公开(公告)号：US08620811B2

公开(公告)日：2013-12-31

申请号：US13725876

申请日：2012-12-21

申请人： Raghav Lal ,  Christopher P Aguas

发明人： Raghav Lal ,  Christopher P Aguas

IPC分类号： G06Q40/00 ,  G06Q40/02 ,  G06Q30/02

CPC分类号： G06Q30/0207 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0213 ,  G06Q30/06 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a business transaction using a payment processing network is disclosed. The method includes sending an authorization request message including an authorization request to an issuer, where the authorization request message originates from a business consumer purchasing goods or services from an oligopolistic business entity. The issuer sends an authorization response message indicating that the authorization request is approved or not approved. Economic incentives associated with the business transaction is provided to the oligopolistic business entity or the business consumer for conducting the business transaction, wherein the incentive would not be available in a transaction between a non-oligopolistic business entity and the business consumer. A method for encouraging use of electronic payment methods is also disclosed, wherein an oligopolistic entity and a group of business consumers in an industry vertical are identified based on sales information, and an economic incentive is provided to the oligopolistic business entity after it agrees to accept electronic payment transactions for conducting business with the group of business consumers.

摘要翻译： 公开了一种使用支付处理网络进行商业交易的方法。 该方法包括向发行者发送包括授权请求的授权请求消息，其中授权请求消息源于从垄断商业实体购买商品或服务的商业消费者。 颁发者发送一个授权响应消息，指示授权请求被批准或未被批准。 向寡头垄断商业实体或商业消费者提供与商业交易相关的经济激励，用于进行商业交易，其中在非寡头垄断商业实体与商业消费者之间的交易中不能获得激励。 还公开了一种鼓励使用电子支付方式的方法，其中基于销售信息确定了行业垂直的寡头垄断实体和一组商业消费者群体，并在垄断企业实体同意接受后提供经济激励 与业务消费者群体进行业务的电子支付交易。

公开(公告)号：US07725394B2

公开(公告)日：2010-05-25

申请号：US11614747

申请日：2006-12-21

申请人： Raghav Lal ,  Christopher P. Aguas

发明人： Raghav Lal ,  Christopher P. Aguas

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0207 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0213 ,  G06Q30/06 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a business transaction using a payment processing network is disclosed. The method includes sending an authorization request message including an authorization request to an issuer, where the authorization request message originates from a business consumer purchasing goods or services from an oligopolistic business entity. The issuer sends an authorization response message indicating that the authorization request is approved or not approved. Economic incentives associated with the business transaction are provided to the oligopolistic business entity or the business consumer for conducting the business transaction, wherein the incentive would not be available in a transaction between a non-oligopolistic business entity and the business consumer. A method for encouraging use of electronic payment methods is also disclosed, wherein an oligopolistic entity and a group of business consumers in an industry vertical are identified based on sales information, and an economic incentive is provided to the oligopolistic business entity after it agrees to accept electronic payment transactions for conducting business with the group of business consumers.

摘要翻译： 公开了一种使用支付处理网络进行商业交易的方法。 该方法包括向发行者发送包括授权请求的授权请求消息，其中授权请求消息源于从垄断商业实体购买商品或服务的商业消费者。 颁发者发送一个授权响应消息，指示授权请求被批准或未被批准。 向寡头垄断商业实体或商业消费者提供与商业交易相关的经济激励，用于进行商业交易，其中在非寡头垄断商业实体与商业消费者之间的交易中不能获得激励。 还公开了一种鼓励使用电子支付方式的方法，其中基于销售信息确定了行业垂直的寡头垄断实体和一组商业消费者群体，并在垄断企业实体同意接受后提供经济激励 与业务消费者群体进行业务的电子支付交易。

