JPWO2020096752A5 - - Google Patents

Description

CROSS-REFERENCES TO RELATED APPLICATIONS This application claims priority to and the benefit of co-pending U.S. Provisional Application No. 62/758,233, filed on November 9, 2018, for all subject matter common to both applications. do. The disclosure of the above provisional application is incorporated herein by reference in its entirety.

The present invention relates to techniques for reducing latency in processing compensation payments to users using automated clearing house transactions tied to user accounts to direct and adjust user compensation . This technique eliminates reliance on the expiration of advertiser refund periods, fixing the resulting sales price, and fixing commissions on purchases made by users. More specifically, the systems and methods of this technology enable publisher payments to users in anticipation of remuneration to be paid by advertisers or other economic entities.

Publishers, such as cashback reward websites, traditionally do not pay cashback to users until they have been paid by an advertiser (also known as a retailer), but more sophisticated publishers may pay out cashback earlier. Advertisers may choose to do so, exposing themselves to the risk of the advertiser reversing the transaction. However, publishers commonly allow users to return items (intentionally or unintentionally) during the refund period after receiving cashback or other rewards, even if the publisher's fees are reversed. Even if they do, they will not make the payment before the refund period expires in order to force the user to receive the cashback reward. As a result, even users who do not intend to issue a refund are waiting to pay until the refund period expires.

However, conventional cashback reward systems such as techniques and methodologies encounter certain deficiencies. Cashback reward websites, also known as publishers, do not pay cashback to users until they have been paid by advertisers, also known as retailers, and in this way they do not pay users for advertising. Avoid incurring debts arising from not yet receiving payment from the Lord. Some more sophisticated publishers may choose to pay the money early, taking the risk that the retailer/advertiser will back out of the deal and create debt. However, publishers generally do not want to make payments before the refund period expires, because the user may return the item (intentionally or unintentionally), and even if the publisher charges This is to allow users to receive cashback rewards even if the offer is cancelled. Generally, the longer the delay, the more likely the publisher will be able to receive the full fee payment corresponding to the reward payment. As a result, even users who do not intend to make a refund often have to wait until the refund period has expired to make a payment. This is inconvenient for users and publishers. Publishers who ignore or choose to factor into their business model the risk of reversal of initiated transactions pay users immediately after reporting sales to users, even though they know they will incur some loss. There are cases. However, such a practice results in significant liability to the publisher, as some users may initiate refunds after the publisher has already paid cashback to the user. Currently, neither cashback websites nor publishers take this approach, or they significantly restrict how far in advance of commission payments, reward payments are disbursed to users. Minimize exposure to losses arising from refund requests after receiving compensation.

Use automatic two-way transactions tied to user accounts to direct and adjust user compensation, reducing latency when processing compensation payments to users, thereby reducing expiration of advertiser refund periods. There is a need for techniques to eliminate the dependence on fixing the resulting sales prices and commissions on purchases made by users. The present invention, in addition to having other desirable features, is directed to further solutions to address such needs. Specifically, instead of avoiding user-initiated transaction reversals by making payments later, it allows any transaction reversals to be recovered as an alternative step to replace payment cycle steps that require delays or waiting periods. Cashback websites are enabled by the technical advances of the present invention to reduce such risks by ensuring that users are given the means to. For example, payments to customers who receive payments via automatic two-way transfers , such as Automated Clearing House (ACH), can be reversed because ACH supports both lending and borrowing. Alternatively, a customer that accepts payment via check may provide a credit card that the issuer can charge for any transactions that are canceled after they have paid the user. Note that recovery of such cancellations is optional and may be avoided by the issuer if the cancellation is covered by other existing outstanding transactions.

According to an example embodiment of the invention, a computer-implemented method implements non-conventional steps that represent technical improvements through currently known and implemented mechanisms and processes for managing compensation payouts. This reduces waiting time when processing remuneration payments to users. The computer-implemented method uses a processor of a publisher system and an electronic network to collect processed data from one or more computer devices of at least one advertiser corresponding to an initiative of at least one advertiser including commission data. receiving and storing processed data using storage devices and processors of the issuing system; The method also includes at least one advertiser responsive to a request from the user device, prior to, concurrently with, or after receipt of the processed data, for the engagement and for payment of the commission amount for the purchase. Receive purchase notifications or behavioral identifier data. The method then uses a processor of the issuer system to verify that the user device and the user account maintained by the third party financial entity correspond to the registered user. The method also verifies that the purchase corresponds to the advertiser's efforts and processing data. Upon confirmation, the method uses a processor and other components and functions of the publisher system to determine the fixing of commissions of at least one advertiser, expiration of a refund period, publication by at least one advertiser according to the processing data and for one or more user accounts prior to at least one of the group consisting of: payment of a commission to the originating system; payment of a commission by at least one advertiser to an affiliate network; and combinations thereof; Pay the compensation amount by one or more automatic two-way transfers (eg, by Automated Clearing House (ACH) transfers ). Conventional systems and methods are required to wait until sales and commissions have expired and been locked in by advertisers before engaging in payments to users. This method, in contrast, makes a payment to a user and then receives from at least one advertiser one or more fixed commissions of the at least one advertiser. The method allows for the aggregation of data from multiple purchases that earn different reward amounts from multiple sets of processed data, and its integration into reward payments made to users, whereby the processed data, registered Reduce the number of payments made to one or more user accounts while managing user profile data and system intelligence data. The method then uses an adjustment device to adjust any difference between the one or more fixed commissions, the commission data and the compensation payout amount , and adjusts the one or more fixed commissions of the at least one advertiser. If the fees and compensation payments are not equivalent, the user account(s) will be adjusted accordingly by one or more additional adjusting automatic two-way transfers (e.g. ACH transfers ) and then future processing actions update processing data, registered user profile data and system intelligence data for;

According to aspects of the invention, a computer-implemented method includes automatic two-way transfers (e.g., ACH transfers ) and debt transfers to and from one or more user accounts maintained at a third-party financial entity. consent by providing the specified financial data to the issuer system to create a coordinated automatic two-way transfer (e.g., an ACH transfer ), registered user profile data, and device data corresponding to the user device; Works with registered users, which may include registered users. Behavioral identifier data may include link data or receipt data corresponding to purchases made by such registered users. The one or more automated two-way transfers may include one or more automated clearinghouse (ACH) transfers . The one or more coordinating automated two-way transfers may include one or more coordinating automated clearing house (ACH) transfers .

According to an aspect of the invention, a method uses additional ACH transfers to transfer funds paid to one or more user accounts to one or more user accounts with one or more fixed fees. adjusting one or more User Accounts by one or more automatic two-way transfers , including refunding the Publisher System's account in an amount that includes the difference between the Reward Payment Amount for Purchases already paid for; may adjust one or more user accounts. Using additional ACH transfers to refund funds paid to one or more User Accounts may include refunding all of the funds paid to one or more User Accounts, or returning one or more funds paid to one or more User Accounts. This may include refunding only a portion of funds paid to multiple user accounts. Adjusting one or more User Accounts by means of one or more automatic two-way transfers (e.g. ACH transfers ) may involve one or more fixed fees and charges already paid to one or more User Accounts. The method may further include changing the amount including the difference between the amount of the reward payment amount for the purchase made by the user and the amount of the reward payment amount pending for other purchases made by the user. More particularly, the method reduces the amount to refund funds paid to the user corresponding to the amount of pending unpaid reward payments for other purchases made by the user, and then reduces the amount of funds paid to the user. One or more adjustment automatic two-way transfers (e.g., ACH transfers or linked credit card transfers ) after adjusting other pending compensation payments to clear the repayment of the net balance. User accounts can be adjusted. One or more fixed fees and the difference between the fee data and the reward payout amount may result in the purchase not being received by the user if the purchase is designated for in-store pickup, or the purchase not being eligible for reward payment. , the User's payment method has been declined, the User initiates a reversal of the transaction, the User issues a credit card chargeback for the purchase, the User cancels the purchase, the User purchases or otherwise one or more of the following: modifying an order; a purchase being refunded; a user making an unauthorized purchase; a user making a purchase using a stolen credit card; and any combination thereof. can be included.

According to aspects of the invention, purchases are facilitated by a user activating a publisher link and adding unique tracking parameters to track the user's trading behavior and processing data used to manage the account. can be done. Payments and adjustments may include one or more transaction records for the advertiser. The processed data may further include one or more additional transaction records of the advertiser, including reports from the advertiser of purchases, which may include specific tracking parameters. In addition, the processing data may include instructions for changes to the price of the purchase, instructions for changes to fee data, instructions for changes to the price of the fee, instructions that the price will not be amended because the fee is a fixed fee, a fixed fee. may also include one or more additional reports from the advertiser of the purchase, including at least one of the group consisting of payment instructions, and any combination thereof.

According to an aspect of the invention, the method includes at least one affiliate network acting as an intermediary to transfer data between at least one advertiser and a publisher system. Data and information may be transmitted to and received from one or more computing devices of an advertiser. When using affiliate network embodiments, purchases may be facilitated by a user activating a publisher link that appears on a publisher website or in third party content, and the publisher system then Users can be redirected to affiliate networks and specific tracking parameters can be added to track the user's trading behavior.

According to aspects of the invention, a method and publisher system provide a method and publisher system in which a user requests fulfillment of a reward, follows a link to an advertiser's content, registers for a service provided by the publisher system, and the user or an issuer web configured to enable you to provide user account data associated with one or more user accounts, agreeing to the provisions for ACH debt transfers using multiple user accounts; A site can be provided. The one or more user account data may include a user account number, a bank branch code for the user account, a type of user account, a location for the user account, a financial entity for the user account, rules for the user account, constraints for the user account, and a user account. may further include one or more of the group consisting of a unique identifier for a user account, access information for a user account, and combinations thereof.

According to aspects of the invention, a method and publisher system provide a method and publisher system in which a user requests fulfillment of a reward, follows a link to advertiser content, registers for a service provided by the publisher system, and receives one or more provide user account data associated with a user account, where the user can agree to provisions for one or more automatic two-way transfers using one or more user accounts; It can be configured to: The one or more user accounts include a first user account, including the user's credit card account or the user's bank account that provides ACH debt transfer , and one or more fixed fees of the at least one advertiser. If the compensation payments are not equivalent, the user providing ACH debt transfer is used to reconcile one or more user accounts and subsequently update processing data, registered user profile data and system intelligence data. and a second user account including a credit card account or a bank account of the user.

