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21. 发明授权

US07536349B1 Method and apparatus for processing a charge applied to a financial account 失效
标题翻译：用于处理应用于金融账户的费用的方法和装置
公开(公告)号：US07536349B1
公开(公告)日：2009-05-19
申请号：US09098481
申请日：1998-06-16
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： G06Q40/00 , G06F17/60
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q30/04 , G06Q40/08 , G06Q50/22
摘要： 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：计费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。

22. 发明授权

US07343319B1 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：US07343319B1
公开(公告)日：2008-03-11
申请号：US09350875
申请日：1999-07-09
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： G06Q30/00
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。

23. 发明授权

US07251617B1 Method and apparatus for managing subscriptions 有权
标题翻译：用于管理订阅的方法和装置
公开(公告)号：US07251617B1
公开(公告)日：2007-07-31
申请号：US09538805
申请日：2000-03-30
申请人： Jay S. Walker , Magdalena Mik , James A. Jorasch , Andrew S. Van Luchene , Michiko Kobayashi , Geoffrey M. Gelman , Russell Pratt Sammon , Andrew P. Golden , Adam Stevenson
发明人： Jay S. Walker , Magdalena Mik , James A. Jorasch , Andrew S. Van Luchene , Michiko Kobayashi , Geoffrey M. Gelman , Russell Pratt Sammon , Andrew P. Golden , Adam Stevenson
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/085 , G06Q20/20 , G06Q20/202 , G06Q20/22 , G06Q30/018 , G06Q30/02 , G06Q30/0207 , G06Q30/0224 , G06Q30/0226 , G06Q30/0231 , G06Q30/0236 , G06Q30/0238 , G06Q30/0284 , G06Q30/0601
摘要： A subscription system allows a customer to establish a subscription to a product with any of a number of retailers by establishing the subscription through a controller or central system. In one embodiment, a subscription is established by first receiving information identifying a customer and a product. At least one retailer which offers the product is then identified, and terms of a subscription for the product are established. The established subscription is identified by a redemption identifier which is communicated to the customer. The customer is then able to redeem subscription products at the retailer by identifying the subscription using the redemption identifier.
摘要翻译：订阅系统允许客户通过控制器或中央系统建立订阅来建立与多个零售商中的任一个的产品的订阅。在一个实施例中，通过首先接收识别客户和产品的信息来建立订阅。然后至少提供一个提供产品的零售商，并确定产品的订购条款。已建立的订阅由通信给客户的兑换标识符标识。然后，客户可以通过使用兑换标识符识别订阅来在零售商处兑换订阅产品。

24. 发明授权

US07194423B2 Method and apparatus for determining a progressive discount for a customer based on the frequency of the customer's transactions 有权
标题翻译：用于根据客户的交易频率来确定客户渐进折扣的方法和装置
公开(公告)号：US07194423B2
公开(公告)日：2007-03-20
申请号：US10728226
申请日：2003-12-04
申请人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Dean P. Alderucci
发明人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Dean P. Alderucci
IPC分类号： G06F17/60
CPC分类号： G06Q30/02 , G06Q20/105 , G06Q20/20 , G06Q30/0211 , G06Q30/0235 , G06Q30/0236 , G06Q30/0238 , G06Q30/0269 , G06Q30/0601
摘要： A system and method are disclosed for determining and applying a discount to a customer's transaction. The discount is of a progressive nature, wherein the value of a customer's discount increases if the customer meets the conditions associated with the discount. The system rewards more frequent or profitable customers with benefits such as larger increases in the discount or higher maximum discount than those awarded to less frequent or profitable customers. The discount is decreased or eliminated if the customer fails to meet the conditions associated with the discount.
摘要翻译：公开了用于确定和应用对客户交易的折扣的系统和方法。折扣是渐进式的，其中如果客户满足与折扣相关的条件，则客户的折扣的价值增加。该系统奖励更频繁或有利可图的客户，其优点是比折扣较低或有利可图的客户获得的折扣大幅提高或最高折扣优惠。如果客户不符合与折扣相关的条件，折扣将被减少或消除。

