Abstract: A fraud detection system and method uses unique indicators for detecting fraud that extend beyond traditional transaction-based indicators. These unique indicators may include environmental information about a customer or a transaction. Such indicators may be used to identify fraud events based on computer-executable instructions that evaluate fraud risk. Further, an improved fraud detection system may include a learning component with a feedback loop. Also, authenticating and other information may be directed to the system for updating indicating data, fraud models, and risk assessments.

Abstract: A system is disclosed for facilitating relationship-centric authorization of transactions in a manner which provides optimum scalability and availability by logically partitioning wallets in conjunction with partitioning a resource associated with a group of consumers.

Abstract: A system is disclosed for facilitating relationship-centric authorization of transactions in a manner which provides optimum scalability and availability by logically partitioning key servers in conjunction with partitioning a resource associated with a group of consumers across the set of logical servers associated therewith.

Abstract: A system and method for computerized metering, rating, billing and managing of account balances on an end computing device is disclosed herein wherein the end device may facilitate such processing whether the device is connected or is not connected to a network. The end device, furthermore, initiates communications with a host processor to obtain updated algorithms, rating tables and other accouterments necessary or desired to meter, rate, and process payments for transaction events. The end device initiates communications with the host processor or another end device to facilitate the synchronization of usage for pricing plans that span one or more devices.

Abstract: An e-Care dispenser is disclosed herein which configures a set of devices to cooperatively process care requests by utilizing functional aspects distributed throughout those devices. The devices can be end user devices with varying capabilities, some of which might not possess resources to process the care request independently. The functional aspects can be distributed throughout the devices in such a manner as to efficiently utilize the devices in providing care.

Abstract: A system and method for implementing functions customized for a branded company are disclosed. A data platform includes a function database which initially receives, and stores, a standardized interface module, such as an application programming interface (API). The standardized interface module includes a plurality of elements, a subset of the elements required for function implementation and a second subset of the elements which can optionally be used to implement a function. A creation module communicates with the function database and modifies the standardized interface module, such as by selecting or removing optional elements from the standardized interface module to create a brand-specific interface. As the brand-specific interface includes the required elements and optional elements, a single system designed to process the required elements and the optional elements in the standardized interface can be used to implement multiple brand-specific interfaces which include different optional components.

Abstract: A framework to transition and re-partition information for event processing and downstream processing can be used in a real time system comprising components such as a consumer server, a file control database, an event manager, an event store, and a configurable output stream. The event manager may be a process which can be enhanced through the use of tags which are inserted to provide information for various downstream systems. The configurable output stream can be defined through an application programming interface which is configured to receive a filter to be applied to the output.

Abstract: There is disclosed a system and method for creating value by facilitating third party participation in mobile commerce transactions, providing consumers with a unified perspective of commercial activity, and selectively implementing discounts. The system may include a computerized engine and a point of sale wallet, which may be embedded in a personal trusted device. The computerized engine may be programmed to selectively implement a discount associated with a particular transaction. The personal trusted device may comprise a wireless communications technology, which enables the device to communicate with a back-end system and/or other point of sale devices. The personal trusted device may serve as the nexus of consumer transactions by facilitating payment as well as receipt and storage of electronic receipts. The personal trusted device may also be configured to transmit electronic receipts via the communications technology.

Abstract: An expert system adapted dedicated Internet access guidance engine. The invention allows an agent to interact with a customer and to provide selection and recommendation of data network products and/or services for the customer. The invention allows for the use of agents of varying skill levels, including relatively low skill level, without suffering deleterious performance. The dedicated Internet access guidance engine is operable to perform selection and rating of Internet access products and/or services to provide a solution that meets the needs of a customer. The dedicated Internet access guidance engine is operable to select recommended solutions from among a number of potential solutions that may include compatible solutions. The dedicated Internet access guidance engine is one of the underlying engines within the expert system that allows the agent to provide real time interaction with a customer and to provide a real time recommended solution to that customer.

Abstract: There is disclosed a simplified rating language for crafting price plans for ratable events which may be interpreted by either a source level interpreter resident upon a device also comprising a device based rating engine or via a virtual machine designed for said rating language.

Abstract: A system is disclosed for facilitating relationship-centric authorization of transactions in a manner which provides optimum scalability and availability by logically partitioning wallets in conjunction with partitioning a resource associated with a group of consumers.

Abstract: A system is disclosed for facilitating relationship-centric authorization of transactions in a manner which provides optimum scalability and availability by logically partitioning key servers in conjunction with partitioning a resource associated with a group of consumers across the set of logical servers associated therewith.