Apparatus and method for providing transaction history information, account history information, and/or charge-back information

• US 20100106619A1
• Filed: 12/21/2009
• Published: 04/29/2010
• Est. Priority Date: 01/16/2001
• Status: Active Grant

• Current Assignee: Caselas, LLC (Raymond Anthony Joao)
• Original Assignee: Raymond Anthony Joao
• Inventors: Joao, Raymond Anthony
• Granted Patent: US 9,117,230 B2
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/40 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
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• 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
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

A computer-implemented method, including receiving information regarding a transaction involving an individual and involving an account, wherein the information regarding the transaction is received by a receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction, processing the information regarding the transaction with a processing device, generating a report or a message in response to the processing of the information regarding the transaction, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the individual, and transmitting the report or the message to a communication device associated with a merchant, vendor, or provider, of a good, product, or service.

Claims

1. A computer-implemented method, comprising:

receiving information regarding a transaction involving an individual and involving an account, wherein the information regarding the transaction is received by a receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction;

processing the information regarding the transaction with a processing device;

generating a report or a message in response to the processing of the information regarding the transaction, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the individual; and

transmitting the report or the message to a communication device associated with a merchant, vendor, or provider, of a good, product, or service.

2. The computer-implemented method of claim 1, wherein the charge-back regarding a previous transaction involves the account.

3. The computer-implemented method of claim 1, wherein the communication device is a transaction authorization device.

4. The computer-implemented method of claim 1, wherein the communication device is a wireless device, a wireless telephone, or a personal digital assistant.

5. The computer-implemented method of claim 1, wherein the report or the message is transmitted to the communication device via, on, or over, the Internet or the World Wide Web.

6. The computer-implemented method of claim 1, further comprising:

determining whether the transaction is authorized or not authorized;

generating a second report or a second message containing information regarding whether the transaction is authorized or not authorized; and

transmitting the second report or the second message to the communication device.

7. The computer-implemented method of claim 1, wherein the account is a credit account, a credit card account, a charge account, or a charge card account.

8. The computer-implemented method of claim 1, wherein the account is a debit account or a debit card account.

9. The computer-implemented method of claim 1, wherein the account is a checking account or a bank account.

10. The computer-implemented method of claim 1, wherein the account is an electronic money account.

11. The computer-implemented method of claim 1, wherein the information regarding the transaction includes information regarding a time period or a time limit relating to, or a time of, a shipment, transfer, or delivery, of a good, product, or service, pursuant to the transaction, and further wherein the report or the message is transmitted to the communication device prior to the shipment, transfer, or delivery, of the good, product, or service.

12. The computer-implemented method of claim 1, wherein the report or the message is transmitted to the communication device prior to a shipment, transfer, or delivery, of a good, product, or service, or the report or the message is transmitted to the communication device prior to a processing, a completion, a consummation, or a cancellation, of the transaction.

13. The computer-implemented method of claim 1, wherein the report or the message is transmitted to the communication device pursuant to, in, or during, a transaction authorization process.

14. The computer-implemented method of claim 1, wherein the transaction is an on-line transaction, and further wherein the information regarding the transaction, or the report or the message, is transmitted via, on, or over, the Internet or the World Wide Web.

15. The computer-implemented method of claim 1, wherein the transaction is a face-to-face transaction.

16. The computer-implemented method of claim 1, wherein the report or the message contains information regarding a number or a frequency of charge-backs which have occurred on the account or contains information regarding a number or a frequency of stopping of payments or non-payments due to insufficient funds, or the report or the message contains information regarding a reason for a charge-back action, a stopping of payment action, or a non-payment due to insufficient funds action, or the report or the message contains information regarding an allegation or a dispute allegation made by the individual or an account holder associated with the account, or the report or the message contains information regarding an allegation of a fraudulent or an unauthorized account activity made by the individual or an account holder associated with the account, or the report or the message contains information regarding an allegation or a response made by a merchant, vendor, or provider, involved in a transaction dispute, or the report or the message contains information regarding a probability or a statistic regarding whether the individual or the account holder associated with the account can be a charge-back risk in the transaction or whether individual or the account holder can be a stopping of payment risk or a non-payment due to insufficient funds risk.

17. The computer-implemented method of claim 1, wherein the transaction is a telephone transaction or an on-line transaction.

18. The computer-implemented method of claim 1, wherein the transaction is a mail order transaction.

19. The computer-implemented method of claim 1, further comprising:

processing information regarding a second transaction involving the account or a second transaction involving a second account;

generating a second report or a second message, wherein the second report or the second message contains information regarding a stopping of a payment regarding or involving the account or regarding or involving the second account, or information regarding a non-payment due to insufficient funds regarding or involving the account or regarding or involving the second account; and

transmitting the second report or the second message to the communication device or to a second communication device.

20. An apparatus, comprising:

a receiver for receiving information regarding a transaction involving an individual and involving an account, wherein the information regarding the transaction is received by the receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction;

a processing device, wherein the processing device processes the information regarding the transaction, wherein the apparatus generates a report or a message in response to the processing of the information regarding the transaction, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the individual; and

a transmitter, wherein the transmitter transmits the report or the message to a communication device associated with a merchant, vendor, or provider, of a good, product, or service.