Method and apparatus to facilitate the electronic accumulation and redemption of a value in an account

• US 20050144071A1
• Filed: 06/17/2004
• Published: 06/30/2005
• Est. Priority Date: 09/30/2003
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Chu, Peter, Chastagnol, Franck, Albert, Donald L., Chen, Steve, Monahan, Jay, Lee, Aaron Kwong Yue
• Application Number:
  US10/871,628
• Publication Number:
  US 20050144071A1
• Time in Patent Office: Days
• US Class Current: 705/14.270
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems

Abstract

An automated system to facilitate redemption of value against a single purchase price includes a first module to allocate a first value, of a first value type, to a user within a transaction system. The first module is further to allocate a second value, of a second value type different from the first value type, to the user within the transaction system. A second module is to enable a user to redeem both the first value and the second value against a single purchase price.

Claims

1. An automated system to facilitate a redemption of value against a single purchase price, the system including:

a first module to allocate a first value, of a first value type, to a user within a transaction system, and to allocate a second value, of second value type different from the first value type, to the user within the transaction system; and

a second module to enable the user to redeem both the first value and the second value against the single purchase price.

2. The system of claim 1, wherein each of the first and the second value types is an incentive value type.

3. The system of claim 2, wherein the incentive value type is any one of a group of incentive value types, including a point, gift certificate and coupon value type.

4. The system of claim 1, wherein the first value is a flat discount value and the second value is a percentage value discount.

5. The system of claim 4, wherein the second module is to apply the percentage discount value against the purchase price to generate a first discounted purchase price, and to apply the flat discount value against the first discounted price to generate a second discounted purchase price.

6. The system of claim 5, wherein the second module is to apply a plurality of flat discount values against the first discounted purchase price to generate the second discounted price, to determine whether the second discounted purchase price transgresses a threshold and, if so, then to reverse the application of at least one of the plurality of flat discount values until the second discounted purchase price does not exceed the threshold.

7. The system of claim 1, wherein the second module is to present the user with a plurality of values for redemption against the purchase price, and to detect user-selection of the first and second values for redemption against the purchase price.

8. An automated method to facilitate a redemption of value against a single purchase price, the method including:

allocating a first value, of a first value type, to a user within a transaction system;

allocating a second value, of second value type different from the first value type, to the user within the transaction system; and

enabling the user to redeem both the first value and the second value against the single purchase price.

9. The method of claim 8, wherein each of the first and the second value types is an incentive value type.

10. The method of claim 9, wherein the incentive value type is any one of a group of incentive value types, including a point, gift certificate and coupon value type.

11. The method of claim 8, wherein the first value is a flat discount value and the second value is a percentage value discount.

12. The method of claim 11, wherein the enabling includes applying the percentage discount value against the purchase price to generate a first discounted purchase price, and applying the flat discount value against the first discounted price to generate a second discounted purchase price.

13. The method of claim 12, including applying a plurality of flat discount values against the first discounted purchase price to generate the second discounted price, determining whether the second discounted purchase price transgresses a threshold and, if so, then reversing the application of at least one of the plurality of flat discount values until the second discounted purchase price does not exceed the threshold.

14. The method of claim 8, wherein the redeeming includes presenting the user with a plurality of values for redemption against the purchase price, and detecting user-selection of the first and second values for redemption against the purchase price.

15. An automated system to facilitate accumulation of value in an account of a user, the system including:

an accumulation module to receive, from a user, first activity information regarding a first activity performed by the user and responsive to receipt of the first activity information, to allocate a first value of a first value type to an account associated with the user; and

to receive, from the user, second activity information regarding a second activity performed by the user and responsive to receipt of the second activity information, to allocate a second value of a second value type to the account associated with the user, the first and second value types being different value types; and

a redemption module to enable the user to redeem the first and second values against a single purchase price.

16. The system of claim 15, wherein the first activity is a purchase activity.

17. The system of claim 16, wherein the first activity information includes verifiable purchase information.

18. The system of claim 15, including a loyalty system to associate a promotional code with a purchase opportunity, and wherein the first activity information includes the promotional code associated with the purchase opportunity to which the purchase activity relates.

19. The system of claim 15, wherein the second activity is a non-purchase activity.

20. The system of claim 19, wherein the second activity is any one of a group of activities including a reading activity, and a weight loss activity.

21. The system of claim 15, wherein the second activity information includes a product identifier to identify a product relating to the second activity.

22. The system of claim 21, wherein the second activity includes reading a book, and the product identifier comprises an ISBN code of the book.

23. The system of claim 21, wherein product identifier includes any one of a group of product identifiers including a Universal Product Code (UPC), an EAN code, and an EPC code.

24. The system of claim 15, wherein the first activity is a purchase-related activity, and the second activity is a nonpurchase-related activity.

25. The system of claim 15, wherein the accumulation module is to perform a lookup, within a memory structure, to determine the first value, the lookup being performed utilizing the first activity information.

26. The system of claim 25, wherein the first activity information includes a product identifier, and wherein the lookup includes identifying the first value as being associated with a product identified by the product identifier.

27. The system of claim 15, wherein the accumulation module is to perform a lookup, within a memory structure, to determine the second value, the lookup being performed utilizing the second activity information.

28. The system of claim 15, wherein the accumulation module is to update an account value, stored within a memory structure, to include the respective first and second values.

