[go: up one dir, main page]

DE69832068D1 - Verfahren und apparat zum generieren von kenngrössen - Google Patents

Verfahren und apparat zum generieren von kenngrössen

Info

Publication number
DE69832068D1
DE69832068D1 DE69832068T DE69832068T DE69832068D1 DE 69832068 D1 DE69832068 D1 DE 69832068D1 DE 69832068 T DE69832068 T DE 69832068T DE 69832068 T DE69832068 T DE 69832068T DE 69832068 D1 DE69832068 D1 DE 69832068D1
Authority
DE
Germany
Prior art keywords
generating characteristics
generating
Prior art date
Legal status (The legal status 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 status listed.)
Expired - Lifetime
Application number
DE69832068T
Other languages
English (en)
Other versions
DE69832068T2 (de
Inventor
P Siegel
L Faith
P Washburne
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Visa International Service Association
Original Assignee
Visa International Service Association
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 Visa International Service Association filed Critical Visa International Service Association
Publication of DE69832068D1 publication Critical patent/DE69832068D1/de
Application granted granted Critical
Publication of DE69832068T2 publication Critical patent/DE69832068T2/de
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • 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
    • 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
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/401—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
    • 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
    • G06Q40/03—Credit; Loans; Processing thereof
    • 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
    • G06Q40/08—Insurance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)
DE69832068T 1997-05-27 1998-05-26 Verfahren und apparat zum generieren von kenngrössen Expired - Lifetime DE69832068T2 (de)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US863443 1997-05-27
US08/863,443 US6018723A (en) 1997-05-27 1997-05-27 Method and apparatus for pattern generation
PCT/US1998/010634 WO1998054677A1 (en) 1997-05-27 1998-05-26 Method and apparatus for pattern generation

Publications (2)

Publication Number Publication Date
DE69832068D1 true DE69832068D1 (de) 2005-12-01
DE69832068T2 DE69832068T2 (de) 2006-07-13

Family

ID=25341108

Family Applications (1)

Application Number Title Priority Date Filing Date
DE69832068T Expired - Lifetime DE69832068T2 (de) 1997-05-27 1998-05-26 Verfahren und apparat zum generieren von kenngrössen

Country Status (6)

Country Link
US (2) US6018723A (de)
EP (1) EP0986797B1 (de)
AU (1) AU755760B2 (de)
CA (1) CA2291090C (de)
DE (1) DE69832068T2 (de)
WO (1) WO1998054677A1 (de)

