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公开(公告)号：US07665660B2
公开(公告)日：2010-02-23
申请号：US11683866
申请日：2007-03-08
摘要： The present invention provides systems and methods for facilitating transactions with real-time awards determinations for a cardholder. Each transaction includes transaction information, where the transaction information includes: cardholder information, merchant information, and a transaction amount. An engine determines if an award should be granted based on award criteria, such that the engine compares the transaction information with each award criterion in order to determine if the award should be granted in real-time with the transaction by the cardholder.
摘要翻译： 本发明提供了用于促进对持卡人的实时奖励确定的交易的系统和方法。 每个交易包括交易信息，其中交易信息包括：持卡人信息，商家信息和交易金额。 引擎确定是否应基于奖励标准授予奖励，使得引擎将交易信息与每个奖励标准进行比较，以确定是否应该由持卡人与交易实时授予奖励。
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公开(公告)号：US10037535B2
公开(公告)日：2018-07-31
申请号：US11848179
申请日：2007-08-30
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard
CPC分类号： G06Q30/00 , G06Q30/02 , G06Q30/0226
摘要： Collaborative constituents collaborate to develop a loyalty program within a transaction processing system. Transmissions addressed to the collaborative constituents are formed and received from the collaborative constituents containing suggested parameters for the loyalty program. At least one remaining parameter for the loyalty program that a set of remaining collaborative constituents have agreed upon is determined. Another transmission addressed to each of the collaborative constituents in the set of remaining collaborative constituents is formed, the another transmission including the remaining parameters for the loyalty program.
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公开(公告)号：US09031859B2
公开(公告)日：2015-05-12
申请号：US12784324
申请日：2010-05-20
申请人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
发明人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
CPC分类号： G06Q20/20 , G06Q20/04 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0225 , G06Q30/0234 , G06Q30/0238
摘要： A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.
摘要翻译： 计算机接收信息，该信息用于授权商家向在帐户持有人的消费者帐户进行的交易中的帐户持有者销售产品的交易。 当计算机确认交易被授权并且交易发生在与产品相关联的折扣的预定时间段内以及相应的赞助商在财务上负责回扣时，计算机将该回扣借记到 赞助商的帐户，以及：（i）在销售点作为商户的折扣给予账户持有人; 或（ii）记入发行人向账户持有人发行的账户。
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公开(公告)号：US20110066483A1
公开(公告)日：2011-03-17
申请号：US12784324
申请日：2010-05-20
申请人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
发明人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/04 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0225 , G06Q30/0234 , G06Q30/0238
摘要： A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.
摘要翻译： 计算机接收信息，该信息用于授权商家向在帐户持有人的消费者帐户进行的交易中的帐户持有者销售产品的交易。 当计算机确认交易被授权并且交易发生在与产品相关联的折扣的预定时间段内以及相应的赞助商在财务上负责回扣时，计算机将该回扣借记到 赞助商的帐户，以及：（i）在销售点作为商户的折扣给予账户持有人; 或（ii）记入发行人向账户持有人发行的账户。
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公开(公告)号：US20100145786A1
公开(公告)日：2010-06-10
申请号：US12630622
申请日：2009-12-03
CPC分类号： G06Q30/02 , G06Q30/0226 , G06Q30/0238
摘要： A loyalty program for a transaction processing system includes a loyalty program database with loyalty program business rules that are usable to determine when a transaction qualifies for the loyalty program. A loyalty program rule implementer receives transaction data whenever a transaction occurs and uses the received transaction data and the program business rules to determine when a transaction qualifies for the loyalty program. The loyalty program rule implementer is an entity other than an issuer, an acquirer or a merchant. The loyalty program business rules require that the transaction relate to at least one of a specific merchant, a specific issuer, a specific acquirer, a specific consumer, a specific product/service, a consumer having a specific characteristic, a merchant having a specific characteristic, an issuer having a specific characteristic, an acquirer having a specific characteristic and a product/service having a specific characteristic.
摘要翻译： 交易处理系统的忠诚度计划包括具有忠诚度计划业务规则的忠诚度计划数据库，其可用于确定交易何时符合忠诚度计划。 忠诚度计划规则实现者每当事务发生时接收交易数据，并使用接收到的交易数据和程序业务规则来确定交易何时符合忠诚度计划。 忠诚度计划规则实施者是发行人，收购方或商户以外的实体。 忠诚度计划业务规则要求交易涉及特定商家，特定发行者，特定收购方，特定消费者，特定产品/服务，具有特定特征的消费者，具有特定特征的商家中的至少一个 具有特定特征的发行者，具有特定特征的收单方和具有特定特征的产品/服务。
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公开(公告)号：US20080217397A1
公开(公告)日：2008-09-11
申请号：US11683866
申请日：2007-03-08
IPC分类号： G06K5/00
摘要： The present invention provides systems and methods for facilitating transactions with real-time awards determinations for a cardholder. Each transaction includes transaction information, where the transaction information includes: cardholder information, merchant information, and a transaction amount. An engine determines if an award should be granted based on award criteria, such that the engine compares the transaction information with each award criterion in order to determine if the award should be granted in real-time with the transaction by the cardholder.
