公开(公告)号：US20050071227A1

公开(公告)日：2005-03-31

申请号：US10676848

申请日：2003-09-30

申请人： Ayman Hammad ,  Loc Nguyen ,  Liane Redford ,  Gary Yamamura

发明人： Ayman Hammad ,  Loc Nguyen ,  Liane Redford ,  Gary Yamamura

IPC分类号： G06Q30/00 ,  G06F17/60

CPC分类号： G06Q30/02 ,  G06Q30/0226 ,  G06Q30/0267

摘要： Techniques for providing a plurality of incentives for a product during a loyalty transaction are provided. A group of eligible incentives for a product are determined and one or more of the eligible incentives are selected and applied to the loyalty transaction. The techniques include determining a plurality of incentives that are eligible for application to the transaction, the eligibility based on at least one product; determining one or more incentives from the plurality of incentives to apply to the transaction; and applying the determined one or more incentives to the transaction.

摘要翻译： 提供了在忠诚度交易期间为产品提供多种激励的技术。 确定一组符合资格的产品激励措施，并选择一项或多项符合条件的激励措施并将其应用于忠诚度交易。 这些技术包括确定有资格申请交易的多个激励，基于至少一个产品的资格; 确定从所述多个激励中应用于所述交易的一个或多个激励; 以及将所确定的一个或多个激励应用于所述交易。

公开(公告)号：US20140095288A1

公开(公告)日：2014-04-03

申请号：US14094363

申请日：2013-12-02

申请人： Liane Redford ,  Bryan Shimko ,  Loc Nguyen ,  Ayman Hammad

发明人： Liane Redford ,  Bryan Shimko ,  Loc Nguyen ,  Ayman Hammad

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0226 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0222 ,  G06Q30/0227 ,  G06Q30/0229 ,  G06Q30/0237 ,  G06Q30/0238 ,  G06Q30/0267

摘要： A network centric system that enables participation by any number of entities including sponsors, issuers, merchants, portable devices, and acceptance point devices in one or more loyalty programs is provided. Any combination of entities may be specified for different loyalty programs.

摘要翻译： 提供了一种以网络为中心的系统，其允许包括赞助商，发行商，商家，便携式设备和验收点设备在内的任何数量的实体参与一个或多个忠诚度程序。 可以为不同的忠诚度计划指定实体的任何组合。

公开(公告)号：US08626577B2

公开(公告)日：2014-01-07

申请号：US10401504

申请日：2003-03-27

申请人： Liane Redford ,  Bryan Shimko ,  Loc Nguyen ,  Ayman Hammad

发明人： Liane Redford ,  Bryan Shimko ,  Loc Nguyen ,  Ayman Hammad

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0226 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0222 ,  G06Q30/0237 ,  G06Q30/0238 ,  G06Q30/0267

摘要： A network centric system that enables participation by any number of entities including sponsors, issuers, merchants, portable devices, and acceptance point devices in one or more loyalty programs is provided. Any combination of entities may be specified for different loyalty programs.

摘要翻译： 提供了一种以网络为中心的系统，其允许包括赞助商，发行商，商家，便携式设备和验收点设备在内的任何数量的实体参与一个或多个忠诚度程序。 可以为不同的忠诚度计划指定实体的任何组合。

公开(公告)号：US08244648B2

公开(公告)日：2012-08-14

申请号：US13185241

申请日：2011-07-18

申请人： Loc Nguyen ,  Ayman Hammad ,  Patrick Gauthier

发明人： Loc Nguyen ,  Ayman Hammad ,  Patrick Gauthier

IPC分类号： G06Q99/00

CPC分类号： G06Q30/06 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q30/0238 ,  G06Q30/0268 ,  G06Q30/0283 ,  G06Q30/0601

摘要： A system for providing distributed control to process transactions is disclosed. The system includes a service provider system having associated therewith a number of rules and a number of meta-rules, a point of service device having associated therewith a number of rules and a number of meta-rules, and a portable device having associated therewith a number of rules and a number of meta-rules. The portable device uses its associated rules to determine an outcome for a transaction. If the portable device is unable to determine the outcome for the transaction, the portable device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the point of service device to help determine the outcome using the rules and meta-rules associated with the point of service device. If the point of service device is unable to determine the outcome using its associated rules, the point of service device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the service provider system to help determine the outcome using the rules and meta-rules associated with the service provider system.

