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    MULTI-TIER PRICING OF INDIVIDUAL PRODUCTS BASED ON VOLUME DISCOUNTS
    4.
    发明申请
    MULTI-TIER PRICING OF INDIVIDUAL PRODUCTS BASED ON VOLUME DISCOUNTS 审中-公开
    基于体积折扣的个性化产品的多层次定价

    公开(公告)号：US20130060621A1

    公开(公告)日：2013-03-07

    申请号：US13599137

    申请日：2012-08-30

    申请人： Jay S. Walker ,  Andrew S. Van Luchene ,  Magdalena Mik ,  Daniel E. Tedesco

    发明人： Jay S. Walker ,  Andrew S. Van Luchene ,  Magdalena Mik ,  Daniel E. Tedesco

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/02 ,  G06Q20/202 ,  G06Q20/387 ,  G06Q30/0222 ,  G07G1/145

    摘要： A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated threshold purchase total that has to be satisfied before the discount price is applied to a transaction. When a transaction occurs, the purchase total for the transaction is first calculated on the basis of full retail prices for the products and the purchase total for the transaction is compared with one or more threshold purchase totals which correspond to the discount pricing tiers. If a discount pricing tier is applicable (e.g. the calculated purchase total for the transaction is at least equal to a threshold purchase total), the appropriate discount prices for each product in the transaction are retrieved and used to calculate a reduced purchase total for the transaction. Qualification for discount pricing can also be based on, for example, a customer's purchasing history, or the number of a certain type of product included in the transaction instead of the purchase total of a transaction.

    摘要翻译： 销售系统或其他计算机系统存储产品定价数据库，其中针对可出售的每个产品存储对应于一个或多个折扣价格层的全价和折扣价格。 给定产品的每个折扣价格都有相关的门槛购买总额，在折扣价格应用于交易之前必须满足。 当交易发生时，交易的购买总额首先根据产品的全部零售价格计算，并将交易的购买总额与对应于折扣价格层级的一个或多个门槛购买总额进行比较。 如果适用折扣价格层级（例如交易的计算购买总额至少等于门槛购买总额），则会检索交易中每个产品的适当折扣价格，并用于计算交易的减少购买总额 。 折扣定价的资格也可以基于例如客户的采购历史，或交易中包括的特定类型的产品的数量，而不是交易的购买总额。

    SYSTEM AND METHOD FOR FACILITATING ACCOUNT-BASED TRANSACTIONS
    5.
    发明申请
    SYSTEM AND METHOD FOR FACILITATING ACCOUNT-BASED TRANSACTIONS 失效
    促进基于帐户交易的系统和方法

    公开(公告)号：US20120265639A1

    公开(公告)日：2012-10-18

    申请号：US13531677

    申请日：2012-06-25

    申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    IPC分类号： G06Q30/06

    CPC分类号： G06Q20/401 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/385 ,  G06Q20/4037 ,  G06Q20/409 ,  G06Q20/425 ,  G06Q30/0284 ,  G06Q40/00 ,  G06Q40/12 ,  G07F7/08 ,  H04L29/06 ,  H04L67/14 ,  H04L69/329

    摘要： Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.

    摘要翻译： 提出了系统，方法和设备，以促进基于帐户的交易。 在一个实施例中，该方法包括将第一人员与帐户相关联，将第二人员与该帐户相关联，接收来自第三方的请求以授权第二人与第三方之间的交易，确定第二人与第三方之间的第一通信地址 第一方，并联系第一方。 该过程还包括确定第一人希望与第二人通信，确定第二人的第二通信地址，发起第一人与第二人之间的通信，以及接收来自第一人的授权的第一人的信号 交易或拒绝交易。

    Multi-tier pricing of individual products based on volume discounts
    6.
    发明申请
    Multi-tier pricing of individual products based on volume discounts 有权
    基于批量折扣的单个产品的多层次定价