29. The system of claim 15, wherein at least one of the first and second values is a proprietary currency.

30. The system of claim 29, wherein the proprietary currency is a point-based currency.

31. The system of claim 15, wherein the accumulation module is to make no distinction between the first and second values once allocated to the account associated with the user.

32. The system of claim 15, wherein the first and second values are distinguishable once allocated to the account of the user.

33. The system of claim 15, including a statistics module to track at least second activity information as received from a plurality of users, and to calculate statistical information regarding performance of the second activity by the plurality of users.

34. The system of claim 33, wherein the statistical information includes product information identifying at least one product associated with the second activity.

35. The system of claim 34, wherein the statistics module is to communicate the statistical information, including the product information, to a further user.

36. The system of claim 35, wherein the product information is communicated in conjunction with purchase opportunity information so as to present a purchase opportunity relating to the product identified by the product information to the further user.

37. An automated method to facilitate accumulation of value in an account of a user, the method including:

receiving, from a user, first activity information regarding a first activity performed by the user;

responsive to receipt of the first activity information, allocating a first value of a first value type to an account associated with the user;

receiving, from the user, second activity information regarding a second activity performed by the user;

responsive to receipt of the second activity information, allocating a second value of a second value type to an account associated with the user, the first and second value types being different value types; and

enabling the user to redeem the first and second values against a single purchase price.

38. The method of claim 37, wherein the first activity is a purchase activity.

39. The method of claim 38, wherein the first activity information includes verifiable purchase information.

40. The method of claim 37, including prior to the purchase activity, associating a promotional code with a purchase opportunity, and wherein the first activity information includes the promotional code associated with the purchase opportunity to which the purchase activity relates.

41. The method of claim 37, wherein the second activity is a non-purchase activity.

42. The method of claim 41, wherein the second activity is any one of a group of activities including a reading activity, and a weight loss activity.

43. The method of claim 37, wherein the second activity information includes a product identifier to identify a product relating to the second activity.

44. The method of claim 43, wherein the second activity includes reading a book, and the product identifier comprises an ISBN code of the book.

45. The method of claim 43, wherein product identifier includes any one of a group of product identifiers including a Universal Product Code (UPC), an EAN code, and an EPC code.

46. The method of claim 37, wherein the first activity is a purchase-related activity, and the second activity is a nonpurchase-related activity.

47. The method of claim 37, wherein the allocation of the first value to the account associated with the user includes performing a lookup, within a memory structure, to determine the first value, the lookup being performed utilizing the first activity information.

48. The method of claim 47, wherein the first activity information includes a product identifier, and wherein the lookup includes identifying the first value as being associated with a product identified by the product identifier.

49. The method of claim 37, wherein the allocation of the second value to the account associated with the user includes performing a lookup, within a memory structure, to determine the second value, the lookup being performed utilizing the second activity information.

50. The method of claim 37, wherein the allocation of each of the first and second values to the account associated with the user includes updating an account value, stored within a memory structure, to include the respective first and second values.

51. The method of claim 37, wherein at least one of the first and second values is a proprietary currency.

52. The method of claim 51, wherein the proprietary currency is a point-based currency.

53. The method of claim 37, wherein no distinction is made between the first and second values once allocated to the account associated with the user.

54. The method of claim 37, wherein the first and second values are distinguishable once allocated to the account of the user.

55. The method of claim 37, including tracking at least second activity information as received from a plurality of users, and calculating statistical information regarding performance of the second activity by the plurality of users.

56. The method of claim 55, wherein the statistical information includes product information identifying at least one product associated with the second activity.

57. The method of claim 56, including communicating the statistical information, including the product information, to a further user.

58. The method of claim 57, wherein the product information is communicated in conjunction with purchase opportunity information so as to present a purchase opportunity relating to the product identified by the product information to the further user.

59. An automated system to facilitate a redemption of value against a purchase price, the system including:

first means for allocating a first value, of a first value type, to a user within a transaction system, and for allocating a second value, of second value type different from the first value type, to the user within the transaction system; and

second means for enabling the user to redeem both the first value and the second value against the purchase price.

60. An automated system to facilitate accumulation of value in an account of a user, the system including:

first means for receiving from a user, first activity information regarding a first activity performed by the user and responsive to receipt of the first activity information, for allocating a first value of a first value type to an account associated with the user; and

for receiving, from the user, second activity information regarding a second activity performed by the user and responsive to receipt of the second activity information, for allocating a second value of a second value type to the account associated with the user, the first and second value types being different value types; and

second means for enabling the user to redeem the first and second values against a single purchase price.

61. A machine-readable medium storing a set of instructions that, when executed by a machine, cause the machine to perform an automated method to facilitate a redemption of value against a purchase price, the method including:

allocating a first value, of a first value type, to a user within a transaction system;

allocating a second value, of second value type different from the first value type, to the user within the transaction system; and

enabling the user to redeem both the first value and the second value against the purchase price.

62. A machine-readable medium storing a set of instructions that, when executed by a machine, cause the machine to perform an automated method to facilitate accumulation of value in an account of a user, the method including:

receiving, from a user, first activity information regarding a first activity performed by the user;

responsive to receipt of the first activity information, allocating a first value of a first value type to an account associated with the user;

receiving, from the user, second activity information regarding a second activity performed by the user;

responsive to receipt of the second activity information, allocating a second value of a second value type to an account associated with the user, the first and second value types being different value types; and

enabling the user to redeem the first and second values against a single purchase price.