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    • 4. 发明授权
    • Electronic system for selecting the best card from a collection of consumer credit, debit and discount cards
    • 电子系统从消费者信用卡,借记卡和折扣卡的集合中选择最佳卡
    • US08626655B2
    • 2014-01-07
    • US13467243
    • 2012-05-09
    • Raji L. AkellaMarion BehnenGuarav JainJames M. McArdle
    • Raji L. AkellaMarion BehnenGuarav JainJames M. McArdle
    • G06Q40/00
    • G06Q40/02G06Q20/10G06Q20/357G06Q30/02G06Q30/06
    • A method, system and computer program product for enabling completion of purchase transactions by retrieving purchase card information from an electronic database of consumer cards and applying the appropriate card to the transaction. The database, managed by a central card authority, stores client account information for cards such as debit, credit, phone, and discount cards, which are accessible via a unique, secure login/access credential, such as a username and password combination. During registration with the central card authority, a client classifies key/important factors to consider when performing purchases. The central card authority is accessed by the client during purchases from a retail facility and/or other purchasing environment. The central card authority automatically selects the best card to utilize during a purchase, after weighing the important purchasing factors related to the credit, debit, phone, and discount cards registered with the central card authority.
    • 一种方法,系统和计算机程序产品,用于通过从消费者卡的电子数据库检索购买卡信息并将适当的卡应用于交易来实现购买交易的完成。 由中央卡管理机构管理的数据库存储用于诸如借记卡,信用卡,电话卡和折扣卡的卡的客户帐户信息,这些信息可通过独特的安全登录/访问凭证(例如用户名和密码组合)访问。 在向中央卡机关注册期间,客户将执行购买时的关键/重要因素进行分类。 在从零售设施和/或其他购买环境购买时,客户可以访问中央卡局。 在中央卡机关登记的信用卡,借记卡,电话卡和折扣卡等重要采购因素之后,中央卡机关自动选择购买时使用的最佳卡。
    • 5. 发明授权
    • Electronic system for selecting the best card from a collection of consumer credit, debit, and discount cards
    • 电子系统从消费者信用卡,借记卡和折扣卡的集合中选择最佳卡
    • US08615467B2
    • 2013-12-24
    • US11936111
    • 2007-11-07
    • Raji L. AkellaMarion BehnenGaurav JainJames M. McArdle
    • Raji L. AkellaMarion BehnenGaurav JainJames M. McArdle
    • G06Q40/00
    • G06Q40/02G06Q20/10G06Q20/357G06Q30/02G06Q30/06
    • A method, system and computer program product for enabling completion of purchase transactions by retrieving purchase card information from an electronic database of consumer cards and applying the appropriate card to the transaction. The database, managed by a central card authority, stores client account information for cards such as debit, credit, phone, and discount cards, which are accessible via a unique, secure login/access credential, such as a username and password combination. During registration with the central card authority, a client classifies key/important factors to consider when performing purchases. The central card authority is accessed by the client during purchases from a retail facility and/or other purchasing environment. The central card authority automatically selects the best card to utilize during a purchase, after weighing the important purchasing factors related to the credit, debit, phone, and discount cards registered with the central card authority.
    • 一种方法,系统和计算机程序产品,用于通过从消费者卡的电子数据库检索购买卡信息并将适当的卡应用于交易来实现购买交易的完成。 由中央卡管理机构管理的数据库存储用于诸如借记卡,信用卡,电话卡和折扣卡的卡的客户帐户信息,这些信息可通过独特的安全登录/访问凭证(例如用户名和密码组合)访问。 在向中央卡机关注册期间,客户将执行购买时的关键/重要因素进行分类。 在从零售设施和/或其他购买环境购买时,客户可以访问中央卡局。 在中央卡机关登记的信用卡,借记卡,电话卡和折扣卡等重要采购因素之后,中央卡机关自动选择购买时使用的最佳卡。