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2. 发明申请

WO2007035831A2 METHOD AND SYSTEM FOR MULTIPLE INCOME-GENERATING BUSINESS CARD AND REFERRAL NETWORK 审中-公开
标题翻译：多种收入产生商业卡和引用网络的方法和系统
公开(公告)号：WO2007035831A2
公开(公告)日：2007-03-29
申请号：PCT/US2006036701
申请日：2006-09-20
申请人： CHAO LI-HSIANG
发明人： CHAO LI-HSIANG
IPC分类号： G06K5/00 , G06Q30/00
CPC分类号： G06Q30/00 , G06Q20/10 , G06Q20/24 , G06Q20/387 , G06Q30/02 , G06Q30/0214 , G06Q30/0215 , G06Q30/0222 , G06Q30/0225 , G06Q30/0234 , G06Q30/0239 , G06Q40/025
摘要： A system and method for using a communications network with a server and a database to provide income-generating business card and referral card network. In one embodiment, a credit card issuer provides a set of personalized business cards to a first customer for his use, upon qualifying the first customer for a credit card from the card issuer. The business cards can be used to receive a discount from a merchant within certain network affiliated with the card issuer. At the same time, the business cards provide a linkage to the first customer's account, so that the first customer will receive a credit to his account, based on the second customer's use of the business card at an affiliated merchant. The second customer is then invited to apply for a credit card from the card issuer. If the second customer qualifies and accepts the credit card, the second customer receives his own set of personalized business cards for distribution. Whenever the second customer uses his credit card anywhere, another credit is applied to the first customer. Also, whenever a third customer uses the second customer's business card during a commercial transaction, the second customer will receive a credit in his account. If the third customer also becomes a credit card holder from the card issuer, the second customer will then receive a credit whenever the third customer uses his credit card anywhere. The system may be set up so that the customers who refer continue to receive credits whenever customers from one or more levels below use the business cards for discounts, or use their own credit cards.
摘要翻译：一种使用通信网络与服务器和数据库提供创收名片和转介卡网络的系统和方法。在一个实施例中，信用卡发行者在第一客户从卡发行者获得信用卡时，向第一客户提供一组个性化名片以供其使用。名片可用于从与发卡机构相关联的特定网络内的商家收到折扣。同时，名片提供与第一客户帐户的联系，以便第一客户将根据第二客户在附属商家的名片使用他的帐户获得信用。然后第二个客户被邀请从发卡机构申请信用卡。如果第二个客户符合资格并接受信用卡，则第二个客户将收到他自己的一套个性化名片进行分发。每当第二个客户在任何地方使用他的信用卡时，第一个客户应用另一个信用卡。此外，每当第三客户在商业交易中使用第二客户的名片时，第二客户将在其帐户中收到信用。如果第三个客户也成为发卡机构的信用卡持有人，则当第三个客户在任何地方使用他的信用卡时，第二个客户将收到信用卡。可以设置系统，以便在以下一个或多个级别的客户使用名片进行折扣或使用自己的信用卡时，引用的客户继续接收信用。

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