CN1357129A - 对屡次消费奖励方案中的积分进行电子易货、交易和兑现的系统 - Google Patents

对屡次消费奖励方案中的积分进行电子易货、交易和兑现的系统 Download PDF

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CN1357129A
CN1357129A CN00809276A CN00809276A CN1357129A CN 1357129 A CN1357129 A CN 1357129A CN 00809276 A CN00809276 A CN 00809276A CN 00809276 A CN00809276 A CN 00809276A CN 1357129 A CN1357129 A CN 1357129A
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理查德·波斯特尔
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Abstract

本发明公开了一种奖分累积与兑现方案的处理系统和处理方法,其中用户从多个奖分发行单位获得奖分,各奖分发行单位跟踪存储在奖励服务器的用户奖分帐户内的用户已获奖分。交易服务器累积通过网络互联的各奖励服务器(10、12、14)提供的用户已获奖分,奖分与奖励服务器向交易服务器(20)提供的补偿有关并将积分贷记到与用户(40)有关的奖励兑换帐户。然后,用户可以从与网络互联的销售商计算机(30)选择商品进行购买。销售商计算机兑现从交易服务器接收的补偿,并向用户提供商品。

Description

对屡次消费奖励方案中的积分 进行电子易货、交易和兑现的系统
相关申请的交叉参考
本申请基于并要求1999年6月23日提交的、申请号为60/140,603的美国未决临时专利申请的优先权。
技术领域
本发明涉及电子易货系统，其允许用户用奖分(例如：在航空公司屡次飞行(frequent flyer)方案中已经累积的奖分)进行交易或将奖分兑现到帐户内用于兑现通过因特网提供的产品和服务。这样可以允许用户利用他们的屡次飞行(屡次汽车租赁、屡次用餐等)分数来购买分数发行者提供的产品和服务之外的产品和服务。可以将分数卖给航空公司(或其它类型的分数发行单位)。该系统还允许用户购买其它用户折算的分数，这样可以对分数进行再分配，而无需直接与航空公司进行交易。该系统还允许制造商和生产者，将库存过剩的或断码的、流行式样过时的产品投入可以兑换为分数的变现过程。
背景技术
为了吸引并保留商务客户，历史上，航空公司、宾馆、汽车租赁公司、联锁零售商、电信提供商等均引入屡次消费方案，该屡次消费方案根据客户的飞行距离或消费提供“屡次飞行英里”奖励或其它类似的奖励方法。竞争迫使航空公司对要求里程包括客户购买的旅程的方式进行调整。例如，所购买机票的美元费用以里程数奖励到客户帐户。在过去几年中，信用卡公司或其它零售商和电子零售商(etailer)采用航空公司与信用卡公司的共同商标信用卡，这样利用信用卡花费的每个美元均记录为奖励方案的旅行英里数或分数。根据用户在优选时间内购买的优选产品或航程，这些信用卡附加奖励奉送英里。
1998年6月30日，第5,774,870号美国专利FULLYINTEGRATED，ON-LINE INTERACTIVE FREQUENCY ANDAWARD READMPTION PROGRAM被授予给Netcentives，Inc.。第5,774,870号美国专利提供了这样一种系统，即利用该系统，用户可以通过因特网购买产品并接收奖分，将奖分存储到有关数据库内。此后，用户可以查看奖励目录以确定用户可以根据其帐户内的分数兑现那个奖励。然而，此专利未讲述，为了从奖励目录中购买产品，用户将其先前存在的屡次飞行帐户内的积分进行兑现的能力，或者为了获得更大的购买能力，允许用户将该分数与其它奖励方案统筹使用的能力。
