Delivery, organization, and redemption of virtual offers from the Internet, interactive-TV, wireless devices and other electronic means

• US 20070250380A1
• Filed: 05/03/2006
• Published: 10/25/2007
• Est. Priority Date: 07/07/1999
• Status: Active Grant

• Current Assignee: Jeffrey Mankoff
• Original Assignee: Jeffrey Mankoff
• Inventors: Mankoff, Jeffrey
• Granted Patent: US 7,870,021 B2
• Time in Patent Office: Days
• US Class Current: 705/14.230
• CPC Class Codes: G06F 16/93 Document management systems
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0277 Online advertisement

Abstract

Disclosed are methods and systems for redeeming virtual coupons by associating the coupons with consumers'"'"' credit cards for redemption. In disclosed methods, coupon databases are associated with consumers and associated with the consumers'"'"' credit cards. Coupon offers are stored in the coupon databases and are redeemed by consumers by the use of the credit cards that are associated with the consumers'"'"' coupon databases.

Claims

1. A method of redeeming promotional offers, the method comprising:

a) presenting a promotional offer to a plurality of consumers identified in a list according to their electronic contact addresses, wherein the promotional offer is presented to the consumers with a method of electronically accepting the promotional offer;

b) storing accepted promotional offer data in coupon databases that are associated with payment systems of the consumers who accepted those offers; and

c) redeeming the accepted promotional offer by crediting the consumers'"'"' payment system accounts when the consumers'"'"' payment systems are used for the transaction specified in the promotional offer.

2. The method of claim 1, wherein the list of electronic contact addresses and associated payment system account numbers are provided from a list owner to a card-matching agent which generates cardholder identifiers to identify the plurality of consumers in lieu of their payment system account numbers.

3. The method of claim 2, wherein upon receipt of at least one consumer'"'"'s acceptance of the promotional offer, the list owner provides to the matching agent the cardholder identifier for the at least one consumer.

4. The method of claim 3, wherein upon receipt of the cardholder identifier and the promotional offer data, the matching agent stores the promotional offer data in the coupon database associated with the at least one consumer.

5. The method of claim 4, wherein retailers provide transaction-specific purchase information to the matching agent whereby the matching agent can determine whether consumers'"'"' purchases comprise the redemption of the promotional offer.

6. The method of claim 2, wherein upon receipt of the at least one consumer'"'"'s acceptance of the promotional offer, the matching agent stores the promotional offer data in the coupon database the associated with the at least on consumer.

7. The method of claim 1, wherein at least some of the cardholder identifiers are associated with the promotional offer.

8. The method of claim 1, wherein consumers'"'"' email addresses are associated in the list of consumers with the consumers'"'"' payment system account numbers.

9. The method of claim 1, wherein the promotional offer is presented via an electronic communication to at least one consumer and wherein the electronic communication further comprises the consumer'"'"'s cardholder identifier.

10. The method of claim 9, wherein the consumer electronically accepts the offer by responding to the electronic communication.

11. The method of claim 9, wherein the consumer'"'"'s acceptance includes sending the consumer'"'"'s cardholder identifier in an acceptance electronic message, whereby the accepted promotional offer can be stored in the consumer'"'"'s coupon database.

12. The method of claim 11, wherein a matching agent receives the consumer'"'"'s cardholder identifier in the acceptance electronic message and matches that cardholder identifier with the consumer'"'"'s payment system account.

13. The method of claim 1, wherein the coupon databases are established in a coupon server.

14. The method of claim 13, wherein at least one consumer purchase is cleared through a credit card server, and further comprising the credit card server communicating with the coupon server to determine whether the at least one consumer has an accepted promotional offer to be redeemed by the purchase.

15. The method of claim 14, wherein a redeemed promotional offer is applied at the time of purchase.

16. The method of claim 14, wherein a redeemed promotional offer is applied to the consumer'"'"'s payment system account and reflected in the consumer'"'"'s payment system account statement.

