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    METHOD AND SYSTEM FOR USING REWARD POINTS TO LIQUIDATE PRODUCTS
    22.
    发明申请
    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

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G06Q30/02

    CPC classification number: G06Q30/0233 ,  G06Q20/102 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/0228 ,  G06Q40/00

    Abstract: 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.

    SYSTEM AND METHOD FOR CENTRALIZED MANAGEMENT AND MONITORING OF HEALTHCARE SERVICES
    24.
    发明申请
    SYSTEM AND METHOD FOR CENTRALIZED MANAGEMENT AND MONITORING OF HEALTHCARE SERVICES 审中-公开
    用于中心管理和监测医疗服务的系统和方法

    公开(公告)号：US20110153659A1

    公开(公告)日：2011-06-23

    申请号：US13038610

    申请日：2011-03-02

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G06F17/30

    CPC classification number: G06Q10/10 ,  G06Q50/22 ,  G06Q50/24

    Abstract: A method of operating a centralized healthcare management system that includes a data translation map database and a central interpolation server computer interconnected to a computer network. The central server references a data translation map database for a desired translation map that enables the central interpolation server to translate data records from a source format to a destination format.

    Abstract translation: 一种操作集中式医疗管理系统的方法，该系统包括数据转换地图数据库和与计算机网络互连的中央插值服务器计算机。 中央服务器引用数据转换地图数据库，用于所需的翻译图，使得中央插值服务器可以将数据记录从源格式转换为目标格式。

    REWARD EXCHANGE METHOD AND SYSTEM WITH CONTROL OF EXCHANGED REWARDS AND MONETARY CONSIDERATION
    25.
    发明申请
    REWARD EXCHANGE METHOD AND SYSTEM WITH CONTROL OF EXCHANGED REWARDS AND MONETARY CONSIDERATION 有权
    控制交换奖励和金融考虑的奖励交换方法和系统

    公开(公告)号：US20110153403A1

    公开(公告)日：2011-06-23

    申请号：US12942710

    申请日：2010-11-09

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G06Q30/00

    CPC classification number: G06Q30/0233 ,  G06Q30/02 ,  G06Q30/0228 ,  G06Q30/0238 ,  G06Q30/0239

    Abstract: An item may be purchased using a combination of rewards and monetary consideration, wherein a maximum allowable reward payment portion (or correspondingly a minimum monetary consideration amount) is established by the merchant, the reward issuer, or an online reward exchange operator. The user may select, using for example a user interface slider control, the desired number of rewards to redeem (up to the maximum allowable amount) and the corresponding monetary consideration portion is displayed. The transaction may then be executed wherein the selected rewards are redeemed and the balance is paid for with the corresponding monetary consideration.

    Abstract translation: 可以使用奖励和货币考虑的组合购买物品，其中由商家，奖励发行者或在线奖励交换运营商建立最大允许奖励支付部分（或相应地最小货币对价金额）。 用户可以使用例如用户界面滑块控制来选择要兑换的所需奖励数量（最大允许量），并且显示相应的货币考虑部分。 然后可以执行交易，其中所选择的奖励被兑换并且以相应的货币代价支付余额。

    METHOD AND SYSTEM FOR ISSUING, AGGREGATING AND REDEEMING MERCHANT REWARDS
    26.
    发明申请
    METHOD AND SYSTEM FOR ISSUING, AGGREGATING AND REDEEMING MERCHANT REWARDS 审中-公开
    用于发行，汇总和赎回商业奖励的方法和系统

    公开(公告)号：US20110010238A1

    公开(公告)日：2011-01-13

    申请号：US12819636

    申请日：2010-06-21

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G06Q30/00

    CPC classification number: G06Q30/0229 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0226 ,  G06Q30/0233 ,  G06Q30/0238

    Abstract: A loyalty reward point system that utilizes the pre-existing infrastructure of 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 (e.g. 100 points for a $100 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, depending on the configuration of the system.

    Abstract translation: 忠实奖励点系统，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中获得积分（例如100美元购买100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 ，然后根据系统的配置，从网络上任何已批准的商家兑换商品或服务的汇总积分。

    Method and system for using reward points to liquidate products
    28.
    发明授权
    Method and system for using reward points to liquidate products 有权
    使用奖励积分清算产品的方法和制度

    公开(公告)号：US07761378B2

    公开(公告)日：2010-07-20

    申请号：US12105751

    申请日：2008-04-18

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G06Q40/00

    CPC classification number: G06Q30/02 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/0207 ,  G06Q30/0226 ,  G06Q30/0234 ,  G06Q30/0238 ,  G06Q30/0239 ,  G06Q30/0241

    Abstract: 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. The 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.

