公开(公告)号：US07725394B2

公开(公告)日：2010-05-25

申请号：US11614747

申请日：2006-12-21

申请人： Raghav Lal ,  Christopher P. Aguas

发明人： Raghav Lal ,  Christopher P. Aguas

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0207 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0213 ,  G06Q30/06 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a business transaction using a payment processing network is disclosed. The method includes sending an authorization request message including an authorization request to an issuer, where the authorization request message originates from a business consumer purchasing goods or services from an oligopolistic business entity. The issuer sends an authorization response message indicating that the authorization request is approved or not approved. Economic incentives associated with the business transaction are provided to the oligopolistic business entity or the business consumer for conducting the business transaction, wherein the incentive would not be available in a transaction between a non-oligopolistic business entity and the business consumer. A method for encouraging use of electronic payment methods is also disclosed, wherein an oligopolistic entity and a group of business consumers in an industry vertical are identified based on sales information, and an economic incentive is provided to the oligopolistic business entity after it agrees to accept electronic payment transactions for conducting business with the group of business consumers.

摘要翻译： 公开了一种使用支付处理网络进行商业交易的方法。 该方法包括向发行者发送包括授权请求的授权请求消息，其中授权请求消息源于从垄断商业实体购买商品或服务的商业消费者。 颁发者发送一个授权响应消息，指示授权请求被批准或未被批准。 向寡头垄断商业实体或商业消费者提供与商业交易相关的经济激励，用于进行商业交易，其中在非寡头垄断商业实体与商业消费者之间的交易中不能获得激励。 还公开了一种鼓励使用电子支付方式的方法，其中基于销售信息确定了行业垂直的寡头垄断实体和一组商业消费者群体，并在垄断企业实体同意接受后提供经济激励 与业务消费者群体进行业务的电子支付交易。

公开(公告)号：US20130191192A1

公开(公告)日：2013-07-25

申请号：US13725876

申请日：2012-12-21

申请人： Raghav Lal ,  Christopher P. Aguas

发明人： Raghav Lal ,  Christopher P. Aguas

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0207 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0213 ,  G06Q30/06 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a business transaction using a payment processing network is disclosed. The method includes sending an authorization request message including an authorization request to an issuer, where the authorization request message originates from a business consumer purchasing goods or services from an oligopolistic business entity. The issuer sends an authorization response message indicating that the authorization request is approved or not approved. Economic incentives associated with the business transaction is provided to the oligopolistic business entity or the business consumer for conducting the business transaction, wherein the incentive would not be available in a transaction between a non-oligopolistic business entity and the business consumer. A method for encouraging use of electronic payment methods is also disclosed, wherein an oligopolistic entity and a group of business consumers in an industry vertical are identified based on sales information, and an economic incentive is provided to the oligopolistic business entity after it agrees to accept electronic payment transactions for conducting business with the group of business consumers.

摘要翻译： 公开了一种使用支付处理网络进行商业交易的方法。 该方法包括向发行者发送包括授权请求的授权请求消息，其中授权请求消息源于从垄断商业实体购买商品或服务的商业消费者。 颁发者发送一个授权响应消息，指示授权请求被批准或未被批准。 向寡头垄断商业实体或商业消费者提供与商业交易相关的经济激励，用于进行商业交易，其中在非寡头垄断商业实体与商业消费者之间的交易中不能获得激励。 还公开了一种鼓励使用电子支付方式的方法，其中基于销售信息确定了行业垂直的寡头垄断实体和一组商业消费者群体，并在垄断企业实体同意接受后提供经济激励 与业务消费者群体进行业务的电子支付交易。

公开(公告)号：US08364592B2

公开(公告)日：2013-01-29

申请号：US12755988

申请日：2010-04-07

申请人： Raghav Lal ,  Christopher P. Aguas

发明人： Raghav Lal ,  Christopher P. Aguas

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0207 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0213 ,  G06Q30/06 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a business transaction using a payment processing network is disclosed. The method includes sending an authorization request message including an authorization request to an issuer, where the authorization request message originates from a business consumer purchasing goods or services from an oligopolistic business entity. The issuer sends an authorization response message indicating that the authorization request is approved or not approved. Economic incentives associated with the business transaction is provided to the oligopolistic business entity or the business consumer for conducting the business transaction, wherein the incentive would not be available in a transaction between a non-oligopolistic business entity and the business consumer. A method for encouraging use of electronic payment methods is also disclosed, wherein an oligopolistic entity and a group of business consumers in an industry vertical are identified based on sales information, and an economic incentive is provided to the oligopolistic business entity after it agrees to accept electronic payment transactions for conducting business with the group of business consumers.

摘要翻译： 公开了一种使用支付处理网络进行商业交易的方法。 该方法包括向发行者发送包括授权请求的授权请求消息，其中授权请求消息源于从垄断商业实体购买商品或服务的商业消费者。 颁发者发送一个授权响应消息，指示授权请求被批准或未被批准。 向寡头垄断商业实体或商业消费者提供与商业交易相关的经济激励，用于进行商业交易，其中在非寡头垄断商业实体与商业消费者之间的交易中不能获得激励。 还公开了一种鼓励使用电子支付方式的方法，其中基于销售信息确定了行业垂直的寡头垄断实体和一组商业消费者群体，并在垄断企业实体同意接受后提供经济激励 与业务消费者群体进行业务的电子支付交易。

公开(公告)号：US20100198669A1

公开(公告)日：2010-08-05

申请号：US12755988

申请日：2010-04-07

申请人： Raghav Lal ,  Christopher P. Aguas

发明人： Raghav Lal ,  Christopher P. Aguas

IPC分类号： G06Q30/00 ,  G06Q20/00

CPC分类号： G06Q30/0207 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0213 ,  G06Q30/06 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a business transaction using a payment processing network is disclosed. The method includes sending an authorization request message including an authorization request to an issuer, where the authorization request message originates from a business consumer purchasing goods or services from an oligopolistic business entity. The issuer sends an authorization response message indicating that the authorization request is approved or not approved. Economic incentives associated with the business transaction is provided to the oligopolistic business entity or the business consumer for conducting the business transaction, wherein the incentive would not be available in a transaction between a non-oligopolistic business entity and the business consumer. A method for encouraging use of electronic payment methods is also disclosed, wherein an oligopolistic entity and a group of business consumers in an industry vertical are identified based on sales information, and an economic incentive is provided to the oligopolistic business entity after it agrees to accept electronic payment transactions for conducting business with the group of business consumers.

