Source: http://www.google.je/patents/US8469268
Timestamp: 2018-01-19 13:19:21
Document Index: 289538367

Matched Legal Cases: ['Application No. 60', 'Application No. 200680033605', 'Application No. 200680033605', 'Application No. 2008', 'Application No. 2008', 'Application No. 2008', 'Application No. 2', 'Application No. 06787405']

Patent US8469268 - System and method for disputing individual items that are the subject of a ... - Google Patents
A system and method for disputing individual items that are the subject of a transaction includes storing, in a database, a record of a transaction in which a plurality of goods or services were sold to an individual that owns a transaction card through which access to monetary funds may be obtained,...http://www.google.je/patents/US8469268?utm_source=gb-gplus-sharePatent US8469268 - System and method for disputing individual items that are the subject of a transaction
Publication number US8469268 B2
Application number US 13/594,143
Also published as CA2615385A1, CA2615388A1, CA2615390A1, CA2615410A1, CA2615413A1, CN101263524A, CN101506820A, CN101558414A, CN101606169A, CN101663675A, EP1908006A2, EP1908006A4, EP1913514A2, EP1913514A4, EP1913516A2, EP1917621A2, EP1917621A4, EP1943608A2, EP1943608A4, US7578438, US7614549, US7617972, US7909246, US8061596, US8061597, US8083134, US8127987, US8132723, US8191778, US8272567, US8348158, US8413896, US8540150, US9010633, US20070119918, US20070119919, US20070119920, US20070119921, US20070124238, US20080110980, US20100280893, US20100280910, US20100325053, US20120011012, US20120029999, US20120130783, US20120130831, US20120130896, US20130006781, US20130185132, US20140136420, US20150186889, WO2007011695A2, WO2007011695A3, WO2007011782A2, WO2007011782A3, WO2007011786A2, WO2007011786A3, WO2007011787A2, WO2007011787A3, WO2007011787A9, WO2007011840A2, WO2007011840A3
Publication number 13594143, 594143, US 8469268 B2, US 8469268B2, US-B2-8469268, US8469268 B2, US8469268B2
Patent Citations (99), Non-Patent Citations (21), Classifications (43), Legal Events (4)
US 8469268 B2
associating, by a dispute resolution computer, a plurality of items with a transaction identifier, wherein the plurality of items are associated with a transaction; and
disputing, by the computer and in response to a dispute request, a cost for a first item in the plurality of items, wherein the costs of other of the plurality of items are not subject to dispute.
2. The method of claim 1, further comprising receiving a transaction request associated with the transaction.
3. The method of claim 2, wherein the transaction request comprises item information associated with the plurality of items.
4. The method of claim 2, wherein the transaction request comprises the transaction identifier.
5. The method of claim 2, further comprising, in response to the receiving the transaction request, creating the transaction identifier.
6. The method of claim 1, further comprising storing in a database the transaction identifier and at least a subset of information associated with the item.
7. The method of claim 2, further comprising authorizing the transaction based upon the transaction request.
8. The method of claim 7, further comprising receiving, in response to the authorizing, item information associated with the plurality of items,
9. The method of claim 2, wherein the transaction request comprises a transaction account identifier associated with a transaction account.
10. The method of claim 9, wherein the transaction account is associated with a transaction device.
11. The method of claim 10, wherein the transaction device is an anonymous card.
12. The method of claim 9, wherein the transaction account is at least one of a credit account, a charge account, a debit account, and a stored value account.
13. The method of claim 3, wherein the transaction request is received from a point-of-sale device.
14. The method of claim 13 wherein the point-of-sale device is at least one of: a cash register that is physically located within a merchant store and a web site structured to conduct on-line commerce.
15. The method of claim 1, wherein the dispute request comprises at least one of an identification of the first item and a cost associated with the first item.
16. The method of claim 15, further comprising removing a disputed cost from a balance of a transaction account, wherein the transaction account is associated with the transaction.
17. The method of claim 1, wherein each item in the plurality of items comprises at least one of a good, service, information, experience, data, content, access, rental, lease, contribution, account, credit, debit, benefit, right, reward, points, coupons, credits, monetary equivalent, anything of value, something of minimal or no value, monetary value, and non-monetary value.
