SYSTEMS AND METHODS FOR USING INTERNET SERVICE CO-BRANDED FINANCIAL INSTRUMENTS

摘要

Financial Institution () Provider of p- Internet Service(s) (1200 Provider of ► Internet Service(s) 4: (120 2 ) r s i Provider of ► Internet Service(s) (120 n ) User 100 (140) Figure 1 O N co 00 O C (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 04 October 2018 (04.10.2018) W I PO I PC T omit VIII °nolo OH 0111010 010110111110 oimIE (10) International Publication Number WO 2018/183270 Al (51) International Patent Classification: G06Q 30/00 (2012.01) (21) International Application Number: PCT/US2018/024484 (22) International Filing Date: 27 March 2018 (27.03.2018) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 62/476,969 27 March 2017 (27.03.2017) US 15/935,479 26 March 2018 (26.03.2018) US (71) Applicant: JPMORGAN CHASE BANK, N.A. [US/US]; 270 Park Avenue, New York, NY 10017 (US). (72) Inventor: ZWEIG, Geoffrey, G.; c/o Jpmorgan Chase Bank, NA., 270 Park Avenue, New York, NY 10017 (US). (74) Agent: KING, Robert, A. et al.; Bunton and Williams LLP, 2200 Pennsylvania Ave, NW, Washington, DC 20037 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, (54) Title: SYSTEMS AND METHODS FOR USING INTERNET SERVICE CO-BRANDED FINANCIAL INSTRUMENTS (57) : Systems and methods for using Internet service co-branded fmancial instruments are disclosed. In one embodiment, a method for using Internet co- branded financial instruments may include: (1) a financial institution and a provider of an Internet service establishing a relationship, which may be a co- branded financial instrument, such as a credit card; (2) a user receiving the co- branded fmancial instrument; (3) the provider of the Internet service monitoring the user's Internet service use; (4) the provider of the Internet service may provide the user's Internet service use to the fmancial institution; (5) the fmancial institution issuing rewards to the user's account based on the Internet service use; (6) the financial institution may provide the provider of the Internet service with financial information for the user; and (7) the provider of the Internet service may charge an advertiser for ad placement based on the user financial information. [Continued on next page] WO 2018/183270 Al MIDEDIMOMMIONER1311111011010111MOVOIMIE EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))