ClickRewards的网站方案的运行方式与第5,774,870号美国专利所说明的运行方式相同；即它允许用户获得分数(称为“ClickMiles”)以通过有关Web网站在线购买产品。例如，可以奖励ClickMile在GapWeb网站购买Gap产品。最后，例如，在几个主要航空公司之一，ClickMile可以兑现屡次飞行英里。另一个Web网站，www.webfly.com与ClickRewards有关并提供ClickMiles用于购买与屡次飞行有关的商品，例如，旅行指南。
ClickMiles奖励目录可以使用户将ClickMiles兑现为替换屡次飞行英里的商品。例如，通过900 ClickMiles可以从CDNow兑现CD。
尽管ClickRewards方案允许用户通过因特网兑现积分以获得商品，但是它不允许将从先前存在的帐户内兑现的屡次飞行英里兑换为奖分。
1998年8月11日，第5,794,210号美国专利、ATTENTIONBROKERAGE被授予给CyberGold，Inc.。第5,794,210号美国专利描述了这样一种系统，即向关注通过因特网分发的广告或其它“负价格”信息的用户立即支付费用的系统。显示在计算机屏幕上的特定图标或其它符号可以表示补偿并允许用户选择它们将查看广告还是查看其它负价格信息并接收有关补偿。积分可以用于购买“正价格信息”或产品。
CyberGold的Web网站，www.cvbergold.comError！Bookmark notdefined.描述了“收益与支出”共同体，在该共同体中，例如，通过浏览入口网站，用户在线赢得“现金”。赢得的“现金”可以用于在线购买诸如软件之类的产品。
此外，尽管第5,794,210号美国专利和CyberGold Web的网站描述了一种允许用户通过因特网购买产品或服务的奖励系统，但是未说明将先前存在的帐户内的屡次飞行英里兑换为奖分的能力。
1991年6月18日，第5,025,372号美国专利、SYSTEM ANDMETJHOD FOR ADMINISTRATION OF INCENTIVE AWARDPROGRAM THROUGH USE OF CREDIT被授予给了MeridianEnterprises，Inc.。第5,025,372号美国专利描述了一种奖励激励方案，在该方案中，根据在该系统情况下，参与者满足规定的业绩等级，对参与者奖励贷款。此专利未讲述，通过兑换帐户内先前存在的分数(例如，屡次飞行里程方案)增加用户帐户内的奖分的能力。
参考图1，图1示出现有技术的屡次飞行系统的模型。两个不同的航空公司服务器被其有关销售合伙人包围。为了吸引更多的商务旅客，各航空公司与旅行公司建立销售协议以更好的方式向商务旅客提供屡次飞行英里奖励。这些销售组织或联盟通常包括信用卡公司、电话公司、宾馆连锁以及汽车租赁公司。通过这些“共同商标”合伙人进行的任何消费均周期性地奖励给用户。此外，还可以根据航空公司的建议或配合合伙公司，根据用户的行为，奉送英里或分数。例如，根据改变电话业务的用户协议，电话公司向用户提供奉送英里。通过从分数发行单位购买这些分数以利用其产品和/或服务作为奖励进行再分配，这些合伙公司可以获得这些分数。图2示出了一些表示TWA、Spint以及Mastercard之间的销售协议的共同商标信用卡的样品。为了获得这些利益，用户必须分别与各合伙公司签约并提供用于收入贷记英里的屡次飞行帐号。根据与各合伙人的协议进行电话呼叫或者进行消费的用户，首先，通过合伙人的系统累积价值，然后通过航空公司服务器周期性地更新该价值以反映该期间所赢得的价值。图3示出了典型用户帐号，用户帐号显示从任意共同商标合伙人传送到系统内的各种收益。图3所示的表中的记录说明奖励的来源、记录日期以及与该交易有关的英里数。通过访问航空公司服务器，或者通过跟踪通过用户从各共同商标合伙人接收的各种票据对各用户报告的各价值，用户可以查看累积英里数。
现有技术不能使用户以任意方式使用较小的奖分。此外，用户通常仅可以以与航空公司有关的方式(例如，获得免费机票或由经济舱升至头等舱)兑现分数。此现有技术没有认识到用户需要将奖分兑现为与旅行无关的商品，尤其是，现有技术使较小分数无用。例如，不经常旅行的用户可能会在United Airlines集500分、在USAir集700分以及在TWA集1000分，在现有技术中，这些分数相对没用。
