公开(公告)号：US07739124B1

公开(公告)日：2010-06-15

申请号：US09678117

申请日：2000-10-02

申请人： Jay S. Walker ,  James A. Jorasch ,  Geoffrey M. Gelman ,  Russell Pratt Sammon ,  Andrew P. Golden ,  Stephen C. Tulley ,  Brian M. Dugan ,  Timothy A. Palmer ,  Terry E. Mayfield ,  John B. Dickerson ,  Michiko Kobayashi

发明人： Jay S. Walker ,  James A. Jorasch ,  Geoffrey M. Gelman ,  Russell Pratt Sammon ,  Andrew P. Golden ,  Stephen C. Tulley ,  Brian M. Dugan ,  Timothy A. Palmer ,  Terry E. Mayfield ,  John B. Dickerson ,  Michiko Kobayashi

IPC分类号： G06Q10/00

CPC分类号： G06F19/328 ,  G06F19/00 ,  G06Q30/0208 ,  G06Q30/0222 ,  G06Q40/08 ,  G06Q50/22 ,  G06Q50/24

摘要： A system and method is disclosed whereby a customer involved in a transaction is offered a benefit to be applied to the transaction in exchange for undertaking or agreeing to undertake some form of preventative treatment. The transaction may be a purchase of goods or services occurring, for example, over the Internet. In one embodiment, the customer may select an option whereby a third party, such as an insurer of the customer, will provide payment for at least part of the transaction, in exchange for the customer undergoing a preventative treatment. The preventative treatment may include a health treatment screening or test. The payment provided may be determined from an expected future savings in insuring the customer if the preventative treatment is undertaken. Payment may also be conditioned upon the customer's agreement to continue his or her insurance coverage with the insurer or to confirm that the preventative treatment was performed. In certain embodiments, the insurer may place a hold against a financial account for the value of the benefit until administration of the preventative treatment is confirmed.

摘要翻译： 披露了一种系统和方法，其中参与交易的客户被提供用于交易的利益，以换取承诺或同意进行某种形式的预防性治疗。 交易可能是购买通过互联网发生的商品或服务。 在一个实施例中，客户可以选择一种选项，其中第三方（例如客户的保险人）将为交易的至少一部分提供支付，以换取进行预防性治疗的客户。 预防性治疗可以包括健康治疗筛选或测试。 如果进行预防性治疗，所提供的付款可以从预期的未来节省确定来确保客户。 付款还可以根据客户的协议，与保险公司继续保险，或确认是否进行了预防性处理。 在某些实施方案中，保险人可以对金融账户进行抵押以获得利益的价值，直到确认预防性治疗的施用。

公开(公告)号：US20120010934A1

公开(公告)日：2012-01-12

申请号：US13237532

申请日：2011-09-20

申请人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew P. Golden ,  Michiko Koabayashi

发明人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew P. Golden ,  Michiko Koabayashi

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0257 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0267 ,  G06Q30/04

摘要： A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.

公开(公告)号：US20120239476A1

公开(公告)日：2012-09-20

申请号：US13436757

申请日：2012-03-30

申请人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

发明人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0257 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0267 ,  G06Q30/04

摘要： A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.

公开(公告)号：US20120311617A1

公开(公告)日：2012-12-06

申请号：US13436678

申请日：2012-03-30

申请人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

发明人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

IPC分类号： G06Q30/02 ,  H04N21/2543

CPC分类号： G06Q30/0257 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0267 ,  G06Q30/04

摘要： A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.

公开(公告)号：US20120254914A1

公开(公告)日：2012-10-04

申请号：US13436294

申请日：2012-03-30

申请人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

发明人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

IPC分类号： G06Q30/02 ,  H04N21/43 ,  H04N21/254

CPC分类号： G06Q30/0257 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0267 ,  G06Q30/04

摘要： A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.

公开(公告)号：US20120240160A1

公开(公告)日：2012-09-20

申请号：US13436143

申请日：2012-03-30

申请人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

发明人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

IPC分类号： G06Q30/02 ,  H04N21/266

CPC分类号： G06Q30/0257 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0267 ,  G06Q30/04

摘要： A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.

公开(公告)号：US20120240157A1

公开(公告)日：2012-09-20

申请号：US13436797

申请日：2012-03-30

申请人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

发明人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

IPC分类号： G06Q30/02 ,  H04N21/254

CPC分类号： G06Q30/0257 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0267 ,  G06Q30/04

摘要： A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.

公开(公告)号：US20120240154A1

公开(公告)日：2012-09-20

申请号：US13436425

申请日：2012-03-30

申请人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

发明人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

IPC分类号： G06Q30/02 ,  H04N21/254

CPC分类号： G06Q30/0257 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0267 ,  G06Q30/04

摘要： A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.

公开(公告)号：US08645202B2

公开(公告)日：2014-02-04

申请号：US13436678

申请日：2012-03-30

申请人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, Jr. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

发明人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, Jr. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0257 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0267 ,  G06Q30/04

摘要： A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.

公开(公告)号：US20120239480A1

公开(公告)日：2012-09-20

申请号：US13436490

申请日：2012-03-30

申请人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

发明人： Jay S. Walker ,  James A. Jorasch ,  Daniel E. Tedesco ,  Stephen C. Tulley ,  Timothy A. Palmer ,  Russell Pratt Sammon ,  John M. Packes, JR. ,  Geoffrey M. Gelman ,  Kurt M. Maschoff ,  Andrew M. Golden ,  Michiko Kobayashi

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0257 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0267 ,  G06Q30/04

摘要： A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.