2544 results about "Customer information" patented technology

In a business where a database tracks customers and manages customer accounts, a method and system correctly link accounts with customers. The method entails reading customer information for a first customer and for a second customer, and then utilizing personal identification information obtained from other sources to determine if the first customer is the same as the second customer. If the first customer and the second customer are the same person, the first customer and the second customer are identified as being the same unique person. Accounts associated with the two customers are identified as belonging to the same unique person. Viewed another way, the method and system of the present invention takes an existing database of personal identification information, and cross-references that database against other sources of personal identification information to identify persons who appear to be separate persons, but who are actually one and the same individual.

An account authentication service where a trusted party verifies an account holder's identity for the benefit of a requestor during an online transaction. The account authentication involves requesting a password from the account holder, verifying the password, and notifying the requestor whether the account holder's authenticity has been verified. An alternative embodiment of the account authentication service includes a value-adding component where information about a customer is shared with a value-adding party. The customer information is rich in detail about the customer since it is collected by each of the parties in the account authentication process. The value-adding party can then use this information in various manners. All of the parties involved can benefit from sharing the customer information. The value-adding party can be, for example, a merchant, a shipper, a security organization, or a governmental organization. A transaction identifier identifies a specific transaction between a customer, a merchant, and the customer information.

A system, including a method for prioritizing on hold calls connected to an automated telephone system is disclosed. The system and method utilizes customer information retrieved from a customer database as call prioritizing information for each connected call. The method begins by connecting a plurality of calls to the automated telephone system. Caller identifying information is obtained from each connected call and each connected call is placed on hold. Then, a customer database is searched and a customer database record is identified corresponding the obtained caller identifying information for each connected call. A call record for each connected call is created and inserted into the hold queue. Each call record includes the caller identifying information and call prioritizing information corresponding to the connected call. The connected calls are then directed to available agents based on the call prioritizing information stored in each call record in the hold queue.

Establishing a conference between a customer at a customer terminal and a live agent at an agent station, by (a) accepting a call request from the customer terminal, (b) requesting that an available live agent take the call request, (c) when a live agent becomes available to take the call request, passing customer information to the agent station associated with the available live agent, and (d) establishing a conference from the agent station associated with the available live agent to the customer terminal. The conference may be an audio-video conference. The audio-video conference may be compliant with the H.323 standard. The call request may generated in response to an event sensed by an API which was previously downloaded to the customer terminal from a web server. The call request may be generated in response to a trigger event. The trigger event may be a customer request for a live agent, adding an item to a virtual shopping cart, adding items having a total purchase prices of more than a predetermined threshold to a virtual shopping cart, removing an item from a virtual shopping cart, dwelling at a certain web page for more than a predetermined length of time, rendering certain content, rendering a certain sequence of content, filling out a form, or issuing a particular command. The customer information may include an Internet protocol address of the customer terminal, a video capability of the customer terminal, and/or a browser type used by the customer terminal.

A system and method for managing a customer in a banking institution. The system includes a customer kiosk with biometric device for identifying the customer. The system places the customer in a virtual queue to see a service provider.

A payment request associated with a transfer of funds is received and a risk management assessment for both sides thereof is performed. If the risk management assessment procedure produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed for delivery of a payment associated therewith. The risk management assessment may be performed on the basis of credit/authentication information derived from customer information received with (or even prior to) the payment request. Such customer information may include credit card account information and/or bank account information (e.g., checking account) information. In some cases, the risk management assessment may include an automated component and a manual (non-automated) component. Such a manual component may be needed where the automated component of the risk management assessment provides suspect information regarding one of the parties to the transaction. Where the payment request is processed for delivery of the payment, such processing may include submitting a payment authorization request, and, upon receiving a settlement indication regarding that payment authorization request, transmitting the payment. In some cases, the payment may be transmitted as a check, while in others it may be transmitted as a money order or instruction to have funds automatically deposited in an account.