According to aspects of the present invention, methods and issuer systems provide delivery services that include one or more of the group consisting of gift cards, reward cards, checks, prizes, digital or cryptocurrencies, and customized issuer currencies. Selecting a device can be configured to allow a user to provide user account data associated with one or more user accounts used to receive reward payouts . using the processor to pay the reward payment amount to one or more user accounts by one or more automatic two-way transfers , and using the delivery device to initiate delivery of the alternative payment to the user; It can include doing.

According to an example embodiment of the invention, a system for reducing latency in processing compensation payments to a user includes at least one processor, a memory, at least one storage device, and fee data. at least one advertiser device of the at least one advertiser configured to analyze and transmit processed data corresponding to an initiative of the at least one advertiser. The system includes a user device configured to provide the processor with notification or behavioral identifier data of a purchase made with at least one advertiser corresponding to a request for payment of an effort and a commission payment amount for the purchase. Be prepared for more. The system also includes a publisher website and an electronic communications network configured for communication between the system and the at least one advertiser device and the user device. The processor of the system uses at least one storage device to receive and store processed data transmitted by the at least one advertiser device and the user device and the user account maintained with the third party financial entity are registered. corresponds to the users who have requested and whose purchases correspond to advertisers' efforts and processing data, and receives from at least one advertiser one or more fixed commissions of at least one advertiser; It is configured as follows. The system also determines, in accordance with the processed data, the fixing of commissions of at least one advertiser, the expiration of a refund period, the payment of commissions by at least one advertiser to a publisher system, the payment of commissions by at least one advertiser to an affiliate network. Rewards payments made by one or more automatic two-way transfers /transactions (e.g., ACH transfers /transactions) to a User Account payment prior to at least one of the group consisting of: and a payment processor configured to use the processor to disburse compensation payments by automated clearinghouse (ACH) transfers to one or more user accounts. The system additionally adjusts for differences between the one or more fixed commission and commission data and the commission payout , such that the one or more fixed commissions and commission payout of the at least one advertiser are not equivalent. a coordinating device configured to reconcile one or more user accounts with one or more coordinating automatic two-way transfers (e.g., ACH transfers ). The system includes an update device configured to update processing data, registered user profile data and system intelligence data for future processing actions.

In accordance with aspects of the present invention, automatic two-way transfers , and system-registered users, can automatically transfer debts to and from one or more user accounts maintained at third-party financial entities. consent by providing the financial data specified to the system to create a coordinated automatic two-way transfer , including ACH transfers , and the registered user profile data and device data corresponding to the user device ; can include registered users. Behavioral identifier data may include link data or receipt data corresponding to purchases made by such registered users. The one or more automated two-way transfers may include one or more automated clearinghouse (ACH) transfers . The one or more coordinating automated two-way transfers may include one or more coordinating automated clearing house (ACH) transfers .

According to aspects of the invention, the system may transfer all of the funds disbursed to one or more user accounts, or only a portion of the funds disbursed to one or more user accounts, through additional ACH transfers . to be refunded back to the Publisher System's account in an amount that includes the difference between one or more fixed fees and the Reward Payment Amount for Purchases that have already been paid into one or more User Accounts; One or more user accounts may be reconciled by one or more adjusting automatic two-way transfers (e.g., ACH transfers ), in which case one or more adjusting automatic two-way transfers (e.g., ACH transfers ) Adjusting one or more User Accounts by means of an amount that includes the difference between one or more fixed commissions and the Reward Payment Amount for that purchase that has already been paid to one or more User Accounts. , change by the amount of pending unpaid Reward Payouts for other purchases made by the User, and then adjust other pending Reward Payouts to clear the repayment of the balance less the refund. Including further.

According to aspects of the invention, the purchase is facilitated by the user activating the publisher link and the system redirecting the user to the affiliate network and adding unique tracking parameters to track the user's trading behavior. be able to. The processed data further includes one or more additional transaction records of the advertiser, including reports from the advertiser of purchases, including specific tracking parameters.

In accordance with aspects of the invention, system intelligence data may be used to limit total reward prices on a per-user, per-month, per-advertiser, and per-account basis, and to limit up-front reward payments to users who share a user account. do not authorize, do not authorize upfront remuneration payments that correspond to any advertisers with frequent cancellations or fixed fee differentials, do not authorize upfront commission payments that correspond to any advertisers that have an extended fixed period; Delaying commission payments until after the automatic deal cancellation period has passed for advertisers with frequent automated deal cancellations; enabling additional industry standard fraud detection rules and logic; and extensions. change the treatment of collection obligations and system intelligence data if the transaction remains unexpectedly unfixed for a period of time specified by one or more of the group consisting of: Maximum liability can be limited by implementing transaction security functions .

These and other features of the invention will be more fully understood by reference to the following detailed description, taken in conjunction with the accompanying drawings.

1 is a schematic overview of a publisher system for reducing latency when processing reward payments to users using automated clearing house transactions; FIG .

1 is a flowchart illustrating one currently known example conventional computer-implemented method of how a user experiences a standard payment flow; FIG.

FIG. 3 is a flowchart illustrating an example computer-implemented method of illustrating an improved payment cycle in such a way that a user experiences an improved flow of shortened payments if the transaction is not cancelled.

FIG. 2 is a flowchart illustrating an example computer-implemented method illustrating an abbreviated payment flow when a user makes a payment request, where the transaction is later partially reversed.

FIG. 2 is a flowchart illustrating an example computer-implemented method illustrating changing a later purchase so that an abbreviated payment is not completely reversed.

1 is a schematic diagram of a high-level mechanism for implementing systems and processes according to aspects of the present invention; FIG.

Illustrative embodiments of the present invention relate to technical advances and practical applications in the form of systems and methods for reducing or reducing latency in processing compensation payments to users. The system and method incorporates non-traditional processes into the compensation payment cycle made possible by improvements in technological systems, allowing for automated transaction reversal, and the ability to reduce transactions that users engage in with advertisers. Avoid dependence on advertisers' payments prior to remuneration payments to users. The systems and methods provide unique improvements in traditional payment mechanisms through the use of automated clearing house transactions tied to user accounts pre-authorized for service actions, thereby directing and adjusting user compensation. , eliminates the reliance on the expiration of the advertiser's refund period and the fixation of commissions on purchases made by the user as a precondition for the payment of user rewards. Several events that affect how an advertiser's sales price and commission are calculated, including the cancellation of a user-initiated transaction, can commonly occur immediately after a sale related to a user's purchase is reported. be. Instead of avoiding cancellation of user-initiated transactions by paying only after receiving payment from the advertiser, which requires the expiration of a refund period and locking in fees, the system and method can Enable payments as soon as you receive transaction notifications or behavioral identifier data. The system and method provides cashback by ensuring that the user is given the means to recover any transaction reversal by refunding the corresponding payment using additional Automated Clearing House (ACH) transfers . enable a website or publisher to reduce or avoid the risk of creating a liability associated with making payments before receiving payments; The systems and methods additionally provide for tracking user behavior, advertising, linking to publisher content, linking to affiliate network behavior, and linking to advertiser resources in a more comprehensive manner than previously available. of a user from the time of initial exposure to linking and interaction, conversion behavior, purchase transaction behavior, and as well as post-purchase behavior, including accounting behavior, reversal behavior, and additional subsequent trends and behavioral data. Allows you to track your actions.

In a traditional compensation payment cycle, a publisher acts to help advertise the advertiser's product to one group of consumers or users, and the consumers or users are exposed to content from the publisher. , which would lead to interaction with the advertiser under ideal conditions and a purchase by the user of the product sold by the advertiser. Users may be further encouraged to engage in purchase transactions by being offered discounts or rewards for completing particular types of purchases at particular advertisers. Other entities may also offer discounts or rewards to consumers or users. If the sale results from an action undertaken by the publisher on behalf of the advertiser, the advertiser will compensate the publisher in a fee. Fees are subject to various rules set by the parties, including the payment of specific fee amounts for certain types of sales, which may be subject to cancellation or modification according to agreed rules and regulations, as well as how user behavior may be subject to regulations that may indicate what is to be taken into account for fee purposes. Commission payments are based on the number or percentage of sales that can be tracked, other conversion events, such as cost per conversion metric, or cost per click, cost per impression, or the amount of time the advertisement is performed on behalf of the advertiser. It may be based on cost per other metrics such as payments defined by period. The transactions involved may be directly between the parties or facilitated by an intermediary and may be completed in person or using electronic means such as the Internet as a route for the transaction. may be done.

A publisher is defined according to industry standards as an entity or company that displays advertisements in exchange for compensation, most often in the form of a commission. Publishers may operate websites to interact with consumers, users, advertisers, retailers, and other entities, and are sometimes referred to as reward websites or cashback websites. Additionally, the publisher may offer subscriptions to services and programs to consumers or users who subsequently become members, and for participation may include the exchange of data or information related to the members or their behavior. Receive offers or services in your interactions. Publishers that offer rewards to such users may also be referred to as reward websites or cashback websites.

An advertiser is defined according to industry standards as an entity or company that pays publishers to display advertisements and engages in commercial transactions with customers, consumers, or other users. Advertisers, also referred to as retailers, may participate in initiatives or programs to pay fees associated with advertising campaigns or other strategic initiatives or marketing strategies. Such fees may be paid to the Publisher in accordance with the rules and regulations established by such party.

Users may participate in financial transactions (in most cases purchase transactions) or other economic activities with advertisers, and may not engage in or otherwise engage in any financial transactions, etc., before or after such transactions. related to a publisher, including receiving commission payments for financial transactions with advertisers facilitated by your participation in the program or your interaction with advertising information supplied or presented by that publisher; Defined as any person or entity that may receive services.

A financial entity may be a bank, credit union, financial institution, credit card company or other financial service provider, or a customer, user, member, advertiser, retailer, publisher, affiliate network, or other payment cycle entity. May be any entity that provides, owns, controls, or services an account, which stores currency or assets for financial transactions, including cryptocurrencies, or otherwise known Use banking channels to facilitate transactions. Financial entities are, by definition, separate entities from advertisers and publishers.

An affiliate network is a network or group of entities that participate together and act as an intermediary to transfer data between publishers and advertisers. Affiliate networks may enable easier transfer or exchange of deals, customers, promotions, programs or other resources between participating member entities. Affiliate networks aggregate data and offer members access to a larger set of resources than would otherwise be available, often in exchange for a commission or a share of revenue from related actions agreed to by the member entity. may be allowed to access.

