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1. 发明授权

US08706632B2 Method and apparatus for processing credit card transactions 有权
标题翻译：处理信用卡交易的方法和设备
公开(公告)号：US08706632B2
公开(公告)日：2014-04-22
申请号：US12791567
申请日：2010-06-01
申请人： Jay S. Walker , Magdalena Mik , Stephen C. Tulley , Daniel E. Tedesco , Andrew S. Van Luchene
发明人： Jay S. Walker , Magdalena Mik , Stephen C. Tulley , Daniel E. Tedesco , Andrew S. Van Luchene
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0222 , G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/387 , G06Q20/40 , G06Q30/0215 , G06Q30/0217 , G06Q30/0224 , G06Q40/00 , G07G1/0036
摘要： 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 record of charge.
摘要翻译：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一笔或多笔在收费记录上呈现给客户的收费增加优惠的机会。

2. 发明授权

US07729988B1 Method and apparatus for processing credit card transactions 失效
标题翻译：处理信用卡交易的方法和设备
公开(公告)号：US07729988B1
公开(公告)日：2010-06-01
申请号：US09316546
申请日：1999-05-21
申请人： Jay S. Walker , Magdalena Mik , Stephen C. Tulley , Daniel E. Tedesco , Andrew S. Van Luchene
发明人： Jay S. Walker , Magdalena Mik , Stephen C. Tulley , Daniel E. Tedesco , Andrew S. Van Luchene
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0222 , G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/387 , G06Q20/40 , G06Q30/0215 , G06Q30/0217 , G06Q30/0224 , G06Q40/00 , G07G1/0036
摘要： 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.
摘要翻译：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。

3. 发明申请

US20100241502A1 METHOD AND APPARATUS FOR PROCESSING CREDIT CARD TRANSACTIONS 有权
标题翻译：用于处理信用卡交易的方法和装置
公开(公告)号：US20100241502A1
公开(公告)日：2010-09-23
申请号：US12791567
申请日：2010-06-01
申请人： Jay S. Walker , Magdalena Mik , Stephen C. Tulley , Danield E. Tedesco , Andrew S. Van Luchene
发明人： Jay S. Walker , Magdalena Mik , Stephen C. Tulley , Danield E. Tedesco , Andrew S. Van Luchene
IPC分类号： G06Q30/00 , G06Q20/00 , G06Q40/00 , G06Q10/00
CPC分类号： G06Q30/0222 , G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/387 , G06Q20/40 , G06Q30/0215 , G06Q30/0217 , G06Q30/0224 , G06Q40/00 , G07G1/0036
摘要： 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 record of charge.
摘要翻译：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一笔或多笔在收费记录上呈现给客户的收费增加优惠的机会。

4. 发明授权

US08260670B2 Multi-tier pricing of individual products based on volume discounts 有权
标题翻译：基于批量折扣的单个产品的多层次定价
公开(公告)号：US08260670B2
公开(公告)日：2012-09-04
申请号：US12592220
申请日：2009-11-20
申请人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
发明人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
IPC分类号： G06G1/12 , G06F17/60
CPC分类号： G06Q30/02 , G06Q20/202 , G06Q20/387 , G06Q30/0222 , G07G1/145
摘要： A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated historical transaction amount associated therewith, such that in order to qualify for a given pricing tier and thus a given price for a product, a customer must be associated with the appropriate historical transaction amount corresponding to the pricing tier.
摘要翻译：销售系统或其他计算机系统存储产品定价数据库，其中针对可出售的每个产品存储对应于一个或多个折扣价格层的全价和折扣价格。给定产品的每个折扣价格具有与之相关联的历史交易金额，使得为了符合给定的定价层次，从而符合产品的给定价格，客户必须与相应的适当的历史交易金额相关联到定价层。

5. 发明授权

US07496523B2 Method and apparatus for defining routing of customers between merchants 有权
公开(公告)号：US07496523B2
公开(公告)日：2009-02-24
申请号：US11399143
申请日：2006-04-06
申请人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
发明人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
IPC分类号： G06F17/60
CPC分类号： G06Q30/0231 , G06Q10/06311 , G06Q10/06316 , G06Q20/20 , G06Q20/204 , G06Q20/387 , G06Q30/02 , G06Q30/0201 , G06Q30/0211 , G06Q30/0219 , G06Q30/0235 , G06Q30/0236 , G06Q30/0238 , G06Q30/0239 , G06Q30/0601 , G06Q30/0611 , G06Q40/04 , G07G1/14
摘要： A server or Internet service provider computer selects a soliciting merchant and an outputting merchant based on various factors. In one embodiment, the soliciting merchant is selected is its activity rate (e.g. sales rate) is low. The outputting merchant provides offers for bonuses to customers on behalf of the soliciting merchant. The bonus is provided to the customer in exchange for consummating a transaction with the soliciting merchant. Thus, the soliciting merchant benefits from the increased patronage such offers encourage.

