公开(公告)号：US08973821B1

公开(公告)日：2015-03-10

申请号：US14314196

申请日：2014-06-25

申请人： Sean I. McGhie ,  Brian K. Buchheit

发明人： Sean I. McGhie ,  Brian K. Buchheit

IPC分类号： G06K5/00 ,  G06Q30/02

CPC分类号： G06Q30/0227 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/381 ,  G06Q30/0226 ,  G07F17/3244

摘要： In one embodiment, an account is established for non-negotiable credits provided by an entity to one or more users. Interactions that earn a quantity of non-negotiable credits are detected. The quantity of non-negotiable credits from the interactions is added to the account. The non-negotiable credits have redemption restrictions imposed by the entity. In absence of a conversion operation that converts the non-negotiable credits to entity independent funds, a commerce partner does not accept the non-negotiable credits for goods/services that it provides. A quantity of the non-negotiable credits is subtracted from the account. The subtracted quantity of non-negotiable credits corresponds to a quantity of entity independent funds resulting from the conversion operation that converts the non-negotiable credits to a quantity of the entity independent funds in accordance with agreement terms mutually established by the commerce partner and the entity. The commerce partner is compensated by the entity.

摘要翻译： 在一个实施例中，为实体向一个或多个用户提供的不可转让信用建立帐户。 检测到获得大量不可转让抵免额的互动。 来自互动的不可转让抵免额的数量将添加到该帐户中。 不可转让信用额度由实体强制实行。 如果没有将不可转让信用转换为实体独立基金的转换操作，则商业伙伴不接受其提供的商品/服务的不可转让信用。 从帐户中扣除一定数量的不可转让抵免额。 不可转让信用额度减去量相当于转换操作产生的实体独立资金数量，该转换操作根据商业伙伴和实体相互确定的协议条款将不可转让信用转换为实体独立基金的数量 。 商业伙伴由实体补偿。

公开(公告)号：US08668146B1

公开(公告)日：2014-03-11

申请号：US13681493

申请日：2012-11-20

申请人： Sean I. McGhie ,  Brian K. Buchheit

发明人： Sean I. McGhie ,  Brian K. Buchheit

IPC分类号： G06K5/00

CPC分类号： G06Q30/0227 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/381 ,  G06Q30/0228

摘要： An entity establishes a non-negotiable credit account for a member of the loyalty program. The member of the loyalty program is provided with a payment artifact. Non-negotiable credits are added to the account in response to the payment artifact being used for purchases of goods or services. Quantities of the non-negotiable credits are redeemable for member selected goods or services per terms-of-use of the loyalty program. A subset of the non-negotiable credits are convertible to entity independent funds of a different loyalty program of a commerce partner. The entity independent funds are redeemable for commerce partner goods or commerce partner services of the different loyalty program.

摘要翻译： 实体为忠诚计划的成员建立不可转让的信用账户。 忠诚计划的成员提供付款工件。 响应用于购买商品或服务的付款工件，将不可转让抵免额添加到该账户。 不可转让信用证的数量可根据忠诚度计划的使用条件兑换成员选定的商品或服务。 不可转让信贷的一部分可转换为商业伙伴的不同忠诚计划的实体独立基金。 实体独立基金可以兑换为不同忠诚度计划的商业伙伴商品或商业合作伙伴服务。

公开(公告)号：US08376224B2

公开(公告)日：2013-02-19

申请号：US13168814

申请日：2011-06-24

申请人： Sean I. McGhie ,  Brian K. Buchheit

发明人： Sean I. McGhie ,  Brian K. Buchheit

IPC分类号： G06K5/00

CPC分类号： G06Q20/02 ,  G06Q20/06 ,  G06Q20/28 ,  G06Q20/381 ,  G07F17/32 ,  G07F17/3244

摘要： Entertainment credits from a game of chance can be identified. The entertainment credits can be associated with an entity with which a user has previously interacted. The previous interactions can earning the entertainment credits, which are non-negotiable credits. Responsive to a user request, a conversion agency can convert a quantity of the entertainment credits to a quantity of negotiable funds, wherein the conversion agency is not directly associated with the entity. The user can be permitted to access the quantity of negotiable funds within a vendor kiosk physically proximate and distinctly independent of the entity, wherein the quantity of negotiable funds are able to be applied to user specified purchases within the kiosk, wherein the vendor does not honor the non-negotiable credits.

