WO2015184006A1 - Récupération de transaction, mise en correspondance de transaction et génération d'alerte - Google Patents

Récupération de transaction, mise en correspondance de transaction et génération d'alerte Download PDF

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Publication number
WO2015184006A1
WO2015184006A1 PCT/US2015/032742 US2015032742W WO2015184006A1 WO 2015184006 A1 WO2015184006 A1 WO 2015184006A1 US 2015032742 W US2015032742 W US 2015032742W WO 2015184006 A1 WO2015184006 A1 WO 2015184006A1
Authority
WO
WIPO (PCT)
Prior art keywords
chargeback
transaction
records
merchant
data values
Prior art date
Application number
PCT/US2015/032742
Other languages
English (en)
Inventor
Eric Nordyke
Beau HALE
Corey BAGGETT
Original Assignee
183 Media Inc.
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
Priority claimed from US14/292,513 external-priority patent/US20150348036A1/en
Priority claimed from US14/292,496 external-priority patent/US20150348208A1/en
Priority claimed from US14/292,471 external-priority patent/US9600845B2/en
Application filed by 183 Media Inc. filed Critical 183 Media Inc.
Publication of WO2015184006A1 publication Critical patent/WO2015184006A1/fr

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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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the one or more chargeback filters may be selected from a group consisting of a transaction date, a credit card number, a credit card type, a merchant identifier,
  • alerts are maintained for one or more merchants.
  • Each alert has one or more conditions relating to one or more chargebacks.
  • the one or more chargebacks represent a return of funds to one or more purchasers for a purchase from the one or more merchants.
  • a determination is made as to whether the one or more conditions are satisfied, and an alert is sent to the one or more merchants based on the determination.
  • At least one of the conditions may be satisfied when a chargeback amount is a predetermined percentage greater than a transaction dollar amount during a predetermined period of time.
  • FIGs. 4A, 4B, and 4C illustrate different user interfaces directed to different match scenarios, in accordance with some example implementations
  • transaction/chargeback amounts for example.
  • the user may select the "confirm” option for transaction record 419 and select the “delete” option for transaction records 413, 415, and 417.
  • transaction server 135 may be unable to propose any transaction records as possible matches. This situation may arise if, for example, none of the transaction records from merchant server 123 possesses the required number of matching data values as described above. Transaction server 135 may display user interface 430 of FIG. 4C to indicate that no matching transaction records are found for chargeback record 431.
  • representation package may be printed and sent through the postal service or a courier. After the bank 105 or merchant processor 150 has reviewed the representation package, it may render a decision regarding the chargeback. This decision may indicate whether merchant 120 is required to refund the chargeback/transaction amount to customer 140. If, for example, bank 105 or merchant processor 150 decides in favor of merchant 120 (i.e., the merchant prevails or wins), then the merchant may not have to refund the chargeback/transaction amount to customer 140. If, however, bank 105 or merchant processor 150 decides in favor of customer 140 (i.e., the merchant loses), then the merchant may be required to refund the chargeback/transaction amount to the customer.
  • Transaction server 135 may update the downloaded chargeback record in database 137 to indicate whether the chargeback was successfully contested. In some implementations, transaction server 135 may also update the transaction records in merchant server 123 with the decision. In some implementations, merchant 120 may log onto transaction server 135 to view the decision.
  • FIG. 6A illustrates two exemplary graphical reports 600 and 605 for a particular merchant.
  • Graphical reports 600 and 605 may illustrate a distribution of chargebacks for Visa® and MasterCard® accounts, respectively.
  • the horizontal axis in both reports may represent a particular day of the month.
  • the vertical axis in both reports may represent a cumulative chargeback count. For example, on day 10 there may be 100 Visa® chargebacks and 100 MasterCard® chargebacks.
  • reports 600 and 605 may also forecast the number of expected chargebacks. For example, reports 600 and 605 may forecast that there may be approximately 175 Visa® chargebacks and 175 MasterCard® chargebacks, respectively, by day 30.
  • Graphical report 620 may include a chargeback ratio 655 (e.g., calculated by dividing the value in column 645 by the value in column 650) as described above with respect to FIG. 6B.
  • Graphical report 620 may also include a chargeback dollar ratio 660 which describes a relationship between the amount of money in disputed chargebacks and the total amount of money generated from sales orders. For example, if merchant 120 has $1,000 in sales during a particular period of time and has $100 in chargebacks during the same period of time, then the merchant's chargeback dollar ratio is 10%.
  • the total amount of money generated from sales orders may also be displayed in graphical report 620.
  • FIG. 10 illustrates a process 1000 for sending an alert to a merchant.
  • One or more aspects or features of the subject matter described herein may be realized in digital electronic circuitry, integrated circuitry, specially designed application specific integrated circuits (ASICs), field programmable gate arrays (FPGAs) computer hardware, firmware, software, and/or combinations thereof.
  • ASICs application specific integrated circuits
  • FPGAs field programmable gate arrays
  • These various aspects or features may include implementation in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, coupled to receive data and instructions from, and to transmit data and instructions to, a storage system, at least one input device, and at least one output device.
  • the programmable system or computing system may include clients and servers.
  • a client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Development Economics (AREA)
  • Information Transfer Between Computers (AREA)

