公开(公告)号：US20160098739A1

公开(公告)日：2016-04-07

申请号：US14505353

申请日：2014-10-02

申请人： Glenn A. Bowman

发明人： Glenn A. Bowman

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0216 ,  G06Q30/0226 ,  G06Q40/06

摘要： A shareholder investment system and method is provided. At least certain embodiments relate to processing of loyalty rewards such as rewards generated via the use of credit cards, debit cards, prepaid cards, etc. A payment processing system for financial transactions is enhanced to support reward transactions. The reward communications can be processed over the payment processing system together with payment transactions. Consumer's can accumulate monetary value associated with the rewards in a rewards account. The rewards are based on awards provided by conducting transactions using a rewards account associated with a shareholder rewards program or by conducting transactions with particular merchants participating in the rewards program. The accumulated monetary value can then be used for purchase of shares of stock of participating merchants.

摘要翻译： 提供股东投资制度和方法。 至少某些实施例涉及忠诚奖励的处理，例如通过使用信用卡，借记卡，预付卡等产生的奖励。用于金融交易的支付处理系统被增强以支持奖励交易。 可以通过支付处理系统与支付交易一起处理奖励通信。 消费者可以在奖励帐户中积累与奖励相关的货币价值。 奖励是基于通过使用与股东奖励计划相关的奖励账户进行交易或通过与参与奖励计划的特定商户进行交易而提供的奖励。 累计货币价值可用于购买参与商户股票。

公开(公告)号：US08515785B2

公开(公告)日：2013-08-20

申请号：US11898752

申请日：2007-09-14

申请人： Brian J. Clark ,  Rhonda R. Elming ,  Thomas A. Doruska

发明人： Brian J. Clark ,  Rhonda R. Elming ,  Thomas A. Doruska

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q30/0216

摘要： A method for rewarding life insurance policy holders who satisfy requirements relating to insured individuals' wellness includes segmenting a group of insured individuals into a W group that qualifies for a wellness benefit and a S group that does not qualify for the wellness benefit. Qualification for the wellness benefit is based on compliance with one or more of said requirements relating to insured individuals' wellness. An aggregate wellness benefit pool available for distribution to members of the W group is then determined. The wellness benefits may be distributed in several forms or combinations thereof, such as cash dividends, reductions in premiums, free additional insurance coverage for a specified time period, credits towards policy cash value or increases in other benefits. The requirements relating to an insured individual's wellness may include one or more existing health (results-based) conditions or activity-based requirements, or a combination thereof.

摘要翻译： 奖励符合保险人身体健康要求的人寿保险单的方法包括将一组被保险人分为符合健康福利条件的W组和不符合健康福利条件的S组。 健康福利的资格是基于符合一项或多项与被保险人健康有关的要求。 然后确定可用于分配给W组成员的总体健康福利池。 健康福利可以以多种形式或组合分配，例如现金股利，保费减免，特定时间段内的免费额外保险，对政策现金价值的信贷或其他利益的增加。 与被保险人的健康有关的要求可能包括一个或多个现有健康（基于结果的）条件或基于活动的要求，或其组合。

公开(公告)号：US08271306B2

公开(公告)日：2012-09-18

申请号：US12928066

申请日：2010-12-02

申请人： Bruce Bradford Thomas ,  Lester Ware Preston

发明人： Bruce Bradford Thomas ,  Lester Ware Preston

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q30/0216 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for marketing, underwriting, and providing coverage for damages that are associated with insured loss events but that are not covered by traditional insurance policies. This method permits the marketing of loss expense coverage, underwriting, and claim adjustment processes of insurance to be performed by reference to the loss payments that are made by a specified insurance policy. By referencing insured loss payments, which both a buyer and a seller understand, this method provides an easy way to communicate and transact something that is otherwise difficult or impossible to define or measure.

