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1. 发明申请

US20080288340A1 SYSTEM AND METHOD FOR PROVIDING A PRE-PAID REBATE CARD 审中-公开
标题翻译：用于提供预付费卡的系统和方法
公开(公告)号：US20080288340A1
公开(公告)日：2008-11-20
申请号：US11748201
申请日：2007-05-14
申请人： Mark Pearson , Kelley Gregory , Cletis D. Hoffer
发明人： Mark Pearson , Kelley Gregory , Cletis D. Hoffer
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0234
摘要： The present invention is a system and method for providing pre-paid rebate cards. The present invention may provide a rebate offer to a consumer in relation to a particular purchase. A consumer may then submit a request for redemption of the rebate. A rebate processing center may, among other rebate processing, validate the request for redemption from the consumer and notify a financial institution of the request. The financial institution may subsequently issue the pre-paid rebate card to the consumer. The financial institution may further fulfill payment obligations upon consumer use of the pre-paid rebate card. The present invention may include a three-party agreement between the merchant, the rebate processing center, and the financial institution. The agreement may also provide for the financial institution to indemnify the merchant and the rebate processing center from at least a portion of the risk and/or loss associated with the present system and method.
摘要翻译：本发明是一种用于提供预付回扣卡的系统和方法。本发明可以向消费者提供与特定购买有关的折扣优惠。消费者可以提交赎回回扣的请求。回扣处理中心可以在消费者的其他回扣处理中验证赎回请求，并向金融机构通知请求。金融机构随后可以向消费者发放预付回扣卡。金融机构可以在消费者使用预付回扣卡时进一步履行付款义务。本发明可以包括商人，回扣处理中心和金融机构之间的三方协议。该协议还可以规定金融机构从与本系统和方法相关的风险和/或损失的至少一部分中赔偿商户和退税处理中心。

2. 发明申请

US20120296719A1 System and Method for Providing a Pre-Paid Rebate Card 审中-公开
标题翻译：提供预付款回扣卡的系统和方法
公开(公告)号：US20120296719A1
公开(公告)日：2012-11-22
申请号：US13293587
申请日：2011-11-10
申请人： Mark Pearson , Kelley Gregory , Cletis D. Hoffer , Joseph Custer
发明人： Mark Pearson , Kelley Gregory , Cletis D. Hoffer , Joseph Custer
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0234
摘要： A system and method for providing pre-paid rebate cards. A rebate offer may be provided to a consumer in relation to a particular purchase. The consumer may then submit a request for redemption of the rebate. A rebate processing center may validate the request for redemption from the consumer and notify a financial institution of the request. The financial institution may subsequently issue the pre-paid rebate card to the consumer. In the case of a reusable rebate card, the financial institution may subsequently add value in the amount of the rebate to a pre-existing reusable rebate card. The financial institution may further fulfill payment obligations upon consumer use of the pre-paid rebate card.
摘要翻译：一种用于提供预付回扣卡的系统和方法。可以向消费者提供与特定购买有关的折扣优惠。消费者随后可以提交赎回回扣的请求。退税处理中心可以验证消费者的赎回请求，并通知金融机构的请求。金融机构随后可以向消费者发放预付回扣卡。在可重复使用的回扣卡的情况下，金融机构随后可以将退税金额增加到预先存在的可重复使用的回扣卡上。金融机构可以在消费者使用预付回扣卡时进一步履行付款义务。

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