公开(公告)号：US20100106570A1

公开(公告)日：2010-04-29

申请号：US12259466

申请日：2008-10-28

申请人： Cristian Radu ,  Fikret Ates ,  Jan Landequist ,  Ainsley Charles Ward ,  Steven Van Sweevelt ,  David Grossman ,  Aziz Koufkouf

发明人： Cristian Radu ,  Fikret Ates ,  Jan Landequist ,  Ainsley Charles Ward ,  Steven Van Sweevelt ,  David Grossman ,  Aziz Koufkouf

IPC分类号： G06Q30/00 ,  G07G1/14 ,  G06Q20/00

CPC分类号： G06Q20/341 ,  G06Q20/20 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0229 ,  G06Q30/0236

摘要： According to some embodiments, systems, methods, apparatus, computer program code and means are provided for enrolling payment cardholders in loyalty programs and processing loyalty transactions. Some embodiments include receiving, from a consumer associated with a payment device, loyalty program enrollment information and a payment device identifier, the loyalty program enrollment information including a loyalty program identifier, and providing the loyalty program enrollment information and the payment device identifier to at least one of an issuer of the payment device and an agent of the issuer. The loyalty program identifier is caused to be stored in a memory of said payment device.

摘要翻译： 根据一些实施例，提供系统，方法，装置，计算机程序代码和装置，用于在支付方案中注册支付持卡人并处理忠诚度交易。 一些实施例包括从与支付设备相关联的消费者接收忠诚度计划注册信息和支付设备标识符，所述忠诚度计划注册信息包括忠诚度计划标识符，并且将忠诚度计划注册信息和支付设备标识符提供给至少 支付设备的发行者和发行人的代理人之一。 使忠诚度程序标识符存储在所述支付装置的存储器中。

公开(公告)号：US20110320251A1

公开(公告)日：2011-12-29

申请号：US13109318

申请日：2011-05-17

申请人： Fikret Ates ,  Aziz Koufkouf ,  Christian Radu

发明人： Fikret Ates ,  Aziz Koufkouf ,  Christian Radu

IPC分类号： G06Q30/00

CPC分类号： G06Q20/20 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0227 ,  G06Q30/06

摘要： A method and system for performing a redemption transaction at a point-of sale terminal. The cardholder initiates the transaction using a redemption card. The terminal obtains a transaction amount, a private currency, and an exchange rate. The transaction amount is converted into a transaction amount miles equivalent using the exchange rate, and the transaction amount miles equivalent is compared against the balance of the redemption account associated with the redemption card. The terminal transmits a clearing record for further processing. The clearing record is received by a clearing server, which identifies a lodged card associated with the transaction. The clearing server computes a periodic aggregate amount comprising the aggregate transaction amount for all transactions associated with the lodged card and a particular merchant during that period. The clearing server triggers a single transaction towards an acquirer associated with the merchant for the periodic aggregate amount.

摘要翻译： 一种用于在销售点终端执行兑换交易的方法和系统。 持卡人使用兑换卡启动交易。 终端获得交易金额，私人货币和汇率。 使用汇率将交易金额转换为相当于交易金额的里程，并将交易金额里程相当于与兑换卡相关联的兑换账户的余额。 终端发送清除记录进行进一步处理。 结算记录由清算服务器接收，清算服务器标识与交易相关联的已提交的卡。 清算服务器计算一个周期性总计金额，其中包括在该期间内与所提交的卡和特定商家相关联的所有交易的总交易金额。 结算服务器针对与商家相关联的收单方触发单个交易以获得周期性总量。