公开(公告)号：US08660893B2

公开(公告)日：2014-02-25

申请号：US12177530

申请日：2008-07-22

申请人： Edward W. Fordyce, III

发明人： Edward W. Fordyce, III

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0229 ,  G06Q20/12 ,  G06Q20/387 ,  G06Q30/0226 ,  G06Q40/12

摘要： Loyalty programs can be operated within a payment processing system having multiple vendors, thereby providing access to detailed transaction data and with the flexibility for customization of the loyalty programs themselves, by establishing a communication for the transfer of data via a customer-facing channel. When the payment processing system processes a transaction between a merchant and an account holder, in addition to obtaining payment for the merchant from the account via an acquirer and an issuer, respectively, a transaction handler tabulates and stores, different types of loyalty currencies in a loyalty reward account associated with the account holder if the account holder is enrolled in a loyalty program and criteria for applying the loyalty program are satisfied. The account holder is provided access to the loyalty account via the customer-facing channel.

摘要翻译： 忠诚度计划可以在具有多个供应商的支付处理系统中操作，从而通过建立用于经由面向客户的渠道传送数据的通信来提供对详细交易数据的访问以及对忠诚度计划本身的定制的灵活性。 当支付处理系统处理商家和账户持有人之间的交易时，除了分别通过收单方和发行人从账户获得商家的付款之外，交易处理者将不同类型的忠诚货币列表在一个 如果帐户持有人注册了忠诚度计划，并且满足了使用忠诚度计划的标准，则与账户持有者相关联的忠诚度奖励账户。 帐户持有人可以通过面向客户的渠道访问忠诚度帐户。

公开(公告)号：US20120191525A1

公开(公告)日：2012-07-26

申请号：US13356506

申请日：2012-01-23

申请人： Shantnu Singh ,  Michael Dreyer ,  Peter Ciurea ,  James Alan VonDerheide ,  Edward W. Fordyce, III

发明人： Shantnu Singh ,  Michael Dreyer ,  Peter Ciurea ,  James Alan VonDerheide ,  Edward W. Fordyce, III

IPC分类号： G06Q30/02

CPC分类号： G06Q20/405 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/0233

摘要： A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions.

摘要翻译： 用于金融交易的通信系统，例如通过信用账户，借记帐户，预付账户，银行账户，储值账户等进行的支付交易被增强和/或用于支持奖励交易。 因此，奖励通信可以以与信用/借记交易相似和/或一起的方式处理为通信系统上的交易。

公开(公告)号：US20110302036A1

公开(公告)日：2011-12-08

申请号：US13221750

申请日：2011-08-30

申请人： Edward W. Fordyce, III ,  Michelle Eng Winters ,  Kevin Paul Siegel ,  Leigh Amaro ,  Charles Raymond Byce ,  Nurtekin Savas

发明人： Edward W. Fordyce, III ,  Michelle Eng Winters ,  Kevin Paul Siegel ,  Leigh Amaro ,  Charles Raymond Byce ,  Nurtekin Savas

IPC分类号： G06Q30/00

CPC分类号： G06Q20/20 ,  G06Q20/401 ,  G06Q30/02 ,  G06Q30/0255 ,  G06Q30/0267 ,  G06Q30/0268 ,  G06Q30/0269

摘要： In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.

摘要翻译： 一方面，系统包括用于处理事务的事务处理程序，用于存储记录在事务处理程序处理的事务的事务数据的数据仓库，基于事务数据生成用户简档的简档生成器，广告选择器 响应于处理用户的事务的事务处理程序响应于用户的简档来识别广告，以及耦合到事务处理程序的门户，以提供广告以便呈现给用户，以及关于用户的交易的信息 。 在一个示例中，简档包括表示用户在各个区域中的汇总消费的多个值，以总结用户的交易。

公开(公告)号：US20110093335A1

公开(公告)日：2011-04-21

申请号：US12899144

申请日：2010-10-06

申请人： Edward W. Fordyce, III ,  Michelle Eng Winters ,  Leigh Amaro ,  Nurtekin Savas ,  Kevin Paul Siegel ,  Charles Raymond Byce

发明人： Edward W. Fordyce, III ,  Michelle Eng Winters ,  Leigh Amaro ,  Nurtekin Savas ,  Kevin Paul Siegel ,  Charles Raymond Byce

IPC分类号： G06Q20/00 ,  G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q20/40 ,  G06Q30/0255 ,  G06Q30/0269

摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a portal to receive, from users, consent data that identifies account identifiers of the users; a data warehouse to store transaction data recording the transactions and store purchase details for at least some of the transactions; and a profile generator to generate profiles based on the transaction data and the purchase details stored in the data warehouse. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the system is to use the transaction handler to request purchase details associated with the authorization request from the merchant via a response to the authorization request, and receive and store the purchase details associated with the authorization request in the data warehouse, in response to a determination that the first account identifier is associated with consent data.