A system and methods are provided which allow consumers to pay for ecommerce transactions through online bill payment and for merchants to determine that payments are not fraudulent. The system and methods do not rely on personal or confidential customer information relating to credit-cards and/or bank account routing information, date of birth and/or social security number. A risk manager can perform risk assessment for the cash payment based on order information and non-confidential purchaser information included in a cash payment request. In response to receiving an indication of the cash payment from the purchaser, a determination is made whether the cash payment is a good payment based on the risk assessment. The cash payment is released to a merchant in response to a determination that the cash payment is a good payment.

A method and system for searching, filtering, creating, displaying, and managing entity relationships from a repository of data hierarchies through a user interface is provided. Relationships of a primary entity and its related secondary entities are retrieved and displayed in a unified view in graphical or text view. The unified view may indicate a “cross” relationship between first and second entities through another entity that connects the first and second entities, the first and second entities originating from different data hierarchies and/or data sources. Relationships of a selected secondary entity may be displayed in a unified view and entities or relationships may be updated or stored to a separate storage area. The method and system may be used within an enterprise for implementing Master Data Management or Customer Data Integration for managing data hierarchies containing customer information, human capital information, supplier information, asset information, product information, or financial information.

The invention relates to a system for handling payment transactions, comprising a payment transaction client and a payment transaction server. A customer identifies himself by providing a code to a shop, preferably by a bar code. The shop sends customer identification, shop identification, client identification and the amount to the server. The server looks up further customer information, checks the balance on the account of customer and issues a payment confirmation code to the mobile telephone of the customer if the customer has enough credit on the account. The customer provides the code to the shop or directly to the client, upon which the client sends the payment confirmation code and further information like the information sent previously to the server. If the confirmation code received matches the confirmation code issues early, the server executes the payment or instructs a bank to execute the payment.

A system for personalized meal planning is provided which includes a client device and a meal planning center configured to communicate with the client device and to receive a customer's information, including a weight designator, a gender designator, a goal designator, and an activity level designator. The meal planning center includes a storage device and a processing unit. The storage device is configured to store recipe template files having an ingredient designator and a plurality of recipe rule factors, which include a nutrient contribution value, a minimum ingredient value, and a maximum ingredient value. A plurality of recipe rule factors are each assigned to each ingredient designator. The processing unit is configured to determine a nutritional allowance based upon the customer information and to create a recipe that satisfies the nutritional allowance by using the recipe rule factors assigned to the ingredient. The meal planning center is further configured to transmit the recipe to the client device.

A system that facilitates opening of a bank account by banking personnel for a customer. The account opening system includes an automatic rate determination feature that uses customer information, account information and other criteria to determine an account interest rate. The rate determination system may also mediate rate negotiation between a personal banker and the customer by limiting the increase in rate awarded by the personal banker. An auditing system assigns numbers to a series of profiles, each describing a request to open an account. Profiles to be audited are determined by generating random numbers that fall within the range of assigned profile numbers. Random number generation is repeated until a threshold percentage of profiles have been selected for auditing. The account opening system includes a system for tracking the progress of the account application and for organizing information recorded by the personal banker during interactions with the customer.

Embodiments generally relate to systems and methods for personalized product promotion and pricing. More specifically, embodiments relate to systems and methods for providing customized retail customer treatment through the use of personalized promotions, which may include personalized coupons, rewards, deals, and the like. In some embodiments, the retailers' customers are assigned unique accounts. One or more promotions may be offered to selected customers based on customer information. Customer information can be obtained from customer activity which is monitored through the use of the unique account assigned to the customer. Personalized product promotion systems and methods enable a retailer to target individual users uniquely and allow for each customer to take advantage of customized promotions based on his/her activities.

An identity management tool provides identity management across multiple domains, providing a single access point not only for information for runtime, network, and service layer information, but also for systems such as business support systems (BSS), operational support systems (OSS), and third party systems. The identity management tool creates a unified user profile that maps customer identities across the various domains, and presents the information in a virtual directory wherein the information appears to come from a single source, creating a central data hub for the various systems. This aggregation provides for the same experience and service across various access networks and using various channels. Such an architecture allows billing and service information to be shared with subscription and customer information, even though the data is substantially unrelated data from disparate data sources, without the need to combine schemas or aggregate the data into a single data store.

