Patent application number | Description | Published |
20080203153 | Method and system for engaging in a transaction between a consumer and a merchant - Disclosed is a method for engaging in a transaction between a consumer and a merchant. In particular, the present invention is directed to a method and system for providing instant credit by a credit issuer to the consumer at a point-of-sale of the merchant. In addition, the present invention is directed to a method and system for identifying at least one optimal credit product from a plurality of credit products of at least one credit issuer to a consumer. | 08-28-2008 |
20080208760 | Method and system for verifying an electronic transaction - A method for verification of an electronic transaction between a consumer and a merchant, a credit issuers or any combination thereof. This method includes the steps of: obtaining a network data set including a plurality of data fields reflecting network data; obtaining a transaction data set including a plurality of data fields reflecting transaction data, consumer data, merchant data, credit issuer data or any combination thereof, directed to the electronic transaction; analyzing at least one field of the network data set and at least one field of the transaction data set; and based upon the results of the analysis, initiating an action directed to the transaction. An apparatus and system are also disclosed. | 08-28-2008 |
20080272188 | Distributed system for commerce - A distributed system for commerce including a merchant system with a communication system for receiving, processing and transmitting data. The system further includes an intermediate server system in communication with the merchant system, and this intermediate server system includes a data storage system for storing data transmitted thereto, as well as a communication system for receiving, processing and transmitting data. | 11-06-2008 |
20090037290 | Distributed System for Commerce - A distributed system for commerce including a merchant system with a communication system for receiving, processing and transmitting data. The system further includes an intermediate server system in communication with the merchant system, and this intermediate server system includes a data storage system for storing data transmitted thereto, as well as a communication system for receiving, processing and transmitting data. | 02-05-2009 |
20090319387 | Method and System for Engaging in a Transaction Between a Business Entity and a Merchant - A computer-implemented method of engaging in a transaction between a merchant and a business entity. The method includes: initiating a transaction by the business entity with a merchant; obtaining, by the merchant, a business entity data set including at least one data field; communicating an authorization request from the merchant to a provider, the request including at least one data field from the business entity data set and at least one field from a transaction data set; establishing a credit-based relationship between the provider and the business entity; communicating an authorization response from the provider to at least one of the merchant and the business entity; and engaging in the transaction between the provider and the business entity based at least in part upon the established credit-based relationship. A system and apparatus are also disclosed. | 12-24-2009 |
20090319396 | Method and System for Facilitating a Transaction - Provided is a system for facilitating a transaction between at least one merchant and at least one consumer. The system includes at least one transaction portal located in a network environment, where the at least one transaction portal associated with at least one consumer affinity. The consumer affinity is an entity, a cause, an affiliation, an organization, a concept, a benefit, an association and/or a sponsor or any combination thereof. The system further includes a communication system for facilitating the transmission of data between the transaction portal, the at least one merchant, the at least one consumer, an entity associated with the consumer affinity or any combination thereof. Also provided is a matching system, a method for facilitating a transaction between at least one merchant and at least one consumer and a method for facilitating a credit-based transaction between at least one merchant and at least one consumer. | 12-24-2009 |
20100063874 | METHOD AND SYSTEM FOR PROVIDING INCENTIVES DURING A CONSUMER AND A MERCHANT PURCHASE TRANSACTION - Various methods and systems are provided to facilitate on-line transactions through the issuance of incentives based on a current transaction between a merchant and consumer. A payment provider determines a suitable incentive for the consumer during the transaction and may also use data about the consumer from previous transactions. The incentive is provided, such as on the merchant website, so that the consumer can use it during the transaction for a highly likelihood of increasing the purchase. | 03-11-2010 |
20130232018 | METHOD AND SYSTEM FOR ENGAGING IN A TRANSACTION BETWEEN A CONSUMER AND A MERCHANT - Disclosed is a method for engaging in a transaction between a consumer and a merchant. In particular, the present invention is directed to a method and system for providing instant credit by a credit issuer to the consumer at a point-of-sale of the merchant. In addition, the present invention is directed to a method and system for identifying at least one optimal credit product from a plurality of credit products of at least one credit issuer to a consumer. | 09-05-2013 |
20140040056 | METHOD AND SYSTEM FOR OFFERING A CREDIT PRODUCT BY A CREDIT ISSUER TO A CONSUMER AT A POINT-OF-SALE - A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed. | 02-06-2014 |
20140089197 | COMPUTER-IMPLEMENTED METHOD, SYSTEM AND APPARATUS FOR THE DYNAMIC VERIFICATION OF A CONSUMER ENGAGED IN A TRANSACTION WITH A MERCHANT AND AUTHORIZATION OF THE TRANSACTION - Disclosed is a computer-implemented method ( | 03-27-2014 |
20140249949 | CONSUMER PROCESSING SYSTEM AND METHOD - Disclosed is a consumer processing system for identifying and recognizing a consumer engaged in a transaction with a merchant. The system includes a consumer processing system interface for receiving, from a merchant, a consumer/transaction data set with a plurality of fields. A consumer/transaction database is populated with data sets, and each data set is related to a specific consumer and also includes multiple data fields therein. The consumer/transaction data set is established as part of an initial data set in the consumer/transaction database, and thereafter, during subsequent transactions, compared to an existing data field in an existing data set in the consumer/transaction database. Based upon the establishment or comparison, a consumer activity data set is communicated from the consumer processing system interface to the merchant. A method of identifying and recognizing a consumer engaged in a transaction with a merchant is also disclosed. | 09-04-2014 |
20140279118 | METHOD AND SYSTEM FOR OFFERING A CREDIT PRODUCT BY A CREDIT ISSUER TO A CONSUMER AT A POINT-OF-SALE - A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed. | 09-18-2014 |
20140316950 | METHOD AND SYSTEM FOR ENGAGING IN A TRANSACTION BETWEEN A BUSINESS ENTITY AND A MERCHANT - A computer-implemented method of engaging in a transaction between a merchant and a business entity. The method includes: initiating a transaction by the business entity with a merchant; obtaining, by the merchant, a business entity data set including at least one data field; communicating an authorization request from the merchant to a provider, the request including at least one data field from the business entity data set and at least one field from a transaction data set; establishing a credit-based relationship between the provider and the business entity; communicating an authorization response from the provider to at least one of the merchant and the business entity; and engaging in the transaction between the provider and the business entity based at least in part upon the established credit-based relationship. A system and apparatus are also disclosed. | 10-23-2014 |
20140379486 | METHOD AND SYSTEM FOR FACILITATING A TRANSACTION - Provided is a system for facilitating a transaction between at least one merchant and at least one consumer. The system includes at least one transaction portal located in a network environment, where the at least one transaction portal associated with at least one consumer affinity. The consumer affinity is an entity, a cause, an affiliation, an organization, a concept, a benefit, an association and/or a sponsor or any combination thereof. The system further includes a communication system for facilitating the transmission of data between the transaction portal, the at least one merchant, the at least one consumer, an entity associated with the consumer affinity or any combination thereof. Also provided is a matching system, a method for facilitating a transaction between at least one merchant and at least one consumer and a method for facilitating a credit-based transaction between at least one merchant and at least one consumer, | 12-25-2014 |