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1. 发明授权

US09031859B2 Rebate automation 有权
标题翻译：回扣自动化
公开(公告)号：US09031859B2
公开(公告)日：2015-05-12
申请号：US12784324
申请日：2010-05-20
申请人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
发明人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
IPC分类号： G06Q30/00 , G06Q20/20 , G06Q20/04 , G06Q20/38 , G06Q30/02
CPC分类号： G06Q20/20 , G06Q20/04 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0225 , G06Q30/0234 , G06Q30/0238
摘要： A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.
摘要翻译：计算机接收信息，该信息用于授权商家向在帐户持有人的消费者帐户进行的交易中的帐户持有者销售产品的交易。当计算机确认交易被授权并且交易发生在与产品相关联的折扣的预定时间段内以及相应的赞助商在财务上负责回扣时，计算机将该回扣借记到赞助商的帐户，以及：（i）在销售点作为商户的折扣给予账户持有人; 或（ii）记入发行人向账户持有人发行的账户。

2. 发明授权

US08781896B2 Systems and methods to optimize media presentations 有权
标题翻译：优化媒体演示的系统和方法
公开(公告)号：US08781896B2
公开(公告)日：2014-07-15
申请号：US13171282
申请日：2011-06-28
申请人： Diane LeBlanc , Diane C. Salmon
发明人： Diane LeBlanc , Diane C. Salmon
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0255 , G06Q30/02
摘要： In one aspect, a computing apparatus is configured to profile the spending distribution of users who have made purchases from a merchant and who have paid for the purchases via a transaction handler (e.g., using credit cards, debit cards, prepaid cards). The spending distribution is determined based on transaction data of the users, where the transaction data records the transactions of the users for purchases from various merchants. The spending distribution is profiled to indicate the preference of the customers of the merchant as a whole and thus can be used to customize the ratio of media content provided to the customers of the merchant, such as the presentation ratio of advertisements from different merchants, or from merchants of different categories.
摘要翻译：一方面，一种计算装置被配置为描绘从商家进行购买并且已经通过交易处理器（例如使用信用卡，借记卡，预付卡）支付购买的用户的支出分配。支出分配是基于用户的交易数据确定的，其中交易数据记录用户从各种商家进行购买的交易。消费分配被分析以表明商家的整体的偏好，因此可以用于定制提供给商家的客户的媒体内容的比例，例如来自不同商家的广告的呈现比率，或者来自不同类别的商家。

3. 发明授权

US08744906B2 Systems and methods for targeted advertisement delivery 有权
标题翻译：针对广告投放的系统和方法
公开(公告)号：US08744906B2
公开(公告)日：2014-06-03
申请号：US13221745
申请日：2011-08-30
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , James Alan VonDerheide , Diane C. Salmon
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , James Alan VonDerheide , Diane C. Salmon
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0255 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service.
摘要翻译：在一个方面，一种计算设备被配置为接收对简档的请求以自定义用于呈现给在该请求中标识的用户的信息，并且响应于该标识该用户的请求，提供基于该事件数据生成的简档用户。该简档利用代表多个区域中的汇总支出的多个值汇总用户的交易数据。该信息包括基于简档选择，优先，调整或生成的广告。该广告至少包括优惠，如折扣，奖励，奖励，优惠券，礼品，现金回赠，优惠，产品或服务。

4. 发明申请

US20110035278A1 Systems and Methods for Closing the Loop between Online Activities and Offline Purchases 审中-公开
标题翻译：关闭在线活动和离线购买之间的循环的系统和方法
公开(公告)号：US20110035278A1
公开(公告)日：2011-02-10
申请号：US12849789
申请日：2010-08-03
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0235 , G06Q30/0238 , G06Q30/0251 , G06Q30/0256 , G06Q30/0267 , G06Q30/0268 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.
摘要翻译：在一个方面，一种计算设备被配置为便于识别由在基本上分离的上下文或环境中发生的活动而导致的事务，诸如由在线广告产生的“实体”零售商店中的离线交易在线搜索计算装置可以将关于活动的信息和关于事务的信息相关联以使在线活动和离线交易相关联。匹配过程可能涉及使用折扣优惠，奖励，回扣，奖励，奖励积分，现金回赠，礼物等。该优惠将在与在线活动相关联的广告中提供并被赎回在通过交易处理程序处理的支付交易中，将广告和交易相关联。

5. 发明授权

US09031860B2 Systems and methods to aggregate demand 有权
标题翻译：统计需求的系统和方法
公开(公告)号：US09031860B2
公开(公告)日：2015-05-12
申请号：US12900440
申请日：2010-10-07
申请人： Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide , Edward W. Fordyce, III , Leigh Amaro
发明人： Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide , Edward W. Fordyce, III , Leigh Amaro
IPC分类号： G06Q30/00 , G06Q20/40 , G06Q20/10 , G06Q30/02
CPC分类号： G06Q30/02 , G06Q10/087 , G06Q20/10 , G06Q20/387 , G06Q20/40 , G06Q30/0207 , G06Q30/0215 , G06Q30/0222 , G06Q30/0231
摘要： In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.
摘要翻译：一方面，一种计算设备包括：数据仓库，用于存储将多个帐户标识符与具有预定购买要求的报价相关联的数据和用于获益的聚合购买要求; 以及配置为处理多个事务的事务处理程序。交易处理器还被配置为确定多个交易中的每一个是否满足预定义的购买要求，识别满足预定购买要求的一组交易，并且确定该组交易是否满足该利益的聚合购买要求。在一个示例中，事务处理程序被配置为当该组事务满足聚合购买要求时通过语句信用来提供收益。

