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公开(公告)号：US20140214517A1
公开(公告)日：2014-07-31
申请号：US14243071
申请日：2014-04-02
Inventor： Aly Karim
CPC classification number: G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q30/0226 , G06Q40/02
Abstract: A computer-implemented system and method for processing an electronic payment that is initiated in response to a primary financial transaction between a first entity and a second entity. A computer is configured to receive electronic digital information relating to a primary financial transaction between the first entity and the second entity. A non-transitory computer readable electronic storage medium in operable communication with said computer is configured to store at least one customizable business rule associated with the electronic digital information, wherein the at least one customizable business rule includes a merchant loyalty reward. A transaction processor is in operable communication with at least one of the computer and electronic storage medium that is configured to determine all products purchased by the first entity from the electronic digital information; and determine, based on the electronic digital information, whether the merchant loyalty reward business rule applies.
Abstract translation: 一种用于处理响应于第一实体和第二实体之间的主要金融交易而启动的电子支付的计算机实现的系统和方法。 计算机被配置为接收与第一实体和第二实体之间的主要金融交易相关的电子数字信息。 与所述计算机可操作地通信的非暂时性计算机可读电子存储介质被配置为存储与所述电子数字信息相关联的至少一个可定制业务规则，其中所述至少一个可定制业务规则包括商家忠诚度奖励。 交易处理器与所述计算机和电子存储介质中的至少一个可操作地通信，所述计算机和电子存储介质被配置为从所述电子数字信息确定由所述第一实体购买的所有产品; 并且基于电子数字信息来确定商家忠诚度奖励业务规则是否适用。
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2.发明公开公开(公告)号：US20240104528A1
公开(公告)日：2024-03-28
申请号：US18529259
申请日：2023-12-05
Applicant: QUERCUS (BVI) LIMITED
Inventor： Aly KARIM
IPC: G06Q20/10 , G06Q20/40 , G06Q30/0226 , G06Q40/02
CPC classification number: G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q30/0226 , G06Q40/02
Abstract: An apparatus including a central system, a transaction processor, a database storing a set of business rules, and a point-of-sale computer system. The central system in operable communication with the transaction processor, the database, and the point-of-sale computer system. The central system is configured to receive a primary transaction data in response to a primary transaction being initiated between a first entity and a second entity. The second entity is associated with the point-of-sale computer system. The central system is configured to obtain from the primary transaction data at least one of: (i) a primary transaction value, (ii) one or more products purchased in the primary transaction, (iii) a location of purchase, and (iv) an account identifier and determine, based on the primary transaction data, a supplemental transaction value associated with a supplemental transaction based on a first business rule of the set of business rules stored in the database.
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3.发明公开公开(公告)号：US20230237449A1
公开(公告)日：2023-07-27
申请号：US18128897
申请日：2023-03-30
Applicant: QUERCUS (BVI) LIMITED
Inventor： Aly KARIM
IPC: G06Q20/10 , G06Q20/40 , G06Q40/02 , G06Q30/0226
CPC classification number: G06Q20/10 , G06Q20/40 , G06Q40/02 , G06Q20/1085 , G06Q30/0226
Abstract: An apparatus including a central system, a transaction processor, a database storing a set of business rules, and a point-of-sale computer system. The central system in operable communication with the transaction processor, the database, and the point-of-sale computer system. The central system is configured to receive a primary transaction data in response to a primary transaction being initiated between a first entity and a second entity. The second entity is associated with the point-of-sale computer system. The central system is configured to obtain from the primary transaction data at least one of: (i) a primary transaction value, (ii) one or more products purchased in the primary transaction, (iii) a location of purchase, and (iv) an account identifier and determine, based on the primary transaction data, a supplemental transaction value associated with a supplemental transaction based on a first business rule of the set of business rules stored in the database.
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公开(公告)号：US20150254615A1
公开(公告)日：2015-09-10
申请号：US14721414
申请日：2015-05-26
Applicant: Quercus (BVI) Limited
Inventor： Aly Karim
CPC classification number: G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q30/0226 , G06Q40/02
Abstract: A computer-implemented system and method for processing an electronic payment that is initiated in response to a primary financial transaction between a first entity and a second entity. A computer is configured to receive electronic digital information relating to a primary financial transaction between the first entity and the second entity. A non-transitory computer readable electronic storage medium in operable communication with said computer is configured to store at least one customizable business rule associated with the electronic digital information, wherein the at least one customizable business rule includes a merchant loyalty reward. A transaction processor is in operable communication with at least one of the computer and electronic storage medium that is configured to determine all products purchased by the first entity from the electronic digital information; and determine, based on the electronic digital information, whether the merchant loyalty reward business rule applies.
Abstract translation: 一种用于处理响应于第一实体和第二实体之间的主要金融交易而启动的电子支付的计算机实现的系统和方法。 计算机被配置为接收与第一实体和第二实体之间的主要金融交易相关的电子数字信息。 与所述计算机可操作地通信的非暂时性计算机可读电子存储介质被配置为存储与所述电子数字信息相关联的至少一个可定制业务规则，其中所述至少一个可定制业务规则包括商家忠诚度奖励。 交易处理器与所述计算机和电子存储介质中的至少一个可操作地通信，所述计算机和电子存储介质被配置为从所述电子数字信息确定由所述第一实体购买的所有产品; 并且基于电子数字信息来确定商家忠诚度奖励业务规则是否适用。
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5.发明公开公开(公告)号：US20240104529A1
公开(公告)日：2024-03-28
申请号：US18531414
申请日：2023-12-06
Applicant: QUERCUS (BVI) LIMITED
Inventor： Aly KARIM
IPC: G06Q20/10 , G06Q20/40 , G06Q30/0226 , G06Q40/02
CPC classification number: G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q30/0226 , G06Q40/02
Abstract: An apparatus including a central system, a transaction processor, a database storing a set of business rules, and a point-of-sale computer system. The central system in operable communication with the transaction processor, the database, and the point-of-sale computer system. The central system is configured to receive a primary transaction data in response to a primary transaction being initiated between a first entity and a second entity. The second entity is associated with the point-of-sale computer system. The central system is configured to obtain from the primary transaction data at least one of: (i) a primary transaction value, (ii) one or more products purchased in the primary transaction, (iii) a location of purchase, and (iv) an account identifier and determine, based on the primary transaction data, a supplemental transaction value associated with a supplemental transaction based on a first business rule of the set of business rules stored in the database.
