公开(公告)号：US08630896B2

公开(公告)日：2014-01-14

申请号：US13412203

申请日：2012-03-05

申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0609 ,  G06Q10/087 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q30/0213 ,  G06Q30/0234 ,  G06Q30/0239 ,  G06Q30/0601 ,  G06Q30/0641 ,  G06Q30/0645

摘要： Methods, computer readable media and systems are described wherein a security deposit is used to facilitate a transaction with a customer. In an embodiment, a process includes receiving an indication that a customer is interested in making a purchase during a transaction from a merchant, and transmitting an offer for a benefit to be applied to the transaction in exchange for a future performance of a task by the customer and a security deposit.

摘要翻译： 描述了方法，计算机可读介质和系统，其中使用安全存款来促进与客户的交易。 在一个实施例中，一个过程包括在商业交易期间接收客户有兴趣进行购买的指示，以及发送要被应用于交易的利益的报价，以换取任务的未来表现 客户和保证金。

公开(公告)号：US08131588B2

公开(公告)日：2012-03-06

申请号：US13048829

申请日：2011-03-15

申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

IPC分类号： G07G1/00 ,  G07G1/14

CPC分类号： G06Q30/0609 ,  G06Q10/087 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q30/0213 ,  G06Q30/0234 ,  G06Q30/0239 ,  G06Q30/0601 ,  G06Q30/0641 ,  G06Q30/0645

摘要： Methods, computer readable media and systems are described wherein a security deposit is used to facilitate a transaction with a customer. In an embodiment, a process includes receiving an indication that a customer is interested in making a purchase during a transaction from a merchant, and transmitting an offer for a benefit to be applied to the transaction in exchange for a future performance of a task by the customer and a security deposit. The task is associated with a subsidy provider other than the merchant. The method also includes providing the offer to the customer, receiving the security deposit, applying the benefit to the transaction before performance of the task, and returning at least a portion of the security deposit to the customer based on the performance of the task. For example, a subsidy provider may offer to apply a subsidy amount to a transaction involving the purchase of a lawn mower in exchange for a future performance of a task by the customer such as test driving a new car. It is also arranged for the customer to provide a security deposit. When the customer performs the task by test driving the car, arrangements are then made to return at least a portion of the security deposit to the customer.

摘要翻译： 描述了方法，计算机可读介质和系统，其中使用安全存款来促进与客户的交易。 在一个实施例中，一个过程包括在商业交易期间接收客户有兴趣进行购买的指示，以及发送要被应用于交易的利益的报价，以换取任务的未来表现 客户和保证金。 该任务与商户以外的补贴提供者相关联。 该方法还包括向客户提供报价，接收保证金，在执行任务之前将交易的利益应用于交易，以及基于任务执行将至少一部分安全存款返还给客户。 例如，补贴提供者可以提供对涉及购买割草机的交易的补贴金额，以换取客户未来履行任务，例如驾驶新车的测试。 还安排客户提供保证金。 当客户通过测试驾驶汽车执行任务时，安排将至少一部分保证金返还给客户。

公开(公告)号：US07415425B1

公开(公告)日：2008-08-19

申请号：US09685079

申请日：2000-10-06

申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

IPC分类号： G07G1/00 ,  G07G1/14

CPC分类号： G06Q30/0609 ,  G06Q10/087 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q30/0213 ,  G06Q30/0234 ,  G06Q30/0239 ,  G06Q30/0601 ,  G06Q30/0641 ,  G06Q30/0645

摘要： Systems and methods are provided wherein a security deposit is used to facilitate a transaction with a customer. It is arranged for a benefit to be applied to the transaction in exchange for a future performance of a task by the customer. For example, a subsidy provider may offer to apply a subsidy amount to the transaction in exchange for a future performance of the task by the customer. It is also arranged for the customer to provide a security deposit. Based on the performance of the task by the customer, it is arranged for the security deposit to be returned to the customer.