    公开(公告)号：US20100106587A1

    公开(公告)日：2010-04-29

    申请号：US12592220

    申请日：2009-11-20

    申请人： Jay S. Walker ,  Andrew S. Van Luchene ,  Madgalena Mik ,  Daniel E. Tedesco

    发明人： Jay S. Walker ,  Andrew S. Van Luchene ,  Madgalena Mik ,  Daniel E. Tedesco

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/02 ,  G06Q20/202 ,  G06Q20/387 ,  G06Q30/0222 ,  G07G1/145

    摘要： A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated threshold purchase total that has to be satisfied before the discount price is applied to a transaction. When a transaction occurs, the purchase total for the transaction is first calculated on the basis of full retail prices for the products and the purchase total for the transaction is compared with one or more threshold purchase totals which correspond to the discount pricing tiers. If a discount pricing tier is applicable (e.g. the calculated purchase total for the transaction is at least equal to a threshold purchase total), the appropriate discount prices for each product in the transaction are retrieved and used to calculate a reduced purchase total for the transaction. Qualification for discount pricing can also be based on, for example, a customer's purchasing history, or the number of a certain type of product included in the transaction instead of the purchase total of a transaction.

    摘要翻译： 销售系统或其他计算机系统存储产品定价数据库，其中针对可出售的每个产品存储对应于一个或多个折扣价格层的全价和折扣价格。 给定产品的每个折扣价格都有相关的门槛购买总额，在折扣价格应用于交易之前必须满足。 当交易发生时，交易的购买总额首先根据产品的全部零售价格计算，并将交易的购买总额与对应于折扣价格层级的一个或多个门槛购买总额进行比较。 如果适用折扣价格层级（例如交易的计算购买总额至少等于门槛购买总额），则会检索交易中每个产品的适当折扣价格，并用于计算交易的减少购买总额 。 折扣定价的资格也可以基于例如客户的采购历史，或交易中包括的特定类型的产品的数量，而不是交易的购买总额。

    METHOD AND APPARATUS FOR PROCESSING A CHARGE APPLIED TO A FINANCIAL ACCOUNT
    7.
    发明申请
    METHOD AND APPARATUS FOR PROCESSING A CHARGE APPLIED TO A FINANCIAL ACCOUNT 审中-公开
    用于处理适用于财务帐目的费用的方法和装置

    公开(公告)号：US20090228381A1

    公开(公告)日：2009-09-10

    申请号：US12468637

    申请日：2009-05-19

    申请人： Magdalena Mik ,  Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    发明人： Magdalena Mik ,  Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    IPC分类号： G06Q20/00 ,  G06Q30/00 ,  G06Q40/00

    CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q30/04 ,  G06Q40/08 ,  G06Q50/22

    摘要： In one embodiment, a billing server receives charge data from a card authorization terminal. The charge data indicates a transaction amount, such as a purchase price, and a first financial account, such as a credit card account. The billing server determines a second financial account that corresponds to the first financial account. For example, the second financial account may be the financial account of an insurance company or other reimbursing party. The billing server also determines a reimbursement amount that corresponds to the first financial account. The second financial account is charged the reimbursement amount. Thus, a portion or all of the transaction amount is paid by a reimbursing party. The second financial account is only charged if a reimbursement rule is satisfied. For example, only purchases made at certain types of merchants may be reimbursed. In addition, the billing server may first request approval before charging the second financial account.

    摘要翻译： 在一个实施例中，记帐服务器从卡授权终端接收费用数据。 费用数据表示交易金额，例如购买价格，以及第一个金融账户，如信用卡账户。 计费服务器确定对应于第一金融账户的第二金融账户。 例如，第二财务帐户可以是保险公司或其他报销方的财务账户。 计费服务器还确定对应于第一金融账户的报销金额。 第二个财务帐户收取报销金额。 因此，一部分或全部交易金额由偿付方支付。 第二个财务帐户只有在偿还规定得到满足的情况下才会被收取。 例如，只有在某些类型的商家进行的购买可能会被报销。 此外，计费服务器可以在对第二金融账户收费之前首先请求批准。