Value system

Abstract

A value system of the present invention relates to emotional and value relationships according to pricing and attributes.

Description

[0001] This application is a divisional application of the application with PCT international application number PCT / US2018 / 044189, international application date July 27, 2018, Chinese national application number 201880050333.1, and titled “Value System”.

[0002] Cross-referenced applications

[0003] This application claims priority to U.S. Provisional Application No. 62 / 537,796 entitled “Value System”, U.S. Provisional Application No. 62 / 432,528 entitled “A Unique Pricing Engine” and U.S. Provisional Application No. 62 / 451,520 entitled “Secure Authentication and Financial Attribute Services”. And this application is a continuation-in-part of PCT / US18 / 15,401 entitled “Secure Authentication and Financial Attribute Services” and PCT / US17 / 65,313 entitled “A Unique Pricing Engine”. The entire contents of these applications are incorporated herein by reference. Technical Field

[0004] Value systems seek to relate logic, cause, effect, value, and explanation in numerically relevant ways. In this sense, numerical relevance includes things like monetary value and numerical representations of quantifiable relations and inequalities, such as space, coordinates, values, evaluations, comparison purposes, and their representation in bits and qubits. However, value refers to value in quantifiable relations as well as value in meaningful relations or definable relations. Value systems also express the relations between logic, cause, effect, value, and explanation in quantifiable and / or definable terms.

[0005] There are many methods for generating custom pricing in the market. However, there is a lack of a method to provide unique pricing for products and services based on the customer. However, custom pricing aims to provide customized prices to customers based on strategies determined by inventory, volume discounts, supply chain costs, pricing plans, segment plans, category plans, pricing tables, and coupons. Such pricing can be referred to as custom, personalized, customized, optimized, smart, group, sale, markup, markdown, adjustment, discount, dynamic, and / or preferred pricing. In contrast, unique pricing provides customers with a single price for products and services. Background Art

[0006] Existing relevant logical measures and value causes are usually attributed to formal systems and, to some extent, to probabilistic models. Conventionally, first- and second-order relations of cause and effect and their associations are used to determine the roles and relationships between causes and their values. While historically the meaning of the terms “source of action” and “human motivation” remained in the realm of reason and emotion, the complexity of human action has been associated with additional terminology that can be confused from formal and probabilistic analyses. Furthermore, analyses conducted with deterministic systems are also limited by the terms used to articulate, characterize, describe, and explain. Thus, the philosophical and numerical procedures used to determine them are hampered by the terms and concepts used to convey the logic, meaning, and value of effects and causes, and the interpretation between them.

[0007] Another way to cite the existing puzzle is to trouble the attempt to relate human actions to purely deterministic probabilistic and materialist forms, for example, to the analytical systems used to explain them. For example, formal systems usually rely on the structures of thought implemented in order to express them. That is, on the one hand, hierarchical structures such as the analysis of measurement, metric comparison, Linnaean classification, whole-part and metaphysical relations. On the other hand, discursive and declarative processes for relating truth, emotion, feeling, meaning, value through communication and expressive relations. These processes rely on logic and forms of proof that are indeterminate and insensitive to parameters that are not disclosed according to the terms of their relational systems.

[0008] Moreover, formal systems are generally limited to what they know, and for systems that rely on rote formalism and probability to describe and relate human logic, cause, effect, and value, discovering what is unknown is quite difficult. An intelligent human observer who does not know that he / she is color blind is not aware that he / she cannot observe the color red or green (as the case may be). Such a person needs another device to filter the red or green in order to see the colored contrast and recognize the difference between two colors that are otherwise easily visible to an unaided intelligent observer. For an observer who cannot see red or green, the color name used to describe the color that person sees may indeed reflect what he / she is able to see, but does not describe the fact that she / he cannot perceive the ordinary view without visual aids. Therefore, a person does not know the specific terms that he / she does not understand.

[0009] While the process of referring to formalisms and probabilistic systems can, within a certain range, refer to things that are usually unknown, the purpose of value systems is to define a method to determine the details of things that are unknown and unknowable without other equipment. Such things are often referred to in the form of fuzzy logic, membership functions, game theory, chicken and egg, prisoner's dilemma, traveling salesman, etc. Some other ways may refer to constrained-unconstrained, completeness-incompleteness, certainty, uncertainty and other dichotomies that try their best to explain observations about complex systems. Other methods point to the characteristics of systems in one way or another, with reference to so-called "hidden variables" or deep systems as subordinate experiences, egos, sexual desires, subconsciousness, etc. Thus, value systems aim to shed light on comprehensive and complex systems.

[0010] Here we are interested in providing a computational structure that allows the complex terms governing the relationships between logic, cause, effect, value and interpretation to be articulated in a quantifiable and definable way. The definable means may be numbers, colors, prices, data and structures. The definable means may be feelings, emotions, sensations, sensitivities and emotions. Interpretation is therefore concerned with the determination between and among terms that are at least to some extent quantifiable and at least to some extent definable. Humans and artificial systems in general contain such relationships. Interpretation involves the means of expressing and representing definable and quantifiable ways through their relationships. The purpose of value systems is to determine and discover the ways in which these terms are related. Interpretation is therefore concerned with the means of relating the meaning of one communication system to the meaning of another communication system and therefore also includes, for example, representation, translation, transcription, conversion and exchange. Summary of the invention

[0011] Value systems determine how quantifiable and quantifiable attributes, properties, and states are quantified and explained between and among them. The most useful example of doing this, i.e. explaining impact and value in terms of logic and reason, and vice versa, is to implement a system that digitizes every state. The present invention is directed to systems that clarify the ambiguous, vague, undescribed, uncertain, and / or partially understood. Another approach proposed for using value systems is as an explanatory connector between and among logical systems, such as essentialism-existentialism, rationalism-empiricism, and absolutism-perspectiveism. The system herein contains a set of useful resources for completing the processes required to obtain these results, as well as a detailed disclosure of the systems that can be used to produce such results in terms of monetary value. In other words, the goal of the value system is at least in part to resolve the unknown.

[0012] Statistical, probabilistic, inferential, interpolation and extrapolation processes may be used to determine associations and correlations between and among data points, including, for example, causal relationships, steps, translations, sets and temporal and causal ordering. The examples and embodiments contained herein should not be construed as implicitly or explicitly limiting.

[0013] The following description of the accompanying drawings illustrates embodiments of further preferred and illustrative devices, interfaces, methods and systems for secure authentication of identification data and financial attribute services. The following embodiments are meant for illustrative purposes and are not intended to limit the scope or breadth of the contemplated invention.

[0014] List of Figures

[0015] Figure 1 General Rules for Donations

[0016] Figure 2 Is the attribute address.

[0017] Figure 3 It’s the search process.

[0018] Figure 4 It is the scheduling process that uses the pricing engine. Figure 5 Is the pricing engine data attribute.

[0019] Figure 6 Is the payment assembly rover flow chart.

[0020] Figure 7 Is the compilation payment.

[0021] Figure 8 It’s the donation process.

[0022] Fig. 9 It is the search interface.

[0023] Figure 10 shows the database relationship.

[0024] discuss

[0025] The dataset shows the relationship between prices based on individual attributes explained through resource buffers. A representation of summaries. Prices are displayed based on these and based on the selections made by individuals (members) based on the amount they wish to donate and the prices displayed based on the member index. The set price per participant represents how part of the price is determined based on the participation rate. The participation rate follows the logic based on which country the provider is from and which country the member is from. A summary of value and impact is explained to quickly display search data to members.

[0026] The Member Index is determined based on verified income data corresponding to the Member's financial data. Weights are given to the personal data provided by the Member. A table of counts based on value is used to determine the raw index weights, and the Member Index is then further adjusted based on the results of the process of verifying the financial information and personal attributes from which the Member selects. Responses to the fields, as described herein, are used to determine the Member Index.

