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1. 发明申请

US20120316945A1 SYSTEM AND METHOD FOR PREPAID REWARDS 有权
标题翻译：预算奖励的系统和方法
公开(公告)号：US20120316945A1
公开(公告)日：2012-12-13
申请号：US13593204
申请日：2012-08-23
申请人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
发明人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0226 , G06Q20/28 , G06Q20/387 , G06Q30/02 , G06Q30/0215 , G06Q30/0234
摘要： A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers or credit to prepaid cards, in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentive discounts and/or credits to enrolled customers, along with notifying customers of other available incentive offers.
摘要翻译：系统和方法为卡会员客户提供奖励或忠诚奖励。该系统包括登记的卡会员客户数据库，注册的商家数据库，参与的商家报价数据库和注册的卡处理器。注册卡会员客户数据库包括注册在忠诚度激励计划中的卡会员客户的交易账户。如果购买资格获得退款信用，则注册卡处理器将提供退款信用卡给注册卡会员客户的帐户。注册卡处理器还提供电子通知奖励优惠或信用卡到预付卡，以响应符合特定商家标准的购买。该系统为商家提供优惠券方式，为注册客户提供奖励折扣和/或信贷，以及通知客户其他可用的奖励优惠。

2. 发明授权

US09558505B2 System and method for prepaid rewards 有权
标题翻译：预付奖励的制度和方法
公开(公告)号：US09558505B2
公开(公告)日：2017-01-31
申请号：US12857424
申请日：2010-08-16
申请人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
发明人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
IPC分类号： G06Q30/00 , G06Q30/02 , G06Q20/28 , G06Q20/38
CPC分类号： G06Q30/0226 , G06Q20/28 , G06Q20/387 , G06Q30/02 , G06Q30/0215 , G06Q30/0234
摘要： A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers or credit to prepaid cards, in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentive discounts and/or credits to enrolled customers, along with notifying customers of other available incentive offers.
摘要翻译：系统和方法为卡会员客户提供奖励或忠诚奖励。该系统包括登记的卡会员客户数据库，注册的商家数据库，参与的商家报价数据库和注册的卡处理器。注册卡会员客户数据库包括注册在忠诚度激励计划中的卡会员客户的交易账户。登记的商家数据库包括参与忠诚度激励计划的商家名单。参与商户报价数据库包括来自参与商家的忠诚度激励报价。注册卡处理器接收由注册的卡会员客户用注册的商家进行的购买的收费记录，并使用费用记录来确定购买是否符合来自注册的商家的折扣优惠的退款信用。如果购买资格获得退款信用，则注册卡处理器将提供退款信用卡给注册卡会员客户的帐户。注册卡处理器还提供电子通知奖励优惠或信用卡到预付卡，以响应符合特定商家标准的购买。该系统为商家提供优惠券方式，为注册客户提供奖励折扣和/或信贷，以及通知客户其他可用的奖励优惠。

3. 发明授权

US09613361B2 System and method for E-mail based rewards 有权
公开(公告)号：US09613361B2
公开(公告)日：2017-04-04
申请号：US12857389
申请日：2010-08-16
申请人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
发明人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
IPC分类号： G06Q30/00 , G06Q30/02 , G06Q20/38
CPC分类号： G06Q30/02 , G06Q20/387 , G06Q30/0226 , G06Q30/0234
摘要： A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers or credit to prepaid cards, in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentive discounts and/or credits to enrolled customers, along with notifying customers of other available incentive offers.

4. 发明授权

US09412102B2 System and method for prepaid rewards 有权
标题翻译：预付奖励的制度和方法
公开(公告)号：US09412102B2
公开(公告)日：2016-08-09
申请号：US13593204
申请日：2012-08-23
申请人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
发明人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
IPC分类号： G06Q30/00 , G06Q20/28 , G06Q30/02 , G06Q20/38
CPC分类号： G06Q30/0226 , G06Q20/28 , G06Q20/387 , G06Q30/02 , G06Q30/0215 , G06Q30/0234
摘要： A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers or credit to prepaid cards, in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentive discounts and/or credits to enrolled customers, along with notifying customers of other available incentive offers.
摘要翻译：系统和方法为卡会员客户提供奖励或忠诚奖励。该系统包括登记的卡会员客户数据库，注册的商家数据库，参与的商家报价数据库和注册的卡处理器。注册卡会员客户数据库包括注册在忠诚度激励计划中的卡会员客户的交易账户。如果购买资格获得退款信用，则注册卡处理器将提供退款信用卡给注册卡会员客户的帐户。注册卡处理器还提供电子通知奖励优惠或信用卡到预付卡，以响应符合特定商家标准的购买。该系统为商家提供优惠券方式，为注册客户提供奖励折扣和/或信贷，以及通知客户其他可用的奖励优惠。

