首页> 外国专利> Real-time issuer bidding to compete for use of electronic payment instrument by consumer

Real-time issuer bidding to compete for use of electronic payment instrument by consumer

机译:实时发行人竞标以竞争消费者对电子支付工具的使用

摘要

Issuers of electronic payment instruments can bid or submit competing offers to consumers in real-time during a transaction to influence consumers selecting their electronic payment instruments to complete a pending electronic transaction. Requests for bids, issuer responses with offers or proposed terms (e.g., annual percentage rate, miles, points, cash back, etc.), analysis of competing issuer offers, and selection of an electronic payment instrument based on the offer analysis occur in real-time such as while the consumer is at an electronic payment device of a merchant. An electronic payment instrument may be selected for the consumer, e.g., the instrument associated with an offer that confers the greatest benefit to the consumer compared to other offers, or the offer data can be presented to the consumer such as in the form of a ranking or list so that the consumer can select the electronic payment to be utilized to complete the transaction.
机译:电子支付工具的发行者可以在交易期间实时向消费者出价或提交竞争性报价,以影响选择其电子支付工具的消费者完成未决的电子交易。投标请求,带有要约或提议条款(例如,年利率,里程,积分,现金返还等)的发行人答复,竞争性发行人要约的分析以及基于要约分析的电子支付工具的选择都是真实发生的时间,例如当消费者在商家的电子支付设备上时。可以为消费者选择电子支付工具,例如与与其他要约相比赋予消费者最大利益的要约相关的工具,或者可以以排名的形式将要约数据呈现给消费者。或清单,以便消费者可以选择要用于完成交易的电子付款。

著录项

  • 公开/公告号US10026117B1

    专利类型

  • 公开/公告日2018-07-17

    原文格式PDF

  • 申请/专利权人 ERAN ARBEL;BORIS A. FEDOROV;

    申请/专利号US201113284740

  • 发明设计人 ERAN ARBEL;BORIS A. FEDOROV;

    申请日2011-10-28

  • 分类号G06Q30;G06Q30/08;

  • 国家 US

  • 入库时间 2022-08-21 13:05:48

相似文献

  • 专利
  • 外文文献
  • 中文文献
获取专利

客服邮箱:kefu@zhangqiaokeyan.com

京公网安备:11010802029741号 ICP备案号:京ICP备15016152号-6 六维联合信息科技 (北京) 有限公司©版权所有
  • 客服微信

  • 服务号