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公开(公告)号：US20120191525A1
公开(公告)日：2012-07-26
申请号：US13356506
申请日：2012-01-23
申请人： Shantnu Singh , Michael Dreyer , Peter Ciurea , James Alan VonDerheide , Edward W. Fordyce, III
发明人： Shantnu Singh , Michael Dreyer , Peter Ciurea , James Alan VonDerheide , Edward W. Fordyce, III
IPC分类号： G06Q30/02
CPC分类号： G06Q20/405 , G06Q30/02 , G06Q30/0226 , G06Q30/0233
摘要： A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions.
摘要翻译： 用于金融交易的通信系统，例如通过信用账户，借记帐户，预付账户，银行账户，储值账户等进行的支付交易被增强和/或用于支持奖励交易。 因此，奖励通信可以以与信用/借记交易相似和/或一起的方式处理为通信系统上的交易。
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公开(公告)号：US20130066771A1
公开(公告)日：2013-03-14
申请号：US13553131
申请日：2012-07-19
IPC分类号： G06Q20/22
CPC分类号： G06Q30/0201 , G06Q30/0207 , G06Q30/0241 , G06Q30/06 , G06Q40/02
摘要： A computing apparatus includes: a transaction handler configured to process payment transactions; a data warehouse coupled with the transaction handler to store transaction data recording the payment transactions processed by the transaction handler; and a portal coupled with the data warehouse to store non-transaction data associated with the transaction data. The portal is further configured to receive input from account holders to specify personalization data and to store the personalization data in the data warehouse to tag the non-transaction data. The personalization data controls the access to the non-transaction data tagged with the personalization data.
摘要翻译： 计算装置包括：交易处理器，被配置为处理支付交易; 数据仓库与交易处理程序相结合，用于存储记录由交易处理程序处理的支付交易的交易数据; 以及与数据仓库相结合的门户来存储与交易数据相关联的非交易数据。 门户进一步配置为从帐户持有者接收输入以指定个性化数据并将个性化数据存储在数据仓库中以标记非交易数据。 个性化数据控制对个性化数据标记的非交易数据的访问。
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公开(公告)号：US20120185315A1
公开(公告)日：2012-07-19
申请号：US13427657
申请日：2012-03-22
IPC分类号： G06Q30/02
CPC分类号： G01C21/20 , G01C21/362 , G06Q10/02 , G06Q30/0222 , G06Q30/0226 , G06Q30/0238 , G06Q30/06
摘要： Successive offer communications are sent to an offer recipient. A first offer communication includes an offer of a merchant and the second offer communication includes an announcement about the offer. The first and second offer communications are each formatted to be rendered by respective communication device, such as a mobile phone of the offer recipient or a Point of Interaction (POI) terminal. The content of the offer communications may be tailored to the offer recipient based on the offer recipient's past transactions within a transaction processing system or a real time geographical location of the offer recipient.
摘要翻译： 连续的报价通信将发送给收件人。 第一报价通信包括商家的报价，第二报价通信包括关于报价的公告。 第一和第二报价通信各自被格式化以由相应的通信设备呈现，诸如提供接收者的移动电话或交互点（POI）终端。 提供通信的内容可以基于提供接收者在交易处理系统内的提供接收者的实时地理位置中的过去交易来为招标收件者量身定制。
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公开(公告)号：US20110087530A1
公开(公告)日：2011-04-14
申请号：US12896632
申请日：2010-10-01
申请人： Edward W. Fordyce, III , Leigh Amaro , Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide
发明人： Edward W. Fordyce, III , Leigh Amaro , Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide
CPC分类号： G06Q20/40 , G06Q10/00 , G06Q30/00 , G06Q30/02 , G06Q30/0215 , G06Q30/0226
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a portal to receive from users enrollment input identifying account identifiers of the users and respective loyalty programs; and a data warehouse to store data associating the account identifiers with the respective loyalty programs. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the computing apparatus is to use the data warehouse to determine whether the first account identifier is enrolled with a loyalty program; and if the first account identifier is enrolled with a first loyalty program, the computing apparatus is to use the transaction handler to request purchase details from the merchant via a response to the authorization request, and determine benefits to be awarded to the user of the first account identifier.
摘要翻译： 一方面，一种计算装置包括：处理事务的事务处理程序; 门户，用于从用户接收输入识别用户的帐户标识符和相应的忠诚度计划; 以及用于存储将帐户标识符与相应的忠诚度程序相关联的数据的数据仓库。 响应于在用于识别第一帐户标识符的支付交易的交易处理程序中接收到的授权请求，计算装置是使用数据仓库来确定第一帐户标识符是否与忠诚度程序一起登记; 并且如果第一帐户标识符被登记有第一忠诚度程序，则所述计算装置将使用所述交易处理器通过对所述授权请求的响应来从所述商家请求购买细节，并且确定要授予所述第一帐户标识符的所述用户的利益 帐户标识符。
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公开(公告)号：US09031859B2
公开(公告)日：2015-05-12
申请号：US12784324
申请日：2010-05-20
申请人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
发明人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
CPC分类号： G06Q20/20 , G06Q20/04 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0225 , G06Q30/0234 , G06Q30/0238
摘要： A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.