A fee is an amount or price agreed to be paid for services, including those provided to a party, including advertising services provided by a publisher to an advertiser. Unfixed fees are fees that are not final and may be modified or canceled by the retailer or advertiser. A fixed commission is a commission that is fixed by the retailer or advertiser. Fixed fees cannot be modified. Advertisers may report fixed information to publishers. Advertisers can also set pinning directly and report that "all sales before X date have been pegged ," or "This sales can be treated as pegged on day X." may be reported. Refunds are fees that an advertiser originally intended to pay but choose not to pay (e.g. because a delegated transaction was refunded) or choose to modify and not pay in full. be.

Liability is the amount of money payable to a given user for one or more transactions and any fixed amount associated with one or more transactions of that user, as controlled by agreeing to the establishment of a fee. is defined as the difference between the total amount of fees charged. This definition of liability means that all fixed and unpaid fees may not be paid by the retailer or advertiser (for example, because the retailer or advertiser declares bankruptcy). The fee may be treated as being paid. Such risk factors are beyond the scope of the payment cycle addressed by the present invention, and it is already an accepted practice in the industry to pay user fees before they are paid by advertisers. This definition does not treat "unpaid" incentives to users as a form of debt. Advertisers may work directly with publishers in commission relationships and agreements, or some advertisers use affiliate networks as intermediaries.

An abbreviated payment is a payment made by a publisher to a consumer, user, or member prior to receipt of a commission from a retailer, advertiser, or affiliate network. Accelerated payments may also be referred to as minimal delay payments, lightning payments or quick payments.

1 and 3 to 6, like parts are designated by like reference numerals throughout, and automated clearing house transactions tied to user accounts for directing and adjusting user compensation in accordance with the present invention to reduce the latency when processing compensation payments to users, thereby reducing the dependence on the expiration of the advertiser's refund period and the resulting sales price, as well as the fixation of commissions on purchases made by the user. 1 illustrates an example embodiment or embodiments of a system and method for eliminating. Although the invention has been described with reference to an example embodiment or embodiments shown in the drawings, it is to be understood that many alternative forms may embody the invention. Those skilled in the art will additionally appreciate various ways to change the parameters of the disclosed embodiments, such as the size, shape or type of elements or materials, in a manner that is still consistent with the spirit and scope of the invention. Probably.

FIG. 1 is a schematic overview of a publisher system 100 for reducing latency in processing compensation payments to users 104 using automated clearing house transactions . Publisher 102 may operate system 100 in support of a cashback website. Publisher system 100 includes a processor 106 and memory 108 operated in conjunction with an operating system. System 100 also includes one or more storage devices 114, which can be of various types, including databases or fixed chains stored internally or externally to publisher 102, input/output interfaces 110, and users 104. other input/output devices 112 that may be used to interact with various entities and components, including user devices 122, user accounts 124, retailers or advertisers 120, affiliate networks 118, financial with an internal or external publisher account 126 that may be maintained with the entity and other entities, in which case communications may be accomplished directly or electronically through a telecommunications or other electronic communications network 116. System 100 allows user 104 to provide publisher 102 links or other interactive routes that may be presented on publisher website 102 operated by system 100 or elsewhere, including other sites on the Internet 116. on the user device 122. System 100 enables user 104 to communicate with advertiser 120 and make one or more purchases, for which advertiser 120 or user 104 provides data validating the purchase or sale, and the user 104 may request payment from publisher 102. In most cases, publisher 102 redirects user 104 to affiliate network 118 (or content or resources of advertiser 120) and adds specific tracking parameters to monitor and verify behavior. Affiliate network 118 then facilitates further communications with advertisers 120. User 104 interacts with advertiser 120 and makes purchases. Advertisers 120 use system 100 to report their purchases to publishers 102. This report typically includes tracking parameters, expected fees, and sales prices. Optionally, advertiser 120 may submit one or more additional purchase reports to indicate changes to fees and sales prices (eg, by canceling the transaction). System 100 allows users 104 to submit requests to publishers 102 for reward payments and other behavioral identifier data, including by user devices 122. System 100 also includes traditional payment cycle steps (where advertiser 120, at any point in time, then reports that the sale has been fixed , advertiser 120 then pays publisher 102, then publishes The source 102 pays the user 104 for a fixed sale resulting in the payment being credited to the user account 124) and, more importantly, allows the advertiser 120 to confirm that the sale has been fixed . one or more automatic transactions between user account 124 and publisher account 126 that enable reversible compensation payments by publisher 102 to user 104 prior to the time of reporting and subsequent payment to publisher 102; One or more automatic two-way transfers , which may include clearinghouse clearinghouse (ACH) transfers or automated clearing house transactions , are used to enable shortened payment cycle steps. An automated clearinghouse (ACH) is an electronic network for financial transactions, generally domestic payments. ACH is a computer-based clearing and settlement mechanism established to handle the exchange of electronic transactions between participating financial periods. It is a form of payment center that is specific to payments and can support both direct credit transfers and direct debits. In some cases, automated clearing house transactions may also be referred to as transfer schemes. If a reversal occurs, one or more automated two-way transfers , which may include one or more automated clearing house transactions, may include one or more coordinating automated clearing house (ACH) transfers . Refunds may be made through a coordinating automatic two-way transfer , returning payments made to user account 124 to issuer account 126. System 100 monitors, tracks, stores using storage device 114 and updates using processor 106, memory 108 and storage device 114 the actions of each member and all of the components of system 100; Processor 106 to be used by system 100 allows additional data and intelligence to be extracted from the functionality of system 100 over time.

FIG. 2 depicts a flowchart illustration of an example conventional computer-implemented method illustrating how a user 104 experiences a standard payment flow in a compensation payment cycle. In a standard reward payment cycle, the user 104 may request payment from the publisher 102 only after making a purchase and the advertiser 120 fixing the commission. In most cases, the process of a payment cycle involves a user 104 presenting a publisher 102 link on the user device 122 to a publisher 102 website operated by the system 100 or elsewhere, including other sites on the Internet 116. It begins at step 202 when you click . The publisher 102 redirects the user 104 to the affiliate network 118 (or to the content or resources of the advertiser 120) and adds tracking parameters. User 104 interacts with advertiser 120 and makes a purchase (eg, a computer) at step 204, thereby earning a reward (eg, a cash back reward). Advertiser 120 reports its purchases to publisher 102 at step 206, thereby establishing and verifying the existence of unfixed commissions payable to publisher 102 in the future (e.g., records in system 100 indicate that the (showing $0 in fees charged, $100 currently offered in unfixed fees, $0 in unpaid issuer 102 debt, and $0 transferred to user's bank account 124). This report typically includes tracking parameters from previous steps, expected fees, and sales prices. Optionally, advertiser 120 may submit one or more additional purchase reports to indicate changes to fees and sales prices (eg, due to transaction cancellations). At step 208, advertiser 120 reports that the sale will be fixed as a fixed commission at any time thereafter. Fixed sales are a commitment by advertiser 120 that sales will not be modified or updated in reports recorded in system 100. Advertiser 120 then pays publisher 102 for the fixed sales at step 210 through a transaction with publisher account 126 (e.g., system 100 reports a fixed fee of $100, an unfixed fee of $100, and a fixed fee of $100). 0, indicating known but outstanding rewards and issuer 102's liability of $100 for the $100 payment received and $0 transferred to user's bank account 124). Thereafter, in step 212, in response to the user's 104 request, the publisher 102 pays the user 104 (including from the publisher account 126) for the sales fixed in step 214, and the resulting payment is 's bank account 124 and, at step 216, the publisher's 102 records and accounts 126 reflect both the receipt of the advertiser's 120 fee and the payment to the user's bank account 124 (e.g., the system 100 reports , a fixed fee of $100, an unfixed fee of $0, a liability of $0 to issuer 102 due to payment to user 104, and $100 successfully transferred to user's bank account 124). In a payment cycle, payments are typically made through traditional banking channels, including payments by check, credit card, and the like. In most cases, the advertiser 120 sets a period of time that must elapse from the time of the sale to the time the commission is fixed . This is why the payment cycle may be interrupted. Interruptions in the reward payout cycle often include cancellation of user-initiated transactions. To minimize the impact of such interruptions, advertisers 120 incorporate refund windows during which users 104 may initiate cancellations prior to locking in fees. Only when the refund period expires does the advertiser 120 fix the fee. While such delays improve outcomes for advertisers 120 and ultimately minimize the likelihood of paying commissions on sales that are not realized, delays can be costly for both publishers 102 and users 104. It is inefficient, inconvenient, and often makes it difficult to process data and track or attribute behavior related to purchasing activities. Because it is economically advantageous to reduce the period of delay in a payment cycle, both advertisers 120 and publishers 102 have begun to rely on probabilistic calculations to determine the timing of payments, resulting in faster payments. Assuming some risk in return for the rewards associated with. For example, an advertiser 120 may set a refund period so that cancellations of user-initiated transactions rarely occur beyond a given advertiser 120's refund window, but still allow them to recover some payments. It may expose you to problems. whether the advertiser 120 sends additional purchase reports related to sales when commission payments are made by paying the user 104 slightly in advance of payment by the advertiser 120, relying on historical data; It is also common in the cashback industry to predict with high probability what percentage of the commission and fees are likely to be paid. Although the economic benefits are increased because payments to users 104 are faster, there is a potential for liability associated with payments made to users 104 that are not then covered by fees subsequently paid by advertisers 120 also becomes larger.

An example of a frequent interruption to the reward payment cycle is if a user 104 does not receive a purchase designated for in-store pickup within a week, some advertisers 120 may report the purchase and If the purchase is later found to be ineligible for cash back when checking eligibility, or if user 104's payment method is declined (advertiser 120 reports the purchase before billing user 104) (including, among other things, where the advertiser 120 reports the purchase immediately but charges the user 104 once the order is shipped) and where cancellations of various user-initiated transactions occur. Cancellations of user-initiated transactions are initiated with some frequency and generally occur before the advertiser 120 has paid the commission. Common examples of canceling user-initiated transactions are when user 104 performs a credit card chargeback on his or her purchase; when user 104 cancels, refunds, or modifies his or her order; 104 to make a fraudulent purchase or to make a purchase using a stolen credit card. Each of these events interrupts the normal payment cycle and results in the advertiser 120 changing or completely foregoing the payment of fees to the publisher 102. If issuer 102 has already compensated user 104 for the transaction that was interrupted (user-initiated cancellation or other event), then issuer 102 may Incurring debts for payments. Publishers 102 continue to accept reward or cashback payment requests for purchases from users 104 prior to the payment of commissions by advertisers 120, without adjusting for the likelihood of repayment as indicated by the data. If we do so, we may incur considerable debt.

