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1.发明申请Systems and Methods to Provide Benefits of Account Features to Account Holders 有权为帐户持有人提供帐户功能的优点的系统和方法公开(公告)号：US20110029430A1
公开(公告)日：2011-02-03
申请号：US12845591
申请日：2010-07-28
申请人： Mark Norris , Shaun Bodington , Nicola Stiff , Ray Olson , Janet Martin , Rosann Woods , John Carr
发明人： Mark Norris , Shaun Bodington , Nicola Stiff , Ray Olson , Janet Martin , Rosann Woods , John Carr
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q30/02 , G06Q30/0224 , G06Q40/00
摘要： Systems and methods are provided to facilitate the sharing of account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to record the transactions and store account data identifying account features of separate accounts, such as a second account having a feature and a first account without this feature. Account holders of the first and second accounts are in a same household and thus, in accordance with a set of rules, eligible to share the account features. A portal is configured to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit; and if so, a notification engine is to transmit a notification message to an account holder of the first account.
摘要翻译： 提供系统和方法以便于共享帐户功能。 在一个方面，系统包括用于处理事务的事务处理程序和用于记录事务的数据仓库，并且存储识别单独帐户的帐户特征的帐户数据，例如具有特征的第二帐户和没有该特征的第一帐户。 帐户持有人的第一和第二个帐户在同一个家庭，因此，根据一套规则，有资格共享帐户功能。 门户被配置为接收标识第一帐户的请求，并且确定在第一帐户中发起的并且为了帐户特征的利益而获得资格的交易是否有权获得利益; 如果是，通知引擎将通知消息发送到第一帐户的账户持有者。
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2.发明申请公开(公告)号：US20110029367A1
公开(公告)日：2011-02-03
申请号：US12845645
申请日：2010-07-28
申请人： Ray Olson , Janet Martin , Shaun Bodington , Nicola Stiff , Mark Norris , Rosann Woods , John Carr
发明人： Ray Olson , Janet Martin , Shaun Bodington , Nicola Stiff , Mark Norris , Rosann Woods , John Carr
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q30/02 , G06Q30/0224 , G06Q40/00
摘要： Systems and methods are provided to facilitate the generation and notification of transactions associated with account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to store transaction data recording the transactions, account data identifying at least one account feature of an account, and rules data identifying at least one qualification requirement. The system further includes a feature offer engine to use the rules data to monitor the transactions in the account to identify a first transaction, a notification engine to provide the account holder with an offer associated with a first account feature in real time with processing of the first transaction, and a portal to receive an approval of a second transaction in accordance with the offer.
摘要翻译： 提供系统和方法以便于生成和通知与帐户特征相关联的交易。 一方面，系统包括用于处理事务的事务处理程序和用于存储记录事务的事务数据的数据仓库，识别帐户的至少一个帐户特征的帐户数据以及标识至少一个资格要求的规则数据。 该系统还包括功能提供引擎，以使用规则数据来监视帐户中的交易以识别第一交易;通知引擎，用于向客户持有人实时提供与第一帐户特征相关联的报价， 第一笔交易，以及根据要约收到第二笔交易批准的门户。
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3.发明授权Systems and methods to provide benefits of account features to account holders 有权向帐户持有人提供帐户功能的系统和方法公开(公告)号：US08266031B2
公开(公告)日：2012-09-11
申请号：US12845591
申请日：2010-07-28
申请人： Mark Norris , Shaun Bodington , Nicola Stiff , Raymond Olson , Janet Martin , Rosann Woods , John Carr
发明人： Mark Norris , Shaun Bodington , Nicola Stiff , Raymond Olson , Janet Martin , Rosann Woods , John Carr
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q30/02 , G06Q30/0224 , G06Q40/00
摘要： Systems and methods are provided to facilitate the sharing of account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to record the transactions and store account data identifying account features of separate accounts, such as a second account having a feature and a first account without this feature. Account holders of the first and second accounts are in a same household and thus, in accordance with a set of rules, eligible to share the account features. A portal is configured to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit; and if so, a notification engine is to transmit a notification message to an account holder of the first account.
