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1. 发明申请

US20080059307A1 LOYALTY PROGRAM PARAMETER COLLABORATION 审中-公开
标题翻译： LOYALTY程序参数协调
公开(公告)号：US20080059307A1
公开(公告)日：2008-03-06
申请号：US11848179
申请日：2007-08-30
申请人： Edward Fordyce III , Karteek Patel , Sarah Suarez , David Shepard
发明人： Edward Fordyce III , Karteek Patel , Sarah Suarez , David Shepard
IPC分类号： G06Q30/00
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.
摘要翻译：合作成员协作在交易处理系统中开发忠诚度计划。传播给合作三方成员的传播是由包含忠诚度计划建议参数的合作成员组成并收到的。确定一组剩余协作组成部分同意的忠诚计划的至少一个剩余参数。形成了另一个传输，其中包括剩余协作组成部分中的每个合作组成部分，另一传输包括忠诚度计划的剩余参数。

2. 发明申请

US20070055597A1 Method and system for manipulating purchase information 审中-公开
标题翻译：操纵采购信息的方法和系统
公开(公告)号：US20070055597A1
公开(公告)日：2007-03-08
申请号：US11378215
申请日：2006-03-16
申请人： Karteek Patel , Peter Ciurea , Sarah Suarez
发明人： Karteek Patel , Peter Ciurea , Sarah Suarez
IPC分类号： G06Q40/00 , G07G1/00
CPC分类号： G06Q30/06 , G06Q30/0206 , G06Q40/00
摘要： A method and system for generating customized categories for financial transaction reports associated with portable consumer devices is disclosed. In one embodiment, a financial transaction reporting system is configured to track and output a user's financial transactions associated with the user's portable consumer device for both credit and debit transactions. The system and method automatically assigns financial transactions associated with their credit and/or debit cards with a transaction category such as business, travel, meals and entertainment, etc. based on predefined and/or user-defined merchant categorization codes. The user on a server is provided with the capability to customize the merchant categorization codes and the content of reports derived from the user's financial transactions. The user may customize the report content to specific transaction categories, sub-categories, and time periods.
摘要翻译：公开了一种用于生成与便携式消费者设备相关联的金融交易报告的定制类别的方法和系统。在一个实施例中，金融交易报告系统被配置为跟踪和输出与用户的便携式消费者设备相关联的用户信用和借记交易的用户金融交易。系统和方法基于预定义和/或用户定义的商家分类代码，自动将与其信用卡和/或借记卡相关联的金融交易分配给诸如商业，旅游，餐饮和娱乐等交易类别。服务器上的用户被提供了定制商家分类代码和从用户的金融交易导出的报告的内容的能力。用户可以将报告内容定制到特定的交易类别，子类别和时间段。

3. 发明申请

US20100114760A1 ONLINE INTERACTIVE ISSUED ACCOUNT ACQUIRED TRANSACTION INFORMATION MANAGEMENT 审中-公开
标题翻译：在线互动发行账户所得交易信息管理
公开(公告)号：US20100114760A1
公开(公告)日：2010-05-06
申请号：US12534800
申请日：2009-08-03
申请人： Raj Sundarasen , Ramki Rosanuru , Srini Reddi , Sharon North , Heide Ulrich , Peter Ciurea , Karteek Patel , Sarah Suarez , Alistair Duncan , Pat Stan , Tim Ural
发明人： Raj Sundarasen , Ramki Rosanuru , Srini Reddi , Sharon North , Heide Ulrich , Peter Ciurea , Karteek Patel , Sarah Suarez , Alistair Duncan , Pat Stan , Tim Ural
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/04 , G06Q20/10 , G06Q20/20
摘要： A single point of access and an integrated user experience for a set of tools are provided for a payment processing system that includes a transaction handler in communication with issuers and acquirers for the processing of payments from the issuers to the acquirers. The tools include: (i) commercial reporting; (ii) expense management; and (iii) account program management tools that are used by (a) issuers who issue the accounts for the cards to account holders and by (b) the account holders. Multiples services are integrated as relevant to specific audiences through an entitlement process, where a single point access is allowed. Applications, which can be developed and/or hosted independently, are accessible through a common interface.
摘要翻译：为一种支付处理系统提供单一访问点和综合用户体验，支付处理系统包括与发行者和收单方通信的交易处理程序，用于处理从发行人到收单方的付款。这些工具包括：（i）商业报告; （ii）费用管理; （iii）由（a）发行人向账户持有人发行账户的发行人和（b）账户持有人使用的账户管理工具。通过允许单点访问的授权过程将多个服务集成到特定受众的相关内容中。可以通过公共接口访问可以独立开发和/或托管的应用程序。