摘要翻译： 计算机接收信息，该信息用于授权商家向在帐户持有人的消费者帐户进行的交易中的帐户持有者销售产品的交易。 当计算机确认交易被授权并且交易发生在与产品相关联的折扣的预定时间段内以及相应的赞助商在财务上负责回扣时，计算机将该回扣借记到 赞助商的帐户，以及：（i）在销售点作为商户的折扣给予账户持有人; 或（ii）记入发行人向账户持有人发行的账户。
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公开(公告)号：US08744906B2
公开(公告)日：2014-06-03
申请号：US13221745
申请日：2011-08-30
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , James Alan VonDerheide , Diane C. Salmon
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , James Alan VonDerheide , Diane C. Salmon
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0255 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service.
摘要翻译： 在一个方面，一种计算设备被配置为接收对简档的请求以自定义用于呈现给在该请求中标识的用户的信息，并且响应于该标识该用户的请求，提供基于该事件数据生成的简档 用户。 该简档利用代表多个区域中的汇总支出的多个值汇总用户的交易数据。 该信息包括基于简档选择，优先，调整或生成的广告。 该广告至少包括优惠，如折扣，奖励，奖励，优惠券，礼品，现金回赠，优惠，产品或服务。
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公开(公告)号：US20110087546A1
公开(公告)日：2011-04-14
申请号：US12876868
申请日：2010-09-07
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Leigh Amaro , Nurtekin Savas , Claudia Richter , Ryan Bradford Jolley , Ryan Hagey , James Alan VonDerheide , Andrew Clyne
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Leigh Amaro , Nurtekin Savas , Claudia Richter , Ryan Bradford Jolley , Ryan Hagey , James Alan VonDerheide , Andrew Clyne
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0255
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording a plurality of transactions processed at the transaction handler for a user; an anticipation engine coupled to the data warehouse to predict a future event relating to the user based on the transaction data stored in the data warehouse; a profile generator to generate a spending profile of the user based at least in part on the future event predicted for the user; and a portal coupled to the profile generator to provide the spending profile in response to a query.
摘要翻译： 一方面，一种计算装置包括：处理事务的事务处理程序; 数据仓库，用于存储记录在用户的交易处理程序处理的多个交易的交易数据; 预期引擎，耦合到数据仓库，以基于存储在数据仓库中的交易数据预测与用户有关的未来事件; 简档生成器，用于至少部分地基于为用户预测的未来事件来生成用户的支出简档; 以及耦合到简档生成器的门户以响应于查询来提供支出简档。
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8.发明申请Systems and Methods for Closing the Loop between Online Activities and Offline Purchases 审中-公开关闭在线活动和离线购买之间的循环的系统和方法公开(公告)号：US20110035278A1
公开(公告)日：2011-02-10
申请号：US12849789
申请日：2010-08-03
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0235 , G06Q30/0238 , G06Q30/0251 , G06Q30/0256 , G06Q30/0267 , G06Q30/0268 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.
摘要翻译： 在一个方面，一种计算设备被配置为便于识别由在基本上分离的上下文或环境中发生的活动而导致的事务，诸如由在线广告产生的“实体”零售商店中的离线交易 在线搜索 计算装置可以将关于活动的信息和关于事务的信息相关联以使在线活动和离线交易相关联。 匹配过程可能涉及使用折扣优惠，奖励，回扣，奖励，奖励积分，现金回赠，礼物等。该优惠将在与在线活动相关联的广告中提供并被赎回 在通过交易处理程序处理的支付交易中，将广告和交易相关联。
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公开(公告)号：US20110022424A1
公开(公告)日：2011-01-27
申请号：US12510167
申请日：2009-07-27
CPC分类号： G01C21/20 , G01C21/362 , G06Q10/02 , G06Q30/0222 , G06Q30/0226 , G06Q30/0238 , G06Q30/06
摘要： Successive offer communications are sent to an offer recipient. A first offer communication includes an offer of a merchant and the second offer communication includes an announcement about the offer. The first and second offer communications are each formatted to be rendered by respective communication device, such as a mobile phone of the offer recipient or a Point of Interaction (POI) terminal. The content of the offer communications may be tailored to the offer recipient based on the offer recipient's past transactions within a transaction processing system or a real time geographical location of the offer recipient.
摘要翻译： 连续的报价通信将发送给收件人。 第一报价通信包括商家的报价，第二报价通信包括关于报价的公告。 第一和第二报价通信各自被格式化以由相应的通信设备呈现，诸如提供接收者的移动电话或交互点（POI）终端。 提供通信的内容可以基于提供接收者在交易处理系统内的提供接收者的实时地理位置中的过去交易来为招标收件者量身定制。
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公开(公告)号：US09909879B2
公开(公告)日：2018-03-06
申请号：US13427657
申请日：2012-03-22
CPC分类号： G01C21/20 , G01C21/362 , G06Q10/02 , G06Q30/0222 , G06Q30/0226 , G06Q30/0238 , G06Q30/06
摘要： Successive offer communications are sent to an offer recipient. A first offer communication includes an offer of a merchant and the second offer communication includes an announcement about the offer. The first and second offer communications are each formatted to be rendered by respective communication device, such as a mobile phone of the offer recipient or a Point of Interaction (POI) terminal. The content of the offer communications may be tailored to the offer recipient based on the offer recipient's past transactions within a transaction processing system or a real time geographical location of the offer recipient.
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