CN1290375A

CN1290375A - Online inventive system

Info

Publication number: CN1290375A
Application number: CN99802699.9A
Authority: CN
Inventors: T·J·O·卡特林; K·T·罗尼
Original assignee: Netcentives Inc
Current assignee: Netcentives Inc
Priority date: 1998-10-06
Filing date: 1999-10-05
Publication date: 2001-04-04
Also published as: WO2000021008A1; EP1034502A1; CA2297787A1; IL137357A0; AU758404B2; AU6287199A

Abstract

An on-line incentive system provides a means for a consumer to enter an earning activity to earn value from the merchant. If the consumer qualifies, value, in the form of private label currency, is transferred from the merchant to the consumer without re-directing the consumer away from the merchant's web site. The merchant requests authorization to a clearinghouse site to transfer value from the merchant to the consumer via a value transfer network. The request is dispatched, via the Internet, from the merchant site to the clearinghouse site. If the value transfer is unsuccessful, then the incentive management system enters asynchronous retransmission mode, wherein the value transfer is periodically initiated from the merchant location to the clearinghouse location. At the clearinghouse site, authorization for the value transfer is determined, and a response message that indicates a status for the authorization is dispatched to the merchant. Thereafter, a response is sent to the consumer that indicates the status of the authorization request.

Description

Online inventive system

Background of invention

Technical field

The present invention is intended to the field of online promotion plan, especially utilizes the long-range promotion management system of special tags currency (Private LabelCurreney).

Background technology

Generally speaking, businessman's (for example, the operator of goods and service) participates in promotion plan, buys product or service to instigate client or consumer.Usually, the businessman to participate in the general objective that promotion plan repaid the businessman to the client who buys commodity be that the maximum interests client that gifts is minimized businessman's expense and cost simultaneously.

One type promotion plan is gifted the client to single products or service as award.Frequent flyer mile (Frequent Flyer Mile) plan is a kind of gift client's example promotion plan of single predetermined interests.At a kind of frequent flyer mile in the works, relevant with airline credit card allows the client to receive the frequent flyer mile uses credit card as the client exchange.Use the every consumption monobasic of credit card for the client, frequent flyer mile promotion plan is just rewarded the client frequent flyer mile usually.Subsequently, the client converts to frequent flyer mile that the air ticket of airline earns or according to the rule upgrading of frequent flyer mile plan.

In second type promotion plan, the client can receive the sales promotion of purchase according to the price of purchase and " count " or stamp.For example, if the client buys 1,000 yuan project, then the client can receive 1,000 point.For such promotion plan, the means of counting of exchanging are provided to the client.Usually, the client can option from catalogue, to exchange counting of commodity or service.Though catalogue provides than the predetermined bigger selection of profit planning to the client, client's interests only limit to the project in the catalogue.

The businessman must select the client how to receive interests from participate in promotion plan when setting up promotion plan.For example, the businessman can set up promotion plan with the seller or the supplier that are worth (such as the plan of frequent flyer mile), thereby the client can receive predetermined interests (for example, frequent flyer mile) behind the product of having bought this businessman.Perhaps, the businessman can develop goods catalogue, can come the exchange project according to the quantity of rewarding to this client.Therefore,, when carrying out promotion plan, want to provide widely and select, simultaneously the businessman is carried out sales promotion and exchange required expense and minimize to the client because the businessman wants the maximum interests client that gifts.

As mentioned above, the promotion plan client trading that is used for credit card trade at present and in businessman's shop, carried out.Yet the Internet provides a large amount of chances for conclude the business (comprising ecommerce).The potentiality that carry on trade via the Internet are very big, because the user can contact a large amount of businessman by the computing machine that use signs in on the Internet.Because promotion plan is the effective means that the excitation client buys goods or service, wish the promotion plan that realization is used for the Internet.

A realization of online promotion plan is to realize promotion plan on clearinghouse (clearinghouse) website that separates with businessman website (web site).Realize for this, the user is guided into the website of clearing house from businessman's website, to carry out the interests required transaction of client of gifting.Yet the website that the client is deflected from the businessman is undesirable.In addition, owing to only realize promotion plan at the website place of clearinghouse, so the businessman will lose all controls to the promotion plan parameter.Therefore, want between the interests that allow the businessman to control the particular aspects of promotion plan and to make the client participate in the promotion plan reception maximize, to provide balance.

Developed and from client to the clearing house, transmitted such as responsive financial information such as credit informations.For example, use credit card and ATM (automatic teller machine) (ATM) card in the mode of safety, financial information is sent to the businessman from the client via credit card or banker's clearing house.Because these systems are vulnerable, guarantee that the safety of this type of transaction is to prevent swindle and theft so realized many safety equipment.Yet the value transaction that provides from client to businessman is provided these common safety equipment.As following comprehensive description, the present invention has realized that a kind of value of safety and protection equipment that realizes transmits network, to optimize the system that transmits the value opposite direction of typical purchase-transaction (that is, along) from businessman to client.

Summary of the invention

A kind of online inventive system provides to the consumer and has added the money-making activity to earn the means of value from the businessman.This is worth is that form with the special tags currency provides at first.If the consumer is qualified, then this value is sent to the consumer from the businessman, and do not make the consumer change direction and away from businessman's website.Like this, the focus of consumer's activity is stayed businessman's place, website.Of living in exchange, the means of exchanging goods and service with the label currency of special use are provided to the consumer.

In one embodiment, the software at businessman website place is determined the whether qualified value of earning of consumer by defining the parameter of determining the money-making activity.The authorization requests that starts in businessman's position is sent with charge free the clearing house, to send the consumer to from the businessman being worth.In one embodiment, on businessman's the webserver, payment server or fulfillment service device, carry out to determine the whether qualified function of earning value of consumer, be positioned on the long-range promotion management server separately to the function of clearing house request mandate.

In one embodiment, the promotion management system comprises that value transmits network.Be worth the transmission network and provide safety means reliably for value is sent to the consumer from the businessman.Transmit network by use value, produce request, to authorize the account who from businessman's account, is sent to the consumer being worth in businessman's position.This request is sent with charge free the website of clearing house via the Internet or dedicated network from businessman's website.If be worth to transmit unsuccessfully, then the promotion management system enters the asynchronous pattern that resends, and wherein from the value transmission of businessman's position, trend clearing house, positional cycle ground, receives trade confirmation up to the website place in the clearing house.In addition, the form with the readable text of people writes down the value transmission of signing and encrypting.Website place in the clearing house determines to be worth the mandate that transmits, and the response message of indication affirmation state is sent with charge free to the businessman.An indication confirmed the response of the state of request send to consumer thereafter.The consumer can receive response via e-mail.Then, the consumer receives the relevant real-time response that transmits the result that is worth.

The money-making activity can comprise any action or the response that the businessman manages to cause from the consumer.In one embodiment, in " lending " money-making activity, the businessman manages to lend in the mode that the businessman is scheduled to consumer's concern." transmission " money-making activity relates generally to the businessman and wishes that the consumer sends the hope of businessman institute information requested.In " guiding (bend) " money-making activity, the businessman manages with lead consumer's behavior of the mode that the businessman is scheduled to.In addition, " consumption " money-making activity encourage consumer buys commodity or the service that the businessman provides.