摘要翻译： 可以识别来自游戏机会的娱乐信用。 娱乐信用可以与用户先前已经与之交互的实体相关联。 以前的互动可以赚取娱乐信用，这是不可转让的信用。 响应于用户请求，转换机构可以将数量的娱乐信用转换为可转让资金的数量，其中转换代理机构不直接与该实体相关联。 可以允许用户访问物理上接近且明显独立于实体的供应商信息亭内的可转让资金的数量，其中可转让资金的数量能够应用于信息亭内的用户指定的购买，其中卖方不尊重 不可转让信用。

公开(公告)号：US08267315B1

公开(公告)日：2012-09-18

申请号：US13479417

申请日：2012-05-24

申请人： Sean I. McGhie ,  Brian K. Buchheit

发明人： Sean I. McGhie ,  Brian K. Buchheit

IPC分类号： G06K5/00

CPC分类号： G06Q30/0226 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/381 ,  G06Q30/0227 ,  G06Q30/0601 ,  G06Q99/00 ,  G07F17/32 ,  G07F17/3244 ,  G07F17/3255

摘要： In one embodiment, credits earned by an end-user from previous interactions between the end-user and an entity can be stored. The storing of credits can alter one or more records of a credit account. The credit account is owned or controlled by the entity. A quantity of the credits of the credit account is identified. This quantity is applied to a purchase in accordance with a credit to funds ratio. Applying the quantity of the credits reduces a number of credits in the credit account as indicated by the records. Funds are transferred to a funds account based on the quantity of stored credits applied to the purchase and the credit to funds ratio. The fund account is not owned or controlled by the entity.

摘要翻译： 在一个实施例中，最终用户从最终用户和实体之间的先前交互获得的积分可被存储。 信用卡的存储可以改变信用账户的一个或多个记录。 信用账户由实体拥有或控制。 识别信用账户的信用额。 该数量根据信贷资金比例应用于购买。 应用信用额减少信用账户中的信用额度，如记录所示。 资金将根据存入信用额度和信贷资金比例转入资金账户。 基金账户不属于实体所有或控制。

公开(公告)号：US10062062B1

公开(公告)日：2018-08-28

申请号：US15454040

申请日：2017-03-09

申请人： Sean I. McGhie ,  Brian K. Buchheit

发明人： Sean I. McGhie ,  Brian K. Buchheit

IPC分类号： G06K5/00 ,  G06Q20/10 ,  G06Q30/02

CPC分类号： G06Q20/1085 ,  G06Q20/18 ,  G06Q30/0226 ,  G07F19/20

摘要： An automated teller (ATM) machine providing unattended financial functions comprising financial account access to authorized ones of the users' financial accounts, withdraws from authorized ones of the users' financial accounts, deposits into authorized ones of the user's financial account. The ATM also provides unattended non-negotiable account functions including interactive account access to authorized ones of a set of non-negotiable fund accounts, conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user's financial accounts, and/or withdrawals of negotiable funds resulting from ATM machine conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency.

公开(公告)号：US09230264B1

公开(公告)日：2016-01-05

申请号：US14611764

申请日：2015-02-02

申请人： Sean I. McGhie ,  Brian K. Buchheit

发明人： Sean I. McGhie ,  Brian K. Buchheit

IPC分类号： G06K5/00 ,  G06Q30/02

CPC分类号： G06Q30/0227 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/381 ,  G06Q30/0226 ,  G07F17/3244

摘要： A computer converts a first quantity of loyalty program points of a loyalty program possessed by a member held in a first account to a second quantity of different loyalty program points possessed by the member held in a second account in accordance with a fixed ratio. The loyalty program points and the different loyalty program points are non-fungible, non-negotiable units of exchange. A mutual agreement exists between program operators to permit the conversion. Responsive to the converting: the first quantity of loyalty program points is subtracted from the first account; the second quantity of different loyalty program points is added to the second account; and the entity compensates the commerce partner in accordance with mutual agreement.

