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1. 发明授权

US06345261B1 Customer loyalty investment program 有权
标题翻译：客户忠诚度投资计划
公开(公告)号：US06345261B1
公开(公告)日：2002-02-05
申请号：US09400417
申请日：1999-09-30
申请人： Robert S. Feidelson , C. Eric Peters , Timothy C. Parrott , Joseph P. Larizza
发明人： Robert S. Feidelson , C. Eric Peters , Timothy C. Parrott , Joseph P. Larizza
IPC分类号： G06F1760
CPC分类号： G06Q30/02 , G06Q20/387 , G06Q30/0215 , G06Q30/0216 , G06Q30/0219 , G06Q30/0226 , G06Q30/0234 , G06Q30/0236 , G06Q30/0239 , G06Q40/00 , G06Q40/06 , G07G1/0036
摘要： The present invention is directed to a customer loyalty investment program system and method where purchase rebates are used to provide the customer with an important fund including merchant securities. The system illustratively includes a web server containing a web site and a database server containing a member information, merchant information, fund information, purchase/rebate information, on-line financial products/services information, and an input/output means. The method may include negotiating rebate percentages with merchants, registering members, receiving rebates from the merchants based on member purchases, investing the rebates in the fund, including securities of at least one merchant, and issuing shares in the fund to members based on rebates received as a result of their respective purchases. Advantageously, the composition of the fund preferably reflects the rebates received from the merchants. In the credit card embodiment, rebates may be received from both a credit card issuer and merchants agreeing to provide rebates based on member purchases using the credit card.
摘要翻译：本发明涉及一种客户忠诚度投资程序系统和方法，其中采购回扣用于向客户提供包括商业证券在内的重要资金。该系统示例性地包括包含网站的web服务器和包含成员信息，商家信息，资金信息，购买/回扣信息，在线金融产品/服务信息和输入/输出装置的数据库服务器。该方法可以包括与商家谈判回扣百分比，注册会员，基于会员购买从商家接收退款，将退款投资在基金中，包括至少一个商家的证券，以及基于收到的回扣向该会员发行股票作为其各自购买的结果。有利地，基金的组成优选地反映从商家收到的回扣。在信用卡实施例中，可以从信用卡发行商和同意根据使用信用卡的会员购买提供折扣的商家收到回扣。

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