公开(公告)号：US20100070361A1

公开(公告)日：2010-03-18

申请号：US12210124

申请日：2008-09-12

申请人： Timothy Stephen Hurley ,  Shahid Ahmed ,  Shruti Chugh

发明人： Timothy Stephen Hurley ,  Shahid Ahmed ,  Shruti Chugh

IPC分类号： G06Q30/00 ,  G06Q20/00

CPC分类号： G06Q20/32 ,  G06Q20/24 ,  G06Q30/02 ,  G06Q30/0222

摘要： An online credit system is disclosed. The online credit system allows purchasers (requesters) to request and receive credit (e.g., store credit) for prior purchases of qualifying products. The credit can made available to purchasers as an electronic credit voucher. Through online interaction with the online credit system, a purchaser is able to be informed in near real-time whether a particular prior purchase qualifies for an offered credit. The online credit system can also enforce credit eligibility rules so that only certain prior purchases of certain products are able to receive a credit. The online credit system can also incorporate techniques to mitigate or prevent fraudulent attempts to access such credit. In one embodiment, the products qualifying for credit are wireless electronic devices, such as mobile telephones.

摘要翻译： 披露了网上信用制度。 在线信用系统允许购买者（请求者）请求并获得信用（例如，商店信用）以用于先前购买合格产品。 信用证可以作为电子信用凭证提供给购买者。 通过与在线信用系统的在线互动，购买者能够以实时的方式通知特定的先前购买是否符合提供的信用。 在线信用系统还可以强制执行信用资格规则，以便只有先前购买某些产品才能获得信用。 在线信用系统还可以采用技术来减轻或防止欺诈性尝试访问此类信用。 在一个实施例中，符合信用证的产品是诸如移动电话的无线电子设备。