Abstract

La présente invention concerne des procédés pour exécuter un script afin de récupérer des enregistrements de rétro-facturation, pour mettre en correspondance des enregistrements de rétro-facturation avec des enregistrements de transaction et pour générer des alertes. Selon un aspect de l'invention, le procédé peut exécuter un script pour récupérer, d'un ou de plusieurs portails web d'une ou de plusieurs institutions financières, un ou plusieurs enregistrements de rétro-facturation pour un ou plusieurs marchands. Le ou les enregistrements de rétro-facturation peuvent représenter un retour de fonds vers un ou plusieurs acheteurs par la ou les institutions financières. Le script peut comprendre des instructions qui peuvent faire naviguer un navigateur web vers un portail web associé à au moins une institution financière. Ces instructions peuvent également fournir des informations d'authentification pour le ou les marchands dans le portail web, accéder à l'enregistrement ou aux enregistrements de rétro-facturation pour le ou les marchands, et télécharger le ou les enregistrements de rétro-facturation.
PCT/US2015/032742 2014-05-30 2015-05-27 Récupération de transaction, mise en correspondance de transaction et génération d'alerte WO2015184006A1 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US14/292,496 2014-05-30
US14/292,513 2014-05-30
US14/292,513 US20150348036A1 (en) 2014-05-30 2014-05-30 Alert generation
US14/292,496 US20150348208A1 (en) 2014-05-30 2014-05-30 Transaction matching
US14/292,471 US9600845B2 (en) 2014-05-30 2014-05-30 Transaction retrieval
US14/292,471 2014-05-30

Publications (1)

Publication Number Publication Date
WO2015184006A1 true WO2015184006A1 (fr) 2015-12-03

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2015/032742 WO2015184006A1 (fr) 2014-05-30 2015-05-27 Récupération de transaction, mise en correspondance de transaction et génération d'alerte

Country Status (1)

Country Link
WO (1) WO2015184006A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108346093A (zh) * 2018-01-19 2018-07-31 维沃移动通信有限公司 一种收支记录查询方法及装置
US20210158368A1 (en) * 2019-11-25 2021-05-27 Midigator, Llc Method and system for generating responses to transaction disputes associated with a merchant
US11580259B1 (en) 2017-09-28 2023-02-14 Csidentity Corporation Identity security architecture systems and methods
US11941635B1 (en) 2014-10-31 2024-03-26 Experian Information Solutions, Inc. System and architecture for electronic fraud detection

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050144122A1 (en) * 2003-12-31 2005-06-30 Creveling Lorrie A. System for reducing disputes of credit transactions
US20120089436A1 (en) * 2010-04-12 2012-04-12 First Data Corporation Mapping analytics system for activity growth
US20130253956A1 (en) * 2011-09-22 2013-09-26 Robert Lyne Towne Chargeback insurance

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050144122A1 (en) * 2003-12-31 2005-06-30 Creveling Lorrie A. System for reducing disputes of credit transactions
US20120089436A1 (en) * 2010-04-12 2012-04-12 First Data Corporation Mapping analytics system for activity growth
US20130253956A1 (en) * 2011-09-22 2013-09-26 Robert Lyne Towne Chargeback insurance

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11941635B1 (en) 2014-10-31 2024-03-26 Experian Information Solutions, Inc. System and architecture for electronic fraud detection
US11580259B1 (en) 2017-09-28 2023-02-14 Csidentity Corporation Identity security architecture systems and methods
CN108346093A (zh) * 2018-01-19 2018-07-31 维沃移动通信有限公司 一种收支记录查询方法及装置
US20210158368A1 (en) * 2019-11-25 2021-05-27 Midigator, Llc Method and system for generating responses to transaction disputes associated with a merchant

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