摘要翻译： 公开了一种用于提供分布式控制以处理事务的系统。 该系统包括具有与其相关联的多个规则和多个元规则的服务提供商系统，具有与其相关联的多个规则和多个元规则的服务点设备以及与其相关联的便携式设备 规则数量和多个元规则。 便携式设备使用其相关规则来确定交易的结果。 如果便携式设备无法确定交易的结果，则便携式设备使用其相关联的元规则来确定其本地相关规则中的一个或多个是否可以在本地进行更改，以便确定结果或请求服务点 设备帮助使用与服务点设备相关联的规则和元规则来确定结果。 如果服务点设备不能使用其相关规则来确定结果，则服务点设备使用其相关联的元规则来确定其本地关联规则中的一个或多个是否可以被本地改变以便确定结果或 请求服务提供商系统使用与服务提供商系统相关联的规则和元规则帮助确定结果。

公开(公告)号：US20120016756A1

公开(公告)日：2012-01-19

申请号：US13185241

申请日：2011-07-18

申请人： Loc Nguyen ,  Ayman Hammad ,  Patrick Gauthier

发明人： Loc Nguyen ,  Ayman Hammad ,  Patrick Gauthier

IPC分类号： G06Q30/00

CPC分类号： G06Q30/06 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q30/0238 ,  G06Q30/0268 ,  G06Q30/0283 ,  G06Q30/0601

摘要： A system for providing distributed control to process transactions is disclosed. The system includes a service provider system having associated therewith a number of rules and a number of meta-rules, a point of service device having associated therewith a number of rules and a number of meta-rules, and a portable device having associated therewith a number of rules and a number of meta-rules. The portable device uses its associated rules to determine an outcome for a transaction. If the portable device is unable to determine the outcome for the transaction, the portable device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the point of service device to help determine the outcome using the rules and meta-rules associated with the point of service device. If the point of service device is unable to determine the outcome using its associated rules, the point of service device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the service provider system to help determine the outcome using the rules and meta-rules associated with the service provider system.

摘要翻译： 公开了一种用于提供分布式控制以处理事务的系统。 该系统包括具有与其相关联的多个规则和多个元规则的服务提供商系统，具有与其相关联的多个规则和多个元规则的服务点设备以及与其相关联的便携式设备 规则数量和多个元规则。 便携式设备使用其相关规则来确定交易的结果。 如果便携式设备无法确定交易的结果，则便携式设备使用其相关联的元规则来确定其本地相关规则中的一个或多个是否可以在本地进行更改，以便确定结果或请求服务点 设备帮助使用与服务点设备相关联的规则和元规则来确定结果。 如果服务点设备不能使用其相关规则来确定结果，则服务点设备使用其相关联的元规则来确定其本地关联规则中的一个或多个是否可以被本地改变以便确定结果或 请求服务提供商系统使用与服务提供商系统相关联的规则和元规则帮助确定结果。

公开(公告)号：US08005763B2

公开(公告)日：2011-08-23

申请号：US10678034

申请日：2003-09-30

申请人： Loc Nguyen ,  Ayman Hammad ,  Patrick Gauthier

发明人： Loc Nguyen ,  Ayman Hammad ,  Patrick Gauthier

IPC分类号： G06Q99/00

CPC分类号： G06Q30/06 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q30/0238 ,  G06Q30/0268 ,  G06Q30/0283 ,  G06Q30/0601

摘要： A system for providing distributed control to process transactions is disclosed. The system includes a service provider system having associated therewith a number of rules and a number of meta-rules, a point of service device having associated therewith a number of rules and a number of meta-rules, and a portable device having associated therewith a number of rules and a number of meta-rules. The portable device uses its associated rules to determine an outcome for a transaction. If the portable device is unable to determine the outcome for the transaction, the portable device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the point of service device to help determine the outcome using the rules and meta-rules associated with the point of service device. If the point of service device is unable to determine the outcome using its associated rules, the point of service device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the service provider system to help determine the outcome using the rules and meta-rules associated with the service provider system.

摘要翻译： 公开了一种用于提供分布式控制以处理事务的系统。 该系统包括具有与其相关联的多个规则和多个元规则的服务提供商系统，具有与其相关联的多个规则和多个元规则的服务点设备以及与其相关联的便携式设备 规则数量和多个元规则。 便携式设备使用其相关规则来确定交易的结果。 如果便携式设备无法确定交易的结果，则便携式设备使用其相关联的元规则来确定其本地相关规则中的一个或多个是否可以在本地进行更改，以便确定结果或请求服务点 设备帮助使用与服务点设备相关联的规则和元规则来确定结果。 如果服务点设备不能使用其相关规则来确定结果，则服务点设备使用其相关联的元规则来确定其本地关联规则中的一个或多个是否可以被本地改变以便确定结果或 请求服务提供商系统使用与服务提供商系统相关联的规则和元规则帮助确定结果。

公开(公告)号：US20130041766A1

公开(公告)日：2013-02-14

申请号：US13545161

申请日：2012-07-10

申请人： Loc Nguyen ,  Ayman Hammad ,  Patrick Gauthier

发明人： Loc Nguyen ,  Ayman Hammad ,  Patrick Gauthier

IPC分类号： G06Q30/06

CPC分类号： G06Q30/06 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q30/0238 ,  G06Q30/0268 ,  G06Q30/0283 ,  G06Q30/0601

摘要： A system for providing distributed control to process transactions is disclosed, including a service provider system, a point of service device, and a portable device. The service provider system, point of service (POS) device, and portable device each have a plurality of rules and a number of meta-rules. The portable device is used with the POS device to conduct a transaction. If the portable device is unable to determine the outcome for the transaction, the portable device determines whether its rules may be altered locally to determine the outcome, or request the POS device to help determine the outcome. If the POS device is unable to determine the outcome, the POS device determines whether its rules can be altered locally in order to determine the outcome, or request the service provider system to help determine the outcome using the rules and meta-rules associated with the service provider system.

