公开(公告)号：US20070192186A1

公开(公告)日：2007-08-16

申请号：US11404080

申请日：2006-04-14

Applicant: Nancy Greene ,  Harvey Katz ,  David Kroner ,  Chris Munkacsy ,  Marniee Nottingham ,  Matthew Rogers

Inventor： Nancy Greene ,  Harvey Katz ,  David Kroner ,  Chris Munkacsy ,  Marniee Nottingham ,  Matthew Rogers

IPC: G06Q30/00

CPC classification number: G06Q30/02 ,  G06Q10/02 ,  G06Q30/0226 ,  G06Q30/0236 ,  G06Q50/12 ,  G06Q50/14

Abstract: Many customers are members of multiple frequent customer programs. When a customer wishes to book reward travel, searching each frequent customer program of which the customer is a member is difficult and time-consuming. A rewards program provider, such as a transactional account company, can provide members the opportunity to link frequent customer programs to the rewards program. When a customer searches for reward travel, the customer enters the request through the rewards program provider. The rewards program provider then sends a request to each frequent customer program which includes the customer identification. The frequent customer programs each return a search result tailored to the specific customer, taking into consideration the customer's status and point balance in the frequent customer program. The rewards program provider then allows the customer to book a selected reservation using points corresponding to a specific frequent customer program and/or points corresponding to the provider's rewards program.

Abstract translation: 许多客户是多个频繁的客户程序的成员。 当客户希望预订奖励旅行时，搜索客户所在的每个频繁的客户程序是困难和耗时的。 奖励计划提供者，如交易账户公司，可以为会员提供将频繁的客户计划链接到奖励计划的机会。 当客户搜索奖励旅行时，客户通过奖励计划提供商输入请求。 然后，奖励计划提供商向每个频繁的客户程序发送一个请求，其中包括客户识别。 频繁的客户计划每个都会返回针对特定客户的搜索结果，同时考虑到客户的频繁客户计划中的客户状态和点平衡。 奖励计划提供商然后允许客户使用与特定频繁客户程序相对应的点和/或对应于提供商的奖励计划的点来预订所选择的预约。

公开(公告)号：US20090106112A1

公开(公告)日：2009-04-23

申请号：US12338621

申请日：2008-12-18

Applicant: Atul Dalmia ,  Debasish Das ,  Mary C. Hines ,  David Kroner ,  Renu L. Vitale ,  Jill Kudysch Wiseman

Inventor： Atul Dalmia ,  Debasish Das ,  Mary C. Hines ,  David Kroner ,  Renu L. Vitale ,  Jill Kudysch Wiseman

IPC: G06Q20/00 ,  G06Q30/00 ,  G06Q10/00 ,  G06F15/16

CPC classification number: G06Q20/04 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/04 ,  G06Q40/12

Abstract: A system and method for spending loyalty points over a computerized network to facilitate a loyalty point transaction is disclosed. The system enables a participant of a loyalty program to accept an advance of loyalty point when a loyalty account balance is insufficient to make a desired purchase. An amount of loyalty points available as an advance to a participant is determined based on a number of criteria related to the participant, financial account activity, and loyalty account activity. The participant is allotted a predetermined length of time to earn or purchase enough loyalty points to repay the balance of advanced loyalty points. If, at the conclusion of such predetermined length of time, sufficient points have not been earned to offset the loyalty point advance, the participant is charged the currency value of each outstanding loyalty point. The participant may be assessed interest charges and/or fees at the time of the loyalty point advance, during reimbursement, or at the end of a time period for reimbursement.

Abstract translation: 公开了一种用于在计算机网络上消费忠诚度点以促进忠诚点交易的系统和方法。 当忠诚帐户余额不足以进行所需购买时，该系统使得忠诚度计划的参与者接受忠诚度点的提前。 基于与参与者，财务账户活动和忠诚度帐户活动相关的准则的数量来确定可用作参与者的预付款的忠诚度积分。 参与者被分配预定的时间长度以赚取或购买足够的忠诚积分以偿还高级忠诚度积分的余额。 如果在这样预定的时间长度结束之后，还没有获得足够的积分来抵消忠诚点提前，则参与者被收取每个未完成的忠诚点的货币价值。 参与者可以在忠诚点提前，报销期间或在报销期间结束时对利息费用和/或费用进行评估。

公开(公告)号：US20070260509A1

公开(公告)日：2007-11-08

申请号：US11314090

申请日：2005-12-22

Applicant: Mary Hines ,  David Kroner

Inventor： Mary Hines ,  David Kroner

IPC: G06Q30/00

CPC classification number: G06Q30/02 ,  G06Q30/0226 ,  G06Q30/0235 ,  G06Q30/0239

Abstract: Process for implementing redemption of accrued rewards from a loyalty rewards account for a benefit that is instantaneously fulfilled. The process includes linking a financial transaction instrument to the loyalty rewards account of a customer and receiving from the customer a request to redeem rewards from the loyalty rewards account for a benefit. In addition, the process automatically authorizes use of the financial transaction instrument to fulfill the benefit requested by the customer, and recognizes, across a computer network, fulfillment of the benefit by a merchant. The loyalty rewards account is automatically updated to reflect fulfillment of the benefit obtained by the customer.

