WO2001033451A1 - Procede d'hebergement de marche sur l'internet pour echange de monnaie electronique fictive (epc) - Google Patents

Procede d'hebergement de marche sur l'internet pour echange de monnaie electronique fictive (epc) Download PDF

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Publication number
WO2001033451A1
WO2001033451A1 PCT/US2000/026279 US0026279W WO0133451A1 WO 2001033451 A1 WO2001033451 A1 WO 2001033451A1 US 0026279 W US0026279 W US 0026279W WO 0133451 A1 WO0133451 A1 WO 0133451A1
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WIPO (PCT)
Prior art keywords
user
electronic
users
exchange
currencies
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PCT/US2000/026279
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English (en)
Inventor
G. Christopher Harris
Original Assignee
Harris G Christopher
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Harris G Christopher filed Critical Harris G Christopher
Priority to AU11898/01A priority Critical patent/AU1189801A/en
Publication of WO2001033451A1 publication Critical patent/WO2001033451A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion

Definitions

  • the present invention relates to an Internet-based Exchange facility for the trading of electronic proxy currencies. More particularly, the present embodiment of the invention relates to the implementation of an on-line, interactive program for the trading of electronic proxy currencies such as frequent flyer miles, frequent guest or buyer points, commonly known as customer loyalty rewards, coupons, vouchers, gift certificates, stamps, etc or other such similar articles.
  • a conventional forward or ascending auction process includes multiple buyers that bid on an item for sale offered by an individual seller usually starting with a preset minimum bid and at the end of the bid period the highest bid wins.
  • the bidding process is open (open outcry provides, at minimum, knowledge of the highest bid at all times) or closed (sealed bids) there is only one winner and a single transaction channel. This is loosely termed as a One (Seller)-to- Many (Buyers) single channel auction transaction.
  • a typical reverse or descending auction process includes multiple sellers of the same commodity that either accept or decline an offer from a single buyer.
  • each buyer makes offers separate from other buyers and thus is not privy to what other buyers may bid for the same item.
  • the sellers compete with each other by lowering their price to fulfill the buyer's offer.
  • the sellers are in competition with each other (and may have knowledge of the price at which other sellers accept an offer) in this system there may not be a successful conclusion to the transaction since the price acceptable to the buyer may not meet the sellers' minimum price threshold. This is loosely termed as a Many (Sellers)-to-One (Buyer) single channel auction transaction.
  • a traditional Exchange method like a stock market has many buyers and many sellers and essentially buyers compete with buyers and sellers compete with sellers in a continuous double auction.
  • One of the factors however that influences the price for a particular company's equity shares is the fact that there is always a proscribed number of shares that are available to be bought or sold.
  • demand may outpace supply if at a given time sellers of that stock are scarce and likewise supply may outstrip demand if buyers are non-existent.
  • there is essentially a finite supply pool (the shares) in comparison to a much larger (almost infinite) demand pool (cash) any appreciable imbalance between the demand and supply of shares usually has an acute effect on price.
  • This auction and exchange mechanism allows for a user to assume the role of either a bidder or seller at opportune junctures in the auction process. It is a Many (Sellers) -to-Many (Buyers) open bidding multi-channel auction transaction and intrinsically it is also a concurrent multi-channel forward and reverse auction process.
  • the present invention provides an Internet-based market hosting method for an Electronic Proxy Currency (EPC) Exchange.
  • EPC Electronic Proxy Currency
  • the concept, methods and processes incorporated in the invention are to create a publicly available, interactive, on-line Exchange facility for the trading of electronic proxy currencies such as frequent flyer miles, frequent guest or buyer points or other such similar articles commonly known as customer loyalty rewards.
  • the program incorporates a mixed auctioning method that allows for any user to assume the role of either bidder or seller at opportune and appropriate junctures in the auction process.
  • An authorized user may access the Exchange on-line and engage in desired transactions using a pre-determined process.
  • the program automatically authenticates the user's identity and verifies the user's available electronic proxy currencies. The user may then electronically initiate, modify, cancel, or conclude an exchange transaction.
  • the program also creates, maintains and updates a custodial account for registered users and communicates updated transaction information to the EPC issuer.