[0027] Various combinations of prices are displayed for the member based on financial attributes and other personal data. Form processing where the member enters data corresponding to financial information. This data is used to determine the member index based on the member index calculation. Specific to the member's own ethnicity. Responses to one or more of these fields affect the member index and the member price displayed as bookable prices. Specific to the member's own denomination. Responses to one or more of these fields affect the member index and the member price displayed as bookable prices. Member sample data showing the member's attribute data.

[0028] General rules for contributions. Providing logic rules and options for individuals to make financial contributions and choose to provide that financial contribution to the Member at the time of booking. Program rules and functional attributes that determine the resource buffer. Sales tax rates used to calculate sales tax amounts calculated based on Member or Provider reservations. Data and information displayed to one or more Members and Providers. Websites that display Member and Provider profile information and make reservations and payments. Preferred Embodiments

[0029] Application for planning, managing services and calculating unique prices for reservations. Public users can search for services; view services; view profiles of service providers and their reviews. They can also register to become a member or service provider. Members can search for services; book services; send emails to service providers; view all booked services; cancel services and view / update their profile information. Service providers can search; view their own services; add new services; create availability; view all reservations; view member profiles; view their own profile and reviews. Admins can view / update member profiles; view / update service provider profiles; view booked services; view payment transactions; transfer amounts and view cancellation reports.

[0030] Figure 1 It is the general rule for donations. It provides logical rules and options for individuals to make a financial contribution and choose to provide that financial contribution to members at the time of booking.

[0031] Figure 2 is the attribute address. An address assigned to each individual attribute. These addresses are used to efficiently reference data corresponding to members and aggregation buffers. The addresses of attributes are useful in the process of compiling summaries of value and numeric status. The summaries are further useful in preprocessing data for fast display and fast sorting.

[0032] Figure 3 It is a search process. A flow chart showing a search and display platform serving multiple websites as well as members and providers.

[0033] Figure 4 It is a scheduling process using a pricing engine. A flowchart showing the possible display of prices based on data provided by a member provider based on personal attributes. A flowchart.

[0034] Figure 5 Is a pricing engine data attribute. An addressable attribute that can be used to provide a numerical interpretation of impact and value.

[0035] Figure 6 Is Payment Compilation Rover Flowchart. A process of bundling payments that combines one or more funding sources into one payment for a purchase transaction.

[0036] Figure 7 It is a payment compilation process that bundles the payment as a payment.

[0037] Figure 8 Is the donation process. The process by which members make rules based on the impact and value of the aggregate buffer. Rules are addressable. Rules are useful for combining payments to be bundled.

[0038] Fig. 9 A search interface that displays explanatory data based on one or more addressable attribute and value combinations.

[0039] Figure 10 shows the database relationship.

[0040] Appendix 1 A Unique Pricing Engine

[0041] The unique pricing engine generates pricing for a product or service based on customer-specific information used to calculate a unique price. In addition, manufacturers, merchants, wholesalers, producers, retailers, and suppliers can also provide unique prices to provide a competitive advantage for their products and services. That is, providing a cost buffer allows the unique price paid by the customer to be lower than the price of competitors. The unique pricing engine can hold cost buffer resources to subsidize the price for the customer. In addition, the cost buffer resources are provided with resources that can be monetized and reduce the price paid by the customer. Such resources that provide cost buffers include, but are not limited to, automated barter goods and services, optional prices that are covered for customers who choose performance pricing strategies, credit systems that calculate sales for rewards, volume cost derivatives, and through direct monetary contributions. Resource buffer resources allow the engine to set pricing points that are generated based on the expected range of merchant services. The unique price presented to the customer may be higher or lower than the custom price.

[0042] In a preferred embodiment, a unique pricing engine generates a unique product price or service price for a customer of a product or service. The price provided to the customer is calculated based on the parameters set by the manufacturer, merchant, wholesaler, producer, retailer and supplier and the customer. The parameters set by the customer include, for example, the cost of living, the standard of living, the local standard, the overall standard, the family situation, the marital status, the education level, the amount of time, the time of the day, the availability, the daily allowance, the income level, the tax bracket, the zip code, the extended zip code, the transaction volume, the profit margin and the charitable donation option. The parameters can also be set on behalf of the customer, and vice versa. In some cases, the supplier of the product or service can set the same or similar parameters. The customer can be an individual, a collective, a cooperative, a group or a legal entity, such as a company. The indicators set by the entity customer or provider include, for example, actuarial indicators, customer analysis, market discounts, tariffs, surge tax credits, tax strategies, investment strategies, transaction quantities, pricing agreements, inventory, supply, demand, transaction costs, advertising analysis, performance analysis, click indicators, etc.

[0043] The unique pricing engine allows manufacturers, merchants, wholesalers, producers, retailers and suppliers to set their own costs. The above systems for determining such price customization, personalization, customization, optimization, markup, markdown, adjustment, discount, dynamic and / or priority pricing can provide their settings. Although the pricing system can also take into account the unique pricing generated by the engine. The purpose of the unique pricing engine is to provide customers and manufacturers, merchants, wholesalers, producers, retailers and suppliers with a competitive advantage. The benefits of the engine include increased turnover, marketing incentives, brand recognition, improvement of social welfare and strategic development of brands.

[0044] The unique pricing engine can be preferably configured through a graphical user interface that allows the customer to set factors for generating unique prices. The customer creates an account and registers their personal identification information. The interface provides the customer with input areas to specify public, sensitive and / or private information. For example, the customer enters name, age, marital status, number of children, tax range, taxable income, education level and zip code. The engine collects personal information, quantitative information and statistical information related to the customer, street, city and state. More detailed information can also be provided based on tax bills, liens, debt accounts, credit reports, credit scores, driver's licenses, insurance history, background checks, behavioral indicators, click history records and other data indicators that can express the customer's background, resources, identity and habits in the form of parameters. These detailed data about customers are used to calibrate the customer's purchasing power for a given product.

[0045] In a preferred embodiment, a user registers at a digital interface to a unique pricing engine and provides data in an input area. Parameters are used to determine a variable pricing index. The index is generated using the data in the input area. For example, a customer with a large family with an income comparable to the national average may have an index greater than a set pricing threshold. The set pricing threshold may be a simple price of the item for sale before calculating taxes, shipping fees, handling fees, and / or connection fees. The set pricing threshold can be used to allow a customer or provider to request a price engine change, set price limits, redisplay prices with or without fees, price bidding, peer group consolidation purchases, group purchases, volume discounts, surge prices, increase / decrease gift levels, and preferred purchase positions. The customer index can then be used to reduce the price of a product. Another customer may have an income above the national average and fewer dependents. In this case, the customer index will increase the price paid for the product. The price paid may be higher or lower than the benchmark price set by the provider. A resource buffer account can be debited or credited based on the price paid by the customer for the product or service. The customer's input factors are used to calculate the weights, coefficients, variables, or digital factors of the pricing index based on the customer's purchasing power, local standard payment ability, risk factors, and customer history. Additionally, pricing indices can be generated based on aggregate standards, socioeconomic statistics, demographics, housing indicators, or other sources of non-personal data that can be used to further determine or float the unique price that a customer pays for a product or service.

[0046] The customer pricing index can be a multiplication factor or denominator value that allows the price of a product to be determined based on unique personal identifying information. The numbers entered into these fields can increase or decrease the variable pricing index. The engine can implement multiple pricing indices for a customer based on the cost of the product. These data inputs can be stored in an account, portable data device, chip card, magnetic stripe card, or can be entered on demand. The data can be stored and accessed when needed, only once, or a set number of times.

[0047] A provider such as a manufacturer, merchant, wholesaler, producer, retailer, seller, supplier or service provider registers data input related to the price of a product or service. The data may be a base price for a product. The pricing data may be determined according to the above method and system, which calculates the price based on customized, personalized, customized, optimized, marked up, marked down, adjusted, discounted, dynamic and / or preferred pricing. The base price may be determined based on inventory, volume discounts, supply chain costs and pricing plans. In addition, the supplier may input similar or identical information provided by the customer in order to determine the supplier pricing index. The supplier pricing index may be determined for an individual or entity. The pricing index may be increased or decreased based on the supplier's sales capacity, local standard payment capacity, advertising, sales and marketing, incentives, risk factors and sales history.