公开(公告)号：US20130191192A1

公开(公告)日：2013-07-25

申请号：US13725876

申请日：2012-12-21

申请人： Raghav Lal ,  Christopher P. Aguas

发明人： Raghav Lal ,  Christopher P. Aguas

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0207 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0213 ,  G06Q30/06 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a business transaction using a payment processing network is disclosed. The method includes sending an authorization request message including an authorization request to an issuer, where the authorization request message originates from a business consumer purchasing goods or services from an oligopolistic business entity. The issuer sends an authorization response message indicating that the authorization request is approved or not approved. Economic incentives associated with the business transaction is provided to the oligopolistic business entity or the business consumer for conducting the business transaction, wherein the incentive would not be available in a transaction between a non-oligopolistic business entity and the business consumer. A method for encouraging use of electronic payment methods is also disclosed, wherein an oligopolistic entity and a group of business consumers in an industry vertical are identified based on sales information, and an economic incentive is provided to the oligopolistic business entity after it agrees to accept electronic payment transactions for conducting business with the group of business consumers.

摘要翻译： 公开了一种使用支付处理网络进行商业交易的方法。 该方法包括向发行者发送包括授权请求的授权请求消息，其中授权请求消息源于从垄断商业实体购买商品或服务的商业消费者。 颁发者发送一个授权响应消息，指示授权请求被批准或未被批准。 向寡头垄断商业实体或商业消费者提供与商业交易相关的经济激励，用于进行商业交易，其中在非寡头垄断商业实体与商业消费者之间的交易中不能获得激励。 还公开了一种鼓励使用电子支付方式的方法，其中基于销售信息确定了行业垂直的寡头垄断实体和一组商业消费者群体，并在垄断企业实体同意接受后提供经济激励 与业务消费者群体进行业务的电子支付交易。

公开(公告)号：US08364592B2

公开(公告)日：2013-01-29

申请号：US12755988

申请日：2010-04-07

申请人： Raghav Lal ,  Christopher P. Aguas

发明人： Raghav Lal ,  Christopher P. Aguas

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0207 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0213 ,  G06Q30/06 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a business transaction using a payment processing network is disclosed. The method includes sending an authorization request message including an authorization request to an issuer, where the authorization request message originates from a business consumer purchasing goods or services from an oligopolistic business entity. The issuer sends an authorization response message indicating that the authorization request is approved or not approved. Economic incentives associated with the business transaction is provided to the oligopolistic business entity or the business consumer for conducting the business transaction, wherein the incentive would not be available in a transaction between a non-oligopolistic business entity and the business consumer. A method for encouraging use of electronic payment methods is also disclosed, wherein an oligopolistic entity and a group of business consumers in an industry vertical are identified based on sales information, and an economic incentive is provided to the oligopolistic business entity after it agrees to accept electronic payment transactions for conducting business with the group of business consumers.

摘要翻译： 公开了一种使用支付处理网络进行商业交易的方法。 该方法包括向发行者发送包括授权请求的授权请求消息，其中授权请求消息源于从垄断商业实体购买商品或服务的商业消费者。 颁发者发送一个授权响应消息，指示授权请求被批准或未被批准。 向寡头垄断商业实体或商业消费者提供与商业交易相关的经济激励，用于进行商业交易，其中在非寡头垄断商业实体与商业消费者之间的交易中不能获得激励。 还公开了一种鼓励使用电子支付方式的方法，其中基于销售信息确定了行业垂直的寡头垄断实体和一组商业消费者群体，并在垄断企业实体同意接受后提供经济激励 与业务消费者群体进行业务的电子支付交易。

公开(公告)号：US20100198669A1

公开(公告)日：2010-08-05

申请号：US12755988

申请日：2010-04-07

申请人： Raghav Lal ,  Christopher P. Aguas

发明人： Raghav Lal ,  Christopher P. Aguas

IPC分类号： G06Q30/00 ,  G06Q20/00

CPC分类号： G06Q30/0207 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0213 ,  G06Q30/06 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a business transaction using a payment processing network is disclosed. The method includes sending an authorization request message including an authorization request to an issuer, where the authorization request message originates from a business consumer purchasing goods or services from an oligopolistic business entity. The issuer sends an authorization response message indicating that the authorization request is approved or not approved. Economic incentives associated with the business transaction is provided to the oligopolistic business entity or the business consumer for conducting the business transaction, wherein the incentive would not be available in a transaction between a non-oligopolistic business entity and the business consumer. A method for encouraging use of electronic payment methods is also disclosed, wherein an oligopolistic entity and a group of business consumers in an industry vertical are identified based on sales information, and an economic incentive is provided to the oligopolistic business entity after it agrees to accept electronic payment transactions for conducting business with the group of business consumers.