  • the present invention is advantageous in that it provides an on-line, interactive program for the trading of electronic proxy currencies.
  • the disclosed invention applies market hosting methods in a new context, and assembles the processes in a new, useful and non-obvious way.
  • the elemental concepts and methods are disclosed in the embodiments.
  • the disclosed invention is also advantageous in that it permits consumers or businesses to maximize the utility value of their proxy currencies.
  • the present invention is further advantageous in that it provides proxy currency issuers a method to enhance the intrinsic and perceived value of their awards programs and potentially increase program revenues and or reduce marketing costs.
  • Yet another advantage of the present invention is that it provides a method and platform to generate advertising and or sponsorship income.
  • Yet another advantage of the present invention is that it provides a user the ability to view a listing of proxy currency issuers, view the EPC available in the user's custodial account, conduct a proxy currency exchange transaction, check the status of pending transactions and view other ancillary information.
  • FIG. 1 is an overview of the system of the present invention.
  • FIG. 2 is a flow chart showing the access part of the program of the preferred embodiment of the present invention
  • FIG. 3 is a flow chart showing the user registration part of the program of the preferred embodiment of the present invention
  • FIG. 4 is a flow chart showing the electronic proxy currency exchange transaction part of the program of the preferred embodiment of the present invention.
  • FIG. 5 is an illustration of the Main Board listing of the preferred embodiment of the present invention.
  • FIG. 6. is an illustration of a Merchant Panel of the preferred embodiment of the present invention.
  • FIG. 7 is an illustration of a Queue page of the preferred embodiment of the present invention.
  • FIG 8. is a graphical illustration of the user transaction execution part of the preferred embodiment of the present invention.
  • FIGURE 1 is a depiction of a system, generally indicated by the numeral 10, for accumulating electronic proxy currency data which may be stored in a database.
  • the SYSTEM 10 also includes means for facilitating exchanges of electronic proxy currencies in accordance with the method of the invention as will be explained in more detail later.
  • several USER TERMINALS 20 which may be personal computers, PADs, kiosks, or other means capable of connecting to and exchanging data on the Internet, are used to generate an electronic currency profile for a particular user or client.
  • Electronic proxy currency (EPC) ISSUERS 21 which may be merchants, service providers, or other commercial entities may be connected to a CENTRAL COMPUTER 22 via the Internet, LAN, VPN, etc. Alternatively physical media may be used to exchange merchant data with the central computer.
  • EPC Electronic proxy currency
  • the CENTRAL COMPUTER 22 contains a DATABASE 24 for storing the data items, as well as interface means for interfacing with a SERVER COMPUTER 26, which may be a mainframe computer such as a Unix or OS/2 server.
  • a SOFTWARE KERNEL 28 stored in the SERVER COMPUTER 26 contains code for manipulating and processing electronic proxy currency data in accordance with the methods of the present invention which may be executed by a processor within the SERVER COMPUTER 26.
  • the code may also be stored on a portable medium such as magnetic tape or disc.
  • the KERNEL 28 accesses one or more DATABASES 32 which contain data concerning the transactions from which valid exchanges of proxy currencies among users are to be facilitated. Once the transactions are verified they may be sent to the Exchange COMPUTER 22 via I/O MODULE 34.
  • the Exchange COMPUTER 22 contains an electronic proxy currency INTERFACE 36 which functions as an input mechanism for certain variables such as valuation of electronic proxy currency, expiration dates of the electronic proxy currency, etc.
  • the client COMPUTER 22 also includes an OUTPUT DEVICE 38 such as a CRT, printer, or floppy disk.
  • the method of the present invention is implemented by a computer program which will be described with reference to FIGS. 2 - 8.
  • FIG. 2 is a flow chart showing the access part of the program. Upon gaining access to the
  • a user may proceed to the HOMEPAGE 50 of the Exchange at its designated URL or IP address.
  • HOMEPAGE 50 is the main Internet address for the Exchange program.
  • USER A, B, C indicates different user classification for access and authorization since restrictions may be imposed for accessibility to various levels of activity (further defined in Figure 3).
  • the user Upon viewing the HOMEPAGE 50 the user is provided with a SELECTION MENU 100 that supplies several options. Depending on the user's choice from the SELECTION MENU 100 the program may proceed to the online REGISTRATION FORM 110 that allows any
  • the user may choose to go directly to view the MAIN BOARD 400 listing of Merchant members or electronic proxy currency issuers.
