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1. 发明授权

US08965784B2 Reward exchange method and system implementing data collection and analysis 有权
标题翻译：奖励交换方法和系统实施数据收集和分析
公开(公告)号：US08965784B2
公开(公告)日：2015-02-24
申请号：US13076216
申请日：2011-03-30
申请人： Richard Postrel
发明人： Richard Postrel
IPC分类号： G06Q30/00 , G06Q30/02 , G05B19/418
CPC分类号： G06Q30/0207 , G06Q30/02 , G06Q30/0224 , G06Q30/0233 , G06Q30/0236
摘要： A method of operating a data collection and analysis system. An exchange computer receives customer identification data associated with a customer. A quantitative analysis algorithm determines whether the exchange computer has received an amount of customer identification data sufficient for the customer to be uniquely identified, and if so, then a linking service computer or a plurality of remote database computers perform a qualitative analysis algorithm with the customer identification data to determine if the customer identification data is sufficient for the customer to be uniquely identified. If the qualitative analysis algorithm passes, then customer information may be retrieved from the remote databases and collated and analyzed at the exchange computer. The customer may automatically register with reward programs using already-entered user information. A data analysis embodiment enables offers to be generated that are tailored towards specific users.
摘要翻译：一种操作数据采集和分析系统的方法。交换计算机接收与客户相关联的客户识别数据。定量分析算法确定交换计算机是否已经接收到足以使客户唯一标识的客户识别数据量，如果是，则链接服务计算机或多个远程数据库计算机与客户执行定性分析算法识别数据，以确定客户识别数据是否足以使客户被唯一标识。如果定性分析算法通过，则可以从远程数据库检索客户信息，并在交换计算机上进行整理和分析。客户可以使用已经输入的用户信息自动注册奖励计划。数据分析实施例使得能够生成针对特定用户定制的报价。

2. 发明申请

US20140244371A1 METHOD AND SYSTEM FOR ISSUING, AGGREGATING AND REDEEMING MERCHANT REWARDS 审中-公开
标题翻译：用于发行，汇总和赎回商业奖励的方法和系统
公开(公告)号：US20140244371A1
公开(公告)日：2014-08-28
申请号：US14059721
申请日：2013-10-22
申请人： SIGNATURE SYSTEMS LLC
发明人： Richard Postrel
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0229 , G06Q30/02 , G06Q30/0207 , G06Q30/0226 , G06Q30/0233 , G06Q30/0238
摘要： A loyalty reward point system that utilizes the pre-existing infrastructure of a network such as a credit card network. A user makes a purchase at a merchant using a token such as a credit card. The user is awarded loyalty points from the merchant based on the amount of the purchase. The reward points, which are specific to the merchant and the user, are stored in a database at the issuing bank, the acquiring bank, or a central reward server. The user may redeem the reward points earned from the transaction with the merchant at a later time, or may redeem the points with another merchant in the same marketing cluster, or may aggregate those reward points with those of other merchants into a reward point exchange account, and then redeem the aggregated reward points for goods or services from any approved merchant on the network.
摘要翻译：忠诚奖励点系统，利用网络的预先存在的基础设施，如信用卡网络。用户使用诸如信用卡的令牌在商家进行购买。用户根据购买金额从商家获得积分。特定于商家和用户的奖励点存储在开证行，收单银行或中央报酬服务器的数据库中。用户可以在稍后的时间兑换与商家的交易获得的积分，或者可以在同一营销集群中的另一个商家兑换积分，或者可以将其他商户的奖励积分与奖励积分兑换账户，然后从网络上的任何已批准的商家兑换商品或服务的汇总积分。