因此，需要这样的系统，即用户可以对其它类型的交易提交累积屡次飞行奖励或贷款以兑现成容易被参与零售商接受的形式。为了获得可以被与交易有关的各公司所接受的相对补偿，将建立兑换率。用户应该可以将当前独立服务器系统内存在的各种已获奖励汇总，使得系统用户可以利用获得的合并值和等价值商品。在另一个实施例中，希望降低屡次飞行债务的奖励方案与用户联系并安排将奖励英里转换为将贷记到交易系统奖励的价值(可以是预定的)。另一方面，在拍卖环境下，也可以对分数进行投标，在拍卖环境下，分数可以用于投标某项奖励。在几个网站已获屡次飞行英里或奖励，但是其里程又不足以接收任何直接价值的用户可以将从几个不同航空公司获得的英里合并以将累积奖励传送到本发明的系统。通过利用各种方式(例如：通过因特网、拨免费电话号码)下订单，或利用任何其它方式下可以从此系统接收付款的订单，提出购买请求，用户可以使选择的商品传送到用户。
本发明说明
本发明允许用户利用通过各种奖励方案获得的累积奖分购买商品或服务。屡次飞行方案是本发明所包括的典型系统。过去几年引入了搭配推销，搭配推销允许购买商品和服务(例如：住宾馆或汽车租赁)累积奖励英里，然后将累积奖励英里记录到航空记录系统。最近，信用卡公司提供对利用该信用卡花费的每个美元提供英里奖励的信用卡。此外，根据用户购买的优选产品，这些信用卡还奖励奉送英里。
本发明披露了一种系统和方法，其中该系统允许用户兑现从多个奖励单位获得的累积奖分以与销售商进行交换。用户请求兑现预先累积奖分的过程包括以下步骤：通过用户计算机、交易服务器计算机，用户发出请求以从与用户获得奖分的奖励单位相连的奖励服务器获得奖分。奖励服务器计算机从用户奖励帐户中减去请求的奖分数。奖励服务器计算机将补偿传送到交易服务器计算机，其中补偿对应于在奖励服务器内的帐户内减少的奖分数。交易服务器计算机将与用户相连的交易服务器上的奖励兑换帐户增加请求的分数。交易服务器接收奖励服务器计算机发出的补偿。将此兑现过程引入或提前用于交易服务器后，通过选择待从多个有效商品中购买的商品，用户请求从有关销售商计算机购买商品。交易服务器计算机确认用户的奖励兑换帐户内含有购买选择商品的足够分数。如果用户帐户内没用进行购买交易所需的分数，则用户可以另外购买分数。交易服务器计算机请求销售商计算机向用户发送商品。交易服务器从用户兑换帐户中减去与购买商品对应的分数，交易服务器计算机将与要求分数等价的补偿传送到销售商计算机。在另一个实施例中，在选择希望得到的商品后，用户可以在奖励服务器兑现奖励。可以建立规则以根据用户采购概况自动连接各奖励服务器，从而办理要求的支付。此概况可以指出兑现顺序和提供资金的方法，所提供的资金在用尽可兑现分数后足以支付购买。在兑现后，补偿被传送到各销售商。
附图的简要说明
图1示出了在奖励方案中使用的现有技术的销售组织；
图2示出了现有技术奖励方案中的共同商标合伙人；
图3示出了从航空公司飞行系统获得的现有技术奖励汇总；
图4示出了根据本发明的各部件的方框图；
图5示出了根据本发明的系统部件的方框图；
图6示出了用户兑现奖励过程的数据流程图；
图7示出了用户在销售商网站请求购买商品的数据流程图；
图8示出了在交易服务器进行的用户帐户建立过程的数据流程图；
图9示出了由奖励方案或由销售商进行报价过程的数据流程图；
图10示出了根据本发明用户从奖励方案转移到交易服务器的过程的数据流程图。
实现本发明的最佳方式
参考图4，图4示出了与网络2通信的多个奖励服务器计算机10、12、14、交易服务器20、销售商计算机30以及用户计算机40。该网络包括可以使各计算机互相连接的任意类型的通信过程。将根据基于因特网的网络，对本发明进行说明，其中奖励服务器计算机10与航空公司屡次飞行方案有关。在此系统内可以采用任意类型的奖励服务器。奖励服务器计算机可以是诸如American Express提供的信用卡奖励方案，利用信用卡奖励方案，用户根据购买商品或基于奖励方案的广告获得奖励，在奖励方案中，用户通过选择广告内容赢得奖励。