  • the user may also select to view the Exchange INSTRUCTIONS 430 and guidelines governing user trading activity or browse through various FAQ 440 (Frequently Asked Questions) listings generated in response to questions submitted by users of the Exchange.
  • FAQ 440 frequently Asked Questions
  • the standard USER AGREEMENT 450 is also provided that describes the legal terms and conditions governing access to or use of the Exchange and any other statutory requirements or legal disclaimers that may apply.
  • provision may also be made for automatic LINKS 460 to other Internet websites or homepages for relevant information.
  • an on-line REGISTRATION FORM 110 is presented to the user.
  • the program checks for completeness the user's response to a pre-determined inquiry set. If the application form is not completed fully then the user is restricted to a pre-determined level of access to the Exchange that allows for browsing and viewing as a PUBLIC ACCESS USER C.
  • the user may complete the application and is also provided the option to include authorization for an ELECTRONIC PAYMENT 120 for any transaction or registration fees that may be incurred by the user.
  • the method of electronic payment could be for example by credit or debit card or similar process. If such option is selected by the user the program proceeds to step 130, whereupon a communication link is established and the program verifies the user's identity, credit card information, availability of funds etc., it being appreciated by those skilled in the art that there exists standard commercial procedures to execute such verification and authentication procedures.
  • step 130 the program proceeds to CREATE LEVEL 1 ACCESS ACCOUNT 140 based on the registration information supplied by the user in step 115. Memberships in rewards programs for example are also verified using a pre-determined routine. If the preceding steps are completed successfully the program assigns a unique ID number to the user and enrolls the user as a bona fide member in the Exchange's USER 1 REGISTRATION DATABASE 700. This provides the registrant with top level access to and use of the Exchange.
  • step 120 If the user decides not to immediately authorize electronic payment at step 120, or step 130 is not successful the program proceeds to CREATE LEVEL 2 ACCESS ACCOUNT 150 based on the registration information supplied by the user in step 115. Memberships in rewards programs are similarly verified using a pre-determined routine.
  • the program enrolls the user as a bona fide member in the USER 2 REGISTRATION DATABASE 800. This provides the registrant with restricted access to and use of a set of pre-determined Exchange features which is greater than a public access user but less than Level 1 account privileges.
  • FIG. 2 if the user's choice from the SELECTION MENU 100 is to proceed to activate the MAIN BOARD 400 selection the program continues to the procedure to DISPLAY MAIN BOARD 410 as indicated in FIG. 4.
  • the Main Board shows a list of Merchant members and EPC issuers of the Exchange in a pre-determined graphical or textual format. It being appreciated by those skilled in the art that such list may be shown as an arrangement of icons, logos or other interactive (hypertext) format using appropriate computer languages. An example of a listing is shown below in FIGURE 5.
  • the user may proceed to the next step using a computer mouse and click on the desired Merchant member logo or name for viewing of that Merchant Panel (described below). This is depicted in FIG. 4 as step 420 SELECT MERCHANT PANEL.
  • DISPLAY MERCHANT PANEL 500 is depicted as multiple pages indicating that if a large amount of information needs to be included the display may actually comprise several pages and the user will be provided with a scroll option so as to be able to scroll over the information pages.
  • a particular Merchant Panel displays in a pre-determined manner a view of the trading activity associated with the selected Merchant program. This provides a user who wishes to conduct a transaction for miles or points ("milpts") or other form of electronic proxy currency issued by the particular Merchant, the ability to view the current status of associated trading activity.
  • the Merchant Panel lists and updates the top bids made by registered users for a discrete quantity of that Merchant's proxy currency. The bids are expressed in terms of the other proxy currencies available on the Exchange.
  • the discrete quantities are represented by "Blocks" of milpts across the top row of the panel.
  • the figure depicts the ABC Merchant Panel with several top bids, for example, indicating a user (or users) has bid
  • BLOCK - This represents a discrete quantity of milpts denoted as xK , where K equals thousand.
  • the example in Figure 6 depicts blocks between 1 K and 1000K. This may be extended to the desired value in any desired interval steps.
  • SOURCE - These are the call letters used to identify a particular Merchant member or EPC issuer.