Families Citing this family (160)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7403922B1 (en) * 1997-07-28 2008-07-22 Cybersource Corporation Method and apparatus for evaluating fraud risk in an electronic commerce transaction
US6016963A (en) * 1998-01-23 2000-01-25 Mondex International Limited Integrated circuit card with means for performing risk management
US6532449B1 (en) * 1998-09-14 2003-03-11 Ben Goertzel Method of numerical times series prediction based on non-numerical time series
US6567791B2 (en) * 1998-11-03 2003-05-20 Nextcard, Inc. Method and apparatus for a verifiable on line rejection of an application for credit
US8010422B1 (en) 1998-11-03 2011-08-30 Nextcard, Llc On-line balance transfers
US20050004864A1 (en) * 2000-06-15 2005-01-06 Nextcard Inc. Implementing a counter offer for an on line credit card application
US6405181B2 (en) * 1998-11-03 2002-06-11 Nextcard, Inc. Method and apparatus for real time on line credit approval
US7050999B1 (en) * 1999-04-22 2006-05-23 Resona Holdings, Inc. System for computing probability distribution of loan losses
US6904409B1 (en) * 1999-06-01 2005-06-07 Lucent Technologies Inc. Method for constructing an updateable database of subject behavior patterns
EP1903495A1 (de) * 1999-06-01 2008-03-26 Lucent Technologies Inc. Verfahren zur Herstellung einer aktualisierbaren Datenbank für Personenverhaltensmuster
US7140039B1 (en) 1999-06-08 2006-11-21 The Trustees Of Columbia University In The City Of New York Identification of an attacker in an electronic system
US7013296B1 (en) 1999-06-08 2006-03-14 The Trustees Of Columbia University In The City Of New York Using electronic security value units to control access to a resource
US7272855B1 (en) * 1999-06-08 2007-09-18 The Trustees Of Columbia University In The City Of New York Unified monitoring and detection of intrusion attacks in an electronic system
US8266025B1 (en) 1999-08-09 2012-09-11 Citibank, N.A. System and method for assuring the integrity of data used to evaluate financial risk or exposure
ATE279760T1 (de) * 1999-09-02 2004-10-15 Gzs Ges Fuer Zahlungssysteme M Expertensystem
US6601014B1 (en) * 1999-11-30 2003-07-29 Cerebrus Solutions Ltd. Dynamic deviation
US6873979B2 (en) * 2000-02-29 2005-03-29 Marketswitch Corporation Method of building predictive models on transactional data
US6917940B1 (en) * 2000-03-10 2005-07-12 Hewlett-Packard Development Company, L.P. Olap-based customer behavior profiling method and system
JP2003529160A (ja) * 2000-03-24 2003-09-30 アクセス ビジネス グループ インターナショナル リミテッド ライアビリティ カンパニー 不正取引を検出するシステム及び方法
US6556979B1 (en) * 2000-06-19 2003-04-29 International Business Machines Corporation Method and system for identifying consumer credit revolvers with neural network time series segmentation
EP1296260A1 (de) * 2000-06-27 2003-03-26 KBMJ Inc. System zur bereitstellung von informationen
US7376618B1 (en) * 2000-06-30 2008-05-20 Fair Isaac Corporation Detecting and measuring risk with predictive models using content mining
US20050091151A1 (en) * 2000-08-23 2005-04-28 Ronald Coleman System and method for assuring the integrity of data used to evaluate financial risk or exposure
US7702522B1 (en) * 2000-09-01 2010-04-20 Sholem Steven L Method and apparatus for tracking the relative value of medical services
IL146597A0 (en) * 2001-11-20 2002-08-14 Gordon Goren Method and system for creating meaningful summaries from interrelated sets of information
US7113932B2 (en) * 2001-02-07 2006-09-26 Mci, Llc Artificial intelligence trending system
US7957999B2 (en) * 2001-02-13 2011-06-07 American Express Travel Related Services Company, Inc. Electronic acquisition system and method
CA2354372A1 (en) 2001-02-23 2002-08-23 Efunds Corporation Electronic payment and authentication system with debit and identification data verification and electronic check capabilities
US20100057622A1 (en) * 2001-02-27 2010-03-04 Faith Patrick L Distributed Quantum Encrypted Pattern Generation And Scoring
US7809650B2 (en) * 2003-07-01 2010-10-05 Visa U.S.A. Inc. Method and system for providing risk information in connection with transaction processing
