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1. 发明授权

US10037535B2 Loyalty program parameter collaboration 有权
公开(公告)号：US10037535B2
公开(公告)日：2018-07-31
申请号：US11848179
申请日：2007-08-30
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard
IPC分类号： G06Q30/00 , G06Q30/02
CPC分类号： G06Q30/00 , G06Q30/02 , G06Q30/0226
摘要： Collaborative constituents collaborate to develop a loyalty program within a transaction processing system. Transmissions addressed to the collaborative constituents are formed and received from the collaborative constituents containing suggested parameters for the loyalty program. At least one remaining parameter for the loyalty program that a set of remaining collaborative constituents have agreed upon is determined. Another transmission addressed to each of the collaborative constituents in the set of remaining collaborative constituents is formed, the another transmission including the remaining parameters for the loyalty program.

2. 发明申请

US20100169170A1 MERCHANT OFFER PROGRAM 审中-公开
标题翻译：商业计划
公开(公告)号：US20100169170A1
公开(公告)日：2010-07-01
申请号：US12604322
申请日：2009-10-22
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard , Jeanette M. Yoder , Leigh Amaro
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard , Jeanette M. Yoder , Leigh Amaro
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q30/00 , G06Q30/0215
摘要： A value of an incentive in a loyalty program is debited from a funding balance and credited to an account used in a transaction that qualifies for the incentive. A computing device receives a plurality of transactions upon accounts issued to account holders by corresponding issuers. After the transactions that qualify for the incentive are cleared and settled, funds matching the value of the incentive is transferred from a funding balance of the sponsor of the incentive to the account used in the qualified transaction. The issuer's interchange fee remains intact after the credit is applied.
摘要翻译：忠诚计划中的激励价值从资金余额中扣除，并记入有资格获得激励的交易中使用的账户。计算设备在通过相应的发行者向帐户持有者发行账户时接收多个交易。在符合激励条件的交易清算并结算后，与激励价值相匹配的资金将从激励担保人的资金余额转入合格交易使用的账户。信用证申请后，发行人的兑换费用保持不变。

3. 发明授权

US08620738B2 Loyalty program incentive determination 有权
标题翻译：忠诚计划奖励决定
公开(公告)号：US08620738B2
公开(公告)日：2013-12-31
申请号：US11848112
申请日：2007-08-30
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , David Chauncey Shepard
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , David Chauncey Shepard
IPC分类号： G06Q30/02 , G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0226 , G06Q30/0238
摘要： The eligibility of an transaction between a consumer and a merchant toward an incentive for a loyalty program is determined using a globally unique identifier (GUID) matching algorithm. Information characterizing the transaction may include a GUID for the merchant and a GUID for an account of the consumer on which the transaction is payable. The GUIDs are each matched against GUIDs of merchants and accounts stored in a database, some of which are distinguished as loyalty program participants. When both the GUID for the merchant and the GUID for the account match with respective GUIDs in the database that are distinguished as loyalty program participants, the transaction is eligible toward the incentive.
摘要翻译：使用全局唯一标识符（GUID）匹配算法确定消费者和商家之间对忠诚度计划的激励的交易的资格。表征交易的信息可以包括商家的GUID和用于支付交易的消费者的帐户的GUID。 GUID每个与存储在数据库中的商家和帐户的GUID匹配，其中一些被区分为忠诚度计划参与者。当商家的GUID和该帐户的GUID都与数据库中被分类为忠诚度计划参与者的相应GUID匹配时，该交易有资格获得激励。