6. 发明授权

US07039603B2 Settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network 失效
标题翻译：结算系统和方法，其中买方在使用通信网络购买的产品的零售商处占有
公开(公告)号：US07039603B2
公开(公告)日：2006-05-02
申请号：US09348566
申请日：1999-07-07
申请人： Jay S. Walker , Jonothan Otto , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco , Ian Levitan
发明人： Jay S. Walker , Jonothan Otto , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco , Ian Levitan
IPC分类号： G06F17/60
CPC分类号： G06Q30/02 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/201 , G06Q20/24 , G06Q20/401 , G06Q20/403 , G06Q30/0211 , G06Q30/0225 , G06Q30/0235 , G06Q30/0273 , G06Q30/0277 , G06Q30/06 , G06Q30/0613 , G07F7/00 , G07F9/026
摘要： Settlement systems and methods are provided wherein a buyer takes possession of a product at a retailer. In one embodiment, a purchasing system arranges through a communication network for a buyer to purchase a product from a seller at a first price. The purchasing system also arranges for the buyer to take possession of the product at a retailer that offers the product for sale at a second price. Payment of an amount based on the first price is received from the buyer, and the purchasing system arranges for the retailer to receive payment of an amount based on a settlement price in exchange for providing the product to the buyer.
摘要翻译：提供结算系统和方法，其中买方在零售商处占有产品。在一个实施例中，采购系统通过通信网络安排买方以第一价格从卖方购买产品。购买系统还安排买方在以第二价格出售产品的零售商处占有产品。从买方收到根据第一价格支付的金额，采购系统安排零售商根据结算价格接收金额的支付，以换取向买方提供产品。

7. 发明申请

US20130060621A1 MULTI-TIER PRICING OF INDIVIDUAL PRODUCTS BASED ON VOLUME DISCOUNTS 审中-公开
标题翻译：基于体积折扣的个性化产品的多层次定价
公开(公告)号：US20130060621A1
公开(公告)日：2013-03-07
申请号：US13599137
申请日：2012-08-30
申请人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
发明人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q20/202 , G06Q20/387 , G06Q30/0222 , G07G1/145
摘要： A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated threshold purchase total that has to be satisfied before the discount price is applied to a transaction. When a transaction occurs, the purchase total for the transaction is first calculated on the basis of full retail prices for the products and the purchase total for the transaction is compared with one or more threshold purchase totals which correspond to the discount pricing tiers. If a discount pricing tier is applicable (e.g. the calculated purchase total for the transaction is at least equal to a threshold purchase total), the appropriate discount prices for each product in the transaction are retrieved and used to calculate a reduced purchase total for the transaction. Qualification for discount pricing can also be based on, for example, a customer's purchasing history, or the number of a certain type of product included in the transaction instead of the purchase total of a transaction.
摘要翻译：销售系统或其他计算机系统存储产品定价数据库，其中针对可出售的每个产品存储对应于一个或多个折扣价格层的全价和折扣价格。给定产品的每个折扣价格都有相关的门槛购买总额，在折扣价格应用于交易之前必须满足。当交易发生时，交易的购买总额首先根据产品的全部零售价格计算，并将交易的购买总额与对应于折扣价格层级的一个或多个门槛购买总额进行比较。如果适用折扣价格层级（例如交易的计算购买总额至少等于门槛购买总额），则会检索交易中每个产品的适当折扣价格，并用于计算交易的减少购买总额。折扣定价的资格也可以基于例如客户的采购历史，或交易中包括的特定类型的产品的数量，而不是交易的购买总额。