摘要翻译： 计算机将根据固定比例将由第一帐户中持有的成员所拥有的忠诚度计划的第一数量的忠诚度计划点转换成由第二帐户中保存的成员拥有的第二数量的不同忠诚度计划点。 忠诚计划点和不同的忠诚度计划点是不可互换的，不可转让的交易单位。 程序运营商之间存在允许转换的相互协议。 响应转换：从第一个帐户中扣除第一批忠诚计划积分; 将第二数量不同的忠诚度计划点添加到第二个账户; 实体按照相互协议补偿商业伙伴。

公开(公告)号：US08950669B1

公开(公告)日：2015-02-10

申请号：US14314297

申请日：2014-06-25

申请人： Sean I. McGhie ,  Brian K. Buchheit

发明人： Sean I. McGhie ,  Brian K. Buchheit

IPC分类号： G06K5/00 ,  G06Q30/02

CPC分类号： G06Q30/0227 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/381 ,  G06Q30/0226 ,  G07F17/3244

摘要： In one embodiment, an account is established for non-negotiable credits provided by an entity to one or more users. Interactions that earn a quantity of non-negotiable credits are detected. The quantity of non-negotiable credits from the interactions is added to the account. The non-negotiable credits have redemption restrictions imposed by the entity. In absence of a conversion operation that converts the non-negotiable credits to entity independent funds, a commerce partner does not accept the non-negotiable credits for goods/services that it provides. A quantity of the non-negotiable credits is subtracted from the account. The subtracted quantity of non-negotiable credits corresponds to a quantity of entity independent funds resulting from the conversion operation that converts the non-negotiable credits to a quantity of the entity independent funds in accordance with agreement terms mutually established by the commerce partner and the entity. The commerce partner is compensated by the entity.

摘要翻译： 在一个实施例中，为实体向一个或多个用户提供的不可转让信用建立帐户。 检测到获得大量不可转让抵免额的互动。 来自互动的不可转让抵免额的数量将添加到该帐户中。 不可转让信用额度由实体强制实行。 如果没有将不可转让信用转换为实体独立基金的转换操作，则商业伙伴不接受其提供的商品/服务的不可转让信用。 从帐户中扣除一定数量的不可转让抵免额。 不可转让信用额度减去量相当于转换操作产生的实体独立资金数量，该转换操作根据商业伙伴和实体相互确定的协议条款将不可转让信用转换为实体独立基金的数量 。 商业伙伴由实体补偿。

公开(公告)号：US08313023B1

公开(公告)日：2012-11-20

申请号：US13531904

申请日：2012-06-25

申请人： Sean I. McGhie ,  Brian K. Buchheit

发明人： Sean I. McGhie ,  Brian K. Buchheit

IPC分类号： G06K5/00

CPC分类号： G06Q30/0226 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/381 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0227 ,  G06Q30/0232 ,  G06Q30/0233 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q99/00 ,  G07F17/32 ,  G07F17/3244 ,  G07F17/3255 ,  G07F17/3262

摘要： In one embodiment, a rewards program for credit cards (e.g., payment artifacts) can be established. Non-negotiable credits are accrued in response to one of the payment artifacts being used for purchases of goods or services with venders. Restrictions on use prevent the non-negotiable credits from being directly applied for a purchase of at least one goods or services of a commerce partner, which is an independent entity from the entity. A quantity of the non-negotiable credits are subtracted in response to the purchase of the goods or services that cost a quantity of entity independent funds, which result from a conversion of the subtracted quantity of non-negotiable credits into the entity independent funds in accordance with a credit to fund conversion ratio. The entity provides compensation for the subtracted quantity of the non-negotiable credits. The commerce partner receives at least a portion of the compensation.

