WO2010059840A3 - System and method using a transaction aggregator, superkeys and subkeys - Google Patents

System and method using a transaction aggregator, superkeys and subkeys Download PDF

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Publication number
WO2010059840A3
WO2010059840A3 PCT/US2009/065167 US2009065167W WO2010059840A3 WO 2010059840 A3 WO2010059840 A3 WO 2010059840A3 US 2009065167 W US2009065167 W US 2009065167W WO 2010059840 A3 WO2010059840 A3 WO 2010059840A3
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WO
WIPO (PCT)
Prior art keywords
transaction level
level data
user
transaction
data
Prior art date
Application number
PCT/US2009/065167
Other languages
French (fr)
Other versions
WO2010059840A2 (en
Inventor
Melyssa Barrett
Joe Scott
Nancy Hilgers
Kevin Siegel
Original Assignee
Visa International Service Association
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa International Service Association filed Critical Visa International Service Association
Publication of WO2010059840A2 publication Critical patent/WO2010059840A2/en
Publication of WO2010059840A3 publication Critical patent/WO2010059840A3/en

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/403Solvency checks
    • G06Q20/4037Remote solvency checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24Querying
    • G06F16/245Query processing
    • G06F16/2455Query execution
    • G06F16/24553Query execution of query operations
    • G06F16/24554Unary operations; Data partitioning operations
    • G06F16/24556Aggregation; Duplicate elimination
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00Administration; Management
    • G06Q10/06Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/067Enterprise or organisation modelling
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means

Abstract

Systems and methods for providing aggregated transaction level data for particular users to multiple information requesters are disclosed. Subkeys are assigned to user inquiries from multiple information requesters and a superkey is assigned to link them to a user identifier, such as a Social Security number. Account data is obtained based on the superkey and the user identifier. Based on the requests of one or more information requesters, an aggregator server can request transaction level data for all accounts associated with a particular user or a group of users from a transaction database. The aggregator server can then parse the transaction level data based on a number of transaction level data elements and information requester input. The parsed raw transaction level data can be used to determine a number of transaction level data aggregates. User inquiry response files containing transaction level aggregate data can be sent to the information requesters.
PCT/US2009/065167 2008-11-19 2009-11-19 System and method using a transaction aggregator, superkeys and subkeys WO2010059840A2 (en)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US11620708P 2008-11-19 2008-11-19
US61/116,207 2008-11-19
US12/616,048 US9818118B2 (en) 2008-11-19 2009-11-10 Transaction aggregator
US12/616,048 2009-11-10
US12/616,028 US20100125546A1 (en) 2008-11-19 2009-11-10 System and method using superkeys and subkeys
US12/616,028 2009-11-10

Publications (2)

Publication Number Publication Date
WO2010059840A2 WO2010059840A2 (en) 2010-05-27
WO2010059840A3 true WO2010059840A3 (en) 2010-09-16

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/065167 WO2010059840A2 (en) 2008-11-19 2009-11-19 System and method using a transaction aggregator, superkeys and subkeys

Country Status (2)

Country Link
US (3) US9818118B2 (en)
WO (1) WO2010059840A2 (en)

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