公开(公告)号：US08473380B2

公开(公告)日：2013-06-25

申请号：US10710779

申请日：2004-08-02

申请人： Tracey R. Thomas ,  Raymond R. Ferrell

发明人： Tracey R. Thomas ,  Raymond R. Ferrell

IPC分类号： G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q20/10 ,  G06Q30/0216 ,  G06Q40/00

摘要： The invention encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general, the invention obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals, then provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimum amounts due, due dates and available income. The invention also determines a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills. The invention also monitors a consumer's purchasing activity based upon an established budget.

摘要翻译： 本发明鼓励用户不仅自己首先付款，而且要尽可能多地支付自己，即使不能够完全偿还未偿还的债务。 一般来说，本发明获得与用户收入，收入来源，用户债务（例如账单）和用户目标相关的信息，然后提供与支付某些账单的优先级相关的建议，以及基于 例如，储蓄目标，最低到期金额，到期日和可获得的收入。 本发明还确定支付层次结构，其包括在支付所有或部分某些账单之前将资金转移到用户的储蓄账户。 本发明还基于既定的预算来监视消费者的购买活动。

公开(公告)号：US07398226B2

公开(公告)日：2008-07-08

申请号：US10010947

申请日：2001-11-06

申请人： Mark Haines ,  Raymond R. Ferrell ,  Fauziah Ariff ,  Theodore S. Voltmer

发明人： Mark Haines ,  Raymond R. Ferrell ,  Fauziah Ariff ,  Theodore S. Voltmer

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  B01J23/6562 ,  B01J23/8913 ,  B01J37/0205 ,  B01J37/0226 ,  G06Q30/0207 ,  G06Q30/0241 ,  G06Q30/0601 ,  G06Q40/12

摘要： The present invention provides a system for implementing a purchaser incentive program on a network-wide level. The system associates SKU and UPC data on a network level to provide consumers with a purchasing environment that is both convenient and cost-efficient. The association of SKU and UPC data at a network level also provides consumers with the ability to analyze their own purchase data for a variety of purposes, including analyses relating to the consumer's spending behaviors or patterns for example. In accordance with one aspect of the invention, the association of UPC and SKU data by the system facilitates a network-wide search for an item that a consumer desires to purchase under terms or conditions that are selected by the consumer and are therefore perceived to be optimal by that consumer. In accordance with another aspect of the invention, the association of UPC and SKU data by the system facilitates data analysis by a consumer based upon any of several factors, including items purchased, prices for those items, retailer ID, SKU number, UPC, manufacturer ID, and/or the like. The system may compile any of the above data across multiple entities for the purpose of data analysis, such as analyses which may be employed in consumer budgeting for example.

摘要翻译： 本发明提供了一种在全网范围内实施购买者激励程序的系统。 该系统将网络层面上的SKU和UPC数据联系起来，为消费者提供既方便又具成本效益的采购环境。 在网络层面上，SKU和UPC数据的关联也为消费者提供了分析自己的购买数据的能力，包括与消费者消费行为或模式有关的分析。 根据本发明的一个方面，系统的UPC和SKU数据的关联有助于在消费者根据条件或条件选择的消费者期望购买的物品的网络范围内搜索，因此被认为是 最佳的消费者。 根据本发明的另一方面，系统的UPC和SKU数据的关联便于消费者基于以下几个因素中的任何一个，包括购买的项目，那些项目的价格，零售商ID，SKU号码，UPC，制造商 ID和/或类似物。 为了数据分析的目的，系统可以跨多个实体编译任何上述数据，例如可以在消费者预算中使用的分析。