此系统的用户可以通过诸如图1所示的任意现有技术装置获得奖励并累积奖励，然后将该分数过帐到通过奖励服务器计算机10可访问的用户奖励帐户52。通过网络2交易服务器计算机20与用户计算机40上的用户通信，并且根据因特网通信技术领域内公知的技术，通过网络2，交易服务器计算机20还可以连接到奖励服务器计算机10、12、14。销售商计算机30代表可以与网络进行通信、具有用于进行销售或交易的商品或服务的任意网站。销售商可以与交易服务器具有直接关系，其中该直接关系使得流水线过程允许用户获取通过销售商计算机提供的产品。另一方面，销售商计算机可以是当前不具有在交易服务器内定义的结构、在众所周知的电子商务实施例之任一中将从另一个计算机系统接收付款的独立销售商。
奖励单位可以是具有对用户行为分配分数或补偿业务的任意类型的单位。奖励服务器计算机10、12、14是能够保持用户数据以及可以转让为另一个系统的其它商品、服务或分数的相应已获价值的可访问计算机。在优选实施例中，航空公司奖励服务器计算机10可以指一个或几个提供屡次飞行方案等的不同航空公司，信用卡奖励服务器计算机12指可以保持、增加或减少用户根据用户已经登记的信用卡方案的条款获得的已获奖励的任意种类和数量的信用卡服务器系统。销售奖励服务器计算机14指一个或多个可以接入销售系统的网络，该销售系统使用户具有可以被用户存储、更新并兑现分数或其它可兑现价值的帐户。交易服务器计算机可以是允许用户访问系统的任意类型的计算机系统以实现根据本发明的处理过程。在优选实施例中，通过因特网可以访问所说明的所有系统，并且利用本技术领域内众所周知的装置，用户可以自由导航到任意网站。
本发明允许最初根据其方案销售被第三方用作奖励的奖分的发行人以大幅度折扣购回分数，从而降低了它们的债务并考虑到使分数连续售出并购回的交易策略。这可以是不同于奖励分数使用的独立会计过程。
现在，将参考图4和图6所示的数据流程图，对允许用户兑现从多个奖励单位中的一个或多个奖励单位获得的累积奖分的方法进行说明。交易服务器系统允许用户进行登记以访问设置的功能，利用该功能，用户可以利用应用程序、窗体或控件进行交互。例如，通过利用网络浏览器输入正确识别信息并选择按钮、链路或其它可选择对象以导航到要求的系统部分，用户可以查看其帐户信息。在步骤102，用户通过用户计算机向交易服务器计算机20发出请求，请求通过网络2对用户在一个奖励单位存储的部分先前累积分数进行兑现。用户奖励帐户52与各奖励服务器相连，但是为了简洁起见，在图4中它仅与航空公司服务器相连。用户可以交互地选择待兑现的奖励，或者系统可以根据先前定义的用户概况规则确定哪个奖励待兑现。通过利用图5所示的交易服务器中的数据库54定义的连接参数，在步骤110，根据用户要求，通过连接正确奖励服务器，交易服务器计算机20从奖励服务器10、12、14“获得”存储在用户帐户52的奖分。在一个实施例中，在步骤114，交易服务器为用户从奖励服务器检索奖励帐户余额信息。在另一个实施例中，作为部分通信过程110，交易服务器传送待兑现的请求奖励里程。奖励服务器计算机10将用户奖励帐户52减少请求的奖分数。术语“分数”用于表示具有现金等价价值或可转让价值的已获价值，与“屡次飞行”分数或英里相同。奖励服务器计算机10将补偿传送到交易服务器计算机20，其中补偿对应于在奖励服务器10的用户帐户52内减少的奖分数。例如，补偿可以是贷记到存在于交易服务器与奖励服务器之间的帐户的货币形式，该帐户在预定记帐周期(例如：每个月)结束时进行支付。交易服务器计算机20将与用户有关的奖励兑换帐户54增加接收的分数。然后，交易服务器计算机20接收奖励服务器计算机10发出的补偿。
