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1. 发明授权

US08751292B2 Method and system for providing sellers access to selected consumers 有权
标题翻译：提供卖家访问选定消费者的方法和系统
公开(公告)号：US08751292B2
公开(公告)日：2014-06-10
申请号：US11875682
申请日：2007-10-19
申请人： James Robert Del Favero , Lisa Cohen Gevelber , John Reed Flora
发明人： James Robert Del Favero , Lisa Cohen Gevelber , John Reed Flora
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q20/10
摘要： A method and system for providing sellers access to desirable consumers includes a process for providing sellers access to desirable consumers whereby financial transaction data for various consumers is obtained from one or more sources using a computing system implemented financial management system. The consumers' financial transaction data is then used by a provider of marketing and advertising tools to categorize consumers. Sellers are then charged for access to the consumers based on the consumer's category and/or historical financial transaction data and/or based on the consumer's eventual business with the seller as indicated by monitoring the consumers' financial transaction data.
摘要翻译：用于向卖家提供对期望消费者的访问的方法和系统包括提供卖家访问期望消费者的过程，从而使用计算系统实现的财务管理系统从一个或多个来源获得各种消费者的金融交易数据。然后消费者的金融交易数据由营销和广告工具提供商用于对消费者进行分类。然后根据消费者的类别和/或历史金融交易数据和/或基于消费者与卖方的最终业务，对卖方进行消费者的收费，如监控消费者的金融交易数据所示。

2. 发明申请

US20090106144A1 METHOD AND SYSTEM FOR PROVIDING SELLERS ACCESS TO SELECTED CONSUMERS 有权
标题翻译：提供卖家访问选定消费者的方法和系统
公开(公告)号：US20090106144A1
公开(公告)日：2009-04-23
申请号：US11875682
申请日：2007-10-19
申请人： James Robert Del Favero , Lisa Cohen Gevelber , John Reed Flora
发明人： James Robert Del Favero , Lisa Cohen Gevelber , John Reed Flora
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q20/10
摘要： A method and system for providing sellers access to desirable consumers includes a process for providing sellers access to desirable consumers whereby financial transaction data for various consumers is obtained from one or more sources using a computing system implemented financial management system. The consumers' financial transaction data is then used by a provider of marketing and advertising tools to categorize consumers. Sellers are then charged for access to the consumers based on the consumer's category and/or historical financial transaction data and/or based on the consumer's eventual business with the seller as indicated by monitoring the consumers' financial transaction data.
摘要翻译：用于向卖家提供对期望消费者的访问的方法和系统包括提供卖家访问期望消费者的过程，从而使用计算系统实现的财务管理系统从一个或多个来源获得各种消费者的金融交易数据。然后消费者的金融交易数据由营销和广告工具提供商用于对消费者进行分类。然后根据消费者的类别和/或历史金融交易数据和/或基于消费者与卖方的最终业务，对卖方进行消费者的收费，如监控消费者的金融交易数据所示。

3. 发明申请

US20090037264A1 METHOD AND SYSTEM FOR PROVIDING COUPONS TO SELECT CONSUMERS 审中-公开
标题翻译：提供优惠券以选择消费者的方法和系统
公开(公告)号：US20090037264A1
公开(公告)日：2009-02-05
申请号：US11831239
申请日：2007-07-31
申请人： James Robert Del Favero , Lisa Cohen Gevelber , Roy Matthew Rosin , George A. Hansen , Michael Fitzgibbon , Paul Jeffrey Rosenfeld , John W. Zackrison
发明人： James Robert Del Favero , Lisa Cohen Gevelber , Roy Matthew Rosin , George A. Hansen , Michael Fitzgibbon , Paul Jeffrey Rosenfeld , John W. Zackrison
IPC分类号： G06Q30/00 , G06F17/30 , G06Q40/00
CPC分类号： G06Q30/02 , G06Q30/0219
摘要： A method and system for providing coupons to select consumers includes a process for providing coupons to select consumers whereby a coupon provider defines one or more coupon eligibility criterion that must be met by a consumer in order for the consumer to be eligible to receive one or more coupons. Access to data representing the one or more coupon eligibility criterion is then provided. A consumer's financial data is then obtained from one or more sources using a computing system implemented financial management system. In one embodiment, using the consumer's financial data and the data representing the one or more coupon eligibility criterion, one or more coupons are identified that the consumer is eligible to receive. In one embodiment, the consumer is then provided access to the one or more coupons identified that the consumer is eligible to receive.
摘要翻译：用于向选择的消费者提供优惠券的方法和系统包括提供优惠券以选择消费者的过程，由此，优惠券提供商定义消费者必须满足的一个或多个优惠券资格标准，以便消费者有资格接收一个或多个优惠券。然后提供对代表一个或多个优惠券资格标准的数据的访问。然后使用计算系统实施的财务管理系统从一个或多个来源获得消费者的财务数据。在一个实施例中，使用消费者的财务数据和表示一个或多个优惠券资格标准的数据，识别消费者有资格接收的一个或多个优惠券。在一个实施例中，然后向消费者提供对被识别为消费者有资格接收的一个或多个优惠券的访问。