  • QS SQUARE - A square under a Block heading represents the Quantity and Source information- Quantity denoted in milpts or other units, in thousands, and Source described by call letters.
  • Status Code 3 Indicates the quantity and source of milpts at which the last trade was closed for that particular block and that no bids are pending. May also indicate that a pre-determined number of hours have not elapsed since that trade.
  • Status Code 4 Indicates that the last bid was either canceled or time expired and a pre-determined number of hours has not elapsed since the cancellation or expiration.
  • Each QS Square is representative of and linked to an underlying page, defined as a "Queue" that lists the top pre-designated number of bids in descending order according to the value of each bid.
  • Each Queue by definition is associated with a pair of Merchant members or EPC issuers.
  • the Number of Bids column indicates the number of users that have placed bids of the same value as shown in the Amount column. Bids of equal value are additionally queued according to the date and time that the bids were submitted (not shown). If applicable the bids are also sorted according to any associated validity expiration date (DEC).
  • DEC validity expiration date
  • the Date Expiration Codes are designators that indicate the date, if any, by which the utility value of the commodity would expire, for example,
  • Code 2 or color pre-determined number of days from current date Code 3 or color: second pre-determined number of days from current date
  • the HI, LO, LAST, BENCH, definitions are valid for a specific 24 hour period
  • HI - represents the highest bid at which a trade was closed
  • LO - represents the lowest bid at which a trade was closed
  • the information in the Queue is updated continuously as values in the Queue are changed as a result of trade activity. The user will see these changes as often as they refresh their computer screen.
  • a bid made by a user it may be placed in the QUEUE if it is among the top pre-designated number of bids. If it is not then it is placed in the category designated "POOL".
  • the bids contained in the POOL will be similarly ranked according to bid size and time and date order. As values of the top bids vary, bids from the pool will be placed in the Queue and vice-versa.
  • a user would proceed from viewing a Merchant Panel to SELECT OR CREATE QUEUE 510 whereupon the program would then proceed to DISPLAY QUEUE 600 and simultaneously provide a user the options depicted by SELECTION MENU 520.
  • SELECTION MENU 520 indicates options available that allow a user to initiate, cancel, modify or close a transaction for, in the above example, a desired Block of milpts. If a QS square is blank on a particular Merchant Panel indicating that no bids have been made for more than a pre-designated number of hours prior to the current time, the user can initiate the CREATE QUEUE 510 process and place their bid by clicking on a 'Start New Queue' icon located on the Merchant Panel. ( Figure 6)
  • the preferred embodiment of the invention also provides a material feature wherein the user may employ a reverse approach to the process and instead commence the transaction by the acceptance of a bid offered on a Queue Page.
  • a XYZ bidder has the option to review the XYZ Merchant Panel and evaluate offers made by ABC bidders on a XYZ- ABC Queue, as opposed to placing a bid on an ABC-XYZ Queue as illustrated in Figure 7. All Queues are accessed via the desired Merchant Panel, the user simply identifies and clicks on the QS square under the desired Block.
  • INITIATE BID 610 While viewing a desired Queue page the means for a user to INITIATE BID 610, ACCEPT BID 620, INCREASE BID 630, CANCEL BID 640, and EXTEND (time) BID 650 is provided as depicted in FIG 4.
  • INITIATE BID 610 While viewing a desired Queue page the means for a user to INITIATE BID 610, ACCEPT BID 620, INCREASE BID 630, CANCEL BID 640, and EXTEND (time) BID 650 is provided as depicted in FIG 4.
  • ENTER REQUIRED INFORMATION 660 As described in further detail below.
  • a new bid is placed on a Queue by using a "Submit New Bid" button or similar menu selection.
  • the preferred embodiment of the invention requires a minimum of user information to be submitted: (a) the bid amount and (b) the associated expiration date code, if any.
  • An alternate embodiment in addition requires (c) a Queue number and (d) selection of an alternative acceptable expiration date code for any milpts received in exchange if the default choice is unavailable.
  • a bid offer is accepted and closed with any bid listed on a Queue, by using an "Accept Bid" button or similar menu selection.
  • the preferred embodiment of the present invention similarly requires a minimum of user information to be supplied: (a) a Queue number, (b) the Bid amount and (c) the associated expiration date code, if any.
  • An alternate embodiment in addition requires (d) the date expiration code associated with the Accept offer and (e) selection of an alternative acceptable expiration date code for any milpts received in exchange if the default choice is unavailable.
