公开(公告)号：US10387851B1

公开(公告)日：2019-08-20

申请号：US12572252

申请日：2009-10-01

申请人： Gabriel M. Krajicek ,  Don Shafer ,  Timothy Leroy Eisenman ,  Paul Rudolph Barton ,  Shawn Chapman

发明人： Gabriel M. Krajicek ,  Don Shafer ,  Timothy Leroy Eisenman ,  Paul Rudolph Barton ,  Shawn Chapman

IPC分类号： G06Q30/02 ,  G06Q20/06 ,  G06Q20/10

摘要： Reward payments are applied to a first account and/or any linked second accounts at a financial institution. A computer program determines whether the first account qualifies for application of a reward, which may be a first alternate interest rate and/or a reward payment formula. The program communicates application of the reward to the first account and any linked second accounts for an accounting period applicable to the reward if the first account qualifies for the reward. In an event wherein the first account does not qualify for the reward, the program communicates application of the base interest rate to the first account and any linked second accounts for an accounting period applicable to the base interest rate.

公开(公告)号：US07753264B2

公开(公告)日：2010-07-13

申请号：US11553716

申请日：2006-10-27

申请人： Don Shafer ,  Gabriel Krajicek ,  Paul Barton

发明人： Don Shafer ,  Gabriel Krajicek ,  Paul Barton

IPC分类号： G06K5/00

CPC分类号： G06Q20/28 ,  G06Q20/12 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0225 ,  G06Q30/0226

摘要： A system and method is provided for operating an automated reward system through a financial institution over a network for merchants that have enrolled in the institution's reward program and for users that have a banking account at the institution associated with the reward program. The system includes a transaction module coupled to the institution for managing enrollment in and processing of purchase information associated with the program. The method includes receiving information at the institution about a first purchase by an enrolled user at an enrolled merchant; determining if the first purchase and the user qualified for such merchant's reward program; assigning monetary credit to the user's account in connection with such first purchase which may be applied towards a future purchase by the user at the enrolled merchant; receiving information at the institution about a second purchase by the user at the enrolled merchant; and applying the previous credit toward payment of the second purchase.

摘要翻译： 提供了一种系统和方法，用于通过网络向金融机构运行自动奖励系统，用于已经注册该机构的奖励计划的商家以及在与奖励计划相关联的机构中具有银行账户的用户。 该系统包括耦合到机构的交易模块，用于管理与程序相关联的购买信息的注册和处理。 所述方法包括在所述机构处接收由登记的用户在登记的商家进行的第一次购买的信息; 确定第一次购买和用户是否符合此类商家的奖励计划; 将与此类首次购买相关联的货币信用额度分配给该用户的帐户，该购买可被应用于用户在注册商家的将来购买; 在所述机构处接收用户在所述注册商家进行的第二次购买的信息; 并将以前的信用额度应用于第二次购买的支付。

公开(公告)号：US20080116260A1

公开(公告)日：2008-05-22

申请号：US11553716

申请日：2006-10-27

申请人： Don Shafer ,  Gabriel Krajicek ,  Paul Barton

发明人： Don Shafer ,  Gabriel Krajicek ,  Paul Barton

IPC分类号： G06K5/00 ,  G07G1/14

CPC分类号： G06Q20/28 ,  G06Q20/12 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0225 ,  G06Q30/0226

摘要： A method carried out by processing a purchase by a user at a merchant; submitting purchase information to a financial institution; and assigning credit to the user according to the purchase and reward program terms tailored for the merchant. A further method carried out by issuing to a plurality of users a plurality of payment cards issued by a financial institution; enrolling a plurality of merchants to support a plurality of reward programs for the plurality of users, each merchant setting reward program terms tailored for purchases at the merchant; submitting purchase information to the financial institution each time a payment card is employed by one of the users to make a purchase at one of the merchants; confirming from the purchase information associated with the purchase a reward program common to the user and merchant; and assigning a plurality of credits to the plurality of users for future use at the plurality of merchants, each credit assigned according to the purchase and reward program common to the user and merchant. A system including a financial institution that maintains merchant and user data; a merchant that sets terms of a reward program for users and where a user makes a purchase and purchase information is processed and submitted to the financial institution; and a transaction module coupled to the financial institution, the transaction module receives reward program settings and purchase information from the merchant and tracks and maintains transactions associated with the reward program.

摘要翻译： 一种通过在商人处理用户的购买而进行的方法; 向金融机构提交采购信息; 以及根据为商家量身定制的购买和奖励计划条款向用户分配信用。 通过向多个用户发布由金融机构发行的多张支付卡进行的另一种方法; 登记多个商户以支持多个用户的多个奖励计划，每个商家设置奖励计划条款量身订做，用于在商户处购买; 每当一个用户雇用支付卡在其中一个商家购买时，向金融机构提交购买信息; 从与购买相关联的购买信息确认用户和商家共同的奖励程序; 以及将多个信用分配给所述多个用户以供将来在所述多个商家使用，根据所述用户和商家共同的所述购买和奖励程序分配各个信用额度。 包括维护商家和用户数据的金融机构的系统; 为用户设定奖励计划条款的商户，用户购买和购买信息的处理并提交给金融机构; 以及耦合到所述金融机构的交易模块，所述交易模块从所述商家接收奖励程序设置和购买信息，并跟踪并维护与所述奖励程序相关联的交易。