US6783065B2 (en) * 2001-03-12 2004-08-31 First Data Corporation Purchasing card transaction risk model
US7899722B1 (en) 2001-03-20 2011-03-01 Goldman Sachs & Co. Correspondent bank registry
US8121937B2 (en) 2001-03-20 2012-02-21 Goldman Sachs & Co. Gaming industry risk management clearinghouse
US8069105B2 (en) * 2001-03-20 2011-11-29 Goldman Sachs & Co. Hedge fund risk management
US20110131136A1 (en) * 2001-03-20 2011-06-02 David Lawrence Risk Management Customer Registry
US8209246B2 (en) * 2001-03-20 2012-06-26 Goldman, Sachs & Co. Proprietary risk management clearinghouse
US7958027B2 (en) * 2001-03-20 2011-06-07 Goldman, Sachs & Co. Systems and methods for managing risk associated with a geo-political area
US20040143446A1 (en) * 2001-03-20 2004-07-22 David Lawrence Long term care risk management clearinghouse
US20030233319A1 (en) * 2001-03-20 2003-12-18 David Lawrence Electronic fund transfer participant risk management clearing
US20040193532A1 (en) * 2001-03-20 2004-09-30 David Lawrence Insider trading risk management
US8285615B2 (en) 2001-03-20 2012-10-09 Goldman, Sachs & Co. Construction industry risk management clearinghouse
US7904361B2 (en) * 2001-03-20 2011-03-08 Goldman Sachs & Co. Risk management customer registry
US20020138417A1 (en) * 2001-03-20 2002-09-26 David Lawrence Risk management clearinghouse
US20030225687A1 (en) * 2001-03-20 2003-12-04 David Lawrence Travel related risk management clearinghouse
US20040006532A1 (en) * 2001-03-20 2004-01-08 David Lawrence Network access risk management
US7548883B2 (en) * 2001-03-20 2009-06-16 Goldman Sachs & Co Construction industry risk management clearinghouse
US8140415B2 (en) * 2001-03-20 2012-03-20 Goldman Sachs & Co. Automated global risk management
US20020143562A1 (en) * 2001-04-02 2002-10-03 David Lawrence Automated legal action risk management
US9691072B2 (en) * 2001-09-17 2017-06-27 Genworth Holdings, Inc. Method and system for generating electronic forms for purchasing financial products
US6975996B2 (en) * 2001-10-09 2005-12-13 Goldman, Sachs & Co. Electronic subpoena service
US20030177087A1 (en) * 2001-11-28 2003-09-18 David Lawrence Transaction surveillance
US7415471B1 (en) 2001-11-30 2008-08-19 Midland Loan Services, Inc. Methods and systems for automated data collection and analysis for use in association with asset securitization
US7937305B1 (en) 2001-12-28 2011-05-03 The Pnc Financial Services Group, Inc. Methods and systems for analyzing the status of an entity and its financial transactions
US7729963B1 (en) 2001-12-28 2010-06-01 The Pnc Financial Services Group, Inc. Methods and systems for processing and communicating financial transaction data
US7716165B2 (en) * 2002-02-12 2010-05-11 Mantas, Inc. Analysis of third party networks
US7302413B1 (en) 2002-03-06 2007-11-27 Reserve Management Corporation Systems and methods for providing loan management from cash or deferred income arrangements
US7398245B1 (en) 2002-03-06 2008-07-08 Reserve Solutions, Inc. Systems and methods for providing loan management from cash or deferred income arrangements
US20040010458A1 (en) * 2002-07-10 2004-01-15 First Data Corporation Methods and systems for organizing information from multiple sources
WO2004047082A2 (en) 2002-11-14 2004-06-03 Goldman, Sachs & Co. Independent research consensus earnings estimates and methods of determining such
US7937302B1 (en) * 2002-11-20 2011-05-03 The Pnc Financial Services Group, Inc. Methods and systems for monitoring, analyzing and reporting information in association with collateralized financial instruments
US9307884B1 (en) 2003-01-27 2016-04-12 The Pnc Financial Services Group, Inc. Visual asset structuring tool
WO2004091170A2 (en) * 2003-03-31 2004-10-21 Visa U.S.A. Inc. Method and system for secure authentication
US20040225610A1 (en) * 2003-05-06 2004-11-11 Newsom Michael L. Method and system for performing preference analysis
US20050125346A1 (en) * 2003-12-04 2005-06-09 Winiecki Kurt A. Method and system for calculating and presenting bankruptcy preference payment defenses
US20050222929A1 (en) * 2004-04-06 2005-10-06 Pricewaterhousecoopers Llp Systems and methods for investigation of financial reporting information
