INTEGRATED COMMUNICATION SOLUTION

• US 20080162313A1
• Filed: 01/02/2007
• Published: 07/03/2008
• Est. Priority Date: 01/02/2007
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Patton, John M.
• Granted Patent: US 8,606,670 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the present invention provide methods, systems, and machine-readable media for integrating communications between multiple systems and/or processes related to different aspects of financial transactions of a consumer. Generally speaking, an integrated communications engine can be communicatively coupled with and adapted to manage communications between a plurality of routines or processes to manage interactions with a consumer throughout a lifecycle of a financial relationship with the consumer. According to one embodiment, the integrated communications engine can further comprise a rules engine. The rules engine can be adapted to monitor the plurality of routines, determine whether a condition specified in a rule is satisfied, and in response to determining that the condition is satisfied, trigger an action by one or more of the routines of the plurality of routines based on the rule.

Claims

1. A system comprising:

a communications network;

one or more computers communicatively coupled with the communications network, the one or more computers adapted to execute a plurality of routines, wherein each routine of the plurality of routines processes different aspects of one or more financial transactions of a consumer; and

an integrated communications engine communicatively coupled with the communications network and adapted to manage communications between the plurality of routines to manage interactions with the consumer throughout a lifecycle of a financial relationship with the consumer.

2. The system of claim 1, wherein the plurality of routines comprises a strategic communications routine, the strategic communications routine adapted to manage correspondences to the consumer during generation of a statement of financial transactions for the consumer.

3. The system of claim 1, wherein the plurality of routines comprises an access device routine, the access device routine adapted to manage processing of physical tokens of a financial account of the consumer.

4. The system of claim 1, wherein the plurality of routines comprises a two-way communications routine, the two-way communications routine adapted to manage communications with the consumer.

5. The system of claim 1, wherein the plurality of routines comprises an Item Level Processing (ILP) routine, the ILP routine adapted to manage actions related to individual goods or services purchased by the consumer.

6. The system of claim 1, wherein the plurality of routines comprises a broker routine, the broker routine adapted to manage communications between a third-party advertiser and the consumer.

7. The system of claim 1, wherein the plurality of routines comprises an e-messenger routine, the e-messenger routine adapted to manage generation and delivery of electronic statements of financial transactions for the consumer.

8. The system of claim 1, further comprising a plurality of data stores communicatively coupled with the communications network.

9. The system of claim 8, wherein the plurality of data stores includes a data link data store, the data link data store can have stored therein information related to the consumer and the transaction by one or more of the routines for handling different aspects of the transaction.

10. The system of claim 8, wherein the plurality of data stores includes an operational data store, the operational data store having stored therein information related to activity on one or more financial accounts of the consumer.

11. The system of claim 8, wherein the plurality of data stores includes a marketing data store, the marketing data store having stored therein marketing information from a financial institution maintaining one or more financial accounts for the consumer.

12. The system of claim 8, wherein the plurality of data stores includes a third-party data store, the third-party data store having stored therein marketing information provided by one or more third-party advertisers.

13. The system of claim 8, wherein the plurality of data stores includes a merchant masterfile data store, the merchant masterfile data store can have stored therein information related to details of the transaction.

14. The system of claim 1, wherein the integrated communications engine further comprises a rules engine, the rules engine adapted to monitor the plurality of routines, determine whether a condition specified in a rule is satisfied, and in response to determining that the condition is satisfied, trigger an action by one or more of the routines of the plurality of routines based on the rule.

15. The system of claim 1, wherein the integrated communications engine further comprises an Application Program Interface (API), the API providing for interaction between the integrated communications engine and the plurality of routines.

16. A system comprising:

a communications network;

one or more computers communicatively coupled with the communications network, the one or more computers adapted to execute a plurality of merchant processes, wherein each merchant process of the plurality of merchant processes is adapted to process different aspects of a financial transaction of a consumer on behalf of a merchant that is party to the financial transaction of the consumer, and a plurality of issuer processes, wherein each issuer process of the plurality of issuer processes is adapted to process different aspects of the financial transaction of the consumer on behalf of an issuing financial institution of an instrument used by the consumer in the financial transaction;

a plurality of data stores communicatively coupled with the communications network; and

an integrated communications engine communicatively coupled with the communications network and adapted to manage communications between the plurality of merchant processes and the plurality of issuer processes to manage interactions with the consumer throughout a lifecycle of a financial relationship between the issuing financial institution and the consumer based on information in the plurality of data stores and actions of the plurality of merchant processes and the plurality of issuer processes.

17. The system of claim 16, wherein at least one of the merchant processes and the issuer processes comprises a strategic communications process, the strategic communications process adapted to manage correspondences to the consumer during generation of a statement of financial transactions for the consumer.