Summary of drawings

Fig. 1 is the figure that an embodiment of online inventive system is shown.

Fig. 2 a-2c is illustrated in an example that transmits trading time period consumer's host display according to the real-time value of one embodiment of the invention.

An embodiment of long-range promotion management system is disposed in the position that Fig. 3 is illustrated in the businessman.

Fig. 4 is the process flow diagram of an embodiment of long-range promotion management software that is illustrated in businessman's position operation.

Fig. 5 illustrates the process flow diagram that is used for handling in long-range promotion management system an embodiment of acknowledge message request.

Fig. 6 illustrates the process flow diagram that is used for managing in the clearing house embodiment of the authorization requests of counting (RFA) message everywhere.

An embodiment of the long-range promotion management system that Fig. 7 is illustrated in that businessman's position realizes.

Fig. 8 is the process flow diagram that an embodiment of consumer's special tags currency exchange is shown.

Fig. 9 illustrates the high-level block diagram of general-purpose computing system, wherein can realize the server of inventive system of the present invention.

Better embodiment of the present invention

The special tags money-system:

In a preferred embodiment, inventive system relates to the reciprocation between consumer, businessman and the clearing house.Fig. 1 illustrates an embodiment of online inventive system.In one embodiment, inventive system is realized as the Internet inventive system.Generally, inventive system 100 relates to three entities: consumer 110, businessman 120 and clearing house 130.In order to simplify, consumer, businessman and clearing house all are shown 1; Yet promotion plan is supported many consumers and businessman usually, and can relate to a more than clearing house.In order to illustrate, the consumer is any entity, and it is that the businessman wants to transmit or the individual that is worth or commercial that gifts.As used herein, the businessman refers generally to want with some behavior or the movable any entity that in return value is sent to the consumer.As used herein, any entity of value of the service of being gifted to the consumer money dealer or supplier's goods is represented in the clearing house.

Generally, the consumer earns or receives from businessman's value or special tags currency, and the consumer exchanges the value of goods and service via the clearing house subsequently.In a preferred embodiment, support value is sent to from the businessman communication of consumer and consumer's exchange subsequently in open taking place on the Internet.As shown in Figure 1, the representative of " Z " shape double-headed arrow is via the two-way communication of the Internet.Though transmit and value exchange in conjunction with describe value of the present invention via the communication of the Internet, can use such as any type of communication such as direct-dial telephone line connection and not deviate from the spirit and scope of the present invention.

In one embodiment, in order to receive value, consumer's 110 surfings (surf up to) are to businessman 120 website, and consumer 110 adds businessman 120 specified " money-making activity ".As following more comprehensively as described in, the money-making activity can comprise that the businessman manages any behavior or the activity that obtains from consumer 110.Make businessman 120 satisfied in case consumer 110 has finished the money-making activity, then the value of money-making activity is sent to clearing house 130 from businessman 120.Thereafter, consumer 110 can get in touch the website that clearing house 130 is supported, to exchange the value of goods and service.As following more comprehensively as described in, consumer 110 must once authorize, with 130 place's exchange value in the clearing house.

Inventive system is made of a plurality of businessman 120 that interrelate with clearing house 130.Generally, the special tags currency is not limited to also be not limited to particular category such as specific exchange projects such as frequent flyer miles.System thus, consumer 110 can earn value from the different businessman that participate in promotion plan, stores away, and (for example, the clearing house 130) locate exchange value in single warehouse subsequently.In one embodiment, measure value or special tags currency to count, consumer 110 is with the service and/or the product of special tags currency exchange " X " quantity of " X " point.

Use special tags money-system of the present invention to provide and carry out the media that promotion plan is protected businessman's pricing policy simultaneously to the businessman.If promotion plan is used currency (for example, cash or deposit), then the consumer can easily determine to calculate then the monetary value that the businessman sends consumer's value to.For example, if in a promotion plan, 100 yuan of value that just receive monobasic of the every purchase of consumer, then the consumer understands promotional discount easily.Thereby, in promotion plan, use public currency that pricing policy (for example, the value of purchase deducts the quantity of the currency of earning) directly is exposed to the consumer.Yet, use consumer subsequently to convert to the special tags currency of some other value, gift consumer's the quantity of money of businessman is not obvious, has protected businessman's pricing policy then.

Generally, the warehouse of the value earned at one or more businessman place as the consumer of clearing house 130.As shown in Figure 1, supplier 140 is coupled in clearing house 130, to show the relation of supplier 140 and clearing house 130.Specifically, clearing house 130 becomes the special tags currency conversion value of certain form that supplier 140 provided.For example, consumer 110 can exchange the frequent flyer mile by the special tags currency.In this example, supplier 140 represents airline or alliance of airline, and they 130 send strong currency to supplier 140 (for example, course line supplier) back the frequent flyer mile is rewarded to the consumer in the clearing house.The value of any kinds such as consumer 110 can special tags currency exchange such as cash, deposit, material goods, service.

In one embodiment, businessman 120 and clearing house 130 have predetermined contractual relation.Specifically, businessman 120 buys and is worth or the special tags currency, and clearing house 130 keeps the businessman account of the quantity of this businessman institute carrying value of reflection.As following more comprehensively as described in, when consumer 110 earns when being worth from the businessman, debt (debit) from businessman account being worth, and credit consumer account (credit) according to predetermined rule (for example, all stages of closing the trade).Clearing house 130 also keeps the consumer therefrom by redemption process value to be converted to supplier 140 goods and/or consumer's accounts of service.

Fig. 2 a-2c illustrates according to one embodiment of the present of invention, is worth the example that transmits trading time period consumer host display in real time." Z-shaped " line indication from consumer's main frame via the communication of the Internet to businessman's website.The consumer uses such as Netscape Navigator or Microsoft ^The browser surfing of Explorer is to businessman's website.In some way, businessman's website invites the consumer to add the money-making activity.Fig. 2 a illustrates the example display at consumer's main frame place of inviting the consumer to begin the money-making activity at place, businessman website.As following more comprehensively as described in, the money-making activity can attract the consumer: buy product and/or service; Time is spent on the scheduled event on the businessman website; With lead their behavior of some predetermined way; Perhaps relevant themselves message is sent to the businessman.

In one embodiment, after the consumer added the money-making activity, the businessman noticed that the consumer has added the money-making activity, and the operation of checking (verify) long-range promotion management system (Fig. 3).If the promotion management system can not operate, then the businessman notifies the money-making activity at this moment of consumer's main frame can not earn value.If the promotion management system can not operate, then the client finishes the money-making activity by businessman's regulation, and the businessman produces authorization requests to clearing house 130 (Fig. 1) then.If clearing house 130 during in response to the authorization requests authorized transactions, then produces response message and sends to businessman 120.Thereafter, businessman 120 notifies consumer's 110 these money-making activities to earn value.