Abstract translation: 从忠诚奖励帐户中实施赎回累积奖励的过程，以获得即时履行的利益。 该过程包括将金融交易工具与客户的忠诚奖励账户相连接，并从客户那里收到从忠诚奖励帐户中赎回奖励的请求，以获得利益。 此外，该过程自动授权使用金融交易工具来满足客户要求的利益，并通过计算机网络识别商家实现利益。 忠诚奖励账户自动更新，以反映客户获得的利益。

公开(公告)号：US20070106556A1

公开(公告)日：2007-05-10

申请号：US11613596

申请日：2006-12-20

Applicant: Adrienna Edwards ,  Mary Hines ,  David Kroner

Inventor： Adrienna Edwards ,  Mary Hines ,  David Kroner

IPC: G06Q30/00

CPC classification number: G06Q30/02 ,  G06Q30/0227 ,  G06Q30/0235

Abstract: A method of combining reward points from multiple accounts within the same rewards program into a joint redemption account. The method comprises establishing an on-line joint redemption or community reward account to which program members can contribute rewards points; allowing two or more contributing program members to contribute rewards points from their respective rewards program accounts to the community reward account; redeeming the points from the community reward account for a predetermined reward; and withdrawing the redeemed points from each contributing program member's rewards account according to that program member's contribution to the community reward account.

Abstract translation: 将同一奖励计划中多个账户的奖励积分合并到联合赎回账户中的方法。 该方法包括建立一个在线联合赎回或社区奖励帐户，方案成员可以向其提供奖励积分; 允许两个或多个贡献计划成员从他们各自的奖励计划账户向社区奖励账户提供奖励积分; 从社区奖励积分兑换积分以获得预定奖励; 根据该计划成员对社区奖励账户的贡献，从每个捐款计划成员的奖励账户中扣除已赎回的积分。

公开(公告)号：US20070179840A1

公开(公告)日：2007-08-02

申请号：US11270670

申请日：2005-11-10

Applicant: David Kroner ,  Mary Hines

Inventor： David Kroner ,  Mary Hines

IPC: G06Q30/00

CPC classification number: G06Q30/02 ,  G06Q30/0226 ,  G06Q30/0235 ,  G06Q30/0239

Abstract: A method of combining reward points from a plurality of rewards program accounts in a single rewards program into a joint redemption account is disclosed. The method comprises establishing a joint redemption or community reward account to which program members can contribute rewards points; allowing one or more contributing program members to contribute rewards points from their respective rewards program accounts to the community reward account; redeeming the points from the community reward account for a predetermined reward; and withdrawing the redeemed points from each contributing program member's rewards account according to that program member's contribution to the community reward account upon redemption of the points from the community reward account and not ever transferring points into another member's account to prevent to corporation from incurring incremental legal ownership risk.

Abstract translation: 公开了将单个奖励计划中的多个奖励计划账户的奖励积分合并到联合兑换账户中的方法。 该方法包括建立联合赎回或社区奖励帐户，计划成员可向其提供奖励积分; 允许一个或多个贡献计划成员从他们各自的奖励计划账户向社区奖励账户提供奖励积分; 从社区奖励积分兑换积分以获得预定奖励; 并根据该计划成员在社区奖励账户赎回积分后对社区奖励账户的贡献，从每个捐款计划成员的奖励账户中扣除赎回积分，并且不会将积分转入另一个会员账户，以防止公司招致增值法律 所有权风险。

公开(公告)号：US20070129955A1

公开(公告)日：2007-06-07

申请号：US11548203

申请日：2006-10-10

Applicant: Atul Dalmia ,  Debasish Das ,  Mary Hines ,  David Kroner ,  Renu Vitale ,  Jill Wiseman

Inventor： Atul Dalmia ,  Debasish Das ,  Mary Hines ,  David Kroner ,  Renu Vitale ,  Jill Wiseman

IPC: G06Q99/00

CPC classification number: G06Q20/04 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/04 ,  G06Q40/12

Abstract: A system and method for spending loyalty points over a computerized network to facilitate a loyalty point transaction is disclosed. The system enables a participant of a loyalty program to accept an advance of loyalty point when a loyalty account balance is insufficient to make a desired purchase. An amount of loyalty points available as an advance to a participant is determined based on a number of criteria related to the participant, financial account activity, and loyalty account activity. The participant is allotted a predetermined length of time to earn or purchase enough loyalty points to repay the balance of advanced loyalty points. If, at the conclusion of such predetermined length of time, sufficient points have not been earned to offset the loyalty point advance, the participant is charged the currency value of each outstanding loyalty point. The participant may be assessed interest charges and/or fees at the time of the loyalty point advance, during reimbursement, or at the end of a time period for reimbursement.

Abstract translation: 公开了一种用于在计算机网络上消费忠诚度点以促进忠诚点交易的系统和方法。 当忠诚帐户余额不足以进行所需购买时，该系统使得忠诚度计划的参与者接受忠诚度点的提前。 基于与参与者，财务账户活动和忠诚度帐户活动相关的准则的数量来确定可用作参与者的预付款的忠诚度积分。 参与者被分配预定的时间长度以赚取或购买足够的忠诚积分以偿还高级忠诚度积分的余额。 如果在这样预定的时间长度结束之后，还没有获得足够的积分来抵消忠诚点提前，则参与者被收取每个未完成的忠诚点的货币价值。 参与者可以在忠诚点提前，报销期间或在报销期间结束时对利息费用和/或费用进行评估。