4. 发明申请

US20070088629A1 Integrated electronic shopping cart system and method 审中-公开
标题翻译：集成电子购物车系统及方法
公开(公告)号：US20070088629A1
公开(公告)日：2007-04-19
申请号：US11639066
申请日：2006-12-13
申请人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
发明人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
IPC分类号： G06F17/30
CPC分类号： G06Q30/06 , G06Q30/0601 , G06Q30/0621 , G06Q30/0633 , G06Q30/0635 , G06Q30/0641 , G06Q30/0643
摘要： Integrated shopping cart functionality is provided on a first website so that products/services from different affiliated websites can be integrated into the shopping cart at the first website and the e-commerce functionality of the first website can be utilized to purchase the selected products/services. A framework for integrating this functionality enables the first website to integrate with affiliated websites so that an increased number of users may access the first website since the proprietor of the first website may offer various products/services from a multitude of different affiliated websites, for example by providing URL links to the affiliated websites that a user may access in order to select items from the affiliated websites. These items can be integrated into the shopping cart at the first website and purchased with a single transaction. Increased user traffic is expected at the first website since a user's shopping interests can be fulfilled at a single website. Additionally, affiliated websites are benefited by this integrated shopping cart functionality since the e-commerce functionality of the integrated shopping cart is performed by a server that is associated with the first website. Therefore, affiliated websites need not include their own e-commerce functionality. Instead, they may take advantage of the e-commerce functionality of the first website and still receive the benefits of the sale of their offered products/services to the user. Maintenance costs and overhead costs with respect to including an e-commerce software engine are therefore reduced and often eliminated as a result.
摘要翻译：在第一网站上提供集成购物车功能，使得来自不同附属网站的产品/服务可以被集成到第一网站的购物车中，并且可以利用第一网站的电子商务功能来购买所选择的产品/服务。集成此功能的框架使第一个网站能够与附属网站集成，以便增加数量的用户可以访问第一个网站，因为第一个网站的所有者可能会从多个不同的附属网站提供各种产品/服务，例如通过向用户可以访问的附属网站提供URL链接，以便从附属网站中选择项目。这些项目可以在第一个网站上集成到购物车中，并通过单一交易进行购买。预期在第一个网站上增加用户流量，因为用户的购物兴趣可以在单个网站上实现。此外，由于综合购物车的电子商务功能由与第一网站相关联的服务器执行，所以附属网站受益于该综合购物车功能。因此，附属网站不需要包含自己的电子商务功能。相反，他们可能会利用第一个网站的电子商务功能，仍然可以向用户收取他们提供的产品/服务的销售收益。因此，包括电子商务软件引擎在内的维护成本和间接费用因此减少并经常被消除。