    Abstract translation: 用户选择要从产品供应商清算的产品，然后将交易实体指定为要用于购买清算产品的奖励积分。 交易实体的作用是将用户奖励账户中的积分数减少所需的积分数。 奖励账户持有人将交易对象转达给等价于奖励积分的面值的交易实体。 消费者获得产品作为交换与零售价值相当于其他产品所支付的零售价值的奖励积分，而奖励账户持有者必须仅传达积分的面值。 产品提供商能够清算产品并获得与现有技术清算过程，拍卖或交易环境中将获得的相当的付款。

    METHOD AND SYSTEM FOR USING REWARD POINTS TO LIQUIDATE PRODUCTS
    29.
    发明申请
    METHOD AND SYSTEM FOR USING REWARD POINTS TO LIQUIDATE PRODUCTS 有权

    公开(公告)号：US20080195494A1

    公开(公告)日：2008-08-14

    申请号：US12105751

    申请日：2008-04-18

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G06Q30/00

    CPC classification number: G06Q30/02 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/0207 ,  G06Q30/0226 ,  G06Q30/0234 ,  G06Q30/0238 ,  G06Q30/0239 ,  G06Q30/0241

    Abstract: Product providers are able to liquidate goods via a transacting entity such as a liquidation broker which acts to exchange a user's reward points for the liquidated goods in a manner that is transparent to both the redeeming user and the product provider. A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points, held by a reward account holder in a reward point account on the user's behalf, are to be used towards the purchase of the liquidated product in whole or in part. The transacting entity acts to decrease the number of reward points in the user's reward account, as either designated by the user or by a third party, 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. In this case, the consumer obtains the product in exchange for reward points having a retail value equivalent to what he would have otherwise paid for the product (a “reference price”), while the reward account holder is required to convey only the par value of the points (which is generally substantially less than the retail value of the points). The product provider is able to liquidate the product and obtain payment (the lower par value of the reward points) equivalent to what it would otherwise have obtained in a prior art liquidation process, auction or trading environment, but without having to go through a typically “liquidation process” with its accompanying brand devaluation and associated costs. The reward account holder is able to eliminate the liability of the reward points previously owed to the user, but pays far less (only at the lower par value) than the retail value of the points assigned by the user. The user may utilize reward points from a single reward points issuer, or he may aggregate points from multiple reward points issuing entities as described herein (cash and/or other consideration may also be combined with points as described herein).

    SYSTEM FOR ELECTRONIC BARTER, TRADING AND REDEEMING POINTS ACCUMULATED IN FREQUENT USE REWARD PROGRAMS
    30.
    发明申请
    SYSTEM FOR ELECTRONIC BARTER, TRADING AND REDEEMING POINTS ACCUMULATED IN FREQUENT USE REWARD PROGRAMS 有权
    电子银行系统，经常性利用计划中积累的交易和赎回点

    公开(公告)号：US20070226059A1

    公开(公告)日：2007-09-27

    申请号：US11532693

    申请日：2006-09-18

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G07G1/14

    CPC classification number: 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

    Abstract: A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of reward points issuing entities, each of the reward points issuing entities tracking the user's earned reward points in a user reward point account stored on a rewards server. A trading server accumulates the user's earned reward points from each of the reward servers interconnected over a network in association with consideration provided by the reward servers to the trading server and credits the accumulated points into a reward exchange account associated with the user. The user may then select an item for purchase from a merchant computer interconnected to the network. The merchant computer provides the item to the user in exchange for consideration received from said trading server, and the trading server reduces the number of points in the user's reward exchange account in accordance with the consideration provided to the merchant computer.

    Abstract translation: 一种用于操作奖励积分和兑换程序的系统和方法，其中用户从多个奖励点发行实体获得奖励积分，每个奖励积分发放实体跟踪用户积分奖励点中存储的用户奖励积分 奖励服务器。 交易服务器将来自与通过奖励服务器提供的考虑相关联的每个通过网络互连的奖励服务器的用户的获得奖励积分累积到交易服务器，并将积分点记入与用户相关联的奖励交换账户中。 然后，用户可以从与网络互连的商家计算机中选择要购买的物品。 商家计算机将该项目提供给用户以换取从所述交易服务器接收到的考虑，并且交易服务器根据提供给商家计算机的考虑，减少用户的奖励兑换账户中的点数。

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