公开(公告)号：US20070083461A1

公开(公告)日：2007-04-12

申请号：US11248824

申请日：2005-10-12

Applicant: A. Andalib ,  David Barber ,  Brad Smrcina ,  Jeffrey Grine ,  Stephen Smith

Inventor： A. Andalib ,  David Barber ,  Brad Smrcina ,  Jeffrey Grine ,  Stephen Smith

IPC: G06Q40/00

CPC classification number: G06Q30/0603 ,  G06Q40/00 ,  G06Q40/025

Abstract: A method for extending consumer credit comprises identifying a consumer having a first line of credit and extending a second line of credit restricted for use with a designated merchant or merchant association under a consumer's account. In some embodiments, a risk abatement account is funded to pay uncollectible receivables of the credit provider created by the second line of credit. Other embodiments include incentives for one or both of use and timely payment(s) against the second line of credit. A system comprises a network, a management engine and an interface. The management engine associates a first line of credit and a second line of credit with a consumer account. The second line of credit is restricted to use with a designated merchant or association. When a consumer makes a purchase from the designated merchant(s), the management engine records the purchase transaction on the consumer's second line of credit.

Abstract translation: 用于扩展消费者信用的方法包括识别具有第一信用额度的消费者，并扩展第二信用限额，以限制在消费者帐户下与指定的商家或商家协会一起使用。 在一些实施例中，风险消除帐户被用于支付由第二信用额度创建的信用提供者的无法收回的应收款。 其他实施例包括针对第二信用额度的一种或两种使用的激励和及时支付。 系统包括网络，管理引擎和接口。 管理引擎将第一信用额度和第二信用额度与消费者账户相关联。 第二行信用证仅限于与指定的商家或协会一起使用。 当消费者从指定的商家进行购买时，管理引擎将购买交易记录在消费者的第二信用额度上。

公开(公告)号：US20070203788A1

公开(公告)日：2007-08-30

申请号：US10934100

申请日：2004-09-03

Applicant: A. Andalib ,  David Barber ,  Jeffrey Grine ,  Brad Smrcina

Inventor： A. Andalib ,  David Barber ,  Jeffrey Grine ,  Brad Smrcina

IPC: G06Q30/00

CPC classification number: G06Q30/06 ,  G06Q30/0208 ,  G06Q30/0215

Abstract: The invention provides a method of giving a gift instrument having a value to a recipient. The method comprises (a) ordering the gift instrument from a central processing facility, (b) delivering the gift instrument to the recipient, (c) receiving the gift instrument by the recipient, (d) redeeming the gift instrument by selecting goods or services from a redemption facility, where the goods or services have a value corresponding to the value of the gift instrument, and (e) providing the goods or services to the recipient. The step of ordering the gift instrument may include accessing an Internet web page associated with the central processing facility. The step of delivering the gift instrument may include sending an electronic text message to the recipient's text-compatible cell phone. The electronic text message preferably instructs the recipient to visit a particular Internet web page to receive further information needed to redeem the gift instrument to receive the products or services, such as consumer goods, travel vouchers or debit cards.

Abstract translation: 本发明提供了一种向接收者提供具有价值的礼品的方法。 该方法包括：（a）从中央处理设施订购礼品，（b）将礼品送交给收件人，（c）收件人接收礼品;（d）通过选择商品或服务来兑换礼品; 从赎回设施，货物或服务的价值与礼品的价值相对应，以及（e）向收货人提供货物或服务。 订购礼品仪器的步骤可以包括访问与中央处理设施相关联的因特网网页。 递送礼品仪器的步骤可以包括向接收者的文本兼容手机发送电子文本消息。 电子文本消息优选地指示接收者访问特定的因特网网页以接收兑换礼品以接收诸如消费品，旅行优惠券或借记卡的产品或服务所需的更多信息。