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1. 发明授权

US07039603B2 Settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network 失效
标题翻译：结算系统和方法，其中买方在使用通信网络购买的产品的零售商处占有
公开(公告)号：US07039603B2
公开(公告)日：2006-05-02
申请号：US09348566
申请日：1999-07-07
申请人： Jay S. Walker , Jonothan Otto , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco , Ian Levitan
发明人： Jay S. Walker , Jonothan Otto , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco , Ian Levitan
IPC分类号： G06F17/60
CPC分类号： G06Q30/02 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/201 , G06Q20/24 , G06Q20/401 , G06Q20/403 , G06Q30/0211 , G06Q30/0225 , G06Q30/0235 , G06Q30/0273 , G06Q30/0277 , G06Q30/06 , G06Q30/0613 , G07F7/00 , G07F9/026
摘要： Settlement systems and methods are provided wherein a buyer takes possession of a product at a retailer. In one embodiment, a purchasing system arranges through a communication network for a buyer to purchase a product from a seller at a first price. The purchasing system also arranges for the buyer to take possession of the product at a retailer that offers the product for sale at a second price. Payment of an amount based on the first price is received from the buyer, and the purchasing system arranges for the retailer to receive payment of an amount based on a settlement price in exchange for providing the product to the buyer.
摘要翻译：提供结算系统和方法，其中买方在零售商处占有产品。在一个实施例中，采购系统通过通信网络安排买方以第一价格从卖方购买产品。购买系统还安排买方在以第二价格出售产品的零售商处占有产品。从买方收到根据第一价格支付的金额，采购系统安排零售商根据结算价格接收金额的支付，以换取向买方提供产品。

2. 发明授权

US08260670B2 Multi-tier pricing of individual products based on volume discounts 有权
标题翻译：基于批量折扣的单个产品的多层次定价
公开(公告)号：US08260670B2
公开(公告)日：2012-09-04
申请号：US12592220
申请日：2009-11-20
申请人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
发明人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
IPC分类号： G06G1/12 , G06F17/60
CPC分类号： G06Q30/02 , G06Q20/202 , G06Q20/387 , G06Q30/0222 , G07G1/145
摘要： A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated historical transaction amount associated therewith, such that in order to qualify for a given pricing tier and thus a given price for a product, a customer must be associated with the appropriate historical transaction amount corresponding to the pricing tier.
摘要翻译：销售系统或其他计算机系统存储产品定价数据库，其中针对可出售的每个产品存储对应于一个或多个折扣价格层的全价和折扣价格。给定产品的每个折扣价格具有与之相关联的历史交易金额，使得为了符合给定的定价层次，从而符合产品的给定价格，客户必须与相应的适当的历史交易金额相关联到定价层。

3. 发明授权

US07496523B2 Method and apparatus for defining routing of customers between merchants 有权
公开(公告)号：US07496523B2
公开(公告)日：2009-02-24
申请号：US11399143
申请日：2006-04-06
申请人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
发明人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
IPC分类号： G06F17/60
CPC分类号： G06Q30/0231 , G06Q10/06311 , G06Q10/06316 , G06Q20/20 , G06Q20/204 , G06Q20/387 , G06Q30/02 , G06Q30/0201 , G06Q30/0211 , G06Q30/0219 , G06Q30/0235 , G06Q30/0236 , G06Q30/0238 , G06Q30/0239 , G06Q30/0601 , G06Q30/0611 , G06Q40/04 , G07G1/14
摘要： A server or Internet service provider computer selects a soliciting merchant and an outputting merchant based on various factors. In one embodiment, the soliciting merchant is selected is its activity rate (e.g. sales rate) is low. The outputting merchant provides offers for bonuses to customers on behalf of the soliciting merchant. The bonus is provided to the customer in exchange for consummating a transaction with the soliciting merchant. Thus, the soliciting merchant benefits from the increased patronage such offers encourage.

4. 发明申请

US20130060621A1 MULTI-TIER PRICING OF INDIVIDUAL PRODUCTS BASED ON VOLUME DISCOUNTS 审中-公开
标题翻译：基于体积折扣的个性化产品的多层次定价
公开(公告)号：US20130060621A1
公开(公告)日：2013-03-07
申请号：US13599137
申请日：2012-08-30
申请人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
发明人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q20/202 , G06Q20/387 , G06Q30/0222 , G07G1/145
摘要： A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated threshold purchase total that has to be satisfied before the discount price is applied to a transaction. When a transaction occurs, the purchase total for the transaction is first calculated on the basis of full retail prices for the products and the purchase total for the transaction is compared with one or more threshold purchase totals which correspond to the discount pricing tiers. If a discount pricing tier is applicable (e.g. the calculated purchase total for the transaction is at least equal to a threshold purchase total), the appropriate discount prices for each product in the transaction are retrieved and used to calculate a reduced purchase total for the transaction. Qualification for discount pricing can also be based on, for example, a customer's purchasing history, or the number of a certain type of product included in the transaction instead of the purchase total of a transaction.
摘要翻译：销售系统或其他计算机系统存储产品定价数据库，其中针对可出售的每个产品存储对应于一个或多个折扣价格层的全价和折扣价格。给定产品的每个折扣价格都有相关的门槛购买总额，在折扣价格应用于交易之前必须满足。当交易发生时，交易的购买总额首先根据产品的全部零售价格计算，并将交易的购买总额与对应于折扣价格层级的一个或多个门槛购买总额进行比较。如果适用折扣价格层级（例如交易的计算购买总额至少等于门槛购买总额），则会检索交易中每个产品的适当折扣价格，并用于计算交易的减少购买总额。折扣定价的资格也可以基于例如客户的采购历史，或交易中包括的特定类型的产品的数量，而不是交易的购买总额。