5. 发明申请

US20120221391A1 SYSTEM AND METHOD FOR E-MAIL BASED REWARDS 审中-公开
标题翻译：基于电子邮件的奖励的系统和方法
公开(公告)号：US20120221391A1
公开(公告)日：2012-08-30
申请号：US13466412
申请日：2012-05-08
申请人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
发明人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
IPC分类号： G06Q30/02 , G06Q20/40 , G06Q30/06
CPC分类号： G06Q30/02 , G06Q20/387 , G06Q30/0226 , G06Q30/0234
摘要： A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with an offer. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentives to customers, and notify customers of other available offers.
摘要翻译：系统和方法为卡会员客户提供奖励或忠诚奖励。该系统包括登记的卡会员客户数据库，注册的商家数据库，参与的商家报价数据库和注册的卡处理器。注册卡处理器由注册卡会员客户收到用注册商家进行的购买的收费记录，并使用费用记录来确定购买是否符合报价的退款信用。如果购买资格获得退款信用，则注册卡处理器将提供退款信用卡给注册卡会员客户的帐户。注册卡处理器还提供响应于符合特定商家标准的购买的回馈优惠的电子通知。该系统为商家提供优惠券方式，为客户提供奖励，并通知客户其他可用的优惠。

6. 发明申请

US20110022455A1 System and Method for E-Mail Based Rewards 有权
标题翻译：电子邮件奖励制度与方法
公开(公告)号：US20110022455A1
公开(公告)日：2011-01-27
申请号：US12857389
申请日：2010-08-16
申请人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
发明人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/387 , G06Q30/0226 , G06Q30/0234
摘要： A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers or credit to prepaid cards, in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentive discounts and/or credits to enrolled customers, along with notifying customers of other available incentive offers.
摘要翻译：系统和方法为卡会员客户提供奖励或忠诚奖励。该系统包括登记的卡会员客户数据库，注册的商家数据库，参与的商家报价数据库和注册的卡处理器。注册卡会员客户数据库包括注册在忠诚度激励计划中的卡会员客户的交易账户。登记的商家数据库包括参与忠诚度激励计划的商家名单。参与商户报价数据库包括来自参与商家的忠诚度激励报价。注册卡处理器接收由注册的卡会员客户用注册的商家进行的购买的收费记录，并使用费用记录来确定购买是否符合来自注册的商家的折扣优惠的退款信用。如果购买资格获得退款信用，则注册卡处理器将提供退款信用卡给注册卡会员客户的帐户。注册卡处理器还提供电子通知奖励优惠或信用卡到预付卡，以响应符合特定商家标准的购买。该系统为商家提供优惠券方式，为注册客户提供奖励折扣和/或信贷，以及通知客户其他可用的奖励优惠。

7. 发明申请

US20100312629A1 System and Method for Prepaid Rewards 有权
标题翻译：系统和方法的预付奖励
公开(公告)号：US20100312629A1
公开(公告)日：2010-12-09
申请号：US12857424
申请日：2010-08-16
申请人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
发明人： David Wolf , Sripriya V. Tiku , Scott M. Roen , Jennifer M. Russo
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0226 , G06Q20/28 , G06Q20/387 , G06Q30/02 , G06Q30/0215 , G06Q30/0234
摘要： A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers or credit to prepaid cards, in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentive discounts and/or credits to enrolled customers, along with notifying customers of other available incentive offers.
摘要翻译：系统和方法为卡会员客户提供奖励或忠诚奖励。该系统包括登记的卡会员客户数据库，注册的商家数据库，参与的商家报价数据库和注册的卡处理器。注册卡会员客户数据库包括注册在忠诚度激励计划中的卡会员客户的交易账户。登记的商家数据库包括参与忠诚度激励计划的商家名单。参与商户报价数据库包括来自参与商家的忠诚度激励报价。注册卡处理器接收由注册的卡会员客户用注册的商家进行的购买的收费记录，并使用费用记录来确定购买是否符合来自注册的商家的折扣优惠的退款信用。如果购买资格获得退款信用，则注册卡处理器将提供退款信用卡给注册卡会员客户的帐户。注册卡处理器还提供电子通知奖励优惠或信用卡到预付卡，以响应符合特定商家标准的购买。该系统为商家提供优惠券方式，为注册客户提供奖励折扣和/或信贷，以及通知客户其他可用的奖励优惠。