摘要翻译： 提供系统和方法以便于共享帐户功能。 在一个方面，系统包括用于处理事务的事务处理程序和用于记录事务的数据仓库，并且存储识别单独帐户的帐户特征的帐户数据，例如具有特征的第二帐户和没有该特征的第一帐户。 帐户持有人的第一和第二个帐户在同一个家庭，因此，根据一套规则，有资格共享帐户功能。 门户被配置为接收标识第一帐户的请求，并且确定在第一帐户中发起的并且为了帐户特征的利益而获得资格的交易是否有权获得利益; 如果是，通知引擎将通知消息发送到第一帐户的账户持有者。
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公开(公告)号：US20130054463A1
公开(公告)日：2013-02-28
申请号：US13586752
申请日：2012-08-15
申请人： Ray Olson , David White , Shaun Bodington , Jie Feng
发明人： Ray Olson , David White , Shaun Bodington , Jie Feng
CPC分类号： G06Q20/0855 , G06Q20/34 , G06Q20/405 , G06Q30/06
摘要： Embodiments of the present invention include a dynamic and auditable rules-based spend requirement management (SRM) server configured to receive transaction data associated with a payment transaction involving an issuer of an account, where the account is associated with a first set of account level requirements (e.g., a minimum spend requirement) and a first interchange rate. The SRM is further configured to determine that the transaction data is not within the first set of account level requirements, but is within a second set of account level requirements associated with a second interchange rate, and associate the account to the second set of account level requirements by way of a final product identifier stored in a database accessible by a payment processing network (PPN).
摘要翻译： 本发明的实施例包括动态和可审计的基于规则的花费需求管理（SRM）服务器，其被配置为接收与涉及帐户的发行者的支付交易相关联的交易数据，其中所述帐户与第一组帐户级别要求相关联 （例如，最低支出要求）和第一个交换费率。 SRM还被配置为确定交易数据不在第一组帐户级别要求内，但是处于与第二交换费用相关联的第二组帐户级别要求中，并且将帐户与第二组帐户级别相关联 通过存储在可由支付处理网络（PPN）访问的数据库中的最终产品标识符的要求。
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公开(公告)号：US20080082418A1
公开(公告)日：2008-04-03
申请号：US11862487
申请日：2007-09-27
CPC分类号： G06Q30/02 , G06Q30/0207 , G06Q30/0234
摘要： A set of conditional rewards are associated with a consumer. Thereafter, notice of a reward is given for each of the consumer's transactions upon one of the consumer's accounts that satisfies one of the conditional rewards in the set. The set may be selected by the consumer, or by the issuer such as when the issuer uses a transaction history of purchases made on the consumer's account to determine the set of conditional rewards that would match a past purchasing trend of the consumer. A Globally Unique Identifier, unique within a plurality of transaction processing systems, can be associated with the consumer and used to match the transactions to a corresponding conditional reward.
摘要翻译： 一组条件奖励与消费者相关联。 此后，在符合该集合中的一项有条件奖励的消费者帐户之一上，每个消费者的交易都会发出奖励通知。 该集合可以由消费者或发行人选择，例如当发行人使用消费者账户进行的购买交易历史来确定与过去的消费者购买趋势相匹配的一组条件奖励时。 在多个事务处理系统中唯一的全局唯一标识符可以与消费者相关联，并用于将事务匹配到相应的条件报酬。
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公开(公告)号：US20100211445A1
公开(公告)日：2010-08-19
申请号：US12688653
申请日：2010-01-15
申请人： Shaun Bodington
发明人： Shaun Bodington
CPC分类号： G06Q30/0215 , G06Q20/102 , G06Q30/02 , G06Q30/0227 , G06Q40/02
摘要： A set of accounts usable for cashless transactions are electronically linked together. The accounts in the set may be associated with different accountholders, issuers, financial institutions, transaction handlers, or combinations thereof. A stakeholder sets up rules that govern, in part, processing of cashless transactions upon the accounts in the set. The rules alter routing of the cashless transaction from one account to another in the set. Loyalty features are determined accordingly. In one implementation, the rule alters the routing of the cashless transaction to optimize a loyalty feature. Amounts spent in transactions upon the accounts in the account set may be tracked, analyzed or reported on to create targeted offers. Fulfillment of the targeted offers may be conditioned on validating that the actual spend upon the accounts in the set match a predetermined threshold.
