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：US09704174B1

公开(公告)日：2017-07-11

申请号：US15013129

申请日：2016-02-02

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 ,  G06Q50/00

CPC分类号： G06Q30/0227 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/381 ,  G06Q20/387 ,  G06Q20/405 ,  G06Q30/0226 ,  G06Q50/01 ,  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. A transformation results in the different loyalty program points that are subject to terms, conditions, or restrictions of the different loyalty program and not of the loyalty program.

公开(公告)号：US08807427B1

公开(公告)日：2014-08-19

申请号：US14024921

申请日：2013-09-12

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

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

IPC分类号： G06K5/00 ,  G07F17/32

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

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. In absence of a conversion operation that converts the non-negotiable credits to in-game funds, a commerce partner does not accept the non-negotiable credits for in-game purchases for a computer game. The computer game is owned or controlled by the commerce partner. 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 in-game funds in accordance with agreement terms established by the commerce partner and the entity. The commerce partner is compensated.

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。 如果没有将不可转让信用转换为游戏内资金的转换操作，则商业伙伴不接受用于计算机游戏的游戏内购买的不可转让信用。 电脑游戏由商业伙伴拥有或控制。 从帐户中扣除一定数量的不可转让抵免额。 不可转让信用减去的数量对应于转换操作产生的实体独立资金的数量，该转换操作根据商业伙伴和实体确定的协议条款将不可转让信用转换为游戏中资金的数量 。 商业伙伴得到补偿。

公开(公告)号：US08684265B1

公开(公告)日：2014-04-01

申请号：US13681479

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： G06Q30/0228 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/381

摘要： A set of Web pages are provided for a Web site for a different loyalty program of a commerce partner. Non-negotiable credits are identified that are earned by a member as part of a loyalty program of an entity. During a Web session involving the member and the Web site, a request is received to transfer or convert a quantity of the non-negotiable credits to entity independent funds. The entity independent funds are different loyalty points of the different loyalty program. During the Web session at least a subset of the non-negotiable credits are transferred or converted into entity independent funds that the commerce partner accepts for commerce partner goods or services. The commerce partner goods or services are available for member purchase via the Web site. Non-negotiable credits are not accepted for the commerce partner goods or services.

摘要翻译： 为一个商业伙伴的不同忠诚度计划的网站提供了一组网页。 确定由会员获得的不可转让抵免额作为实体忠诚度计划的一部分。 在涉及会员和网站的Web会话期间，收到一个请求，将一定数量的不可转让信用转移或转换为独立于实体的资金。 实体独立资金是不同忠诚度计划的不同忠诚度点。 在Web会话期间，至少一部分不可转让信用被转移或转换为商业伙伴接受商业伙伴商品或服务的实体独立资金。 商业伙伴的商品或服务可通过网站进行会员购买。 商业伙伴的商品或服务不接受不可转让的信用额度。

公开(公告)号：US08342399B1

公开(公告)日：2013-01-01

申请号：US13542451

申请日：2012-07-05

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 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/381 ,  G06Q30/0228

摘要： In one embodiment, non-negotiable credits from a user interaction with a credit providing entity can be identified. The credits can be associated with an entity with which a user has previously interacted. The previous interactions can earn the credits, which are non-negotiable credits. The credit providing entity can present the user with indicia indicating credit redemption opportunities. Responsive to a user request, a conversion agency can convert a quantity of the non-negotiable 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, wherein the quantity of negotiable funds are able to be applied to user specified purchases, wherein at least a portion of the user specified purchases involve at least one vender that does not honor the non-negotiable credits.

摘要翻译： 在一个实施例中，可以识别来自与信用提供实体的用户交互的不可转让信用。 信用可以与用户先前已经与之交互的实体相关联。 以前的互动可以获得信用，这是不可转让的信用。 信用提供实体可以向用户呈现指示信用兑换机会的标记。 响应于用户请求，转换机构可以将一定数量的不可转让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。 允许用户访问可转让资金的数量，其中可转让资金的数量能够应用于用户指定的购买，其中至少一部分用户指定的购买涉及至少一个不尊重非流通资金的供应商， 可转让学分

公开(公告)号：US09251528B1

公开(公告)日：2016-02-02

申请号：US14612863

申请日：2015-02-03

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：US08833650B1

公开(公告)日：2014-09-16

申请号：US14034492

申请日：2013-09-23

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 online shopping site can permit users to purchase items placed in a shopping cart. Purchasing options include paying with negotiable funds and paying with loyalty points of an entity. The entity can be a partner having an agreement with the provider of the online shopping site (referred to as a commerce partner). Per the agreement, the entity compensates the commerce partner for redeemed loyalty points. The compensation can be sufficient to pay the commerce partner for the items that were placed in the shopping cart plus the cost of providing the Web site. The items available for the online shopping site may be items that are not otherwise available to members of the loyalty program, who are able to redeem loyalty points directly with the entity for a restricted set of goods or services.

摘要翻译： 在线购物网站可以允许用户购买放置在购物车中的商品。 购买选择包括用可转让资金支付并支付实体的忠诚度。 该实体可以是与在线购物网站（称为商业伙伴）的提供商达成协议的合作伙伴。 根据协议，该实体会为商业伙伴赔偿已兑现的忠诚积分。 补偿金额足以支付购物车内物品的商业伙伴加上提供网站的费用。 可用于在线购物网站的项目可以是忠诚度计划成员不可用的项目，他们能够直接用实体为一组有限的商品或服务兑换忠诚度积分。