5. 发明申请

US20090228381A1 METHOD AND APPARATUS FOR PROCESSING A CHARGE APPLIED TO A FINANCIAL ACCOUNT 审中-公开
标题翻译：用于处理适用于财务帐目的费用的方法和装置
公开(公告)号：US20090228381A1
公开(公告)日：2009-09-10
申请号：US12468637
申请日：2009-05-19
申请人： Magdalena Mik , Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
发明人： Magdalena Mik , Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q30/04 , G06Q40/08 , G06Q50/22
摘要： In one embodiment, a billing server receives charge data from a card authorization terminal. The charge data indicates a transaction amount, such as a purchase price, and a first financial account, such as a credit card account. The billing server determines a second financial account that corresponds to the first financial account. For example, the second financial account may be the financial account of an insurance company or other reimbursing party. The billing server also determines a reimbursement amount that corresponds to the first financial account. The second financial account is charged the reimbursement amount. Thus, a portion or all of the transaction amount is paid by a reimbursing party. The second financial account is only charged if a reimbursement rule is satisfied. For example, only purchases made at certain types of merchants may be reimbursed. In addition, the billing server may first request approval before charging the second financial account.
摘要翻译：在一个实施例中，记帐服务器从卡授权终端接收费用数据。费用数据表示交易金额，例如购买价格，以及第一个金融账户，如信用卡账户。计费服务器确定对应于第一金融账户的第二金融账户。例如，第二财务帐户可以是保险公司或其他报销方的财务账户。计费服务器还确定对应于第一金融账户的报销金额。第二个财务帐户收取报销金额。因此，一部分或全部交易金额由偿付方支付。第二个财务帐户只有在偿还规定得到满足的情况下才会被收取。例如，只有在某些类型的商家进行的购买可能会被报销。此外，计费服务器可以在对第二金融账户收费之前首先请求批准。

6. 发明申请

US20080201194A1 METHOD AND APPARATUS FOR DEFINING ROUTING OF CUSTOMERS BETWEEN MERCHANTS 有权
标题翻译：用于定义商品间客户路由的方法和装置
公开(公告)号：US20080201194A1
公开(公告)日：2008-08-21
申请号：US12111637
申请日：2008-04-29
申请人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
发明人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
IPC分类号： G06Q30/00 , G06Q10/00
CPC分类号： G06Q30/0231 , G06Q10/06311 , G06Q10/06316 , G06Q20/20 , G06Q20/204 , G06Q20/387 , G06Q30/02 , G06Q30/0201 , G06Q30/0211 , G06Q30/0219 , G06Q30/0235 , G06Q30/0236 , G06Q30/0238 , G06Q30/0239 , G06Q30/0601 , G06Q30/0611 , G06Q40/04 , G07G1/14
摘要： A server or Internet service provider computer selects a soliciting merchant and an outputting merchant based on various factors. In one embodiment, the soliciting merchant is selected is its activity rate (e.g. sales rate) is low. The outputting merchant provides offers for bonuses to customers on behalf of the soliciting merchant. The bonus is provided to the customer in exchange for consummating a transaction with the soliciting merchant. Thus, the soliciting merchant benefits from the increased patronage such offers encourage.
摘要翻译：服务器或因特网服务提供商计算机根据各种因素选择一个招揽商家和一个输出商家。在一个实施例中，所选择的商户是其活动率（例如销售率）低。出货商代表征求商家向客户提供奖金。向客户提供奖金，以换取与征求商家完成交易。因此，征求商人受益于这种提供鼓励的增加的惠顾。

7. 发明授权

US07099832B2 Method and apparatus for defining routing of customers between merchants 有权
公开(公告)号：US07099832B2
公开(公告)日：2006-08-29
申请号：US10118620
申请日：2002-04-05
申请人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
发明人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
IPC分类号： G06F17/60
CPC分类号： G06Q30/0231 , G06Q10/06311 , G06Q10/06316 , G06Q20/20 , G06Q20/204 , G06Q20/387 , G06Q30/02 , G06Q30/0201 , G06Q30/0211 , G06Q30/0219 , G06Q30/0235 , G06Q30/0236 , G06Q30/0238 , G06Q30/0239 , G06Q30/0601 , G06Q30/0611 , G06Q40/04 , G07G1/14
摘要： A server or Internet service provider computer selects a soliciting merchant and an outputting merchant based on various factors. In one embodiment, the soliciting merchant is selected if its activity rate (e.g. sales rate) is low. The outputting merchant provides offers for bonuses to customers on behalf of the soliciting merchant. The bonus is provided to the customer in exchange for consummating a transaction with the soliciting merchant. Thus, the soliciting merchant benefits from the increased patronage such offers encourage.

