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    • 3. 发明授权
    • Method and apparatus for processing credit card transactions
    • 处理信用卡交易的方法和设备
    • US07729988B1
    • 2010-06-01
    • US09316546
    • 1999-05-21
    • Jay S. WalkerMagdalena MikStephen C. TulleyDaniel E. TedescoAndrew S. Van Luchene
    • Jay S. WalkerMagdalena MikStephen C. TulleyDaniel E. TedescoAndrew S. Van Luchene
    • G06Q40/00
    • G06Q30/0222G06Q20/04G06Q20/12G06Q20/20G06Q20/387G06Q20/40G06Q30/0215G06Q30/0217G06Q30/0224G06Q40/00G07G1/0036
    • Systems and methods are disclosed whereby credit and debit card transactions are processed at a merchant point-of-sale terminal in a manner that provides customers the opportunity to receive one or more charge enhancement offers which are presented to the customer on a printed record of charge. The charge enhancement offers may indicate either a reduction or an increase in the original purchase total. In a first embodiment, a customer may receive a discount toward a purchase total in exchange for supplying feedback to a merchant in the form of a survey or questionnaire presented on the record of charge. In a second embodiment, the customer is provided the opportunity to receive a discount toward a purchase total by enlisting a third-party service or to purchase a third-party product by completing a section provided on the record of charge. In a third embodiment, the customer may select from at least one additional charge displayed on a record of charge to be added to a transaction total. Such additional charges may represent, for example, a gratuity for a merchant service. In each embodiment, the reduction or increase of original purchase total is provided by a clearinghouse or issuing bank that processes the credit or debit card transaction and confirms the cardholder's acceptance of the charge enhancement offer following completion of the transaction at the point-of-sale terminal.
    • 公开了系统和方法,其中在商户销售点终端处理信用卡和借记卡交易,其方式是向客户提供接收在印刷的收费记录上呈现给客户的一个或多个收费增加优惠的机会 。 收费增加优惠可能表示原始购买总额的减少或增加。 在第一实施例中,客户可以收到对购买总额的折扣,以便以在收费记录上呈现的调查或问卷的形式向商家提供反馈。 在第二实施例中,向客户提供通过登记第三方服务或通过完成在费用记录上提供的部分来购买第三方产品而向购买总额接收折扣的机会。 在第三实施例中,客户可以从要添加到交易总额的费用记录上显示的至少一个附加费用进行选择。 这样的附加费用可以表示例如商家服务的酬金。 在每个实施例中,原始购买总额的减少或增加由处理信用卡或借记卡交易的结算所或开证行提供,并在销售点完成交易之后确认持卡人接受费用增加报价 终奌站。