Fig. 2 b illustrates the example display response (for example, value has been earned in congratulations) of notifying the consumer to earn value.Shown in the example display of Fig. 2 c,, then notify the consumer just can earn value having verified after money-making activity and consumer meet pre-defined rule or standard if break down be worth transmitting in the network (for example, the network between businessman 120 and the clearing house 130).

Shown in above example, with respect to the consumer, the promotion management system provides " in real time " response, with the situation of notifying the consumer to make money transaction.As a result, by the real-time response of the value that relevant consumer earns is provided to the consumer, the consumer receives bigger satisfaction when participating in promotion plan, more want to participate in other promotion plan.

In one embodiment, promotion management system's handle value of the present invention or special tags moneytary operations are treated as the transaction in a plurality of stages.Use the multistage transaction that the rational method that value is debted from businessman's account is provided.In one embodiment, be worth transmission and comprise three phases: authorize, obtain and regain (charge back).During authorization stages, the clearing house determines whether the businessman has sufficient deposit (for example, being worth) to be used for transaction.During subordinate phase is obtained, take place to be sent to consumer's the account being worth actual account from the businessman.The last stage (withdrawal) allows to produce when making the situation of concluding the business invalid after the stage of obtaining, and removes value from consumer's account.Generally, the value transfer phase of authorizing, obtaining and regaining is carried out in the clearing house.Therefore, though the account of real-time authorization with consumer that value is debted carried out in the clearing house, final only transaction obtain and after the withdrawal stage, just the value consumer that gifts.

For authorization stages, the promotion management system carries out the swindle control procedure, and guaranteeing consumer's legal (for example, this value of the qualified reception of consumer), and it determines businessman's this value of whether gifting.Whether in one embodiment, in order to carry out the stage of obtaining, the promotion management system allows the businessman to watch transaction, legal with the value of determining before to be sent to from businessman account consumer account.For example, if the money-making activity is based on consumer's purchase, then obtaining with the withdrawal stage of businessman can meet the financial transaction (for example, credit card trade) relevant with purchase.For this example, if the dispute or the withdrawal of related credit card take place, then the businessman can not obtain to be worth and be used for being sent to consumer's accounts.

In one embodiment,, after the time of scheduled volume, value is sent to consumer account, unless the businessman makes transaction invalid clearly in order to carry out the stage of obtaining.Obtain among second embodiment in stage in implementation, the businessman a confirmation send to the promotion management system be used for being worth transaction (as, debting of businessman account and crediting of consumer account).In order carry out to regain in the promotion management system, the businessman carries out additional transaction to the clearing house, with from consumer's recover value (for example, make be worth transaction invalid).

The money-making activity:

" the money-making activity " of promotion plan can comprise that the businessman manages any activity or the behavior that obtains from the consumer.In one embodiment, the money-making activity comprises that occurring in whole consumer concerns event in the circulation, comprises consumer and the interdealer relation introduced." lend " the money-making activity and relate to the consumer some times with pay close attention to the activity of endeavouring of lending to the businessman.Lend the money-making activity and can comprise that needing the consumer to lend pays close attention to any activity of giving the businessman.For example, the businessman may want the consumer to read in the advertisement that businessman's webpage (webpage) is gone up issue.

" transmission " money-making activity relates to the consumer message about themselves is sent to the businessman.The businessman may want to reward the consumer who sends the money-making activity being worth, so that carry out market survey.For example, for transmission money-making activity, but businessman requesting consumption person finishes investigation such as comprising preference, hobby, demographic message.

The businessman uses the 3rd money-making activity (being called " guiding " money-making activity) to change consumer's behavior.For example, bank may want to reward those clients that the online bank service of use is carried out bank transaction.Example hereto, the businessman uses online bank service rather than uses actual cashier to manage to change consumer's behavior by attracting the consumer.By further giving an example, when attempting reducing expense, delivery service may want its client singly to place an order by online delivery request.

The 4th type (being called " consumption " money-making activity) of money-making activity, relate to the businessman and buy businessman's product and/or service for the consumer and repay the consumer.For example, the quantity of the money that may buy according to the consumer of businessman is given the consumer being worth to reward.

Long-range promotion management system deployment:

An embodiment of long-range promotion management system is disposed in the position that Fig. 3 is illustrated in the businessman.The Characteristic of Software of long-range promotion management server 315 and operation thereon is " long-range ", and this is because realize function in businessman's position, thereby away from the position of clearing house.For this realization, businessman 120 (Fig. 1) comprises businessman's webserver (web server) 300, long-range promotion management server 315, transaction login (transaction log) 320 and businessman's fire wall 325.In addition, the software in operation on businessman's the webserver 300 communicates by the software to the request of authorized applications interface (RFA-API) 310 and operation on long-range promotion management server 315.In one embodiment, businessman's the webserver 300 and long-range promotion management server 315 are coupling in businessman's position via Local Area Network.

The realization of clearing house also is shown in Fig. 3.Account server/database 335 by the consumer, clearing house promotion management server 340, businessman's accounts database 350 and clearing house fire wall 355 are realized the clearing house.Frame 330 with indication consumer access to the Internet is represented and businessman and the mutual consumer in clearing house.Mean interface on the Internet with " Z " shape line of arrow termination.Consumer's access to the Internet 330 communicates via the Internet and businessman's the webserver 330 and consumer's account server/database 335.As following comprehensively as described in, be worth to transmit network and relate to via the Internet communicating by letter between long-range promotion management server 315 and the clearing house promotion management server 340.

As shown in Figure 3, for present embodiment, go up the function of the long-range promotion management of realization system at the server (315) of the webserver 300 that is different from the businessman.In addition, the businessman can have several webservers in businessman's position, and one or more webservers can communicate with long-range promotion management server 315.In another embodiment, realize the function of promotion management system away from businessman's position.For example, the promotion management system can be embodied as the part of payment and fulfillment.In another embodiment, businessman's the webserver can comprise long-range promotion management system software, and can be directly and clearing house promotion management server 340 communicate.Yet, when realizing long-range promotion management system, some advantages are arranged at the long-range promotion management software of operation on the server that separates rather than on the webserver the businessman.

As described here,, need revise businessman's web server software significantly in order on businessman's the webserver 300, to realize the function of long-range promotion management software.For example, carry out the web server software that to replace the businessman such as the transaction software of complex transaction such as ecommerce usually with brand-new software.The webserver 300 of cutting apart the businessman with long-range promotion management server 315 is very different schemes of carrying out complicated trading function in businessman's position.For promotion management system shown in Figure 3, the minimum software that businessman's the webserver 300 need move on businessman's the webserver 300.

The implementation of long-range promotion management server 315 allows to know between the function of businessman's the webserver and relevant inventive system and cuts apart systematically.Generally, businessman's the webserver is the very pregnable part of the whole peripheral safety of businessman's computer system.For safety, the webserver 300 that enters the businessman is monitored and limited to the fire wall that is implemented in the fire wall 325 that is shown the businessman among Fig. 3.Server between businessman's the webserver and the long-range promotion management server is cut apart the responsibility that allows clearly to cut apart between businessman and the clearing house.For example, if the invasion of security takes place on businessman's the webserver because of security gap (security breach), then responsibility can not fallen in the promotion management system because of simple mutual (for example, API Calls) between businessman's the webserver 300 and the long-range promotion management server 315.Therefore, promotion management server 315 does not endanger the security of businessman's the webserver.If this security gap does not take place, then entering or interrupting between businessman's web server software and the long-range promotion management software a little is tangible.If on businessman's the webserver, realize fully promotion management software, and security interrupt or security gap occurs on businessman's the webserver, then promotion management software may be the point of attack that causes businessman's peripheral safety to destroy.In addition, server is cut apart the encryption key that makes the businessman to protect to be present in the long-range promotion management server 315, and this is because server 315 is not a part that is positioned at the security outer periphery of businessman position.