US20050222928A1 (en) * 2004-04-06 2005-10-06 Pricewaterhousecoopers Llp Systems and methods for investigation of financial reporting information
US7752120B2 (en) * 2004-06-14 2010-07-06 Accenture Global Services Gmbh Auction insurance system
US7752119B2 (en) * 2004-06-14 2010-07-06 Accenture Global Services Gmbh Auction result prediction
US8082207B2 (en) * 2004-06-17 2011-12-20 Certegy Check Services, Inc. Scored negative file system and method
US8442953B2 (en) 2004-07-02 2013-05-14 Goldman, Sachs & Co. Method, system, apparatus, program code and means for determining a redundancy of information
US8996481B2 (en) * 2004-07-02 2015-03-31 Goldman, Sach & Co. Method, system, apparatus, program code and means for identifying and extracting information
US8510300B2 (en) 2004-07-02 2013-08-13 Goldman, Sachs & Co. Systems and methods for managing information associated with legal, compliance and regulatory risk
US8762191B2 (en) * 2004-07-02 2014-06-24 Goldman, Sachs & Co. Systems, methods, apparatus, and schema for storing, managing and retrieving information
US7904306B2 (en) 2004-09-01 2011-03-08 Search America, Inc. Method and apparatus for assessing credit for healthcare patients
EP1805710A4 (de) * 2004-10-04 2009-07-22 Standard Chartered Ct Plc System und verfahren für geldinstitutportale
US20060178982A1 (en) * 2005-02-08 2006-08-10 International Business Machines Corporation Method and system for executing data analytics on a varying number of records within a RDBMS using SQL
US20060224480A1 (en) * 2005-03-29 2006-10-05 Reserve Solutions, Inc. Systems and methods for loan management with variable security arrangements
EP1904965A4 (de) * 2005-06-24 2009-06-17 Fair Isaac Corp Analytische erkennung von massenbetrug / einer verdächtigen akzeptanzstelle und portfolioverwaltungssystem für verdächtige karten
EP1913514A4 (de) * 2005-07-15 2013-09-25 Serve Virtual Entpr Inc System und verfahren zum unmittelbaren ausgeben von transaktionskarten
WO2007042062A1 (en) * 2005-10-12 2007-04-19 First Data Corporation System and method for authorizing electronic payment transactions
US8788376B2 (en) 2005-12-07 2014-07-22 III Holdings l, LLC System, method and computer program product for an acquisition partner interface for integrating multiple partner channels into a transaction account issuer platform
US7711636B2 (en) 2006-03-10 2010-05-04 Experian Information Solutions, Inc. Systems and methods for analyzing data
EP2074572A4 (de) 2006-08-17 2011-02-23 Experian Inf Solutions Inc System und verfahren zur bereitstellung einer bewertung für ein gebrauchtes fahrzeug
US11887175B2 (en) 2006-08-31 2024-01-30 Cpl Assets, Llc Automatically determining a personalized set of programs or products including an interactive graphical user interface
US8799148B2 (en) * 2006-08-31 2014-08-05 Rohan K. K. Chandran Systems and methods of ranking a plurality of credit card offers
US8036979B1 (en) 2006-10-05 2011-10-11 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US7783565B1 (en) * 2006-11-08 2010-08-24 Fannie Mae Method and system for assessing repurchase risk
US7742982B2 (en) * 2007-04-12 2010-06-22 Experian Marketing Solutions, Inc. Systems and methods for determining thin-file records and determining thin-file risk levels
WO2008147918A2 (en) * 2007-05-25 2008-12-04 Experian Information Solutions, Inc. System and method for automated detection of never-pay data sets
US8626649B1 (en) 2007-08-21 2014-01-07 Access Control Advantage, Inc. Systems and methods for providing loan management from cash or deferred income arrangements
US8301574B2 (en) * 2007-09-17 2012-10-30 Experian Marketing Solutions, Inc. Multimedia engagement study
US9690820B1 (en) 2007-09-27 2017-06-27 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US20090089190A1 (en) * 2007-09-27 2009-04-02 Girulat Jr Rollin M Systems and methods for monitoring financial activities of consumers
US9208485B2 (en) 2008-03-24 2015-12-08 American Express Travel Related Services Company, Inc. System and method for facilitating online transactions
WO2009135042A2 (en) * 2008-05-02 2009-11-05 Visa Usa Inc. Recovery of transaction information