18. The method of claim 3, wherein the item information comprises a stock keeping unit (SKU).
associating, by the processor, a plurality of items with a transaction identifier, wherein the plurality of items are associated with a transaction; and
disputing, by the processor and in response to a dispute request, a cost for a first item in the plurality of items, wherein the costs of other of the plurality of items are not subject to dispute.
associating, by the computer, a plurality of items with a transaction identifier, wherein the plurality of items are associated with a transaction; and
This application is a continuation of, claims priority to and the benefit of, U.S. Ser. No. 13/364,066 entitled “SYSTEM AND METHOD FOR DISPUTING INDIVIDUAL ITEMS THAT ARE THE SUBJECT OF A TRANSACTION” filed on Feb. 1, 2012. The '066 application is a continuation of, claims priority to and the benefit of, U.S. Pat. No. 8,127,987 issued Mar. 6, 2012 (aka U.S. Ser. No. 13/239,191 filed Sep. 21, 2011) entitled “SYSTEM AND METHOD FOR DISPUTING INDIVIDUAL ITEMS THAT ARE THE SUBJECT OF A TRANSACTION.” The '987 patent is a continuation of U.S. Pat. No. 8,061,597 issued Nov. 22, 2011 (aka U.S. Ser. No. 12/611,665 filed Nov. 3, 2009) entitled “SYSTEM AND METHOD FOR DISPUTING INDIVIDUAL ITEMS THAT ARE THE SUBJECT OF A TRANSACTION.” The '597 patent is a continuation of, claims priority to and the benefit of, U.S. Pat. No. 7,617,972 issued Nov. 17, 2009 (aka U.S. Ser. No. 11/487,139 filed on Jul. 14, 2006) entitled “SYSTEM AND METHOD FOR DISPUTING INDIVIDUAL ITEMS THAT ARE THE SUBJECT OF A TRANSACTION.” The '972 patent is the non-provisional of, claims priority to and the benefit of, U.S. Provisional Application No. 60/700,049, entitled “SYSTEM AND METHOD FOR NEW EXECUTION AND MANAGEMENT OF CREDIT TRANSACTIONS,” filed Jul. 15, 2005. All of which are incorporated herein by reference.
Other shortcomings also inhere in the aforementioned scheme. Personal identification information is typically both printed or embossed on the credit card and encoded on its magnetic strip. This necessitates a delay between the point in time at which a credit card applicant is approved for a credit card and the point in time at which the applicant may receive the credit card (the applicants personal information is printed and encoded on the card in the intervening period). Additionally, because the storage mechanism used by credit cards is a magnetic strip, a magnetic strip reader must be interfaced with the point-of-sale device. This generates additional expense, which has the tendency to discourage small businesses from accepting such credit cards. Furthermore, there presently exists a movement afoot to introduce radio frequency identification (RFID) devices into credit cards. Such an initiative also involves significant infrastructural investment, which, again, has the tendency to discourage small businesses from accepting such credit cards.
After receiving the application information, the server enters information in the database to associate the applicant's card number with the applicant's application information (operation 306). Thereafter, an evaluation of the application is performed (operation 308). According to some embodiments, a credit check may be performed upon the applicant. The application information may include a sufficient quantity of information to query a credit score service (example: Fair Isaac Co.) to obtain a credit score for the individual (example: FICO score). For example, the information association's server may communicate, via a network such as the Internet, with a credit score service to determine a credit score associated with an individual. If the credit score exceeds a particular threshold, then the application is approved, otherwise it is declined. According to other embodiments, the applicant's application information is communicated via a network such as the Internet to one or more card-issuing banks. Each card-issuing bank individually uses the application information to perform their own analysis and independently conclude whether to deny or approve the application. According to some embodiments, the transaction platform's server compares the credit terms offered by the approving card issuing banks, and selects the card-issuing bank offering the best credit terms as the bank associated with the card number. According to other embodiments, each card-issuing bank may communicate a bid, e.g., a monetary sum it is willing to pay to the transaction platform to acquire the account, and the transaction platform may select the bank offering the highest bid, for example. According to other embodiments, more than one bank may be associated with the card number, and the applicant/future cardholder is permitted to select from among the banks for extension of credit, with each purchase.
If each of the balance check module 714, the fraud check module 716, and the profile check module indicates that the transaction should be allowed, then control passes to the record transaction module 724. The record transaction module enters the data recovered by the three decryption modules 704, 710, and 712, including the level three data, into the database 706. For example, a transaction identifier-differ-different from the one assigned by the merchant—is assigned to the transaction. A new record, identified by the newly assigned transaction identifier is created in a table that relates details relating to a transaction with the newly assigned transaction identifier. Thereafter, the various fields of the new record are populated using the data recovered by the three decryption modules 704, 710, and 712, including the level three data. (The merchant's transaction identifier is also stored in the aforementioned table in association with the newly-assigned transaction identifier, thereby preserving the association between the transaction platform's transaction identifier and the merchant's transaction identifier.)
