Registers – Systems controlled by data bearing records – Banking systems
Reexamination Certificate
2008-09-16
2010-02-16
Rudy, Andrew Joseph (Department: 3687)
Registers
Systems controlled by data bearing records
Banking systems
C235S380000, C705S030000, C705S035000
Reexamination Certificate
active
07661585
ABSTRACT:
A computer-implemented method, including receiving information regarding a transaction involving an individual and involving an account, wherein the information regarding the transaction is received by a receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction, processing the information regarding the transact on with a processing device, generating a report or a message in response to the processing of the information regarding the transaction, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the individual or involving the account, and transmitting the report or the message to a communication device associated with a merchant, vendor, or provider of a good, product, or service.
REFERENCES:
patent: 5532464 (1996-07-01), Josephson et al.
patent: 5691524 (1997-11-01), Josephson
patent: 5783808 (1998-07-01), Josephson
patent: 6230145 (2001-05-01), Verderamo et al.
patent: 7529698 (2009-05-01), Joao
U.S. Appl. No. 60/262,167, filed Jan. 10, 2001. Inventor: Raymond Anthony Joao.
Joao, Esq. Raymond A.
Rudy Andrew Joseph
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