[0048] For service providers, the Vendor Pricing Index allows individuals and entities to raise or lower prices for products or services based on name, age, marital status, number of children, tax bracket, taxable income, education level, and zip code. More detailed information can also be provided based on tax bills, liens, debt accounts, credit reports, credit scores, driver's licenses, insurance history, background checks, behavioral indicators, click history, and other data indicators that can express the customer's background, resources, identity, and habits in the form of parameters.

[0049] The supplier pricing index can be a multiplication factor or denominator value that allows the product price to be determined based on unique personal identification information. The number of data entered into these fields can increase or decrease the variable pricing index. The engine can implement multiple pricing indices for suppliers based on the cost of the product. These data inputs can be stored in an account, portable data device, chip card, magnetic stripe card, or can be entered on demand. The data can be stored and accessed when needed, only once, or a set number of times.

[0050] The unique pricing engine may be accessed through a graphical user interface on a third-party website, through an application protocol interface (API) that integrates functionality into an existing website, through a back-end computing system that generates custom pricing, or through a portable payment device for a point-of-sale system or as a point-of-purchase system. The point-of-purchase system processes sales on behalf of the seller to one or more sellers, manufacturers, merchants, wholesalers, producers, retailers, and suppliers. Such a portable payment device, purchase card, or point-of-purchase device may also include a smartphone, credit card, push-button payment system, or click channel that executes, initiates, connects, or completes transactions for sales, orders, refunds, automated clearing houses, or any such merchant transactions. In another preferred embodiment, the unique pricing engine is a computing layer called by an API that can be instantiated at any point in the purchase-sale transaction sequence starting with raw materials and completed in product delivery. The unique pricing engine may also preferably be a computing layer called by an API that can be instantiated at any point or points in the purchase service transaction sequence starting with the initiation of a service request and completing the service rendering.

[0051] The unique pricing engine can be implemented in such a way that a resource buffer is maintained for a specific individual, entity, or common between individuals and / or entities. For example, a large product seller can instantiate one or more resource buffers to allocate funds from the same product category or another product category. Larger sellers can increase prices based on market demand to offset costs in other product or service areas. In contrast, resource buffers are available to customers who meet certain parameter criteria, rather than providing access to resources that can be used as coupons. In this case, the parameter criteria can be a set of personal financial information, such as taxable income, living standards, living expenses, and family status. One use of the engine is to subsidize the cost of major products that customers may not be able to afford. Major products can be easily subsidized, such as paper products, disposables, food, commodities, and sundries. Large sellers or products can provide resources to the buffer from manufacturers, internal purchase incentives, through government subsidies, and direct contributions from other customers.

[0052] Resource buffers may be implemented through standard bank accounting systems, automated clearing houses, point of sale systems, user interfaces, and / or bank APIs. Resource buffers may be maintained within, accessed through, or external to the unique pricing engine's user interface. Numerous buffers may be used for various products or services at the discretion of the vendor or customer. Resource buffers may also be implemented by the customer to budget expenditures. Resource buffers may be used to provide parent and guardian controls, provide subsidized resources, and track expenses and / or purchases.

[0053] The supply and demand of resources in the resource buffer can be provided by purchasing durable goods and property and contract assets. Non-profit organizations, municipalities, religious groups and / or government agencies can organize funds for customers in specific zip codes and demographics to subsidize specific product purchases or services. Products do not have to be limited to major products and commodities. For-profit organizations can provide a portion of their revenue from profits, advertising revenue, revenue and investment income to the resource buffer. In an exemplary embodiment, retailers can integrate a unique pricing engine into their point of sale system, implement the unique pricing engine as a point of purchase system, implement a cloud system for accessing the unique pricing engine, and / or implement a portable purchase device that generates a unique price for products and services at checkout. The unique pricing engine in this preferred embodiment is not the average retail price of the product, but generates a price for each product based on the customer's resources. Organizations that provide resource buffers will find it advantageous to attract customers to visit retail websites, websites or through brand recognition to provide support for customers whose resources are limited to varying degrees. Implementing a unique pricing engine can increase click-through conversion rates. Similarly, manufacturers, merchants, wholesalers, producers and suppliers can implement engines and / or buffers. Service providers may implement engines and / or buffers for social services, internet services, cable services, delivery services, transportation services, subscriptions, insurance services, mental health services, physical health services, housing services, and general health services.

[0054] In another preferred embodiment, a unique pricing engine can be used to provide a unique price to a customer based on an aggregate, measured, projected, predicted, behavioral, or set parameter. In a preferred embodiment, a product seller offers customers the option to purchase at a price point that is higher than the average price or a customized price. Customers may have personal motivations to contribute to the benefit of others in a selfless or philanthropic manner. Product sellers can create a fund collected for an altruistic price that covers the highest marginal price compensation paid by customers who may not be able to purchase the product or as much of the product as possible for the customer's resource buffer. Product sellers can create a charitable fund to collect donations and gifts on behalf of people with resource constraints, including poor means, fixed income, limited income, disability, autism, or other situations that prevent people from earning or producing at a level that guarantees their own welfare. Similarly, service organizations can also use resource buffers to collect resources, distribute, reallocate, and / or subsidize service costs based on customer settings.

[0055] A preferred digital system embodiment of the unique pricing engine also includes a portable payment device, a pricing index and / or connection to a server or cloud system housed in a data card with input data from a customer. The device can be a smart phone, a credit card, a chip card, or a mobile point-of-sale device. The payment device can also have a resource buffer. The point-of-sale device can be linked to a server or inventory system containing an itemized record of goods or products. The point-of-sale device communicates with the portable payment device to generate a unique price for the purchased product. In order to calculate a unique single price or multiple prices, the point-of-sale device communicates with the unique pricing engine through a computer, server, or cloud system. The engine can be implemented as an automatic clearing house that reconciles accounts with payment and resource buffers for sold products. The engine can communicate with a batch processing system to reconcile accounts for sold products and resource buffers. The unique pricing engine can include account numbers and routing numbers for banks and / or credit card systems. The cloud system can communicate with the unique pricing engine, one or more resource buffers, a virtual point-of-sale system, a portable payment device, and a merchant payment account as a host or through an API.

[0056] Digital systems can also be implemented for services and combinations of products and services. For example, a customer can use a resource card or reference card instead of a credit card to pay for a service. A resource buffer or buffer can be linked to the card to determine a unique price for the service. The buffer can be linked to an insurance cost matrix, a lookup table, actuarial calculations, plan coverage, etc. to calculate price reductions based on the insurance package. The buffer can be linked to a health savings account to calculate the expenses covered by insurance or the expenses that can be tax deductible and the expenses that cannot be tax deductible. In this case, the unique pricing engine acts as an intermediary between the customer, the insurance plan / company, and the service provider to determine costs accordingly, process transactions, and credit and debit resource accounts. The digital system can communicate with an application programming interface to access a credit transaction system to process payments from one or more accounts and / or resource buffers. Customers can access a user interface to track purchases, accounting, tax deductions, and credit / debit their resource buffers. Insurance companies can be private companies or public government organizations, such as Medicare, Medicaid, or Social Security. Insurance companies can provide buffer resources, government funds, gifts, loyalty points, rewards, cash rewards, etc. from third-party sources, and resource buffers can be used to motivate insurance companies to reward customers for maintaining good health or performing good records. Resource buffers can be associated with biometrics and health maintenance programs. Performance records can be associated with health, driving, auto insurance, homeowner insurance, and bundled services. A unique pricing engine acts as an interface between one or more insurance, provider agents, customers, service providers, suppliers, parents, and caregivers.

