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

• US 9,715,691 B2
• Filed: 06/17/2010
• Issued: 07/25/2017
• Est. Priority Date: 01/16/2001
• Status: Expired due to Term

• Current Assignee: Caselas, LLC (Raymond Anthony Joao)
• Original Assignee: GTJ Ventures, LLC (Raymond Anthony Joao)
• Inventors: Joao, Raymond Anthony
• Primary Examiner(s): RUDY, ANDREW J
• Application Number:
  US12/802,973
• Publication Number:
  US 20100274723A1
• Time in Patent Office: 2,595 Days
• Field of Search: 705 30, 705 35, 705 28, 705 34, 705 44, 705 261, 235376, 235379, 235380, 235383, 235385, 709217, 709223, 709229, 709204
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• 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 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A computer-implemented method, including processing, with a processing device, information regarding an account involved in a transaction involving an individual, wherein the information regarding the account is received by a receiver, and further wherein the information regarding the account is processed prior to a processing, a completion, a consummation, or a cancellation, of the transaction, generating, with the processing device, a report or a message in response to the processing of the information regarding the account, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the account, and transmitting, with or from a transmitter, 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:

processing, with a processing device, information regarding an account involved in a transaction involving an individual;

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

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

2. The computer-implemented method of claim 1, wherein the account is a healthcare account, a Medicare account, a Medicaid account, an employee benefits account, a cafeteria account, a spending account, a subscription account for a good, product, or service, an insurance account, a healthcare insurance account, a prescription drug insurance account, a healthcare spending account, a life insurance account, a disability insurance account, a tuition account, a pharmacy account, a credit report account, a cable television account, a digital television account, a satellite television account, a social security account, a liability insurance account, a lease insurance account, a renter'"'"'s insurance account, a casualty insurance account, a property insurance account, a ticket account, a telephone calling card account, a utility account, an electrical utility account, a gas utility account, a fuel oil utility account, a financial account, an electronic money account, an electronic cash account, a communication account, a telephone account, a wireless communication device account, a non-wireless communication device account, a cellular communication device account, a cellular communication account, an Internet account, an Internet service provider account, or an electronic mail (e-mail) account.

3. The computer-implemented method of claim 1, wherein the account is an account associated with an electronic signature, a membership account, a club membership account, an entertainment membership account, an entertainment tickets account, a sports tickets account, a theatre tickets account, a concert or opera tickets account, a consumer or purchaser membership account, a sports club membership account, a health club membership account, a merchant credit account for a customer, a merchant account, an association membership account, a professional association membership account, or a trade association membership account, or wherein the account is an account associated with a policy, a plan, or a program.

4. The computer-implemented method of claim 1, wherein the charge-back regarding a previous transaction involves the individual involved in the transaction.

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

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

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

8. 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.

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

10. The computer-implemented method of claim 1, wherein the report or the message is transmitted to the communication device prior to a providing, a shipment, a transfer, or a delivery, of a good, a product, or a 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.

11. 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.

12. The computer-implemented method of claim 1, wherein the transaction is an on-line transaction or an Internet 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.

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

generating, with the processing device, a new or updated report or a new or updated message, wherein the new or updated report or the new or updated message contains new or updated information; and

transmitting, with or from the transmitter, the new or updated report or the new or updated message to the communication device associated with a merchant, vendor, or provider, of a good, product, or service, within or during a pre-defined time limit or time period, or prior to or before a date or a time for a providing, a shipping, a transferring, or a delivery, of a good, product, or service pursuant to the transaction.

14. The computer-implemented method of claim 1, wherein the report or the message contains unpaid bill information or history, loan repayment information or history, mortgage repayment information or history, loan delinquency information or history, loan default information or history, repossession information or history, foreclosure information or history, credit score information or history, credit rating information or history, changes in credit score or credit rating information or history, loans originated information or history, loans satisfied or paid off information or history, credit account or credit card or charge account or charge card bills paid or payments made information or history, minimum balance payment information or history, bill paid in full payment information or history, time to pay in full a balance or a loan information or history, credit account, credit card, charge account, or charge card, credit limit information or history, credit account, credit card, charge account, or charge card, credit interest or interest changes information or history, charge-back information or history for or involving any number of accounts, stopping of payment information or history involving any number of accounts, non-payment due to insufficient funds or checks bounced information or history involving any number of accounts, loan application information or history, credit account or credit card account application information or history, charge account or charge card account application information or history, debit account or debit card account application information or history, or co-applicant, co-party, or co-signer, information or history for, regarding, or involving, a loan, credit account, credit card account, charge account, charge card account, debit account, or debit card account, for, involving, or associated with, the individual.

15. The computer-implemented method of claim 1, wherein the report or the message contains information regarding a criminal record, a traffic infraction, violation, misdemeanor, or felony, conviction, a guilty plea, a plea bargain, an arrest warrant issued or an arrest warrant outstanding, of, for, regarding, or involving, the individual, or the report or the message contains information regarding a judgment issued against or involving, a judgment satisfied involving, or an unsatisfied judgment involving, the individual.

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

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

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

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 individual or regarding or involving the second individual, or information regarding a non-payment due to insufficient regarding or funds regarding or involving the involving the second individual; and

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

18. A computer-implemented method, comprising:

processing, with a processing device, information regarding an account involved in a transaction involving an individual;

generating, with the processing device, a report or a message in response to the processing of the information regarding the account, wherein the report or the message contains information regarding a previous transaction involving the account;

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

determining whether a transaction involving the account 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.

19. The computer-implemented method of claim 18, wherein the account is a healthcare account, a healthcare insurance account, or a prescription drug insurance account.

20. An apparatus, comprising:

a processing device, wherein the processing device processes information regarding an account involved in a transaction involving an individual, wherein the processing device generates a report or a message in response to the processing of the information regarding the account, wherein the report or the message contains information regarding a previous transaction involving the account; 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.

21. The apparatus of claim 20, wherein the apparatus processes information for determining whether the transaction is authorized or not authorized, and further wherein the apparatus generates a second report or a second message containing information regarding whether the transaction is authorized or not authorized, and further wherein the transmitter of the apparatus transmits the second report or the second message to the communication device.

22. The apparatus of claim 20, wherein the report or the message contains information regarding a charge-back involving the account or a charge-back regarding the previous transaction.

23. The apparatus of claim 20, wherein the account is a healthcare account, a healthcare insurance account, or a prescription drug insurance account.