8. 发明授权

US08849699B2 Systems and methods for targeting ad impressions 有权
标题翻译：定位广告展示的系统和方法
公开(公告)号：US08849699B2
公开(公告)日：2014-09-30
申请号：US13245636
申请日：2011-09-26
申请人： Sastry VSM Durvasula , Lucas Saunders Gebb , Rachna R. Govani , Priyadarshini Koul , Sarah Claire Peltier , Stephanie Schultz , Sripriya V. Tiku
发明人： Sastry VSM Durvasula , Lucas Saunders Gebb , Rachna R. Govani , Priyadarshini Koul , Sarah Claire Peltier , Stephanie Schultz , Sripriya V. Tiku
IPC分类号： G06Q30/00 , G06Q30/02
CPC分类号： G06Q30/0246 , G06Q30/0241 , G06Q30/0242 , G06Q30/0243
摘要： The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request.
摘要翻译：本公开包括用于定位广告展示的系统，方法和制品。客户记录列表可以被发送到服务提供商系统，该系统识别匹配的客户，并且在与匹配的客户相关联的网络客户端上安装cookie。该系统还可以从商家接收广告系列请求，并将该活动请求发送给服务提供商系统，该系统可以基于广告系列请求向Cookie添加标志，并且指示媒体购买者系统针对根据标志匹配客户。该系统还可以接收与接收到广告印象的匹配顾客相关联的支出，并且将支出与与没有接收到有针对性的广告展示的客户相关联的支出进行比较，但是适合与该活动请求相关联的参数。

9. 发明申请

US20120203604A1 SYSTEMS AND METHODS FOR PROVIDING LOCATION BASED COUPON-LESS OFFERS TO REGISTERED CARD MEMBERS 有权
标题翻译：用于向注册卡会员提供基于位置的低价优惠的系统和方法
公开(公告)号：US20120203604A1
公开(公告)日：2012-08-09
申请号：US13021237
申请日：2011-02-04
申请人： Miles Baker , Diane Derocher , Sastry VSM Durvasula , Sherree Newhouse , Manjushri H. Puranik , Sripriya V. Tiku
发明人： Miles Baker , Diane Derocher , Sastry VSM Durvasula , Sherree Newhouse , Manjushri H. Puranik , Sripriya V. Tiku
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0207 , G06Q30/0234 , G06Q30/0259 , G06Q30/0261
摘要： The system provides location based coupon-less offers based upon a location of a card member (CM). A location of a CM may be determined based upon one or more of a travel itinerary, a GPS signal, a proximity of a mobile communication device to a cellular base station, and/or a zip code. An offer from a merchant registered to provide coupon-less offers may be transmitted to a mobile communication device based upon the location. An offer, once accepted by a CM, may be matched to a record of charge associated with a transaction account held by the CM. A credit may be applied to the CM's transaction account and a debit may be applied to a transaction account of the registered merchant. One or more offer categories and/or one or more offer category classes may be transmitted to the mobile communication device based upon the CM's location.
摘要翻译：该系统基于卡片（CM）的位置提供基于位置的优惠券优惠。 CM的位置可以基于旅行行程，GPS信号，移动通信设备到蜂窝基站的接近度和/或邮政编码中的一个或多个来确定。基于该位置，可以将登记为提供无息优惠的商家的报价发送到移动通信装置。一旦CM接受的报价可能与CM持有的交易账户相关的费用记录相匹配。可以向CM的交易账户申请贷方，借记可以应用于注册商家的交易账户。可以基于CM的位置将一个或多个提供类别和/或一个或多个提供类别类别发送到移动通信设备。

10. 发明授权

US09665880B2 Loyalty incentive program using transaction cards 有权
公开(公告)号：US09665880B2
公开(公告)日：2017-05-30
申请号：US13476910
申请日：2012-05-21
申请人： Ruth L. Aloni , Benzion T. Axelrod , Jean L. Bowman , Jack J. Funda , Jonathan S. Polon , Sripriya V. Tiku
发明人： Ruth L. Aloni , Benzion T. Axelrod , Jean L. Bowman , Jack J. Funda , Jonathan S. Polon , Sripriya V. Tiku
IPC分类号： G06Q30/00 , G06Q30/02 , G06Q20/10
CPC分类号： G06Q30/0226 , G06Q20/10 , G06Q30/02 , G06Q30/0222 , G06Q30/0234 , G06Q30/0236 , G06Q30/0238
摘要： A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.

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