3. 发明授权

US08725564B2 Method and system for electronic exchange of reward points 有权
标题翻译：奖励积分电子交换的方法和系统
公开(公告)号：US08725564B2
公开(公告)日：2014-05-13
申请号：US13855239
申请日：2013-04-02
申请人： Signature Systems LLC
发明人： Richard Postrel
IPC分类号： G06Q30/00 , G06Q30/02
CPC分类号： G06Q30/0226 , G06Q20/06 , G06Q20/12 , G06Q20/22 , G06Q20/343 , G06Q30/02 , G06Q30/0207 , G06Q30/0208 , G06Q30/0209 , G06Q30/0212 , G06Q30/0215 , G06Q30/0222 , G06Q30/0223 , G06Q30/0225 , G06Q30/0227 , G06Q30/0228 , G06Q30/0229 , G06Q30/0233 , G06Q30/0236 , G06Q30/0239 , G06Q30/06 , G06Q40/04 , G07F17/3255
摘要： A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from the reward servers and credits the accumulated points rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access.
摘要翻译：一种用于操作奖励积分和兑换程序的系统和方法，其中用户从多个独立奖励发行实体获得奖励，每个跟踪用户获得的奖励。交易服务器从奖励服务器累积部分或全部用户获得的奖励，并将累积积分奖励记入与用户相关联的单个奖励交换账户中。然后，用户可以用累积的奖励来选择要购买的物品。该项目被提供给用户以换取一个子集或所有的奖励。奖励积分也可以兑换为兑换服务，例如播放视频游戏或上网。

4. 发明申请

US20140052628A1 PORTABLE HAND-HELD MULTIFUNCTION DEVICE WITH MULTIPLE TRANSACTION ACCOUNTS 有权
标题翻译：具有多个交易账户的便携式手持式多功能设备
公开(公告)号：US20140052628A1
公开(公告)日：2014-02-20
申请号：US14057058
申请日：2013-10-18
申请人： SIGNATURE SYSTEMS LLC
发明人： Richard Postrel
IPC分类号： G06Q20/34
CPC分类号： G06Q30/0227 , G06Q20/105 , G06Q20/204 , G06Q20/227 , G06Q20/24 , G06Q20/26 , G06Q20/32 , G06Q20/34 , G06Q20/341 , G06Q20/3572 , G06Q20/3574 , G06Q20/387 , G06Q30/00 , G06Q30/02 , G06Q30/0207 , G06Q30/0223 , G06Q30/0224 , G06Q30/0226 , G06Q30/0229 , G06Q30/0231 , G06Q30/0233 , G06Q30/0238 , G06Q30/0239 , G06Q40/00 , H04L67/306
摘要： A portable hand-held multi-function device, such as a smart card or other peripheral device, and method of using same for purchase transactions. The device has processing circuitry, program storage, data memory, and a user input device. A plurality of transaction applications are stored in the data memory. The processing circuitry is programmed via instructions in the program storage to use, as a result of a user selection received via the user input device, one of the plurality of transaction applications for making payment for a purchase from a merchant in a purchase transaction.
摘要翻译：诸如智能卡或其他外围设备的便携式手持式多功能设备及其使用方法用于购买交易。该设备具有处理电路，程序存储，数据存储器和用户输入设备。多个交易应用程序存储在数据存储器中。处理电路通过程序存储器中的指令被编程，作为通过用户输入设备接收的用户选择的结果，用于在购买交易中从商家进行购买的多个交易应用中的一个。

5. 发明授权

US08600807B1 Method and system for electronic exchange of reward points 失效
公开(公告)号：US08600807B1
公开(公告)日：2013-12-03
申请号：US13783588
申请日：2013-03-04
申请人： Signature Systems LLC
发明人： Richard Postrel
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0226 , G06Q20/06 , G06Q20/12 , G06Q20/22 , G06Q20/343 , G06Q30/02 , G06Q30/0207 , G06Q30/0208 , G06Q30/0209 , G06Q30/0212 , G06Q30/0215 , G06Q30/0222 , G06Q30/0223 , G06Q30/0225 , G06Q30/0227 , G06Q30/0228 , G06Q30/0229 , G06Q30/0233 , G06Q30/0236 , G06Q30/0239 , G06Q30/06 , G06Q40/04 , G07F17/3255
摘要： A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from the reward servers and credits the accumulated points rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access.

