling out and subsequently processing the written application.
  • One particularly attractive method for obtaining parameters and thresholds is to use a "Website" on the Internet. Generally, the customer accesses the Website using a conventional browser on his computer.
  • the initial application, as well as initial and updated parameters and thresholds can be provided to the credit issuer 47 using the Website. This technique minimizes the amount of labor needed by the credit account issuer 46 to obtain and maintain user preferences and thresholds. Suitable authentication using passwords or other identifying techniques is performed upon accessing the parameters for any customer's account to insure validity of the customer .

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système (30) et un procédé (50) permettant à des clients de surveiller leurs propres comptes (47) de crédit sur la base de paramètres qu'ils peuvent eux-mêmes ajuster et/ou choisir de manière à détecter toute utilisation abusive ou frauduleuse.
PCT/US2000/002707 1999-02-03 2000-02-02 Systeme et procede de surveillance d'un compte de credit WO2000046769A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU33559/00A AU3355900A (en) 1999-02-03 2000-02-02 System and method for monitoring a credit account

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US11832999P 1999-02-03 1999-02-03
US60/118,329 1999-02-03
US49573200A 2000-02-01 2000-02-01
US09/495,732 2000-02-01

Publications (1)

Publication Number Publication Date
WO2000046769A1 true WO2000046769A1 (fr) 2000-08-10

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PCT/US2000/002707 WO2000046769A1 (fr) 1999-02-03 2000-02-02 Systeme et procede de surveillance d'un compte de credit

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AU (1) AU3355900A (fr)
WO (1) WO2000046769A1 (fr)

Cited By (29)

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WO2002097564A2 (fr) * 2001-05-25 2002-12-05 Capital One Financial Corporation Procedes et systemes permettant de gerer des comptes financiers dotes de parametres ajustables
GB2379045A (en) * 2001-08-24 2003-02-26 Hewlett Packard Co Account controller
EP1485846A1 (fr) * 2002-03-05 2004-12-15 Visa U.S.A., Inc. Systeme de commande d'autorisation personnelle pour des transactions de carte
EP1843289A1 (fr) * 2006-04-03 2007-10-10 Citicorp Development Center, Inc. Procédé et système pour avertir les clients d'opportunités de transactions
WO2008086428A1 (fr) * 2007-01-09 2008-07-17 Visa U.S.A. Inc. Processus de paiement par téléphone mobile impliquant un indicateur de limite
US7747521B2 (en) 2006-02-22 2010-06-29 First American Corelogic, Inc. System and method for monitoring events associated with a person or property
US7835983B2 (en) * 2003-09-18 2010-11-16 Trans Union Llc Credit approval monitoring system and method
US8015037B2 (en) 2008-07-01 2011-09-06 Corelogic Information Solutions, Inc. System and method for tracking, monitoring and reporting extinguishment of a title insurance policy
US8224745B2 (en) 2006-06-13 2012-07-17 Corelogic Tax Services, Llc Automatic delinquency item processing with customization for lenders
US8346677B1 (en) 2000-12-29 2013-01-01 Citicorp Development Center, Inc. Method and system for conducting commerce over a wireless communication network
US8660955B2 (en) 2008-11-21 2014-02-25 Pscu Financial Services Method and apparatus for consumer driven protection for payment card transactions
US9418381B2 (en) 2000-04-14 2016-08-16 Citigroup Credit Services, Inc. (USA) Method and system for notifying customers of transaction opportunities
US9449327B2 (en) 2009-04-28 2016-09-20 Visa International Service Association Merchant alert based system and method including customer presence notification
US9542675B2 (en) 2009-04-28 2017-01-10 Visa International Service Association Alert architecture
US9710802B2 (en) 2009-04-28 2017-07-18 Visa International Service Association Merchant competition alert
US9749855B1 (en) 2000-01-13 2017-08-29 Citicorp Credit Services, Inc. (Usa) Method and system for conducting financial transaction and non-financial transactions using a wireless device
US9959531B2 (en) 2011-08-18 2018-05-01 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10121129B2 (en) 2011-07-05 2018-11-06 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US10154084B2 (en) 2011-07-05 2018-12-11 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US10223691B2 (en) 2011-02-22 2019-03-05 Visa International Service Association Universal electronic payment apparatuses, methods and systems
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US10262001B2 (en) 2012-02-02 2019-04-16 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia merchant analytics database platform apparatuses, methods and systems
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US11037138B2 (en) 2011-08-18 2021-06-15 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods, and systems
US11107069B2 (en) 2006-06-19 2021-08-31 Visa U.S.A. Inc. Transaction authentication using network
CN113743923A (zh) * 2021-09-08 2021-12-03 北京快来文化传播集团有限公司 基于电商平台的商家提现的方法
US11288661B2 (en) 2011-02-16 2022-03-29 Visa International Service Association Snap mobile payment apparatuses, methods and systems

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Cited By (65)