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Patent Agency Ranking
公开(公告)号：US11068865B2
公开(公告)日：2021-07-20
申请号：US14721414
申请日：2015-05-26
Applicant: Quercus (BVI) Limited
Inventor： Aly Karim
Abstract: A computer-implemented system and method for processing an electronic payment that is initiated in response to a primary financial transaction between a first entity and a second entity. A computer is configured to receive electronic digital information relating to a primary financial transaction between the first entity and the second entity. A non-transitory computer readable electronic storage medium in operable communication with said computer is configured to store at least one customizable business rule associated with the electronic digital information, wherein the at least one customizable business rule includes a merchant loyalty reward. A transaction processor is in operable communication with at least one of the computer and electronic storage medium that is configured to determine all products purchased by the first entity from the electronic digital information; and determine, based on the electronic digital information, whether the merchant loyalty reward business rule applies.
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7.发明公开公开(公告)号：US20240112162A1
公开(公告)日：2024-04-04
申请号：US18528463
申请日：2023-12-04
Applicant: QUERCUS (BVI) LIMITED
Inventor： Aly KARIM
IPC: G06Q20/10 , G06Q20/40 , G06Q30/0226 , G06Q40/02
CPC classification number: G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q30/0226 , G06Q40/02
Abstract: An apparatus including a central system, a transaction processor, a database storing a set of business rules, and a point-of-sale computer system. The central system in operable communication with the transaction processor, the database, and the point-of-sale computer system. The central system is configured to receive a primary transaction data in response to a primary transaction being initiated between a first entity and a second entity. The second entity is associated with the point-of-sale computer system. The central system is configured to obtain from the primary transaction data at least one of: (i) a primary transaction value, (ii) one or more products purchased in the primary transaction, (iii) a location of purchase, and (iv) an account identifier and determine, based on the primary transaction data, a supplemental transaction value associated with a supplemental transaction based on a first business rule of the set of business rules stored in the database.
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公开(公告)号：US11810083B2
公开(公告)日：2023-11-07
申请号：US18128897
申请日：2023-03-30
Applicant: QUERCUS (BVI) LIMITED
Inventor： Aly Karim
CPC classification number: G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q30/0226 , G06Q40/02
Abstract: An apparatus including a central system, a transaction processor, a database storing a set of business rules, and a point-of-sale computer system. The central system in operable communication with the transaction processor, the database, and the point-of-sale computer system. The central system is configured to receive a primary transaction data in response to a primary transaction being initiated between a first entity and a second entity. The second entity is associated with the point-of-sale computer system. The central system is configured to obtain from the primary transaction data at least one of: (i) a primary transaction value, (ii) one or more products purchased in the primary transaction, (iii) a location of purchase, and (iv) an account identifier and determine, based on the primary transaction data, a supplemental transaction value associated with a supplemental transaction based on a first business rule of the set of business rules stored in the database.
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9.发明公开公开(公告)号：US20230267428A1
公开(公告)日：2023-08-24
申请号：US18128856
申请日：2023-03-30
Applicant: QUERCUS (BVI) LIMITED
Inventor： Aly KARIM
IPC: G06Q20/10 , G06Q20/40 , G06Q40/02 , G06Q30/0226
CPC classification number: G06Q20/10 , G06Q20/40 , G06Q20/1085 , G06Q30/0226 , G06Q40/02
Abstract: An apparatus including a central system, a transaction processor, a database storing a set of business rules, and a point-of-sale computer system. The central system in operable communication with the transaction processor, the database, and the point-of-sale computer system. The central system is configured to receive a primary transaction data in response to a primary transaction being initiated between a first entity and a second entity. The second entity is associated with the point-of-sale computer system. The central system is configured to obtain from the primary transaction data at least one of: (i) a primary transaction value, (ii) one or more products purchased in the primary transaction, (iii) a location of purchase, and (iv) an account identifier and determine, based on the primary transaction data, a supplemental transaction value associated with a supplemental transaction based on a first business rule of the set of business rules stored in the database.
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10.发明公开公开(公告)号：US20240119431A1
公开(公告)日：2024-04-11
申请号：US18544188
申请日：2023-12-18
Applicant: QUERCUS (BVI) LIMITED
Inventor： Aly KARIM
IPC: G06Q20/10 , G06Q20/40 , G06Q30/0226 , G06Q40/02
CPC classification number: G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q30/0226 , G06Q40/02
Abstract: An apparatus including a central system, a transaction processor, a database storing a set of business rules, and a point-of-sale computer system. The central system in operable communication with the transaction processor, the database, and the point-of-sale computer system. The central system is configured to receive a primary transaction data in response to a primary transaction being initiated between a first entity and a second entity. The second entity is associated with the point-of-sale computer system. The central system is configured to obtain from the primary transaction data at least one of: (i) a primary transaction value, (ii) one or more products purchased in the primary transaction, (iii) a location of purchase, and (iv) an account identifier and determine, based on the primary transaction data, a supplemental transaction value associated with a supplemental transaction based on a first business rule of the set of business rules stored in the database.
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