摘要翻译： 一方面，一种计算装置包括：处理事务的事务处理程序; 从用户接收用于标识用户的帐户标识符的同意数据的门户; 数据仓库，用于存储记录交易的交易数据，并存储至少一些交易的购买细节; 以及基于交易数据和存储在数据仓库中的购买细节来生成简档的简档生成器。 响应于在用于识别第一帐户标识符的支付交易的交易处理程序中接收到的授权请求，系统将使用交易处理程序通过对授权请求的响应从商家请求与授权请求相关联的购买细节，以及 响应于第一帐户标识符与同意数据相关联的确定，接收并将与授权请求相关联的购买详情存储在数据仓库中。

公开(公告)号：US20100145855A1

公开(公告)日：2010-06-10

申请号：US12630702

申请日：2009-12-03

申请人： Edward W. Fordyce, III ,  Barbara Elizabeth Patterson

发明人： Edward W. Fordyce, III ,  Barbara Elizabeth Patterson

IPC分类号： G06Q40/00 ,  G06Q20/00

CPC分类号： G06Q30/04 ,  G06Q20/10 ,  G06Q20/40

摘要： An enhanced payment processing system is configured to process non-sales related requests. For example, such requests may pertain to a consumer's application for a payment account, a request for identification of a payment account assigned to a specified consumer, a transfer of a monetary amount between two payment accounts, a payment to be applied to an account, and a change of an expiration date for a portable payment device. A merchant formulates a non-sales related request which is sent through the payment processing system to an account issuer. The account issuer receives the non-sales related request, complies with that request, and formulates a reply. The reply is sent back through the payment processing system to the merchant.

摘要翻译： 增强的支付处理系统被配置为处理非销售相关请求。 例如，这样的请求可以涉及消费者对付款帐户的申请，分配给指定的消费者的支付帐户的识别请求，两个支付账户之间的金额的转移，要应用于账户的支付， 以及更改便携式支付设备的到期日期。 商家制定通过支付处理系统发送到账户发行者的非销售相关请求。 账户发行人收到非销售相关请求，符合该请求，并作出回复。 答复通过支付处理系统发送回商家。

公开(公告)号：US20100145778A1

公开(公告)日：2010-06-10

申请号：US12632136

申请日：2009-12-07

申请人： Edward W. Fordyce, III ,  Karteek Hasmukh Patel ,  David C. Shepard

发明人： Edward W. Fordyce, III ,  Karteek Hasmukh Patel ,  David C. Shepard

IPC分类号： G06Q30/00 ,  G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q30/0229

摘要： A multi-provider rewards program in which rewards are awarded for a series of transactions using an account in a transaction processing system. The transaction processing system includes at least one issuer, at least one acquirer, a plurality of resource providers, a transaction handler, a rewards program rule implementer having access to the rewards program database, and an implementer processor. The implementer processor receives transaction data whenever a transaction occurs using the consumer account, uses the transaction data to determine when a consumer has performed the separate transactions associated with each of a plurality of merchants that are required by a rewards rule and when a consumer has performed the separate transactions with each of the plurality of resource providers, and identifies a reward for the consumer that performed the transactions.

摘要翻译： 一个多供应商奖励计划，其中使用交易处理系统中的一个帐户对一系列交易进行奖励。 交易处理系统包括至少一个发行者，至少一个收单方，多个资源提供者，交易处理程序，具有访问奖赏程序数据库的奖赏程序规则实现者，以及实施者处理器。 实施者处理器每当使用消费者帐户进行交易时接收交易数据，则使用交易数据来确定消费者何时执行与奖励规则所要求的多个商家中的每一个相关联的单独交易，以及消费者已经执行 与所述多个资源提供者中的每一个的单独交易，并且识别执行所述交易的所述消费者的奖励。

公开(公告)号：US09342835B2

公开(公告)日：2016-05-17

申请号：US12849791

申请日：2010-08-03

申请人： Edward W. Fordyce, III ,  Michelle Eng Winters ,  Kevin Paul Siegel ,  Leigh Amaro ,  Charles Raymond Byce ,  Nurtekin Savas

发明人： Edward W. Fordyce, III ,  Michelle Eng Winters ,  Kevin Paul Siegel ,  Leigh Amaro ,  Charles Raymond Byce ,  Nurtekin Savas

IPC分类号： G06Q30/00 ,  G06Q30/02

CPC分类号： G06Q20/20 ,  G06Q20/401 ,  G06Q30/02 ,  G06Q30/0255 ,  G06Q30/0267 ,  G06Q30/0268 ,  G06Q30/0269

摘要： In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.