6. 发明申请

US20130191202A1 METHOD AND SYSTEM FOR A REWARD POINT EXCHANGE WITH ISSUER-MERCHANT REDEMPTIONS 审中-公开
标题翻译：具有发行人赎回权的汇兑点交换的方法和系统
公开(公告)号：US20130191202A1
公开(公告)日：2013-07-25
申请号：US13755603
申请日：2013-01-31
申请人： SIGNATURE SYSTEMS LLC
发明人： Richard Postrel
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0226 , G06Q30/02 , G06Q30/0228 , G06Q30/0233 , Y02P90/265
摘要： An online reward exchange system, including an exchange computer that interoperates with user computers, reward point issuer computers, and merchant computers. The merchants' products may be purchased by a user by requesting via a user computer, merchant's point of sale device, or mobile device an issuer(s) to redeem reward points in exchange for payment to the merchant for the product. The exchange computer manages various transactions such as providing online product catalogs to users that list the merchants products, as well as displaying to the user the reward points he has available in his reward programs with the issuers. Once a user selects a desired product the exchange computer can mediate or manage the purchase transaction in which reward points are redeemed by the selected issuer and consideration is conveyed to the merchant in exchange for the product.
摘要翻译：在线奖励交换系统，包括与用户计算机交互操作的交换计算机，奖励点发行者计算机和商用计算机。商户的产品可以由用户通过用户计算机，商家的销售点设备或移动设备发出的请求来兑换奖励积分，以换取对商品的商品的付款。交换计算机管理各种交易，例如向列出商家产品的用户提供在线产品目录，以及向用户显示他在发行人的奖励计划中可获得的奖励积分。一旦用户选择所需的产品，交换计算机可以调解或管理所选择的发行者兑换奖励积分的购买交易，并且将代价传达给商家以换取产品。

7. 发明授权

US08433610B2 Reward exchange method and system for executing a trading agreement between merchants and issuers 有权
标题翻译：奖励交易方式和制度，以执行商人与发行人之间的交易协议
公开(公告)号：US08433610B2
公开(公告)日：2013-04-30
申请号：US13443107
申请日：2012-04-10
申请人： Richard David Postrel
发明人： Richard David Postrel
IPC分类号： G06Q30/00 , G05B19/418
CPC分类号： G06Q30/0226 , G06Q30/02 , G06Q30/0228 , G06Q30/0233 , Y02P90/265
摘要： An online reward exchange system including an exchange computer that interoperates with user computers, reward point issuer computers, and merchant computers. The merchants' products may be purchased by a user by requesting via a user computer, merchant's point of sale device, or mobile device an issuer(s) to redeem reward points in exchange for payment to the merchant. The exchange computer is the gateway to the system and manages various transactions such as providing online product catalogs to users that list the merchants products, as well as displaying to the user the reward points available in his reward programs with the issuers. Once a user selects a desired product the exchange computer can mediate or manage the purchase transaction in which reward points are redeemed by the selected issuer and consideration is conveyed to the merchant in exchange for the merchant providing the product to the user.
摘要翻译：一种在线奖励交换系统，包括与用户计算机，奖励发行者计算机和商用计算机互操作的交换计算机。商家的产品可以由用户通过用户计算机，商家的销售点设备或移动设备发出的请求来兑换奖励积分，以换取对商家的支付。交换计算机是通往系统的网关，并管理各种交易，例如向列出商品产品的用户提供在线产品目录，以及向用户显示他们与发行商的奖励计划中可用的奖励积分。一旦用户选择期望的产品，交换计算机可以调解或管理所选择的发行者兑换奖励积分的购买交易，并且考虑被传送给商家以换取向用户提供产品的商家。

