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1. 发明申请

WO2013063325A2 SYSTEM AND METHOD FOR COLLECTING AND DISBURSING ELECTRONIC GRATUITIES 审中-公开
标题翻译：收集和发布电子资料的系统和方法
公开(公告)号：WO2013063325A2
公开(公告)日：2013-05-02
申请号：PCT/US2012/061998
申请日：2012-10-25
申请人： KESSLER, Ryder , KESSLER, Judd , BAR AM, Jordan
发明人： KESSLER, Ryder , KESSLER, Judd , BAR AM, Jordan
IPC分类号： G06Q20/22
CPC分类号： G07F7/0886 , G06Q20/0655 , G06Q20/10 , G06Q20/108 , G06Q20/20 , G06Q20/24 , G06Q30/0279 , G06Q40/125 , G07F7/08 , G07F19/00 , G07G1/12 , G07G1/14
摘要： The present invention relates to systems and methods for collecting and disbursing electronic gratuities. According to one embodiment, a device for submitting gratuities by credit card is provided at a place of business or other appropriate location. A method of using this device is disclosed, whereby consumers pay a predetermined or adjustable gratuity amount by inserting a credit card into the device. According to another embodiment, technological infrastructure is provided to transmit encrypted payment information such that the acquiring bank of the device provider obtains authorization for gratuity transactions conducted using the device. The acquiring bank is thus enabled to credit the device provider's merchant account or disbursal accounts with electronic gratuity payments less acquisition fees. According to another embodiment, a method of disbursing gratuity shares to employees of the business is provided, wherein processing fees are collected by the device provider.
摘要翻译：本发明涉及收集和发放电子小费的系统和方法。根据一个实施例，在营业场所或其他适当位置提供用于通过信用卡提交小费的装置。公开了一种使用该装置的方法，其中消费者通过将信用卡插入设备来支付预定的或可调整的小费金额。根据另一实施例，提供技术基础设施来传送加密的支付信息，使得设备提供商的获取银行获得使用该设备进行的酬金交易的授权。因此，收单银行能够向设备供应商的商家帐户或发放账户借记电子费用减去购置费用。根据另一实施例，提供了一种将酬金份额分配给业务的雇员的方法，其中处理费用由设备提供商收集。

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