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    • 3. 发明申请
    • Intelligent Meta-Payment System
    • 智能元支付系统
    • US20130204728A1
    • 2013-08-08
    • US13367773
    • 2012-02-07
    • David Aaron LichtermanMathias Joseph Rengert
    • David Aaron LichtermanMathias Joseph Rengert
    • G06Q20/32G06Q30/06
    • G06Q10/00G06Q20/227G06Q20/322G06Q30/06
    • The present invention relates generally to payment systems and a method of selecting a specific payment method from a plurality of available payment methods. More specifically, the present invention is a system and method of selecting the payment method from a plurality of payment methods that provides the most benefits and/or fewest fees to the purchasing party with respect to the specific purchase. The system and method may take into account location, user-inputted data, data supplied from a merchant, consumer behavior, and may be additionally connected to location data services, electronically stored payment methods and their attributes including rewards and fees. The system may further effect a transaction via communications between a merchant and a consumer via a personal computing device, a programmable magnetic strip, or virtually via the Internet or over telephony.
    • 本发明一般涉及支付系统和从多种可用支付方法中选择特定支付方法的方法。 更具体地说,本发明是一种从多个支付方式中选择支付方式的系统和方法,该方法为购买方提供了最大的收益和/或最少的费用。 系统和方法可以考虑位置,用户输入的数据,从商家提供的数据,消费者行为,并且可以另外连接到位置数据服务,电子存储的支付方式及其属性,包括奖励和费用。 该系统可以经由个人计算设备,可编程磁条或虚拟地经由因特网或通过电话进一步影响商家和消费者之间的通信。