在交易过程的第二部分(参考图7)，用户通过用户计算机40请求150从相连的销售商计算机30购买商品。在优选实施例中，销售商计算机系统是可以通过因特网访问的联网计算机系统。通过对交易服务器Web网站链路进行选择，或者通过输入目标网站的名称或地址，用户可以访问网站。用户可以识别待从一个或多个销售商计算机30获得的一个或多个商品。通过对用户奖励兑换帐户54进行校验，交易服务器计算机20确认用户具有购买选择商品的足够分数。交易服务器计算机20请求销售商计算机将商品发送到用户。可以从交易服务器计算机20检索用户发送信息，或者以某些其它形式提供用户发送信息。交易服务器计算机20将用户兑换帐户54减少与购买商品对应的分数。利用电子商务技术领域内众所周知的方法(例如，利用事先存在的帐户、信用卡等)，交易服务器计算机20将等价于商品成本的补偿传送到销售商计算机30。在另一种方法中，补偿是将分数直接传送到与销售商有关的帐户。
可以建立政策和概况以根据用户兑现概况(参考图5)自动连接到各奖励服务器以对用户选择的商品进行要求的支付。此概况可以指出兑现顺序和提供资金的方法，所提供的资金在用尽可兑现分数后足以支付购买。例如，如果用户具有用户希望在该奖励系统内保留里程的优选航空公司，用户可以规定指出奖励资源的使用优先权，在访问最希望的奖励之前，用尽该奖励资源。选择待获得的商品后，根据此概况，服务器连接到所有奖励资源以在需要时选择性地对各奖励资源进行兑现从而支付购买价格。可以实时实现此过程，或者作为用户选择如何进行交易的背景过程实现此过程。如果用户用尽奖励服务器内的低级个人价值资源，则在兑现分数的交易过程之前，要求系统与用户联系。可以利用分类系统指出具有类似价值的奖励。例如，如果屡次飞行方案支持多个用不同方法兑现的英里分类，则用户可以选择定义在兑现期间如何对这些资源进行管理。兑现过程履行用户选择的这些规则，以从价格不同奖励方案中选择奖励方案，而非严格地根据连接的第一奖励方案要求的价值兑现奖励。
图8示出了对用户进行登记以利用销售商服务器的处理步骤。用户输入的数据用于确定用户是否允许交易服务器显示主动报价。可以将用户对制成品、服务、产品、旅行目的地、业余爱好、兴趣的优先选择，或者用户输入的判据存储到数据库供系统后续使用。交易服务器有能力从奖励服务器或从根据用户提供的数据库概况信息引导到用户的销售商接收报价(参考图9)。
根据航空公司服务器上可以被用户访问的网页上的按钮或者超级链接，还可以连接到交易服务器。同样，超级链接或呼叫例程可以使用户通过交易服务器访问预约系统或销售商。链路可以将用户连接到交易服务器20上的用户兑换帐户内的分数可以用于获得减价机票的合伙人或其它有关航空公司。
现在，将参考图5说明用于实现上述方法的系统。该系统包括与建立用户界面的计算机所在网络相连的交易服务器计算机，这样，用户就可以通过用户计算机访问该服务器以请求将交易过程连接到奖励服务器计算机系统。在优选实施例中，服务器具有用于存储用户帐户信息、用户概况以及用户、系统或销售商规定的规则的存储装置。交易服务器还具有：通信装置，使用户访问该服务器并使交易服务器连接到奖励服务器；以及处理装置，对规则进行翻译并使连接与各奖励服务器配合。处理装置适于使用户通过奖励服务器请求补偿并将补偿兑现为奖励。此外，处理装置还适于协调补偿兑现过程并根据用户计算机、奖励服务器以及销售商完成的操作增加或减少存储在存储器内的用户兑换帐户。
在优选实施例中，存储装置包括数据库结构，数据库结构可以用于记录与先前说明的方法有关的交易过程。根据处理器处理的请求，可以对指出用户兑换帐户的变化和当前值的记录进行更新。
根据兑现请求，交易服务器查找待连接的奖励服务器的连接属性。将用户信息提交到奖励服务器以显示可以兑现的有效分数。在另一个实施例中，请求还含有待兑现的价值。处理器与奖励服务器建立通信链路，并将交易请求发送到奖励服务器的处理器。奖励服务器的处理器可以进行允许或拒绝请求操作的操作。在另一个实施例中，允许交易服务器处理器直接对奖励服务器数据库内的用户记录进行调整，而无需奖励服务器处理器进行分析。交易过程可以这样应用兑换率，即奖励服务器减少用户帐户内的有效奖励。然后，奖励服务器将与奖励系统内的减少数值对应的补偿传送到交易服务器。根据接收的传送或认可的传送，交易服务器增加用户帐户余额以反映接收的补偿并停止连接到奖励服务器。如果之后需要调节过程，可以利用交易记录来记录各交易过程。存储用户兑换帐户内的增加量，直到用户发现要购买的商品。