US7991689B1 (en) 2008-07-23 2011-08-02 Experian Information Solutions, Inc. Systems and methods for detecting bust out fraud using credit data
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US8412593B1 (en) 2008-10-07 2013-04-02 LowerMyBills.com, Inc. Credit card matching
WO2010083454A2 (en) * 2009-01-15 2010-07-22 Visa U.S.A. Inc. Incentives associated with linked financial accounts
US20100274653A1 (en) * 2009-04-28 2010-10-28 Ayman Hammad Notification social networking
AU2010246085A1 (en) 2009-05-04 2011-12-01 Visa International Service Association Determining targeted incentives based on consumer transaction history
US20100306029A1 (en) * 2009-06-01 2010-12-02 Ryan Jolley Cardholder Clusters
US20100332292A1 (en) 2009-06-30 2010-12-30 Experian Information Solutions, Inc. System and method for evaluating vehicle purchase loyalty
US8364518B1 (en) 2009-07-08 2013-01-29 Experian Ltd. Systems and methods for forecasting household economics
US9841282B2 (en) 2009-07-27 2017-12-12 Visa U.S.A. Inc. Successive offer communications with an offer recipient
US8266031B2 (en) * 2009-07-29 2012-09-11 Visa U.S.A. Systems and methods to provide benefits of account features to account holders
US20110047072A1 (en) * 2009-08-07 2011-02-24 Visa U.S.A. Inc. Systems and Methods for Propensity Analysis and Validation
US8620798B2 (en) * 2009-09-11 2013-12-31 Visa International Service Association System and method using predicted consumer behavior to reduce use of transaction risk analysis and transaction denials
US9342835B2 (en) * 2009-10-09 2016-05-17 Visa U.S.A Systems and methods to deliver targeted advertisements to audience
US20110087546A1 (en) * 2009-10-09 2011-04-14 Visa U.S.A. Inc. Systems and Methods for Anticipatory Advertisement Delivery
US20110093335A1 (en) * 2009-10-19 2011-04-21 Visa U.S.A. Inc. Systems and Methods for Advertising Services Based on an SKU-Level Profile
US20110093324A1 (en) 2009-10-19 2011-04-21 Visa U.S.A. Inc. Systems and Methods to Provide Intelligent Analytics to Cardholders and Merchants
US20110125565A1 (en) * 2009-11-24 2011-05-26 Visa U.S.A. Inc. Systems and Methods for Multi-Channel Offer Redemption
US8244686B2 (en) * 2009-12-04 2012-08-14 International Business Machines Corporation High throughput, reliable replication of transformed data in information systems
US20110231305A1 (en) * 2010-03-19 2011-09-22 Visa U.S.A. Inc. Systems and Methods to Identify Spending Patterns
US8639567B2 (en) * 2010-03-19 2014-01-28 Visa U.S.A. Inc. Systems and methods to identify differences in spending patterns
US20110231225A1 (en) * 2010-03-19 2011-09-22 Visa U.S.A. Inc. Systems and Methods to Identify Customers Based on Spending Patterns
US9652802B1 (en) 2010-03-24 2017-05-16 Consumerinfo.Com, Inc. Indirect monitoring and reporting of a user's credit data
US9846872B2 (en) 2010-04-06 2017-12-19 American Express Travel Related Services Company, Inc. Secure exchange of indicia of value and associated information
US9471926B2 (en) 2010-04-23 2016-10-18 Visa U.S.A. Inc. Systems and methods to provide offers to travelers
US8725613B1 (en) 2010-04-27 2014-05-13 Experian Information Solutions, Inc. Systems and methods for early account score and notification
US8781896B2 (en) 2010-06-29 2014-07-15 Visa International Service Association Systems and methods to optimize media presentations
US8554653B2 (en) 2010-07-22 2013-10-08 Visa International Service Association Systems and methods to identify payment accounts having business spending activities
US9760905B2 (en) 2010-08-02 2017-09-12 Visa International Service Association Systems and methods to optimize media presentations using a camera
US9152727B1 (en) 2010-08-23 2015-10-06 Experian Marketing Solutions, Inc. Systems and methods for processing consumer information for targeted marketing applications
US8930262B1 (en) 2010-11-02 2015-01-06 Experian Technology Ltd. Systems and methods of assisted strategy design
US9147042B1 (en) 2010-11-22 2015-09-29 Experian Information Solutions, Inc. Systems and methods for data verification
US10007915B2 (en) * 2011-01-24 2018-06-26 Visa International Service Association Systems and methods to facilitate loyalty reward transactions