摘要翻译： 本发明提供了用于促进对持卡人的实时奖励确定的交易的系统和方法。 每个交易包括交易信息，其中交易信息包括：持卡人信息，商家信息和交易金额。 引擎确定是否应基于奖励标准授予奖励，使得引擎将交易信息与每个奖励标准进行比较，以确定是否应该由持卡人与交易实时授予奖励。
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公开(公告)号：US20080059302A1
公开(公告)日：2008-03-06
申请号：US11767202
申请日：2007-06-22
IPC分类号： G06Q30/00
CPC分类号： G06Q30/00 , G06Q30/0211 , G06Q30/0223 , G06Q30/0224 , G06Q30/0226 , G06Q30/0234 , G06Q30/0277
摘要： A loyalty program associated with a payment processing system is constructed, implemented, and refined through collaboration between collaborative constituents in the payment processing system. A first collaborative constituent may transmits a proposal having at least one parameter of the loyalty program to another collaborative constituents. The first collaborative constituent may receive a response to the proposal and transmit a reply based on the response. All remaining collaborative constituents in the negotiation process agree to a negotiated set of parameters. The negotiated set of parameters for the loyalty program is communicated to a loyalty program implementer that can be one of the collaborative constituents. The same process of proposal, response, and reply can be utilized to refine the negotiated set of parameters as long as the remaining collaborative constituents agree that refinement is in order.
摘要翻译： 通过支付处理系统中的协作成分之间的协作来构建，实现和改进与支付处理系统相关联的忠诚度计划。 第一合作组成部分可以将具有忠诚度计划的至少一个参数的提案传送到另一协作组成部分。 第一个合作组成部分可以接收对该提案的响应，并根据响应发送回复。 谈判过程中所有其余的合作成分同意一组谈判的参数。 忠诚计划的协商一组参数被传达给可以是协作组成部分之一的忠诚度计划实施者。 只要其余的合作组成部分同意改进是有序的，则可以使用相同的提案，响应和回复过程来完善协商的参数集。
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公开(公告)号：US08620738B2
公开(公告)日：2013-12-31
申请号：US11848112
申请日：2007-08-30
CPC分类号： G06Q30/02 , G06Q30/0226 , G06Q30/0238
摘要： The eligibility of an transaction between a consumer and a merchant toward an incentive for a loyalty program is determined using a globally unique identifier (GUID) matching algorithm. Information characterizing the transaction may include a GUID for the merchant and a GUID for an account of the consumer on which the transaction is payable. The GUIDs are each matched against GUIDs of merchants and accounts stored in a database, some of which are distinguished as loyalty program participants. When both the GUID for the merchant and the GUID for the account match with respective GUIDs in the database that are distinguished as loyalty program participants, the transaction is eligible toward the incentive.
摘要翻译： 使用全局唯一标识符（GUID）匹配算法确定消费者和商家之间对忠诚度计划的激励的交易的资格。 表征交易的信息可以包括商家的GUID和用于支付交易的消费者的帐户的GUID。 GUID每个与存储在数据库中的商家和帐户的GUID匹配，其中一些被区分为忠诚度计划参与者。 当商家的GUID和该帐户的GUID都与数据库中被分类为忠诚度计划参与者的相应GUID匹配时，该交易有资格获得激励。
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公开(公告)号：US20100169170A1
公开(公告)日：2010-07-01
申请号：US12604322
申请日：2009-10-22
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard , Jeanette M. Yoder , Leigh Amaro
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard , Jeanette M. Yoder , Leigh Amaro
CPC分类号： G06Q30/00 , G06Q30/0215
摘要： A value of an incentive in a loyalty program is debited from a funding balance and credited to an account used in a transaction that qualifies for the incentive. A computing device receives a plurality of transactions upon accounts issued to account holders by corresponding issuers. After the transactions that qualify for the incentive are cleared and settled, funds matching the value of the incentive is transferred from a funding balance of the sponsor of the incentive to the account used in the qualified transaction. The issuer's interchange fee remains intact after the credit is applied.
摘要翻译： 忠诚计划中的激励价值从资金余额中扣除，并记入有资格获得激励的交易中使用的账户。 计算设备在通过相应的发行者向帐户持有者发行账户时接收多个交易。 在符合激励条件的交易清算并结算后，与激励价值相匹配的资金将从激励担保人的资金余额转入合格交易使用的账户。 信用证申请后，发行人的兑换费用保持不变。
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公开(公告)号：US20080059306A1
公开(公告)日：2008-03-06
申请号：US11848112
申请日：2007-08-30
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0226 , G06Q30/0238
摘要： The eligibility of an transaction between a consumer and a merchant toward an incentive for a loyalty program is determined using a globally unique identifier (GUID) matching algorithm. Information characterizing the transaction may include a GUID for the merchant and a GUID for an account of the consumer on which the transaction is payable. The GUIDs are each matched against GUIDs of merchants and accounts stored in a database, some of which are distinguished as loyalty program participants. When both the GUID for the merchant and the GUID for the account match with respective GUIDs in the database that are distinguished as loyalty program participants, the transaction is eligible toward the incentive.
摘要翻译： 使用全局唯一标识符（GUID）匹配算法确定消费者和商家之间对忠诚度计划的激励的交易的资格。 表征交易的信息可以包括商家的GUID和用于支付交易的消费者的帐户的GUID。 GUID每个与存储在数据库中的商家和帐户的GUID匹配，其中一些被区分为忠诚度计划参与者。 当商家的GUID和该帐户的GUID都与数据库中被分类为忠诚度计划参与者的相应GUID匹配时，该交易有资格获得激励。
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