5. 发明申请

US20100205068A1 Integrated electronic shopping cart system and method 审中-公开
标题翻译：集成电子购物车系统及方法
公开(公告)号：US20100205068A1
公开(公告)日：2010-08-12
申请号：US12589861
申请日：2009-10-29
申请人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
发明人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
IPC分类号： G06Q30/00
CPC分类号： G06Q30/06 , G06Q30/0601 , G06Q30/0621 , G06Q30/0633 , G06Q30/0635 , G06Q30/0641 , G06Q30/0643
摘要： Integrated shopping cart functionality is provided on a first website so that products/services from different affiliated websites can be integrated into the shopping cart at the first website and the e-commerce functionality of the first website can be utilized to purchase the selected products/services. A framework for integrating this functionality enables the first website to integrate with affiliated websites so that an increased number of users may access the first website since the proprietor of the first website may offer various products/services from a multitude of different affiliated websites, for example by providing URL links to the affiliated websites that a user may access in order to select items from the affiliated websites. These items can be integrated into the shopping cart at the first website and purchased with a single transaction. Increased user traffic is expected at the first website since a user's shopping interests can be fulfilled at a single website. Additionally, affiliated websites are benefited by this integrated shopping cart functionality since the e-commerce functionality of the integrated shopping cart is performed by a server that is associated with the first website. Therefore, affiliated websites need not include their own e-commerce functionality. Instead, they may take advantage of the e-commerce functionality of the first website and still receive the benefits of the sale of their offered products/services to the user. Maintenance costs and overhead costs with respect to including an e-commerce software engine are therefore reduced and often eliminated as a result.
摘要翻译：在第一网站上提供集成购物车功能，使得来自不同附属网站的产品/服务可以被集成到第一网站的购物车中，并且可以利用第一网站的电子商务功能来购买所选择的产品/服务。集成此功能的框架使第一个网站能够与附属网站集成，以便增加数量的用户可以访问第一个网站，因为第一个网站的所有者可能会从多个不同的附属网站提供各种产品/服务，例如通过向用户可以访问的附属网站提供URL链接，以便从附属网站中选择项目。这些项目可以在第一个网站上集成到购物车中，并通过单一交易进行购买。预期在第一个网站上增加用户流量，因为用户的购物兴趣可以在单个网站上实现。此外，由于综合购物车的电子商务功能由与第一网站相关联的服务器执行，所以附属网站受益于该综合购物车功能。因此，附属网站不需要包含自己的电子商务功能。相反，他们可能会利用第一个网站的电子商务功能，仍然可以向用户收取他们提供的产品/服务的销售收益。因此，包括电子商务软件引擎在内的维护成本和间接费用因此减少并经常被消除。

6. 发明授权

US07287003B2 Integrated electronic shopping cart system and method 有权
公开(公告)号：US07287003B2
公开(公告)日：2007-10-23
申请号：US09872514
申请日：2001-06-01
申请人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
发明人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
IPC分类号： G06Q30/00
CPC分类号： G06Q30/06 , G06Q30/0601 , G06Q30/0621 , G06Q30/0633 , G06Q30/0635 , G06Q30/0641 , G06Q30/0643
摘要： Integrated shopping cart functionality is provided on a first website so that products/services from different affiliated websites can be integrated into the shopping cart at the first website and the e-commerce functionality of the first website can be utilized to purchase the selected products/services. A framework for integrating this functionality enables the first website to integrate with affiliated websites so that an increased number of users may access the first website since the proprietor of the first website may offer various products/services from a multitude of different affiliated websites, for example by providing URL links to the affiliated websites that a user may access in order to select items from the affiliated websites. These items can be integrated into the shopping cart at the first website and purchased with a single transaction. Increased user traffic is expected at the first website since a user's shopping interests can be fulfilled at a single website. Additionally, affiliated websites are benefited by this integrated shopping cart functionality since the e-commerce functionality of the integrated shopping cart is performed by a server that is associated with the first website. Therefore, affiliated websites need not include their own e-commerce functionality. Instead, they may take advantage of the e-commerce functionality of the first website and still receive the benefits of the sale of their offered products/services to the user. Maintenance costs and overhead costs with respect to including an e-commerce software engine are therefore reduced and often eliminated as a result.