摘要翻译： 公开了一种使用支付处理网络进行商业交易的方法。 该方法包括向发行者发送包括授权请求的授权请求消息，其中授权请求消息源于从垄断商业实体购买商品或服务的商业消费者。 颁发者发送一个授权响应消息，指示授权请求被批准或未被批准。 向寡头垄断商业实体或商业消费者提供与商业交易相关的经济激励，用于进行商业交易，其中在非寡头垄断商业实体与商业消费者之间的交易中不能获得激励。 还公开了一种鼓励使用电子支付方式的方法，其中基于销售信息确定了行业垂直的寡头垄断实体和一组商业消费者群体，并在垄断企业实体同意接受后提供经济激励 与业务消费者群体进行业务的电子支付交易。

公开(公告)号：US10685384B2

公开(公告)日：2020-06-16

申请号：US13345448

申请日：2012-01-06

申请人： Donald W. Kemp ,  Christopher P. Aguas ,  Brian O'Neale Bettinger ,  Thomas G. Romary ,  Hugh Herrick Birch

发明人： Donald W. Kemp ,  Christopher P. Aguas ,  Brian O'Neale Bettinger ,  Thomas G. Romary ,  Hugh Herrick Birch

IPC分类号： G06Q30/00 ,  G06Q30/06 ,  G06Q50/14

摘要： A computer-based method and system for tracking a price change of a purchase made using a transaction card over an interchange network is provided. The interchange network includes a price tracking computer device in communication with a memory device. The method includes receiving, at the interchange network, transaction data associated with a purchase of an item by a cardholder using the transaction card, transmitting via the interchange network an authorization message in response to the purchase of the item, directing at least some of the transaction data to the price tracking computer device including a purchase price of the item, and using the price tracking computer device to track changes in a current asking price of the item, and compare the purchase price of the item to the current asking price of the item.

公开(公告)号：US20080255940A1

公开(公告)日：2008-10-16

申请号：US11960281

申请日：2007-12-19

申请人： Bruno D. Perreault ,  Christopher P. Aguas ,  Jay A. Coisman ,  Brigette A. White ,  Theresa Ann Erickson ,  James E. Pastrana

发明人： Bruno D. Perreault ,  Christopher P. Aguas ,  Jay A. Coisman ,  Brigette A. White ,  Theresa Ann Erickson ,  James E. Pastrana

IPC分类号： G06Q20/00 ,  G06Q99/00

CPC分类号： G06Q30/0226 ,  G06Q20/02 ,  G06Q20/023 ,  G06Q20/12 ,  G06Q30/02 ,  G06Q30/0234

摘要： A method includes receiving data that represents purchase transactions received from acquirer financial institutions. The method further includes identifying, from the received data, purchase transactions that qualify for customer rebates. The method further includes transmitting rebate data to certain ones of the acquirer financial institutions. The rebate data identifies the purchase transactions that qualify for customer rebates.

摘要翻译： 一种方法包括接收表示从收单金融机构收到的购买交易的数据。 该方法还包括从接收到的数据中识别符合顾客回扣的购买交易。 该方法还包括将回扣数据传送给某些收购方金融机构。 回扣数据确定符合客户回扣条件的购买交易。

公开(公告)号：US20120226570A1

公开(公告)日：2012-09-06

申请号：US13345448

申请日：2012-01-06

申请人： Donald W. Kemp ,  Christopher P. Aguas ,  Brian O'Neale Bettinger ,  Thomas G. Romary ,  Hugh Herrick Birch

发明人： Donald W. Kemp ,  Christopher P. Aguas ,  Brian O'Neale Bettinger ,  Thomas G. Romary ,  Hugh Herrick Birch

IPC分类号： G06Q30/06 ,  G06Q50/14

摘要： A computer-based method and system for tracking a price change of a purchase made using a transaction card over an interchange network is provided. The interchange network includes a price tracking computer device in communication with a memory device. The method includes receiving, at the interchange network, transaction data associated with a purchase of an item by a cardholder using the transaction card, transmitting via the interchange network an authorization message in response to the purchase of the item, directing at least some of the transaction data to the price tracking computer device including a purchase price of the item, and using the price tracking computer device to track changes in a current asking price of the item, and compare the purchase price of the item to the current asking price of the item.

摘要翻译： 提供了一种基于计算机的方法和系统，用于跟踪通过交换网络使用交易卡进行的购买的价格变化。 交换网络包括与存储设备通信的价格跟踪计算机设备。 该方法包括在交换网络处接收与持卡人使用交易卡购买商品相关的交易数据，经由交换网络发送响应购买该商品的授权消息，指示至少一些 将价格跟踪计算机装置的交易数据包括商品的购买价格，并且使用价格跟踪计算机装置跟踪该商品的当前要价的变化，并将该商品的购买价格与该商品的当前要价进行比较 项目。