METHOD AND APPARATUS FOR DEFINING ROUTING OF CUSTOMERS BETWEEN MERCHANTS

• US 20080201194A1
• Filed: 04/29/2008
• Published: 08/21/2008
• Est. Priority Date: 10/05/1998
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: Inventor Holdings LLC (Walker Innovation Inc. (f/k/a Patent Properties, Inc.))
• Inventors: Jorasch, James A., Van Luchene, Andrew S., Tedesco, Daniel E., Walker, Jay S., Mik, Magdalena
• Granted Patent: US 8,751,297 B2
• Time in Patent Office: Days
• US Class Current: 705/8
• CPC Class Codes: G06Q 10/06311 Scheduling, planning or task assignment for a person or group
• CPC Class Codes: G06Q 10/06316 Sequencing of tasks or work
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• 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: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0211 Determining the effectiveness of discounts or incentives
• CPC Class Codes: G06Q 30/0219 based on funds or budget
• CPC Class Codes: G06Q 30/0231 Awarding of a frequent usage incentive independent of the monetary value of a good or service purchased, or distance travelled
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• 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 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0611 Request for offers or quotes
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G07G 1/14 Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00

Abstract

A server or Internet service provider computer selects a soliciting merchant and an outputting merchant based on various factors. In one embodiment, the soliciting merchant is selected is its activity rate (e.g. sales rate) is low. The outputting merchant provides offers for bonuses to customers on behalf of the soliciting merchant. The bonus is provided to the customer in exchange for consummating a transaction with the soliciting merchant. Thus, the soliciting merchant benefits from the increased patronage such offers encourage.

Claims

1. A method, comprising:

receiving transaction data from a customer, the transaction data received by an outputting merchant participating in a system for providing an offer for a bonus;

selecting a soliciting merchant from a plurality of soliciting merchants participating in the system for providing an offer for a bonus, the selection based on at least one rule for determining a respective priority for each of the plurality of soliciting merchants; and

outputting an offer for a bonus to the customer of the outputting merchant on behalf of the soliciting merchant.

2. The method of claim 1, in which receiving the transaction data comprises receiving the transaction data at a web site of the outputting merchant.

3. The method of claim 2, in which outputting the offer comprises transmitting a link to the customer for accessing the offer for the bonus.

4. The method of claim 3, wherein the link comprises at least one of a hyperlink, a banner advertisement, or a new window.

5. The method of claim 3, wherein the link provides access to a web site of the soliciting merchant.

6. The method of claim 1, in which receiving the transaction data comprises receiving the transaction data at a point of sale terminal.

7. The method of claim 1, in which outputting the offer comprises providing the offer to the customer at a point-of-sale of the outputting merchant.

8. The method of claim 7, wherein the offer for the bonus is provided in exchange for consummating a transaction with the soliciting merchant.

9. The method of claim 7, in which providing the offer comprises displaying the offer at the point-of-sale to the customer.

10. The method of claim 7, in which providing the offer comprises prompting an operator of the point-of-sale to verbally present the offer to the customer.

11. The method of claim 7, in which providing the offer comprises printing the offer at the point-of-sale on a receipt to be provided to the customer.

12. The method of claim 1, in which outputting the offer comprises providing the offer to a customer of the outputting merchant while the customer is logged on to a Web site of the outputting merchant.

13. The method of claim 12, in which providing the offer comprises displaying an indication of the offer to the customer via the Web site.

14. The method of claim 13, in which displaying an indication of the offer comprises providing a hyperlink to a Web site of the soliciting merchant.

15. The method of claim 1, in which outputting the offer for the bonus further comprises providing a telephone number of the soliciting merchant.

16. The method of claim 1, in which selecting the soliciting merchant comprises selecting the soliciting merchant based on an outputting merchant.

17. The method of claim 1, in which selecting the soliciting merchant comprises basing the selection on a location of a physical store of the outputting merchant and a location of a physical store of the soliciting merchant.

18. The method of claim 1, wherein the at least one rule is based on a class of outputting merchant.

19. The method of claim 1, wherein the at least one rule is based on a class of soliciting merchant.

20. The method of claim 1, wherein the at least one rule is used to select the soliciting merchant with the highest priority.

21. The method of claim 1, wherein the at least one rule is active during a predetermined time period.

22. The method of claim 1, in which the at least one rule applies to an activity rate of the soliciting merchant.

23. The method of claim 22, wherein the activity rate is based on a number of sales of a predetermined product.

24. The method of claim 1, wherein the at least one rule comprises a prioritization by merchant class.

25. The method of claim 1, wherein the at least one rule comprises a prioritization by an amount of funds paid.

26. The method of claim 1, further comprising:

determining that the customer completed a first transaction with the outputting merchant;

determining that the customer completed a second transaction with the soliciting merchant; and

providing the bonus to the customer.

27. The method of claim 1, further comprising receiving an indication from a point of sale terminal that the customer accepted the offer.

28. The method of claim 27, further comprising:

receiving an indication that the customer completed a transaction with the soliciting merchant; and

providing the bonus to the customer.

29. The method of claim 1, further comprising, prior to outputting the offer for the bonus, determining that the customer satisfied predetermined criteria.

30. The method of claim 1, further comprising receiving a budget amount associated with the soliciting merchant and defining the maximum aggregate value of offered bonuses.

31. The method of claim 1, further comprising, prior to outputting the offer, determining a budget amount of the soliciting merchant.