7. 发明申请

US20080071646A1 Integrated electronic shopping cart system and method 审中-公开
标题翻译：集成电子购物车系统及方法
公开(公告)号：US20080071646A1
公开(公告)日：2008-03-20
申请号：US11900258
申请日：2007-09-10
申请人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
发明人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
IPC分类号： G06Q30/00 , G06F17/00
CPC分类号： G06Q30/06 , G06Q30/0601 , G06Q30/0621 , G06Q30/0633 , G06Q30/0635 , G06Q30/0641 , G06Q30/0643
摘要： Integrated shopping cart functionality is provided on a first website so that products/services from different affiliated websites can be integrated into the shopping cart at the first website and the e-commerce functionality of the first website can be utilized to purchase the selected products/services. A framework for integrating this functionality enables the first website to integrate with affiliated websites so that an increased number of users may access the first website since the proprietor of the first website may offer various products/services from a multitude of different affiliated websites, for example by providing URL links to the affiliated websites that a user may access in order to select items from the affiliated websites. These items can be integrated into the shopping cart at the first website and purchased with a single transaction. Increased user traffic is expected at the first website since a user's shopping interests can be fulfilled at a single website. Additionally, affiliated websites are benefited by this integrated shopping cart functionality since the e-commerce functionality of the integrated shopping cart is performed by a server that is associated with the first website. Therefore, affiliated websites need not include their own e-commerce functionality. Instead, they may take advantage of the e-commerce functionality of the first website and still receive the benefits of the sale of their offered products/services to the user. Maintenance costs and overhead costs with respect to including an e-commerce software engine are therefore reduced and often eliminated as a result.
摘要翻译：在第一网站上提供集成购物车功能，使得来自不同附属网站的产品/服务可以被集成到第一网站的购物车中，并且可以利用第一网站的电子商务功能来购买所选择的产品/服务。集成此功能的框架使第一个网站能够与附属网站集成，以便增加数量的用户可以访问第一个网站，因为第一个网站的所有者可能会从多个不同的附属网站提供各种产品/服务，例如通过向用户可以访问的附属网站提供URL链接，以便从附属网站中选择项目。这些项目可以在第一个网站上集成到购物车中，并通过单一交易进行购买。预期在第一个网站上增加用户流量，因为用户的购物兴趣可以在单个网站上实现。此外，由于综合购物车的电子商务功能由与第一网站相关联的服务器执行，所以附属网站受益于该综合购物车功能。因此，附属网站不需要包含自己的电子商务功能。相反，他们可能会利用第一个网站的电子商务功能，仍然可以向用户收取他们提供的产品/服务的销售收益。因此，包括电子商务软件引擎在内的维护成本和间接费用因此减少并经常被消除。

8. 发明申请

US20070094099A1 Integrated electronic shopping cart system and method 审中-公开
公开(公告)号：US20070094099A1
公开(公告)日：2007-04-26
申请号：US11640250
申请日：2006-12-13
申请人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
发明人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
IPC分类号： G06F17/30
CPC分类号： G06Q30/06 , G06Q30/0601 , G06Q30/0621 , G06Q30/0633 , G06Q30/0635 , G06Q30/0641 , G06Q30/0643
摘要： Integrated shopping cart functionality is provided on a first website so that products/services from different affiliated websites can be integrated into the shopping cart at the first website and the e-commerce functionality of the first website can be utilized to purchase the selected products/services. A framework for integrating this functionality enables the first website to integrate with affiliated websites so that an increased number of users may access the first website since the proprietor of the first website may offer various products/services from a multitude of different affiliated websites, for example by providing URL links to the affiliated websites that a user may access in order to select items from the affiliated websites. These items can be integrated into the shopping cart at the first website and purchased with a single transaction. Increased user traffic is expected at the first website since a user's shopping interests can be fulfilled at a single website. Additionally, affiliated websites are benefited by this integrated shopping cart functionality since the e-commerce functionality of the integrated shopping cart is performed by a server that is associated with the first website. Therefore, affiliated websites need not include their own e-commerce functionality. Instead, they may take advantage of the e-commerce functionality of the first website and still receive the benefits of the sale of their offered products/services to the user. Maintenance costs and overhead costs with respect to including an e-commerce software engine are therefore reduced and often eliminated as a result.