通过指出待购买的产品或服务的类型，用户从销售商那里选择要求的商品。在一个实施例中，交易服务器与销售商服务器相连向用户返回一个满足用户搜索判据的产品列表，或者如果用户对需要什么进行了详细规定，则可以从销售商那里直接获得产品。在交易服务器与销售商计算机或者电子商务的指定者之间建立通信链路。通过连接销售商计算机并提供用户标记、产品标记以及足以支付交易的兑现价值，可以直接买进。根据交易请求，销售商计算机将接收提供的补偿并签订合同发送产品。在另一个实施例中，将选择的商品要求的补偿发送到交易服务器，根据用户兑换帐户内的有效分数，交易服务器确定补偿是否有效。此时，可以引入授权过程以请求从用户获得授权，或者在更简单过程中，将补偿发送到销售商计算机并减少用户兑换帐户。销售商计算机将接收补偿并将进行待发送的发送交易。
商品在交易服务分销机构的直接控制下，因此，用户可以直接向交易服务订货，而在商品的销售过程中，并不直接涉及销售商。
因此，本发明提供了一种用于奖分发行者的债务管理系统，该系统允许他们从订货中获得分数，并且在需要时，可以以某个兑换率将它们兑现。此系统允许利用不需要分数到期的交易策略卖出或购回分数。
可以利用智能卡实现本发明系统，其中在每次使用智能卡进行有关消费时，在用户智能卡上累积屡次消费分数。例如，如果用户使用其智能卡对通常提供奖分的宾馆进行支付，则可以将这些奖分存储到智能卡。同样，当利用智能卡购买机票时，分数可以累加到智能卡。通过将智能卡插入与与因特网相连的计算机相连的自动售货机，用户可以兑现累积的奖分。如上所述，进行交易过程，不同之处在于，直接从智能卡获得奖分，而非从奖励服务器获得奖分。
用户可以具有信用卡、借贷卡或储值卡，该卡可以以这样的方式与其分数帐户相连，即允许用户利用智能卡通过销售商为所购买的商品付款，其中销售商使用现有信用卡支付设施，就象被与信用卡帐户或借贷卡帐户相连的银行在进行支付或授权支付一样，但是，事实上，该卡与用户的分数帐户相连。这样，用户和销售商就可以以缝方式使用分数帐户为所购买的商品付款，因此可以使用分数进行补偿而非利用现金或传统信贷，或者将分数用作对现金或传统信贷的补充。
现在，将对本发明的其它方面进行说明，这样有助于读者理解本发明的应用。
用户可以从系统购买分数、从系统借入分数等，并且基本上可以将分数作为这种交易的现金补偿进行处理。
根据一组预定规则(例如，在发送低价值分数之前发送高价值分数)，该系统可以对被交易的分数的顺序进行排列。
销售商也可以从使用此系统中受益，因为，利用该系统，为通常被可支配收入高的频繁旅行者购买的产品提供了另一个销售渠道。可以利用存储在此系统内的分数兑现包括宝石、鲜花、乘坐轿车、分时出租在内的产品或服务。在用户没用足够应计分数支付选择商品的购买补偿情况下，还可以利用分数与现金的组合方式支付通过系统购买的商品。
可以预料，高质量限制访问产品得益于该系统提供的分销方法。例如，象Debeers和Chanel之类的公司可以利用此分销方法，而不会影响其产品的质量等级或优良等级。
制造商可以以这样的方式将商品折价或折算为分数，即不会对商品的视在价值产生负面影响(即不与主流销售进行直接竞争)。也就是说，制造商可以提供库存过剩的、流行式样过时的商品等，将它们放到利用分数兑现的分销链上，而不与其主流产品的现金销售产生直接竞争。
由诸如RCI的资产管理公司管理的游乐胜地可以并入此系统，而不是仅利用类似资产的游乐胜地进行膳宿交易，现在通过兑现为分数，可以出租资产。
可以将报价分送到该系统的各用户，其中在报价中注明了大幅度折让率或降价率。系统内可以寄存时间敏感产品报价，其中产品价值根据产品的寿命下降。根据报价时间，诸如食品或音乐会门票的时间敏感产品报价具有有关递减价值或递增价值。
现在，利用此系统，可以使几个不同供应商提供的产品协调为一揽子交易。因此，通过交易分数，此系统的用户可以在一个地方单独或形成一揽子交易选择航空公司、宾馆、汽车租赁公司以及纽约百老汇演出门票，其中在交易系统协调交易的所有方面并以相应方式减少用户兑换帐户前，不存在一揽子交易。