摘要翻译： 一种销售，承销和提供与保险损失事件相关但不属于传统保险单的损害赔偿的方法。 这种方法允许通过参照指定保险单的损失付款进行损失费用覆盖，承保和索赔调整过程的营销。 通过参考买方和卖方了解的保险损失付款，该方法提供了一种简单的方式来沟通和处理其他难以或不可能定义或测量的东西。

公开(公告)号：US08140387B2

公开(公告)日：2012-03-20

申请号：US11050905

申请日：2005-02-03

申请人： Chaun P. Heywood

发明人： Chaun P. Heywood

IPC分类号： G06K5/00 ,  G06F17/60

CPC分类号： G06Q20/04 ,  G06Q20/405 ,  G06Q30/02 ,  G06Q30/0216 ,  G06Q30/0224 ,  G06Q30/0226 ,  G06Q30/0232 ,  G06Q30/0235

摘要： A method of communicating a renewal incentive for an expiring account to a user of the account. The method includes the steps of identifying a renewal date for the account with a host computer, and calculating whether the account qualifies for the renewal incentive based on account history accessible by the computer. The method also includes sending renewal data to the user about the renewal date, and the renewal incentive, for the account. The renewal incentive is effective upon renewal of the account, and the renewal incentive includes an enhancement over a current feature for the account.

摘要翻译： 向帐户的用户传达到期账户的更新激励的方法。 该方法包括以下步骤：使用主计算机识别帐户的续订日期，以及基于计算机可访问的帐户历史来计算帐户是否符合续订激励。 该方法还包括向用户发送有关续订日期和更新激励的更新数据。 更新激励在帐户更新时生效，续订激励包括对帐户的当前功能的增强。

公开(公告)号：US07904327B2

公开(公告)日：2011-03-08

申请号：US10426596

申请日：2003-04-30

申请人： William L. Phelan ,  Jeffrey Q. Reagen ,  Carol R. Peo ,  Michael L. J. Hackney ,  Ellen Pedersen ,  Michael P. Skrzypczak ,  John C. Wells

发明人： William L. Phelan ,  Jeffrey Q. Reagen ,  Carol R. Peo ,  Michael L. J. Hackney ,  Ellen Pedersen ,  Michael P. Skrzypczak ,  John C. Wells

IPC分类号： G06F170/60

CPC分类号： G06Q30/02 ,  G06Q30/0201 ,  G06Q30/0216 ,  G06Q30/0274 ,  G06Q40/06

摘要： A marketing optimization module automatically obtaining multi-dimensional marketing data from a market client. The marketing optimization module automatically organizes at least a part of the multi-dimensional marketing data into one or more marketing categories. The marketing optimization module then analyzes all of or a part of the multi-dimensional marketing data to facilitate the optimization of a marketing investment.

摘要翻译： 营销优化模块从市场客户端自动获取多维营销数据。 营销优化模块将至少一部分多维营销数据自动组织成一个或多个营销类别。 营销优化模块然后分析多维营销数据的全部或部分，以促进营销投资的优化。

公开(公告)号：US07895200B2

公开(公告)日：2011-02-22

申请号：US11457700

申请日：2006-07-14

申请人： Jaime Baldovinos

发明人： Jaime Baldovinos

IPC分类号： G06F17/30 ,  G06F7/00

CPC分类号： G06Q10/10 ,  G06Q10/109 ,  G06Q30/0216 ,  G06Q40/00 ,  Y10S707/944

摘要： The invention is a contact, calendar, workflow, and intelligence gathering application that allows a user, such as a financial advisor to collect, codify and analyze objective and subjective data regarding clients, corporate/institutional accounts, contacts/prospects, financial products and market trends. The invention assists a financial advisor in batch calling, scheduling work, delegating tasks and facilitating associative intellect, allowing a user to test hunches or “wispy thoughts” to discovery client and market trends.

摘要翻译： 本发明是一种联系人，日程表，工作流程和情报收集应用程序，允许诸如财务顾问等用户收集，编纂和分析关于客户，公司/机构账户，联系人/潜在客户，金融产品和市场的客观和主观数据 趋势。 本发明协助财务顾问进行批量呼叫，调度工作，委托任务和促进关联智能，允许用户对发现客户端和市场趋势进行测试或“虚构思考”。

公开(公告)号：US07711627B2

公开(公告)日：2010-05-04

申请号：US10040837

申请日：2002-01-07

申请人： Andrew C. Gilbert ,  Mary Ann Gilbert, legal representative ,  Glenn D. Kirwin ,  Joan Kirwin, legal representative

发明人： Andrew C. Gilbert ,  Glenn D. Kirwin

IPC分类号： G06Q40/00

CPC分类号： G06Q40/04 ,  G06Q30/0216 ,  G06Q40/00

摘要： Methods and systems for providing and implementing crossing markets are provided. These methods and systems preferably include facilitating trading at crossing markets by establishing crossing market trading rules, incentivizing crossing market participants, and improving the efficiency of crossing market trading.