However, this payment cycle has been improved by using technological advances in accordance with the present invention that allow for faster payments while reducing the risks and liabilities associated with user 104 payments and advertiser 120 payments. good. An example of this improvement is depicted using a computer-implemented method 200 for reducing latency when processing compensation payments to a user 104, illustrated in the flowchart illustrations of FIGS. 3-5. FIG. 3 illustrates how a payment cycle may be improved using an example computer-implemented method 200 to reduce latency when processing compensation payments to a user 104, so that the user 104 may have a transaction canceled. illustrating experiencing an improved flow of shortened payments in scenarios where there is no transaction. This is the most common experience for users 104 because most users 104 do not experience transaction cancellation. This is similar to FIG. 2, except that the user 104 can request payment before it is fixed . When the method begins the reward payment cycle at step 202, the user 104 clicks on the publisher 102 link. The publisher 102 redirects the user 104 to the affiliate network 118 (or to the content or resources of the advertiser 120), adds unique tracking parameters, and monitors and verifies the behavior. User 104 interacts with advertiser 120 and makes a purchase (eg, a computer) at step 204, thereby earning a reward. Advertiser 120 reports its purchases to publisher 102 at step 206, thereby establishing and verifying the existence of unfixed commissions payable to publisher 102 in the future (e.g., system 100 records indicate that (indicating $0 in fees posted, $100 in unfixed fees currently offered, $0 in outstanding issuer 102 debt, and $0 transferred to the user's bank account 124). Under an abbreviated payment situation, the user 104 may request payment of the reward immediately in step 212, and the publisher 102 pays the user 104 (including from the publisher account 126) in step 214. In this case, no fee payment is made for the corresponding purchase, so in step 218, the fixed fee is $0, the unfixed fee is $100, and the payment made in step 214 is There is $100 in issuer 102's debt from and $100 transferred to user's bank account 124. The payment record data at step 214 for the user's bank account 124 registered with the reward account of the user 104 receiving payment transfer and reward payment data is linked to the bank account data and the issuer 102 performs the process at step 214. used for any future refunds of matching payments or related transactions and transfers , even if User 104 subsequently wishes to cancel all or a portion of any payments made , maintain that data even if you change user profile data to reflect a different bank account. Advertiser 120 may submit one or more purchase reports, which typically include expected commissions and sales prices from previous steps, and include commissions (e.g., due to transaction cancellations) and Indicates changes to sales price. At step 208, advertiser 120 reports that the sale will be locked in as a fixed commission at any time thereafter, typically upon expiration of the refund period. Advertiser 120 then pays publisher 102 (updating system 100 records to pay the fixed fee $) on the sales fixed in step 216 through the transaction with publisher account 126. 100, reflecting an unfixed fee of $0, a liability of publisher 102 of $0 due to payment from advertiser 120 for fees fulfilling outstanding outstanding obligations, and $100 sent to user's bank account 124 ).

FIG. 4 is an example computer for reducing latency in processing compensation payments to a user, illustrating what happens when a user makes an abbreviated payment request , but the transaction is later partially reversed. A mounting method 200 is depicted. This example method begins with the same steps as in FIG. 3, but after step 218, recording a liability, but prior to step 208 in which advertiser 120 fixes a fee, in step 220 advertiser 120 ( For example, the fee is reduced from $100 to $25 (to reflect the return of a portion of the purchase and the resulting refund of a portion of the purchase price to user 104). Note that the publisher 102 will not remove money from the user's bank account 124 until the advertiser 120 notifies the publisher 102 that the transaction has been partially refunded. At step 222, the system 100 is notified of the reduction and updates its records to transfer the fixed fee of $0, the reduced unfixed fee of $25 , the issuer's 102 liability of $100, and the user's bank account 124. Shows $100 spent. Thereafter, in step 224, issuer 102 executes an automated clearinghouse transaction to correct the transaction with user 104 and to ensure that payment is not made, in accordance with member user 104's consent entered to enable such transaction. Collects the unearned portion of the earned rewards thereby withdrawing $75 from the user's bank account 124 and returning it to the system 100 and its account 126. Step 224 may debit the same user's bank account 124 that was credited in step 214. In one particular example embodiment, system 100 uses processor 106 to process processing data, specific tracking parameters, reports related to purchases, receipt data, link data, transaction records, purchase transaction notifications, commitment data, and By receiving other notifications, commission data, or other related data that advertiser 120 sends to system 100, making related transfers and parsing that data, including strings, fields, records, pointing, hashing, etc. Memory addresses, data structures, and associated functionality are used to retrieve associated data stored in one or more storage devices 114, including one or more databases or blockchains, to retrieve the input data, and one Or manage data stored in multiple storage devices 114. System 100 compares the stored data with input data, including data analyzed by user 104, tracking parameters, user account data, link data, purchase amounts, receipt data, registered user profile data, device data, or Match other unique identifying data. Processor 106 compiles and aggregates the corresponding records and values and uses the coordination device to create one or more fixed fees and commission data and one or more reward payments corresponding to associated user 104. Adjust the difference with the height . Once such differences are calculated, processor 106 uses the appropriate user's bank account 124 data, user account data, link data, registered user profile data retrieved from one or more storage devices 114. to form instructions for one or more automatic two-way transfers , and to transfer such transfer instructions to one or more third parties responsible for the user account or accounts conditioned by the Transmit to third party financial entities. System 100 and processor 106 then update processing data, registered user profile data, user account data, and system intelligence data for future processing actions at one or more storage devices 114. Following cancellation and recall, in step 226, the system 100 transfers the $0 fixed fee, the $25 unfixed fee, and the $25 and $75 debt to the issuer 102 into the user's bank account 124. Record the $25 transferred to . At step 230, advertiser 120 fixes a commission of $25 and pays a commission payment of $25 to system 100 at step 228, resulting in a fixed commission of $25 and an unfixed commission of $0. , resulting in a liability of issuer 102 of $0 and $25 transferred to user's bank account 124.

Figure 5 illustrates how a later purchase can prevent a shortened payment from being canceled completely (or not at all) or can modify a shortened payment. 2 depicts an example computer-implemented method 200 for reducing latency when processing compensation payments to a user 104. This example method begins with the exact same steps as in FIG . Make an additional purchase (e.g. a phone) and earn $50 cash back. In step 234, the system 100 then determines that the associated net balance is a fixed fee of $0, an unfixed fee of $150 (for example, for the purchase of a computer and a phone), a debt of the issuer 102 of $100, and Reflects that $100 was transferred to the user's bank account 124 (reflecting only payments made to the user 104 for the computer, not the phone). Then, in step 220, advertiser 120 reduces the commission from $100 to $25 for the first purchase (eg, a computer). At step 236, system 100 records now show a fixed fee of $0, an unfixed fee of $75, a liability of issuer 102 of $100, and $100 transferred to user's bank account 124. Here, issuer 102 removes money from user's bank account 124 by delaying the collection of funds, thereby providing user 104 with more time to make purchases that offset user's 104 debt. It is possible to reduce the number of opportunities that need to be withdrawn. Even if the transaction is reversed, issuer 102 may avoid withdrawing funds from user's bank account 124 to compensate if user's 104 unfixed fees are not less than issuer's 102 liability. , the user's 104 unfixed fees can be fixed without further changes, eliminating the need for withdrawals from the user's bank account 124. Following such advancement, at step 238, issuer 102 updates user 104 profile and account data recorded by system 100 in accordance with member user 104 consent entered to enable such transactions. to execute automated clearinghouse transactions (using the operations and features of system 100 described in detail above) to modify transactions with user 104 and to recover unearned portions of paid rewards. , thereby refunding only $25 from the user's bank account 124 and returning it to the system 100 and its account 126, with an additional $50 cashback reward offsetting the previous shortfall due to the reduction in fees. . Following refund and collection, at step 242, system 100 records: $0 fixed fee, $75 unfixed fee, $75 owed to issuer 102, $75 transferred to user's bank account 124. (reflecting the $25 transferred by the ACH transfer ). After expiration of the associated refund period, advertiser 120 locks in the computer fee in step 230, and in step 240 advertiser 120 locks in the $50 phone fee as well. Finally, in step 244, the system 100 receives payment for the two fees from the advertiser 120, resulting in a net balance of the system 100 with a fixed fee of $75 and a balance of $75 for all related transactions. It will be recorded as a fixed fee of $0, a liability of the issuer 102 of $0, and a transfer of $75 to the user's bank account 124. Whenever an advertiser 120 sends data to the system 100, whether it is processing data, unique tracking parameters, reports related to purchases, receipt data, or link data. Whether transaction records, purchase transaction notifications, commitment data, other notifications, commission data, or other related data, the system 100 uses the system processor 106 to receive and process data. Processor 106 parses the input data and uses strings, fields, records, pointing, hashing, memory addresses, data structures and related functions to create one or more databases, including one or more databases or blockchains. Manage input data and data stored in one or more storage devices 114 by retrieving related data stored in one or more storage devices 114 . System 100 compares stored data to input data and matches data analyzed by user 104, tracking parameters, user account data, link data, or other unique identifying data. System 100 and processor 106 suitably store the then associated data on one or more storage devices 114 , and then processor 106 performs the required calculations and stores the data on one or more storage devices 114 . Update processing data, registered user profile data, user account data, and system intelligence data for future processing actions. Advertisers are not required to coordinate any Advertiser's processing during the implementation of the modified payment cycle, as the operations remain outside the scope of their interactions, and therefore Advertisers still reports all delegable actions to the publisher without any consideration of how this action might be translated into reward payments. These alternative steps of FIG. 5 add flexibility to the system 100, minimize the number of transactions to be performed, and reduce the impact on the user 104 not possible under traditional payment cycles. reduce For purposes of effectively representing liability, Figures 3-5 assume that issuer 102 always pays exactly 100% of the fees received. In practice, the issuer 102 may, without departing from the scope of the present invention, pay less than 100% (earn profits) or more than 100% (pay out of its holdings) to facilitate various payment schemes. ) may be paid. This does not change how the user 104 is billed, nor does it change the calculation, but it does make the term "debt" variable. While this changes the amount of risk, it does not change the reasoning or the underlying functionality, because the cashback awarded is a percentage of the cashback reward awarded. Moreover, it is not always equal to 100%.

In system 100 and method 200, the mechanisms used to recover from debts (eg, bank details) need to be recorded until all debts are cleared. If the user 104 requests that this information be deleted (or that the user's rewards account be closed), the issuer 102 will be responsible for the The user may also choose to eliminate all debts by requiring payment from user 104 for all debts.