[0057] Merchant preferred embodiments allow sellers to expand the customer's audience, incentive structure, advertising revenue and programs designed to help customers. The seller implements a digital system as defined above. The portal allows the seller to provide customers with a unique price for each product or service provided. Customers can enter settings into their seller account for the unique pricing engine. Sellers can link customer accounts to the central unique pricing engine interface. Sellers can implement one or more resource buffers. Resource buffers can be turned on based on product lines, brands, categories, manufacturers or suppliers. Resource buffers can be turned on for advertising purposes, which is to pay or give resources for products in order to generate a unique price specific to each customer. In order to fine-tune the amount from the provided resource buffer to reduce the purchase price of a product or service, a customer pricing index may be useful.

[0058] To offset prices above the benchmark price in order to collect the highest profit from product purchases for setting subsidized purchases based on pricing inputs for specific customers, customer pricing indices may be useful. Sellers can automatically provide resource buffers based on purchase history, volume pricing, click analysis, navigation cookies, advertising resources, sales and incentive programs. Unique pricing engines attract customers to view their unique prices. The services provided by the unique pricing engine facilitate sales and marketing for the common good, charitable purposes and / or human benefit. Sellers can use one or more revenue sources of tax deductibles, charitable donations, third-party contributions and resource buffers. Sellers can develop provider pricing indices based on the desired thresholds and levels of pricing points. Sellers can develop customer pricing indices based on the desired thresholds and levels of pricing points. Sellers and product representatives can develop special indices for partnerships, seasonal sales, incentives, volume derivatives and / or package bundling. Sellers can provide incentives for streamlined production, integrated supply chain, advantageous position, country of origin, trade standards, manufacturing standards and production indicators of pricing indices and resource buffers. Sellers develop brand recognition and public trust through the use of engines, buffers and indices.

[0059] The unique pricing engine receives input from customers and product providers (e.g., sellers). Pricing indices for customers and sellers are determined based on the input. One or more resource buffers for customers and sellers include monetary resources that buffer the difference between the seller's price and the unique price paid by the customer. The unique pricing engine uses the one or more resource buffers to determine a unique price for one or more products. The unique price is displayed to the customer. The unique price may be greater or less than the price set by the provider. Product purchase transactions are processed for the customer based on the unique price of the one or more products. After the customer purchases the one or more products, the resource buffer is then credited and / or debited accordingly.

[0060] Graphical User Interface. An exemplary graphical user interface for client, service provider, and provider input. The input is used to determine a pricing index for a client, service provider, and / or provider. The input may include one or more of the following quantitative parameters, as well as other quantitative parameters that uniquely distinguish a client, provider, and / or service provider.

[0061] A digital system implementing a unique pricing engine. A customer has a shopping cart that includes items for purchase. A purchase card is presented to a point of sale system to make the purchase. Alternatively, a sales card is presented to a point of purchase system for sale of one or more products to one or more vendors, manufacturers, merchants, wholesalers, producers, retailers, and suppliers. The point of sale device decides on the use of the card, sends the product SKU and customer identifier to a unique pricing engine implemented in the cloud. The engine responds with a unique price list based on one or more pricing indexes and / or thresholds. A product purchase transaction is processed for the customer based on the unique price of the one or more products. After the customer purchases the one or more products, a resource buffer is then credited and / or debited accordingly.

[0062] A standard merchant seller website and a merchant seller implementing a unique pricing engine. The standard seller website displays prices based on a standard price, such as a national standard price for products and / or services purchased in the United States. The customer selects the products to be purchased including taxes and shipping costs and enters the point of sale system to purchase. The merchant seller implementing the unique pricing engine application programming interface (API) provides a customer login. After logging into the seller website, the unique pricing engine provides the website with customer index and resource buffer data to determine a unique price for one or more products for the customer. Alternatively, the seller website can provide the pricing engine with product SKU numbers and pricing information and receive a unique price for one or more products and / or one or more services. The customer selects one or more products and / or one or more services to purchase. The product purchase transaction is processed for the customer based on the unique price of the one or more products. After the customer purchases the one or more products, the resource buffer is then credited and / or debited accordingly.

[0063] Appendix 2 Financial Attribute Services

[0064] Secure identity authentication begins by receiving an identification number for an individual or entity. The identification number or record is stored in a data storage device. A customer identification number may be a social security number. An entity's identification number may be an employer identification number. The data storage device may be in the form of a solid-state device, or it may also be a device on a network, such as the Internet, an intranet, an extranet, a deep web, and / or a cloud. The identification record is stored in a memory device that can be accessed by a processor. The processor may perform at least basic operations, such as comparisons and calculations. The processor is interfaced with the data storage device to retrieve at least a portion of the identification record (such as a number).

[0065] For each specific identification number, the record also stores a reference number that the customer uses to reference the identity record. In this example, the identification number may be a social security number. The reference number includes a portion that the customer can use to apply for and fill out forms, rather than a social security number. The reference number may include static and / or dynamic portions. The reference number may mask or encrypt the identification number. The data record includes characteristics at least equivalent to the identity of the identified person.

[0066] The processor receives a reference number in order to authenticate the identity of the customer. The processor also receives identification information about the person's identity. The identification information may include public and / or private information. The identification information may request authentication upon receipt, or based on a desired time difference. Public identification information may include an address, phone number, or any type of information available on public records. Private identification information may include features that identify the customer privately, such as biographical details, taxable income, and / or personal information. The identification information may also include private verification protocols via phone number, text message, fingerprint, or other unique reference identifier or authentication protocol.

[0067] The customer can control access to the identification number using the desired method of providing accompanying identification information. The customer can provide settings for the availability of access identification numbers for verification purposes. Settings can include: number of accesses, access times, location addresses, entity permissions, rendezvous times, repeat access, and / or desired rules for customizing the security level of the customer identification number.

[0068] The customer may be notified of the authentication request via a digital interface, such as via a telephone prompt, SMS text, email, voicemail, or other notification of an alert or request to access private identifiable information.

[0069] The Processor receives public and / or private identifying information from the Client and / or third parties. The Client provides identifying information to the Processor and / or data record.

[0070] The customer provides identification information from an interface having connectivity through the Internet, an intranet, an extranet, the cloud, solid state memory, a chip, a physical input to a node, or a non-electronic input method.

[0071] The identification information may be stored in a data record with an identification number and a reference number, or may be stored in another memory port that is accessible to the processor or from which the processor receives data.

[0072] The size of such memory can range from one bit or less, a chip card, an identification card, to a macro memory device such as a drive, a shared resource, or a network resource such as a cloud.

[0073] The information may be recorded and / or stored in any manner that allows the processor to receive the information or request the information when queried to verify the identity of the client. The data transmission to, from, with, with, and between the processor and memory may be performed in any desired protocol such as secure channels, private key encryption, integrated circuits, and non-electronic transmissions.

[0074] The Processor receives the Customer's public and / or private identifying information from a third party.

[0075] A third party provides information or requests information on behalf of a client. A client may provide consent or authorization for identification authentication. A client may provide a static or dynamic reference code to authorize authentication.

[0076] Customers may provide rules or settings to control access to the authentication protocol.

[0077] Authentication may require input from the client to complete the authentication request. The processor receives or retrieves components of the authentication request from the client and third parties.

[0078] The processor then performs the process of verifying the customer's identity based on the data provided.

[0079] The processor may be encrypted, secure, private, distributed, quantum, wrapped, mapped, deconvolved, or encrypted.

[0080] For example, the third party may provide the customer's physical address, telephone address, name, and zip code. The customer may be notified that the third party is requesting authentication. The processor retrieves data from one or more memory records using the identification data, or provides data to the processor. Authentication of identity is accomplished by any practice of checking, verifying, convolving, or comparing the validity of data and / or matching the value of data. The processor responds to the request to verify identity with a binary response, such as yes / no and a condition, state, request, bit, code, quantity, and / or data provision. The response may further cause additional requests and data transfers.

[0081] The processor's response to the authentication request provides a method for the system to respond to the authentication of the customer's identity in a multi-valent manner. The multi-valent response allows the authentication to respond with a confirmation of identity as well as a more complex response. Examples of complex multi-valent responses include: provisional authentication, authentication with an indication, authentication with a request, and / or negative authentication with one or more error codes. Error codes can indicate data mismatch, missing data, suspect data, and proprietary tags. In addition, the authentication response or its negation can additionally add payment increments, fees, charges, and / or tokens.