  • a new bid is initiated via a selected Merchant Panel when a QS square is blank or non- existent by using a "Start New Queue" icon on a Merchant Panel ( Figure 6). This action initiates the creation of a new Queue where the user's Bid will be listed. Subsequent bidders are added to this Queue.
  • the preferred embodiment of the present invention requires a minimum of user information to be submitted: (a) the bid amount and (b) the Source of milpts or EPC, (c) the associated expiration date code, if any and (d) the selected block on the Merchant Panel.
  • An alternative embodiment in addition requires (e) selection of an alternative acceptable expiration date code for any milpts received in exchange if the default choice is unavailable.
  • the value of an existing bid previously made by a user that is listed on a Queue is increased by using an "Increase Bid Value" button or similar menu selection.
  • the preferred embodiment of the present invention requires a minimum of user information to be submitted: (a) the increased bid amount and (b) and the expiration date code, if any.
  • each Queue is displayed on an individual page and each of these pages is designed and programmed to provide space for electronic advertising messages, thus providing an opportunity to generate advertising revenues.
  • the Merchant Panels are similarly designed. It will be appreciated by those skilled in the art that it is also possible in alternative embodiments to display multiple
  • TRANSACTION PROCESSING AND VERIFICATION 670 depicts the part of the program where all transactions initiated by a plurality of users are individually and collectively examined, logged, sorted, processed, verified and reconciled using predetermined routines. It being understood by those skilled in the art that this can be achieved using a variety of data processing methods.
  • TRANSACTION PROCESSING AND VERIFICATION 670 may be implemented to also include additional processes or features, it being understood by those skilled in the art that this can be achieved using a variety of methods and other data processing arrangements.
  • a means such that a user receives an electronic notification in response to a transaction initiation, or confirmation or other advisory in response to the execution of a transaction request.
  • Benchmark values as depicted on the MAIN BOARD 410 listing ( Figure 5) is a convenience feature provided, for comparison purposes, as a reference point to assist users in making "utility” evaluations or determining "comparable value” between electronic proxy currencies.
  • a Benchmark for example may reference and represent the minimum number of miles for domestic round-trip travel in a particular fare class required by the associated frequent flyer program. This benchmark could then be compared to other EPC benchmarks and provide an indication of comparable value.
  • Some comparable value determinations are easily calculable, however the calculation can become increasingly complex depending on the type and number of variables used in the determination.
  • Benchmarks may be maintained for example in OPTIONAL DATABASE 730 and updated and modified as necessary. However as noted this is a convenience feature solely for relative valuation, the open market mechanism of the Exchange would ultimately determine the premium above or discount below a Benchmark to conduct a transaction, contingent on upon users' utility value or other estimation.
  • the preferred embodiment of the present invention incorporates a methodology to calculate such benchmarks and is incorporated herein by reference. It will be appreciated by those skilled in the art that there are a number of mathematical and logical procedures possible to accomplish such determinations
  • Benchmarks for a frequent buyer program could be incorporated based on either pre-determined or implied or negotiated valuations.
  • Pre-determined valuations are those that may have been previously arranged and preexisting between specific Merchant members or EPC issuers prior to membership in an Exchange.
  • a Negotiated valuation is one that is determined based on pricing or economic analyses relative to a particular Merchant program or EPC issuer.
  • Implied valuation is one that is derived from calculations based on known comparable valuations between three or more EPC, i.e. if X relative to Y and X relative to Z is known then Y relative to Z may be derived.
  • a related feature of the preferred embodiment of the present invention is displaying for users a special index listing of a specified group of Merchant members or EPC issuers and providing a specified EPC unit equivalent to and representative of a combined and amalgamated EPC unit of the specified group. These EPC units would be valid for goods or service purchases from a specified group of merchant members including those in the special index listing.
  • Users are provided the opportunity on scheduled occasions to participate in an auction process, conducted under pre-determined criteria, within specified time intervals, to acquire a limited number of such specified units by submitting a bid using their available and eligible proxy currencies.