摘要翻译： 在一个实施例中，可以建立用于信用卡的奖励计划（例如，付款工件）。 不可转让抵免额是根据用于与卖家购买商品或服务的付款工具之一产生的。 使用限制使得不可转让信用被直接应用于购买商业伙伴的至少一种商品或服务，商业伙伴是来自该实体的独立实体。 根据购买成本为一定数量的实体独立资金的货物或服务，扣除不可转让抵免额的数量，这是由于将相应数量的不可转让信贷转换为实体独立资金 具有信贷资金转换比率。 该实体为不可转让信用额度的减少量提供赔偿。 商业伙伴至少收到一部分赔偿金。

公开(公告)号：US08297502B1

公开(公告)日：2012-10-30

申请号：US13532342

申请日：2012-06-25

申请人： Sean I. McGhie ,  Brian K. Buchheit

发明人： Sean I. McGhie ,  Brian K. Buchheit

IPC分类号： G06K5/00

CPC分类号： G06Q30/0226 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/381 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0227 ,  G06Q30/0232 ,  G06Q30/0233 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q99/00 ,  G07F17/32 ,  G07F17/3244 ,  G07F17/3255 ,  G07F17/3262

摘要： In one embodiment, a graphical user interface includes a conversion option to convert at least a subset of non-negotiable credits earned from one into entity independent funds in accordance with a conversion ratio. The entity independent funds are accepted by a commerce partner as at least partial payment for goods or services provided by the commerce partner. In absence of converting the non-negotiable credits into entity independent funds, the commerce partner does not accept the non-negotiable credits as payment for goods or services. Responsive to a received selection of the conversion option, the computer presents within the graphical user interface a quantity of available entity independent funds for use as payment for the goods or services provided by the commerce partner. The quantity of available entity independent funds results from converting the subset of non-negotiable credits into the quantity of available entity independent funds in accordance with the conversion ratio.

摘要翻译： 在一个实施例中，图形用户界面包括转换选项，用于根据转换比将至少一个从一个单位获得的非可转让积分转化为独立资金。 实体独立资金被商业伙伴接受为商业伙伴提供的商品或服务的至少部分支付。 在不将不可转让信用转为实体独立基金的情况下，商业伙伴不接受不可转让信用作为商品或服务的付款。 响应于接收到的转换选项的选择，计算机在图形用户界面内呈现可用的实体独立资金的数量，用作由商业伙伴提供的商品或服务的支付。 可用实体独立基金的数量是根据转换比率将不可转让信贷的子集转换为可用实体独立基金的数量。

公开(公告)号：US08186583B1

公开(公告)日：2012-05-29

申请号：US13359120

申请日：2012-01-26

申请人： Sean I. McGhie ,  Brian K. Buchheit

发明人： Sean I. McGhie ,  Brian K. Buchheit

IPC分类号： G06K5/00

CPC分类号： G06Q30/0226 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/381 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0227 ,  G06Q30/0232 ,  G06Q30/0233 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q99/00 ,  G07F17/32 ,  G07F17/3244 ,  G07F17/3255 ,  G07F17/3262

摘要： A conversion of a quantity of non-negotiable credits to a quantity of negotiable funds can be initiated for a storefront purchase. The non-negotiable credits can be earned from previous interactions with an entity. The converting can be performed by a different legal entity than the entity. The storefront purchase can be completed, during which at least a portion of the non-negotiable credits are expended. The vender providing a good or service for the storefront purchase may not directly honor the non-negotiable credits in absence of the converting. Responsive to the conversion and the completing of the storefront purchase, the good or service can be provided to a purchaser and the quantity of negotiable funds for the storefront purchase can be provided to the vender.

摘要翻译： 可以启动一些不可转让信用额转换为可转让资金的数量，以进行店面购买。 不可转让抵免额可以从以前与实体的互动中获得。 转换可以由与实体不同的法律实体执行。 可以完成店面购买，在此期间，至少部分不可转让信用额度将被消耗。 供应商提供的商店或服务的店面购买可能不会直接兑现不可转让的信用，没有转换。 响应于店面购买的转换和完成，可以向购买者提供商品或服务，并且可以向供应商提供用于店面购买的可转让资金的数量。