摘要翻译： 公开了一种使用支付处理网络进行商业交易的方法。 该方法包括向发行者发送包括授权请求的授权请求消息，其中授权请求消息源于从垄断商业实体购买商品或服务的商业消费者。 颁发者发送一个授权响应消息，指示授权请求被批准或未被批准。 向寡头垄断商业实体或商业消费者提供与商业交易相关的经济激励，用于进行商业交易，其中在非寡头垄断商业实体与商业消费者之间的交易中不能获得激励。 还公开了一种鼓励使用电子支付方式的方法，其中基于销售信息确定了行业垂直的寡头垄断实体和一组商业消费者群体，并在垄断企业实体同意接受后提供经济激励 与业务消费者群体进行业务的电子支付交易。

公开(公告)号：US20100268588A1

公开(公告)日：2010-10-21

申请号：US12424241

申请日：2009-04-15

申请人： Raghav Lal ,  Alfred Chin

发明人： Raghav Lal ,  Alfred Chin

IPC分类号： G06Q20/00 ,  G06Q40/00 ,  G06Q30/00 ,  G06Q10/00

CPC分类号： G06Q30/0226 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q20/387 ,  G06Q20/40 ,  G06Q30/0219 ,  G06Q40/02 ,  G06Q40/12

摘要： For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For each reward account, a deficient reward account is found if the currency balance for the reward account is not sufficient for the payment of the account payable. For each deficiency reward account, if identified accounts receivables can be deposited such that the currency balance thereof will be sufficient to pay the account payable, then payments are made of: (i) the identified accounts receivables as corresponding deposits to the currency balance of the deficiency reward account such that the currency balance thereof is sufficient for the payment of the account payable; and (ii) the account payable by a withdrawal from the currency balance of the deficiency reward account.

摘要翻译： 对于几个应收账款，奖励账户被确定为通过应收账款支付来获得其忠诚奖励余额的最大存款的账户。 对于每个奖励账户，如果奖励账户的货币余额不足以支付应付帐款，则会发现缺少奖励账户。 对于每个缺口奖励账户，如果确定的应收账款可以存入，使其货币余额足以支付应付账款，则支付：（i）确定的应收账款作为相应存款的货币余额 欠款奖励账户，使其货币余额足以支付应付帐款; 及（ii）由不足额奖励账户的货币余额退还的应付账款。

公开(公告)号：US09760903B2

公开(公告)日：2017-09-12

申请号：US12899465

申请日：2010-10-06

申请人： Raghav Lal ,  Alfred Chin

发明人： Raghav Lal ,  Alfred Chin

IPC分类号： G06Q30/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/24 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/00 ,  G06Q20/22

CPC分类号： G06Q30/0226 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q20/387 ,  G06Q20/40 ,  G06Q30/0219 ,  G06Q40/02 ,  G06Q40/12

摘要： For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For each reward account, a deficient reward account is found if the currency balance for the reward account is not sufficient for the payment of the account payable. For each deficiency reward account, if identified accounts receivables can be deposited such that the currency balance thereof will be sufficient to pay the account payable, then payments are made of: (i) the identified accounts receivables as corresponding deposits to the currency balance of the deficiency reward account such that the currency balance thereof is sufficient for the payment of the account payable; and (ii) the account payable by a withdrawal from the currency balance of the deficiency reward account.

