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1. 发明授权

US10037535B2 Loyalty program parameter collaboration 有权
公开(公告)号：US10037535B2
公开(公告)日：2018-07-31
申请号：US11848179
申请日：2007-08-30
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard
IPC分类号： G06Q30/00 , G06Q30/02
CPC分类号： G06Q30/00 , G06Q30/02 , G06Q30/0226
摘要： Collaborative constituents collaborate to develop a loyalty program within a transaction processing system. Transmissions addressed to the collaborative constituents are formed and received from the collaborative constituents containing suggested parameters for the loyalty program. At least one remaining parameter for the loyalty program that a set of remaining collaborative constituents have agreed upon is determined. Another transmission addressed to each of the collaborative constituents in the set of remaining collaborative constituents is formed, the another transmission including the remaining parameters for the loyalty program.

2. 发明申请

US20100145786A1 LOYALTY PROGRAM SERVICE 审中-公开
标题翻译： LOYALTY程序服务
公开(公告)号：US20100145786A1
公开(公告)日：2010-06-10
申请号：US12630622
申请日：2009-12-03
申请人： Edward W. Fordyce III , Karteek Hasmukh Patel , David Chauncey Shepard
发明人： Edward W. Fordyce III , Karteek Hasmukh Patel , David Chauncey Shepard
IPC分类号： G06Q30/00 , G06Q40/00 , G06Q20/00
CPC分类号： G06Q30/02 , G06Q30/0226 , G06Q30/0238
摘要： A loyalty program for a transaction processing system includes a loyalty program database with loyalty program business rules that are usable to determine when a transaction qualifies for the loyalty program. A loyalty program rule implementer receives transaction data whenever a transaction occurs and uses the received transaction data and the program business rules to determine when a transaction qualifies for the loyalty program. The loyalty program rule implementer is an entity other than an issuer, an acquirer or a merchant. The loyalty program business rules require that the transaction relate to at least one of a specific merchant, a specific issuer, a specific acquirer, a specific consumer, a specific product/service, a consumer having a specific characteristic, a merchant having a specific characteristic, an issuer having a specific characteristic, an acquirer having a specific characteristic and a product/service having a specific characteristic.
摘要翻译：交易处理系统的忠诚度计划包括具有忠诚度计划业务规则的忠诚度计划数据库，其可用于确定交易何时符合忠诚度计划。忠诚度计划规则实现者每当事务发生时接收交易数据，并使用接收到的交易数据和程序业务规则来确定交易何时符合忠诚度计划。忠诚度计划规则实施者是发行人，收购方或商户以外的实体。忠诚度计划业务规则要求交易涉及特定商家，特定发行者，特定收购方，特定消费者，特定产品/服务，具有特定特征的消费者，具有特定特征的商家中的至少一个具有特定特征的发行者，具有特定特征的收单方和具有特定特征的产品/服务。

3. 发明申请

US20080059302A1 LOYALTY PROGRAM SERVICE 审中-公开
标题翻译： LOYALTY程序服务
公开(公告)号：US20080059302A1
公开(公告)日：2008-03-06
申请号：US11767202
申请日：2007-06-22
申请人： Edward W. Fordyce III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard
发明人： Edward W. Fordyce III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard
IPC分类号： G06Q30/00
CPC分类号： G06Q30/00 , G06Q30/0211 , G06Q30/0223 , G06Q30/0224 , G06Q30/0226 , G06Q30/0234 , G06Q30/0277
摘要： A loyalty program associated with a payment processing system is constructed, implemented, and refined through collaboration between collaborative constituents in the payment processing system. A first collaborative constituent may transmits a proposal having at least one parameter of the loyalty program to another collaborative constituents. The first collaborative constituent may receive a response to the proposal and transmit a reply based on the response. All remaining collaborative constituents in the negotiation process agree to a negotiated set of parameters. The negotiated set of parameters for the loyalty program is communicated to a loyalty program implementer that can be one of the collaborative constituents. The same process of proposal, response, and reply can be utilized to refine the negotiated set of parameters as long as the remaining collaborative constituents agree that refinement is in order.
摘要翻译：通过支付处理系统中的协作成分之间的协作来构建，实现和改进与支付处理系统相关联的忠诚度计划。第一合作组成部分可以将具有忠诚度计划的至少一个参数的提案传送到另一协作组成部分。第一个合作组成部分可以接收对该提案的响应，并根据响应发送回复。谈判过程中所有其余的合作成分同意一组谈判的参数。忠诚计划的协商一组参数被传达给可以是协作组成部分之一的忠诚度计划实施者。只要其余的合作组成部分同意改进是有序的，则可以使用相同的提案，响应和回复过程来完善协商的参数集。