As an initial step, a cardholder may associate his membership account number (or other identifying number associated therewith, such as the number encoded on the storage medium of his membership card) with his master account. When, renting his movie, the cardholder presents a transaction card of the sort disclosed herein to both purchase the movie rental, and to present his membership account. The employee may “swipe” the card as described previously, setting in motion the events previously described. However, in this context, the transaction type data is set to a value to indicate that a private club purchase is being carried out. (The level three data carries data describing the title of the movie being rented, etc.). Thus, an encrypted transport object having a merchant identifier identifying the movie rental merchant, a store identifier identifying the particular store, a point-of-sale identifier identifying the particular point-of sale device, the card number of the transaction card, the level three data as just described, and the transaction type data as just described is communicated to the software system of FIG. 7.
FIG. 18 depicts one exemplary embodiment of a person-to-person transaction, as just discussed. As shown in FIG. 18, the transaction platform 1800 extends access to monetary funds (line of credit, debit account, checking account, savings account, stored value, and/or pre-paid account) through each of two banks 1802 and 1804. In principle, the platform 1800 may extend access to funds through any number of banks. For the sake of illustration, a person-to-person transfer of fund is described with reference to transfer from a credit card, Transfer of funds may be executed from any type of account to any type of account. Again, for the sake of illustration only, it is assumed that the transaction platform handles eight parties, each of which own a transaction card that functions as a credit card. Four of the cardholders access a line of credit through bank 1802, while the other four access a line of credit through bank 1804. Thus, as shown in FIG. 18, an account is maintained for each cardholder by each card-issuing bank 1802 and 1804. One such account is identified by reference numeral 1806, and another such account is identified by reference numeral 1808.
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2 CN; Office Action dated Jul. 25, 2012 in Application No. 200680033605.4.
3 CN; Office Action dated Nov. 16, 2011 in Application No. 200680033605.4.
4 Final Rejection dated Nov. 26, 2012 in Japanese Application No. 2008-521663.
5 Final Rejection for U.S. Appl. No. 12/611,665 dated Apr. 15, 2011.
6 JP; Office Action dated Jul. 17, 2012 in Application No. 2008-521663.
7 JP; Office Action in Application No. 2008-521663.
8 Letter from Mexican Patent Attorney, Olivares & Cia, summarizing the Office Action issued by the Mexican Patent Office for Mexican Patent Application No. MX/a/2008/000710 dated Jul. 28, 2011.
9 MX; Office Action dated Jan. 2012 in Application No. MX/a/2008/000710.
10 MX; Office Action received Aug. 9, 2012 in Application No. MX/a/2008/000710.
11 Non-Final Rejection for U.S. Appl. No. 12/611,665 dated Sep. 17, 2010.
12 Notice of Allowance for U.S. Appl. No. 12/611,665 dated Jun. 27, 2011.
13 Office Action dated Nov. 23, 2012 in Canadian Application No. 2,615,385.
14 PCT; International Preliminary Report on Patentability dated Jul. 14, 2009 in Application No. PCT/US2006/027493.
15 PCT; International Search Report dated Jul. 3, 2008 in Application No. PCT/US2006/027493.
16 PCT; Written Opinion dated Jul. 3, 2008 in Application No. PCT/US2006/027493.
17 Supplementary Search Report dated Nov. 30, 2012 in European Application No. 06787405.7.
18 USPTO; Notice of Allowance dated Jul. 7, 2009 in U.S. Appl. No. 11/487,139.
19 USPTO; Notice of Allowance dated May 31, 2012 in U.S. Appl. No. 13/364,066.
20 USPTO; Office Action dated Apr. 27, 2012 in U.S. Appl. No. 13/364,066.
21 USPTO; Office Action dated Jun. 30, 2008 in U.S. Appl. No. 11/487,139.
Cooperative Classification G06Q20/4012, G06Q20/3829, G06Q20/20, G06Q20/4016, G07F7/122, G06Q20/04, G06Q20/3823, G06Q20/382, G06Q20/35785, G07F7/1008, G06Q20/40, G06Q20/405, G06Q20/4037, G06Q40/025, G06Q20/403, G06Q20/24, G06Q30/016, G06Q30/0185, G06Q30/0208, G06Q30/0226, G06Q20/401, G06Q20/12, G07G1/12, G06Q40/02, G06Q30/0214, G06Q20/204, G06Q20/105, G06Q30/06, G06Q20/209, G06Q30/0633, G06Q30/04, G06Q30/0637, G06Q40/00, G07F7/08, G07G3/003, G06Q20/341, G06Q20/10, G06Q20/357
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