[0082] A third party may request various levels of information authentication, which may include a fee structure, depending on the level of detail. A third party may require: a superficial match of a social security reference with respect to an address match; a historical match with respect to purchases and debts; a more extensive background check that cross-checks individual accounts with detailed details; or an exhaustive investigation that reveals the results of a thorough examination of all of the customer's personal and financial records. Thus, a customer's data records may also include: data used for and / or access to public and private records, including financial attributes such as credit reports, tax returns, court records, medical records, and / or any type of record involving, depending on, referencing, or associated with the identity of an individual and / or entity. A third party may also transmit data to or with an authentication request before or after the authentication request.

[0083] The services and practices for identity authentication may be provided through a computer or digital system. The interface for the client's processor may be an Internet website, wireless connection, automatic programming interface (API), automated clean room, batch processing, secure socket, direct coding and / or software call. The client may enter data through an artificial memory interface, which is assisted by a node, terminal, website and / or computer interface. The interface may include: a physical component that is transmitted or shipped to or from the client.

[0084] The physical interface may include a solid-state memory device that may be accessible only once, a limited number of times, or an unlimited number of times to record the client's personal data. The personal data may include: social security number, account number, biometric data, and / or biographical information. A physical-digital interface may be provided to the client to input the data in alphanumeric, digital, audio, electromagnetic, and / or frequency input. The interface may be sent to and received from the client. Data from the interface may be recorded on, in, through, and / or encoded into a data storage record. The processor may access the data record directly or indirectly. The memory device may include a processor connected to the authentication request processor, or may be accessed by another processor that is interpreted between the processors.

[0085] The data storage device may be inaccessible to the signal or render the electronic signal inaccessible. The processor accessing the data storage device may be inaccessible to the electronic signal or render the electronic signal inaccessible. The processor retrieving data from the data storage device may include: a detector or sensor that sends and / or receives signals in optical, wavelength, electromagnetic, molecular compound, combination, thermal and / or structural form. The digital device receives and / or sends data signals in optical, wavelength, electromagnetic, molecular compound, combination, thermal and / or structural form.

[0086] Memory device and / or processor can receive electronic signal, and then make electronic signal inaccessible.Memory device and / or processor can receive electronic signal, and then make electronic signal inaccessible.Memory device can be made inaccessible, so as to protect data from electronic reading and / or writing.Memory device can undergo physical, chemical, structural, crystallographic, electrical, thermal and / or phase transition.Data can be stored, written, encoded and / or incorporated into or combined with physical, chemical, structural, crystallographic, electrical, electronic, optical, thermal and / or phase material.Memory device and / or processor can be made inaccessible to electronic signal and become accessible to electronic signal.Equipment or processor can be made accessible or inaccessible by physical, electromagnetic, interference and / or thermal equipment or device such as shielding or scrambler.By timing device, sensor, detector, radiation, heat and / or chemical sequence or exposure combination, device or processor can be made accessible or inaccessible.

[0087] The memory device transmits the signal to the processor using one or more accessible methods and / or transformation states. The memory device and the processor can also communicate in electronic format through rule cifer, interpreter, key, quantum, piranha, gauge (rubrix), password, signal, sublimate, token and / or encrypted data. The processor can read, sense, determine or record the signal or state of the memory device. The memory device and the processor can be programmed with rules about the accessibility of data and / or equipment. Accessibility, signal, state and / or rules are implemented to protect the integrity and security of data. Routines or sequences in one or more of the above-mentioned signals, states and / or rules can be programmed, calculated, determined and / or processed to grant accessibility to the processor to retrieve data. With one or more of these methods, data is transmitted to one or more memory devices and processors, and data is transmitted from one or more memory devices and processors.

[0088] To authenticate the customer data, the processor retrieves data from the memory device and receives the customer data from the authentication request. One or more processors perform operations to authenticate the customer data. The processor responds with a signal or state that determines the identity of the customer. The processor may also respond with one or more confirmations or complex responses as defined above. The processor that retrieves data from the memory device may be a transmission chip or a simple query device that responds with data in a format for the processor that performs the authentication check. Separating the processor functions into low-level operations and data storage can protect the integrity and security of the customer data. Implementing a memory device that responds in a non-electronic manner provides a degree of separation to protect the data and make the data secure. The practice of using a memory device that can be accessed in a non-electronic manner to perform authentication of the customer data can further protect the integrity and security of the customer data.

[0089] A preferred embodiment of the method of protecting data and making data secure is to protect credit card information during transactions. For example, the data of a financial transaction is transferred from a customer to a business to a credit card company to a business to a business transaction. By using a reference number, a new purchase and sales card can be provided to a customer, which allows credit card purchases to be processed using remote b2b transactions. Merchants and sellers do not need to store credit card information to process transactions. One or more reference numbers of a customer in a static and / or dynamic format will allow the purchase card to be processed at the point of sale system and provide the required information to approve the transaction without transmitting the credit card number from the point of sale device. Smartphones or electronic devices with optional accounts can also be used at the point of sale device. Instead, using one or more reference numbers, the purchase card provides data, and the point of sale device uses the data to process transactions with a system having a processor, which processes transactions with the credit card company on behalf of the customer.

[0090] In this embodiment, one or more reference numbers and credit cards are provided. The processing of transactions can first be carried out with the method of authenticating identity as described above. Processing transactions can be carried out without a response for authenticating identity or with a multivalent response as described above. In a part of the data storage device, credit card numbers can be stored. The customer may have provided these numbers through a graphical user interface or a device that allows input of an account number. The customer can select an account for purchase and / or an account used at the point of sale. The customer can use a card to purchase and withdraw money from one or more payment debits, credits, money, derivatives, resource buffers, futures, shared funds, donations and / or bank accounts at the same time.

[0091] The customer can also provide the setting of automatically selecting one or more credit card accounts to process one or more transactions. The previous setting of the priority or priority use of the credit card account allows the customer to pre-select the card for a specific purpose, for example, for food, grocery stores, fuel, utilities, transactions, markets and / or speculative investments. The selection of the account can activate the shopping card for use and / or configure the chip or bar code for use at the point of sale device. The shopping card can be a smart card that can be programmed by the customer or a third party to use at the POS. The customer can track and trace the details of the request for financial services by the third party, such as the type of financial services performed on the time of the request. One or more reports or statements can be generated or caused to be generated by any one or more contacts, inquiries, requests, transactions, notifications, authorizations, purchases and / or sales. Receive / access one or more customers, entities, networks, systems, commissions, agents, registrations, logs, inquiries, referees, robot programs, people and / or transcripts to track and / or track one or more systems and / or practices that implement one or more financial services.

[0092] Shopping cards can be used to work on and / or with existing merchant accounts, automatic clearing houses, debit cards, automatic teller machines and / or credit card transaction systems, or work with them. Arrangements and configurations can be used to mechanically and / or automatically carry out transaction purchases. Purchases and / or transaction purchases can be initiated by one or more customers and / or entities, or on behalf of one or more customers and / or entities. Similarly, sales can be carried out using systems such as sales cards instead of shopping cards. Therefore, such families can allocate budget funds to accounts that can be accessed by one or more people. Commercial entities can provide purchase and / or sales cards to obtain and / or purchase materials, goods, services, contracts, transactions and / or exchanges. Customers and / or entities can combine accounts with access to shared resources. An entity can cause one or more purchase and / or sales actions to occur and / or operate.

[0093] The arrangement of accounts, purchases and / or sales can be automatically completed with triggers, timing, ranges, thresholds, notifications, authorizations or any customer or supplier control. Customers can also or alternatively use programmable shopping cards or shopping devices, which use reference numbers to send the code of the account to be used or select the account to be used. The shopping card or device may include: a chip, display, button, mark, touch screen and / or touch-sensitive area, which is selected at the time of purchase, selected at other desired times of the point of sale device and / or selected by the customer. Similarly, the point of sale device can also be equipped with such features to handle customer accounts and / or handle coupons and / or incentives for retailers or vendors. The above selection at the point of sale device can be provided at the time of sale to adjust the price. Preferred embodiments using the system allow one or more customers and / or entities to arrange and configure customizable systems and / or infrastructure to purchase and / or sell according to personal means that are not detectable in the public network. Parts of the system may or may not contain private, personal, financial and / or identity information on the public network, the Internet, an intranet, an extranet and / or the cloud.