公开(公告)号：US08725642B2

公开(公告)日：2014-05-13

申请号：US12539572

申请日：2009-08-11

申请人： Edward W. Fordyce, III

发明人： Edward W. Fordyce, III

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4016 ,  G06Q20/22 ,  G06Q20/40 ,  G06Q20/405

摘要： Methods for deferring settlement of a transaction are disclosed. A server computer receives an authorization request message for a transaction. The server computer then receives an authorization response message for the transaction. The server computer then receives a deferred settlement indicator for the transaction.

摘要翻译： 披露了延迟交易结算的方法。 服务器计算机接收事务的授权请求消息。 服务器计算机然后接收该事务的授权响应消息。 然后服务器计算机接收交易的递延结算指示符。

公开(公告)号：US08606630B2

公开(公告)日：2013-12-10

申请号：US13221750

申请日：2011-08-30

申请人： Edward W. Fordyce, III ,  Michelle Eng Winters ,  Kevin Paul Siegel ,  Leigh Amaro ,  Charles Raymond Byce ,  Nurtekin Savas

发明人： Edward W. Fordyce, III ,  Michelle Eng Winters ,  Kevin Paul Siegel ,  Leigh Amaro ,  Charles Raymond Byce ,  Nurtekin Savas

IPC分类号： G06Q30/00

CPC分类号： G06Q20/20 ,  G06Q20/401 ,  G06Q30/02 ,  G06Q30/0255 ,  G06Q30/0267 ,  G06Q30/0268 ,  G06Q30/0269

摘要： In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.

摘要翻译： 一方面，系统包括用于处理事务的事务处理程序，用于存储记录在事务处理程序处理的事务的事务数据的数据仓库，基于事务数据生成用户简档的简档生成器，广告选择器 响应于处理用户的事务的事务处理程序响应于用户的简档来识别广告，以及耦合到事务处理程序的门户，以提供广告以便呈现给用户，以及关于用户的交易的信息 。 在一个示例中，简档包括表示用户在各个区域中的汇总消费的多个值，以总结用户的交易。

公开(公告)号：US08600827B2

公开(公告)日：2013-12-03

申请号：US13101083

申请日：2011-05-04

申请人： Edward W. Fordyce, III ,  Nurtekin Savas

发明人： Edward W. Fordyce, III ,  Nurtekin Savas

IPC分类号： G06Q30/00

CPC分类号： G06Q30/014 ,  G06Q10/10 ,  G06Q30/0601

摘要： The PRODUCT RECALL PLATFORM APPARATUSES, METHODS AND SYSTEMS (“PR Platform”) transforms recall initiation request, product identifier and purchase processing request inputs via PR Platform components into recall notification message outputs. In some embodiments, the PR Platform receives a purchase processing request including a plurality of product identifiers and preselects product identifiers that qualify for purchase processing based on at least one purchase processing rule. The PR Platform facilitates querying of a product recall database to determine if the preselected product identifiers match recalled product identifiers in the product recall database. If at least one of the preselected product identifiers match the recalled product identifiers, the PR Platform retrieves a recall message associated with the at least one of the preselected product identifiers and notification preferences associated with the purchase processing request. The PR Platform then generates a recall notification message in accordance with the notification preferences to include the recall message associated with the at least one of the preselected product identifiers.

摘要翻译： 产品回放平台设备，方法和系统（“PR平台”）通过PR平台组件将召回启动请求，产品标识和购买处理请求输入转换为调用通知消息输出。 在一些实施例中，PR平台基于至少一个购买处理规则接收包括多个产品标识符的购买处理请求并且预先选择符合购买处理的产品标识符。 PR平台有助于查询产品召回数据库，以确定预选产品标识符是否与产品召回数据库中的召回产品标识符相匹配。 如果至少一个预先选择的产品标识符与被召回的产品标识符相匹配，则PR平台检索与至少一个预购产品标识符和与购买处理请求相关联的通知偏好相关联的召回消息。 PR平台然后根据通知偏好生成召回通知消息，以包括与预选产品标识符中的至少一个相关联的召回消息。