Unified electronic transaction fulfillment

• US 20030233320A1
• Filed: 06/13/2003
• Published: 12/18/2003
• Est. Priority Date: 06/13/2002
• Status: Abandoned Application

• Current Assignee: Robert W. Connor Jr
• Original Assignee: Robert W. Connor Jr
• Inventors: Connor, Robert W. Jr.
• Application Number:
  US10/461,659
• Publication Number:
  US 20030233320A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02

Abstract

A variety of electronic payment solutions and user affinity system and methods are provided. The electronic payment solutions allow participating customers to exploit legacy transaction systems and provide a basis to electronically establish user affinities that may be employed as part of one or more targeted marketing efforts. In an illustrative implementation, a participating user is issued a UPC bar code ID that is storable on a variety of media ranging from print medium to electronic media (FOB wand, stored in a cell phone, SIM Card, or other mobile computing device). The UPC bar code ID may be linked to the participating user'"'"'s bank and/or credit card accounts. In operation, when the participating user purchases a product and/or service, the participating user offers the UPC bar code ID to the retailer to pay for the product and/or service. The retailer processes the UPC bar code ID using legacy UPC bar code ID transaction equipment to indicate the appropriate charges against the participating users'"'"' account(s).

Claims

1. A system providing unified transaction fulfillment comprising:

a portable media capable of storing and/or displaying at least one unique UPC bar code; and

a computing application capable of deciphering the one unique UPC bar code from the media and processing said UPC bar code to determine affinities relating to product and/or service purchases and for use in payment processes.

2. The system as recited in claim 1, further comprising a scanning device, said scanning device for use to decipher the one unique UPC bar code.

3. The system as recited in claim 2, further comprising a data store, the data store cooperating with the computing application to store information indicative of customer information.

4. The system as recited in claim 3, wherein the customer information comprises any of:

demographic information, payment information, transaction histories for customers, and customer affinity information.

5. The system as recited in claim 4, wherein the computing application determines affinities relating to product and/or services purchases using the customer information.

6. The system as recited in claim 4, wherein computing application resides on a computer server in communication with said scanner via a communications network.

7. The system as recited in claim 5, wherein the communications network comprises any of:

a fixed wire LAN, a wireless LAN, a fixed wire WAN, a wireless WAN, a fixed wire peer-to-peer network, a wireless pee-to-peer network, the Internet, and the wireless Internet.

8. The system as recited in claim 1, wherein said media comprises any of FOB wand, RKE device, wristwatch, print media, a SIM card, a lighter, on currency in the form of machine readable ink, eyeware, jewelry, mobile device housing and/or clip, and mobile electronic device.

9. The system as recited in claim 8, wherein said mobile electronic device comprises any of a mobile telephone, a mobile pager, and a mobile PDA.

10. The system as recited in claim 9, wherein said mobile electronic device are capable of supporting wireless protocols comprising any of:

BlueTooth, WiFi, Ultra Wideband, and RFId.

11. The system as recited in claim 1, wherein the one unique UPC bar code has varying shapes, sizes, orientations, components, and configurations.

12. The system as recited in claim 11, wherein the unique UPC bar code comprises a non-traditional bar code comprising any of:

a slanted line bar code, a squiggly line bar code, a bar code made of uniform circles, and a bar code made of uniform squares.

13. The system as recited in claim 12, wherein the computing application only upon processing the non-traditional bard code initiates payment processes.

14. The system as recited in claim 1, wherein the one unique UPC bar code comprises a customer'"'"'s UPC bar code found on the customer'"'"'s materials comprising any of:

a drivers license, a passport, a health card, a gym membership card, a water meter, and a gas meter.

15. A method for unified transaction fulfillment comprising the steps of:

providing a consumer with a unique UPC bar code, said unique UPC bar code being associated with consumer information comprising any of;

consumer bank/credit card accounts, consumer product/service preferences, and consumer affinities;

providing retailers with a computing application operating in a computing environment, wherein said computing application is capable of receiving said unique UPC bar code and processing said unique UPC bar code to realize two or more of the following operations;

product/service payment, consumer tracking, targeted marketing, and consumer affinity determinations.