[0094] Preferred embodiments provide financial decision-making based on customer information and third-party data. The processing of transactions can first be carried out with the method of authenticating identity as described above. Processing transactions can be carried out without a response for authenticating identity or with a multi-price response as described above. The third party defines a process for making financial decisions, which includes one or more rules, procedures, regulations, calculations, formulas, criteria and / or evaluations that need to respond to requests for financial services such as auctions, transactions, credits, derivatives, transactions, futures, hedges, loans, purchases, refinancing, value-added, stocks, bonds, trades, authorizations, distributions, approvals, conditions, requests, substitutions, transfers, debts, claims, collections and / or sales of monetary values ​​and / or inquiries to the above-mentioned financial services. A system can be implemented to extend, expand, recover, cancel and / or recall one or more financial services. Any entity using financial services can implement the process of providing financial decisions. Purchase, sale, service and / or trading systems can be implemented as alternatives, competitions, supplements, advantageous positioning, pricing and / or execution of auxiliary functions to one or more existing financial systems, exchanges, markets and / or networks. One or more processes from one or more entities may be implemented to provide one or more financial decisions to one or more clients and / or entities.

[0095] The entity can be an insurer, bank, government, income, insurance, medical, manufacturer, exchange, market, consumer goods and / or a service company or organization that uses or quotes a social security number and / or an employer identification number. The third party requests the reference number and additional identification features of the client, such as the address and telephone number as defined above. The identification information of the client can be used to authenticate the identity of the client, entity and / or third party. The request can be in paper form, digital format, graphical interface, website, automatic programming interface, auditory format, keyboard, telephone format and / or electronic input. Similarly, the entity can define the process by one or more request formats for inputting the process. The process can be converted into one or more programs, scripts, interfaces, languages, codes, symbols and encrypted formats. The process can be sent together with the request, or it can be requested from another entity, client, processor and / or data storage. The process can be run in one or more automated forms, batch processing, switching center, register and / or shell.

[0096] The processor retrieves a third-party process, and the processor retrieves customer information. The processor processes the customer information according to the third-party process. The third-party process is implemented to apply customized logic to the customer's data. The processor responds to a verification request for the financial attributes of the third party. Specific financial data and / or identification data may or may not be provided in the response from the processor to the third party. The request may or may not be notified to the customer. The customer may or may not be prompted to grant permission to access identity and / or financial data. The customer may or may not have set financial data similar to the identification information as described above in the data storage record. The customer may or may not be prompted about a conditional response, which may or may not require permission for the decision of the third-party process. The customer may or may not receive information about further actions to obtain financial products from one or more third parties. The customer may or may not receive advertisements from a third party. The customer data and response may or may not be forwarded to one or more third parties, such as a financial services entity or market. The customer, third party or entity that processes the authentication and / or request may receive an incentive, compensation, reward, credit or commission for processing and / or completing the request.

[0097] A third-party process may be defined by, on behalf of, or for a third party. A process may be defined by one or more processes from one or more individuals, entities, organizations, and / or groups. A process defines a set of logical conditions, including one or more rules, definitions, procedures, regulations, calculations, formulas, criteria, and / or evaluations required to respond to requests and / or inquiries for financial services, such as auctions, transactions, credits, derivatives, transactions, futures, hedges, loans, purchases, refinancing, value-added, stocks, bonds, trades, authorizations, distributions, approvals, conditional, requests, substitutions, transfers, and / or sales of monetary value. The process may be used to shield financial services. The program may be used to hide information about customers and / or third parties to avoid transmitting information related to financial services. The processor completes the process, which may or may not result in a response. The processor completes the process, which may or may not result in reading, writing, or updating a data store. The process may require additional steps or sequences, request information, exchange data, or obtain a process in order to complete the request. The processor or process may respond with a polyvalent response. The polyvalent response may be accompanied by identity authentication. The multivalent response may also include: one or more instructions, conditions, requests for more information, time-sensitive responses, offers, purchases, sales, instructions, recommendations, denials, transcripts, titles, liens, deeds, bills, records, receipts, or statements.

[0098] A process defines a set of logical conditions that establish a way to evaluate a process or request. Generally, the process refers to identity and / or financial data, wherein the process requests at least one of these types of data in order to respond to the request. One of the purposes of the process is to define a process for authenticating the criteria of an identity. For example, an identity in a table may need to be authenticated based on time, location, probability and / or possibility. An identity may also need to be authenticated using financial data, such as tax records, credit card transactions, purchases, sales and other types of transactions indicating the location of a person at a time. The process of authenticating an identity also responds with one or more responses that may or may not be multi-price. The process can be defined in a manner that is common to computational methods and / or human methods for authenticating information based on the sensitivity level of a person and / or information. An automated system operating a service can define a process that a third party can use. One or more processes can define government regulations for insurance, commerce, business, pricing, exchange, trading, transfers, purchases, sales, taxes, rates, risks and / or loans. Or a third party can define a process for providing customized authentication and / or responsive services. The process may be programmed using one or more flow charts, process diagrams, scripts, programs, executable programs, tags, codes, languages, assemblers, in-chip and / or on-chip tools. The process may be defined as a software program or a hardware circuit. The process may be executed by processors in one or more local, distributed, remote, cloud or server computers.

[0099] For financial services, the process encodes the logic used to determine financial decisions. The process automates the process of making financial decisions or decisions using financial data. In one example of the authentication and response process, a customer application for a loan. The loan form conventionally includes personal information, which includes name and contact information. However, the form may include a customer identification number or reference number used in the process of authenticating the customer's identity. Another process can be run to obtain the customer's financial information. There is a process that can provide current income, debt, and address through customer response inquiries. The process can automatically obtain this data from the information provided by the customer. Another process can obtain a credit score and report on behalf of the customer, and store the data in a memory device. Another process is used to perform operations that process financial information according to the evaluation process of the loan application. The process can automate any financial transaction, where data can be transmitted or not transmitted between a third party and a service system. The process can be used to record information and / or respond to business decisions.

[0100] The data input device allows the customer to enter identity information into one or more memory storage devices. The customer enters information 100 through an input device such as a keyboard or keypad. A portion of the data 110 is stored on the network cloud 120 and another portion is stored on the memory device 140. After the data is stored, the memory device may not be accessible to another electronic device. The customer can update and / or modify the information through an interface to the memory device or to a memory record in a remote location for use in a processor process.

[0101] Data is accessed from the memory devices 200 using a memory process connected to a processor and a cloud 240. Data from a set of memory devices 220 is retrieved by a storage processor 200. The memory devices operate with accompanying sensors 210 or supply devices that respond to requests from the memory devices to supply identification data. Perforated lines represent accessible or inaccessible connections through electronic signals. The storage processor sends an interrogation signal to the sensor to obtain data from the memory device. The storage processor provides data to one or more processors 230 to verify the data or retrieve identification data and / or financial attributes. Personal data is only available to the processor and for a certain amount of time. Personal data may not be stored on the processor or accessible by the cloud. The processor responds to the request through the cloud interface.

[0102] Flowchart for secure verification of data identification. An authentication request is accompanied by personal identification information 300. The request processor optionally uses the identification information to notify the client of the authentication request. The dotted lines represent optional sequence or process flows. The notification can be sent via SMS text, email alert, telephone interface and / or automatic pre-selected response. The request processor forwards the identification information to the data processor. The client responds to the notification of the authentication request. If the client agrees to the request, the data processor obtains the identification number 310 from the memory device. Otherwise, the data processor forwards the client response to the authentication processor. If the client approves the request, the authentication processor authenticates the personal data from the memory device and the identification data 300 accompanying the authentication request. The authentication response 320 provides the result of the authentication processor based on the identification information provided in the request and the client's response to the authentication notification.

