Consumer data credit or debit card

• US 20060242084A1
• Filed: 04/25/2005
• Published: 10/26/2006
• Est. Priority Date: 04/25/2005
• Status: Abandoned Application

• Current Assignee: Manuel Brad Moses
• Original Assignee: Manuel Brad Moses
• Inventors: Moses, Manuel Brad
• Application Number:
  US11/113,425
• Publication Number:
  US 20060242084A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• 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

Abstract

A consumer data credit card or debit card or personal computer wallet linked to an Internet master catalogue of products. The consumer data card empowers the small credit card or debit cardholder against retailers, by mining and analyzing their consumer profile data, for anticipated purchases, and then leveraging the consumer'"'"'s offers on specific products, for group discounts. It uses a new business method for pooling, options, and brokering dispersals of consumer'"'"'s offers to retailers; via the Internet for price discounts. The consumer'"'"'s card is encrypted as an origin code, for privacy, of their personal consumer profile data being dispersed. The master catalogue is linked via the Internet to remote computer display kiosks, at shopping and information stations, allowing for in-store display of discounts; geared to specific cardholders, and to facilitate in store shopping and checkout; by the personal computer wallet and allowing worldwide virtual shopping.

Claims

2. Claim 2 achieving a universal discount of the dedicated customer approved at stores, where the consumer regularly shops, comprising the steps of:

A. obtaining a universal discount by virtue of a simple dispersal of data via the Internet or telephone land line containing the origin code'"'"'s predetermined consumer profile as a target market for anticipated purchases at the product supplier store or Internet point of sale;

B. establishing a periodic unit of time threshold for an in store visit or product purchase or web site visit to meet the minimum eligibility standards to be considered a dedicated customer;

C. tracking past and present purchasing data of the consumer cardholder for recorded purchases that meet minimum standards;

D. regular dispersals of consumer data to the retailer confirming in store visits;

E. consumer'"'"'s buying habits and purchasing power is linked to other data cardholders for added leverage in brokering a universal discount of their savings to the product supplier linked to the Internet;

F. competitive price comparison section in the Internet master catalogue between local merchants displaying their competing shopping information including per product price or comparison universal discount;

G. the consumer is given specific email or regular mail directives on purchases to maximize their leveraging power;

H. continued dispersals of consumer data in an attempt to broker discounts for specific products or overall discount by steering customer business to proper store.

3. Claim 3 comprising the establishment over the Internet of a universal master catalogue of manufacturers, goods, products, and services also known generically as:

product suppliers, and linking the consumer data credit card or debit card and comprising the steps of;

A. product and service offer advertisements are posted on Internet coming in from product suppliers consisting of discounted and non-discounted products and going into the “

General Section”

of the catalogue;

B. product and service offer advertisements are posted on Internet coming in from product suppliers and some qualifying to go into the “

Best Buys”

section of the catalogue;

C. product and service offer advertisements are posted on Internet coming in from product suppliers, then going into the “

Hot Brands”

section of the catalogue;

D. consumer data cardholder'"'"'s origin web address (home page of the master catalogue) has an option for encryption of their web or Internet service provider'"'"'s address or home address and Internet cookies remain unknown, as they search the catalogue;

E. consumer data cardholder can option to leave the Internet cookies to us;

to track and disperse their data of visits through the entire Internet catalogue or general Internet visits outside the catalogue to product suppliers;

F. consumer data cardholder can option to allow the advertisers to view their Internet cookies while visiting the catalogue allowing them to receive discount offers based on their recent views;

G. consumer data cardholder searches the catalogue updating their profile by clicking through on product icon to demonstrate product interest for potential price reduction offer from product supplier linked to the Internet or;

H. consumer data cardholder can limit the amount of solicitations that come through in regulating pop up ads and regular web solicitations for specific types of products and thus enhance their focus for the things that they really desire and anticipate purchasing;

I. in the alternative partial or all control blocking of internet ads can be taken away from the consumer

J. requests for solicitations from product suppliers in the Internet catalogue can be by accomplished clicking on category of products or by clicking on brand or by clicking on store or by clicking on geographic region for all stores or selected stores in the geographic region;

K. consumer can request a product search by key word search and request a discount for the product by simply clicking on the product or simply enter and price offer for the product;

L. in the alternative consumer can request its offer be bulked with other consumer requests into a consumer pool for leveraged discounts;

M. consumer can request an advisory on any product for pooling or price discount information from the consumer data center;

N. consumer can be instructed by the data processing center to make a hidden pool of group data, to be held in abeyance, for a specific product, for a group offer to the product supplier;

O. consumer can follow recommendation for price discount offer based on posting a general figure through their origin master catalogue or in conjunction with total numbers of consumer data cardholders requesting a discount;

P. all consumer'"'"'s offer data can be hidden from the product supplier for brokering in later dispersals from an open pool;

