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1. 发明申请

US20120290357A1 IDENTIFYING INDUSTRY SEGMENTS WITH HIGHEST POTENTIAL FOR NEW CUSTOMERS OR NEW SPENDING FOR CURRENT CUSTOMERS 审中-公开
标题翻译：鉴定最新潜力的行业部门，为新客户或新客户提供新的支持
公开(公告)号：US20120290357A1
公开(公告)日：2012-11-15
申请号：US13530900
申请日：2012-06-22
申请人： Eliot R. Hamlisch , Dan Cheung Tat Chan
发明人： Eliot R. Hamlisch , Dan Cheung Tat Chan
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q10/06311 , G06Q30/0202 , G06Q30/0204
摘要： A method and system are used to identify industry segments with highest potential for new customers or new spending for current customers. This includes receiving data, segregated into each of a plurality of industries, relating to a number of small businesses, cost of goods sold for each of the small businesses, and percentage of cost of goods sold that is spent on raw materials and inventory for each of the small businesses. Capturing data, segregated into each of the plurality of industries, relating to average amount charged per current card member, percentage of the current card members charging the raw materials and the inventory, percentage of card member penetration, and total estimated charging for the current card members. Determining which of the plurality of industries or segments are available for a highest potential for new card members.
摘要翻译：一种方法和系统用于确定新客户潜力最大的行业领域或当前客户的新支出。这包括接收与多个小企业相关的数据，分为与小企业有关的数据，每个小企业销售的商品成本以及每个原材料和库存所花费的商品成本百分比的小企业。将数据分成与每个当前卡会员收取的平均金额相关的数据，分配给每个当前卡会员的平均金额，当前卡片会员收取原材料和库存的百分比，卡会员渗透的百分比以及当前卡的总估计收费会员确定多个行业或分部中的哪一个可用于新卡成员的最大潜力。

2. 发明申请

US20110202386A1 IDENTIFYING INDUSTRY SEGMENTS WITH HIGHEST POTENTIAL FOR NEW CUSTOMERS OR NEW SPENDING FOR CURRENT CUSTOMERS 有权
标题翻译：鉴定最新潜力的行业部门，为新客户或新客户提供新的支持
公开(公告)号：US20110202386A1
公开(公告)日：2011-08-18
申请号：US13092837
申请日：2011-04-22
申请人： Eliot R. Hamlisch , Dan Cheung Tat Chan
发明人： Eliot R. Hamlisch , Dan Cheung Tat Chan
IPC分类号： G06Q10/00 , G06Q30/00
CPC分类号： G06Q30/02 , G06Q10/06311 , G06Q30/0202 , G06Q30/0204
摘要： A method and system are used to identify industry segments with highest potential for new customers or new spending for current customers. This includes receiving data, segregated into each of a plurality of industries, relating to a number of small businesses, cost of goods sold for each of the small businesses, and percentage of cost of goods sold that is spent on raw materials and inventory for each of the small businesses. Capturing data, segregated into each of the plurality of industries, relating to average amount charged per current card member, percentage of the current card members charging the raw materials and the inventory, percentage of card member penetration, and total estimated charging for the current card members. Determining which of the plurality of industries or segments of the plurality of the industries are available for a highest potential for new card members or that are available for a greatest amount of incremental increased charging by the current card members. Communicating with the current card members in each of the plurality of industries or segments and receiving data therefrom based on one or more of the previous steps. Communicating with internal and external sources to capture additional industry-specific charging data. Receiving data relating to industry reports and census data. Generating ranked data sets based on the previous steps.
摘要翻译：一种方法和系统用于确定新客户潜力最大的行业领域或当前客户的新支出。这包括接收与多个小企业相关的数据，分为与小企业有关的数据，每个小企业销售的商品成本以及每个原材料和库存所花费的商品成本百分比的小企业。将数据分成与每个当前卡会员收取的平均金额相关的数据，分配给每个当前卡会员的平均金额，当前卡片会员收取原材料和库存的百分比，卡会员渗透的百分比以及当前卡的总估计收费会员确定多个行业的多个行业或部门中的哪些行业可用于新卡成员的最大潜力或者可用于当前卡成员的最大量的增量增加的收费。与多个行业或分段中的每一个中的当前卡成员进行通信，并且基于前面的一个或多个步骤从中接收数据。与内部和外部来源进行通信，以捕获额外的行业特定收费数据。接收有关行业报告和人口普查数据的数据。根据前面的步骤生成排名数据集。