Separate businessman's the webserver 300 and the function between the long-range promotion management server 315 and also make businessman's regulation money-making activity fully.In a preferred embodiment, the businessman has fully realized supporting the function of the money-making activity on businessman's the webserver 300.Like this, the businessman determines that alone the consumer earns the condition of value by the activity of making money.By making the businessman fully control the money-making activity, the promotion management system provides maximum dirigibility for the businessman.

In one embodiment, businessman's web server software communicates with long-range promotion management server software via RFA-API 310.Generally, RFA-API 310 is the application programming interfaces that move on businessman's the webserver, and it starts the value transaction businessman's software transfer.RFA-API calls the webserver 300 and " client/server " between the long-range promotion management server 315 transaction that has started the businessman.RFA-API provides the webserver 300 and the processing between the long-range promotion management server 315 that separate the businessman to begin to be worth the link that transmits transaction.

As following more complete as described in, businessman's software means calling of RFA-API: the consumer enters the money-making activity of businessman's defined; And begin to be worth transmission value is deposited among consumer's the account.Owing to guide RFA-API via LAN (Local Area Network),, need Secure Transaction still less between businessman's the webserver 300 and the long-range promotion management server 315 so compare with the transaction of the peripheral safety of breaking the businessman.RF-API can be installed on the various platforms, thinks that businessman's web server software is received long-range promotion management system software provides maximum dirigibility.In one embodiment, RFA-API calls support from calling such as any programming languages such as C, C++, Perl, Java.

In one embodiment, as the enhancing to inventive system, long-range promotion management system carries out the rule (that is money-making active rule) of some parameter of definition money-making activity.Generally, help the function that the businessman realizes regulation money-making activity by the performed money-making active rule of long-range promotion management system.For example, when carrying out, the qualification that the mode that the promotion plan that the money-making active rule can many types is wished comes the consumer is earned value is limitation and restriction in addition.In one embodiment, which rule the businessman can select to implement, thereby formulates the rule of using the money-making activity.

In another of long-range promotion management system realized, locate to carry out " minting machine (MintingEngine) " the consumer.Generally, minting machine is carried out the function of the value transmission that realizes from businessman to consumer.In one embodiment, minting machine is the software that moves on consumer's computing machine.In operation, the consumer enters the money-making activity at businessman's place, website, to earn value from the businessman as mentioned above.If the consumer is qualified, then businessman's value that consumer's coinage function is begun from businessman's account to consumer account transmits.Thereafter, consumer's starting transmits request to the value of clearing house, transmits with the value of finishing from businessman to consumer.

Be worth and transmit network:

In one embodiment, the promotion management system realizes being worth the function that transmits network by the software of operation on long-range promotion management server 315.Fig. 4 is the process flow diagram of an embodiment of promotion management software that is illustrated in businessman's position operation.Shown in piece 400, before exercise value transmitted transaction, the consumer entered the money-making activity at businessman's webserver place.Shown in piece 410 and 420, if long-range promotion management system can move, then its record consumer enters the money-making activity.Shown in piece 410 and 430,, then notify consumer's money-making activity this moment can not incentive value if the promotion management system can not move.In one embodiment, businessman's software determines by calling RFA-API whether the promotion management system can operate.The promotion management system that can not operate may be the result that long-range promotion management server 315 is shut down.Initial call to long-range inventive system provides feedback for the consumer, thereby if long-range promotion management system does not work, then the consumer will know that he or she can not earn value when finishing the money-making activity.This initial call has reduced the possibility that breaks down significantly in being worth the transmission network by guaranteeing long-range promotion management server 315 just to begin to operate.If allow the consumer to finish the money-making activity and do not remind the consumer to not receiving the value of this money-making activity, then the consumer will be discontented with and be intended to this promotion plan.Then, for the consumer, the operability of the long-range promotion management server 315 of initial inspection allows promotion plan to stop and can not causing discontented.

Shown in the piece 440 of Fig. 4, the promotion management system wait is finished the money-making activity until the consumer.When the consumer finished the money-making activity, the businessman verified the end of money-making activity, shown in piece 450.For example, the businessman can be added to several conditioned disjunction rules in the money-making activity, and whether this step checking consumer meets these rules or condition.After checking, shown in piece 460, the businessman carries out the promotion management system via RFA-API and calls for the second time.Shown in piece 470, the count security request of mandate (RFA) message of promotion management system creation.In one embodiment, RFA message is handled, so that on open the Internet, send.Except creating safe RFA message, shown in piece 480, the promotion management system signs in to RFA message among transaction login 320 (Fig. 3).Shown in piece 490, on the Internet RFA message is being sent with charge free to the clearing house.

Fig. 5 is the process flow diagram that is illustrated in an embodiment of the request of handling authorization messages in the long-range promotion management system.As mentioned above, and the long-range promotion management system creation safety RFA message of operating in businessman's position (piece 470, Fig. 4).Shown in piece 500, plain text (clear text) message that long-range promotion management system's generation request value transmits.Table 1 has been listed several fields of RFA message.

Table 1

Businessman ID
Businessman ID	Order #
Date stamp	Order #
Date stamp	Upgrading ID
The quantity of rewarding	Upgrading ID
The quantity of rewarding	Consumer's e-mail address
Confirm token	Consumer's e-mail address

Businessman's sign (ID) field is discerned the businessman uniquely.The number that order # field store is arranged or sorted a plurality of RFA message.For example, transmit, can transmit a plurality of RFA message for a value.Thus the order #, clearing house promotion management server 340 can be determined the original order of message.The date stamp of differentiating immediate second has reflected the time of creating message, thereby it discerns this message uniquely.The time id field is discerned the specific upgrade to the value of having earned.This allows clearing house to follow the tracks of and the information that writes down the various upgradings that relevant businessman may carry out.RFA message also comprises rewards the quantity of giving the consumer.For example, if calculate the special tags currency to count, then the quantity of Jiang Liing is counting of specific quantity.Also comprise consumer electronics's addresses of items of mail, thereby the clearing house can attempt where necessary contacting with the consumer.Last field shown in the table 1 confirms certain confirmation that token field provides the consumer to start, and interrelates with the social identity consumer's network identity and consumer.