US8458069B2 (en) * 2011-03-04 2013-06-04 Brighterion, Inc. Systems and methods for adaptive identification of sources of fraud
US9558519B1 (en) 2011-04-29 2017-01-31 Consumerinfo.Com, Inc. Exposing reporting cycle information
US9483606B1 (en) 2011-07-08 2016-11-01 Consumerinfo.Com, Inc. Lifescore
US9355110B1 (en) 2011-07-14 2016-05-31 Google Inc. Dynamic presentation of data items based on prioritized associations
US10223707B2 (en) 2011-08-19 2019-03-05 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US8838982B2 (en) 2011-09-21 2014-09-16 Visa International Service Association Systems and methods to secure user identification
US10290018B2 (en) 2011-11-09 2019-05-14 Visa International Service Association Systems and methods to communicate with users via social networking sites
US10489815B1 (en) * 2012-01-18 2019-11-26 Google Llc Individual use code for multiple users in a loyalty program
US10096043B2 (en) 2012-01-23 2018-10-09 Visa International Service Association Systems and methods to formulate offers via mobile devices and transaction data
US9853959B1 (en) 2012-05-07 2017-12-26 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US20140156233A1 (en) * 2012-12-03 2014-06-05 Can Wang Method and apparatus for electronic circuit simulation
US10255598B1 (en) 2012-12-06 2019-04-09 Consumerinfo.Com, Inc. Credit card account data extraction
US10360627B2 (en) 2012-12-13 2019-07-23 Visa International Service Association Systems and methods to provide account features via web based user interfaces
US9697263B1 (en) 2013-03-04 2017-07-04 Experian Information Solutions, Inc. Consumer data request fulfillment system
US20140258053A1 (en) * 2013-03-07 2014-09-11 Sap Ag System and method for accounting of financial instruments
US8706557B1 (en) 2013-05-08 2014-04-22 Visa International Service Association Systems and methods to identify merchants
US10102536B1 (en) 2013-11-15 2018-10-16 Experian Information Solutions, Inc. Micro-geographic aggregation system
US9576030B1 (en) 2014-05-07 2017-02-21 Consumerinfo.Com, Inc. Keeping up with the joneses
US10650398B2 (en) 2014-06-16 2020-05-12 Visa International Service Association Communication systems and methods to transmit data among a plurality of computing systems in processing benefit redemption
US10438226B2 (en) 2014-07-23 2019-10-08 Visa International Service Association Systems and methods of using a communication network to coordinate processing among a plurality of separate computing systems
US10032231B2 (en) * 2014-10-23 2018-07-24 Mastercard International Incorporated Inferred matching of payment card accounts by matching to common mobile device via time and location data analysis
US10242019B1 (en) 2014-12-19 2019-03-26 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection
US10672000B1 (en) 2015-03-18 2020-06-02 Access Control Advantage, Inc. Bypass system
US10757154B1 (en) 2015-11-24 2020-08-25 Experian Information Solutions, Inc. Real-time event-based notification system
US12125039B2 (en) 2016-03-25 2024-10-22 State Farm Mutual Automobile Insurance Company Reducing false positives using customer data and machine learning
US20220122071A1 (en) 2016-03-25 2022-04-21 State Farm Mutual Automobile Insurance Company Identifying fraudulent instruments and identification
US10210345B2 (en) 2016-08-04 2019-02-19 Bank Of America Corporation Intelligent credential selection system
US20180060954A1 (en) 2016-08-24 2018-03-01 Experian Information Solutions, Inc. Sensors and system for detection of device movement and authentication of device user based on messaging service data from service provider
CA3050139A1 (en) 2017-01-31 2018-08-09 Experian Information Solutions, Inc. Massive scale heterogeneous data ingestion and user resolution
US10735183B1 (en) 2017-06-30 2020-08-04 Experian Information Solutions, Inc. Symmetric encryption for private smart contracts among multiple parties in a private peer-to-peer network
US11620403B2 (en) 2019-01-11 2023-04-04 Experian Information Solutions, Inc. Systems and methods for secure data aggregation and computation
US11729276B2 (en) * 2020-11-10 2023-08-15 Paypal, Inc. Rapid online variable sourcing infrastructure (ROVS) for decision systems

