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公开(公告)号：US08265993B2
公开(公告)日：2012-09-11
申请号：US13244198
申请日：2011-09-23
申请人： Emily Chien , Trish Sanchez , Daniela Saunders , Jill Wiseman , C. R. Balagopal , Al Kinderknecht , Jon W. Parson , Ray Preston
发明人： Emily Chien , Trish Sanchez , Daniela Saunders , Jill Wiseman , C. R. Balagopal , Al Kinderknecht , Jon W. Parson , Ray Preston
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/04 , G06Q20/10 , G06Q30/0215 , G06Q30/0226 , G06Q30/0233 , G06Q30/0267
摘要： The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation.
摘要翻译： 本发明涉及在计算机网络上消费忠诚度点以促进交易。 使用该系统，忠诚计划参与者能够使用现有交易卡在计算机网络上购买物品，同时通过将忠诚度积分转换为货币价值信用并且应用信用来抵消该交易的成本 给参与者的金融交易账户。 转换后的积分积分的货币信用额度也可用于储值卡，在线数位钱包账户等。 此外，货币信用也可能适用于其他帐户以进行礼物或捐赠。
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公开(公告)号：US08046256B2
公开(公告)日：2011-10-25
申请号：US09834478
申请日：2001-04-13
申请人： Emily Chien , Trish Sanchez , Daniela Saunders , Jill Wiseman , C R Balagopal , Al Kinderknecht , Jon W. Parson , Ray Preston
发明人： Emily Chien , Trish Sanchez , Daniela Saunders , Jill Wiseman , C R Balagopal , Al Kinderknecht , Jon W. Parson , Ray Preston
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/04 , G06Q20/10 , G06Q30/0215 , G06Q30/0226 , G06Q30/0233 , G06Q30/0267
摘要： The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation.
摘要翻译： 本发明涉及在计算机网络上消费忠诚度点以促进交易。 使用该系统，忠诚计划参与者能够使用现有交易卡在计算机网络上购买物品，同时通过将忠诚度积分转换为货币价值信用并且应用信用来抵消该交易的成本 给参与者的金融交易账户。 转换后的积分积分的货币信用额度也可用于储值卡，在线数位钱包账户等。 此外，货币信用也可能适用于其他帐户以进行礼物或捐赠。
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公开(公告)号：US20120310725A1
公开(公告)日：2012-12-06
申请号：US13587486
申请日：2012-08-16
申请人： Emily Chien , Trish Sanchez , Daniela Saunders , Jill Wiseman , C.R. Balagopal , Al Kinderknecht , Jon W. Parson , Ray Preston
发明人： Emily Chien , Trish Sanchez , Daniela Saunders , Jill Wiseman , C.R. Balagopal , Al Kinderknecht , Jon W. Parson , Ray Preston
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q20/04 , G06Q20/10 , G06Q30/0215 , G06Q30/0226 , G06Q30/0233 , G06Q30/0267
摘要： The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation.
摘要翻译： 本发明涉及在计算机网络上消费忠诚度点以促进交易。 使用该系统，忠诚计划参与者能够使用现有交易卡在计算机网络上购买物品，同时通过将忠诚度积分转换为货币价值信用并且应用信用来抵消该交易的成本 给参与者的金融交易账户。 转换后的积分积分的货币信用额度也可用于储值卡，在线数位钱包账户等。 此外，货币信用也可能适用于其他帐户以进行礼物或捐赠。
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公开(公告)号：US20120035998A1
公开(公告)日：2012-02-09
申请号：US13244198
申请日：2011-09-23
申请人： Emily Chien , Trish Sanchez , Daniela Saunders , Jill Wiseman , C.R. Balagopal , Al Kinderknecht , Jon W. Parson , Ray Preston
发明人： Emily Chien , Trish Sanchez , Daniela Saunders , Jill Wiseman , C.R. Balagopal , Al Kinderknecht , Jon W. Parson , Ray Preston
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q20/04 , G06Q20/10 , G06Q30/0215 , G06Q30/0226 , G06Q30/0233 , G06Q30/0267
摘要： The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation.
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公开(公告)号：US08401898B2
公开(公告)日：2013-03-19
申请号：US13587486
申请日：2012-08-16
申请人： Emily Chien , Trish Sanchez , Daniela Saunders , Jill Wiseman , C. R. Balagopal , Al Kinderknecht , Jon W. Parson , Ray Preston
发明人： Emily Chien , Trish Sanchez , Daniela Saunders , Jill Wiseman , C. R. Balagopal , Al Kinderknecht , Jon W. Parson , Ray Preston
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/04 , G06Q20/10 , G06Q30/0215 , G06Q30/0226 , G06Q30/0233 , G06Q30/0267
摘要： The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation.
摘要翻译： 本发明涉及在计算机网络上消费忠诚度点以促进交易。 使用该系统，忠诚计划参与者能够使用现有交易卡在计算机网络上购买物品，同时通过将忠诚度积分转换为货币价值信用并且应用信用来抵消该交易的成本 给参与者的金融交易账户。 转换后的积分积分的货币信用额度也可用于储值卡，在线数位钱包账户等。 此外，货币信用也可能适用于其他帐户以进行礼物或捐赠。
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