8. 发明申请

US20090228381A1 METHOD AND APPARATUS FOR PROCESSING A CHARGE APPLIED TO A FINANCIAL ACCOUNT 审中-公开
标题翻译：用于处理适用于财务帐目的费用的方法和装置
公开(公告)号：US20090228381A1
公开(公告)日：2009-09-10
申请号：US12468637
申请日：2009-05-19
申请人： Magdalena Mik , Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
发明人： Magdalena Mik , Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q30/04 , G06Q40/08 , G06Q50/22
摘要： In one embodiment, a billing server receives charge data from a card authorization terminal. The charge data indicates a transaction amount, such as a purchase price, and a first financial account, such as a credit card account. The billing server determines a second financial account that corresponds to the first financial account. For example, the second financial account may be the financial account of an insurance company or other reimbursing party. The billing server also determines a reimbursement amount that corresponds to the first financial account. The second financial account is charged the reimbursement amount. Thus, a portion or all of the transaction amount is paid by a reimbursing party. The second financial account is only charged if a reimbursement rule is satisfied. For example, only purchases made at certain types of merchants may be reimbursed. In addition, the billing server may first request approval before charging the second financial account.
摘要翻译：在一个实施例中，记帐服务器从卡授权终端接收费用数据。费用数据表示交易金额，例如购买价格，以及第一个金融账户，如信用卡账户。计费服务器确定对应于第一金融账户的第二金融账户。例如，第二财务帐户可以是保险公司或其他报销方的财务账户。计费服务器还确定对应于第一金融账户的报销金额。第二个财务帐户收取报销金额。因此，一部分或全部交易金额由偿付方支付。第二个财务帐户只有在偿还规定得到满足的情况下才会被收取。例如，只有在某些类型的商家进行的购买可能会被报销。此外，计费服务器可以在对第二金融账户收费之前首先请求批准。

9. 发明申请

US20080201194A1 METHOD AND APPARATUS FOR DEFINING ROUTING OF CUSTOMERS BETWEEN MERCHANTS 有权
标题翻译：用于定义商品间客户路由的方法和装置
公开(公告)号：US20080201194A1
公开(公告)日：2008-08-21
申请号：US12111637
申请日：2008-04-29
申请人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
发明人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
IPC分类号： G06Q30/00 , G06Q10/00
CPC分类号： G06Q30/0231 , G06Q10/06311 , G06Q10/06316 , G06Q20/20 , G06Q20/204 , G06Q20/387 , G06Q30/02 , G06Q30/0201 , G06Q30/0211 , G06Q30/0219 , G06Q30/0235 , G06Q30/0236 , G06Q30/0238 , G06Q30/0239 , G06Q30/0601 , G06Q30/0611 , G06Q40/04 , G07G1/14
摘要： A server or Internet service provider computer selects a soliciting merchant and an outputting merchant based on various factors. In one embodiment, the soliciting merchant is selected is its activity rate (e.g. sales rate) is low. The outputting merchant provides offers for bonuses to customers on behalf of the soliciting merchant. The bonus is provided to the customer in exchange for consummating a transaction with the soliciting merchant. Thus, the soliciting merchant benefits from the increased patronage such offers encourage.
摘要翻译：服务器或因特网服务提供商计算机根据各种因素选择一个招揽商家和一个输出商家。在一个实施例中，所选择的商户是其活动率（例如销售率）低。出货商代表征求商家向客户提供奖金。向客户提供奖金，以换取与征求商家完成交易。因此，征求商人受益于这种提供鼓励的增加的惠顾。

10. 发明授权

US07383200B1 Method and apparatus for collecting and categorizing data at a terminal 有权
标题翻译：在终端收集和分类数据的方法和装置
公开(公告)号：US07383200B1
公开(公告)日：2008-06-03
申请号：US09609931
申请日：2000-06-30
申请人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , John B. Dickerson , Keith Bemer , Russell P. Sammon , Andrew P. Golden , Anna Rath , Magdalena Mik Fincham , Geoffrey M. Gelman
发明人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , John B. Dickerson , Keith Bemer , Russell P. Sammon , Andrew P. Golden , Anna Rath , Magdalena Mik Fincham , Geoffrey M. Gelman
IPC分类号： G06F17/30 , G07G1/00
CPC分类号： G06Q30/02 , G06Q10/063114 , G06Q10/06398 , G06Q30/0201 , G06Q30/0203 , G06Q30/0204
摘要： A method and system for collecting and categorizing survey data includes receiving customer information from a customer. A query is identified based at least in part on the customer information. The query is output for presentation to the customer. In one embodiment, the query is presented to the customer by prompting an employee, such as a clerk at a point-of-sale terminal, to verbally present the question to the customer. A customer response to the query is then received. The request from the customer may be, e.g., a request to purchase one or more products or it may be a request for assistance or information. The customer response is then captured and analyzed.
摘要翻译：用于收集和分类调查数据的方法和系统包括从客户接收客户信息。至少部分地基于客户信息来识别查询。输出查询以呈现给客户。在一个实施例中，通过促使诸如销售点终端的职员的雇员向客户口头提出问题来向客户呈现查询。然后接收到对查询的客户响应。来自客户的请求可以是例如购买一个或多个产品的请求，或者它可以是协助或信息的请求。然后捕获和分析客户响应。

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