Abstract: A method and system is disclosed herein for decoupling billing for web services from the application logic which governs those web services by instrumenting a web services stack to monitor SOAP envelopes for pre-determined elements and to use those elements to determine questions as to authorization for solvency as well as calculate charges for said web services.

Abstract: A method and system for managing financial risk through the use of postpaid processing during use of wireless services is presented within the scope of the following invention. The present invention uses credit card authorization to pre-reserve credit card funds for wireless services in excess of planned usage. Authorizations eliminate the credit risk associated with overages and payment timing, and also maintain a customer experience identical to postpaid processing. The authorizations are invisible to the customer and no charge is brought to a customer's credit card until the monthly bill is settled. Separating the authorization and settlement stages of retail wireless payment processing allows the branded wireless provider to avoid inherent areas of credit risk during the tenure of a customer's wireless service, while maintaining a familiar customer experience.

Abstract: A method and system is disclosed herein for decoupling billing for web services from the application logic which governs those web services by instrumenting a web services stack to monitor SOAP envelopes for pre-determined elements and to use those elements to determine questions as to authorization for solvency as well as calculate charges for said web services.

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 method and system for managing financial risk through the use of postpaid processing during use of wireless services is presented within the scope of the following invention. The present invention uses credit card authorization to pre-reserve credit card funds for wireless services in excess of planned usage. Authorizations eliminate the credit risk associated with overages and payment timing, and also maintain a customer experience identical to postpaid processing. The authorizations are invisible to the customer and no charge is brought to a customer's credit card until the monthly bill is settled. Separating the authorization and settlement stages of retail wireless payment processing allows the branded wireless provider to avoid inherent areas of credit risk during the tenure of a customer's wireless service, while maintaining a familiar customer experience.

Abstract: There is disclosed a device-based eCare solution that facilitates computerized consumer service on consumer devices. The system may include an end device, a back-end server eCare system, and a communications technology. One or more consumer eCare applications, such as balance and pricing applications, consumer assistance applications, diagnostic applications, and anticipatory applications, may be resident on the device. The end device may be configured to monitor the consumer's activity and collect and store a set of data regarding the consumer's activity. The end device may be further programmed to proactively offer the consumer a consumer eCare application based on the set of data and execute the consumer eCare application in accordance with the consumer's instructions. The system may create a collaborative environment between the device, other devices, and the back-end server eCare system.

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: There is disclosed a system and method for processing requests over an architecture. The architecture may utilize logical partitioning to distribute work load across multiple logical servers in an efficient manager. The system may comprise a router, a directory, at least one logical server, and a wallet server. The router may receive a request from a consumer via the consumer's device and extract a value from the request that identifies the consumer. The router may access the directory, which may contain a map that matches consumers with logical servers, to determine which logical server to forward the request to. The router may then pass the request to the determined logical server. The logical server may process the request by utilizing both generic and network or market specific plug-in processing.

Abstract: Embodiments of an invention are disclosed which provide a framework to transition and re-partition information for event processing and downstream processing.

Abstract: A comprehensive electronic business support system comprises three layers: (1) the business layer, including various smart components which unify data and business processes across all customer interactions; (2) the integration layer, including various communications messaging interfaces and enterprise application integration adapters, which provide a flexible, automated, and process driven solution for integrating across business applications and operations support systems; and (3) the presentation layer, including various customer views, which are presented via particular business portals. A smart component server provides the core services and comprehensive business process logic required to successfully conduct business online. The communications messaging interfaces integrate with back-office systems for functions such as billing, provisioning, and interconnection.