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Abstract

L'invention concerne un procédé d'hébergement de marché sur l'Internet, permettant d'effectuer un échange (10) de monnaie électronique fictive (EPC). Le concept, les méthodes et les procédés de l'invention sont destinés à créer un logiciel d'échange (22) en ligne, interactif et disponible permettant l'échange de monnaie électronique fictive, tel que des miles destinés à des passagers effectuant des vols fréquents, des points destinés à des acheteurs fidèles, ou d'autres articles similaires communément utilisés pour récompenser la fidélité d'un client. Le programme comprend un procédé mixte de vente aux enchères qui permet à tout client (20) de jouer le rôle soit de l'enchérisseur soit du vendeur à des moments opportuns et appropriés dudit procédé d'enchères. Un utilisateur autorisé peut accéder à l'échange (22) en ligne, et engager les transactions désirées à l'aide d'un procédé prédéterminé. Le programme authentifie automatiquement l'identité de l'utilisateur, et vérifie les disponibilités de l'utilisateur en monnaie électronique fictive. Ledit utilisateur (20) peut ensuite lancer, modifier, annuler ou conclure automatiquement une transaction d'échange. Le programme peut également créer, maintenir, mettre à jour un compte de titres des utilisateurs enregistrés, et communiquer les informations de transaction mises à jour à l'émetteur EPC (21)
PCT/US2000/026279 1999-10-29 2000-10-26 Procede d'hebergement de marche sur l'internet pour echange de monnaie electronique fictive (epc) WO2001033451A1 (fr)

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Application Number Priority Date Filing Date Title
AU11898/01A AU1189801A (en) 1999-10-29 2000-10-26 Internet-based market hosting method for electronic proxy currency (epc) exchange

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Application Number Priority Date Filing Date Title
US16220299P 1999-10-29 1999-10-29
US60/162,202 1999-10-29

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WO2001033451A1 true WO2001033451A1 (fr) 2001-05-10

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Cited By (5)

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EP1288817A2 (fr) * 2001-08-28 2003-03-05 Square Co., Ltd. Traitement de ventes aux enchères
FR2884634A1 (fr) * 2005-04-18 2006-10-20 Aton Service Sa Procede de gestion de credits tels que points de fidelite et dispositif pour sa mise en oeuvre
US7292997B2 (en) * 2000-06-08 2007-11-06 Sony Computer Entertainment Inc. Apparatus and method of receiving order, storage medium, and method of point service
WO2009070889A1 (fr) * 2007-12-07 2009-06-11 Points.Com Inc. Système et procédé d'échange de valeurs de gratification
WO2011046469A1 (fr) * 2009-10-16 2011-04-21 Gushchin Ilya Gennadievich Système automatisé pour effectuer des transactions

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US5873071A (en) * 1997-05-15 1999-02-16 Itg Inc. Computer method and system for intermediated exchange of commodities
US5945653A (en) * 1997-06-26 1999-08-31 Walker Asset Management Limited Partnership System and method for establishing and executing functions to affect credit card accounts and transactions
US6058379A (en) * 1997-07-11 2000-05-02 Auction Source, L.L.C. Real-time network exchange with seller specified exchange parameters and interactive seller participation

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Publication number Priority date Publication date Assignee Title
US5873071A (en) * 1997-05-15 1999-02-16 Itg Inc. Computer method and system for intermediated exchange of commodities
US5945653A (en) * 1997-06-26 1999-08-31 Walker Asset Management Limited Partnership System and method for establishing and executing functions to affect credit card accounts and transactions
US6058379A (en) * 1997-07-11 2000-05-02 Auction Source, L.L.C. Real-time network exchange with seller specified exchange parameters and interactive seller participation

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7292997B2 (en) * 2000-06-08 2007-11-06 Sony Computer Entertainment Inc. Apparatus and method of receiving order, storage medium, and method of point service
EP1288817A2 (fr) * 2001-08-28 2003-03-05 Square Co., Ltd. Traitement de ventes aux enchères
EP1288817A3 (fr) * 2001-08-28 2003-08-27 Square Co., Ltd. Traitement de ventes aux enchères
FR2884634A1 (fr) * 2005-04-18 2006-10-20 Aton Service Sa Procede de gestion de credits tels que points de fidelite et dispositif pour sa mise en oeuvre
WO2006111815A1 (fr) * 2005-04-18 2006-10-26 Aton Service Procede de gestion de credits tels que points de fidelite et dispositif pour sa mise en oeuvre
WO2009070889A1 (fr) * 2007-12-07 2009-06-11 Points.Com Inc. Système et procédé d'échange de valeurs de gratification
US8433607B2 (en) 2007-12-07 2013-04-30 Points.Com, Inc. System and method for exchanging reward currency
WO2011046469A1 (fr) * 2009-10-16 2011-04-21 Gushchin Ilya Gennadievich Système automatisé pour effectuer des transactions

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