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1. 发明申请

US20070203793A1 SYSTEM AND METHOD FOR PROVIDING A FUEL PURCHASE INCENTIVE WITH THE SALE OF A VEHICLE 审中-公开
标题翻译：提供燃料购买激励的系统和方法，销售车辆
公开(公告)号：US20070203793A1
公开(公告)日：2007-08-30
申请号：US11733118
申请日：2007-04-09
申请人： Richard Hajdukiewicz , James Riley , John Squires
发明人： Richard Hajdukiewicz , James Riley , John Squires
IPC分类号： G06Q30/00 , G06F17/00
CPC分类号： G06Q30/02 , G06Q20/20 , G06Q30/0215 , G06Q30/0224 , G06Q30/0234 , G06Q30/0235 , G06Q30/0283 , G06Q50/06
摘要： A fuel purchase incentive is provided incident to the sale of a vehicle. With respect to the sale of an automobile, the incentive consists of a program price, for example a discount price or a capped maximum price, for a specified quantity of a specified brand and type of gasoline. The incentive is calculated as a function of the anticipated fuel use factors of the automobile buyer. The incentive information is provided to the buyer at the time of purchase of the automobile and stored for use by an incentive program operator. When the buyer purchases gasoline pursuant to the incentive program, the buyer recognizes the program price through the provision of a rebate, credit, real-time discount or other appropriate mechanism. Program sponsors may participate in the fuel incentive program, for example providing a payment(s) to the program operator in exchange for establishing a relationship with a customer under the program. The program operator may hedge the financial risks associated with the volatility of fuel prices. Different mechanisms are provided whereby the customer may identify himself as a program participant, select a payment mechanism or account under the program and receive the program price. The invention has application to vehicles other than automobiles and fuels other than gasoline. In one embodiment, a hedge program may be developed to offset the risk associated with guaranteeing the price of the fuel.
摘要翻译：发生燃料购买激励是出售车辆事件。对于汽车的销售，激励包括指定数量的指定品牌和类型的汽油的计划价格，例如折扣价格或上限最高价格。奖励是根据汽车买家的预期燃料使用因素计算的。激励信息在购买汽车时提供给买方，并存储供激励计划运营商使用。当买方按照激励计划购买汽油时，买方通过提供折扣，信贷，实时折扣或其他适当机制来认可计划价格。计划发起人可以参与燃料激励计划，例如向计划运营商提供支付，以换取与计划下的客户建立关系。计划运营商可以对付与燃料价格波动相关的财务风险。提供了不同的机制，由此客户可以将自己识别为节目参与者，在节目下选择支付机制或帐户并接收节目价格。本发明适用于除汽油以外的车辆，汽油以外的燃料。在一个实施例中，可以开发套期计划以抵消与保证燃料价格相关联的风险。

2. 发明申请

US20150317665A1 Credit Card Reward Program Incorporating Investing in Precious Metals 审中-公开
标题翻译：信用卡奖励计划投资贵金属
公开(公告)号：US20150317665A1
公开(公告)日：2015-11-05
申请号：US14266983
申请日：2014-05-01
申请人： Richard Hajdukiewicz
发明人： Richard Hajdukiewicz
IPC分类号： G06Q30/02 , G06Q20/24 , G06Q20/34
CPC分类号： G06Q20/34 , G06Q20/24 , G06Q30/0216 , G06Q30/0226
摘要： In a credit card reward program incorporating investment in precious metals, a credit card holder is provided with a credit card account and a precious metals account. The precious metals account contains balances of one or more precious metals. Cash is accumulated from activity on the credit card account at a reward rate, and may be increased by rounding up transactions on the credit card account and crediting the round-up funds to the total. Periodically, for example monthly, precious metals in proportion to a designated basket are purchased using the cash balance and the metals are added to the balances of metals in the precious metals account. Precious metals may be exchanged for fabricated products in fabrication transactions. Additionally, a precious metal protection program transaction may be provided whereby, for a fee, a price cap may be obtained for the duration of a program period.
摘要翻译：在信用卡奖励计划中纳入贵金属投资，信用卡持有人将提供信用卡账户和贵金属账户。贵金属账户包含一种或多种贵金属的余额。现金由信用卡账户的活动以奖励积累，可以通过信用卡账户的交易进行四舍五入并将累计资金计入总额。定期地，例如每月，使用现金余额购买与指定篮子成比例的贵金属，并将金属加入贵金属账户中的金属余额。贵金属可以在制造交易中交换制造产品。此外，可以提供贵金属保护计划交易，由此，在节目期间期间，可以获得价格上限。

3. 发明申请

US20070203794A1 SYSTEM AND METHOD FOR PROVIDING A FUEL PURCHASE INCENTIVE WITH THE SALE OF A VEHICLE 审中-公开
公开(公告)号：US20070203794A1
公开(公告)日：2007-08-30
申请号：US11733125
申请日：2007-04-09
申请人： Richard Hajdukiewicz , James Riley , John Squires
发明人： Richard Hajdukiewicz , James Riley , John Squires
IPC分类号： G06Q30/00 , G06F17/00
CPC分类号： G06Q30/02 , G06Q20/20 , G06Q30/0215 , G06Q30/0224 , G06Q30/0234 , G06Q30/0235 , G06Q30/0283 , G06Q50/06
摘要： A fuel purchase incentive is provided incident to the sale of a vehicle. With respect to the sale of an automobile, the incentive consists of a program price, for example a discount price or a capped maximum price, for a specified quantity of a specified brand and type of gasoline. The incentive is calculated as a function of the anticipated fuel use factors of the automobile buyer. The incentive information is provided to the buyer at the time of purchase of the automobile and stored for use by an incentive program operator. When the buyer purchases gasoline pursuant to the incentive program, the buyer recognizes the program price through the provision of a rebate, credit, real-time discount or other appropriate mechanism. Program sponsors may participate in the fuel incentive program, for example providing a payment(s) to the program operator in exchange for establishing a relationship with a customer under the program. The program operator may hedge the financial risks associated with the volatility of fuel prices. Different mechanisms are provided whereby the customer may identify himself as a program participant, select a payment mechanism or account under the program and receive the program price. The invention has application to vehicles other than automobiles and fuels other than gasoline. In one embodiment, a hedge program may be developed to offset the risk associated with guaranteeing the price of the fuel.

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