25. 发明授权

US06415262B1 Method and apparatus for determining a subscription to a product in a retail environment 有权
标题翻译：用于确定在零售环境中对产品的订阅的方法和装置
公开(公告)号：US06415262B1
公开(公告)日：2002-07-02
申请号：US09221457
申请日：1998-12-28
申请人： Jay S. Walker , Andrew S. Van Luchene , Deirdre O'Shea , Magdalena Mik
发明人： Jay S. Walker , Andrew S. Van Luchene , Deirdre O'Shea , Magdalena Mik
IPC分类号： G06F1700
CPC分类号： G06Q30/02 , G06Q30/0224 , G06Q30/0226 , G06Q30/0236 , G06Q30/0239 , G06Q30/06
摘要： A method and apparatus for managing a subscription to a product in a retail environment, wherein the product for which a subscription is offered is selected based on the customer's historical purchases. The subscription defines a price for the selected product, wherein the subscription price is lower than the retail price of the product. The subscription specifies conditions which the customer has to meet in order to remain entitled to receive the subscription price for purchases of the product. Such conditions typically include a required frequency of purchases for a required period of time. The conditions of the subscription are selected so as to maximize the customer's visits to the business offering the subscription without unnecessarily eroding the profits of the business.
摘要翻译：一种用于在零售环境中管理对产品的订阅的方法和装置，其中基于客户的历史购买来选择提供订阅的产品。订阅定义了所选产品的价格，其中认购价格低于产品的零售价格。该订阅指定了客户必须满足的条件，以便有权接收购买产品的订阅价格。这些条件通常包括所需时间段内所需的购买频率。选择订阅的条件，以便最大化客户访问提供订阅的业务，而不会不必要地侵蚀业务的利润。

26. 发明授权

US06405174B1 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：US06405174B1
公开(公告)日：2002-06-11
申请号：US09166405
申请日：1998-10-05
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： G06F1760
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.
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，如果其活动率（例如销售率）低，则选择征求商家。出货商代表征求商家向客户提供奖金。向客户提供奖金，以换取与征求商家的交易。因此，征求商人受益于这种提供鼓励的增加的惠顾。

27. 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。

28. 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。

29. 发明授权

US08285591B2 Method and apparatus for managing subscriptions 有权
公开(公告)号：US08285591B2
公开(公告)日：2012-10-09
申请号：US13400406
申请日：2012-02-20
申请人： Jay S. Walker , Magdalena Mik , James A. Jorasch , Andrew S. Van Luchene , Michiko Koyabashi , Geoffrey M. Gelman , Russell P. Sammon , Andrew P. Golden , Adam Stevenson
发明人： Jay S. Walker , Magdalena Mik , James A. Jorasch , Andrew S. Van Luchene , Michiko Koyabashi , Geoffrey M. Gelman , Russell P. Sammon , Andrew P. Golden , Adam Stevenson
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/085 , G06Q20/20 , G06Q20/202 , G06Q20/22 , G06Q30/018 , G06Q30/02 , G06Q30/0207 , G06Q30/0224 , G06Q30/0226 , G06Q30/0231 , G06Q30/0236 , G06Q30/0238 , G06Q30/0284 , G06Q30/0601
摘要： A subscription system allows a customer to establish a subscription to a product with one or more retailers (e.g., by establishing the subscription through a controller or central system). In one embodiment, a subscription may be established after receiving information that identifies a product. Terms of a subscription for the product are established, such as a frequency and a duration of the subscription.

30. 发明授权

US07729988B1 Method and apparatus for processing credit card transactions 失效
标题翻译：处理信用卡交易的方法和设备
公开(公告)号：US07729988B1
公开(公告)日：2010-06-01
申请号：US09316546
申请日：1999-05-21
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 printed record of charge. The charge enhancement offers may indicate either a reduction or an increase in the original purchase total. In a first embodiment, a customer may receive a discount toward a purchase total in exchange for supplying feedback to a merchant in the form of a survey or questionnaire presented on the record of charge. In a second embodiment, the customer is provided the opportunity to receive a discount toward a purchase total by enlisting a third-party service or to purchase a third-party product by completing a section provided on the record of charge. In a third embodiment, the customer may select from at least one additional charge displayed on a record of charge to be added to a transaction total. Such additional charges may represent, for example, a gratuity for a merchant service. In each embodiment, the reduction or increase of original purchase total is provided by a clearinghouse or issuing bank that processes the credit or debit card transaction and confirms the cardholder's acceptance of the charge enhancement offer following completion of the transaction at the point-of-sale terminal.
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在印刷的收费记录上呈现给客户的一个或多个收费增加优惠的机会。收费增加优惠可能表示原始购买总额的减少或增加。在第一实施例中，客户可以收到对购买总额的折扣，以便以在收费记录上呈现的调查或问卷的形式向商家提供反馈。在第二实施例中，向客户提供通过登记第三方服务或通过完成在费用记录上提供的部分来购买第三方产品而向购买总额接收折扣的机会。在第三实施例中，客户可以从要添加到交易总额的费用记录上显示的至少一个附加费用进行选择。这样的附加费用可以表示例如商家服务的酬金。在每个实施例中，原始购买总额的减少或增加由处理信用卡或借记卡交易的结算所或开证行提供，并在销售点完成交易之后确认持卡人接受费用增加报价终奌站。

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