通过组合此系统的高收入概况用户的汇集能力，可以获得以前未具体说明的其它购买方法，其中可以指定这些用户访问通常不对系统的其它用户分销的产品或服务。这些用户在系统中获得的分数可以使他们访问受限分销渠道，在受限分销渠道可以获得高折价等级或最高限价奢侈品。通过使交易服务器与这些规定的服务和产品的提供商协调，可以直接访问诸如钻石的企业联合产品报价、免税商品报价以及其它受限访问产品或服务报价。例如，此系统用户可以利用诸如在欧洲市场对奢侈品建立的优选客户分销渠道，其中在此优选销售渠道中，物品的价格明显低于通常被保留以最高限价受限分销的物品的零售价。此外，交易服务器还具有根据允许对系统的任意用户分配的权利或许可，对访问特定最高限价产品、服务、事件、旅行目的地或膳宿进行分配的特权。分销渠道可以使独家产品对所有或有限数量的系统会员有效，其中交易服务器对访问报价进行控制。可以将与有效数量、期限、兑换率等有关的参数输入到系统用于分配算法以限制报价。用户访问之后，在这种情况下，交易服务器可以对报价反映当前用户当即可获得商品的最高限价进行调整，并且还可以显示或提供对利用其它方法(即：现金、赊购、借贷)进行支付以形成用户有效分数与接收报价所需要的分数之间的差额而获得的最高限价的访问。
在本发明的另一个实施例中，寻求对其商务旅客提供高级个性化服务的航空公司，将在横贯大陆或横渡大西洋的航线上，收费或代替给予里程奖励而向客户提供访问因特网或访问诸如视频游戏的机内服务。可以对旅客提供视频游戏，其中根据旅客兑现的奖分数提供不同游戏。利用本发明的交易服务器可以转换奖励，其中用户反过来可以选择先收入里程，从而访问以独立方式或以链接方式提供的机载娱乐商品。例如，利用安装界面或控制器的椅背或托盘台面，用户可以选择玩视频游戏、访问因特网或使用电子邮件。利用以太网、并行连接、USB连接或航空公司设置的专用连接器，用户可以选择将膝上型计算机连接到飞机接口。在优选实施例中，根据是访问机内服务还是访问外部服务，用户可以选择通信的连接速度和连接方式。此外，还可以使用其它类型的商务服务并对例如利用网络打印机或传真设备的使用记帐。使用基于通信的RF、卫星或微波进行实时通信，可以覆盖足够的地区。
该界面允许用户利用屡次飞行帐户信息或优先利用交易服务器帐户登陆标识符和口令进行登陆，其中用户可以利用由另一个航空公司或分数服务器获得的奖励分数来“支付”访问的服务。在起飞之前，对于登陆交易服务器的各用户，可以将从交易服务器获得的帐户余额传送到本地控制器。一旦飞机起飞，根据航空公司或服务提供商提供的链接能力或访问能力，根据旅客选择的服务，可以对用户帐户进行实时调整，或者在着陆之后，再进行连接时对用户帐户进行调整。如果支持实时链接，则根据选择的服务和使用时间，周期性地对用户兑换帐户进行借记。
根据本发明的另一个方面，实现了一种电子易货系统，其中产品制造商、生产者、分销商等为了变现将剩余商品或库存过剩商品投入系统供应链中，然后，如上所述，兑现为分数。这样就对制造商和销售商提供了一种存货管理与变现系统。
此外，奖分的价值会随着公司的业绩波动，可以参考公司的股票价格、收益、利润或某些适合反映公司相对业绩的其它参数来衡量公司的业绩。业绩良好的公司可以以这种方式向使用其屡次消费方案而不使用竞争者的屡次消费方案的用户提供附加奖励。例如，如果所有其它参数均相同，在用户确定在使用其信用卡赢得的分数之外，Acme公司的业绩导致分数增加10％时，则相对于Beta公司的信用卡，用户更愿意选择Acme信用卡公司。分数的价值还随着发行者发行的未结清的分数数量或需求波动以减少其负债或使其更坚挺。

Claims (29)

1.一种执行奖分累积与兑现方案的方法，该方法包括步骤：
a.用户从多个奖分发行单位赢得奖分，各所述奖分发行单位跟踪存储在奖励服务器的用户奖分帐户内的用户赢得的奖分，以及
b.交易服务器累积用户从通过网络互联的各所述奖励服务器赢得的奖分，该奖分与所述奖励服务器送到交易服务器的补偿有关，并将所述积分贷记到与用户有关的奖励兑换帐户。
2.根据权利要求1所述的方法，该方法进一步包括步骤：
c)用户从与网络互联的销售商计算机选择购买商品；
