公开(公告)号：US20060026093A1

公开(公告)日：2006-02-02

申请号：US10909582

申请日：2004-08-02

申请人： David Stump ,  Thomas Sturgeon ,  Andrew Gamm ,  Attila Halasz ,  Connie Johnston ,  Terry DeGroot ,  Bijoy Pananghat

发明人： David Stump ,  Thomas Sturgeon ,  Andrew Gamm ,  Attila Halasz ,  Connie Johnston ,  Terry DeGroot ,  Bijoy Pananghat

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q40/025

摘要： The present invention relates to a system implemented in a computer for providing financing via a communications network. The system includes: a computer comprising a processor; a memory coupled with the processor and a network interface coupled with the processor and the memory and with the communications network; user interface logic stored in the memory and executable by the processor to receive an identifier associated with the customer via the network interface; status level tool logic stored in the memory and executable by the processor to determine, in conjunction with the user interface logic, a customer status level associated with the identifier; credit amount tool logic stored in the memory and executable by the processor to determine, in conjunction with the user interface logic, a credit amount available to the customer for applying to a purchase of a good or service based on the customer status level; and purchase tool logic stored in the memory and executable by the processor to permit, in conjunction with the user interface logic, the customer to apply the initial credit amount to a purchase of a good or service.

摘要翻译： 本发明涉及一种在计算机中实现的用于经由通信网络提供融资的系统。 该系统包括：包括处理器的计算机; 与处理器耦合的存储器和与处理器和存储器以及通信网络耦合的网络接口; 用户界面逻辑存储在存储器中并且可由处理器执行以经由网络接口​​接收与客户相关联的标识符; 状态级别工具逻辑存储在存储器中并且可由处理器执行以与用户界面逻辑一起确定与标识符相关联的客户状态级别; 存储在存储器中并且可由处理器执行的信用量工具逻辑，以结合用户界面逻辑，根据客户状态级别来确定可用于客户应用购买商品或服务的信用额度; 并且购买存储在存储器中并由处理器执行的工具逻辑，以允许客户结合用户界面逻辑将初始信用量应用于购买商品或服务。