3. 发明授权

US07949543B2 Methods, systems, and computer program products for promoting healthcare information technologies to card members 有权
标题翻译：方法，系统和计算机程序产品，用于向卡成员推广医疗信息技术
公开(公告)号：US07949543B2
公开(公告)日：2011-05-24
申请号：US11674437
申请日：2007-02-13
申请人： Cheung Tat Chan , Andrew L. Gorrin , Nancy E. Hood
发明人： Cheung Tat Chan , Andrew L. Gorrin , Nancy E. Hood
IPC分类号： G06Q10/00 , G06Q50/00
CPC分类号： G06Q30/0217 , G06F19/00 , G06Q30/02 , G06Q30/0229 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： The disclosed methods, systems, and computer-program products allow a credit or charge card issuer to promote healthcare information technology (HIT) products to physician card members that are affiliated with a healthcare organization, such as a preferred-provider organization (PPO). In an embodiment, the PPO endorses at least one HIT product, such as an electronic medical record (EMR), and the PPO identifies the endorsed HIT product to a transactional card provider. The transactional card provider then identifies at least one supplier of the endorsed HIT product and negotiates a discount on the endorsed HIT product when purchased from identified HIT supplier using a financial transaction instrument issued by the transactional card provider. The financial transaction instrument may be provided to the physician card member, who may purchase the endorsed HIT product from the identified supplier at the negotiated discount.
摘要翻译：公开的方法，系统和计算机程序产品允许信用卡或收费卡发行商向医疗保健组织（例如优选提供者组织（PPO））附属的医师卡成员宣传医疗信息技术（HIT）产品。在一个实施例中，PPO批准至少一个HIT产品，例如电子医疗记录（EMR），并且PPO将经认可的HIT产品识别到交易卡提供商。交易卡提供商然后识别至少一个认可的HIT产品的供应商，并且使用由交易卡提供商发行的金融交易工具从所识别的HIT供应商购买时，对所认可的HIT产品进行协商。金融交易工具可以提供给医生卡会员，他们可以按照协商折扣从所识别的供应商购买认可的HIT产品。

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。

6. 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。

7. 发明授权

US07908189B2 System, method, and computer program product for automatically posting transactions associated with a transaction account into a general ledger 有权
标题翻译：系统，方法和计算机程序产品，用于自动将与交易帐户相关联的交易过帐到总帐中
公开(公告)号：US07908189B2
公开(公告)日：2011-03-15
申请号：US11361989
申请日：2006-02-27
申请人： Cheung Tat Chan , Andrew L. Gorrin
发明人： Cheung Tat Chan , Andrew L. Gorrin
IPC分类号： G07B17/00
CPC分类号： G06Q40/02 , G06Q20/14 , G06Q40/00 , G06Q40/12
摘要： A system, method, and computer program product are used to automatically post substantially all transactions associated with a transaction account into a general ledger. Recent transaction data associated with the transaction account is received. The recent transaction data is compared (e.g., matched) to stored and categorized transaction data in the general ledger to determine a new transaction data portion of the recent transaction data. The new transaction data portion is categorized. The categorized new transaction data portion is stored in the general ledger.
摘要翻译：系统，方法和计算机程序产品用于自动将与交易账户相关联的所有交易基本上自动发布到总帐中。接收与交易账户相关联的近期交易数据。将最近的交易数据与总帐中的存储和分类的交易数据进行比较（例如，匹配）以确定最近交易数据的新交易数据部分。新的交易数据部分被分类。分类的新交易数据部分存储在总帐中。