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Publication number Priority date Publication date Assignee Title
US9749855B1 (en) 2000-01-13 2017-08-29 Citicorp Credit Services, Inc. (Usa) Method and system for conducting financial transaction and non-financial transactions using a wireless device
US9418381B2 (en) 2000-04-14 2016-08-16 Citigroup Credit Services, Inc. (USA) Method and system for notifying customers of transaction opportunities
US8032453B2 (en) 2000-04-14 2011-10-04 Citicorp Development Center, Inc. Method and system for notifying customers of transaction opportunities
US8346677B1 (en) 2000-12-29 2013-01-01 Citicorp Development Center, Inc. Method and system for conducting commerce over a wireless communication network
WO2002097564A3 (fr) * 2001-05-25 2003-04-24 Capital One Financial Corp Procedes et systemes permettant de gerer des comptes financiers dotes de parametres ajustables
WO2002097564A2 (fr) * 2001-05-25 2002-12-05 Capital One Financial Corporation Procedes et systemes permettant de gerer des comptes financiers dotes de parametres ajustables
GB2379045A (en) * 2001-08-24 2003-02-26 Hewlett Packard Co Account controller
EP1485846A4 (fr) * 2002-03-05 2005-03-30 Visa Usa Inc Systeme de commande d'autorisation personnelle pour des transactions de carte
US20080228648A1 (en) * 2002-03-05 2008-09-18 Lynn Kemper System for personal authorization control for card transactions
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US8793189B2 (en) 2002-03-05 2014-07-29 Visa U.S.A. Inc. System for personal authorization control for card transactions
US9685024B2 (en) 2002-03-05 2017-06-20 Visa U.S.A. Inc. System for personal authorization control for card transactions
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EP2287793A1 (fr) * 2002-03-05 2011-02-23 VISA U.S.A. Inc. Système de commande d'autorisation personnelle pour des transactions de carte
US10540659B2 (en) 2002-03-05 2020-01-21 Visa U.S.A. Inc. System for personal authorization control for card transactions
US7389275B2 (en) 2002-03-05 2008-06-17 Visa U.S.A. Inc. System for personal authorization control for card transactions
EP1485846A1 (fr) * 2002-03-05 2004-12-15 Visa U.S.A., Inc. Systeme de commande d'autorisation personnelle pour des transactions de carte
US7835983B2 (en) * 2003-09-18 2010-11-16 Trans Union Llc Credit approval monitoring system and method
US7747521B2 (en) 2006-02-22 2010-06-29 First American Corelogic, Inc. System and method for monitoring events associated with a person or property
US7835986B2 (en) 2006-02-22 2010-11-16 Corelogic Information Solutions, Inc. System and method for monitoring events associated with a person or property
EP1843289A1 (fr) * 2006-04-03 2007-10-10 Citicorp Development Center, Inc. Procédé et système pour avertir les clients d'opportunités de transactions
US8224745B2 (en) 2006-06-13 2012-07-17 Corelogic Tax Services, Llc Automatic delinquency item processing with customization for lenders
US11107069B2 (en) 2006-06-19 2021-08-31 Visa U.S.A. Inc. Transaction authentication using network
US10057085B2 (en) 2007-01-09 2018-08-21 Visa U.S.A. Inc. Contactless transaction
WO2008086428A1 (fr) * 2007-01-09 2008-07-17 Visa U.S.A. Inc. Processus de paiement par téléphone mobile impliquant un indicateur de limite
US8989712B2 (en) 2007-01-09 2015-03-24 Visa U.S.A. Inc. Mobile phone payment process including threshold indicator
US8923827B2 (en) 2007-01-09 2014-12-30 Visa U.S.A. Inc. Mobile payment management
US10387868B2 (en) 2007-01-09 2019-08-20 Visa U.S.A. Inc. Mobile payment management
US11195166B2 (en) 2007-01-09 2021-12-07 Visa U.S.A. Inc. Mobile payment management
AU2008204838B2 (en) * 2007-01-09 2012-11-01 Visa U.S.A. Inc. Mobile phone payment process including threshold indicator
US8015037B2 (en) 2008-07-01 2011-09-06 Corelogic Information Solutions, Inc. System and method for tracking, monitoring and reporting extinguishment of a title insurance policy
US8548831B2 (en) 2008-07-01 2013-10-01 Corelogic Solutions, Llc System and method for tracking, monitoring and reporting extinguishment of a title insurance policy
US8725601B2 (en) 2008-11-21 2014-05-13 Pscu Financial Services Method and apparatus for consumer driven protection for payment card transactions
US8660955B2 (en) 2008-11-21 2014-02-25 Pscu Financial Services Method and apparatus for consumer driven protection for payment card transactions
US9710802B2 (en) 2009-04-28 2017-07-18 Visa International Service Association Merchant competition alert
US9542675B2 (en) 2009-04-28 2017-01-10 Visa International Service Association Alert architecture
US10748149B2 (en) 2009-04-28 2020-08-18 Visa International Service Association Alert architecture
US9449327B2 (en) 2009-04-28 2016-09-20 Visa International Service Association Merchant alert based system and method including customer presence notification
US10380571B2 (en) 2009-04-28 2019-08-13 Visa International Service Association Merchant alert based system and method including customer presence notification
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