摘要翻译： 公开了一种用于提供处理事务的分布式控制的系统，包括服务提供商系统，服务点设备和便携式设备。 服务提供商系统，服务点（POS）设备和便携式设备各自具有多个规则和多个元规则。 便携式设备与POS设备一起进行交易。 如果便携式设备不能确定交易的结果，则便携式设备确定其规则是否可以在本地改变以确定结果，或请求POS设备来帮助确定结果。 如果POS设备无法确定结果，则POS设备确定其规则是否可以在本地更改以确定结果，或请求服务提供商系统帮助使用规则和相关联的元规则确定结果 服务提供商系统。

公开(公告)号：US20050071226A1

公开(公告)日：2005-03-31

申请号：US10676723

申请日：2003-09-30

申请人： Loc Nguyen ,  Bryan Shimko ,  Ayman Hammad

发明人： Loc Nguyen ,  Bryan Shimko ,  Ayman Hammad

IPC分类号： G06Q30/00 ,  G06F17/60

CPC分类号： G06Q30/06 ,  G06Q30/0231

摘要： A method for generating a terms and conditions (T&C) statement for a transaction is disclosed. The method includes: using a portable device to conduct the transaction, the portable device having portable device information; determining if a terms and conditions statement is needed for the transaction based on the portable device information; dynamically generating the terms and conditions statement for the transaction; and outputting the generated terms and conditions statement.

摘要翻译： 披露了一种用于生成交易条款和条件（T＆C）语句的方法。 该方法包括：使用便携式设备进行交易，便携式设备具有便携式设备信息; 基于便携式设备信息来确定交易的条款和条件语句是否需要; 动态生成交易的条款和条件声明; 并输出生成的条款和条件语句。

公开(公告)号：US20050071235A1

公开(公告)日：2005-03-31

申请号：US10678034

申请日：2003-09-30

申请人： Loc Nguyen ,  Ayman Hammad ,  Patrick Gauthier

发明人： Loc Nguyen ,  Ayman Hammad ,  Patrick Gauthier

IPC分类号： G06F17/60

CPC分类号： G06Q30/06 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q30/0238 ,  G06Q30/0268 ,  G06Q30/0283 ,  G06Q30/0601

摘要： A system for providing distributed control to process transactions is disclosed. The system includes a service provider system having associated therewith a number of rules and a number of meta-rules, a point of service device having associated therewith a number of rules and a number of meta-rules, and a portable device having associated therewith a number of rules and a number of meta-rules. The portable device uses its associated rules to determine an outcome for a transaction. If the portable device is unable to determine the outcome for the transaction, the portable device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the point of service device to help determine the outcome using the rules and meta-rules associated with the point of service device. If the point of service device is unable to determine the outcome using its associated rules, the point of service device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the service provider system to help determine the outcome using the rules and meta-rules associated with the service provider system.

摘要翻译： 公开了一种用于提供分布式控制以处理事务的系统。 该系统包括具有与其相关联的多个规则和多个元规则的服务提供商系统，具有与其相关联的多个规则和多个元规则的服务点设备以及与其相关联的便携式设备 规则数量和多个元规则。 便携式设备使用其相关规则来确定交易的结果。 如果便携式设备无法确定交易的结果，则便携式设备使用其相关联的元规则来确定其本地相关规则中的一个或多个是否可以在本地进行更改，以便确定结果或请求服务点 设备帮助使用与服务点设备相关联的规则和元规则来确定结果。 如果服务点设备不能使用其相关规则来确定结果，则服务点设备使用其相关联的元规则来确定其本地关联规则中的一个或多个是否可以被本地改变以便确定结果或 请求服务提供商系统使用与服务提供商系统相关联的规则和元规则帮助确定结果。

公开(公告)号：US10402813B2

公开(公告)日：2019-09-03

申请号：US16286606

申请日：2019-02-27

申请人： Ayman Hammad

发明人： Ayman Hammad

IPC分类号： H04M3/42 ,  G06Q20/32 ,  H04W12/08 ,  H04W4/18 ,  G06Q20/38 ,  H04W12/04 ,  G06Q20/40 ,  H04L29/08 ,  H04L29/06

摘要： A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system stores security keys of all issuers in order to validate transaction data sent from the merchants. The provisioning system monitors authorization requests routed through the transaction processing system and retrieves an authorization request of a financial transaction initiated with a particular FPD. The provisioning system then transmits the FPD data contained in the retrieved authorization request and the security key stored in the transaction processing system to a secure memory element of the mobile communication device to enable the mobile communication device to operate as a FPD.