4. 发明申请

US20100145778A1 CONSUMER COMMERCIAL BEHAVIOR MODIFICATION THROUGH MULTIPLE MERCHANT INCENTIVE PROGRAM 审中-公开
标题翻译：消费者商业行为改变通过多种商业激励计划
公开(公告)号：US20100145778A1
公开(公告)日：2010-06-10
申请号：US12632136
申请日：2009-12-07
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , David C. Shepard
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , David C. Shepard
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q30/02 , G06Q30/0229
摘要： A multi-provider rewards program in which rewards are awarded for a series of transactions using an account in a transaction processing system. The transaction processing system includes at least one issuer, at least one acquirer, a plurality of resource providers, a transaction handler, a rewards program rule implementer having access to the rewards program database, and an implementer processor. The implementer processor receives transaction data whenever a transaction occurs using the consumer account, uses the transaction data to determine when a consumer has performed the separate transactions associated with each of a plurality of merchants that are required by a rewards rule and when a consumer has performed the separate transactions with each of the plurality of resource providers, and identifies a reward for the consumer that performed the transactions.
摘要翻译：一个多供应商奖励计划，其中使用交易处理系统中的一个帐户对一系列交易进行奖励。交易处理系统包括至少一个发行者，至少一个收单方，多个资源提供者，交易处理程序，具有访问奖赏程序数据库的奖赏程序规则实现者，以及实施者处理器。实施者处理器每当使用消费者帐户进行交易时接收交易数据，则使用交易数据来确定消费者何时执行与奖励规则所要求的多个商家中的每一个相关联的单独交易，以及消费者已经执行与所述多个资源提供者中的每一个的单独交易，并且识别执行所述交易的所述消费者的奖励。

5. 发明授权

US10121152B2 Consumer specific conditional rewards 有权
公开(公告)号：US10121152B2
公开(公告)日：2018-11-06
申请号：US11862487
申请日：2007-09-27
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Shaun Bodington
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Shaun Bodington
IPC分类号： G06Q30/02
摘要： A set of conditional rewards are associated with a consumer. Thereafter, notice of a reward is given for each of the consumer's transactions upon one of the consumer's accounts that satisfies one of the conditional rewards in the set. The set may be selected by the consumer, or by the issuer such as when the issuer uses a transaction history of purchases made on the consumer's account to determine the set of conditional rewards that would match a past purchasing trend of the consumer. A Globally Unique Identifier, unique within a plurality of transaction processing systems, can be associated with the consumer and used to match the transactions to a corresponding conditional reward.

6. 发明授权

US09031859B2 Rebate automation 有权
标题翻译：回扣自动化
公开(公告)号：US09031859B2
公开(公告)日：2015-05-12
申请号：US12784324
申请日：2010-05-20
申请人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
发明人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
IPC分类号： G06Q30/00 , G06Q20/20 , G06Q20/04 , G06Q20/38 , G06Q30/02
CPC分类号： G06Q20/20 , G06Q20/04 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0225 , G06Q30/0234 , G06Q30/0238
摘要： A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.
摘要翻译：计算机接收信息，该信息用于授权商家向在帐户持有人的消费者帐户进行的交易中的帐户持有者销售产品的交易。当计算机确认交易被授权并且交易发生在与产品相关联的折扣的预定时间段内以及相应的赞助商在财务上负责回扣时，计算机将该回扣借记到赞助商的帐户，以及：（i）在销售点作为商户的折扣给予账户持有人; 或（ii）记入发行人向账户持有人发行的账户。

7. 发明申请

US20110066483A1 REBATE AUTOMATION 有权
标题翻译： REBATE自动化
公开(公告)号：US20110066483A1
公开(公告)日：2011-03-17
申请号：US12784324
申请日：2010-05-20
申请人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
发明人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/04 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0225 , G06Q30/0234 , G06Q30/0238
摘要： A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.
摘要翻译：计算机接收信息，该信息用于授权商家向在帐户持有人的消费者帐户进行的交易中的帐户持有者销售产品的交易。当计算机确认交易被授权并且交易发生在与产品相关联的折扣的预定时间段内以及相应的赞助商在财务上负责回扣时，计算机将该回扣借记到赞助商的帐户，以及：（i）在销售点作为商户的折扣给予账户持有人; 或（ii）记入发行人向账户持有人发行的账户。

8. 发明授权

US08744906B2 Systems and methods for targeted advertisement delivery 有权
标题翻译：针对广告投放的系统和方法
公开(公告)号：US08744906B2
公开(公告)日：2014-06-03
申请号：US13221745
申请日：2011-08-30
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , James Alan VonDerheide , Diane C. Salmon
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , James Alan VonDerheide , Diane C. Salmon
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0255 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service.
摘要翻译：在一个方面，一种计算设备被配置为接收对简档的请求以自定义用于呈现给在该请求中标识的用户的信息，并且响应于该标识该用户的请求，提供基于该事件数据生成的简档用户。该简档利用代表多个区域中的汇总支出的多个值汇总用户的交易数据。该信息包括基于简档选择，优先，调整或生成的广告。该广告至少包括优惠，如折扣，奖励，奖励，优惠券，礼品，现金回赠，优惠，产品或服务。