Shown in piece 510, the promotion management system encrypts plain text RFA message.In one embodiment, the private key cryptology of promotion management system implementation is encrypted RFA message.Though use the private key cryptology to describe the promotion management system, can use any algorithm RFA message is encoded or to encrypt, and not deviate from the spirit or scope of the present invention.In a preferred embodiment, use encryption technology to optimize the security and the speed (that is, level of security is brought up to maximum, simultaneously the expense that message is encrypted is minimized) of encryption.Generally, by the private key cryptology, use single secret key message to be encrypted and this message is decrypted.Usually, when being arranged, uses a large number of users public key cryptography.For example, for consumer and interdealer message are encrypted, the public key cryptography system may need too much key management because of there being a large amount of potential consumers.Compare with the public key cryptography algorithm, can carry out the private key cryptography algorithm quickly.Yet the private key cryptology has been introduced non-existent cipher key management considerations in the public key cryptography.In a promotion management system, with respect to consumer's number, businessman's number is few relatively.Correspondingly, owing to only preserve key safely by businessman and clearing house, so reduced cipher key management considerations.

In one embodiment, for RFA message is encrypted, key is stored in the long-range promotion management server 315 (Fig. 3).Provide the harbor of preserving privacy key with the long-range promotion management server of the perimeter security sexual isolation of businessman position.

Shown in the piece 520 of Fig. 5, long-range promotion management system uses signature key to sign the message of encryption.Digital signature technology is the known technology of acknowledgement message.As everyone knows, digital signature comes from particular message and businessman's privacy key.Specifically, use digital signature to confirm whether this message is sent by this businessman, digital signature detects any the altering (tamper) that whether can take place message on open the Internet then.

Shown in piece 530, send the clearing house with charge free through the RFA of signed/encrypted message via the Internet handle.In one embodiment, use two agreements to upload the RFA message of warp let-off signed/encrypted in the Internet.Because RFA message is relatively little, so can use udp protocol to transmit RFA message.Udp protocol is in the insecure agreement of height that sends message on the Internet.In a second embodiment, use the http agreement to send RFA message.Though the http agreement needs higher expense, it is more reliable than udp protocol usually.Some businessman can only support single agreement, to reduce the complicacy that keeps peripheral safety.For these businessman positions, can use the http agreement.If businessman's website is supported several agreements and port, then keep the peripheral safety at businessman's website place difficult more.

In one embodiment, if long-range promotion management system does not receive answer after at interval at the fixed time, function in the then long-range promotion management system repeatable block 520 and 530 (for example, the signature RFA message of encrypting and new message is sent with charge free the clearing house) again via the Internet.In another embodiment, as shown in Figure 5, long-range promotion management system is the function in the repeatable block 530 only by via the Internet new message being sent with charge free the clearing house.If long-range promotion management system does not receive the answer from the clearing house, then shown in piece 550, it signs in to this transaction among transaction login 320 (Fig. 3).In one embodiment, transaction login 320 all major transactions of being recorded in the inventive system to be taken place.Transaction login 320 is the readable text logins of people, but so that supvr artificially examination inventive system transaction.The clauses and subclauses of transaction login 320 are signed and encrypted, thereby can not resend log messages and twice value is carried out in same money-making activity transmitted.

Shown in the piece 560 of Fig. 5, the promotion management system is with to the response of RFA message and in response to businessman's web server software (for example, cgi script).Fig. 6 is the process flow diagram that an embodiment of position, clearing house processing RF A message is shown.Shown in piece 600, the clearing house receives RFA message via the Internet.In order to illustrate, to go up the execution clearing house at clearing house promotion management server 340 (Fig. 3) and handle.Shown in piece 610, businessman's digital signature on the clearing house inventive system checking RFA message.Generally, this step comprises that algorithm of execution is to determine that whether RFA message is through forgery, still destroyed in transmission through change in transmission.The clearing house inventive system is also verified and whether is not received this RFA message (for example, having handled this RFA message).If handled this RFA message in advance, then the clearing house inventive system is confirmed to have taken place to be worth to transmit.

Shown in piece 620, carry out the swindle control procedure.Two types swindle control procedure is arranged in one embodiment, generally: the processing procedure that 1) comes from the contract item between businessman and the clearing house; And 2) detect unusual statistical treatment process of concluding the business.Detect whether violate the rule that management sends value to the consumer by the specified contract item class rogue processes process of businessman.For example, the businessman can: a gift consumer the quantity of value of restriction; Restriction can be sent to value one consumer's number of times; And restriction can send a consumer total value to.These rules only are examples, and the businessman can limit any constraint to realization subsequently as the swindle control procedure.

Statistics swindle control procedure detects unusual transaction, and they are not businessman's special uses.For example, this type of swindle control procedure can detect single consumer and whether earn a large amount of value from different businessman just at short notice.Statistically, this activity can be discerned swindle or the abuse to whole inventive system.Another example of this type of swindle control procedure comprises that detection comes from the value transmission of a plurality of businessman to single consumer basically simultaneously.

Shown in Fig. 2 a-2c, inventive system provides real-time response to the consumer.Therefore, an importance of realization swindle control procedure is to consider to carry out the required processing time of swindle control procedure to measure.In one embodiment, the quantity of performed swindle control procedure averaged out between the relative response time during handling in real time.For example, but promotion management system balance from the result that carries out the swindle control procedure and obtain with respect to carrying out the time quantum that this process spent.

Shown in the

piece

630 and 650 of Fig. 6, if the swindle control procedure detects swindle (for example, abnormal behaviour), then the clearing house inventive system produces the response message through digital signature and encryption that indication detects swindle.Perhaps, shown in

piece

630 and 640, if do not detect swindle, then the clearing house inventive system is carried out the deal engagement in two stages, value specified in the RFA message charged to businessman account's debit and to be charged to consumer account's credit side.The clearing house inventive system utilizes the businessman ID of RFA message and confirms token field, with debit who charges to businessman account and the credit side who charges to consumer account.As mentioned above, though carry out at this moment the confirmation stage, later stage scheme activity (for example, obtain and regain) can take place, to put upside down this transaction.

Shown in piece 650, the clearing house inventive system produces a response message.Table 2 is listed some fields of the response message that constitutes according to an embodiment.

Table 2

Order #
Order #	Businessman ID
Time	Businessman ID
Time	Status code

For producing response message, the sequence number of clearing house inventive system computation sequence # field.Sequence number is similar to the sequence number that is included in the RFA message.Businessman ID (being also contained in the RFA message) discerns corresponding businessman uniquely.The time field is inserted a date stamp to corresponding message, differentiates immediate second.Listed state code field is indicated corresponding RFA condition of information in the table 2.In one embodiment, the clearing house inventive system produces one of one of four states code.Depositing success status sign indicating number indication has done to be worth and has transmitted transaction (for example, charge to businessman account's debit and charge to consumer account's credit side).Second type code indication is refused authorization requests because of detected situation in the swindle control procedure.The state code of the third type also means the refusal licensing status, and it indicates the value among the businessman account to be not enough to carry out transaction.Also have a kind of disarmed state code indication insufficient by the voucher that confirms the consumer that token is discerned.For example, identification consumer's confirmation token is not enough to prove that the consumer is people or the entity that the consumer claims.