In order to further minimize compensation payment delays while minimizing compensation payment obligations, publisher 102 uses data collected from user 104 members and advertisers 120 to provide information derived regarding the parties in the payment cycle. Parameters and rules may be adapted according to the data and intelligence obtained. For example, in addition to ensuring a means to recover lost funds using account 124 in an automated clearinghouse transaction configuration, for each user 104, on a monthly basis, and for each advertiser 120, a collection account (e.g., a bank account ) 124 or a combination thereof; disallowing upfront compensation payments to users 104 who share a user account 124; and upfront payment to merchants with frequent cancellations. automatic transaction reversals for merchants with frequent automatic transaction reversals; blocking upfront or accelerated payments until a period of time (which period is typically much shorter than the refund period); using additional industry standard fraud detection rules; and if it remains unfixed , not treating it as capable of covering the current liability, grading or adjusting the initial reward price, and identifying two factors at the user device 122. The system 100 and method may reduce liability related to reduced compensation payments in other ways, including minimizing fraudulent interactions by performing the following steps:

The technical solution presented by the present invention enables Automated Clearing House (ACH) transfers to and from a user's bank account 124 managed by the system 100, thereby providing for a traditional payment cycle. Improve the traditional payment cycle with an improved payment component that offers several benefits not available in the past. Direct Automated Clearing House (ACH) transfers to the appropriate registered user's bank account 124 correlated to a particular purchase transaction through data collected by the system 100 minimizes delays in reward payments to the user 104. and at the same time minimize outstanding compensation payment obligations by the issuer 102 because the issuer may use automated clearing house (ACH) transfers to refund payments, thereby: This is to limit any loss to publisher 102 that may result from subsequent modifications by advertiser 120 to commissions on associated purchases. Publisher 102 may operate reward payments to users 104 that are independent of any advertiser 120 refund period or delay without increasing risk or liability. Further, the functionality for analyzing and managing both user 104 and advertiser 120 data related to purchases and reward payments quickly and efficiently directs reward payments for purchases to the appropriate user bank account 124; Used in conjunction with the ability to refund it, it gives the issuer 102 the ability to more accurately, more efficiently, and more flexibly monitor and manage the issuer's 102 compensation payment scheme and associated financial resources. In particular, system 100 and method 200 enable issuer 102 to reduce or offset payment and cancellation ACH transactions, reduce the number of transactions issuer 102 needs to make, and require additional review. or reduce the number of cases in which manual review is required, reduce the load on computing resources, allow such resources to function more quickly, and often Issuers 102 can eliminate multiple fees in a manner that reduces the number and amount of transaction cancellations made and increases clarity and efficiency for users 104, resulting in system 100 and payment cycles performing more optimally. and allows for the aggregation of remuneration payment requests. System 100 and method 200 enable analysis and management of both user 104 and advertiser 120 data, which may be implemented using a variety of payment models. In one example embodiment, as one alternative to ACH transactions, user 104 may designate a credit card or other payment card and/or its associated account to perform similar payment and refund transactions or transfers . Good too. In an example alternative embodiment, the user 104 also designates two or more accounts or types of accounts to be used by the system 100 and method 200 as the user's bank account 124 for making transactions and transfers . In some cases. In one example alternative embodiment, the user 104 also has access to the user's bank account 124, including gift cards, reward cards, checks, winnings, digital or cryptocurrencies, and customized issuer currencies such as "befrugalbucks." may elect to use a supplementary delivery device to receive a reward payment, an upfront payment, or an abbreviated payment associated with a particular purchase facilitated by the issuer 102, in which case , system 100 and method 200 are still capable of managing user account data and making payment and refund transactions or transfers as calculated by system 100 and processor 106.

Any suitable computing device 600 may be used to implement the computing/user device 122 or publisher system 100 and to perform the methods/functions described herein, and is understood by those skilled in the art. As will be appreciated, it is possible to perform the acts and functions described herein through hardware, software and firmware modifications in a manner more distinct than simply executing software on general purpose computing device 600. It can be converted into a specific system 100. One illustrative example of such a computing device 600 depicted in FIG. 6 is a schematic diagram of a high-level mechanism for implementing systems and processes in accordance with aspects of the present invention. Computing device 600 is merely an illustrative example of a suitable computing environment and is not intended to limit the scope of the invention in any way. A "computing device" as represented by FIG. 6 includes a "workstation", "server", "laptop", "desktop", "handheld device", "mobile device", " 600 may include a "tablet computer" or other computing device 600. Assuming that computing device 600 is depicted for illustrative purposes, embodiments of the invention may be implemented on any number of computing devices in any number of different ways to implement a single embodiment of the invention. 600 can be used. Thus, embodiments of the invention are not limited to a single computing device 600, but rather to a single type or configuration of an example computing device 600, as will be understood by those skilled in the art. Nor will it be done.

Computing device 600 includes the following exemplary components: memory 612, one or more processors 614, 106, one or more presentation components 616, input/output ports 618, input/output components 620, and a power supply. A bus 610 may be coupled directly or indirectly to one or more of 624. Those skilled in the art will appreciate that bus 610 can include one or more buses, such as an address bus, a data bus, or any combination thereof. Those skilled in the art will appreciate that multiple such components can be implemented by a single device, depending on the intended application and use of the particular embodiment. Similarly, in some cases a single component may be implemented by multiple devices. Accordingly, FIG. 6 is merely an illustration of a representative computing device 122, 600 that may be used to implement one or more embodiments of the invention, and is not intended to limit the invention in any way. .

Computing device 600 can include or interact with a variety of computer-readable media. For example, the computer readable medium can include random access memory 108 (RAM), read only memory 108 (ROM), electrically erasable programmable read only memory 108 (EEPROM), flash memory 108 or other memory 108 technology, CD ROM, digital A versatile disc (DVD) or other optical or holographic medium, magnetic cassette, magnetic tape, magnetic disk storage (storage device 114) or can be used to encode information and be accessed by computing device 600. may include other magnetic storage devices capable of.

Memory 612 may include computer storage media in the form of volatile and/or non-volatile memory 108. Memory 612 may be removable or non-removable, or any combination thereof. Typical hardware devices are devices such as hard drives, solid state memory 108, optical disk drives, and the like. Computing device 600 may include one or more processors 106 that read data from components such as memory 612 and various I/O components 616. Presentation component 616 presents instructions of data to user device 122 or other device. Typical presentation components include display devices, speakers, printing components, vibrating components, and the like.

I/O ports 618 may enable computing device 600 to be logically coupled to other devices, such as I/O components 620. Some of I/O components 620 may be internal to computing device 600. Examples of such I/O components 620 include microphones, joysticks, recording devices, game pads, satellite dishes, scanners, printers, wireless devices, network devices, and the like.

To the extent used herein, the terms "comprises" and "comprising" are intended to be interpreted inclusively rather than "exclusively." As used herein, the terms "representative," "example," and "illustrative" are intended to mean "serving as an example, instance, or illustration," and other It should not be construed as indicating preferred or advantageous configurations over those of the following. The terms "approximately" and "approximately" are intended to cover variations that may exist within the upper and lower limits of a range of subjective or objective values, such as variations in properties, parameters, sizes and dimensions. In one non-limiting example, the terms "approximately" and "approximately" mean plus or minus 10 percent or less by 10 percent. In one non-limiting example, the terms "approximately" and "approximately" mean sufficiently close to be considered to be included by one of ordinary skill in the relevant art. As used herein, the term "substantially" means the complete or near complete range or degree of an action, feature, property, condition, structure, item or result, as understood by those skilled in the art. is pointing to. For example, an object that is "substantially" circular is either a perfect circle, or approximately circular, to mathematically determinable limits, as recognized or understood by those skilled in the art. . The precisely acceptable degree of deviation from absolute perfection may depend, in some cases, on the particular context. In general, however, the similarity of completeness will be such that it has the same overall result as if absolute and complete completeness had been achieved or obtained. The use of "substantially" is used with a negative connotation to refer to completeness, or near completeness, of an action, feature, property, condition, structure, item or result, as understood by those skilled in the art. is equally applicable when

Many modifications and alternative embodiments of the invention will be apparent to those skilled in the art in view of the above description. Accordingly, this description is to be construed as illustrative only, and for the purpose of teaching those skilled in the art the best mode for carrying out the invention. Details of construction may vary considerably without departing from the spirit of the invention, and exclusive use of all modifications falling within the scope of the appended claims is reserved. Although the embodiments within this specification have been described in a manner that allows for writing a clear and concise specification, these embodiments may be combined in various ways without departing from the invention. It is intended that the terms and conditions may be differentiated and will be evaluated as such. It is intended that the invention be limited only to the extent required by the appended claims and by the rules of applicable law.