Family Cites Families (61)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE2257200A1 (de) 1972-11-22 1974-06-20 Norddeutsche Teilzahlungsbank Verfahren zum berechnen des kreditrisikos
US4460604A (en) * 1976-06-03 1984-07-17 The Upjohn Company 4-Amino-4-aryl-cyclohexanones
US4326259A (en) * 1980-03-27 1982-04-20 Nestor Associates Self organizing general pattern class separator and identifier
US4376978A (en) * 1980-07-29 1983-03-15 Merrill Lynch Pierce, Fenner & Smith Securities brokerage-cash management system
US4346442A (en) * 1980-07-29 1982-08-24 Merrill Lynch, Pierce, Fenner & Smith Incorporated Securities brokerage-cash management system
US4597046A (en) * 1980-10-22 1986-06-24 Merrill Lynch, Pierce Fenner & Smith Securities brokerage-cash management system obviating float costs by anticipatory liquidation of short term assets
US4774663A (en) * 1980-07-29 1988-09-27 Merrill Lynch, Pierce, Fenner & Smith Incorporated Securities brokerage-cash management system with short term investment proceeds allotted among multiple accounts
JPS59153261A (ja) * 1983-02-18 1984-09-01 Omron Tateisi Electronics Co 取引処理装置
US4718009A (en) * 1984-02-27 1988-01-05 Default Proof Credit Card System, Inc. Default proof credit card method system
US5025138A (en) * 1984-02-27 1991-06-18 Vincent Cuervo Method and system for providing verifiable line of credit information
US4727243A (en) * 1984-10-24 1988-02-23 Telenet Communications Corporation Financial transaction system
US4868866A (en) * 1984-12-28 1989-09-19 Mcgraw-Hill Inc. Broadcast data distribution system
US4736294A (en) * 1985-01-11 1988-04-05 The Royal Bank Of Canada Data processing methods and apparatus for managing vehicle financing
US4760604A (en) 1985-02-15 1988-07-26 Nestor, Inc. Parallel, multi-unit, adaptive, nonlinear pattern class separator and identifier
US4812628A (en) * 1985-05-02 1989-03-14 Visa International Service Association Transaction system with off-line risk assessment
US4734564A (en) * 1985-05-02 1988-03-29 Visa International Service Association Transaction system with off-line risk assessment
US4774664A (en) * 1985-07-01 1988-09-27 Chrysler First Information Technologies Inc. Financial data processing system and method
US4953085A (en) * 1987-04-15 1990-08-28 Proprietary Financial Products, Inc. System for the operation of a financial account
US5210687A (en) * 1987-04-16 1993-05-11 L & C Family Partnership Business transaction and investment growth monitoring data processing system
US4989141A (en) * 1987-06-01 1991-01-29 Corporate Class Software Computer system for financial analyses and reporting
US5038284A (en) * 1988-02-17 1991-08-06 Kramer Robert M Method and apparatus relating to conducting trading transactions with portable trading stations
JPH0219963A (ja) * 1988-07-08 1990-01-23 Hitachi Ltd 実時間状況監視方法及びシステム
DK0440515T3 (da) * 1990-01-30 1995-10-30 Visa Int Service Ass Internationalt autorisationssystem
US5262941A (en) * 1990-03-30 1993-11-16 Itt Corporation Expert credit recommendation method and system
EP0468229A3 (en) * 1990-07-27 1994-01-26 Hnc Inc A neural network with expert system functionality
AU8517991A (en) * 1990-08-31 1992-03-30 Seer Technologies, Inc. Transaction processor
US5325298A (en) * 1990-11-07 1994-06-28 Hnc, Inc. Methods for generating or revising context vectors for a plurality of word stems
US5177342A (en) * 1990-11-09 1993-01-05 Visa International Service Association Transaction approval system
US5231570A (en) * 1990-12-11 1993-07-27 Lee Gerritt S K Credit verification system
US5274547A (en) * 1991-01-03 1993-12-28 Credco Of Washington, Inc. System for generating and transmitting credit reports
US5323315A (en) * 1991-08-02 1994-06-21 Vintek, Inc. Computer system for monitoring the status of individual items of personal property which serve as collateral for securing financing
US5239462A (en) * 1992-02-25 1993-08-24 Creative Solutions Groups, Inc. Method and apparatus for automatically determining the approval status of a potential borrower
US5446885A (en) * 1992-05-15 1995-08-29 International Business Machines Corporation Event driven management information system with rule-based applications structure stored in a relational database
JPH05342191A (ja) * 1992-06-08 1993-12-24 Mitsubishi Electric Corp 経済時系列データ予測及び解析システム
US5819226A (en) * 1992-09-08 1998-10-06 Hnc Software Inc. Fraud detection using predictive modeling
US5361201A (en) * 1992-10-19 1994-11-01 Hnc, Inc. Real estate appraisal using predictive modeling
US5479573A (en) * 1992-11-24 1995-12-26 Pavilion Technologies, Inc. Predictive network with learned preprocessing parameters
CA2086269A1 (en) * 1992-12-24 1994-06-25 Michael Willis Credit risk assessment system
AU6398994A (en) * 1993-03-09 1994-09-26 C*Ats Software Inc. An object-oriented system for creating, structuring, manipulating and evaluating a financial instrument
US5940811A (en) * 1993-08-27 1999-08-17 Affinity Technology Group, Inc. Closed loop financial transaction method and apparatus
GB9323489D0 (en) * 1993-11-08 1994-01-05 Ncr Int Inc Self-service business system
US5457305A (en) * 1994-03-31 1995-10-10 Akel; William S. Distributed on-line money access card transaction processing system
US5577169A (en) * 1994-04-29 1996-11-19 International Business Machines Corporation Fuzzy logic entity behavior profiler
US5619621A (en) * 1994-07-15 1997-04-08 Storage Technology Corporation Diagnostic expert system for hierarchically decomposed knowledge domains
US5797133A (en) * 1994-08-31 1998-08-18 Strategic Solutions Group, Inc Method for automatically determining the approval status of a potential borrower
US5627886A (en) * 1994-09-22 1997-05-06 Electronic Data Systems Corporation System and method for detecting fraudulent network usage patterns using real-time network monitoring
US5717923A (en) * 1994-11-03 1998-02-10 Intel Corporation Method and apparatus for dynamically customizing electronic information to individual end users
US5679938A (en) * 1994-12-02 1997-10-21 Telecheck International, Inc. Methods and systems for interactive check authorizations
US5732400A (en) * 1995-01-04 1998-03-24 Citibank N.A. System and method for a risk-based purchase of goods
US5696907A (en) * 1995-02-27 1997-12-09 General Electric Company System and method for performing risk and credit analysis of financial service applications
WO1996030850A1 (en) * 1995-03-30 1996-10-03 Hogan Systems, Inc. Method of and system for determining and assessing credit risks
US5649116A (en) * 1995-03-30 1997-07-15 Servantis Systems, Inc. Integrated decision management system
US5754737A (en) * 1995-06-07 1998-05-19 Microsoft Corporation System for supporting interactive text correction and user guidance features
US5819236A (en) * 1995-06-12 1998-10-06 Carreker-Antinori, Inc. System and method for providing advance notification of potential presentment returns due to account restrictions
AU6279896A (en) * 1995-06-15 1997-01-15 Fraudetect, L.L.C. Process and apparatus for detecting fraud
US5884289A (en) * 1995-06-16 1999-03-16 Card Alert Services, Inc. Debit card fraud detection and control system
US5719918A (en) * 1995-07-06 1998-02-17 Newnet, Inc. Short message transaction handling system
US6088686A (en) * 1995-12-12 2000-07-11 Citibank, N.A. System and method to performing on-line credit reviews and approvals
US5815638A (en) * 1996-03-01 1998-09-29 Client/Server Connection, Ltd. Project estimator
US6253186B1 (en) * 1996-08-14 2001-06-26 Blue Cross Blue Shield Of South Carolina Method and apparatus for detecting fraud
US6182060B1 (en) * 1997-04-15 2001-01-30 Robert Hedgcock Method and apparatus for storing, retrieving, and processing multi-dimensional customer-oriented data sets

