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    METHOD AND SYSTEM FOR GENERATING LOCATION BASED PURCHASE INCENTIVES BASED ON PREDICTED ROUTE OF TRAVEL
    61.
    发明申请
    METHOD AND SYSTEM FOR GENERATING LOCATION BASED PURCHASE INCENTIVES BASED ON PREDICTED ROUTE OF TRAVEL 审中-公开
    基于预测路线的基于位置购买激励的方法和系统

    公开(公告)号：US20120271717A1

    公开(公告)日：2012-10-25

    申请号：US13371402

    申请日：2012-02-11

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G06Q30/02 ,  H04W4/02

    CPC classification number: G06Q30/0224 ,  G06Q20/3224 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0235 ,  G06Q30/0255 ,  G06Q30/0259 ,  G06Q30/0261 ,  G06Q30/0267 ,  G06Q40/00 ,  H04W4/023

    Abstract: Providing a purchase incentive to a mobile device based for example the user's location, predicted route of travel, and prior transactions. A tracking server computer determines a number of locations of a mobile device as it travels along a route and an associated timeframe when it is at each of the locations. The tracking server computer records the locations and associated timeframes in a location log and analyzes the location log to predict a subsequent location and associated timeframe that the mobile device will be at that location. The tracking server computer then determines a merchant proximate to the predicted subsequent location of the mobile device and generates a purchase incentive for use at the merchant and delivers the purchase incentive to the mobile device. In the alternative, the incentive may be generated by a merchant computer or the mobile device.

    Abstract translation: 基于例如用户的位置，预测的旅行路线和先前的交易为移动设备提供购买激励。 当移动设备在每个位置处时，跟踪服务器计算机在路线和相关时间帧行进时确定移动设备的位置数量。 跟踪服务器计算机在位置记录中记录位置和相关联的时间帧，并分析位置记录以预测移动设备将处于该位置的后续位置和相关联的时间帧。 然后，跟踪服务器计算机确定靠近所述移动设备的预测的后续位置的商家，并且生成在商户处使用的购买激励并将该购买激励递送给移动设备。 在替代方案中，激励可以由商家计算机或移动设备产生。

    SYSTEM AND METHOD FOR DESIGNATING ACCOUNTS FROM WHICH TO TRADE REWARDS
    62.
    发明申请
    SYSTEM AND METHOD FOR DESIGNATING ACCOUNTS FROM WHICH TO TRADE REWARDS 有权
    用于指定从事贸易奖励的账户的系统和方法

    公开(公告)号：US20120143667A1

    公开(公告)日：2012-06-07

    申请号：US13154610

    申请日：2011-06-07

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G06Q30/02

    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。

    Method and system for using reward points to liquidate products
    63.
    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：US08117126B1

    公开(公告)日：2012-02-14

    申请号：US13219826

    申请日：2011-08-29

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G06Q40/00

    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.

    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实体转交给等价于消费者获得产品的奖励积分的交易实体的交易实体，以换取具有相当于其将为产品支付的零售价值的奖励积分，而奖励账户持有者为 只需传达点数的面值。 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。

    REWARD EXCHANGE SYSTEM WITH AUTOMATIC LOGIN AND REGISTRATION
    64.
    发明申请
    REWARD EXCHANGE SYSTEM WITH AUTOMATIC LOGIN AND REGISTRATION 审中-公开
    具有自动登录和注册的REWARD交换系统

    公开(公告)号：US20120004973A1

    公开(公告)日：2012-01-05

    申请号：US13040971

    申请日：2011-03-04

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G06Q30/00

    CPC classification number: G06Q20/387 ,  G06Q30/02 ,  G06Q30/0226

    Abstract: A transaction system implemented with an exchange computer that interconnects with a user computing device, a data linking service, a plurality of transactional databases, and a plurality of information databases. The exchange computer receives, from a user computing device, customer identification data that identifies a customer, uses the customer identification data to access a customer database and retrieve from the customer database a customer record set, which includes a plurality of account information records, each of which is suitable for logging into an associated database. The exchange computer then uses each of the account information records to communicate with the database associated with the account information record and retrieve customer information. The retrieved customer information is then collated into an account web page, which is sent to the user computing device for display by the user computing device.

    Abstract translation: 利用与用户计算设备，数据链接服务，多个事务数据库和多个信息数据库互连的交换计算机实现的交易系统。 交换计算机从用户计算设备接收识别客户的客户识别数据，使用客户识别数据来访问客户数据库，并从客户数据库检索包括多个帐户信息记录的客户记录集，每个客户记录集包括多个帐户信息记录 其中适用于登录相关联的数据库。 然后，交换计算机使用每个帐户信息记录与与帐户信息记录相关联的数据库通信并检索客户信息。 然后将检索到的客户信息整理到帐户网页，该帐户网页被发送到用户计算设备以供用户计算设备显示。

    Method and system for using reward points to liquidate products
    65.
    发明授权
    Method and system for using reward points to liquidate products 有权

    公开(公告)号：US08051008B2

    公开(公告)日：2011-11-01

    申请号：US12972885

    申请日：2010-12-20

    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 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.

    Method and system for issuing, aggregating and redeeming merchant loyalty points with an issuing bank
    69.
    发明申请
    Method and system for issuing, aggregating and redeeming merchant loyalty points with an issuing bank 有权
    向开证行发放，汇总和兑换商人忠诚积分的方法和制度

    公开(公告)号：US20050149394A1

    公开(公告)日：2005-07-07

    申请号：US10809185

    申请日：2004-03-25

    Applicant: Richard Postrel

    Inventor： Richard Postrel

    IPC: G06Q30/00 ,  G06F17/60

    CPC classification number: G06Q30/02 ,  G06Q30/0224 ,  G06Q30/0229

    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. As part of the purchase transaction, the user is awarded reward points from the merchant based on the purchase, which are stored in an account associated with the merchant and the user by the issuing bank. The reward account is maintained on the issuing bank server on behalf of the merchant and the user, and the number of reward points in the user's account for that merchant is increased accordingly. 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。 作为购买交易的一部分，用户根据购买者从商家获得奖励积分，这些积分存储在由开证行与商家和用户相关联的帐户中。 奖励账户代表商户和用户在发卡银行服务器上维护，并且相应地增加了该商家的用户账户中的奖励积分数。 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。

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