The following claims claim all comprehensive and distinctive features of the invention described herein, and as a matter of language, the scope of the invention as may be stated therebetween. It should also be understood that all descriptions should be covered.
[Possible items]
(Item 1)
A computer-implemented method for reducing waiting time when processing reward payments to a user, the method comprising:
using the processor and electronic network of the publisher system to receive processed data from one or more computing devices of said at least one advertiser corresponding to an initiative of said at least one advertiser including commission data; and storing the processed data using the processor of the publisher system;
receiving from a user device behavioral identifier data of the purchase made with the at least one advertiser corresponding to the initiative and a request for payment of a reward payment for the purchase;
using said processor of said publisher system, said user device and one or more user accounts correspond to a registered user, and said purchase corresponds to said advertiser initiative and said processed data; a step of confirming that
using said processor, in accordance with said processed data, and locking commissions of said at least one advertiser, expiration of a refund period, payment of commissions by said at least one advertiser to said publisher system; said commission payment by one or more automatic two-way transfers to said one or more user accounts prior to at least one of the group consisting of: payment of a commission by an advertiser to an affiliate network, and combinations thereof; a step of paying
receive one or more locked commissions of said at least one advertiser from said at least one advertiser, and use an adjustment device to combine said one or more locked commissions with said commission data and said A step of adjusting the difference with the compensation payment,
if said reward payment is not equivalent to one or more locked commissions of said at least one advertiser; , updating said processing data, registered user profile data and system intelligence data for future processing actions;
A computer-implemented method comprising:
(Item 2)
Said Registered User may make automatic two-way transfers and coordinate automatic two-way transfers, including debit and credit transfers to and from said one or more User Accounts held at third party financial entities; Item 1, comprising a user consented and registered by providing specified financial data to said issuer system, said registered user profile data, and device data corresponding to said user device. The computer implementation method described in .
(Item 3)
the behavioral identifier data includes linking data or receipt data; the one or more automatic two-way transfers include one or more automated clearing house (ACH) transfers; The computer-implemented method of item 1, wherein the two-way transfer includes one or more coordinating Automated Clearing Center (ACH) transfers.
(Item 4)
Reconciling the one or more user accounts with one or more automatic two-way transfers includes adjusting the funds paid to the one or more user accounts using additional ACH transfers. Items comprising: refunding an account at the publisher system in an amount that includes the difference between one or more locked fees and the reward payment for the purchase that has already been paid to the one or more user accounts; 1. The computer implementation method according to 1.
(Item 5)
using said additional ACH transfer to refund said funds paid to said one or more user accounts; refunding all of said funds paid to said one or more user accounts; , or refunding only a portion of the funds paid to the one or more user accounts.
(Item 6)
adjusting said one or more user accounts by one or more adjusting automatic two-way transfers, said one or more locked fees and said one or more already paid to said one or more user accounts; 2. The computer-implemented method of item 1, comprising changing an amount including the difference between the reward payment for a purchase by an amount of pending and unpaid reward payments for other purchases made by the user.
(Item 7)
adjusting said one or more user accounts by one or more automatic two-way transfers corresponding to the amount of pending unpaid reward payments for other purchases made by said user; 7. The computer-implemented method of item 6, comprising reducing the amount to be refunded of funds paid to the user and then adjusting pending unpaid compensation payments to account for repayment of the balance of the refund.
(Item 8)
The difference between the one or more locked fees, the fee data, and the remuneration payment is:
If the above purchase is specified for in-store pickup, the above purchase is not received by the above user within one week;
The above purchases are not eligible for reward payment.
The above user's payment method has been declined,
The above user initiates the cancellation of the transaction,
The user performs a credit card chargeback for the purchase;
The above user cancels the above purchase,
The above user changes the above purchase or the order related thereto;
The above purchase has been refunded,
The above user fraudulently makes the above purchase;
2. The computer-implemented method of item 1, wherein the user makes the purchase using a stolen credit card, and one or more of the group consisting of combinations thereof.
(Item 9)
The purchase is facilitated by the user activating a publisher link and adding unique tracking parameters to track the user's transaction behavior, and the processed data is processed by the user in one or more transactions of the advertiser. The computer-implemented method of item 1 further comprising recording.
(Item 10)
The computer-implemented method of item 9, wherein the processed data further comprises one or more additional transaction records of the advertiser having reports from the advertiser of the purchases, including the specific tracking parameters. .
(Item 11)
The step of receiving from one or more computing devices of the at least one advertiser includes at least one affiliate network, wherein the affiliate network transfers data between the at least one advertiser and the publisher system. 11. The computer-implemented method of item 10, further comprising acting as an intermediary.
(Item 12)
the purchase is facilitated by the user activating a publisher link and the publisher system redirecting the user to an affiliate network and adding specific tracking parameters to track the user's transaction behavior; The computer implementation method according to item 11.
(Item 13)
The processing data includes an instruction to change the price of the purchase, an instruction to change the fee data, an instruction to change the price of the fee, an instruction that the price will not be revised because the purchase is locked, and a fee for which the fee is locked. further one or more additional reports from said advertiser of said purchase, including at least one of the group consisting of: instructions for payment of said locked commission; and combinations thereof. The computer-implemented method according to item 12, comprising:
(Item 14)
Said publisher system allows said user to request fulfillment of a reward, follow a link to advertiser content, register for services provided by said publisher system, and associate said user account with said one or more user accounts. said user agrees to the terms and conditions for ACH credit transfers using said one or more user accounts, said user account data including said user's account number, User account bank branch code, User account type, User account location, User account financial entity, User account rules, User account constraints, User account unique identifier, User account access information, and combinations thereof. 2. The computer-implemented method of item 1, further comprising a publisher website configured to further include one or more of the group consisting of:
(Item 15)
Said publisher system allows said user to request fulfillment of a reward, follow a link to advertiser content, register for services provided by said publisher system, and associate said user account with said one or more user accounts. said User agrees to the provisions for said one or more automatic two-way transfers using said one or more User Accounts and said User The plurality of user accounts includes a first user account comprising a user's credit card account or a user's bank account that provides ACH credit transfers, and the one or more locked fees of the at least one advertiser and the user's bank account. If the reward payments are not equivalent, the user providing the ACH credit transfer, which is used to reconcile said one or more user accounts and subsequently update said processing data, registered user profile data and system intelligence data. a second user account comprising a credit card account or a bank account of the user.
(Item 16)
The issuer system selects a delivery device that includes one or more of the following: gift cards, reward cards, checks, prizes, digital or cryptocurrencies, and customized issuer currencies. enabling said user to provide user account data associated with said one or more user accounts used to receive, using said processor, one or more automatic two-way transfers; as described in item 1, wherein paying the reward payment to the one or more user accounts further comprises initiating alternative payment delivery to the user using the delivery device. Computer implementation method.
(Item 17)
A system for reducing waiting time when processing reward payments to users,
at least one processor, memory, and at least one storage device;
at least one advertiser device of the at least one advertiser configured to analyze and transmit processing data corresponding to an initiative of the at least one advertiser, including commission data;
a user device configured to provide the processor with behavioral identifier data of the purchases made at the at least one advertiser in response to the initiative and a request for payment of a reward payment for a purchase;
a publisher website and electronic communications network configured for communication between the system, the at least one advertiser device, and the user device;
Here, the above processor is
receiving and storing the processed data transmitted by the at least one advertiser device using the memory and the at least one storage device;
confirming that said user device and one or more user accounts correspond to a registered user, and that said purchase corresponds to said advertiser initiative and said processed data;
configured to receive one or more locked commissions of the at least one advertiser from the at least one advertiser;
In accordance with said processing data and locking of commissions of said at least one advertiser, expiration of a refund period, payment of commissions by said at least one advertiser to a publisher system, commissions by said at least one advertiser to an affiliate network; a payment processor configured to pay a reward payment made by one or more automatic two-way transfers to a user account prior to at least one of the group consisting of: and combinations thereof;
adjusting the difference between the one or more locked fees and the fee data and the remuneration payment, and if the one or more locked fees and the remuneration payment of the at least one advertiser are not equivalent; a coordinating device configured to reconcile the one or more user accounts by one or more coordinating automatic two-way transfers;
an updating device configured to update said processing data, registered user profile data and system intelligence data for future processing actions;
A system equipped with
(Item 18)
Said Registered User may make automatic two-way transfers and coordinate automatic two-way transfers, including debit and credit transfers to and from said one or more User Accounts held at third party financial entities; the user who consents and registers by providing specified financial data to said system, said registered user profile data, and device data corresponding to said user device. system.
(Item 19)
the behavioral identifier data includes linking data or receipt data; the one or more automatic two-way transfers include one or more automated clearing house (ACH) transfers; 18. The system of item 17, wherein the two-way transfer includes one or more Coordinating Automated Clearing Center (ACH) transfers.
(Item 20)
Reconciling the one or more user accounts by the one or more adjusted automatic two-way transfers may include all of the funds paid to the one or more user accounts or Only a portion of said funds paid into a User Account will be transferred using additional ACH transfers to said one or more locked fees and said purchases already paid into said one or more User Accounts. adjusting the one or more user accounts by the one or more adjusting automatic two-way transfers, comprising the step of refunding back to the issuing system account an amount having the difference between the reward payment and the remuneration payment; the step is to transfer an amount comprising the difference between the one or more locked fees and the reward payment for the purchases already paid into the one or more user accounts to other purchases made by the user; 18. The system of item 17, further comprising modifying by the amount of the pending outstanding reward payment for the purchase and then adjusting other pending reward payments to account for repayment of the balance less the refund.
(Item 21)
The purchase is facilitated by the user activating a publisher link, the system redirecting the user to an affiliate network, adding specific tracking parameters and tracking the user's transaction behavior, and the processing data 18. The system of item 17, further comprising one or more additional transaction records of the advertiser having reports from the advertiser of the purchases, including the specific tracking parameters.
(Item 22)
The above system intelligence data is
limiting the number of transactions per user, per month, per advertiser and per account;
not authorize upfront compensation payments to users with whom you share a user account;
not authorize upfront commission payments to accommodate any advertiser with frequent cancellations or locked commission differentials;
not authorize upfront compensation payments to any advertiser with an extended lock period;
Delaying compensation payments to advertisers who frequently cancel automatic transactions until the automatic transaction cancellation period has passed;
enabling additional industry standard fraud detection rules and logic;
If a transaction remains unexpectedly unlocked for an extended period of time, changing the treatment of collection obligations and system intelligence data; The system described in item 17 that limits maximum liability by implementing transaction safeguards.
[Other possible items]
(Item 1)
A computer-implemented method for reducing waiting time when processing compensation payments to a user, the method comprising:
A computer processes data corresponding to the at least one advertiser's efforts from one or more computing devices of the at least one advertiser using the publisher system's processor and electronic network. receiving processed data having commission data including information of unfixed commissions associated with the efforts of one advertiser; a computer storing the processed data using a storage device and the processor of the publisher system; stages and