摘要翻译： 提供了系统和方法，其中使用安全存款来促进与客户的交易。 为了交换未来的客户履行任务而安排交易的一个好处。 例如，补贴提供者可以提供向交易申请补贴金额，以换取客户未来履行任务。 还安排客户提供保证金。 根据客户履行的任务，安排将保证金退还给客户。

公开(公告)号：US20110166919A1

公开(公告)日：2011-07-07

申请号：US13048829

申请日：2011-03-15

申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0609 ,  G06Q10/087 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q30/0213 ,  G06Q30/0234 ,  G06Q30/0239 ,  G06Q30/0601 ,  G06Q30/0641 ,  G06Q30/0645

摘要： Methods, computer readable media and systems are described wherein a security deposit is used to facilitate a transaction with a customer. In an embodiment, a process includes receiving an indication that a customer is interested in making a purchase during a transaction from a merchant, and transmitting an offer for a benefit to be applied to the transaction in exchange for a future performance of a task by the customer and a security deposit. The task is associated with a subsidy provider other than the merchant. The method also includes providing the offer to the customer, receiving the security deposit, applying the benefit to the transaction before performance of the task, and returning at least a portion of the security deposit to the customer based on the performance of the task. For example, a subsidy provider may offer to apply a subsidy amount to a transaction involving the purchase of a lawn mower in exchange for a future performance of a task by the customer such as test driving a new car. It is also arranged for the customer to provide a security deposit. When the customer performs the task by test driving the car, arrangements are then made to return at least a portion of the security deposit to the customer.

摘要翻译： 描述了方法，计算机可读介质和系统，其中使用安全存款来促进与客户的交易。 在一个实施例中，一个过程包括在商业交易期间接收客户有兴趣进行购买的指示，以及发送要被应用于交易的利益的报价，以换取任务的未来表现 客户和保证金。 该任务与商户以外的补贴提供者相关联。 该方法还包括向客户提供报价，接收保证金，在执行任务之前将交易的利益应用于交易，以及基于任务执行将至少一部分安全存款返还给客户。 例如，补贴提供者可以提供对涉及购买割草机的交易的补贴金额，以换取客户未来履行任务，例如驾驶新车的测试。 还安排客户提供保证金。 当客户通过测试驾驶汽车执行任务时，安排将至少一部分保证金返还给客户。

公开(公告)号：US07908168B2

公开(公告)日：2011-03-15

申请号：US12190244

申请日：2008-08-12

申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

IPC分类号： G06Q30/00 ,  G07G1/14

CPC分类号： G06Q30/0609 ,  G06Q10/087 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q30/0213 ,  G06Q30/0234 ,  G06Q30/0239 ,  G06Q30/0601 ,  G06Q30/0641 ,  G06Q30/0645

摘要： Methods, computer readable media and systems are described wherein a security deposit is used to facilitate a transaction with a customer. In an embodiment, a process includes receiving an indication that a customer is interested in making a purchase during a transaction from a merchant, and transmitting an offer for a benefit to be applied to the transaction in exchange for a future performance of a task by the customer and a security deposit. The task is associated with a subsidy provider other than the merchant. The method also includes providing the offer to the customer, receiving the security deposit, applying the benefit to the transaction before performance of the task, and returning at least a portion of the security deposit to the customer based on the performance of the task. For example, a subsidy provider may offer to apply a subsidy amount to a transaction involving the purchase of a lawn mower in exchange for a future performance of a task by the customer such as test driving a new car. It is also arranged for the customer to provide a security deposit. When the customer performs the task by test driving the car, arrangements are then made to return at least a portion of the security deposit to the customer.

摘要翻译： 描述了方法，计算机可读介质和系统，其中使用安全存款来促进与客户的交易。 在一个实施例中，一个过程包括在商业交易期间接收客户有兴趣进行购买的指示，以及发送要被应用于交易的利益的报价，以换取任务的未来表现 客户和保证金。 该任务与商户以外的补贴提供者相关联。 该方法还包括向客户提供报价，接收保证金，在执行任务之前将交易的利益应用于交易，以及基于任务执行将至少一部分安全存款返还给客户。 例如，补贴提供者可以提供对涉及购买割草机的交易的补贴金额，以换取客户未来履行任务，例如驾驶新车的测试。 还安排客户提供保证金。 当客户通过测试驾驶汽车执行任务时，安排将至少一部分保证金返还给客户。

公开(公告)号：US07774240B2

公开(公告)日：2010-08-10

申请号：US11927912

申请日：2007-10-30

申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0609 ,  G06Q10/087 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q30/0213 ,  G06Q30/0234 ,  G06Q30/0239 ,  G06Q30/0601 ,  G06Q30/0641 ,  G06Q30/0645

摘要： Systems and methods are provided wherein a security deposit is used to facilitate a transaction with a customer. It is arranged for a benefit to be applied to the transaction in exchange for a future performance of a task by the customer. For example, a subsidy provider may offer to apply a subsidy amount to the transaction in exchange for a future performance of the task by the customer. It is also arranged for the customer to provide a security deposit. Based on the performance of the task by the customer, it is arranged for the security deposit to be returned to the customer.

