Method and system for automated linkable promotions

• US 20040073497A1
• Filed: 10/15/2002
• Published: 04/15/2004
• Est. Priority Date: 10/15/2002
• Status: Abandoned Application

• Current Assignee: First USA Bank N.A. (JP Morgan Chase & Co)
• Original Assignee: First USA Bank N.A. (JP Morgan Chase & Co)
• Inventors: Riesenbach, Robert, Novak, Christopher, Hayes, Mark R., Kutsch, Michael S., Sharkey, Maryann M., Blossom, George W.
• Application Number:
  US10/270,287
• Publication Number:
  US 20040073497A1
• Time in Patent Office: Days
• US Class Current: 705/27
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

The invention comprises an electronic purchasing system. In one embodiment, the electronic purchasing system may operate through a user communicating with a system server and at least one partner system over a network. The user possesses an electronic wallet and an electronic coupon book that facilitate purchasing. The electronic coupon book is stored on a smart card and receives its coupons either from the system server or from the partner system for either immediate or subsequent use by the user system. In another embodiment, the user may be provided with a system having coupon downloading tools, vendor recognition tools, purchasing tools, an input device for receiving account access information and communication tools for communicating with vendors, and the user can use a conventional credit card to consummate purchases using downloaded coupons. In either embodiment, the user system and the partner system are capable of recognition in order to activate coupons only for appropriate participants.

Claims

1. An electronic purchasing system for enabling a user to purchase goods and services from at least one vendor, the purchasing system comprising:

a smart card for communicating with the at least one vendor, the smart card comprising;

an electronic coupon book for storing at least one electronic coupon,

coupon downloading tools for transferring the at least one electronic coupon to the electronic coupon book, and

vendor recognition tools for identifying a specific vendor and accessing an applicable electronic coupon associated with the specific vendor;

an electronic wallet comprising;

account access information for at least one user account, and

purchasing tools;

wherein the purchasing tools are adapted to allow a user to complete a purchase transaction using the account access information, and at least some of the terms of the purchase transaction are based on the applicable electronic coupon associated with the specific vendor.

2. The electronic purchasing system of claim 1, wherein the electronic wallet is stored on the smart card.

3. The electronic purchasing system of claim 1, further comprising a user system, the user system comprising:

network interface tools for communicating over a network with the at least one vendor; and

a smart card reader for communicating with the smart card.

4. The user system of claim 3, the user system further comprising:

a browser for accessing one or more venues associated with the at least one vendor; and

a memory for storing the electronic wallet.

5. The electronic purchasing system of claim 1, further comprising graphics tools for displaying the at least one electronic coupon on a user system.

6. The electronic purchasing system of claim 1, wherein the graphics tools are stored on the smart card.

7. The electronic purchasing system of claim 1, wherein the electronic wallet further comprises tools for filling out participating vendor forms in order to make a purchase.

8. The electronic purchasing system of claim 7, wherein the electronic wallet includes user shipping preference and address information.

9. The electronic purchasing system of claim 7, wherein the electronic wallet includes credit card numbers.

10. The electronic purchasing system of claim 1, further comprising means for receiving electronic coupons from a system server.

11. The electronic purchasing system of claim 1, further comprising means for receiving applicable coupons from a partner system.

12. The electronic purchasing system of claim 1, wherein the smart card stores a list of participating vendors.

13. The electronic purchasing system of claim 1, wherein the electronic wallet stores a list of participating vendors.

14. The electronic purchasing system of claim 1, wherein at least one of the at least one electronic coupon includes an expiration date.

15. An electronic purchasing system for enabling a user to purchase goods and services from at least one vendor, the purchasing system comprising:

an electronic wallet comprising;

an electronic coupon book for storing at least one electronic coupon,

coupon downloading tools for transferring the at least one electronic coupon to the electronic coupon book,

vendor recognition tools for identifying a specific vendor and identifying at least one applicable electronic coupon associated with the specific vendor,

account access information for at least one user account, and purchasing tools;

a smart card for consummating a purchase transaction with the at least one vendor, the smart card comprising;

coupon access tools for accessing the at least one applicable electronic coupon; and

wherein the purchasing tools are adapted to allow a user to complete a purchase transaction using the account access information, and at least some of the terms of the purchase transaction are based on the applicable electronic coupon associated with the specific vendor.

16. The electronic purchasing system of claim 15, wherein the electronic wallet is stored on the smart card.

17. A user system for enabling a user to purchase goods and services from at least one vendor, the user system comprising:

an electronic wallet;

an electronic coupon book for storing at least one electronic coupon;

coupon downloading tools for transferring the at least one electronic coupon to the electronic coupon book, each of the at least one electronic coupons comprising promotion terms;

vendor recognition tools for identifying a specific vendor and identifying at least one applicable electronic coupon associated with the specific vendor;

coupon access tools for accessing the at least one applicable electronic coupon, account access information for at least one user account;

purchasing tools;

a smart card for consummating a purchase transaction with the at least one vendor;

communication tools for communicating with at least one vendor system; and

wherein the purchasing tools are adapted to allow a user to complete a purchase transaction using the account access information, at least some of the terms of the purchase transaction being modified by reference to the promotion terms of the applicable electronic coupon associated with the specific vendor.