4. 发明授权

US08620738B2 Loyalty program incentive determination 有权
标题翻译：忠诚计划奖励决定
公开(公告)号：US08620738B2
公开(公告)日：2013-12-31
申请号：US11848112
申请日：2007-08-30
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , David Chauncey Shepard
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , David Chauncey Shepard
IPC分类号： G06Q30/02 , G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0226 , G06Q30/0238
摘要： The eligibility of an transaction between a consumer and a merchant toward an incentive for a loyalty program is determined using a globally unique identifier (GUID) matching algorithm. Information characterizing the transaction may include a GUID for the merchant and a GUID for an account of the consumer on which the transaction is payable. The GUIDs are each matched against GUIDs of merchants and accounts stored in a database, some of which are distinguished as loyalty program participants. When both the GUID for the merchant and the GUID for the account match with respective GUIDs in the database that are distinguished as loyalty program participants, the transaction is eligible toward the incentive.
摘要翻译：使用全局唯一标识符（GUID）匹配算法确定消费者和商家之间对忠诚度计划的激励的交易的资格。表征交易的信息可以包括商家的GUID和用于支付交易的消费者的帐户的GUID。 GUID每个与存储在数据库中的商家和帐户的GUID匹配，其中一些被区分为忠诚度计划参与者。当商家的GUID和该帐户的GUID都与数据库中被分类为忠诚度计划参与者的相应GUID匹配时，该交易有资格获得激励。

5. 发明申请

US20100169170A1 MERCHANT OFFER PROGRAM 审中-公开
标题翻译：商业计划
公开(公告)号：US20100169170A1
公开(公告)日：2010-07-01
申请号：US12604322
申请日：2009-10-22
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard , Jeanette M. Yoder , Leigh Amaro
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Sarah Pankratz Suarez , David Chauncey Shepard , Jeanette M. Yoder , Leigh Amaro
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q30/00 , G06Q30/0215
摘要： A value of an incentive in a loyalty program is debited from a funding balance and credited to an account used in a transaction that qualifies for the incentive. A computing device receives a plurality of transactions upon accounts issued to account holders by corresponding issuers. After the transactions that qualify for the incentive are cleared and settled, funds matching the value of the incentive is transferred from a funding balance of the sponsor of the incentive to the account used in the qualified transaction. The issuer's interchange fee remains intact after the credit is applied.
摘要翻译：忠诚计划中的激励价值从资金余额中扣除，并记入有资格获得激励的交易中使用的账户。计算设备在通过相应的发行者向帐户持有者发行账户时接收多个交易。在符合激励条件的交易清算并结算后，与激励价值相匹配的资金将从激励担保人的资金余额转入合格交易使用的账户。信用证申请后，发行人的兑换费用保持不变。

6. 发明申请

US20080059306A1 LOYALTY PROGRAM INCENTIVE DETERMINATION 有权
标题翻译： LOYALTY程序激励确定
公开(公告)号：US20080059306A1
公开(公告)日：2008-03-06
申请号：US11848112
申请日：2007-08-30
申请人： Edward W. Fordyce , Karteek Hasmukh Patel , David Chauncey Shepard
发明人： Edward W. Fordyce , Karteek Hasmukh Patel , David Chauncey Shepard
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0226 , G06Q30/0238
摘要： The eligibility of an transaction between a consumer and a merchant toward an incentive for a loyalty program is determined using a globally unique identifier (GUID) matching algorithm. Information characterizing the transaction may include a GUID for the merchant and a GUID for an account of the consumer on which the transaction is payable. The GUIDs are each matched against GUIDs of merchants and accounts stored in a database, some of which are distinguished as loyalty program participants. When both the GUID for the merchant and the GUID for the account match with respective GUIDs in the database that are distinguished as loyalty program participants, the transaction is eligible toward the incentive.
摘要翻译：使用全局唯一标识符（GUID）匹配算法确定消费者和商家之间对忠诚度计划的激励的交易的资格。表征交易的信息可以包括商家的GUID和用于支付交易的消费者的帐户的GUID。 GUID每个与存储在数据库中的商家和帐户的GUID匹配，其中一些被区分为忠诚度计划参与者。当商家的GUID和该帐户的GUID都与数据库中被分类为忠诚度计划参与者的相应GUID匹配时，该交易有资格获得激励。