摘要翻译： 提供了提供和实施交叉市场的方法和系统。 这些方法和制度优选包括通过建立跨市场交易规则，激励跨市场参与者，提高跨市场交易效率，促进跨市场交易。

公开(公告)号：US20100010888A1

公开(公告)日：2010-01-14

申请号：US12172414

申请日：2008-07-14

申请人： Richard Maertz

发明人： Richard Maertz

IPC分类号： G06Q20/00

CPC分类号： G06Q20/387 ,  G06Q30/02 ,  G06Q30/0216 ,  G06Q30/0234

摘要： One embodiment of the present invention advantageously provides rebates in association with purchases. These rebates are then automatically apportioned and distributed into various accounts, such as charitable and investment accounts, in accordance with the purchaser's directives.

摘要翻译： 本发明的一个实施例有利地提供与采购相关联的折扣。 然后根据买方的指示，这些折扣自动分配到各种账户，如慈善和投资账户。

公开(公告)号：US20090313128A1

公开(公告)日：2009-12-17

申请号：US12458505

申请日：2009-07-14

申请人： Christopher S. Webb ,  Thomas E. Katana

发明人： Christopher S. Webb ,  Thomas E. Katana

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q30/0215 ,  G06Q30/0216 ,  G06Q30/0238 ,  G06Q30/0601 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/06 ,  G06Q50/188

摘要： A method of doing business in a retail environment employs a patronage incentive system incorporating a rounding up saving software program which provides a customer making a purchase at a point-of-sale terminal of participating retailers with an option to round up the price of purchase to the nearest dollar (or higher), to credit the difference between the rounded and the retail price to an account once the purchase is made, and to invest the savings into a single predetermined mutual fund. The rounding up program establishes a personal account for each customer, establishes a cumulative account with the single mutual fund, interacts with the customer, and, upon the request of customer, provides the customer with the information regarding his/her account current and/or prospective.

公开(公告)号：US20090204498A1

公开(公告)日：2009-08-13

申请号：US12367187

申请日：2009-02-06

申请人： Scott Galit

发明人： Scott Galit

IPC分类号： G06Q20/00 ,  G06Q10/00 ,  G06Q40/00 ,  G06Q30/00 ,  G06Q50/00

CPC分类号： G06Q40/00 ,  G06Q20/105 ,  G06Q30/0216 ,  G06Q40/12

摘要： Embodiments of the present invention, for example, provide a government stimulus card being issued and managed by a bank and using an open payment network for purchase authorization and payments. The embodiments provide flexibility in the funding of stimulus programs, including no upfront payments by the government and letters of credit from third-party lenders, permitting the government to retain funds until the spending occurs by cardholders. Embodiments provide targeted-spending stimulus by excluding cash payments to consumers, by limiting usage of the card to only targeted merchants, by requiring reports from the bank that document consumer purchases using the stimulus card, and by establishing relationships with merchants to provide a discount for using the stimulus card as payment, advantageously resulting in a greater effect to the economy from government targeted-spending stimulus program. Embodiments also include funding a promotion card on behalf of an entity as part of a promotion program.

摘要翻译： 例如，本发明的实施例提供了由银行发行和管理的政府刺激卡，并且使用开放的支付网络进行购买授权和支付。 这些实施例为刺激计划的资金提供了灵活性，包括政府的预付款和第三方贷款人的信用证，允许政府在持卡人支出发生之前保留资金。 实施方案通过向消费者排除现金支付，通过将卡片仅限于目标商家的使用限制，通过要求银行提供消费者使用刺激卡购买的文件的报告，并通过与商家建立关系来提供折扣 使用刺激卡作为付款，有利地从政府的针对性支出刺激计划中对经济产生更大的影响。 实施例还包括代表实体提供促销卡，作为促销计划的一部分。