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1. 发明授权

US11120462B2 Systems and methods for using indicia of membership as a partial authorization in a transaction 有权
公开(公告)号：US11120462B2
公开(公告)日：2021-09-14
申请号：US14933992
申请日：2015-11-05
申请人： Michael Parlotto , David Vielehr , Karl Denzer , David Zygmont
发明人： Michael Parlotto , David Vielehr , Karl Denzer , David Zygmont
IPC分类号： G06Q30/02 , G06Q20/20 , G06Q20/34
摘要： In accordance with some embodiments of the present invention, aspects may include systems and methods of using a membership card to obtain benefits in a purchase transaction for goods or services. The method may include steps such as receiving at a central processor a communication from a point of sale including one or more identifiers of goods or services selected in the purchase transaction and information identifying the membership card, including at least a portion of the indicia; determining by the central processor potential benefits, if any, associated with the membership card; determining by the central processor if any potential benefits are applicable to the merchant, the point of sale, or the one or more goods or services identified by the received identifiers; determining a transaction benefit amount applicable to the transaction; and sending to the point of sale a partial authorization in the amount of the transaction benefit amount.

2. 发明申请

US20170140358A1 Network Bridge for Local Transaction Authorization 审中-公开
公开(公告)号：US20170140358A1
公开(公告)日：2017-05-18
申请号：US14944319
申请日：2015-11-18
申请人： Andrew Orrock , David Vielehr
发明人： Andrew Orrock , David Vielehr
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/34
摘要： In general, the present invention is directed to an apparatus for locally processing stored value card transactions, the apparatus proximate to a retailer point-of-sale (POS) or host, the apparatus in communication with the POS or host and a stored value card processor and configured to: receive a transaction request; determine if the transaction request should be passed through to the stored value card processor or decided upon locally; if the transaction request should be passed through; communicate such request to the stored value card processor, upon receiving a certain response from stored value card processor, or from the attempted communication with the stored value card processor, locally overriding the response of the stored value card processor or deciding upon the transaction request locally; if the transaction request should not be passed through; locally deciding the transaction request; and communicating a transaction request response back to the POS or host.

3. 发明申请

US20160055516A1 Systems and Methods for Using Indicia of Membership as a Partial Authorization in a Transaction 审中-公开
标题翻译：使用会员标识作为交易中的部分授权的系统和方法
公开(公告)号：US20160055516A1
公开(公告)日：2016-02-25
申请号：US14933992
申请日：2015-11-05
申请人： Michael Parlotto , David Vielehr , Karl Denzer , David Zygmont
发明人： Michael Parlotto , David Vielehr , Karl Denzer , David Zygmont
IPC分类号： G06Q30/02 , G06Q20/40
CPC分类号： G06Q30/0226 , G06Q20/204 , G06Q20/3574 , G06Q30/0238
摘要： In accordance with some embodiments of the present invention, aspects may include systems and methods of using a membership card to obtain, benefits in a purchase transaction for goods or services. The method may include steps such as receiving at a central processor a communication from a point of sale including one or more identifiers of goods or services selected in the purchase transaction and information identifying the membership card, including at least a portion of the indicia; determining by the central processor potential benefits, if any, associated with, the membership card; determining by the central processor if any potential benefits are applicable to the merchant, the point of sale, or the one or more goods or services identified by the received identifiers; determining a transaction benefit amount applicable to the transaction; and sending to the point of sale a partial authorization in the amount of the transaction benefit amount.
摘要翻译：根据本发明的一些实施例，方面可以包括使用会员卡来获得在商品或服务的购买交易中获益的系统和方法。该方法可以包括诸如在中央处理器处从包括在购买交易中选择的商品或服务的一个或多个标识符的销售点处接收的通信的步骤，以及标识会员卡的信息，包括标记的至少一部分; 由中央处理器确定与会员卡有关的潜在利益（如果有的话）; 由中央处理器确定是否适用于商家，销售点或由接收到的标识符识别的一个或多个商品或服务的任何潜在利益; 确定适用于交易的交易利益金额; 并将交易利益金额的部分授权发送到销售点。

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