公开(公告)号：US20070185802A1

公开(公告)日：2007-08-09

申请号：US11461394

申请日：2006-07-31

Applicant: Sarah Harrison ,  Jason Jagatic ,  Sunil Sachdev

Inventor： Sarah Harrison ,  Jason Jagatic ,  Sunil Sachdev

IPC: G06Q40/00

CPC classification number: G06Q30/02 ,  G06F19/328 ,  G06Q10/10 ,  G06Q20/342 ,  G06Q20/363 ,  G06Q20/387 ,  G06Q30/04 ,  G06Q40/10 ,  G07F7/025 ,  G07F7/0866

Abstract: A computer-implemented method and system to facilitate a purchase by a cardmember using a transaction instrument associated with a tax-advantaged account, wherein the tax-advantaged account is associated with a healthcare plan. A request is received from a merchant to charge the tax-advantaged account for a transaction associated with the transaction instrument. A determination is made whether the charge is for a covered tax-advantaged expense The tax-advantaged account is credited with healthcare plan related points associated with the value of the charge only if the charge is determined to be for a covered tax-advantaged expense. The tax-advantaged account is also credited with transaction instrument related points associated with the value of the charge only if the charge is determined to be for a covered tax-advantaged expense.

Abstract translation: 一种计算机实现的方法和系统，用于促进由使用与有利税的帐户相关联的交易工具的卡成员进行购买，其中所述有利税的帐户与医疗计划相关联。 收到来自商家的请求，以向与所述交易工具相关联的交易的所述有利税的账户收取费用。 确定费用是否适用于具有税收优惠的费用如果该费用被确定为涉及税收优惠费用，那么税收优惠账户将被收取与收费价值相关的医疗保健计划相关积分。 只有当费用被确定为适用于有关税收优惠的费用时，税收优惠账户也被记入与收费价值相关的交易工具相关点。

公开(公告)号：US20070011088A1

公开(公告)日：2007-01-11

申请号：US11275401

申请日：2005-12-29

Applicant: Christopher CRACCHIOLO ,  Jason Jagatic ,  Ahana Kalappa ,  Mark Keck ,  Shari Pincock ,  Todd Reynders ,  Sunil Sachdev

Inventor： Christopher CRACCHIOLO ,  Jason Jagatic ,  Ahana Kalappa ,  Mark Keck ,  Shari Pincock ,  Todd Reynders ,  Sunil Sachdev

IPC: G06Q40/00 ,  G06Q10/00 ,  G06Q50/00

CPC classification number: G06Q20/06 ,  G06Q20/10 ,  G06Q20/3574 ,  G06Q40/00 ,  G06Q50/22

Abstract: A method comprises the steps of: receiving, at a host computer, a request from a purchaser for payment authorization for a charge for an item; determining whether said item qualifies for payment of a discounted amount of the item charge; receiving at the host computer a request from a provider for payment of the item charge; identifying a funding source of the purchaser from which to draw funds for payment of the item charge; and causing the funding source to be debited for at least a portion of the discounted amount of the item charge based on the payment authorization.

Abstract translation: 一种方法包括以下步骤：在主计算机处接收来自购买者的用于项目费用的支付授权的请求; 确定所述项目是否符合支付项目费用的折扣金额; 在主计算机接收来自提供商的用于支付物品费用的请求; 确定购买者的资金来源，从中支付项目费用; 并根据付款授权，使资金来源至少扣除项目费用折扣金额的一部分。

公开(公告)号：US20070007335A1

公开(公告)日：2007-01-11

申请号：US11275405

申请日：2005-12-29

Applicant: Christopher Cracchiolo ,  Jason Jagatic ,  Ahana Kalappa ,  Mark Keck ,  Shari Pincock ,  Todd Reynders ,  Sunil Sachdev

Inventor： Christopher Cracchiolo ,  Jason Jagatic ,  Ahana Kalappa ,  Mark Keck ,  Shari Pincock ,  Todd Reynders ,  Sunil Sachdev

IPC: G06K5/00 ,  G06Q40/00

CPC classification number: G06Q40/00 ,  G06Q40/08

Abstract: A method comprises the steps of: receiving, at a host computer, a request from a provider for payment for a charge incurred by a purchaser; identifying a plurality of funding sources of the purchaser from which to draw funds for payment of the charge; and causing at least one of the plurality of funding sources to be debited for at least a portion of the purchasing amount of said item based on said payment authorization.

Abstract translation: 一种方法包括以下步骤：在主计算机处接收来自提供商的用于支付由购买者招致的费用的请求; 识别购买者的多个资金来源，从中提取用于支付费用的资金; 并且基于所述支付授权，使所述多个资金来源中的至少一个被借记所述项目的购买金额的至少一部分。

公开(公告)号：US20100211493A9

公开(公告)日：2010-08-19

申请号：US11461396

申请日：2006-07-31

Applicant: Sarah Harrison ,  Jason Jagatic ,  Sunil Sachdev

Inventor： Sarah Harrison ,  Jason Jagatic ,  Sunil Sachdev

IPC: G06Q40/00

CPC classification number: G06Q30/02 ,  G06F19/00 ,  G06F19/328 ,  G06Q10/10 ,  G06Q20/342 ,  G06Q20/363 ,  G06Q20/387 ,  G06Q30/04 ,  G06Q40/10 ,  G07F7/025 ,  G07F7/0866

Abstract: A computer-implemented method and system to facilitate a purchase by a cardmember using a transaction instrument. A request to charge a tax-advantaged account for a transaction using the transaction instrument is received at a host computer. A determination is made whether the charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the charge only if the charge is determined to be for a covered tax-advantaged expense.

