System And Methods For Servicing Electronic Transactions
1 Assignment
0 Petitions
Accused Products
Abstract
A service transaction provider for administering a plurality of accounts for a client includes a computer having a processor, a data storage medium, and a network port. The storage medium is configured to store the clients'"'"' personal information, account information, and transactional information. The processor configured to create a database of client information including the client'"'"'s personal information, account information corresponding to a plurality of accounts associated with the client, and transactional information corresponding to a plurality of transactions conducted by the client; designate as confidential a predetermined first portion of the database client information; designate as non-confidential a predetermined second portion of the database of client information non-confidential; and provide the client with access to the first and second portions of the database of client information via the network port.
In an additional embodiment of the transaction service provider, the storage medium is further configured to store information corresponding to a plurality of vendors and the processor is further configured to create a database of vendor information; receive a transaction request from a client; analyze information in the database of vendor information; analyze information in the database of client information; and provide a suggested transaction to the client based on the information in the database of vendor information and the database of client information. The processor may be further configured to establish communication with a vendor via the network port; disclose information from the predetermined second portion of the database of client information to the vendor; receive information from the vendor; and provide information received from the vendor to the client. The processor may be further configured to establish a communications with a service institution via the network port; receive transactional information corresponding to the client from the service institution; and add the transactional information received from the service institution to the database of client information. The processor may be further configured to establish communication with the client via the network port; receive information from the client; and add the information received from the client to the database of client information. The processor may be further configured to reconcile information received from the service institution with information received from the client.
174 Citations
45 Claims
-
1-33. -33. (canceled)
-
34. A transaction service provider, comprising:
a computer server, having a processor, a data storage medium, and a network port;
the computer server configured to comprise;a) a client data consolidation expert system, the client data consolidation expert system configured;
to accept input of transactional information from at least one payment gateway of an acquiring bank, the transactional information relating to a plurality of accounts for at least one client;
to accept input of transactional information from a device associated with the client;
to accept direct input of personal information from the client; and
to provide consolidated client information;b) a vendor data consolidation expert system, the vendor data consolidation expert system configured;
to accept input of profile information, product and services information, and marketing and advertising information from a plurality of vendors; and
to provide consolidated vendor information;c) a knowledge based system configured;
to accept the consolidated client information from the client data consolidation expert system and the consolidated vendor information from the vendor data consolidation expert system; and
to provide vendor information to the client based at least in part on the transactional information of the client.- View Dependent Claims (35, 36, 37, 38, 39, 40, 41, 42)
-
43. A transaction service provider, comprising:
a computer server, having a processor, a data storage medium, and a network port;
the computer server configured to comprise;a) a client data consolidation expert system, the client data consolidation expert system configured;
to accept input of transactional information from a plurality of payment gateways, the transactional information relating to a plurality of accounts for a plurality of clients;
to accept input of transactional records from electronic transaction devices associated with the clients;
to accept direct input of personal information from the clients; and
to provide consolidated client information;b) a vendor data consolidation expert system, the vendor data consolidation expert system configured;
to accept input of profile information, product and services information, and marketing and advertising information from a plurality of vendors; and
to provide consolidated vendor information;c) a knowledge based system configured;
to accept the consolidated client information from the client data consolidation expert system and the consolidated vendor information from the vendor data consolidation expert system;
to provide vendor information to the clients based at least in part on the transactional information of the client; and
to provide consolidated, anonymous information to the vendors based on transactional information corresponding to a plurality of clients.- View Dependent Claims (44, 45)
Specification