4. 发明授权

US08655726B1 Method and system for deriving a consumer's shopping habits 有权
标题翻译：导出消费者购物习惯的方法和系统
公开(公告)号：US08655726B1
公开(公告)日：2014-02-18
申请号：US11782097
申请日：2007-07-24
申请人： James Robert Del Favero , Lisa Cohen Gevelber
发明人： James Robert Del Favero , Lisa Cohen Gevelber
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0205
摘要： A method and system for deriving a consumer's shopping habits includes a process for deriving a consumer's shopping habits whereby data representing financial transactions conducted by a given consumer using one of more payment methods is obtained. Payee identification data for the payees associated with the financial transactions is then obtained/derived from the financial transactions data. The payees' identification data is then analyzed to determine each payee's geographic location. The data representing the geographic location of the various payees is then aggregated, mapped, and analyzed to derive a geographical shopping area for the consumer, i.e., to determine where the consumer does a significant amount of his or her shopping.
摘要翻译：用于导出消费者的购物习惯的方法和系统包括导出消费者的购物习惯的过程，其中获得表示由给定消费者使用更多付款方式之一进行的金融交易的数据。然后从金融交易数据中获得/衍生与金融交易相关的收款人的收款人识别数据。然后分析收款人的识别数据，以确定每个收款人的地理位置。然后汇集，映射和分析表示各种收款人的地理位置的数据，以得到消费者的地理购物区域，即确定消费者在哪里进行大量购物。

5. 发明授权

US07877402B1 Method and system for providing network search results based in part on a user's financial data 有权
标题翻译：部分基于用户的财务数据提供网络搜索结果的方法和系统
公开(公告)号：US07877402B1
公开(公告)日：2011-01-25
申请号：US12014711
申请日：2008-01-15
申请人： Benjamin Weiss , Lisa Cohen Gevelber , Todd M. Fitch , James Robert Del Favero
发明人： Benjamin Weiss , Lisa Cohen Gevelber , Todd M. Fitch , James Robert Del Favero
IPC分类号： G06F17/30 , G06F7/00
CPC分类号： G06F17/30867 , G06Q30/0215 , G06Q40/00
摘要： A method and system for providing relevant search results using financial data includes a process for providing relevant search results using financial data whereby a user's financial transaction data is obtained from one or more sources. A user then initiates a network search using one or more network search parameters such as one or more keywords and/or phrases. The scope of the one or more network search parameters, and therefore the scope of the network search, are then determined and/or modified based, at least in part, on the user's financial data.
摘要翻译：使用财务数据提供相关搜索结果的方法和系统包括使用财务数据提供相关搜索结果的过程，从而从一个或多个来源获得用户的金融交易数据。然后，用户使用一个或多个网络搜索参数（诸如一个或多个关键词和/或短语）来发起网络搜索。至少部分地基于用户的财务数据来确定和/或修改一个或多个网络搜索参数的范围，因此网络搜索的范围。

6. 发明授权

US07966216B1 Method and system to identify and target consumers based on their spending behavior with respect to supplementary income 有权
标题翻译：方法和系统根据消费者在补充收入上的行为来确定和定位消费者
公开(公告)号：US07966216B1
公开(公告)日：2011-06-21
申请号：US12059234
申请日：2008-03-31
申请人： Lisa Cohen Gevelber , Todd M. Fitch , Benjamin Weiss
发明人： Lisa Cohen Gevelber , Todd M. Fitch , Benjamin Weiss
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q30/0249 , G06Q30/0255 , G06Q30/0269 , G06Q40/12
摘要： In accordance with one embodiment, a system and method for providing consumers marketing devices based on their use of supplementary income includes obtaining consumer financial data associated with a given “consumer” from one or more sources. At least part of the consumer financial data is then analyzed to determine if the given consumer typically receives supplementary income and, if so, how the consumer typically treats any supplementary income received. A supplementary income profile is then created for the given consumer. Data representing the supplementary income profile for the given consumer is then stored and at least part of the data representing the supplementary income profile for the given consumer is provided to one or more product marketers. One or more product marketers then provide a marketing device to the given consumer. The marketing device itself, and/or the time when the marketing device is provided to the given consumer, and/or the terms of the marketing device, is/are based, at least in part, on the data representing the supplementary income profile for the given consumer provided to one or more product marketers and analysis of the data representing the supplementary income profile for the given consumer performed by the product marketers.
摘要翻译：根据一个实施例，一种用于基于其使用补充收入来提供消费者营销设备的系统和方法包括从一个或多个来源获得与给定“消费者”相关联的消费者财务数据。然后分析至少部分消费者财务数据，以确定给定消费者是否通常收到补充收入，如果是，消费者通常会如何处理收到的任何补充收入。然后为给定的消费者创建补充收入简介。然后存储表示给定消费者的补充收入简档的数据，并且将表示给定消费者的补充收入简档的数据的至少一部分提供给一个或多个产品营销人员。一个或多个产品营销商然后向给定的消费者提供营销设备。营销设备本身和/或营销设备提供给给定消费者的时间和/或营销设备的条款至少部分地基于表示用于给定的消费者提供给一个或多个产品营销人员，并分析代表由产品营销人员执行的给定消费者的补充收入简介的数据。