Abstract translation: 一种计算机实现的方法和系统，以便于使用交易工具的卡会员购买。 在主计算机上收到使用交易工具收取交易的税收优惠账户的请求。 确定费用是否适用于涉及税收优惠的费用。 只有当费用确定为适用于有税收优惠的费用时，税收优惠账户才会记入与收费价值相关的积分。

公开(公告)号：US07434729B2

公开(公告)日：2008-10-14

申请号：US11275405

申请日：2005-12-29

Applicant: Christopher P. Cracchiolo ,  Jason S. Jagatic ,  Ahana M. Kalappa ,  Mark C. Keck ,  Shari Pincock ,  Todd H. Reynders ,  Sunil Sachdev

Inventor： Christopher P. Cracchiolo ,  Jason S. Jagatic ,  Ahana M. Kalappa ,  Mark C. Keck ,  Shari Pincock ,  Todd H. Reynders ,  Sunil Sachdev

IPC: G06K5/00

CPC classification number: G06Q40/00 ,  G06Q40/08

Abstract: A method comprises the steps of: receiving, at a host computer, a request from a provider for payment for a charge incurred by a purchaser; identifying a plurality of funding sources of the purchaser from which to draw funds for payment of the charge; and causing at least one of the plurality of funding sources to be debited for at least a portion of the purchasing amount of the item based on the payment authorization.

Abstract translation: 一种方法包括以下步骤：在主计算机处接收来自提供商的用于支付由购买者招致的费用的请求; 识别购买者的多个资金来源，从中提取用于支付费用的资金; 并且基于所述支付授权，使所述多个资金来源中的至少一个被借给所述项目的购买金额的至少一部分。

公开(公告)号：US20080197188A1

公开(公告)日：2008-08-21

申请号：US11675478

申请日：2007-02-15

Applicant: Jason Jagatic ,  Sarah Harrison ,  Margaret A. Miller ,  Sunil Sachdev

Inventor： Jason Jagatic ,  Sarah Harrison ,  Margaret A. Miller ,  Sunil Sachdev

IPC: G06K7/00

CPC classification number: G06Q20/20

Abstract: A system, method and computer program product for capturing Line-Item-Detail to assist in substantiating eligible expenses for participating card holders. The system leverages existing data feeds to capture Line-Item-Detail at a point of sale (POS). Advanced filtering and transmission protocols are implemented to enable the process of capturing and transmission of data. The system helps to reduce the number of paper receipts that are required from card members, especially those resulting from over the counter purchases at retail stores. By flagging eligible purchases, the invention aids in automation of the rebate/claims process thereby leading to a faster rebate process and hence, improving customer satisfaction.

Abstract translation: 一种系统，方法和计算机程序产品，用于捕获Line-Item-Detail，以协助参与持卡人的合格费用。 该系统利用现有的数据馈送来在销售点（POS）处捕获Line-Item-Detail。 实现高级过滤和传输协议以实现数据的捕获和传输过程。 该系统有助于减少卡成员所需的纸张数量，特别是零售商店的采购数量。 通过标记合格的购买，本发明有助于回扣/索赔流程的自动化，从而导致更快的回扣流程，从而提高客户满意度。

公开(公告)号：US20070185803A1

公开(公告)日：2007-08-09

申请号：US11461396

申请日：2006-07-31

Applicant: Sarah Harrison ,  Jason Jagatic ,  Sunil Sachdev

Inventor： Sarah Harrison ,  Jason Jagatic ,  Sunil Sachdev

IPC: G06Q40/00

CPC classification number: G06Q30/02 ,  G06F19/328 ,  G06Q10/10 ,  G06Q20/342 ,  G06Q20/363 ,  G06Q20/387 ,  G06Q30/04 ,  G06Q40/10 ,  G07F7/025 ,  G07F7/0866

Abstract: A computer-implemented method and system to facilitate a purchase by a cardmember using a transaction instrument. A request to charge a tax-advantaged account for a transaction using the transaction instrument is received at a host computer. A determination is made whether the charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the charge only if the charge is determined to be for a covered tax-advantaged expense.

Abstract translation: 一种计算机实现的方法和系统，以便于使用交易工具的卡会员购买。 在主计算机上收到使用交易工具收取交易的税收优惠账户的请求。 确定费用是否适用于涉及税收优惠的费用。 只有当费用确定为适用于有税收优惠的费用时，税收优惠账户才会记入与收费价值相关的积分。