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1. 发明授权

US08177130B2 Spend diagnostics and lead management 有权
标题翻译：支付诊断和牵头管理
公开(公告)号：US08177130B2
公开(公告)日：2012-05-15
申请号：US13039039
申请日：2011-03-02
申请人： Allison M. Romano , Dan Cheung Tat Chan
发明人： Allison M. Romano , Dan Cheung Tat Chan
IPC分类号： G06K5/00
CPC分类号： G06Q30/02 , G06Q40/00 , G06Q40/02
摘要： A method and system are used to optimize utilization of a transaction card by a card member. The system and method including generating a first data set based on data stored in a database representing industries of the card members. Generating a second data set representing an average amount charged to a transaction account by the card members in each respective one of the industries based on the first data set. Comparing the average amount charged from the first generating step to an actual amount charged by each individual one of the card members in a respective one of the industries. Communicating a result of the comparison to the card members. Receiving data from the card members based on their receiving of the comparison result. Storing the data in the database or a lead management device, such that the data is updated.
摘要翻译：使用方法和系统来优化卡成员对交易卡的利用率。该系统和方法包括基于存储在表示卡成员的工业的数据库中的数据生成第一数据集。基于第一数据集，生成代表由各成员行业中的卡成员向交易账户收取的平均金额的第二数据集。将从第一生成步骤收取的平均金额与各个行业中的每个卡片成员所收取的实际金额进行比较。将比较结果与卡成员进行通信。根据接收到的比较结果从卡成员接收数据。将数据存储在数据库或引导管理设备中，使数据更新。

2. 发明申请

US20120203593A1 SPEND DIAGNOSTICS AND LEAD MANAGEMENT 审中-公开
标题翻译：运动诊断和领导管理
公开(公告)号：US20120203593A1
公开(公告)日：2012-08-09
申请号：US13448587
申请日：2012-04-17
申请人： Allison M. Romano , Dan Cheung Tat Chan
发明人： Allison M. Romano , Dan Cheung Tat Chan
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q40/00 , G06Q40/02
摘要： A method and system are used to optimize utilization of a transaction card by a card member. The system and method including generating a first data set based on data stored in a database representing industries of the card members. Generating a second data set representing an average amount charged to a transaction account by the card members in each respective one of the industries based on the first data set. Comparing the average amount charged from the first generating step to an actual amount charged by each individual one of the card members in a respective one of the industries. Communicating a result of the comparison to the card members. Receiving data from the card members based on their receiving of the comparison result. Storing the data in the database or a lead management device, such that the data is updated.
摘要翻译：使用方法和系统来优化卡成员对交易卡的利用率。该系统和方法包括基于存储在表示卡成员的工业的数据库中的数据生成第一数据集。基于第一数据集，生成代表由各成员行业中的卡成员向交易账户收取的平均金额的第二数据集。将从第一生成步骤收取的平均金额与各个行业中的每个卡片成员所收取的实际金额进行比较。将比较结果与卡成员进行通信。根据接收到的比较结果从卡成员接收数据。将数据存储在数据库或引导管理设备中，使数据更新。

3. 发明申请

US20110153340A1 SPEND DIAGNOSTICS AND LEAD MANAGEMENT 有权
标题翻译：运动诊断和领导管理
公开(公告)号：US20110153340A1
公开(公告)日：2011-06-23
申请号：US13039039
申请日：2011-03-02
申请人： Allison M. Romano , Dan Cheung Tat Chan
发明人： Allison M. Romano , Dan Cheung Tat Chan
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q40/00 , G06Q40/02
摘要： A method and system are used to optimize utilization of a transaction card by a card member. The system and method including generating a first data set based on data stored in a database representing industries of the card members. Generating a second data set representing an average amount charged to a transaction account by the card members in each respective one of the industries based on the first data set. Comparing the average amount charged from the first generating step to an actual amount charged by each individual one of the card members in a respective one of the industries. Communicating a result of the comparison to the card members. Receiving data from the card members based on their receiving of the comparison result. Storing the data in the database or a lead management device, such that the data is updated.
摘要翻译：使用方法和系统来优化卡成员对交易卡的利用率。该系统和方法包括基于存储在表示卡成员的工业的数据库中的数据生成第一数据集。基于第一数据集，生成代表由各成员行业中的卡成员向交易账户收取的平均金额的第二数据集。将从第一生成步骤收取的平均金额与各个行业中的每个卡片成员所收取的实际金额进行比较。将比较结果与卡成员进行通信。根据接收到的比较结果从卡成员接收数据。将数据存储在数据库或引导管理设备中，使数据更新。

4. 发明授权

US07913901B2 Spend diagnostics and lead management 有权
标题翻译：支付诊断和牵头管理
公开(公告)号：US07913901B2
公开(公告)日：2011-03-29
申请号：US11634932
申请日：2006-12-07
申请人： Allison M. Romano , Dan Cheung Tat Chan
发明人： Allison M. Romano , Dan Cheung Tat Chan
IPC分类号： G06K5/00 , G07D11/00
CPC分类号： G06Q30/02 , G06Q40/00 , G06Q40/02
摘要： A method and system are used to optimize utilization of a transaction card by a card member. The system and method including generating a first data set based on data stored in a database representing industries of the card members. Generating a second data set representing an average amount charged to a transaction account by the card members in each respective one of the industries based on the first data set. Comparing the average amount charged from the first generating step to an actual amount charged by each individual one of the card members in a respective one of the industries. Communicating a result of the comparison to the card members. Receiving data from the card members based on their receiving of the comparison result. Storing the data in the database or a lead management device, such that the data is updated.
摘要翻译：使用方法和系统来优化卡成员对交易卡的利用率。该系统和方法包括基于存储在表示卡成员的工业的数据库中的数据生成第一数据集。基于第一数据集，生成代表由各成员行业中的卡成员向交易账户收取的平均金额的第二数据集。将从第一生成步骤收取的平均金额与各个行业中的每个卡片成员所收取的实际金额进行比较。将比较结果与卡成员进行通信。根据接收到的比较结果从卡成员接收数据。将数据存储在数据库或引导管理设备中，使数据更新。

5. 发明申请

US20080140505A1 Spend diagnostics and lead management 有权
标题翻译：支付诊断和牵头管理
公开(公告)号：US20080140505A1
公开(公告)日：2008-06-12
申请号：US11634932
申请日：2006-12-07
申请人： Allison M. Romano , Dan Cheung Tat Chan
发明人： Allison M. Romano , Dan Cheung Tat Chan
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q30/02 , G06Q40/00 , G06Q40/02
摘要： A method and system are used to optimize utilization of a transaction card by a card member. The system and method including generating a first data set based on data stored in a database representing industries of the card members. Generating a second data set representing an average amount charged to a transaction account by the card members in each respective one of the industries based on the first data set. Comparing the average amount charged from the first generating step to an actual amount charged by each individual one of the card members in a respective one of the industries. Communicating a result of the comparison to the card members. Receiving data from the card members based on their receiving of the comparison result. Storing the data in the database or a lead management device, such that the data is updated.
摘要翻译：使用方法和系统来优化卡成员对交易卡的利用率。该系统和方法包括基于存储在表示卡成员的工业的数据库中的数据生成第一数据集。基于第一数据集，生成代表由各成员行业中的卡成员向交易账户收取的平均金额的第二数据集。将从第一生成步骤收取的平均金额与各个行业中的每个卡片成员所收取的实际金额进行比较。将比较结果与卡成员进行通信。根据接收到的比较结果从卡成员接收数据。将数据存储在数据库或引导管理设备中，使数据更新。

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