Virtual Points Clearinghouse
    3.
    发明申请
    Virtual Points Clearinghouse 审中-公开
    虚拟点交换所

    公开(公告)号:US20080281692A1

    公开(公告)日:2008-11-13

    申请号:US11747104

    申请日:2007-05-10

    IPC分类号: G06Q30/00 G06Q90/00

    摘要: Systems and methods establish a virtual points clearinghouse. The clearinghouse redeems heterogeneous digital micro-payments-such as bonus points received from various points issuers-across diverse service providers. Points meant for exclusive redemption at one service provider may be directly redeemed for non-corresponding goods of a different service provider. In one implementation, the clearinghouse includes contracts between points issuers, service providers, and a clearinghouse, including intervening conversion rates. A user interface enables a user to manage multiple point balances from a computing device, cell phone, or other mobile device. The user interface enables the user to find diverse goods and to directly obtain the goods by redeeming diverse heterogeneous points. The clearinghouse includes an invoicing engine to enable money flow between users, points issuers, service providers, and the clearinghouse.

    摘要翻译: 系统和方法建立虚拟点交换所。 票据交换所兑换异构数字微支付,例如从不同点发行人收到的奖励积分 - 跨不同服务提供商。 在一个服务提供商处用于独家兑换的积分可以直接兑换为不同服务提供商的非对应商品。 在一个实施中,票据交换所包括点发行者,服务提供者和票据交换所之间的合同,包括中介转换率。 用户界面使用户能够管理来自计算设备,蜂窝电话或其他移动设备的多个点余额。 用户界面使用户能够找到不同的商品,并通过赎回不同的异质点来直接获取商品。 票据交换所包括一个发票引擎,用于在用户,点发行者,服务提供商和票据交换中心之间实现货币流动。