In one embodiment, the information of the relevant transaction of clearing house inventive system record, thereby the overview (profile) of relevant transaction in editor's promotion plan.For example, from the overview of clearing house, the clearing house can produce the information of the consumer's who discerns one or more upgrading activities that this businessman supported of participation type.The clearing house can produce the overview of crossing over all businessman, attracted to consumer's the type of the upgrading of particular type with indication.By RFA and response message information, the clearing house inventive system can produce various types of overviews.

In addition, shown in the piece 650 of Fig. 6, the clearing house inventive system carries out digital signature and encryption to response message.In one embodiment, the clearing house inventive system utilizes the cryptography algorithm of symmetry, with businessman's privacy key response message is encrypted.Yet, can use any algorithm that response message is carried out digital signature and encryption.

Shown in the piece 660 of Fig. 6, the clearing house inventive system sends to the businessman position to response message from the position, clearing house via the Internet.Shown in piece 670, in the businessman position, long-range promotion management system is decrypted this response message, and verifies the reliability of message by analyzing digital signature.Shown in piece 680, condition of information record or login indicated in the response message status code are logined among 320 (Fig. 3) in transaction.If produce RFA message, then from the asynchronous transaction login, remove the pending status of asynchronous transaction with the asynchronous pattern (seeing following) that resends.Shown in piece 690, the message of indication stateful transaction is sent by long-range promotion management system to the consumer.

In a preferred embodiment, the value of inventive system transmits network and has guaranteed to transmit reliably to be worth to conclude the business.As mentioned above, after the consumer enters the money-making activity, calling first of starting of RFA-API 310 guaranteed that long-range promotion management system (for example, server) can operate.This process breaks down by finish money-making activity forward direction consumer indication the consumer, and the influence of the system failure is minimized.Though long-range promotion management system can operate, RFA message when long-range promotion management server sends to the clearing house, may break down (for example, the Internet fault).Described for the purpose of naming in conjunction with Fig. 2 a-2c, be synchronous mode of operation to consumer's real-time response.If break down when the real-time response that be worth to transmit is provided, then long-range promotion management system enters the asynchronous pattern that resends.

Generally, when resending when operating under the pattern asynchronous, long-range promotion management system produces RFA message on one's own initiative.In one embodiment, the value transmission of successfully not carrying out owing to be worth the fault in the transmission network is signed, deciphered, and login is in the asynchronous transaction login.For this embodiment, login is signed and deciphered in the RFA message in the asynchronous transaction login, the unwarranted of RFA message altered preventing.Long-range promotion management server 315 periodically initiatively starts the transmission of RFA message.For example, if the fault in the value network is attributable to the Internet, resend this RFA message then long-range promotion management system cycle.In one embodiment, when resending when operating under the pattern asynchronous, if a large amount of value is sent to the consumer, then the promotion management system sends to the consumer to an email message, whether gives the consumer being worth to reward with checking.As discussing,, then notify the consumer after meeting the promotion plan condition, just to transmit and be worth if network failure takes place really in conjunction with Fig. 2 c.If the trial and success of asynchronous routine sending mode, thereby long-range promotion management system receives the response message with success status sign indicating number, then removes the asynchronous pattern transaction that resends the pattern login from asynchronous resending.

If be worth and transmit unsuccessfully attempting the back several times, then the businessman notifies the clearing house to be worth transmissions (for example, be different from via the message transmission of the Internet means) via other means.This notice (via other means) has guaranteed to be worth the reliability that transmits.In the case, long-range promotion management system can sign in to this transaction on the permanent storage medium.By using permanent storage medium, can send transaction to clearing house, comprise in fact permanent storage medium is sent to the clearing house.Therefore, inventive system of the present invention has guaranteed to deposit in the reliability services of value in consumer's account.

In order further to guarantee to be worth the reliability that transmits network, in one embodiment, long-range promotion management system and clearing house inventive system are periodically carried out " regularly (ping) " transaction.For this embodiment, long-range promotion management system cycle ground sends a message and carries out regularly transaction, the communication link between this information test long-range promotion management system and the clearing house inventive system.At least, to signing about the information of regularly transaction and deciphering, this information comprises the time mark when this message of identification sends.Yet this message can comprise any parameter.If success, long-range promotion management system receives the response through signature and deciphering from the clearing house inventive system, and this response also comprises the time mark of indicating this response when to send.Similarly, this response can comprise any parameter.In addition, the clearing house inventive system can start regularly transaction.

Be positioned at the businessman position and can remotely manage long-range promotion management system.Generally, can remotely manage the function of any number that belongs to long-range promotion management system.For example, telemanagement can comprise following function: reading transaction login, upgrade long-range promotion management system software, stop one or more promotion plans, upgrade the IP address, change the frequency of regularly transaction etc.In one embodiment, by using the software that on the residing server of exchange, moves to manage long-range promotion management system from the clearing house.

An embodiment of the long-range promotion management system that Fig. 7 is illustrated in that the businessman position realizes.Shown businessman's webserver 300 is coupled to promotion management system 400, and in one embodiment, promotion management system 400 comprises one fen server of opening.As mentioned above, can on individual server, realize long-range promotion management system.In one embodiment, the realization of businessman on businessman's webserver 300 is included in the cgi script that is designated as frame 700 among Fig. 7.Yet, can use the layout technology of NSAPI, ISAPI and other similar server one side to realize the function of businessman's the webserver 300.Two-wire with the arrow termination represents that cgi script 700 moves on businessman's the webserver 300.Generally, cgi script 700 comprises three basic functions.At first, all parameters of the relevant money-making activity of cgi script 700 definition comprise finishing of checking money-making exchange.As second function listing in the piece 700, cgi script calls the long-range promotion management routine of authorization requests (RFA), so that value is sent to the consumer.As shown in Figure 3, in one embodiment, businessman's web server software is invoked at the RFA-API 310 shown in the piece 310 among Fig. 7.As mentioned above, RFA-API 310 is the unusual branches (hook) in the software of long-range promotion management system 400.As the 3rd basic function, cgi script 700 is shown to consumer's (seeing Fig. 2 a, 2b and 2c) to response/result.The arrow that the webserver 300 is coupled to long-range promotion management system 400 can be that the network on the Local Area Network connects.

For this embodiment, the businessman has realized upgrade function fully on businessman's the webserver 300.The website that this realization makes the businessman can keep being customized is realized promotion plan simultaneously.If the function of supporting ecommerce is arranged on businessman's the webpage before carrying out promotion plan, then the businessman only need revise the website and wait the upgrading aspect to comprise such as adding the upgrading page or leaf.As a result, for the function that realizes supporting the money-making activity, the businessman has control and dirigibility completely.

The currency exchange of consumer's special tags:

With reference to figure 3, an embodiment of consumer's special tags currency exchange system is shown again.The consumer who is entered the Internet via consumer's Internet service provider 330 finds the position of the internet site of clearing house.On Fig. 3, with corresponding arrow this is shown with " Z " shape line and is connected.In one embodiment, support the website, clearing house by clearing house promotion management server 340.Perhaps, can realize being exclusively used in the server that separates of redemption process.As shown in the line of server 340 and consumer account's 335 couplings, clearing house promotion management server 340 can enter consumer account 335.