7. 发明授权

US08364522B1 Method and system for providing a small business coupon distribution system 有权
标题翻译：提供小型企业优惠券分配系统的方法和系统
公开(公告)号：US08364522B1
公开(公告)日：2013-01-29
申请号：US12022339
申请日：2008-01-30
申请人： Lisa Cohen Gevelber
发明人： Lisa Cohen Gevelber
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0224
摘要： A method and system for providing a small business a coupon distribution system includes a process for coupon distribution to select consumers whereby a coupon provider defines at least one coupon eligibility criterion that must be met by a consumer in order for the consumer to be eligible to receive a given coupon. The coupon provider also provides coupon offer data including, but not limited to, the terms of the coupon, contact information for the coupon provider, and a logo and/or trademark associated with the coupon provider. The data representing the at least one coupon eligibility criterion and coupon offer data is then provided to the process for coupon distribution to select consumers. Financial data for one or more consumers is then obtained from one or more sources using a computing system implemented financial management system. Using the data representing the at least one coupon eligibility criterion and the consumer's financial data, one or more consumers are identified that are eligible to receive the coupon from the coupon provider. The identified consumers are then provided the one coupons and/or coupon offer data.
摘要翻译：一种用于提供小企业的优惠券分配系统的方法和系统包括用于选择消费者的优惠券分配流程，其中优惠券提供商定义消费者必须满足的至少一个优惠券资格标准，以便消费者有资格接收给定的优惠券。优惠券提供商还提供优惠券提供数据，包括但不限于优惠券的条款，优惠券提供商的联系信息以及与优惠券提供商相关联的商标和/或商标。然后将表示至少一个优惠券资格标准和优惠券提供数据的数据提供给用于优惠券分发的过程以选择消费者。然后使用计算系统实施的财务管理系统从一个或多个来源获得一个或多个消费者的财务数据。使用表示至少一个优惠券资格标准和消费者的财务数据的数据，识别出有资格从优惠券提供者接收优惠券的一个或多个消费者。然后向所识别的消费者提供一个优惠券和/或优惠券报价数据。

8. 发明申请

US20090187462A1 METHOD AND SYSTEM FOR PROVIDING RELEVANT COUPONS TO CONSUMERS BASED ON FINANCIAL TRANSACTION HISTORY AND NETWORK SEARCH ACTIVITY 审中-公开
标题翻译：基于财务交易历史和网络搜索活动向消费者提供相关优惠的方法和系统
公开(公告)号：US20090187462A1
公开(公告)日：2009-07-23
申请号：US12016537
申请日：2008-01-18
申请人： Lisa Cohen Gevelber , Ricardo Marquez , JWM Spies
发明人： Lisa Cohen Gevelber , Ricardo Marquez , JWM Spies
IPC分类号： G06F17/00 , G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0215 , G06Q30/0216 , G06Q30/0239
摘要： A method and system for providing relevant coupons includes a process for providing relevant coupons whereby a consumer's financial transaction data is obtained from one or more sources using a computing system implemented financial management system. The consumer is provided one or more financial transaction based coupons based, at least in part, on the consumer's financial transaction data. The financial transaction based coupons are then stored in a financial transaction based coupon database in an account and/or location associated with the consumer. When the consumer is conducting network search, data about the network search and/or search results is then used to search the financial transaction based coupon database to attempt to find one or more financial transaction based coupons relevant to the network search conducted by the user and/or the search results. If one or more financial transaction based coupons relevant to the network search conducted by the user and/or the search results are found, the consumer is alerted to the relevant financial transaction based coupons.
摘要翻译：用于提供相关优惠券的方法和系统包括提供相关优惠券的过程，从而使用计算系统实施的财务管理系统从一个或多个来源获得消费者的金融交易数据。消费者至少部分地基于消费者的金融交易数据提供一个或多个基于金融交易的优惠券。然后将基于金融交易的优惠券存储在与消费者相关联的帐户和/或位置的基于金融交易的优惠券数据库中。当消费者进行网络搜索时，然后使用关于网络搜索和/或搜索结果的数据来搜索基于金融交易的优惠券数据库来尝试找到与用户进行的网络搜索相关的一个或多个基于金融交易的优惠券，以及 /或搜索结果。如果发现与用户进行的网络搜索相关的一个或多个基于金融交易的优惠券和/或搜索结果，则消费者被提醒相关的基于金融交易的优惠券。

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