17. The method of claim 16, further comprising sending an email to the consumer notifying of the successful redemption of the redeemed promotional offer.

18. The method of claim 16, further comprising indicating the promotional offer redemption in the consumers'"'"' respective coupon databases.

19. The method of claim 1, wherein the payment system is a credit card.

20. A method for delivery and acceptance of promotional offers, the method comprising:

a) establishing a consumer database list, wherein the database list comprises consumer records and wherein each record comprises fields for an electronic message address and an electronic payment system for individual consumers;

b) associating consumers with records in the database list; and

c) making promotional offers to a plurality of the consumers, wherein one of the offers can only be accepted by a consumer through electronic registration of an electronic delivery means for that consumer in the database list.

21. A method of distributing promotional offers to subscribers to interactive television, the method comprising:

a) creating a promotional offer;

b) distributing the promotional offer to the subscribers according to their established electronic contact addresses associated with the interactive television service, wherein the promotional offer can be electronically accepted by at least one of the subscribers;

c) upon electronic acceptance of the promotional offer, placing the accepted promotional offer in a coupon database associated with the accepting subscriber; and

d) establishing or maintaining an association of the coupon database with the accepting subscriber'"'"'s payment system.

22. The method of claim 21, wherein the acceptance of the promotional offer is made conditional upon an establishment by the accepting subscriber of a payment system associated with the subscriber'"'"'s interactive television account.

23. The method of claim 22, wherein the promotional offer is delivered over a subscription interactive television channel.

24. The method of claim 23, wherein the subscription channel is a shopping channel for which subscriber pays a separate fee.

25. The method of claim 24, wherein the separate fee is credited against purchases made through the subscription-shopping channel.

26. A method of redeeming promotional offers by associating the promotional offers with a consumer'"'"'s payment system for redemption, the method comprising:

a) establishing a coupon database associated with the consumer;

b) associating the coupon database with the consumer'"'"'s payment system account data at a credit card server;

c) storing promotional offers to be redeemed in the coupon database, the promotional offers specifying conditions under which they can be redeemed;

d) redeeming at least one of the promotional offers to the consumer'"'"'s payment system account when the consumer purchases an item specified in the at least one promotional offer.

27. The method of claim 26, wherein the promotional offer is applied in the consumer'"'"'s payment system account statement as a credit for the promotional offer redemption.

28. The method of claim 27, wherein the promotional offer is applied to the total purchase amount at the time that the consumer purchases the item.

29. The method of claim 26, wherein the promotional offer is a voucher that has been purchased for value by the consumer.

30. The method of claim 26, wherein the promotional offers are automatically stored in the coupon database according to a consumer interest profile.

31. The method of claim 26, wherein the item is purchased from an online merchant.

32. The method of claim 26, wherein the item is purchased from a “

brick and mortar”

store.

33. The method of claim 26, and further comprising establishing a personal website for the consumer through which the consumer can view promotional offers stored for redemption.

34. The method of claim 33, wherein the personal website further allows the consumer to manage the consumer'"'"'s promotional offers.

35. The method of claim 26, wherein the coupon database is established to be accessed by a coupon server.

36. The method of claim 26, and further comprising presenting a promotional offer to the consumer for the consumer to select for storage in the coupon database.

37. The method of claim 36, wherein the method of presenting the promotional offer to the consumer is selected from the group consisting of:

delivering the promotional offer to the consumer through an email;

displaying the promotional offer to the consumer as a banner website;

displaying the promotional offer on an interactive television display;

delivering the promotional offer to the consumer'"'"'s cell phone;

delivering the promotional offer to the consumer'"'"'s satellite phone; and

delivering the promotional offer to the consumer'"'"'s personal digital assistant.

38. The method of claim 26, wherein a coupon server is provided to communicate with the credit card server and to provide information from the consumer'"'"'s coupon database to the credit card server.