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Consumer incentive system and business method

  • US 20050251442A1
  • Filed: 05/07/2004
  • Published: 11/10/2005
  • Est. Priority Date: 05/07/2004
  • Status: Abandoned Application
First Claim
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1. A method for delivering consumer incentives, comprising:

  • (a) maintaining a database of consumer-customer club members and identification data;

    (b) conducting a retailing transaction, comprising;

    (I) receiving a consumer-customer for a retail sales transaction at a first retail establishment;

    (II) receiving an identification input associated with said consumer-customer at said first retail establishment;

    (III) comparing said identification input to said identification data to determine whether said identification input is associated with a consumer-customer club member having an associated bank account; and

    (IV) in response to a determination that said identification input is associated with a consumer-customer club member, applying an incentive generating rule to said retail sales transaction;

    (c) in response to a determination that said identification input is not associated with a consumer-customer club member, offering club membership to consumer-customer;

    (d) in response to acceptance of said offer of club membership, implementing an associated bank account, associated with said accepting consumer-customer, at a banking institution;

    (e) associating said bank account with an account number;

    (f) using a computing device to store in a database, associated with said banking institution, information respecting said bank account, associated with said accepting consumer-customer, at said banking institution; and

    (g) conducting a banking transaction, comprising;

    (I) receiving said identification input associated with said consumer-customer at said banking institution;

    (II) receiving from said consumer-customer of said banking institution a banking transaction request;

    (III) comparing said identification input to said identification data to determine the consumer-customer club member with whom said identification input is associated; and

    (IV) in response to said determination of the associated consumer-customer club member executing said banking transaction request.

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