The invention discloses a method and system for using digital currencies based on a block chain as well as a terminal. The method comprises the following steps: a digital currency client sends a request for applying a digital certificate to a block chain, and receives the corresponding customer information returned by the block chain after identity and request verification; a digital certificate application is sent to a security chip through a trusted execution environment according to the customer information; the security chip generates a key pair and a digital currency wallet address according to the customer information, and outputs the digital currency wallet address to the digital currency client through the trusted execution environment; the digital currency client sends the digital currency wallet address to the block chain to ensure that the block chain acquires the digital certificate from the authentication center according to the digital currency wallet address; and the digital currency client receives the digital certificate sent by the block chain, and sends a digital certificate installation request to the security chip through the trusted execution environment to ensure that the security chip is provided with the digital certificate. Thereby, the security of the block chain digital currency wallet can be increased through the security chip and the trusted execution environment.

A method is provided for inventory management which includes an initial step of receiving a customer request for an inventory item and then generating a table or menu of one or more inventory items that most closely correspond to the customer request using a price forecasting system. Based on negotiations concerning price, timing and other typical concerns, an item is selected from the table and a price quotation associated with the selected inventory item is generated using the price forecasting system, which price quotation has been predetermined by a yield management system using a pricing strategy. The customer information associated with the customer request is input into a traffic billing system. Information needed for price recalculation associated with the customer request is input into the yield management system. The yield management system recalculates pricing data with in a manner consistent with a pricing strategy implemented by the yield management system, so that price changes caused by a reduction in available inventory due to the customer request are taken into account, and the pricing data accessed by the price forecasting system when a price quotation is generated is updated prior to repeating the process for a subsequent customer request. This method provides more accurate pricing than known systems where order information must be entered manually before a price recalculation can take place, and the yield management system overestimates the amount of available inventory. If the customer request comprises a reservation having an associated probability of later becoming an order, the reservation is taken into account when recalculating prices based on available inventory. Such a process may be integrated for an enterprise made up of a number of member stations each having associated inventory for sale.

A platform for providing real-time promotions determines a customer interested in a product or service. The platform identifies customer information associated with the customer, as well as a set of products of interest to the customer. The platform identifies a supplier or advertiser associated with each of the products and receives promotion bids from one or more of the suppliers or advertisers. The platform generates a score for each of the received promotion bids, selects at least one of the promotion bids for transmission to the mobile device, and transmits the selected at least one promotion bids to the mobile device. The platform tracks customer behavior associated with the at least one promotion bids and provides the tracked behavior information back to the suppliers or advertisers.

A call and web-based analytics system that optimizes advertising conversion includes collection of call and web-based transaction information to establish digital entity based on customer transaction history. The collection of call and web-based data establishes buyer purchasing cycle scorecard that reflects the buyer's transactional history. Advertisers can search, match and/or bid for customers that meet the criteria based on both call and web-based transactional history. Ads are delivered based on customer buying cycle process stage to match the timing of purchase and buying cycle. Optimized response rates and sales conversions are achieved by targeting matched ads during the customer purchasing cycle stage based on matched customer transactional history and collected customer profile information.

The embodiment of the invention provides a method and a system for authenticating mobile banking client information, and a mobile terminal. The method comprises a mobile banking customer information binding step and a mobile banking login information authenticating step, wherein the mobile banking customer information binding step comprises the following sub-steps of: establishing a binding relationship between mobile phone subscriber identity module (SIM) card information and mobile banking registered customer information, and establishing a binding relationship between mobile phone hardware information and the mobile banking registered customer information; and the mobile banking login information authenticating step comprises the following sub-steps of: acquiring the SIM card information and the hardware information of a login mobile phone, and judging whether the SIM card information and the hardware information of the login mobile phone are matched with the mobile phone SIM card information and the hardware information in the corresponding binding relationship, if so, passing the login information authentication, otherwise, failing to pass the login information authentication. The problem of security of mobile banking system information at the client is solved.