a computer receiving from a user device behavioral identifier data for identifying a purchase corresponding to the initiative of the at least one advertiser and a request signal requesting payment of a commission amount for the purchase;
A computer uses the processor of the publisher system to determine that the user device and one or more user accounts correspond to a registered user, and that the purchase identified by the behavioral identifier data confirming that one advertiser's efforts correspond to the processed data;
A computer uses the processor to fix a fee for the at least one advertiser, expiration of a refund period, pay the fee to the publisher system by the at least one advertiser, and perform the following steps by the at least one advertiser: prior to the point at which said processor performs processing relating to at least one of the group consisting of: payment of a commission to an affiliate network; paying the remuneration amount to one or more user accounts;
the computer receives one or more fixed commissions of the at least one advertiser from the at least one advertiser; the computer receives the one or more fixed commissions and the unfixed commission; and calculating the difference between the remuneration amount and the remuneration payment amount;
If the one or more fixed commissions of the at least one advertiser and the compensation payout amount are not equal, the computer makes one or more adjustments to the funds paid to the one or more user accounts. said processing data, profile data of registered users, and to limit the maximum liability of either the User or the Advertiser, in order to adjust by automatic two-way transfers and subsequently process additional remuneration payments in the future; updating system intelligence data used for
A computer-implemented method comprising:
(Item 2)
Said Registered User has designated financial services to make automatic two-way transfers and reconciled automatic two-way transfers, including debt transfers, to and from said one or more user accounts that are managed by a third party financial entity. a user who has consented and registered by providing data to the publisher system, profile data of the registered user, and device data corresponding to the user device; and/or
The one or more automated two-way transfers include one or more automated clearing house (ACH) transfers, and the one or more coordinating automated two-way transfers include one or more coordinating automated clearing house (ACH) transfers. ACH) including transfers, and/or
the computer adjusting funds disbursed to said one or more user accounts by one or more reconciling automatic two-way transfers, the computer additionally using an ACH transfer to transfer funds disbursed to said one or more user accounts; the funds paid into the plurality of user accounts in an amount that includes the difference between the one or more fixed fees and the reward payment amount for the purchase that has already been paid into the one or more user accounts; The computer-implemented method of item 1, comprising the step of making a refund to an account of an issuer system.
(Item 3)
the computer further using an ACH transfer to refund the funds paid to the one or more user accounts, the computer refunding the funds paid to the one or more user accounts; 3. The computer-implemented method of item 2, comprising returning all of the funds, or the computer returning only a portion of the funds paid to the one or more user accounts.
(Item 4)
the computer adjusting funds disbursed to said one or more user accounts by one or more reconciling automated two-way transfers, the computer reconciling funds paid to said one or more user accounts with pending unpaid reward payments for other purchases made by said user; The computer determines, by means of the one or more adjusting automatic two-way transfers, the one or more fixed fees and the reward for the purchase already paid into the one or more user accounts. The computer-implemented method according to item 1, comprising the step of reducing the amount by an amount including the difference from the payment amount.
(Item 5)
the computer adjusting funds disbursed to the one or more user accounts by one or more adjusting automatic two-way transfers, the computer adjusting the funds disbursed to the one or more user accounts by the one or more adjusting automatic two-way transfers; reduce the amount to be refunded of funds paid to said user corresponding to the amount of pending unpaid reward payments for other purchases made by said user, and then settle the repayment amount of the balance of the refund; 5. The computer-implemented method of item 4, comprising calculating pending and unpaid compensation payments in order to make a payment.
(Item 6)
The reason for the difference between the one or more fixed fees, the unfixed fees, and the amount of remuneration paid is as follows:
If the purchased item is specified for in-store pickup, the purchased item is not received by the user within one week;
said purchase is ineligible for reward payment;
that said User's payment method has been declined;
the user initiates a transaction cancellation;
the user performing a credit card chargeback for the purchase;
the user canceling the purchase;
said user modifying said purchase or order related thereto;
that said purchase has been refunded;
said user fraudulently making said purchase;
said user making said purchase using a stolen credit card; and
one or more of the group consisting of combinations thereof, and/or
The purchase is facilitated by the user clicking on a publisher link to activate tracking of the user's transaction behavior, and the processed data further comprises one or more transaction records of the advertiser. , the computer implementation method according to item 1.
(Item 7)
7. The computer-implemented method of item 6, wherein the processing data further comprises one or more additional transaction records of the advertiser having reports from the advertiser of the purchases.
(Item 8)
a computer receiving processing data from one or more computing devices of the at least one advertiser, the step of receiving processing data from one or more computing devices of the at least one advertiser, including at least one affiliate network; 8. The computer-implemented method of item 7, further comprising transferring data between.
(Item 9)
9. The purchase is facilitated by the user clicking on a publisher link, activating tracking of the user's trading behavior, and the publisher system redirecting the user to an affiliate network. Computer implementation method.
(Item 10)
The processing data includes an instruction for a change to the price of the purchase, an instruction for a change to the unfixed fee, an instruction for a change to the price of a fee, an instruction that the price is not modified because the fee for the purchase has been fixed, and a fee. one or more of the following: an instruction from the advertiser of the purchase, including at least one of the group consisting of: an indication that is a fixed fee; an instruction to pay the fixed fee; and combinations thereof. 10. The computer-implemented method of item 9, further comprising additional reporting.
(Item 11)
The publisher system includes a publisher website that allows the user to (i) request fulfillment of a reward, (ii) follow a link to advertiser content, and (iii) and (iv) providing user account data associated with the one or more user accounts, wherein the The User agrees to the terms and conditions for ACH Debt Transfers using said one or more User Accounts, and said User Account Data includes the User Account Number, the Bank Branch Code of the User Account, the User Account Type, the User Account further including one or more of the group consisting of location, user account financial entity, user account rules, user account constraints, user account unique identifier, user account access information, and combinations thereof; and /or,
The publisher system allows the user to (i) request fulfillment of a reward, (ii) follow a link to advertiser content, (iii) register for services provided by the publisher system, and ( iv) providing user account data associated with the one or more user accounts, wherein the user is configured to provide user account data associated with the one or more user accounts; agree to the provisions for one or more automatic two-way transfers, wherein the one or more user accounts are a first user account comprising a user credit card account or a user bank account that provides ACH debt transfer; , a computer adjusts funds paid to the one or more user accounts if the one or more fixed commissions and the compensation payout amount of the at least one advertiser are not equivalent; providing an ACH debt transfer, which is then used to update said processing data, profile data of registered users, and system intelligence data used to limit the maximum liability of either users or advertisers; a second user account comprising the user's credit card account or the user's bank account; and/or
The issuer system allows the user to select a delivery device containing one or more of the group consisting of gift cards, reward cards, checks, prizes, digital or cryptocurrencies, and customized issuer currencies. and providing user account data associated with the one or more user accounts used to receive reward payouts using the delivery device; wherein the computer uses the processor to pay the reward payment amount to the one or more user accounts by one or more automatic two-way transfers, the computer using the delivery device 2. The computer-implemented method of item 1, further comprising initiating alternative payment delivery to the user.
(Item 12)
A system for reducing waiting time when processing remuneration payments to users,
at least one processor, memory, and at least one storage device;
configured to analyze and transmit processed data corresponding to an initiative of at least one advertiser, the process data comprising commission data that includes information of an unfixed commission associated with the initiative of the at least one advertiser; at least one advertiser device of the at least one advertiser,
a user device configured to send to the processor behavioral identifier data for identifying a purchase corresponding to the initiative of the at least one advertiser; and a request signal requesting payment of a commission amount for the purchase; and,
a publisher website and electronic communications network configured for communication between the system, the at least one advertiser device, and the user device;
Here, the processor:
receiving and storing the processed data sent by the at least one advertiser device using the memory and the at least one storage device;
the user device and one or more user accounts correspond to a registered user; and the purchase identified by the behavioral identifier data corresponds to the engagement of the at least one advertiser and the processed data. , check
receiving one or more fixed commissions of the at least one advertiser from the at least one advertiser;
It is configured as follows,
fixing commissions of said at least one advertiser, expiration of a refund period, payment of commissions by said at least one advertiser to a publisher system, payment of commissions by said at least one advertiser to an affiliate network; a payment processor configured to pay a reward payment amount to a user account by one or more automatic two-way transfers in accordance with said processing data prior to the time of processing with respect to at least one of the group consisting of combinations; ,
calculating the difference between the one or more fixed commissions, the unfixed commission, and the commission payment; and calculating the difference between the one or more fixed commissions and the commission payment of the at least one advertiser an adjustment device configured to adjust funds paid to the one or more user accounts by one or more adjustment automatic two-way transfers if the amounts are not equal;
updating said processing data, profile data of registered users, and system intelligence data used to limit the maximum liability of either users or advertisers, in order to process additional compensation payouts in the future; An update device configured with
A system equipped with
(Item 13)
Said Registered User has designated financial services to make automatic two-way transfers and reconciled automatic two-way transfers, including debt transfers, to and from said one or more user accounts that are managed by a third party financial entity. a user who has consented and registered by providing data to the system, profile data of the registered user, and device data corresponding to the user device; and/or
The one or more automated two-way transfers include one or more automated clearing house (ACH) transfers, and the one or more coordinating automated two-way transfers include one or more coordinating automated clearing house (ACH) transfers. ACH) including transfers, and/or
Adjusting funds disbursed to said one or more user accounts by said one or more adjusting automatic two-way transfers may include all of the funds disbursed to said one or more user accounts, or said Only a portion of said funds paid into one or more user accounts may be additionally transferred to said one or more user accounts using ACH transfers with said one or more fixed fees and already transferred to said one or more user accounts. refunding funds paid to said one or more user accounts to said one or more user accounts in an amount including said difference between said reward payment amount for said paid purchases; adjusting by one or more adjusting automatic two-way transfers further comprises adjusting the amount of pending unpaid compensation payments for other purchases made by said user by said one or more adjusting automatic two-way transfers; , reduce the amount equal to the difference between the one or more fixed fees and the reward payment amount for the purchase that has already been paid into the one or more user accounts, and then reduce the balance of the refund. including calculating other pending compensation payments to settle repayments; and/or
The purchase is facilitated by the user clicking on a publisher link to activate tracking of the user's trading behavior, the system redirecting the user to an affiliate network, and the processing data further comprising one or more additional transaction records of the advertiser having reports from the advertiser; and/or
The system intelligence data is
limiting the number of transactions per user, per month, per advertiser and per account;
not authorize upfront compensation payments to users with whom you share a user account;
not authorize upfront commission payments to accommodate any advertiser with frequent cancellations or fixed commission differentials;
not authorize upfront compensation payments to any advertiser with an extended fixed term;
Delaying compensation payments to advertisers who frequently cancel automatic transactions until the automatic transaction cancellation period has passed;
enabling additional industry standard fraud detection rules and logic;
changing the treatment of collection obligations and said system intelligence data if transactions remain unexpectedly unfixed for an extended period; and
The system of item 12, wherein the system is used to limit the maximum liability of either a user or an advertiser by implementing a transaction security feature selected from one or more of the group consisting of combinations thereof. .