18. The system of claim 16, wherein at least one of the merchant processes and the issuer processes comprises a plastics process, the plastics process adapted to manage processing of physical tokens of a financial account of the consumer.

19. The system of claim 16, wherein at least one of the merchant processes and the issuer processes comprises a two-way communications process, the two-way communications process adapted to manage communications with the consumer.

20. The system of claim 16, wherein at least one of the merchant processes and the issuer processes comprises an Item Level Processing (ILP) process, the ILP process adapted to manage actions related to individual goods or services purchased by the consumer.

21. The system of claim 16, wherein at least one of the merchant processes and the issuer processes comprises a broker process, the broker process adapted to manage communications between a third-party advertiser and the consumer.

22. The system of claim 16, wherein at least one of the merchant processes and the issuer processes comprises an e-messenger process, the e-messenger process adapted to manage generation and delivery of electronic statements of financial transactions for the consumer.

23. The system of claim 16, wherein the plurality of data stores includes a data link data store, the data link data store can have stored therein information related to the consumer and the transaction by one or more of the routines for handling different aspects of the transaction.

24. The system of claim 16, wherein the plurality of data stores includes an operational data store, the operational data store having stored therein information related to activity on one or more financial accounts of the consumer.

25. The system of claim 16, wherein the plurality of data stores includes a marketing data store, the marketing data store having stored therein marketing information from the issuing financial institution.

26. The system of claim 16, wherein the plurality of data stores includes a third-party data store, the third-party data store having stored therein marketing information provided by one or more third-party advertisers.

27. The system of claim 16, wherein the plurality of data stores includes a merchant masterfile data store, the merchant masterfile data store can have stored therein information related to details of the transaction.

28. The system of claim 16, wherein the integrated communications engine further comprises a rules engine, the rules engine adapted to monitor the plurality of merchant processes and the plurality of issuer processes, determine whether a condition specified in a rule is satisfied, and in response to determining that the condition if satisfied, trigger an action by one or more of the merchant processes or one or more of the issuer processes based one the rule.

29. The system of claim 16, wherein the integrated communications engine further comprises an Application Program Interface (API), the API providing for interaction between the integrated communications engine, the plurality of merchant processes and the plurality of issuer processes.

30. A method of managing interactions with a consumer through a lifecycle of a financial relationship between the consumer and a financial institution maintaining one or more accounts for the consumer, the method comprising:

monitoring a plurality of processes for managing different aspects of financial transactions of the consumer related to the one or more accounts;

determining whether a condition specified in a rule is satisfied by at least a first process of the plurality of processes; and

in response to determining that the condition is satisfied, triggering a second process of the plurality of processes to perform an action specified by the rule.

31. The method of claim 30, wherein the plurality of processes comprises a strategic communications process, the strategic communications process adapted to manage correspondences to the consumer during generation of a statement of financial transactions for the consumer.

32. The method of claim 30, wherein the plurality of processes comprises a plastics process, the plastics process adapted to manage processing of physical tokens of a financial account of the consumer.

33. The method of claim 30, wherein the plurality of processes comprises a two-way communications process, the two-way communications process adapted to manage communications with the consumer.

34. The method of claim 30, wherein the plurality of processes comprises an Item Level Processing (ILP) process, the ILP process adapted to manage actions related to individual goods or services purchased by the consumer.

35. The method of claim 30, wherein the plurality of processes comprises a broker process, the broker process adapted to manage communications between a third-party advertiser and the consumer.

36. The method of claim 30, wherein the plurality of processes comprises an e-messenger process, the e-messenger process adapted to manage generation and delivery of electronic statements of financial transactions for the consumer.

37. The method of claim 30, wherein determining whether the condition is satisfied is further based on information stored in one or more of a plurality of data stores.

38. The method of claim 37, wherein the plurality of data stores includes a data link data store, the data link data store can have stored therein information related to the consumer and the transaction by one or more of the routines for handling different aspects of the transaction.

39. The method of claim 37, wherein the plurality of data stores includes an operational data store, the operational data store having stored therein information related to activity on one or more financial accounts of the consumer.

40. The method of claim 37, wherein the plurality of data stores includes a marketing data store, the marketing data store having stored therein marketing information from a financial institution maintaining one or more financial accounts for the consumer.

41. The method of claim 37, wherein the plurality of data stores includes a third-party data store, the third-party data store having stored therein marketing information provided by one or more third-party advertisers.

42. The method of claim 37, wherein the plurality of data stores includes a merchant masterfile data store, the merchant masterfile data store can have stored therein information related to details of the transaction.