[0103] Flowchart of data identification security verification and financial attribute service request response. The authentication request is accompanied by personal identification information 400, and the selection of a process for processing financial attribute data 410. The request for financial services can be initiated using a form interface ( Figure 7). The request processor optionally uses the identification information to notify the client of the authentication request. The dotted lines represent optional sequences or process flows. The notification may be sent via SMS text, email alert, telephone interface, and / or automatic pre-selected response. The request processor forwards the identification information to the data processor. The client responds to the notification of the authentication request. If the client agrees to the request, the data processor obtains the identification data and financial attributes 420 from the storage device. The storage processor obtains the social security number and uses the identification information to obtain the identification number from the storage device. The storage processor obtains financial attributes such as income level. Otherwise, the data processor forwards the client response to the authentication processor. If the client approves the request, the authentication processor authenticates the personal data, identification data 400, financial attributes 420 from the storage device. The authentication processor forwards the authentication result to the process processor.

[0104] The authentication response 420 forwards the results and the process selection 410 to the process processor. The process processor obtains the selected process logic 430. The process processor processes the financial attributes 420 according to the process logic 430. Auxiliary processes can be used to obtain additional data or services remotely or locally through a network or software. The additional data can be supplementary information required to process financial services. The additional service can be a request for a credit report from a credit bureau. The process processor responds with an authentication response 440 and a multi-price response 450. The multi-price response includes the approval and loan amount. The process processor provides the results of the authentication processor based on the identification information provided in the request, the customer's response to the authentication notification, the identification data, and the financial attributes.

[0105] Flowchart of a request for financial services from a point of sale customer. A flow chart for requesting financial services at a POS. The authentication request is accompanied by personal identification information 500, and an account is selected from a shopping card to process the purchase request 510 ( Figure 6 ). The customer enters data via an input device and a data input interface with a connection to a cloud data recorder ( Figure 1 , 2 ) to preset the account for selection. The digital shopping cart or store register provides the monetary amount to be purchased 560, such as a dollar amount. The request processor optionally uses the identification information to notify the customer of the authentication request. The dotted lines represent optional sequence or process flows. The notification can be sent via SMS text, email alert, telephone interface and / or automatic pre-selected response. The request processor forwards the identification information to the data processor. The customer responds to the notification of the authentication request. If the customer agrees to the request, the data processor obtains the identification data and account number from the storage device 520. Otherwise, the data processor forwards the customer response to the authentication processor. The storage processor using the account selection obtains the credit card account number from the cloud storage and obtains the identification number ( Figure 2). If the customer approves the request, the authentication processor authenticates the customer data, identification data 500, identification number and account number 520 from the memory device. The authentication processor forwards the authentication result to the process processor.

[0106] The authentication processor 520 forwards the result and the account selection 510 to the process processor. The process processor obtains the selected process logic 530. The process processor processes the financial transaction of the account number 520 according to the logic 530 of the process and processes the purchase amount 560 through the credit card network connected using the auxiliary transaction. The process processor responds with an authentication response 540 and a multi-price response 550. The multi-price response includes a transaction number and a timestamp. The process processor provides the result of the authentication processor as a multi-price response based on the identification information, identification number, customer in response to the authentication notification, account selection and purchase amount.

[0107] A consumer purchasing card 600 with optional features 620. The purchasing card can be used at a point of sale device and the purchase is processed through a process. The purchasing card initiates a financial services request and sends identification information to the request processor ( Figure 5 ). The customer can select a financial account from the shopping card 620. Account selection sets the microchip to provide account selection and is programmed through an electronic connection 630 from the selectable feature 620 to the microchip 610. The shopping card is inserted into a point of sale system that reads the microchip 610. The request for the purchased financial service is transmitted to the request processor. The account is sent with the request along with the identification information. The purchase transaction using the credit card account is processed by the process processor. The request receives an authenticated multi-price response and the purchase transaction is completed.

[0108] Financial Services Application Form with or without SSN. A form for financial services includes identification information of a customer. The form requests information with identification number 700 authenticated without a social security number. The social security number is stored in a memory device and can be accessed by a storage processor ( Figure 1 , 2 4) Retrieval. Processing requests for authentication and financial services such as loans without the customer providing a social security number on the form interface. The form interface of the prior art requires the customer to provide a social security number in order to process a request for financial services.

[0109] definition

[0110] Affect is an analytical state of a human being and can be described as a feeling, sensation, experience, behavior, sense, emotion, feeling, intuition, inner state, and any related state determined by the inner state. Scheler. Formalism and Informal Value Ethics in Ethics. Northwestern University Press, 1973. See also the original German text. Scheler is a useful example of emotion that can be used to address the relationship between emotion and action. These references are incorporated by reference in their entirety.

[0111] Address. An address is one or more mailing addresses, telephone numbers, IP addresses, domain names, accounts, numbers, user logins, email addresses, and / or any reference to the location or presence of a person, individual, group, and / or entity. Addresses can be static, dynamic, reference, sequential, or a combination thereof.

[0112] Population criteria are metrics calculated based on demographics, statistics, averages, censuses, groups, categories, analytics, etc. These can be public or private data sets that allow the unique pricing engine to modify the price of a product or service for a customer and to fund one or more resource buffers.

[0113] Anonymous Identifiers. Identifiers may be used when numbers are assigned to individuals, groups, and / or entities for statistical, medical, informational, governmental, or organizational purposes.

[0114] Entity means any established legal entity such as corporations, limited liability companies, limited liability partnerships, joint ventures, companies and sole proprietorships, as well as foreign companies and government agencies representing countries, people or representing enterprises.

[0115] Financial services. Auction, transaction, credit, derivative, exchange, futures, hedging, loan, purchase, refinance, appreciation, stock, bond, trade, authorization, distribution, approval, conditional, request, substitution, transfer and / or sale or monetary value. Any method, process, device, instrument or process including: any action of monetary value, any action for monetary value, any action through monetary value and / or any action representing monetary value. Monetary value can be currency, credit, metal, bill and / or some thing involving value in any form.

[0116] Identification Number A number that references, points to, refers to, calls, symbolizes, represents, and / or gives an address to a person, individual, group, and / or entity. Examples of identification numbers include a Social Security number, employer identification number, driver's license, customer number, medical ID number, serial number, barcode, and / or anonymous identifier.

[0117] An individual is defined as a person. Unique pricing engines provide unique prices for a specific person. Non-unique pricing can be referred to as custom, personalized, customized, optimized, smart, group, sale, markup, markdown, adjustment, discount, dynamic, category, tier, table, or preferred pricing.

[0118] The local rate is a rate calculated by the Internal Revenue Service. Other cost-of-living indicators may be included, as well as indicators that are more appropriate for local cost of living.

[0119] A polyvalent response. Data representing one or more modes of information, such as decision and confirmation numbers. Modes of information include gradients, scales, litmus, advisories, alarms, warnings, signs, symbols, signals, colors, wavelengths, frequencies, and any mode that encodes information. One or more data types or forms may accompany, be associated with, follow, precede, reference, sequence, and / or be transmitted with one or more modes of communication for any duration or time span.

[0120] Numbers may be alphanumeric, cardinal, ordinal, decimal, quantum, and / or fractional, and combinations thereof.

[0121] The per diem rate is a rate calculated by the United States General Services Administration. Other per diem rates may be included, as well as indicators appropriate to the cost of the location being visited.

[0122] A Provider is a manufacturer, merchant, wholesaler, producer, retailer, seller, supplier and / or service provider. A Provider may be an individual and / or an entity. POS. Point of Sale Device.

[0123] A resource buffer is a monetizable fund that can be used to supplement the price of a product or service. One or more resource buffers can be implemented when generating a unique price for a customer. Resource buffers can be internal to the organization or accessed from a third party.

