Active transaction generation, processing, and routing system
First Claim
1. A method for interfacing between a plurality of customers and a plurality of independent service providers, the method comprising:
- collecting customer information and transaction data for a plurality of transaction requests initiated by at least some of the plurality of customers, wherein a first subset of the plurality of transaction requests is initiated with transaction devices associated with a first of the plurality of independent service providers and a second subset of the plurality of transaction requests is initiated with transaction devices associated with a second of the plurality of independent service providers; and
for each transaction request, determining which of the plurality of independent service providers should receive the transaction request on the basis of the collected customer information; and
transmitting the transaction request to the determined independent service provider.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and computer system are provided for interfacing between customers and independent service providers. Customer information and transaction data are collected for transactions that may be divided into at least two subsets, with transactions in each subset being initiated with transaction devices associated with a different independent service providers. For each transaction request, a determination is made which of the independent service providers should receive the transaction request, based on the collected customer information, and it is then transmitted to the determined independent service provider.
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Citations
48 Claims
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1. A method for interfacing between a plurality of customers and a plurality of independent service providers, the method comprising:
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collecting customer information and transaction data for a plurality of transaction requests initiated by at least some of the plurality of customers, wherein a first subset of the plurality of transaction requests is initiated with transaction devices associated with a first of the plurality of independent service providers and a second subset of the plurality of transaction requests is initiated with transaction devices associated with a second of the plurality of independent service providers; and
for each transaction request, determining which of the plurality of independent service providers should receive the transaction request on the basis of the collected customer information; and
transmitting the transaction request to the determined independent service provider. - View Dependent Claims (2, 3, 4, 5, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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6. In a computer system configured for interfacing with a customer, a method for conducting a consumer transaction, the method comprising:
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confirming the identity of the customer;
generating a list of possible transactions, selections on the list being individually tailored according to a determination of the customer'"'"'s expected preferences, wherein the determination is derived at least in part from past transactions executed for the customer with the computer system and at least in part from information from sources external to the computer system;
presenting the list to the customer;
receiving a request from the customer to execute the consumer transaction; and
executing the consumer transaction in accordance with the request.
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20. A method for authorizing a point-of-sale device to provide cash to a customer, the method comprising:
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confirming the identity of the customer with data entered at the point-of-sale device;
receiving a cash request from the customer entered at the point-of-sale device;
evaluating a risk of recovering funds provided to the customer by supplying data regarding the customer to a neural network, the neural network being configured to accept data at a layer of input nodes and to transform results provided by a layer of output nodes according to a transform function; and
authorizing the point-of-sale device to dispense cash in accordance with the cash request if the risk is acceptably low, such that the cash may be dispensed by the point-of-sale device as part of a transaction substantially contemporaneous with the cash request. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 30, 31, 32, 33, 35, 36, 37, 38, 39, 40)
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29. A computer system for interfacing between a plurality of customers and a plurality of independent service providers, the computer system comprising:
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a storage device configured to store data related to customer transactions;
at least one communications device configured to permit exchange of data with a plurality of transaction devices, wherein a first subset of the plurality of transaction devices is associated with a first of the plurality of independent service providers and a second subset of the plurality of transaction devices is associated with a second of the plurality of independent service providers; and
a processor connected with the storage device and the at least one communications device, wherein the processor is configured to;
collect customer information and transaction data for a plurality of transaction requests initiated by at least some of the plurality of customers with the first and second subsets; and
for each transaction request, determine which of the plurality of independent service providers should receive the transaction request on the basis of the collected customer information; and
transmit the transaction request to the determined independent service provider.
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34. A computer system for interfacing with a customer, the computer system comprising:
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a storage device configured to store data related to customer transactions;
at least one communications device configured to permit exchange of data with a remote point-of-sale device; and
a processor connected with the storage device and the at least one communications device, wherein the processor is configured to;
confirm the identity of the customer with data received over the at least one communications device;
generate a list of possible transactions, selections on the list being individually tailored according to a determination of the customer'"'"'s expected preferences, wherein the determination is derived at least in part from past transactions executed for the customer by the computer system and at least in part from information sources external to the computer system;
transmit the list to the remote point-of-sale device;
receive a request from the customer over the at least one communications device to execute a consumer transaction; and
execute the consumer transaction in accordance with the request.
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41. A computer system for authorizing a remote point-of-sale device to provide cash to a customer, the computer system comprising:
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a storage device configured to store data related to customer cash requests;
at least one communications device configured to permit exchange of data with the remote point-of-sale device; and
a processor connected with the storage device and the at least one communications device, wherein the processor is configured to;
confirm the identity of the customer with data received over the at least one communications device from the remote point-of-sale device;
receive a cash request from the customer entered at the point-of-sale device;
evaluate a risk of recovering funds provided to the customer by supplying data regarding the customer to a neural network, the neural network being configured to accept data at a layer of input nodes and to transform results provided by a layer of output nodes according to a transform function; and
authorize the point-of-sale device over the at least one communications device to dispense cash in accordance with the cash request if the risk is acceptably low, such that the cash may be dispensed by the point-of-sale device as part of a transaction substantially contemporaneous with the cash request. - View Dependent Claims (42, 43, 44, 45, 46, 47, 48)
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Specification