8. 发明授权

US06754636B1 Purchasing systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network 有权
标题翻译：采购系统和方法，其中买方在使用通信网络购买的产品的零售商处拥有
公开(公告)号：US06754636B1
公开(公告)日：2004-06-22
申请号：US09337906
申请日：1999-06-22
申请人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
发明人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
IPC分类号： G06F1760
CPC分类号： G06Q30/02 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/201 , G06Q20/24 , G06Q20/401 , G06Q20/403 , G06Q30/0225 , G06Q30/0238 , G06Q30/0273 , G06Q30/0277 , G06Q30/06 , G06Q30/0613 , G07F7/00 , G07F9/026
摘要： Purchasing systems and methods are provided wherein a buyer takes possession of a product at a retailer. A purchasing system may communicate with a buyer through a communication network to establish a first price for a product between the buyer and a seller. The purchasing system may also arrange for the buyer to take possession of the product at a retailer, different from the seller, that offers the product for sale at a second price. Verification information, which enables the retailer to authorize the buyer to take possession of the product, is transmitted to the retailer. The buyer provides a payment, based on the first price, to the purchasing system in exchange for the right to take possession of the product at the retailer. In one embodiment, the purchasing system receives a buyer offer, including an offer price, related to the product. In another embodiment, the purchasing system transmits redemption information, including a redemption code, to the buyer. The redemption information may also include information that enables the creation of a voucher to be used when taking possession of the product. The purchasing system may also receive information related to an attempt by the buyer to take possession of the product, including the redemption code, from the retailer.
摘要翻译：提供采购系统和方法，其中买方在零售商处占有产品。购买系统可以通过通信网络与买方通信，以便为买方和卖方之间的产品建立第一价格。购买系统还可以安排买方在与卖方不同的零售商处以产品以第二价格出售产品。允许零售商授权买方接管产品的验证信息被传送给零售商。买方根据第一个价格向采购系统提供付款，以换取在零售商处拥有该产品的权利。在一个实施例中，采购系统接收与产品相关的买方报价，包括报价。在另一个实施例中，购买系统向购买者发送包括兑换代码的兑换信息。兑换信息还可以包括能够创建在占有产品时使用的凭证的信息。购买系统还可以接收与买方尝试从零售商接管产品（包括兑换代码）的信息。

9. 发明授权

US08751297B2 Method and apparatus for defining routing of customers between merchants 有权
标题翻译：用于定义商家之间客户路线的方法和装置
公开(公告)号：US08751297B2
公开(公告)日：2014-06-10
申请号：US12111637
申请日：2008-04-29
申请人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
发明人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0231 , G06Q10/06311 , G06Q10/06316 , G06Q20/20 , G06Q20/204 , G06Q20/387 , G06Q30/02 , G06Q30/0201 , G06Q30/0211 , G06Q30/0219 , G06Q30/0235 , G06Q30/0236 , G06Q30/0238 , G06Q30/0239 , G06Q30/0601 , G06Q30/0611 , G06Q40/04 , G07G1/14
摘要： A server or Internet service provider computer selects a soliciting merchant and an outputting merchant based on various factors. In one embodiment, the soliciting merchant is selected is its activity rate (e.g. sales rate) is low. The outputting merchant provides offers for bonuses to customers on behalf of the soliciting merchant. The bonus is provided to the customer in exchange for consummating a transaction with the soliciting merchant. Thus, the soliciting merchant benefits from the increased patronage such offers encourage.
摘要翻译：服务器或因特网服务提供商计算机根据各种因素选择一个招揽商家和一个输出商家。在一个实施例中，所选择的商户是其活动率（例如销售率）低。出货商代表征求商家向客户提供奖金。向客户提供奖金，以换取与征求商家完成交易。因此，征求商人受益于这种提供鼓励的增加的惠顾。

10. 发明授权

US08706632B2 Method and apparatus for processing credit card transactions 有权
标题翻译：处理信用卡交易的方法和设备
公开(公告)号：US08706632B2
公开(公告)日：2014-04-22
申请号：US12791567
申请日：2010-06-01
申请人： Jay S. Walker , Magdalena Mik , Stephen C. Tulley , Daniel E. Tedesco , Andrew S. Van Luchene
发明人： Jay S. Walker , Magdalena Mik , Stephen C. Tulley , Daniel E. Tedesco , Andrew S. Van Luchene
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0222 , G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/387 , G06Q20/40 , G06Q30/0215 , G06Q30/0217 , G06Q30/0224 , G06Q40/00 , G07G1/0036
摘要： Systems and methods are disclosed whereby credit and debit card transactions are processed at a merchant point-of-sale terminal in a manner that provides customers the opportunity to receive one or more charge enhancement offers which are presented to the customer on a record of charge.
摘要翻译：公开了系统和方法，其中在商户销售点终端处理信用卡和借记卡交易，其方式是向客户提供接收一笔或多笔在收费记录上呈现给客户的收费增加优惠的机会。

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