摘要翻译： 提供了系统和方法，其中使用安全存款来促进与客户的交易。 为了交换未来的客户履行任务而安排交易的一个好处。 例如，补贴提供者可以提供向交易申请补贴金额，以换取客户未来履行任务。 还安排客户提供保证金。 根据客户履行的任务，安排将保证金退还给客户。

公开(公告)号：US07739124B1

公开(公告)日：2010-06-15

申请号：US09678117

申请日：2000-10-02

申请人： Jay S. Walker ,  James A. Jorasch ,  Geoffrey M. Gelman ,  Russell Pratt Sammon ,  Andrew P. Golden ,  Stephen C. Tulley ,  Brian M. Dugan ,  Timothy A. Palmer ,  Terry E. Mayfield ,  John B. Dickerson ,  Michiko Kobayashi

发明人： Jay S. Walker ,  James A. Jorasch ,  Geoffrey M. Gelman ,  Russell Pratt Sammon ,  Andrew P. Golden ,  Stephen C. Tulley ,  Brian M. Dugan ,  Timothy A. Palmer ,  Terry E. Mayfield ,  John B. Dickerson ,  Michiko Kobayashi

IPC分类号： G06Q10/00

CPC分类号： G06F19/328 ,  G06F19/00 ,  G06Q30/0208 ,  G06Q30/0222 ,  G06Q40/08 ,  G06Q50/22 ,  G06Q50/24

摘要： A system and method is disclosed whereby a customer involved in a transaction is offered a benefit to be applied to the transaction in exchange for undertaking or agreeing to undertake some form of preventative treatment. The transaction may be a purchase of goods or services occurring, for example, over the Internet. In one embodiment, the customer may select an option whereby a third party, such as an insurer of the customer, will provide payment for at least part of the transaction, in exchange for the customer undergoing a preventative treatment. The preventative treatment may include a health treatment screening or test. The payment provided may be determined from an expected future savings in insuring the customer if the preventative treatment is undertaken. Payment may also be conditioned upon the customer's agreement to continue his or her insurance coverage with the insurer or to confirm that the preventative treatment was performed. In certain embodiments, the insurer may place a hold against a financial account for the value of the benefit until administration of the preventative treatment is confirmed.

摘要翻译： 披露了一种系统和方法，其中参与交易的客户被提供用于交易的利益，以换取承诺或同意进行某种形式的预防性治疗。 交易可能是购买通过互联网发生的商品或服务。 在一个实施例中，客户可以选择一种选项，其中第三方（例如客户的保险人）将为交易的至少一部分提供支付，以换取进行预防性治疗的客户。 预防性治疗可以包括健康治疗筛选或测试。 如果进行预防性治疗，所提供的付款可以从预期的未来节省确定来确保客户。 付款还可以根据客户的协议，与保险公司继续保险，或确认是否进行了预防性处理。 在某些实施方案中，保险人可以对金融账户进行抵押以获得利益的价值，直到确认预防性治疗的施用。

公开(公告)号：US20100004986A1

公开(公告)日：2010-01-07

申请号：US12190244

申请日：2008-08-12

申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Michiko Kobayashi ,  Andrew P. Golden ,  Scott B. Allison ,  Geoffrey M. Gelman ,  Timothy A. Palmer ,  James A. Jorasch ,  Elizabeth Delamater

IPC分类号： G06Q30/00 ,  G06Q20/00

CPC分类号： G06Q30/0609 ,  G06Q10/087 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q30/0213 ,  G06Q30/0234 ,  G06Q30/0239 ,  G06Q30/0601 ,  G06Q30/0641 ,  G06Q30/0645

摘要： Methods, computer readable media and systems are described wherein a security deposit is used to facilitate a transaction with a customer. In an embodiment, a process includes receiving an indication that a customer is interested in making a purchase during a transaction from a merchant, and transmitting an offer for a benefit to be applied to the transaction in exchange for a future performance of a task by the customer and a security deposit. The task is associated with a subsidy provider other than the merchant. The method also includes providing the offer to the customer, receiving the security deposit, applying the benefit to the transaction before performance of the task, and returning at least a portion of the security deposit to the customer based on the performance of the task. For example, a subsidy provider may offer to apply a subsidy amount to a transaction involving the purchase of a lawn mower in exchange for a future performance of a task by the customer such as test driving a new car. It is also arranged for the customer to provide a security deposit. When the customer performs the task by test driving the car, arrangements are then made to return at least a portion of the security deposit to the customer.