Q. in the alternative all consumer data can appear notoriously in an open pool posted in the master catalogue or revealing consumer data in streaming data dispersals directly to the individual merchant;

R. consumer data that is brokered is leveraged in a carrot and stick—

by stages approach—

achieving greater and greater discounts for the entire pool in the final strike price;

S. in the alternative product supplier linked to the Internet can set incentive pool discount(s) basing prices on total offers openly received;

T. in the alternative product supplier using the carrot and stick approach to the consumers can offer product and accept offers, in stages—

higher priced discounts—

as more people come into the pool—

as an incentive to get more people to make a firm offer on the product with time limit on the pool;

U. in the alternative the product supplier can run real time offers in and run real time rejections and acceptances;

V. in the pool a consumer can request an option to purchase the product at a specific price for an option fee;

W. in the alternative without a fee;

a rain-check can be issued which is (transferable or non-transferable), the rain check expiring at a specific period of time;

X. in the alternative consumer can take on line coupons of existing discounts and pre set redemption for actual point of purchase without having to print our the coupon;

Y. in the alternative consumer profile can be automatically linked to all discount coupons offered by the store, without a need for offering the coupon for redemption, but merely having to purchase the product as it is part of their discount profile.

Z. all sales transactions are processed, true data cardholder'"'"'s number is revealed or check payments routed electronically;

AA. associated overall statistics of the bulk sale is charted and posted on the Internet to educate the consumer on future offers;

BB. continuing data storage, mining, and analysis which updates the consumer profile to continue the above mentioned cycle for new products, goods or services.

6-1. Claim 6, is dependent on claim 1 or 2 or 3 or 4 or 5, and concerns the pooling of consumer offers in the “

Competitive Products”

catalogue sections (conducive to any product offered in competition including, insurance or health maintenance organizations or interest loan rate and comprising the following steps;

A. consumer data cardholder is given descriptive information about the competing products side by side, and time limit of an open pool for offers on the products;

B. consumer can update their profile to the specifications of the competitive pool and offers can come through to the consumers directly and individually;

C. in the alternative each consumer can update their profile to the specifications of the competitive pool, and offers can come through to the consumer pool as a group, and be subsequently posted notoriously on the Internet with a subsequent confirmation of the consumer'"'"'s eligibility sent to each individual separately;

D. all offers from product suppliers to all parties remain open for all product suppliers and consumers to view;

E. in the alternative product suppliers do not know the competitive pricing of their competitors only the consumer and data processing center does;

F. consumer can make offers to one or multiple product suppliers at the same time, and need only accept one acceptance within a specified time;

G. in the alternative consumer can only make firm offer to one product supplier who must reject within a specified time;

H. in the alternative all offers are held in abeyance for dispersals and leveraging by the consumer data center;

O. in the alternative consumer data cardholder decides to make a firm discount offer (hot lead), for the product at the recommended data center discount price or at any discount price directly to the product supplier;

J. product supplier can make a counteroffer or acceptance;

K. in the alternative product supplier can set levels of the discount based on a singular overall discount of total offers received or in a carrot and stick approach for shoppers by exhibited increased levels of savings depending upon the total numbers of people who participate with firm offers—

all offerors share equally in the strike price—

regardless of their prior offer under this method;

L. in the alternative offerors do not share equally but their acceptances are based on their original offer if within range of the strike price;

M. consumer data cardholder decides to flag an undecided (warm lead) interest in the product at their possible purchase price;

N. product supplier can make various counteroffer incentives related or unrelated to price but something of value;

O. consumer data cardholder can pay a fee to secure an option to lock in a final offer final strike sales price;

P. in the alternative option can be at a different cost for a different price for example, a lower or higher price;

the lower the price the more expensive the option;

Q. in the alternative retailer can reject an option;

R. in the alternative retailer has to accept all options;

S. in the alternative all consumer data cardholder offers hot, and warm leads and options to buy which are bulked and analyzed, to broker the leads, to the product supplier and are leveraged to lower the price;

T. leads are sent to the product supplier in a series of bulk dispersals or data streams to maximize the lowest price in a carrot and stick approach;

U. product supplier may be permitted the opportunity to post a counter offer to the group or directly to the individual leads which is set to expire at a specified time;

V. product supplier acceptance or counter-proposed price at its various levels is posted on the Internet in the master catalogue;

W. in the alternative acceptances are by individual email notifications or posted in the origin master catalogue of each origin code.

X. a second or more round of steps A.-W take place, until the final strike price is for all consumers is locked in;

Y. option holders do not benefit equally, but must opt to pay the option price, unless they bought a strike price option;

Z. all sales transactions are processed and true data cardholder'"'"'s number is revealed or check payments routed electronically;

AA. associated overall statistics of the bulk sale are charted and posted on the Internet to educate the consumer on future offers;

BB. continuing data storage, mining, and analysis which updates the consumer profile to continue the above mentioned cycle for new products, goods, or services;