9. 发明申请

US20110087547A1 Systems and Methods for Advertising Services Based on a Local Profile 审中-公开
标题翻译：基于本地档案的广告服务系统与方法
公开(公告)号：US20110087547A1
公开(公告)日：2011-04-14
申请号：US12877015
申请日：2010-09-07
申请人： Leigh Amaro , Joe Cunningham , Jack Yang , Karteek Patel , Edward W. Fordyce, III , Robert Eng , Uzma Makhdumi , Charles Raymond Byce , Michelle Eng Winters
发明人： Leigh Amaro , Joe Cunningham , Jack Yang , Karteek Patel , Edward W. Fordyce, III , Robert Eng , Uzma Makhdumi , Charles Raymond Byce , Michelle Eng Winters
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0255
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording the transactions processed at the transaction handler; a profile generator to generate, based on the transaction data, a profile including a plurality of values representing aggregated spending in various spending areas to summarize transactions in a geographical area; and a portal to receive advertisement data from an advertiser and to create an advertisement campaign based on the profile to deliver advertisements to users in the geographical area on behalf of the advertiser using one or more media channels.
摘要翻译：一方面，一种计算装置包括：处理事务的事务处理程序; 数据仓库，用于存储记录在事务处理程序处理的事务的事务数据; 简档生成器，用于基于交易数据生成包括表示各个支出区域中的汇总支出的多个值的简档，以概括地理区域中的交易; 以及门户，用于从广告商接收广告数据，并且基于所述简档创建广告活动，以使用一个或多个媒体渠道代表所述广告商向所述地理区域中的用户传送广告。

10. 发明申请

US20100205069A1 Integrated Electronic Shopping Cart System And Method 审中-公开
标题翻译：综合电子购物车系统与方法
公开(公告)号：US20100205069A1
公开(公告)日：2010-08-12
申请号：US12622315
申请日：2009-11-19
申请人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
发明人： David Hodson , Ryan Bell , Michael Rubin , Karteek Patel
IPC分类号： G06Q30/00 , G06Q50/00 , G06F3/048 , G06F3/01 , G06F15/16
CPC分类号： G06Q30/06 , G06Q30/0601 , G06Q30/0621 , G06Q30/0633 , G06Q30/0635 , G06Q30/0641 , G06Q30/0643
摘要： Integrated shopping cart functionality is provided on a first website so that products/services from different affiliated websites can be integrated into the shopping cart at the first website and the e-commerce functionality of the first website can be utilized to purchase the selected products/services. A framework for integrating this functionality enables the first website to integrate with affiliated websites so that an increased number of users may access the first website since the proprietor of the first website may offer various products/services from a multitude of different affiliated websites, for example by providing URL links to the affiliated websites that a user may access in order to select items from the affiliated websites. These items can be integrated into the shopping cart at the first website and purchased with a single transaction. Increased user traffic is expected at the first website since a user's shopping interests can be fulfilled at a single website. Additionally, affiliated websites are benefited by this integrated shopping cart functionality since the e-commerce functionality of the integrated shopping cart is performed by a server that is associated with the first website. Therefore, affiliated websites need not include their own e-commerce functionality. Instead, they may take advantage of the e-commerce functionality of the first website and still receive the benefits of the sale of their offered products/services to the user. Maintenance costs and overhead costs with respect to including an e-commerce software engine are therefore reduced and often eliminated as a result.
摘要翻译：在第一网站上提供集成购物车功能，使得来自不同附属网站的产品/服务可以被集成到第一网站的购物车中，并且可以利用第一网站的电子商务功能来购买所选择的产品/服务。集成此功能的框架使第一个网站能够与附属网站集成，以便增加数量的用户可以访问第一个网站，因为第一个网站的所有者可能会从多个不同的附属网站提供各种产品/服务，例如通过向用户可以访问的附属网站提供URL链接，以便从附属网站中选择项目。这些项目可以在第一个网站上集成到购物车中，并通过单一交易进行购买。预期在第一个网站上增加用户流量，因为用户的购物兴趣可以在单个网站上实现。此外，由于综合购物车的电子商务功能由与第一网站相关联的服务器执行，所以附属网站受益于该综合购物车功能。因此，附属网站不需要包含自己的电子商务功能。相反，他们可能会利用第一个网站的电子商务功能，仍然可以向用户收取他们提供的产品/服务的销售收益。因此，包括电子商务软件引擎在内的维护成本和间接费用因此减少并经常被消除。

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