8. 发明申请

US20130006740A1 METHOD AND SYSTEM FOR PROVIDING REWARDS TO A PORTABLE COMPUTING DEVICE AT THE POINT OF SALE 有权
标题翻译：在销售点向便携式计算设备提供奖励的方法和系统
公开(公告)号：US20130006740A1
公开(公告)日：2013-01-03
申请号：US13607098
申请日：2012-09-07
申请人： Richard Postrel
发明人： Richard Postrel
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0227 , G06Q20/105 , G06Q20/204 , G06Q20/227 , G06Q20/24 , G06Q20/26 , G06Q20/32 , G06Q20/34 , G06Q20/341 , G06Q20/3572 , G06Q20/3574 , G06Q20/387 , G06Q30/00 , G06Q30/02 , G06Q30/0207 , G06Q30/0223 , G06Q30/0224 , G06Q30/0226 , G06Q30/0229 , G06Q30/0231 , G06Q30/0233 , G06Q30/0238 , G06Q30/0239 , G06Q40/00 , H04L67/306
摘要： A method of providing rewards to a user by storing, in a portable computing device, user profile data which may be accessed by a merchant terminal only if allowed by the user. A merchant terminal interacts with the portable computing device by accessing the user profile data from the portable computing device if allowed by the user, and providing the user with a reward in accordance with the user profile data allowed by the user to be accessed by the merchant terminal, wherein the merchant terminal provides a relatively greater reward to the user when the user allows relatively more user profile data to be accessed by the merchant terminal and a relatively lesser reward to the user when the user allows relatively less data to be accessed by the merchant terminal.
摘要翻译：通过在便携式计算设备中存储用户简档数据来向用户提供奖励的方法，所述用户简档数据只有在用户允许的情况下才能被商务终端访问。商家终端如果用户允许，则通过从便携式计算设备访问用户简档数据来与便携式计算设备进行交互，并且根据用户允许的由商家访问的用户简档数据向用户提供奖励终端，其中当用户允许相对更多的用户简档数据被商家终端访问时，商家终端向用户提供相对较大的奖励，并且当用户允许用户允许相对较少的数据被商人码头。

9. 发明授权

US08195507B2 Method and system for using multi-function cards for storing, managing and aggregating reward points 有权
标题翻译：使用多功能卡存储，管理和汇总积分的方法和系统
公开(公告)号：US08195507B2
公开(公告)日：2012-06-05
申请号：US12726505
申请日：2010-03-18
申请人： Richard Postrel
发明人： Richard Postrel
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0227 , G06Q20/105 , G06Q20/204 , G06Q20/227 , G06Q20/24 , G06Q20/26 , G06Q20/32 , G06Q20/34 , G06Q20/341 , G06Q20/3572 , G06Q20/3574 , G06Q20/387 , G06Q30/00 , G06Q30/02 , G06Q30/0207 , G06Q30/0223 , G06Q30/0224 , G06Q30/0226 , G06Q30/0229 , G06Q30/0231 , G06Q30/0233 , G06Q30/0238 , G06Q30/0239 , G06Q40/00 , H04L67/306
摘要： A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card.
摘要翻译：一种用于操作奖励积分和兑换程序的系统和方法，其中用户从多个独立奖励积分发行实体获得奖励积分，每个跟踪用户存储在多功能卡上的用户奖励积分奖励积分（如常旅客帐号或信用卡忠诚帐户）。多功能卡适用于从奖励账户中收集用户所赚取积分的一部分或全部积分，并将汇总积分信用于多功能卡上的单个奖励交换账户。然后，用户可以从多功能卡中用累积的积分点选择要购买的物品。该项目被提供给用户以换取来自多功能卡的一个或多个奖赏积分。

10. 发明申请

US20120041812A1 METHOD AND SYSTEM FOR USING REWARD POINTS TO LIQUIDATE PRODUCTS 有权
公开(公告)号：US20120041812A1
公开(公告)日：2012-02-16
申请号：US13219826
申请日：2011-08-29
申请人： Richard Postrel
发明人： Richard Postrel
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0233 , G06Q20/102 , G06Q30/02 , G06Q30/0226 , G06Q30/0228 , G06Q40/00
摘要： A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points are to be used towards the purchase of the liquidated product. The transacting entity acts to decrease the number of reward points in the user's reward account by the required number of points. The reward account holder conveys consideration to the transacting entity equivalent to the par value of the reward points consumer obtains the product in exchange for reward points having a retail value equivalent to what he would have otherwise paid for the product, while the reward account holder is required to convey only the par value of the points. The product provider is able to liquidate the product and obtain payment equivalent to what it would otherwise have obtained in a prior art liquidation process, auction or trading environment.

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