Data processing systems

• US 20050010533A1
• Filed: 09/16/2002
• Published: 01/13/2005
• Est. Priority Date: 09/14/2001
• Status: Abandoned Application

• Current Assignee: MCashback Ltd. (Standard Chartered PLC)
• Original Assignee: MCashback Ltd. (Standard Chartered PLC)
• Inventors: Cooper, Robert
• Application Number:
  US10/489,274
• Publication Number:
  US 20050010533A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G07G 1/0036 Checkout procedures
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 2215/0192 Sponsored, subsidised calls via advertising, e.g. calling cards with ads or connecting to special ads, free calling time by purchasing goods
• CPC Class Codes: H04M 2215/32 Involving wireless systems

Abstract

A data processing system 1 and a method are disclosed for provision of rewards such as mobile telephone air time to customers. A transaction means 11 comprises a database 111 at the checkout which stores product data for a plurality of-products for purchase. A second database 112 stores offer data representing a value (monetary or otherwise) of an offer relating to those products.

A till 113 receives information on the products purchased and forwards it to a first data processor 114 where a total cost is calculated. This is combined with data from the database 112 at a second data processor 115 to produce a total offer amount. This is concatenated or otherwise combined with a live code 120 to produce an encrypted rebate code 119 that includes a representation of the rebate amount. This is printed onto a till receipt 118.

A mobile telephone user sends the printed rebate code to an operator 211 at a clearing house location 21. Once the rebate code 119 is validated, the user'"'"'s mobile telephone account may be credited with airtime in accordance with the value as included within the rebate code 119.

Claims

1. A data processing system for a checkout rebate scheme, comprising:

a) transaction means, having;

checkout memory means arranged to store data relating to a plurality of products for purchase, the data including offer data, if any, for each product;

checkout processing means arranged to identify ones of the plurality of products and quantities thereof and to calculate a rebate total from the identified product quantities and offer data; and

receipt generation means, arranged to generate a receipt;

b) encryption means arranged to encrypt the rebate total to produce encrypted data in the form of a rebate code, the receipt generation means being further arranged such that the generated receipt indicates the rebate code;

c) validation and decryption means arranged to receive a code, to determine that the code is a valid rebate code, and to decrypt the code, when it has been determined as a valid rebate code, so as to reveal the rebate total; and

d) rebate application means arranged to receive the rebate total and to authorize the rebate.

2. The system of claim 1, wherein the rebate application means authorizes the rebate by transmitting a credit message, including an identification of an account of a customer to be credited and the rebate total, to a provider of the customer'"'"'s account.

3. The system of claim 1, wherein the rebate total has a value representative of a reward selected from the list comprising airtime on a mobile (cellular) telephone account, a rebate against a fixed (land line) telephone account, and cash.

4. The system of claim 1, wherein the validation and decryption means and the rebate application means are at a different location from the checkout means and the encryption means.

5. The system of claim 1, wherein the validation and decryption means is arranged to receive the code via either a telephone link, a mobile telephone link, or a computer network link, the code being entered by a sender via a numeric or alphanumeric keypad.

6. The system of claim 1, wherein the receipt generation means is further arranged such that the generated receipt indicates the rebate total, as well as the rebate code.

7. The system of claim 1, wherein the receipt generation means is further arranged such that the generated receipt indicates a rebate code and optionally, a rebate total as well, for each of the identified products having an offer value greater than zero.

8. The system ofclaim 1, further comprising identifier code generation means arranged to generate an identifier code prior to a customer purchase, the generated identifier code being stored in both the checkout memory means and the validation and decryption means.

9. The system of any one of claim 1, wherein the transaction means is arranged to generate an identifier code at a time of purchase and to transmit the identifier code to the validation and decryption means.

10. The system of claim 8, wherein the encryption means is arranged to generate the rebate code on the basis of at least the identifier code and the rebate total.

11. The system of claim 8, wherein the means for generating the identifier code is further arranged to generate a price pad associated with the identifier code, the price pad being stored at the same times as the identifier code, the encryption means being further arranged to use the price pad to encrypt the rebate total and the validation and decryption means being further arranged to use the price pad to decrypt the second code.

