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    • 8. 发明申请
    • MODIFICATION OF PAYMENT TRANSACTIONS IN REAL-TIME BASED UPON EXTERNAL DATA SOURCE
    • 基于外部数据源实时付款交易的修改
    • US20110258117A1
    • 2011-10-20
    • US12760319
    • 2010-04-14
    • Farhan AhmadMeeri SiljamakiMin Koo LeeChia-Lin Chen
    • Farhan AhmadMeeri SiljamakiMin Koo LeeChia-Lin Chen
    • G06Q20/00G06F17/30G06Q30/00
    • G06Q20/3224G06Q20/202G06Q30/016G06Q30/0207G06Q30/06G06Q40/02
    • A system for, and method of using multiple data flows, both transactional and non-transactional, in real time to modify a transaction is disclosed. Further the use of transaction information in real time as a decision factor to trigger a different, non-transactional response, and the combination of the two approaches is disclosed. In particular, a network comprised of a plurality of software modules and databases is capable of combining current POS/POP transaction data, with a variety of other outside data sources to provide improved information for adjusting responses to transactions in real time. More specifically, the network utilizes payer facing systems to analyze the data in combination with well-known POS/POP transaction data and a variety of internal and external systems to combine information and provide modified transactions, related discounts and offers, and other relevant messaging to the payer. In addition, a specific method for analyzing for fraud within hybrid information transactions is disclosed and several examples to illustrate the invention are included.
    • 公开了实时修改事务的用于事务和非事务的多个数据流的系统和方法。 此外,实时地使用交易信息作为触发不同的非交易响应的决定因素,并且公开了这两种方法的组合。 特别地,由多个软件模块和数据库组成的网络能够将当前的POS / POP交易数据与各种其他外部数据源组合,以提供用于实时调整对交易的响应的改进信息。 更具体地说,网络利用面向付费者的系统来与众所周知的POS / POP交易数据和各种内部和外部系统结合来分析数据,以组合信息并提供经修改的交易,相关的折扣和优惠以及其他相关消息传递 付款人。 此外,公开了用于分析混合信息事务中的欺诈的具体方法,并且包括说明本发明的几个示例。