Generally, redemption process relates to the consumer that request converts special tags monetary value to certain other forms of value.Fig. 8 is the process flow diagram that an embodiment of consumer's special tags currency exchange is shown.Shown in piece 800, the consumer contacts the website, clearing house of supporting the special tags currency exchange.Can on the one or more webpages on the website, clearing house, realize redemption process.Before exchanging any value, the consumer must be by confirming he or she oneself on the social identity of the consumer's who is used for earning value network identity being related to effectively the consumer.Shown in piece 810, the consumer confirms he or she oneself to the clearing house inventive system.In one embodiment, in order to confirm themselves, the consumer submits Digital ID and password to when the account who has with the clearing house.If consumer's key account, then the consumer must offer a consumer account.In one embodiment, confirmation step is and is used for producing the identical information of token (table 1) that confirms in RFA message.

Generally, in order to offer an account, the consumer offers the clearing house to information.The risk that the type of the information that is provided and quantity are born with promotion plan changes.In one embodiment, at least, the consumer offers the clearing house to his/her name and e-mail address.Thereafter, the Email of amount of the claim external information is sent in the clearing house to the consumer.In response to this Email, the consumer provides in order to start the account fully: participate in the historical record of businessman's money-making activity, discern consumer's sign (ID) and/or digital certificate uniquely.In one embodiment, the digital certificate that digital certificate conformance with standard x509.3 is limited.

Shown in

piece

810 and 870, if the consumer is not proved, then the consumer receives the notice that confirms failure.Shown in

piece

810 and 820, if confirm successfully, then the clearing house inventive system shows account information and exchanges catalogue corresponding consumer.Generally, account information comprises the value that the consumer earns or the quantity of special tags currency.For example, account information can be indicated to reward and be given counting of consumer.

Consumer's obtainable goods of value exchange and the service of having exchanged directory enumeration.These services and goods can comprise frequent flyer mile, cash, deposit or any other goods and/or service.Except goods and/or service inventory, exchange catalogue and can comprise the various goods of exchange and/or serve the required magnitude of value.Exchange catalogue and also can indicate the value relativeness of exchanging between the value that catalogue and consumer earn.For example, a bit convertible frequent flyer mile of whenever earning of consumer.

Shown in the piece 830 of Fig. 8, for exchange value, the consumer selects the exchange project from exchange catalogue.Generally, this step relates to the consumer some mode that converts goods and/or service from the value of special tags money-system to.Shown in the piece 840 of Fig. 8, the exchange inventive system is held the swindle control procedure.Generally, the swindle control procedure has guaranteed that the consumer satisfies some statistical standard before carrying out redemption process.For example, in one embodiment, can when exchanging a large amount of value, consumer tests carry out stricter swindle control procedure.Shown in piece 850 to 870, if detect swindle (for example, the consumer does not satisfy statistical standard), then the consumer receives the not notice of exchange value.Perhaps, shown in piece 860, if do not detect swindle, then inventive system is charged to consumer account's debit, and beginning supplier fulfillment processes.

Generally, supplier's work of fulfiling relates to the process of exchanging goods and/or service of paying that starts.For example, if the exchange project is the frequent flyer mile, then the steps necessary that the value of being exchanged is consigned to supplier (airline) is carried out in the clearing house.Then, supplier's value of in fact gifting and being exchanged.For the example of frequent flyer mile incentive plan, supplier (airline) rewards the frequent flyer mile to the consumer.

Shown in piece 870, in last step of online redemption process, the consumer receives the notice of the account information of renewal.The account information that upgrades comprises the value that the consumer holds or the new sum of special tags currency.For example, if the consumer has 2,000 points before exchange, be that an exchange project has been exchanged 1,000 point, then inventive system shows that 1,000 remaining sum is as the account information that upgrades.

As mentioned above, the consumer that participate in money-making activity and exchange value must confirm themselves.Generally, the consumer confirms to refer to network identity is related on society's sign of consumer.The requirement that confirms is earned to be worth to have increased by the activity of making money to consumer's startup and is entered obstacle.Want to reduce entering obstacle, make money activity to earn value to attract the consumer.Yet minimum if the consumer confirms to require, this system subjects to swindle and abuse.For example, " Robin Hood (Robin Hood) " assailant may attempt to extract all value from the businessman, even the Robin Hood assailant does not exchange the attempt of this value." living person's ghost (Doppleganger) " assailant attempt shows as many people, and this assailant manages to have got many magnitude of value.Thereby, for this preferred embodiment, earning between the relative advantage that is worth and prevents to swindle and abuse promotion plan and reaching balance to absorb the consumer with high confirmation obstacle with low confirmation obstacle.

In one embodiment, consumer's validation process is created clearing house member's (account information that for example, has the consumer in consumer's accounts database 335 (Fig. 3)) by the consumer account who produces the clearing house first.The consumer confirms it is once process only first.After finishing first consumer's validation process, the consumer relies on the consumer to provide UID password or public keys to prove that (for example, confirming token) carry out " normally " confirmation before entering the money-making activity.

In one embodiment, the confirmation of inventive system support postponement.Generally, the confirmation of postponement makes the consumer confirm to advance into the money-making activity first.For this situation, the consumer is deposited in static (inactive) account in the value of earning between active stage of making money.A reason carrying out the authentication system of postponing is, in case the consumer earns value, will more encourage them to carry out stricter validation process first.For the purpose of naming, inactive account is called " unsettled trading pit " (" pending transaction pool ").

When allowing the confirmation of postponing, before the consumer had carried out confirming first, value was kept in the unsettled trading pit.Thereby only value was sent to consumer account's (for example, confirming the back first) from inactive account after, this value was only convertible.In a preferred embodiment, after time, be kept at the value expiration in the unsettled trading pit such as predetermined quantities such as fortnights.The value that is kept in the unsettled trading pit may be because of the former of any number thereby expiration.The consumer who finishes the money-making activity before the consumer confirms first forgets first and confirms, therefore should be worth unexpected expiration.Value in the unsettled trading pit also may because of a breach of security that makes a stab or make a stab Denial of Service attack expire.

Use unsettled trading pit that additional record keeping problem is provided between clearing house and businessman.In one embodiment, when value enters inactive account to businessman keep accounts (for example, debting from businessman account) being worth.In a second embodiment, only confirm first, and just charge to businessman account's debit when value is sent to specific consumer account the consumer.In the 3rd embodiment, carry out the combination of preceding two embodiment, thereby when value entered inactive account, the account from the businessman debted part value, if value is sent to specific consumer account, then the account of the value of remainder from the businessman debted.

Computer system:

Fig. 9 illustrates the high-level block diagram of general-purpose computing system, wherein can realize the server of inventive system of the present invention.Computer system 1000 comprises processor unit 1005, primary memory 1010 and interconnect bus 1025.Processor unit 1005 can comprise single microprocessor, perhaps can comprise a plurality of microprocessors that make computer system 1000 constitute multicomputer system.Primary memory 1010 is the performed instruction and data in storage of processor unit 1005 partly.If realize inventive system of the present invention with software whole or in part, then primary memory 1010 is stored executable code in operation.Primary memory 1010 can comprise the combination of dynamic RAM (DRAM) and cache memory.

