| Patent application number | Description | Published |
|---|
| 20080270275 | Auditing or Determining Reductions to Card-Issuer Interchange Fees - This document describes tools capable of auditing and/or determining reductions to card-issuer interchange fees charged for credit-card transactions. The tools may do so automatically and with user interaction for thousands or even millions of transactions. | 10-30-2008 |
| 20080270297 | Gathering Information from a Financial Website - This document describes tools capable of gathering information from websites of financial institutions. In some embodiments, the tools gather financial statements by automatically navigating through a website for each entity of a group. The tools may then download and save into a single batch all of the financial statements for the group. | 10-30-2008 |
| 20080270298 | Altering Card-Issuer Interchange Categories - This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions and the accompanying potential fee savings. In some embodiments, the tools receive parameters for interchange categories and transaction information for merchants that have been charged interchange fees based on some of these categories. The tools may determine, based on these parameters and transaction information, parameter changes that enable similar credit-card transactions to be assigned a lower-cost interchange category and the accompanying potential fee savings. | 10-30-2008 |
| 20090327124 | Altering Card-Issuer Interchange Categories - This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions. In some embodiments, the tools receive parameters for interchange categories and transaction information for merchants that have been charged interchange fees based on some of these categories. The tools may determine, based on these parameters and transaction information, how parameters may be changed to enable similar credit-card transactions to be assigned a lower-cost interchange category and the accompanying potential fee savings. | 12-31-2009 |
| 20100030634 | Altering Card-Issuer Interchange Categories - This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions. In some embodiments, the tools receive parameters for interchange categories and transaction information for a client (e.g., one or more merchants) that has been charged interchange fees based on some of these categories. The tools may determine, based on these parameters and transaction information, how parameters may be changed to enable similar credit-card transactions to be assigned a lower-cost interchange category and the accompanying potential fee savings. | 02-04-2010 |
| 20110010290 | Interchange Categories - This document describes tools capable of altering to which interchange categories credit-card transactions are assigned. In some embodiments, the tools receive parameters for interchange categories and transaction information for a client (e.g., one or more merchants) that has been charged interchange fees based on some of these categories. The parameters are utilized (e.g., by a credit card issuer) to determine to which interchange category a particular transaction will be assigned. The tools may determine, based on these parameters and the transaction information, how transactions may be changed to enable similar credit-card transactions to be assigned to a lower-cost interchange category. | 01-13-2011 |
| 20120011060 | Interchange Categories - This document describes tools capable of altering to which interchange categories credit-card transactions are assigned. In some embodiments, the tools receive parameters for interchange categories and transaction information for a client (e.g., one or more merchants) that has been charged interchange fees based on some of these categories. The parameters are utilized (e.g., by a credit card issuer) to determine to which interchange category a particular transaction will be assigned. The tools may determine, based on these parameters and the transaction information, how transactions may be changed to enable similar credit-card transactions to be assigned to a lower-cost interchange category. | 01-12-2012 |
| 20120123918 | Determination of Interchange Categories - This document describes tools capable of auditing and/or determining reductions to card-issuer interchange fees charged for credit-card transactions. The tools may do so automatically and with user interaction for large amounts of transactions. | 05-17-2012 |