d)销售商计算机向用户提供商品并从所述交易服务器接受补偿；以及
e)根据送到销售商计算机的补偿，交易服务器减少用户奖励兑换帐户内的分数。
3.根据权利要求1所述的方法，其中从包括航空公司发行单位、信贷与奖励发行单位、宾馆奖励发行单位以及汽车租赁奖励发行单位的组中选择奖分发行单位。
4.根据权利要求1所述的方法，其中奖分发行单位向交易服务器提供的补偿的价值高于兑换所述补偿的用户已获奖分的价值。
5.根据权利要求1所述的方法，其中从奖励服务器的帐户内的分数中减去交易系统获得的分数。
6.根据权利要求2所述的方法，其中交易服务器的用户帐户内减少的分数多于需要支付请求商品的等价分数，以致通过将用户分数兑换为购买商品，使交易服务器获得佣金。
7.根据权利要求2所述的方法，其中可以利用交易服务器兑换的分数和用户提供的其它补偿的组合进行购买。
8.根据权利要求2所述的方法，其中从销售商计算机购买的商品可以以折价从制造商库存过剩存货中获得。
9.根据权利要求2所述的方法，其中从销售商计算机购买的商品可以从可兑换的分时属性存货中获得。
10.根据权利要求2所述的方法，其中从销售商计算机购买的商品可以从免税商品或其它受限访问商品中获得。
11.根据权利要求1所述的方法，其中交易服务器将用户积分传送到与用户有关的智能卡。
12.根据权利要求11所述的方法，其中通过利用智能卡将存储的积分与销售商兑换为要求的商品，用户从销售商那里直接购买商品。
13.根据权利要求1所述的方法，其中用户累积的奖分用于支付娱乐服务。
14.根据权利要求1所述的方法，其中给定用户奖分帐户内的已获分数随奖分发行单位的业绩波动。
15.一种奖分累积与兑现系统，该系统包括：
a.多个奖分发行单位，各所述奖分发行单位包括用于跟踪存储在奖励服务器的用户已获奖分帐户内的已获奖分的装置；以及
b.交易服务器，用于累积从通过网络互联的各所述奖励服务器获得的用户已获奖分，已获奖分与所述奖励服务器送到交易服务器的补偿有关，并且将所述奖分贷记到与用户有关的奖励兑换帐户。
16.根据权利要求15所述的系统，该系统进一步包括：
c)计算机装置，用于使用户从与网络互联的销售商计算机选择购买的商品；
d)销售商计算机，从所述交易服务器接收的补偿，并向用户提供商品；以及
e)交易服务器装置，用于根据销售商计算机提供的补偿，减少用户奖励兑换帐户内的分数。
17.根据权利要求15所述的系统，其中从包括航空公司奖励发行单位、信贷与奖励发行单位、宾馆奖励发行单位以及汽车租赁奖励发行单位的组中选择奖分发行单位。
18.根据权利要求15所述的系统，其中奖分发行单位向交易服务器提供的补偿的价值高于对兑换所述补偿的用户已获奖分的价值。
19.根据权利要求15所述的系统，其中从奖励服务器的帐户内的分数中减去交易系统获得的分数。
20.根据权利要求16所述的系统，其中交易服务器的用户帐户内减少的分数多于需要支付请求商品的等价分数，以致通过将用户分数兑换为购买商品，使交易服务器获得佣金。
21.根据权利要求16所述的系统，其中购买可以利用交易服务器兑换的分数和用户提供的其它补偿的组合进行。
22.根据权利要求16所述的系统，其中从销售商计算机购买的商品可以以折价从制造商库存过剩存货中获得。
23.根据权利要求16所述的系统，其中从销售商计算机购买的商品可以从可兑换的分时属性存货中获得。
24.根据权利要求16所述的系统，其中从销售商计算机购买的商品可以从免税商品或其它受限访问商品中获得。
25.根据权利要求15所述的系统，其中交易服务器将用户积分传送到与用户有关的智能卡。
26.根据权利要求25所述的系统，其中通过利用智能卡将存储的积分与销售商兑换为要求的商品，用户从销售商那里直接购买商品。
27.根据权利要求15所述的系统，其中用户累积的奖分用于支付娱乐服务。
28.根据权利要求15所述的系统，其中给定用户奖分帐户内的已获分数随奖分发行单位的业绩波动。
29.根据权利要求2所述的方法，其中用户选择购买的商品具有与之相关的折扣。
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