Computer system 1000 also comprises mass storage device 1020, external device 1030, portable storage medium drives 1040, input control device 1070, graphics subsystem 1050 and Output Display Unit 1060.In order to simplify, all elements of the computer system 1000 shown in Fig. 9 all connect via bus 1025.Yet computer system 1000 can connect by one or more data links.For example, processor elements 1005 can be connected by local micro-processor bus with primary memory 1010, and mass storage device 1020, external device 1030, portable storage medium drives 1040, graphics subsystem 1050 can connect by one or more I/O (I/O) bus.Mass storage device 1020 can disc driver or CD drive realize that it can be the nonvolatile semiconductor memory member that is used for storage of processor unit 1005 employed data and instruction.In the software implementation example, mass storage device 1020 storages are loaded into the inventive system software of primary memory 1010.

Portable storage media device 1040 is in conjunction with operating such as floppy disk or compact disc read-only memory portable non-volatile storage medium such as (CD-ROM), to commute computer system 1000 input and output data and codes.In one embodiment, sales promotion software is stored on this portable media, and is input in the computer system 1000 via portable storage medium drives 1040.External device 1030 can comprise such as the computing machine of any kinds such as I/O (I/O) interface supports device, increases additional function to give computer system 1000.For example, external device 1030 can comprise and is used for computer system 1000 is received the network of network interface card.

Input control device 1070 provides a part of user interface for the user of computer system 1000.Input control device 1070 can comprise the alphanumeric keyboard that is used for input alphabet numeral and other key information, such as cursor control spares such as Genius mouse, tracking ball, recording pointer or cursor direction key.For videotex and graphical information, computer system 1000 comprises graphics subsystem 1050 and Output Display Unit 1060.Output Display Unit 1060 can comprise cathode ray tube (CRT) display or LCD (LCD).Graphics subsystem 1050 receives text and graphical information, and handles these information so that export to Output Display Unit 1060.The element that is included in the computer system 1000 is those elements that find in general-purpose computing system usually, and in fact, these elements will be represented the big class of these known in this area computer components.

Can hardware, software or the two realize inventive system.Realize that for software the promotion management system is included in the software that general-purpose computing system (for example, one or more servers) goes up a plurality of computer executable instructions of realizing.Before being loaded into general-purpose computing system, inventive system software can be used as such as encoded information on magnetic floppy disc, tape and the compact disc read-only memory computer-readable medias such as (CD-ROM) and exists.In a hardware was realized, inventive system can comprise application specific processor, and this processor comprises the processor instruction that is used to carry out function described here.Also can develop the circuit of carrying out function described here.Can be embodied as the database that is stored in the storer to transaction login, clients' accounts and businessman account, use with the inventive system software that on server, is moved.

Though described the present invention with regard to specific example embodiment, can understand those skilled in the art and can carry out various modifications and change and do not deviate from the spirit and scope of the present invention.

Claims

1. method that is used to realize online inventive system said method comprising the steps of:

Locate to provide to make the consumer enter the money-making activity in businessman's website to earn the means of value from described businessman; And

If described consumer is qualified, then send the described consumer who participates in described money-making activity to being worth from described businessman, and not described consumer need not alter course and leave described businessman's website, thereby described consumer's firing line is stayed on described businessman's the website.

2. the method for claim 1, the place, website that the step that it is characterized in that transmitting value is included in the businessman provides by defining the parameter of determining described money-making activity and determines the whether qualified step of earning the means of value of described consumer, and described consumer stays on described businessman's the website to earn value from described businessman.

3. the method for claim 1 is characterized in that also comprising to clearing house site requests mandate being worth the step that is sent to described consumer from described businessman.

4. the method for claim 1 is characterized in that further comprising the steps of:

Execution provides the step and being provided at that makes the consumer enter the means of money-making activity to determine the whether qualified step of earning the means of value of described consumer on businessman's the webserver; And

Execution on away from the server of described businessman's the webserver to clearing house request mandate with being worth the step that sends described consumer from described businessman to.

5. the method for claim 1 is characterized in that providing the step that makes the consumer earn the means of value by the activity of making money to comprise providing the step of the means that mode that the consumer is scheduled to described businessman arouses attention.

6. the method for claim 1 is characterized in that providing the step that makes the consumer earn the means of value by the activity of making money to comprise providing the step that makes the consumer send the means of described businessman institute information requested.

7. the method for claim 1 is characterized in that providing the step that makes the consumer earn the means of value by the activity of making money to comprise providing the step of the means that make the mode boot activity that the consumer is scheduled to described businessman.

8. the method for claim 1 is characterized in that providing the step that makes the consumer earn the means of value by the activity of making money to comprise providing the step that makes the consumer buy the means of the commodity that the businessman provides.

9. a value that is used for that the businessman is gifted is sent to the method to the consumer, said method comprising the steps of:

Produce the request of authorizing value to transmit from described businessman's businessman account to described consumer in described businessman's position;

Described request is sent with charge free the website of clearing house from described businessman's website;

At website place, described clearing house, authorize described value to transmit from described businessman's described businessman account to described consumer;

At website place, described clearing house, produce the response message of the described licensing status of indication; And

Described consumer is produced the response of the described state of the described authorization requests of indication.

10. method as claimed in claim 9 is characterized in that further comprising the steps of:

Described value is deposited in described consumer's account; And

Described value among described businessman's the account is entered the debit.

11. method as claimed in claim 9 is characterized in that also being included in the step that resends described request message when transmission between described businessman's website and the described clearing house website is broken down.

12. method as claimed in claim 9 is characterized in that also being included in described businessman position and logins the step that described value transmits transaction.

13. method as claimed in claim 12 is characterized in that the step of logining described value transmission transaction comprises that logining described value with the readable text of people transmits transaction.

14. method as claimed in claim 12 is characterized in that the step of logining described value transmission transaction also comprises the step that digital signature and encryption are carried out in described value transmission transaction.

15. method as claimed in claim 9 is characterized in that the step that produces authorization requests comprises the step of using the private key cryptography algorithm that described request message is encrypted.

16. method as claimed in claim 9 is characterized in that further comprising the steps of:

Provide and make described businessman catch the means that described value transmits; And

Provide and make described businessman carry out the means that transmit opposite withdrawal with described value.

17. comprising, method as claimed in claim 9, the step that it is characterized in that authorizing described value to transmit carry out the swindle control procedure to detect the whether step of the described inventive system of attempted fraud of consumer.

18. method as claimed in claim 9 is characterized in that the step of authorizing described value to transmit comprises the step of authorizing described value to transmit to the consumer who is not also confirmed by described inventive system.

19. method as claimed in claim 18 is characterized in that also comprising described value is sent to the step of inactive account to treat that described consumer is confirmed.

20. a method that is used to realize inventive system said method comprising the steps of:

The means that make the consumer earn the value that described businessman gifts by the activity of making money are provided at businessman's website place:

The described value that form was provided with common special tags currency is sent to described clearing house from described businessman; And

Make described consumer exchange the means of goods and service with described special tags monetary value of living in the providing of described exchange.