16. The method as recited in claim 17, wherein said operations realized comprise any of:

real-time operations realization and non-real-time operations realization.

17. The method as recited in claim 15, further comprising storing transaction histories for customers, the customer transaction histories used to determine the customer affinities.

18. The method as recited in claim 15, further comprising communicating the unique bar code from the retailers to a transaction service provider, the transaction service provider storing the consumer information.

19. A system providing unified transaction fulfillment comprising:

a media capable of storing and/or displaying data indicative of a desired product and/or service; and

a computing application capable of receiving said data from said media and processing said data as part of a subsequent transaction fulfillment.

20. The system as recited in claim 19 wherein the media cooperates with electronic labels and/or smart shelves at points of sale to obtain the desired product and/or service data.

21. The system as recited in claim 20 wherein the desired product and/or service data is communicated from the electronic labels and/or smart shelves to the media using low power wireless communications.

22. The system as recited in claim 19, wherein the computing application resides on a networked computing environment comprising at least one client computing device and a computer server.

23. The system as recited in claim 22, wherein the computing application receives the desired product and/or service data from the media by cooperating with the media via the client computing device and processing the received data on the computer server.

24. At a point of sale a method to realize transaction fulfillment comprising the steps of:

responsive to the purchase of a product and/or service, receiving a unique UPC bar code at the point of sale, the unique UPC bar code having associated with it payment and affinity information for a customer; and

retrieving the associated customer information using the unique UPC bar code from a data store operating in a computing environment, the computing environment executing a computing application capable of performing transaction fulfillment and affinity determination.

25. The method as recited in claim 24 further comprising reconciling payment for purchased products and/or services.

26. The method as recited in claim 25 further comprising processing the customer information to obtain payment information for payment reconciliation.

27. An apparatus to realize transaction fulfillment comprising:

a media capable of storing and/or displaying a unique UPC bar code, the UPC bar code having information indicative of customer information including customer payment information, customer affinity information, customer coupon preferences; and

a communication component, the communication component capable of communicating the unique UPC bar code to a cooperating computing environment for use in payment processes and in affinity determination processes.

28. The apparatus recited in claim 27 further comprising a electronic storage component for use in storing data representative of desired products and/or services.

29. The apparatus recited in claim 28 wherein the communication component is capable of communicating with electronic labels.

30. The apparatus recited in claim 28 wherein the cooperating computing environment processes the unique UPC bar code to retrieve the customer information, the customer information residing on a cooperating data store.

31. The apparatus recited in claim 28, wherein the coupon is redeemed at a point of sale through a coupon transaction process, such that desired coupons are stored on the electronic media and are redeemed as in conjunction with payment processing when performing transaction fulfillment.

32. A system providing unified transaction fulfillment comprising:

a means for storing and/or displaying data indicative of a desired product and/or service; and

a means for receiving said data from said media and processing said data as part of a subsequent transaction fulfillment.

33. The system as recited in claim 32 wherein the means for storing cooperates with electronic labels and/or smart shelves at points of sale to obtain the desired product and/or service data.

34. The system as recited in claim 32 wherein the desired product and/or service data is communicated from the electronic labels and/or smart shelves to the media using low power wireless communications.

35. The system as recited in claim 32, wherein the means for receiving resides on a networked computing environment comprising at least one client computing device and a computer server.

36. The system as recited in claim 35, wherein the computing application receives the desired product and/or service data from the media by cooperating with the media via the client computing device and processing the received data on the computer server.

37. An apparatus to realize transaction fulfillment comprising:

a means for storing data, the means for storing capable of storing and/or displaying a unique UPC bar code, the UPC bar code having information indicative of customer information including customer payment information, customer affinity information, customer coupon preferences; and

a communication means, the communication means capable of communicating the unique UPC bar code to a cooperating computing environment for use in payment processes and in affinity determination processes.