摘要翻译： 描述了方法，计算机可读介质和系统，其中使用安全存款来促进与客户的交易。 在一个实施例中，一个过程包括在商业交易期间接收客户有兴趣进行购买的指示，以及发送要被应用于交易的利益的报价，以换取任务的未来表现 客户和保证金。 该任务与商户以外的补贴提供者相关联。 该方法还包括向客户提供报价，接收保证金，在执行任务之前将交易的利益应用于交易，以及基于任务执行将至少一部分安全存款返还给客户。 例如，补贴提供者可以提供对涉及购买割草机的交易的补贴金额，以换取客户未来履行任务，例如驾驶新车的测试。 还安排客户提供保证金。 当客户通过测试驾驶汽车执行任务时，安排将至少一部分保证金返还给客户。

公开(公告)号：US20130218700A1

公开(公告)日：2013-08-22

申请号：US13619579

申请日：2012-09-14

申请人： Jay S. Walker ,  Peter Kim ,  James A. Jorasch ,  Magdalena Mik ,  Daniel E. Tedesco ,  Russell Pratt Sammon ,  Andrew P. Golden ,  Raymod J. Mueller ,  Keith Bemer ,  Kathleen Van Luchene

发明人： Jay S. Walker ,  Peter Kim ,  James A. Jorasch ,  Magdalena Mik ,  Daniel E. Tedesco ,  Russell Pratt Sammon ,  Andrew P. Golden ,  Raymod J. Mueller ,  Keith Bemer ,  Kathleen Van Luchene

IPC分类号： G06Q30/06

CPC分类号： G06Q30/0208 ,  G06Q20/204 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0621 ,  G06Q40/12

摘要： According to one described embodiment, a method is provided in which transaction information is determined. The transaction information is associated with (i) a buyer who has arranged to purchase a product from a central controller at a first price established between the buyer and the central controller and (ii) a merchant that offers the product for sale at a second price, different from the first price, without offering the product for sale to buyers at the first price. Information is transmitted that facilitates the acquisition of the product by the buyer, in exchange for payment provided by the buyer to the central controller. An amount based on the second price is provided to the merchant.

公开(公告)号：US08150735B2

公开(公告)日：2012-04-03

申请号：US11746714

申请日：2007-05-10

申请人： Jay S. Walker ,  Peter Kim ,  James A. Jorasch ,  Magdalena Mik ,  Daniel E. Tedesco ,  Russell Pratt Sammon ,  Andrew P. Golden ,  Raymod J. Mueller ,  Keith Bemer ,  Kathleen Van Luchene

发明人： Jay S. Walker ,  Peter Kim ,  James A. Jorasch ,  Magdalena Mik ,  Daniel E. Tedesco ,  Russell Pratt Sammon ,  Andrew P. Golden ,  Raymod J. Mueller ,  Keith Bemer ,  Kathleen Van Luchene

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0613 ,  G06Q20/204 ,  G06Q30/0208 ,  G06Q30/0222 ,  G06Q30/0283 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0621 ,  G06Q40/12

摘要： According to one described embodiment, a method is provided in which transaction information is determined. The transaction information is associated with (i) a buyer who has arranged to purchase a product from a central controller at a first price established between the buyer and the central controller and (ii) a merchant that offers the product for sale at a second price, different from the first price, without offering the product for sale to buyers at the first price. Information is transmitted that facilitates the acquisition of the product by the buyer, in exchange for payment provided by the buyer to the central controller. An amount based on the second price is provided to the merchant.

摘要翻译： 根据一个描述的实施例，提供一种确定交易信息的方法。 交易信息与（i）已经安排以买方和中央控制器之间建立的第一价格从中央控制器购买产品的买方相关联，以及（ii）以第二价格提供产品出售的商家 ，与第一个价格不同，没有以第一个价格向买家提供产品出售。 传输信息，便于买方收购产品，以换取买方向中央控制人提供的付款。 基于第二价格的金额被提供给商家。