18. The user system of claim 17, wherein at least one of the electronic wallet, electronic coupon book, coupon downloading tools, vendor recognition tools, coupon access tools, account access tools, and purchasing tools is stored on the smart card.

19. The user system of claim 17, wherein at least one of the electronic coupon book, coupon downloading tools, vendor recognition tools, coupon access tools, account access tools, and purchasing tools is stored on the electronic wallet.

20. The user system of claim 17, wherein the communication tools comprise:

network interface tools for communicating over a network with the at least one vendor; and

a smart card reader for communicating with the smart card.

21. The user system of claim 17, the user system further comprising:

a browser for accessing one or more venues associated with the at least one vendor; and

a memory for storing the electronic wallet.

22. The user system of claim 17, further comprising graphics tools for displaying the at least one electronic coupon on the user system.

23. The user system of claim 17, wherein the electronic wallet further comprises tools for filling out participating vendor forms in order to make a purchase.

24. The user system of claim 23, wherein the electronic wallet includes user shipping preference and address information.

25. The user system of claim 23, wherein the electronic wallet includes credit card numbers.

26. The user system of claim 17, further comprising means for receiving electronic coupons from a system server.

27. The user system of claim 17, further comprising means for receiving applicable coupons from a partner system.

28. The user system of claim 17, wherein the smart card stores a list of participating vendors.

29. The user system of claim 17, wherein the electronic wallet stores a list of participating vendors.

30. The user system of claim 17, wherein at least one of the at least one electronic coupon includes an expiration date.

31. A user system for enabling a user to purchase goods and services from at least one vendor, the user system comprising:

coupon downloading tools for transferring at least one electronic coupon, each of the at least one electronic coupons comprising promotion terms;

vendor recognition tools for identifying a specific vendor and identifying at least one applicable electronic coupon associated with the specific vendor;

purchasing tools;

an input device for receiving account access information from a user;

communication tools for communicating with at least one vendor system; and

wherein the purchasing tools are adapted to allow a user to complete a purchase transaction using the account access information, at least some of the terms of the purchase transaction being modified by reference to the promotion terms of the applicable electronic coupon associated with the specific vendor.

32. The user system of claim 31, further comprising:

a system-issued credit instrument for consummating a purchase transaction with the at least one vendor;

an electronic coupon book for storing at least one electronic coupon; and

coupon access tools for accessing the at least one applicable electronic coupon.

39. The method of claim 31, further comprising:

a system server attached to the network; and

wherein the step of providing a user with at least one automated coupon comprises transmitting coupons from the system server to the smart card.

33. A method for allowing a user to utilize automated coupons from at least one participating vendor over a network, the method comprising:

providing a user with an electronic wallet and a smart card;

providing a user with at least one automated coupon;

determining whether a user is accessing a participating vendor;

implementing notification tools to provide the user with notification of an applicable automated coupon in response to the user accessing a participating vendor; and

enabling the user to purchase goods or services using the electronic wallet and the at least one automated coupon, at least some of the terms of the purchase being modified by the automated coupon.

34. The method of claim 33, wherein the notification tools are stored on at least one of the smart card and the electronic wallet.

35. The method of claim 33, further comprising:

storing credit card information and personal information in the electronic wallet; and

wherein the step of enabling the user to purchase goods or services using the electronic wallet further using at least some of the credit card information and personal information.

36. The method of claim 33, wherein the step of determining whether a user is accessing a participating vendor comprises recognizing a partner system using recognition tools stored on the smart card.

37. The method of claim 33, wherein the step of determining whether a user is accessing a participating vendor comprises recognizing cookies on a user system.

38. The method of claim 33, wherein the step of providing a user with at least one automated coupon comprises transmitting coupons from the participating vendor to the smart card.

41. The method of claim 40, further comprising the step of transmitting coupons from a participating partner system to a system server.

42. The method of claim 40, wherein the step of implementing notification tools comprises invoking a display comprising a graphical depiction of a coupon.

43. The method of claim 42, wherein the graphical depiction of a coupon comprises a description of terms of an automated coupon associated with the participating vendor.

44. The method of claim 40, wherein the step of implementing notification tools comprises invoking a display comprising a passive indicator.

45. A method for allowing a user to utilize automated coupons from at least one participating vendor over a network, the method comprising:

providing a user with at least one automated coupon;

determining whether a user is accessing a participating vendor;

implementing notification tools to provide the user with notification of an applicable automated coupon in response to the user accessing a participating vendor;

receiving payment information from a user; and

enabling the user to purchase goods or services using the payment information and the at least one automated coupon, at least some of the terms of the purchase being modified by the automated coupon.