公开(公告)号：US20110022514A1

公开(公告)日：2011-01-27

申请号：US12899465

申请日：2010-10-06

申请人： Raghav Lal ,  Alfred Chin

发明人： Raghav Lal ,  Alfred Chin

IPC分类号： G06Q20/00

CPC分类号： G06Q30/0226 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q20/387 ,  G06Q20/40 ,  G06Q30/0219 ,  G06Q40/02 ,  G06Q40/12

摘要： For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For each reward account, a deficient reward account is found if the currency balance for the reward account is not sufficient for the payment of the account payable. For each deficiency reward account, if identified accounts receivables can be deposited such that the currency balance thereof will be sufficient to pay the account payable, then payments are made of: (i) the identified accounts receivables as corresponding deposits to the currency balance of the deficiency reward account such that the currency balance thereof is sufficient for the payment of the account payable; and (ii) the account payable by a withdrawal from the currency balance of the deficiency reward account.

摘要翻译： 对于几个应收账款，奖励账户被确定为通过应收账款支付来获得其忠诚奖励余额的最大存款的账户。 对于每个奖励账户，如果奖励账户的货币余额不足以支付应付帐款，则会发现缺少奖励账户。 对于每个缺口奖励账户，如果确定的应收账款可以存入，使其货币余额足以支付应付账款，则支付：（i）确定的应收账款作为相应存款的货币余额 欠款奖励账户，使其货币余额足以支付应付帐款; 及（ii）由不足额奖励账户的货币余额退还的应付账款。

公开(公告)号：US20090327107A1

公开(公告)日：2009-12-31

申请号：US12483106

申请日：2009-06-11

申请人： Raghav Lal ,  Mukund M. Sheorey ,  Irfan Y. Tareen

发明人： Raghav Lal ,  Mukund M. Sheorey ,  Irfan Y. Tareen

IPC分类号： G06Q20/00 ,  G06Q10/00 ,  G06Q40/00 ,  G06F15/16

CPC分类号： G06Q20/4016 ,  G06Q20/24 ,  G06Q40/00 ,  G06Q40/12

摘要： A method comprising receiving, by a server computer, an authorization request for a transaction conducted with a payment token from a merchant via an open payment processing network. The payment token associated with an account having a no preset spending limit. The method also determines, by the server computer, an exposure limit of the account in real-time based on information obtained by the open payment processing network. The method also determines, by the server computer, whether or not to authorize the transaction based on the determined exposure limit.

摘要翻译： 一种方法，包括由服务器计算机经由开放的支付处理网络从商家接收用付款令牌进行的交易的授权请求。 与没有预设支出限额的帐户相关联的付款令牌。 该方法还通过服务器计算机根据由开放支付处理网络获得的信息实时确定帐户的暴露限制。 该方法还由服务器计算机确定是否基于所确定的暴露限制来授权交易。

公开(公告)号：US08799149B2

公开(公告)日：2014-08-05

申请号：US12424241

申请日：2009-04-15

申请人： Raghav Lal ,  Alfred Chin

发明人： Raghav Lal ,  Alfred Chin

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0226 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q20/387 ,  G06Q20/40 ,  G06Q30/0219 ,  G06Q40/02 ,  G06Q40/12

摘要： For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For each reward account, a deficient reward account is found if the currency balance for the reward account is not sufficient for the payment of the account payable. For each deficiency reward account, if identified accounts receivables can be deposited such that the currency balance thereof will be sufficient to pay the account payable, then payments are made of: (i) the identified accounts receivables as corresponding deposits to the currency balance of the deficiency reward account such that the currency balance thereof is sufficient for the payment of the account payable; and (ii) the account payable by a withdrawal from the currency balance of the deficiency reward account.

摘要翻译： 对于几个应收账款，奖励账户被确定为通过应收账款支付来获得其忠诚奖励余额的最大存款的账户。 对于每个奖励账户，如果奖励账户的货币余额不足以支付应付帐款，则会发现缺少奖励账户。 对于每个缺口奖励账户，如果确定的应收账款可以存入，使其货币余额足以支付应付账款，则支付：（i）确定的应收账款作为相应存款的货币余额 欠款奖励账户，使其货币余额足以支付应付帐款; 及（ii）由不足额奖励账户的货币余额退还的应付账款。