9. 发明申请

US20120109709A1 Systems and Methods for Panel Enhancement with Transaction Data 审中-公开
标题翻译：使用交易数据进行面板增强的系统和方法
公开(公告)号：US20120109709A1
公开(公告)日：2012-05-03
申请号：US13277159
申请日：2011-10-19
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Charles Raymond Byce , Kevin Paul Siegel , Ryan Hagey , Leigh Amaro , Nurtekin Savas
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Charles Raymond Byce , Kevin Paul Siegel , Ryan Hagey , Leigh Amaro , Nurtekin Savas
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q30/0201
摘要： In one aspect, a computing apparatus is configured to generate audience measurement data regarding presentation of information to a plurality of customers via one or more media channels, identify the plurality of customers to a transaction handler to request information, receive the information generated based on transaction data related to a plurality of transactions processed at the transaction handler, and generate a report based on the audience measurement data and the information generated based on the transaction data. The one or more media channels may include an online media channel, a mobile communication channel, or an offline media channel, such as television broadcast, radio broadcast, newspaper, magazine, direct mail, billboard, etc.
摘要翻译：一方面，一种计算装置被配置为经由一个或多个媒体信道生成关于向多个客户呈现信息的观众测量数据，将多个客户识别到交易处理器以请求信息，接收基于交易产生的信息与在交易处理器处理的多个交易相关的数据，并且基于观众测量数据和基于交易数据生成的信息生成报告。一个或多个媒体频道可以包括在线媒体频道，移动通信频道，或诸如电视广播，无线电广播，报纸，杂志，直邮，广告牌等的离线媒体频道。

10. 发明申请

US20110258065A1 Product Recall Platform Apparatuses, Methods And Systems 有权
标题翻译：产品回收平台设备，方法和系统
公开(公告)号：US20110258065A1
公开(公告)日：2011-10-20
申请号：US13101083
申请日：2011-05-04
申请人： Edward W. Fordyce, III , Nurtekin Savas
发明人： Edward W. Fordyce, III , Nurtekin Savas
IPC分类号： G06Q30/00 , G06Q99/00
CPC分类号： G06Q30/014 , G06Q10/10 , G06Q30/0601
摘要： The product recall platform apparatuses, methods and systems (“PR Platform”) transforms recall initiation request, product identifier and purchase processing request inputs via PR Platform components into recall notification message outputs. In some embodiments, the PR Platform receives a purchase processing request including a plurality of product identifiers and preselects product identifiers that qualify for purchase processing based on at least one purchase processing rule. The PR Platform facilitates querying of a product recall database to determine if the preselected product identifiers match recalled product identifiers in the product recall database. If at least one of the preselected product identifiers match the recalled product identifiers, the PR Platform retrieves a recall message associated with the at least one of the preselected product identifiers and notification preferences associated with the purchase processing request. The PR Platform then generates a recall notification message in accordance with the notification preferences to include the recall message associated with the at least one of the preselected product identifiers.
摘要翻译：产品召回平台设备，方法和系统（“PR平台”）通过PR平台组件将召回启动请求，产品标识和购买处理请求输入转换为调用通知消息输出。在一些实施例中，PR平台基于至少一个购买处理规则接收包括多个产品标识符的购买处理请求并且预先选择符合购买处理的产品标识符。 PR平台有助于查询产品召回数据库，以确定预选产品标识符是否与产品召回数据库中的召回产品标识符相匹配。如果至少一个预先选择的产品标识符与被召回的产品标识符相匹配，则PR平台检索与至少一个预购产品标识符和与购买处理请求相关联的通知偏好相关联的召回消息。 PR平台然后根据通知偏好生成召回通知消息，以包括与预选产品标识符中的至少一个相关联的召回消息。

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