Patent application number | Description | Published |
20080262919 | SYSTEM AND METHOD FOR FLEXIBLE PAYMENT TERMS - A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance. | 10-23-2008 |
20090254478 | SYSTEM AND METHOD FOR FLEXIBLE DEFERRED PAYMENT TERMS - A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance. | 10-08-2009 |
20090259548 | SYSTEM AND METHOD FOR FLEXIBLE ELECTION OF PAYMENT TERMS - A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance. | 10-15-2009 |
20140136406 | SYSTEM AND METHOD FOR FLEXIBLE PAYMENT TERMS - A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance. | 05-15-2014 |
20140310168 | SYSTEM AND METHOD FOR FLEXIBLE PAYMENT TERMS - A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance. | 10-16-2014 |
Patent application number | Description | Published |
20110093018 | DORSAL MIDFOOT BONE PLATE SYSTEM AND METHOD - A bone plate system for joining together adjacent bone parts of a surgical patient includes a bone plate having a first slot defining a first centerline axis, a second slot defining a second centerline axis, and a third slot defining a third centerline axis. The first, second and third slots are disposed in a triangular arrangement and simultaneously positionable over each of three adjacent bone parts. Each of a first compressing screw, a second compressing screw and a third compressing screw has a threaded shank for passage through the first, second and third slots, respectively, and engagement into the underlying bone part. Each of the first, second and third compressing screws also has a screw head configured to forcefully interact during insertion until fully seated with the first, second and third slot, respectively, thereby urging the first, second and third compressing screws to move along the first, second and third centerline axis, respectively, such that the three bone parts are multi-axially compressed towards each other. | 04-21-2011 |
20120065689 | Joint Fusion Construct And Method - A construct for fusing a joint between a proximal bone and a distal bone comprises a plate body having a proximal end, a distal end, and a longitudinal axis extending between the proximal and distal ends; a rigid joint bridge on the plate body intermediate the proximal and distal ends, the bridge separating the plate body between a proximal bone portion and a distal bone portion; a plurality of screw receiving holes extending through the proximal bone portion of the plate, the distal most pair of the holes defining a first transverse axis at an oblique angle relative the longitudinal axis; a plurality of screw receiving holes extending through the distal bone portion of the plate, the proximal most pair of the holes defining a second transverse axis at an oblique angle relative the longitudinal axis; a plurality of screws extending through the holes and attaching the plate body to the proximal and distal bones; and a joint screw traversing the joint between the first and second transverse axes. | 03-15-2012 |
Patent application number | Description | Published |
20130024300 | MULTI-STAGE FILTERING FOR FRAUD DETECTION USING GEO-POSITIONING DATA - A multi-stage filtering process and system for fraud detection is disclosed. The process includes one or more preliminary filtration stages followed by one or more additional filtration stages that provide for enhanced screening for fraudulent activity. Over a plurality of transactions, a portion of the transactions are cleared for processing (e.g., deemed not likely fraudulent or of too low value to continue processing) after each filtration stage. As such, acceptable transactions are not unnecessarily scrutinized. Methods include receiving transaction data; filtering the transaction data based on a first stage filtration to produce filtered data; enriching the filtered data with geo-positioning data to produce enriched data; and filtering the enriched data based on other attributes to indentify a possible fraud. | 01-24-2013 |
20130024339 | MULTI-STAGE FILTERING FOR FRAUD DETECTION WITH CUSTOMER HISTORY FILTERS - A multi-stage filtering process and system for fraud detection is disclosed. The process includes one or more preliminary filtration stages followed by one or more additional filtration stages that may include customer history filters that provide for enhanced screening for fraudulent activity. Over a plurality of transactions, a portion of the transactions are cleared for processing (e.g., deemed not likely fraudulent or of too low value to continue processing) after each filtration stage. As such, acceptable transactions are not unnecessarily scrutinized. | 01-24-2013 |
20130024358 | FILTERING TRANSACTIONS TO PREVENT FALSE POSITIVE FRAUD ALERTS - A multi-stage filtering process and system for fraud detection is disclosed. The process includes one or more preliminary filtration stages followed by one or more additional filtration stages that provide for enhanced screening for fraudulent activity. Over a plurality of transactions, a portion of the transactions are cleared for processing (e.g., deemed not likely fraudulent or of too low value to continue processing) after each filtration stage. As such, acceptable transactions are not unnecessarily scrutinized. Another user of the multi-stage filtering process and system is to detect false positive fraud alerts produced by other systems. By reducing the prevalence of false positives, the process and system saves the financial institution costs associated with conducting expensive screening of valid transactions and saves the customers inconvenience and frustration of having valid transactions declined. | 01-24-2013 |
20130024361 | CAPACITY CUSTOMIZATION FOR FRAUD FILTERING - A multi-stage filtering process and system for fraud detection is disclosed. The multi-stage filtering process allows for the ability to dynamically increase/decrease server capacity, as well as application capacity to support fraud detection activities. The system monitors the queues of the transactions being made using various channels, and responds by adjusting the server and application resources needed for performing pre-filtering on the transactions in the queues. The invention allows for the fraud detection systems to maintain the capacity necessary to examine, at some level, if one or more of the transactions being processed by a financial institution are potentially fraudulent. The capacity can be changed during times of high and low volumes, thus allowing the allocation of resources based on transaction volume, which reduces the computing, energy, labor, etc. costs associated with fraud detection systems without losing the ability to detect almost all of the fraudulent transactions occurring. | 01-24-2013 |
20130024373 | MULTI-STAGE FILTERING FOR FRAUD DETECTION WITH ACCOUNT EVENT DATA FILTERS - A multi-stage filtering process and system for fraud detection is disclosed. The process includes one or more preliminary filtration stages followed by one or more additional filtration stages that provide for enhanced screening for fraudulent activity. In one such embodiment the preliminary filtration provides for evaluating financial transactions based on financial transaction attribute data and secondary filtration provides for further evaluating the financial transactions based on a customer's account event data. Over a plurality of transactions, a portion of the transactions are cleared for processing (e.g., deemed not likely fraudulent or of too low value to continue processing) after each filtration stage. As such, acceptable transactions are not unnecessarily scrutinized. In specific embodiments, filtration is based on financial transaction data and account event data. | 01-24-2013 |
20130024375 | MULTI-STAGE FILTERING FOR FRAUD DETECTION - A multi-stage filtering process and system for fraud detection is disclosed. The process includes one or more preliminary filtration stages followed by one or more additional filtration stages that provide for enhanced screening for fraudulent activity. Over a plurality of transactions, a portion of the transactions are cleared for processing or marked as not fraudulent (e.g., deemed not likely fraudulent or of too low a value to continue analyzing) after each filtration stage. As such, acceptable transactions are not unnecessarily scrutinized. | 01-24-2013 |
20130024376 | MULTI-STAGE FILTERING FOR FRAUD DETECTION WITH VELOCITY FILTERS - A multi-stage filtering process and system for fraud detection is disclosed. The process includes one or more preliminary filtration stages followed by one or more additional filtration stages that may include velocity filters that provide for enhanced screening for fraudulent activity. Over a plurality of transactions, a portion of the transactions are cleared for processing (e.g., deemed not likely fraudulent or of too low value to continue processing) after each filtration stage. As such, acceptable transactions are not unnecessarily scrutinized. | 01-24-2013 |