摘要翻译： 一套可用于无现金交易的账户以电子方式联系在一起。 该集合中的账户可能与不同的账户持有人，发行人，金融机构，交易处理程序或其组合相关联。 一个利益相关者制定了在该集合中的帐户上部分处理无现金交易的规则。 规则将无条件交易的路由从一个帐户转移到另一个帐户中。 忠诚度特征被确定。 在一个实现中，规则改变了无现金交易的路由以优化忠诚度特征。 可以跟踪，分析或报告帐户中账户上交易的金额，以创建有针对性的优惠。 有针对性的优惠的实现可以在验证集合中的帐户的实际支出与预定阈值相匹配的条件。
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公开(公告)号：US20080195473A1
公开(公告)日：2008-08-14
申请号：US11688423
申请日：2007-03-20
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0239 , G06Q30/02
摘要： A method for managing rewards programs is disclosed. The method includes reviewing a plurality of offers from a plurality of merchants on a host site via the Internet. The offers are associated with rewards to consumers after the consumers use their portable consumer devices. An offer from the plurality of offers is selected and a customized offer element including the offer and an identifier of an issuer that selected the offer is generated.
摘要翻译： 公开了一种管理奖励计划的方法。 该方法包括通过因特网来审查来自主机站点上的多个商家的多个提议。 这些优惠与消费者使用便携式消费者设备后的消费者相关。 选择来自多个报价的报价，并且生成包括提供的定制报价元素以及选择该报价的发行者的标识符。
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公开(公告)号：US10121152B2
公开(公告)日：2018-11-06
申请号：US11862487
申请日：2007-09-27
IPC分类号： G06Q30/02
摘要： A set of conditional rewards are associated with a consumer. Thereafter, notice of a reward is given for each of the consumer's transactions upon one of the consumer's accounts that satisfies one of the conditional rewards in the set. The set may be selected by the consumer, or by the issuer such as when the issuer uses a transaction history of purchases made on the consumer's account to determine the set of conditional rewards that would match a past purchasing trend of the consumer. A Globally Unique Identifier, unique within a plurality of transaction processing systems, can be associated with the consumer and used to match the transactions to a corresponding conditional reward.
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公开(公告)号：US20120036073A1
公开(公告)日：2012-02-09
申请号：US13188045
申请日：2011-07-21
申请人： Gourab Basu , Shaun Bodington , Ross Sakata , Michael Mori
发明人： Gourab Basu , Shaun Bodington , Ross Sakata , Michael Mori
IPC分类号： G06Q40/00
摘要： Techniques for providing an intelligent estimated amount for authorization include receiving a request to calculate an estimated amount for a transaction where the final amount is not known at the time of authorization. A payment processing network calculates the estimated amount based on several factors associated with the transaction and provides the estimated amount to an issuer for authorization.
摘要翻译： 用于提供用于授权的智能估计量的技术包括接收在授权时计算最终数量未知的交易的估计量的请求。 支付处理网络基于与交易相关联的几个因素来计算估计金额，并将估计金额提供给发行人以进行授权。
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公开(公告)号：US08682719B2
公开(公告)日：2014-03-25
申请号：US11688423
申请日：2007-03-20
IPC分类号： G06Q30/00 , G05B19/418
CPC分类号： G06Q30/0239 , G06Q30/02
摘要： A method for managing rewards programs is disclosed. The method includes reviewing a plurality of offers from a plurality of merchants on a host site via the Internet. The offers are associated with rewards to consumers after the consumers use their portable consumer devices. An offer from the plurality of offers is selected and a customized offer element including the offer and an identifier of an issuer that selected the offer is generated.
摘要翻译： 公开了一种管理奖励计划的方法。 该方法包括通过因特网来审查来自主机站点上的多个商家的多个提议。 这些优惠与消费者使用便携式消费者设备后的消费者相关。 选择来自多个报价的报价，并且生成包括提供的定制报价元素以及选择该报价的发行者的标识符。
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