[0124] The third party may remain anonymous, unnamed or known. That is, an anonymous third party may be, for example, a bank advertising a credit card to a customer. A known third party may be an insurance company processing a customer's application form to obtain health insurance.

[0125] Unique refers to a price generated for a specific person or entity. Numerical prices can also be unique in that no two people have the same price for a given product. Unique prices can also include fractional prices that, when modified or rounded, appear similar or identical to a price offered to another customer.

[0126] A value is a numerical state, including but not limited to one or more of the following: integers, decimals, fractions, imaginary numbers, coordinate spaces, visual representations, eye diagram representations, bits, qubits, bytes, and any ordinal, cardinality, real, imaginary, geometric, coordinate, sentiment, set, and representation of or comparison with quantities. A value is an essential state, including but not limited to properties of things. A balloon has the essence of a spacecraft, as does the stone of a statue. Hintikka. Knowledge and Belief. 2005 reprint. King's College Publications. Hintikka can be used as an example of a logical system that can be used to resolve uncertain relations in knowledge and belief. These references are incorporated by reference in their entirety.

[0127] Volume cost derivatives, quantified metrics represent the cost of production, manufacturing, transportation, supply, sales, transactions, clicks, marketing, services, and any cost of goods sold. These metrics may be the same as the manufacturer of the product, such as the cost of importing or purchasing raw materials. These actions performed by the manufacturer can be provided by a third-party service provider who provides services at a competitive advantage. The ability of third-party service providers to predict future expenses for services provided to manufacturers allows the use of volume cost derivatives to improve price competitiveness.

[0128] The following references are incorporated by reference.

[0129] Hintikka. Knowledge and Belief. Reprinted 2005. King's College Publications. Hintikka can be taken as an example of a logical system that can be used to resolve uncertain relations in knowledge and belief: incorporated by reference in its entirety.

[0130] Scheler. Formalist Ethics and Informal Value Ethics. Northwestern University Press, 1973. See also the original German text. Scheler is a useful example of emotion that can be used to address the relationship between emotion and behavior. These references are incorporated by reference in their entirety.

[0131] When introducing elements of the examples disclosed herein, the articles "a," "an," "the," and "said" are intended to indicate that there are one or more elements. The terms "comprising," "including," and "having" are intended to be inclusive and mean that there may be additional elements in addition to the listed elements. Given the benefit of this disclosure, one of ordinary skill in the art will recognize that various components in the examples may be interchanged or replaced with various components in other examples.

[0132] While certain aspects, examples, and embodiments have been described above, those skilled in the art, given the benefit of this disclosure, will appreciate that additions, substitutions, modifications, and variations of the illustrative aspects, examples, and embodiments disclosed are possible.

Claims

1. A method for determining a numerical value, comprising: providing a graphical user interface at a computing device; displaying an information pattern using the graphical user interface to a customer accessing a first numerical value, wherein the display uses an information pattern for visually representing the first numerical value such that the information pattern is one or more of: a gradient, a scale, a litmus, an advisory, an alarm, a warning, a sign, a symbol, a signal, a color, a wavelength, a frequency, and combinations thereof, wherein the numerical value is based on an attribute of a first product, wherein the attribute of the first product is one or more of: a price, a zip code, a SKU, a brand name, a serial number, a barcode, a numeric identifier, an alphanumeric identifier, and combinations thereof; receiving an interaction with the information mode from a user to adjust the first digital value using one or more of a measure, a selection, a range, a setting, an input, and combinations thereof; causing a change to the first value based on an attribute of a second product, wherein the attribute of the second product is one or more of: price, zip code, SKU, brand name, serial number, barcode, numeric or alphanumeric identifier, and combinations thereof; and A second value is determined based on the changed first value, wherein the second value is linked to a digitized form of one or more of: currency, money, points, reward, reward, credit, debit, encryption, token, monetary value, payment, donation, advertisement, financial attribute, partial financial attribute, and combinations thereof.

2. The method according to claim 1, characterized in that The change in the first value is further determined by adjusting the second value using one or more of: a number, a zip code, demand, supply, price, cost, tariff, coupon, discount, performance, metric, and combinations thereof.

3. The method according to claim 1, characterized in that The monetary value is transmitted in digital form to one or more of: a computing device, a processor, a program, a digital device, a payment system, a point of sale system, an exchange, an account, and combinations thereof.

4. The method of claim 1, further comprising determining a derivative by adjusting the first or second numerical values ​​using one or more of: fractions, combinations, decimals, weights, scores, rankings, coefficients, logarithms, exponents, and combinations and portions thereof.

5. The method according to claim 1, characterized in that The user provides one or more products to multiple users.

6. The method according to claim 1, characterized in that The user is one or more clients, individuals, collectives, cooperatives, groups, entities, robots, programs, algorithms, software, scripts, digital devices, smartphones, and combinations thereof.

7. The method according to claim 1, characterized in that The user is one or more sellers, manufacturers, merchants, wholesalers, producers, retailers, suppliers, and combinations thereof.

8. The method according to claim 1, characterized in that The user includes digital entities that represent auctions, exchanges, derivatives, transactions, futures, hedges, loans, purchases, refinances, appreciations, stocks, bonds, trades, authorizations, distributions, approvals, conditions, requests, substitutions, transfers, debts, claims, collections, sales, portions thereof, and combinations thereof.

9. The method according to claim 3, characterized in that The processor is at least one of an exchange, a marketplace, a crypto, a clearinghouse, a trading system, a payment system, a point of sale system, and combinations thereof.

10. The method according to claim 1, characterized in that The value associated with the first or second numerical value comprises a representation of one or more categories determinable by the digital device according to: affect, emotion, feeling, experience, experiment, behavior, perception, emotion, intuition, and combinations thereof.

11. The method of claim 1 , further comprising wherein the attributes of the first or second product include representations of one or more categories that can be determined by a digital device based on digital metrics of: one or more of health, disease, organ, tissue, organism, animal, chemical process, chemical, physical process, and combinations thereof.

12. The method of claim 1, further comprising wherein the attributes of the first or second product include representations of one or more categories determinable by a digital device based on digital metrics of: food, grocery store, nutrition, carbohydrates, fat, meat, appetite, hunger, digestion, metabolism, and combinations thereof.

13. The method of claim 1, further comprising wherein the attributes of the first or second product include representations of one or more categories that can be determined by a digital device based on digital metrics of: energy, fuel, utilities, heat, cold, temperature, air, carbon dioxide, water, earth, carbon, materials, color, and combinations thereof.

14. The method according to claim 1, wherein: The first product, the second product, or both the first product and the second product are services.

15. The method according to claim 1, wherein: The user is verified as one or more owners, purchasers, transferees, custodians, caretakers, recipients, donors, partial donors, and combinations thereof of a product or service.

16. The method according to claim 14, characterized in that The user is authenticated using one or more of: a cart, id, card, registration, chip, token, link, hash, password, deed, contract, account, receipt, and combinations thereof.

17. A machine-implemented method for determining a numerical value, comprising: determining, at one or more processing devices, an information pattern for accessing a first value about a customer, wherein the information pattern is used to represent the first value such that the information pattern is a digitized representation of: a gradient, scale, litmus, advisory, alarm, warning, sign, symbol, signal, color, wavelength, frequency, and combinations thereof, wherein the first value is based on an attribute of a first product, wherein the attribute of the first product is one or more of: price, zip code, SKU, brand name, serial number, barcode, numeric identifier, alphanumeric identifier, and combinations thereof; Receiving input from an entity for adjusting the value using one or more of a metric, a selection, a range, a setting, an input, and combinations thereof: causing a change to the first value based on an attribute of a second product, wherein the attribute of the second product is one or more of: price, zip code, SKU, brand name, serial number, barcode, numeric identifier or alphanumeric identifier, and combinations thereof; as well as A second value is determined based on the changed first value, wherein the second value is retrievable based on a digitized form of one or more of: currency, money, points, rewards, rewards, credits, debits, crypto, tokens, monetary values, payments, donations, advertisements, financial attributes, partial financial attributes, and combinations thereof.

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