12. The system of claim 11, wherein the price pad is formed of a first number of characters in a first base format, the first number and first base format being identical to a second number and a second base format of the rebate total, wherein the encryption means is arranged to encrypt the rebate total by operating on characters of the rebate total with respective characters of the price pad in a predetermined manner.

13. The system of claim 8, wherein the rebate application means is arranged to authorise the rebate only if i) the received code is syntactically valid, ii) the live code is recognised by the validation and decryption means, and iii) the rebate total derived from the received code is reconciled with reconciliation information subsequently received by the validation and decryption means.

14. The system ofclaim 9, wherein the encryption means is arranged to generate the rebate code on the basis of at least the identifier code and the rebate total.

15. The system of claim 1, wherein the receipt indicating the rebate code is received by a customer, the validation and decryption means being further arranged to receive the rebate code from the customer.

24. The system of claim 9, wherein the means for generating the identifier code is further arranged to generate a price pad associated with the identifier code, the price pad being stored at the same times as the identifier code, the encryption means being further arranged to use the price pad to encrypt the rebate total and the validation and decryption means being further arranged to use the price pad to decrypt the second code.

25. The system of claim 24 wherein the price pad is formed of a first number of characters in a first base format, the first number and first base format being identical to a second number and a second base format of the rebate total, wherein the encryption means is arranged to encrypt the rebate total by operating on characters of the rebate total with respective characters of the price pad in a predetermined manner.

26. The system of claim 9, wherein the rebate application means is arranged to authorise the rebate only if i) the received code is syntactically valid, ii) the live code is recognised by the validation and decryption means, and iii) the rebate total derived from the received code is reconciled with reconciliation information subsequently received by the validation and decryption means.

27. The system of claim 1, wherein the encryption means is further arranged to encrypt at least the rebate total to produce encrypted data in base-12 format.

16. A data processing method for a checkout rebate scheme, comprising the steps of:

a) identifying ones of products from a plurality of products for purchase stored in checkout memory means;

b) identifying quantities and offer data of the identified products;

c) calculating a rebate total from the identified quantities and offer data;

d) encrypting the rebate total using encryption means to produce encrypted data in the form of a rebate code;

e) generating a receipt using receipt generation means and indicating the rebate code on the generated receipt;

f) issuing the generated receipt to a customer;

g) receiving at validation and decryption means a code from a sender;

h) determining that the code is a valid rebate code and decrypting the code to reveal the rebate total using the validation and decryption means; and

i) receiving the rebate total at rebate application means and authorising the rebate.

17. The method of claim 16 wherein the step of authorising the rebate includes transmitting a credit message, including an identification of an account of a customer to be credited and the rebate total, to a provider of the customer=s account.

18. The method of claim 16, wherein an identifier code is generated prior to a customer purchase and stored in both the checkout memory means and the validation and decryption means.

19. The method of claim 16, wherein an identifier code is generated at a time of purchase and is subsequently transmitted to the validation and decryption means.

20. The method of claim 18, in which the encryption means generate the rebate code on the basis of at least the identifier code and the rebate total.

21. The method of claim 18, wherein a price pad associated with the identifier code is generated and stored at the same times as the identifier code and the price pad is used to encrypt the rebate total and subsequently to decrypt the received code.

22. The method of claim 18, wherein the rebate is authorised only if i) the received code is syntactically valid, ii) the identifier code is recognised by the validation and decryption means, and iii) the rebate total derived from the received code is reconciled with reconciliation information subsequently received by the validation and decryption means.

23. The method of claim 16, wherein the encryption means encrypt at least the rebate total to produce encrypted data in base-12 format.

28. The method of claim 23, in which the encryption means generate the rebate code on the basis of at least the identifier code and the rebate total.

29. The method of claim 23, wherein a price pad associated with the identifier code is generated and stored at the same times as the identifier code and the price pad is used to encrypt the rebate total and subsequently to decrypt the received code.

30. The method of claim 23, wherein the rebate is authorised only if i) the received code is syntactically valid, ii) the identifier code is recognised by the validation and decryption means, and iii) the rebate total derived from the received code is reconciled with reconciliation information subsequently received by the validation and decryption means.