Claims (13)

A computer-implemented method for reducing waiting time when processing compensation payments to a user, the method comprising:
A computer processes data corresponding to the at least one advertiser's efforts from one or more computing devices of the at least one advertiser using the publisher system's processor and electronic network. receiving processed data having commission data including information of unfixed commissions associated with the efforts of one advertiser; a computer storing the processed data using a storage device and the processor of the publisher system ; stages and
a computer receiving from a user device behavioral identifier data for identifying a purchase corresponding to the initiative of the at least one advertiser and a request signal requesting payment of a commission amount for the purchase;
A computer uses the processor of the publisher system to determine that the user device and one or more user accounts correspond to a registered user, and that the purchase identified by the behavioral identifier data confirming that one advertiser's efforts correspond to the processed data;
A computer uses the processor to fix a fee for the at least one advertiser, expiration of a refund period, pay the fee to the publisher system by the at least one advertiser, and perform the following steps by the at least one advertiser: prior to the point at which said processor performs processing relating to at least one of the group consisting of: payment of a commission to an affiliate network; paying the remuneration amount to one or more user accounts;
the computer receives one or more fixed commissions of the at least one advertiser from the at least one advertiser ; the computer receives the one or more fixed commissions and the unfixed commission; and calculating the difference between the remuneration amount and the remuneration payment amount ;
If the one or more fixed commissions of the at least one advertiser and the compensation payout amount are not equal, the computer makes one or more adjustments to the funds paid to the one or more user accounts. said processing data, profile data of registered users , and limit the maximum liability of either the user or the advertiser, in order to adjust by automatic two-way transfers and subsequently process additional remuneration payments in the future; updating system intelligence data used to
A computer-implemented method comprising: Said Registered User has designated financial services to make automatic two-way transfers and reconciled automatic two-way transfers, including debt transfers, to and from said one or more user accounts that are managed by a third party financial entity. a user who has consented and registered by providing data to the publisher system , profile data of the registered user, and device data corresponding to the user device; and/or
The one or more automated two-way transfers include one or more automated clearing house (ACH) transfers , and the one or more coordinating automated two-way transfers include one or more coordinating automated clearing house (ACH) transfers. (ACH) includes transfers , and/or
the computer adjusting funds disbursed to said one or more user accounts by one or more coordinating automatic two-way transfers , the computer additionally using an ACH transfer to transfer funds disbursed to said one or more user accounts; the funds paid into the plurality of user accounts in an amount that includes the difference between the one or more fixed fees and the reward payment amount for the purchase that has already been paid into the one or more user accounts; 2. The computer-implemented method of claim 1, comprising the step of refunding the issuer system account. The step of the computer refunding the funds paid to the one or more user accounts using the additional ACH transfer includes the step of the computer refunding the funds paid to the one or more user accounts. 3. The computer-implemented method of claim 2, comprising returning all of the funds, or the computer returning only a portion of the funds paid to the one or more user accounts. the computer adjusting funds disbursed to said one or more user accounts by one or more reconciling automatic two-way transfers , including the step of adjusting funds disbursed to said one or more user accounts with respect to pending unpaid funds for other purchases made by said user; The computer transfers the amount of the reward payout to the one or more fixed fees and the purchases already paid to the one or more user accounts by the one or more adjusting automatic two-way transfers. The computer-implemented method according to claim 1, comprising the step of reducing the amount by an amount including the difference from the remuneration payment amount . the computer adjusting funds disbursed to the one or more user accounts by one or more adjusting automatic two-way transfers , the computer adjusting the funds disbursed to the one or more user accounts by one or more adjusting automatic two-way transfers; , reduce the amount to be refunded of funds paid to said user corresponding to the amount of pending unpaid reward payments for other purchases made by said user, and then reduce the amount to be refunded of the balance of the refund. 5. The computer-implemented method of claim 4, comprising calculating outstanding compensation payments pending for settlement . The reason for the difference between the one or more fixed fees, the unfixed fees , and the amount of remuneration paid is as follows:
If the purchased item is specified for in-store pickup, the purchased item is not received by the user within one week;
said purchase is ineligible for reward payment;
that said User's payment method has been declined ;
the user initiates a transaction cancellation;
the user performing a credit card chargeback for the purchase;
the user canceling the purchase;
said user modifying said purchase or order related thereto;
that said purchase has been refunded;
said user fraudulently making said purchase;
one or more of the group consisting of: the user making the purchase using a stolen credit card; and/or combinations thereof ;
The purchase is facilitated by the user clicking on a publisher link to activate tracking of the user's transaction behavior , and the processed data further comprises one or more transaction records of the advertiser. . The computer-implemented method of claim 1. 7. The computer-implemented method of claim 6, wherein the processing data further comprises one or more additional transaction records of the advertiser having reports from the advertiser of the purchases. a computer receiving processing data from one or more computing devices of the at least one advertiser, the step of receiving processing data from one or more computing devices of the at least one advertiser, including at least one affiliate network; 8. The computer-implemented method of claim 7, further comprising transferring data between. 9. The purchase is facilitated by the user clicking on a publisher link to activate tracking of the user's trading behavior and the publisher system redirecting the user to an affiliate network. Computer implementation method described. The processing data includes an instruction for a change to the price of the purchase, an instruction for a change to the unfixed fee, an instruction for a change to the price of a fee, an instruction that the price will not be modified because the fee for the purchase has been fixed ; one or more from the advertiser of the purchase, including at least one of the group consisting of an indication that the commission is a fixed commission, an instruction to pay the fixed commission, and combinations thereof; 10. The computer-implemented method of claim 9, further comprising additional reporting of. The publisher system includes a publisher website that allows the user to (i) request fulfillment of a reward; (ii) follow a link to advertiser content; and (iii) (iv) providing user account data associated with the one or more user accounts , wherein the The User agrees to the terms and conditions for ACH Debt Transfers using said one or more User Accounts, and said User Account Data includes the User Account Number, the Bank Branch Code of the User Account, the User Account Type, the User Account further including one or more of the group consisting of location, user account financial entity, user account rules, user account constraints, user account unique identifier, user account access information, and combinations thereof; and /or,
The publisher system allows the user to : (i) request fulfillment of a reward; (ii) follow a link to advertiser content; (iii) register for services provided by the publisher system ; iv) providing user account data associated with the one or more user accounts , wherein the user is configured to provide user account data associated with the one or more user accounts; agree to the provisions for one or more automatic two-way transfers , wherein the one or more user accounts are a first user account comprising a user credit card account or a user bank account that provides ACH debt transfer; , a computer adjusts funds paid to the one or more user accounts if the one or more fixed commissions and the compensation payout amount of the at least one advertiser are not equivalent; providing an ACH debt transfer , which is then used to update said processing data , profile data of registered users , and system intelligence data used to limit the maximum liability of either users or advertisers; a second user account comprising the user's credit card account or the user's bank account; and/or
The issuer system allows the user to select a delivery device containing one or more of the group consisting of gift cards, reward cards, checks, prizes, digital or cryptocurrencies, and customized issuer currencies. and providing user account data associated with the one or more user accounts used to receive reward payouts using the delivery device ; wherein the computer uses the processor to pay the reward payment amount to the one or more user accounts by one or more automatic two-way transfers , the computer using the delivery device 2. The computer-implemented method of claim 1, further comprising : initiating alternative payment delivery to the user. A system for reducing waiting time when processing remuneration payments to users,
at least one processor, memory, and at least one storage device;
analyzing and transmitting processed data corresponding to an initiative of at least one advertiser, the process data comprising commission data that includes information of an unfixed commission associated with the initiative of the at least one advertiser; at least one advertiser device of the at least one advertiser configured to
a user device configured to send to the processor behavioral identifier data for identifying a purchase corresponding to the initiative of the at least one advertiser ; and a request signal requesting payment of a commission amount for the purchase; and,
a publisher website and electronic communications network configured for communication between the system, the at least one advertiser device, and the user device;
Here, the processor:
receiving and storing the processed data sent by the at least one advertiser device using the memory and the at least one storage device;
the user device and one or more user accounts correspond to a registered user; and the purchase identified by the behavioral identifier data corresponds to the engagement of the at least one advertiser and the processed data. , check
configured to receive one or more fixed commissions of the at least one advertiser from the at least one advertiser;
fixing a commission of the at least one advertiser, expiration of a refund period, payment of a commission by the at least one advertiser to a publisher system, payment of a commission by the at least one advertiser to an affiliate network; a payment processor configured to pay a reward payment amount to a user's account by one or more automatic two-way transfers in accordance with said processing data prior to the time of processing for at least one of the group consisting of a combination of: and,
calculating the difference between the one or more fixed commissions , the unfixed commission , and the commission payment; and calculating the difference between the one or more fixed commissions and the commission payment of the at least one advertiser an adjustment device configured to adjust funds paid to the one or more user accounts by one or more adjustment automatic two-way transfers if the amounts are not equal;
updating said processing data , profile data of registered users , and system intelligence data used to limit the maximum liability of either users or advertisers, in order to process additional compensation payouts in the future; An update device configured with
A system equipped with Said Registered User has designated financial services to make automatic two-way transfers and reconciled automatic two-way transfers, including debt transfers, to and from said one or more user accounts that are managed by a third party financial entity. a user who has consented and registered by providing data to the system , profile data of the registered user, and device data corresponding to the user device; and /or
The one or more automated two-way transfers include one or more automated clearing house (ACH) transfers , and the one or more coordinating automated two-way transfers include one or more coordinating automated clearing house (ACH) transfers. (ACH) includes transfers , and/or
Reconciling funds disbursed to said one or more user accounts by said one or more reconciling automatic two-way transfers may include adjusting all of the funds disbursed to said one or more user accounts by or only a portion of said funds disbursed to said one or more user accounts, additionally using ACH transfer , said one or more fixed fees and said one or more user accounts. refunding funds paid to said one or more user accounts back to said publisher system account in an amount including said difference between said reward payment amount for said purchase already paid for; Adjusting by the one or more adjusting automatic two-way transfers further comprises transferring the amount of pending unpaid compensation payments for other purchases made by the user to the one or more adjusting automatic two-way transfers. the transfer reduces the amount by an amount comprising the difference between the one or more fixed fees and the reward payment amount for the purchase that has already been paid to the one or more user accounts, and then subtracts the refund; including calculating other pending compensation payments to clear the outstanding balance; and/or
The purchase is facilitated by the user clicking on a publisher link to activate tracking of the user's trading behavior, the system redirecting the user to an affiliate network, and the processed data further comprising one or more additional transaction records of said advertisers having reports from said advertisers of said advertisers; and/or
The system intelligence data is
limiting the number of transactions per user, per month, per advertiser and per account;
not authorize upfront compensation payments to users with whom you share a user account;
not authorize upfront commission payments to accommodate any advertiser with frequent cancellations or fixed commission differentials;
not authorize upfront compensation payments to any advertiser with an extended fixed term;
Delaying compensation payments to advertisers who frequently cancel automatic transactions until the automatic transaction cancellation period has passed;
enabling additional industry standard fraud detection rules and logic;
selecting from one or more of the group consisting of: changing the treatment of collection obligations and said system intelligence data if the transaction remains unexpectedly unfixed for an extended period of time; and combinations thereof; 13. The system of claim 12, wherein the system is used to limit maximum liability of either users and advertisers by implementing transaction security features .