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    Methods and systems for providing a best price guarantee
    1.
    发明授权
    Methods and systems for providing a best price guarantee 有权

    公开(公告)号：US11238481B1

    公开(公告)日：2022-02-01

    申请号：US16508677

    申请日：2019-07-11

    申请人： CITICORP CREDIT SERVICES, INC. (USA)

    发明人： Neeraj Sharma ,  Ateesh Tankha ,  Anthony Merola ,  Michael Ying

    IPC分类号： G06Q30/02 ,  G06Q20/24 ,  G06Q20/34 ,  G06Q20/26

    摘要： A financial institution can provide a best price guarantee to debit or credit card account holders. By providing a consolidated system including automatic price monitoring of purchased products and automatic claim form generation upon identifying a lower price, the consumer is relieved of the burden typically associated with conventional price matching. An exemplary method comprises receiving, by a server, purchase information from a financial customer, wherein the purchase information comprises a purchase price and purchased product description and wherein the customer has a credit or debit card issued by the financial institution; storing, by the server, the purchase information in a first database; locating, by the server, from a second database, stored product information corresponding to the received purchased product description, wherein the stored product information comprises a lowest price datum; comparing, by the server, the lowest price datum to the purchase price; and, if the lowest price datum is less than the purchase price, generating a claim form for the financial customer.

    Method and system for transferring funds from an account to an individual
    2.
    发明授权
    Method and system for transferring funds from an account to an individual 有权

    公开(公告)号：US10719814B1

    公开(公告)日：2020-07-21

    申请号：US11784840

    申请日：2007-04-10

    申请人： Netty Meiroff ,  Gordon Zahorik

    发明人： Netty Meiroff ,  Gordon Zahorik

    IPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q40/02

    摘要： Methods and system for transferring funds supports funds transfers from a source account to a cash access file which can be accessed virtually twenty-four hours a day by both customers and non-customers. Cash may be transferred across international borders and dispensed in a currency different than that of the sender's source account and is made available to a recipient virtually as soon as the requested transfer is approved and confirmed by the sender. A subset of payees that is uniquely associated with the sender and includes a payee and a destination account for the payee is presented in a payee list database. Thereafter, a payee list is displayed for the sender at a terminal in response to entry of a request by the sender for a transfer of funds, and upon selection by the sender of a payee from the payee list and entry of a requested transfer amount, the requested amount is transferred e.g. to a branch of the sender's bank located in a different country via the network switch and, for example, thereafter routed to the payee's destination account in a different bank for withdrawal by the payee.

    Methods and systems for use of a prepaid payment device for a healthcare service or product
    3.
    发明授权
    Methods and systems for use of a prepaid payment device for a healthcare service or product 有权

    公开(公告)号：US10515427B1

    公开(公告)日：2019-12-24

    申请号：US12854994

    申请日：2010-08-12

    申请人： Andrew D. Radlow

    发明人： Andrew D. Radlow

    IPC分类号： G06Q20/20 ,  G06Q20/34 ,  G06Q50/22 ,  G06Q30/06 ,  G06Q30/04

    摘要： The methods and systems disclosed herein attempt to overcome the deficiencies of the conventional methods and systems by providing a prepaid card for reimbursing a healthcare service provider for the cost of providing a patient with a specific healthcare service. A prepaid card can identify a specific healthcare service and can be used by a patient at a healthcare service provider to obtain the healthcare service of administering a controlled substance for which the patient does not have a prescription. The prepaid card can be associated with one or more accounts of third parties who may be financially responsible for reimbursing the healthcare service provider for the cost of providing the controlled substance and/or the specific healthcare service to the patient.

    Method and system for managing a mortgage rebate transaction card account
    10.
    发明授权
    Method and system for managing a mortgage rebate transaction card account 有权
    管理抵押退税交易卡账户的方法和系统

    公开(公告)号：US08156039B2

    公开(公告)日：2012-04-10

    申请号：US12153743

    申请日：2008-05-23

    申请人： Gina Doynow

    发明人： Gina Doynow

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0226 ,  G06Q30/0232 ,  G06Q30/0234 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/025

    摘要： A method and system of managing a mortgage rebate transaction card account in which a transaction card provider computes a mortgage rebate amount based on the amount of charges incurred against the account and periodically arranges for application of the mortgage rebate amount against a mortgage loan balance for the cardholder. The account is provided by the transaction card provider in connection with either a pre-existing mortgage loan of the cardholder or a prospective mortgage loan of the cardholder. Further, the account can be provided in connection with a mortgage loan from any mortgage lender regardless of the existence or non-existence of an affiliation or association between the transaction card provider and the mortgage lender.

    摘要翻译： 一种管理抵押退税交易卡账户的方法和系统，其中交易卡提供者基于针对账户的费用计算出抵押贷款返还金额，并定期安排抵押贷款抵扣金额抵扣抵押贷款余额 持卡人。 该帐户由交易卡提供商提供，与持卡人的预先存在的抵押贷款或持卡人的未来抵押贷款相关。 此外，无论存在或不存在交易卡提供者和抵押贷款人之间的联系或关联，可以提供与抵押贷款人的抵押贷款有关的帐户。