7. 发明申请

US20100145778A1 CONSUMER COMMERCIAL BEHAVIOR MODIFICATION THROUGH MULTIPLE MERCHANT INCENTIVE PROGRAM 审中-公开
标题翻译：消费者商业行为改变通过多种商业激励计划
公开(公告)号：US20100145778A1
公开(公告)日：2010-06-10
申请号：US12632136
申请日：2009-12-07
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , David C. Shepard
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , David C. Shepard
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q30/02 , G06Q30/0229
摘要： A multi-provider rewards program in which rewards are awarded for a series of transactions using an account in a transaction processing system. The transaction processing system includes at least one issuer, at least one acquirer, a plurality of resource providers, a transaction handler, a rewards program rule implementer having access to the rewards program database, and an implementer processor. The implementer processor receives transaction data whenever a transaction occurs using the consumer account, uses the transaction data to determine when a consumer has performed the separate transactions associated with each of a plurality of merchants that are required by a rewards rule and when a consumer has performed the separate transactions with each of the plurality of resource providers, and identifies a reward for the consumer that performed the transactions.
摘要翻译：一个多供应商奖励计划，其中使用交易处理系统中的一个帐户对一系列交易进行奖励。交易处理系统包括至少一个发行者，至少一个收单方，多个资源提供者，交易处理程序，具有访问奖赏程序数据库的奖赏程序规则实现者，以及实施者处理器。实施者处理器每当使用消费者帐户进行交易时接收交易数据，则使用交易数据来确定消费者何时执行与奖励规则所要求的多个商家中的每一个相关联的单独交易，以及消费者已经执行与所述多个资源提供者中的每一个的单独交易，并且识别执行所述交易的所述消费者的奖励。

8. 发明申请

US20080082418A1 CONSUMER SPECIFIC CONDITIONAL REWARDS 审中-公开
标题翻译：消费者特殊条件奖励
公开(公告)号：US20080082418A1
公开(公告)日：2008-04-03
申请号：US11862487
申请日：2007-09-27
申请人： Edward W. Fordyce , Karteek Hasmukh Patel , Shaun Bodington
发明人： Edward W. Fordyce , Karteek Hasmukh Patel , Shaun Bodington
IPC分类号： G06Q30/00 , G06F17/10 , G06F17/40
CPC分类号： G06Q30/02 , G06Q30/0207 , G06Q30/0234
摘要： A set of conditional rewards are associated with a consumer. Thereafter, notice of a reward is given for each of the consumer's transactions upon one of the consumer's accounts that satisfies one of the conditional rewards in the set. The set may be selected by the consumer, or by the issuer such as when the issuer uses a transaction history of purchases made on the consumer's account to determine the set of conditional rewards that would match a past purchasing trend of the consumer. A Globally Unique Identifier, unique within a plurality of transaction processing systems, can be associated with the consumer and used to match the transactions to a corresponding conditional reward.
摘要翻译：一组条件奖励与消费者相关联。此后，在符合该集合中的一项有条件奖励的消费者帐户之一上，每个消费者的交易都会发出奖励通知。该集合可以由消费者或发行人选择，例如当发行人使用消费者账户进行的购买交易历史来确定与过去的消费者购买趋势相匹配的一组条件奖励时。在多个事务处理系统中唯一的全局唯一标识符可以与消费者相关联，并用于将事务匹配到相应的条件报酬。

9. 发明授权

US10121152B2 Consumer specific conditional rewards 有权
公开(公告)号：US10121152B2
公开(公告)日：2018-11-06
申请号：US11862487
申请日：2007-09-27
申请人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Shaun Bodington
发明人： Edward W. Fordyce, III , Karteek Hasmukh Patel , Shaun Bodington
IPC分类号： G06Q30/02
摘要： A set of conditional rewards are associated with a consumer. Thereafter, notice of a reward is given for each of the consumer's transactions upon one of the consumer's accounts that satisfies one of the conditional rewards in the set. The set may be selected by the consumer, or by the issuer such as when the issuer uses a transaction history of purchases made on the consumer's account to determine the set of conditional rewards that would match a past purchasing trend of the consumer. A Globally Unique Identifier, unique within a plurality of transaction processing systems, can be associated with the consumer and used to match the transactions to a corresponding conditional reward.

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