Also Published As

Publication number Publication date
EP0986797B1 (de) 2005-10-26
US6018723A (en) 2000-01-25
CA2291090A1 (en) 1998-12-03
WO1998054677A1 (en) 1998-12-03
US6598030B1 (en) 2003-07-22
AU7596098A (en) 1998-12-30
CA2291090C (en) 2008-01-22
EP0986797A1 (de) 2000-03-22
AU755760B2 (en) 2002-12-19
DE69832068T2 (de) 2006-07-13

Similar Documents

Publication Publication Date Title
DE69832068D1 (de) Verfahren und apparat zum generieren von kenngrössen
DE69831306D1 (de) Apparat und Verfahren zum Aufzeichnen
DE69829901D1 (de) Verfahren und Vorrichtung zum Komplettieren von Mehrfach-Bohrungen
DE69830210D1 (de) Verfahren und Vorrichtung zum Komplettieren von Mehrfach-Bohrungen
DE69837734D1 (de) Apparat und Verfahren zum Benachrichtigen
DE69835178D1 (de) Verfahren und Vorrichtung zum Komplettieren von Mehrfach-Bohrungen
DE69802019D1 (de) Vorrichtung und Verfahren zum Einbrennen
DE69701808D1 (de) Verfahren und apparat zum entschwefeln von brenngas
DE69416997D1 (de) Verfahren und Apparat zum Mischen von Gasen
DE69830681D1 (de) Verfahren und Vorrichtung zum Schmelzblasen
DE69529253D1 (de) Verfahren und Gerät zum Erzeugen von Musterzeichen
DE69739337D1 (de) Apparat und verfahren zum zeichnen
DE69836535D1 (de) Apparat und Verfahren zum automatischen Ausrichten von Druckköpfen
DE69736811D1 (de) Verfahren und vorrichtung zum lokalisieren von kortikalverbindungen
DE60037621D1 (de) Verfahren und Gerät zum Erzeugen von Zufallssignalen
DE69716513D1 (de) Verfahren und Apparat zum Editieren von Bildern
DE69635547D1 (de) Verfahren und einrichtung zum wiegen von kombinationen
DE69523694D1 (de) Verfahren und Apparat zum Unterteilen von Blöcken
DE69520177D1 (de) Verfahren und Apparat zum Verarbeiten von Dokumenten
DE69421081D1 (de) Apparat und verfahren zum nachfüllen von laserfarbstoff
DE59703456D1 (de) Vorrichtung und Verfahren zum Schleifen von Garnituren
DE69831648D1 (de) Apparat und Verfahren zum Aufzeichnen
DE69714306D1 (de) Verfahren und apparat zum einschnitt des nacken von schlachtgeflügel
DE69828246D1 (de) Gerät und Verfahren zum Entwickeln von Bildern
DE69821825D1 (de) Vorrichtung und Verfahren zum Sterilisieren

Legal Events

Date Code Title Description
8364 No opposition during term of opposition
8328 Change in the person/name/address of the agent

Representative=s name: EISENFUEHR, SPEISER & PARTNER, 20355 HAMBURG