6. 发明授权

US08626579B2 Systems and methods for closing the loop between online activities and offline purchases 有权
标题翻译：关闭在线活动和离线购买之间的循环的系统和方法
公开(公告)号：US08626579B2
公开(公告)日：2014-01-07
申请号：US13221632
申请日：2011-08-30
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0235 , G06Q30/0238 , G06Q30/0251 , G06Q30/0256 , G06Q30/0267 , G06Q30/0268 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.
摘要翻译：在一个方面，一种计算设备被配置为便于识别由在基本上分离的上下文或环境中发生的活动而导致的事务，诸如由在线广告产生的“实体”零售商店中的离线交易在线搜索计算装置可以将关于活动的信息和关于事务的信息相关联以使在线活动和离线交易相关联。匹配过程可能涉及使用折扣优惠，奖励，回扣，奖励，奖励积分，现金回赠，礼物等。该优惠将在与在线活动相关联的广告中提供并被赎回在通过交易处理程序处理的支付交易中，将广告和交易相关联。

7. 发明申请

US20110302039A1 Systems and Methods for Targeted Advertisement Delivery 有权
标题翻译：针对广告投放的系统和方法
公开(公告)号：US20110302039A1
公开(公告)日：2011-12-08
申请号：US13221745
申请日：2011-08-30
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , James Alan VonDerheide , Diane C. Salmon
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , James Alan VonDerheide , Diane C. Salmon
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0255 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service.
摘要翻译：在一个方面，一种计算设备被配置为接收对简档的请求以自定义用于呈现给在该请求中标识的用户的信息，并且响应于该标识该用户的请求，提供基于该事件数据生成的简档用户。该简档利用代表多个区域中的汇总支出的多个值汇总用户的交易数据。该信息包括基于简档选择，优先，调整或生成的广告。该广告至少包括优惠，如折扣，奖励，奖励，优惠券，礼品，现金回赠，优惠，产品或服务。

8. 发明申请

US20110087531A1 Systems and Methods to Aggregate Demand 有权
标题翻译：系统和方法来总结需求
公开(公告)号：US20110087531A1
公开(公告)日：2011-04-14
申请号：US12900440
申请日：2010-10-07
申请人： Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide , Edward W. Fordyce, III , Leigh Amaro
发明人： Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide , Edward W. Fordyce, III , Leigh Amaro
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q30/02 , G06Q10/087 , G06Q20/10 , G06Q20/387 , G06Q20/40 , G06Q30/0207 , G06Q30/0215 , G06Q30/0222 , G06Q30/0231
摘要： In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.
摘要翻译：一方面，一种计算设备包括：数据仓库，用于存储将多个帐户标识符与具有预定购买要求的报价相关联的数据和用于获益的聚合购买要求; 以及配置为处理多个事务的事务处理程序。交易处理器还被配置为确定多个交易中的每一个是否满足预定义的购买要求，识别满足预定购买要求的一组交易，并且确定该组交易是否满足该利益的聚合购买要求。在一个示例中，事务处理程序被配置为当该组事务满足聚合购买要求时通过语句信用来提供收益。

9. 发明申请

US20110066483A1 REBATE AUTOMATION 有权
标题翻译： REBATE自动化
公开(公告)号：US20110066483A1
公开(公告)日：2011-03-17
申请号：US12784324
申请日：2010-05-20
申请人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
发明人： Diane C. Salmon , James Alan VonDerheide , Edward W. Fordyce, III , David Chauncey Shepard , Gregory Michael Adams , Laura DiGioacchino
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/04 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0225 , G06Q30/0234 , G06Q30/0238
摘要： A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.
摘要翻译：计算机接收信息，该信息用于授权商家向在帐户持有人的消费者帐户进行的交易中的帐户持有者销售产品的交易。当计算机确认交易被授权并且交易发生在与产品相关联的折扣的预定时间段内以及相应的赞助商在财务上负责回扣时，计算机将该回扣借记到赞助商的帐户，以及：（i）在销售点作为商户的折扣给予账户持有人; 或（ii）记入发行人向账户持有人发行的账户。

10. 发明申请

US20110302022A1 Systems and Methods for Closing the Loop between Online Activities and Offline Purchases 有权
公开(公告)号：US20110302022A1
公开(公告)日：2011-12-08
申请号：US13221632
申请日：2011-08-30
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0235 , G06Q30/0238 , G06Q30/0251 , G06Q30/0256 , G06Q30/0267 , G06Q30/0268 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.

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