8. 发明申请

US20080195415A1 Methods, Systems, and Computer Program Products for Promoting Healthcare Information Technologies to Card Members 有权
标题翻译：方法，系统和计算机程序产品，促进医疗信息技术到卡会员
公开(公告)号：US20080195415A1
公开(公告)日：2008-08-14
申请号：US11674437
申请日：2007-02-13
申请人： Cheung Tat Chan , Andrew L. Gorrin , Nancy E. Hood
发明人： Cheung Tat Chan , Andrew L. Gorrin , Nancy E. Hood
IPC分类号： G06Q50/00 , G06Q30/00
CPC分类号： G06Q30/0217 , G06F19/00 , G06Q30/02 , G06Q30/0229 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： The disclosed methods, systems, and computer-program products allow a credit or charge card issuer to promote healthcare information technology (HIT) products to physician card members that are affiliated with a healthcare organization, such as a preferred-provider organization (PPO). In an embodiment, the PPO endorses at least one HIT product, such as an electronic medical record (EMR), and the PPO identifies the endorsed HIT product to a transactional card provider. The transactional card provider then identifies at least one supplier of the endorsed HIT product and negotiates a discount on the endorsed HIT product when purchased from identified HIT supplier using a financial transaction instrument issued by the transactional card provider. The financial transaction instrument may be provided to the physician card member, who may purchase the endorsed HIT product from the identified supplier at the negotiated discount.
摘要翻译：公开的方法，系统和计算机程序产品允许信用卡或收费卡发行商向医疗保健组织（例如优选提供者组织（PPO））附属的医师卡成员宣传医疗信息技术（HIT）产品。在一个实施例中，PPO批准至少一个HIT产品，例如电子医疗记录（EMR），并且PPO将经认可的HIT产品识别到交易卡提供商。交易卡提供商然后识别至少一个认可的HIT产品的供应商，并且使用由交易卡提供商发行的金融交易工具从所识别的HIT供应商购买时，对所认可的HIT产品进行协商。金融交易工具可以提供给医生卡会员，他们可以按照协商折扣从所识别的供应商购买认可的HIT产品。

9. 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。

10. 发明授权

US08229783B2 Identifying industry segments with highest potential for new customers or new spending for current customers 有权
标题翻译：确定新客户潜力最大的行业分部或当前客户的新支出
公开(公告)号：US08229783B2
公开(公告)日：2012-07-24
申请号：US13092837
申请日：2011-04-22
申请人： Eliot R. Hamlisch , Dan Cheung Tat Chan
发明人： Eliot R. Hamlisch , Dan Cheung Tat Chan
IPC分类号： G06Q10/00 , G06Q30/00
CPC分类号： G06Q30/02 , G06Q10/06311 , G06Q30/0202 , G06Q30/0204
摘要： A method and system are used to identify industry segments with highest potential for new customers or new spending for current customers. This includes receiving data, segregated into each of a plurality of industries, relating to a number of small businesses, cost of goods sold for each of the small businesses, and percentage of cost of goods sold that is spent on raw materials and inventory for each of the small businesses. Capturing data, segregated into each of the plurality of industries, relating to average amount charged per current card member, percentage of the current card members charging the raw materials and the inventory, percentage of card member penetration, and total estimated charging for the current card members. Determining which of the plurality of industries or segments of the plurality of the industries are available for a highest potential for new card members or that are available for a greatest amount of incremental increased charging by the current card members. Communicating with the current card members in each of the plurality of industries or segments and receiving data therefrom based on one or more of the previous steps. Communicating with internal and external sources to capture additional industry-specific charging data. Receiving data relating to industry reports and census data. Generating ranked data sets based on the previous steps.
摘要翻译：一种方法和系统用于确定新客户潜力最大的行业领域或当前客户的新支出。这包括接收与多个小企业相关的数据，分为与小企业有关的数据，每个小企业销售的商品成本以及每个原材料和库存所花费的商品成本百分比的小企业。将数据分成与每个当前卡会员收取的平均金额相关的数据，分配给每个当前卡会员的平均金额，当前卡片会员收取原材料和库存的百分比，卡会员渗透的百分比以及当前卡的总估计收费会员确定多个行业的多个行业或部门中的哪些行业可用于新卡成员的最大潜力或者可用于当前卡成员的最大量的增量增加的收费。与多个行业或分段中的每一个中的当前卡成员进行通信，并且基于前面的一个或多个步骤从中接收数据。与内部和外部来源进行通信，以捕获额外的行业特定收费数据。接收有关行业报告和人口普查数据的数据。根据前面的步骤生成排名数据集。

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