32. The method of claim 31, further comprising setting the value of the bonus based on the budget amount.

33. The method of claim 31, further comprising freezing a portion of the budget amount, the portion based on a value of the bonus.

34. The method of claim 33, further comprising unfreezing the portion of the budget amount if the offer expires.

35. A computer readable medium for storing instructions configured to direct a processor to:

receive transaction data from a customer, the transaction data received by an outputting merchant participating in a system for providing an offer for a bonus;

select a soliciting merchant from a plurality of soliciting merchants participating in the system for providing an offer for a bonus, the selection based on at least one rule for determining a respective priority for each of the plurality of soliciting merchants; and

output an offer for a bonus to the customer of the outputting merchant on behalf of the soliciting merchant.

36. The computer readable medium of claim 35, in which the instructions for receiving transaction data comprise instructions configured to direct the processor to receive the transaction data at a web site of the outputting merchant.

37. The computer readable medium of claim 36, in which the instructions for outputting the offer comprise instructions configured to direct the processor to transmit a link to the customer for accessing the offer for the bonus.

38. The computer readable medium of claim 35, in which the instructions for receiving transaction data comprise instructions configured to direct the processor to receive the transaction data at a point of sale terminal.

39. The computer readable medium of claim 35, in which the instructions for outputting the offer comprise instructions configured to direct the processor to provide the offer to the customer at a point-of-sale of the outputting merchant.

40. The computer readable medium of claim 39, further comprising instructions configured to direct the processor transmit instructions to provide the offer for the bonus in exchange for the consumer consummating a transaction with the soliciting merchant.

41. The computer readable medium of claim 39, further comprising instructions configured to direct the processor transmit instructions to display the offer at the point-of-sale to the customer.

42. The computer readable medium of claim 39, further comprising instructions configured to direct the processor transmit instructions to prompt an operator of the point-of-sale to verbally present the offer to the customer.

43. The computer readable medium of claim 39, further comprising instructions configured to direct the processor transmit instructions to print the offer at the point-of-sale on a receipt to be provided to the customer.

44. The computer readable medium of claim 35, in which the instructions for outputting the offer comprise instructions configured to direct the processor to provide the offer to a customer of the outputting merchant while the customer is logged on to a Web site of the outputting merchant.

45. The computer readable medium of claim 44, in which the instructions for providing the offer comprise instructions configured to direct the processor to display an indication of the offer to the customer via the Web site.

46. The computer readable medium of claim 45, in which the instructions for displaying the offer comprise instructions configured to direct the processor to provide a hyperlink to a Web site of the soliciting merchant.

47. The computer readable medium of claim 35, in which the instructions for outputting the offer comprise instructions configured to direct the processor to provide a telephone number of the soliciting merchant.

48. The computer readable medium of claim 35, in which the instructions for selecting the soliciting merchant comprise instructions configured to direct the processor to select the soliciting merchant based on an outputting merchant.

49. The computer readable medium of claim 35, in which the instructions for selecting the soliciting merchant comprise instructions configured to direct the processor to base the selection on a location of a physical store of the outputting merchant and a location of a physical store of the soliciting merchant.

50. The computer readable medium of claim 35, in which the instructions for selecting the soliciting merchant further comprises instructions configured to direct the processor to apply a rule based on a class of outputting merchant.

51. The computer readable medium of claim 35, in which the instructions for selecting the soliciting merchant further comprises instructions configured to direct the processor to apply a rule based on a class of soliciting merchant.

52. The computer readable medium of claim 35, in which the instructions for selecting the soliciting merchant further comprises instructions configured to direct the processor to select the soliciting merchant with the highest priority.

53. The computer readable medium of claim 35, in which the instructions for selecting the soliciting merchant further comprises instructions configured to direct the processor to determine that a rule is active before applying the rule.

54. The computer readable medium of claim 35, in which the instructions for selecting the soliciting merchant further comprises instructions configured to direct the processor to apply a rule based on an activity rate of the soliciting merchant.

55. The computer readable medium of claim 35, in which the instructions for selecting the soliciting merchant further comprises instructions configured to direct the processor to apply a rule based on a prioritization by merchant class.

56. The computer readable medium of claim 35, in which the instructions for selecting the soliciting merchant further comprises instructions configured to direct the processor to apply a rule based on a prioritization by an amount of funds paid.

57. The computer readable medium of claim 35, further comprising instructions configured to direct the processor to:

determine that the customer completed a first transaction with the outputting merchant;

determine that the customer completed a second transaction with the soliciting merchant; and

provide the bonus to the customer.

58. The computer readable medium of claim 35, further comprising instructions configured to direct the processor to receive an indication from a point of sale terminal that the customer accepted the offer.

59. The computer readable medium of claim 58, further comprising instructions configured to direct the processor to:

receive an indication that the customer completed a transaction with the soliciting merchant; and

provide the bonus to the customer.

60. The computer readable medium of claim 35, further comprising instructions configured to direct the processor to, prior to outputting the offer for the bonus, determine that the customer satisfied predetermined criteria.

61. The computer readable medium of claim 35, further comprising instructions configured to direct the processor to receive a budget amount associated with the soliciting merchant and defining the maximum aggregate value of offered bonuses.

62. The computer readable medium of claim 35, further comprising instructions configured to direct the processor to, prior to outputting the offer, determine a budget amount of the soliciting merchant.

63. The computer readable medium of claim 62, further comprising instructions configured to direct the processor to set the value of the bonus based on the budget amount.

64. The computer readable medium of claim 62, further comprising instructions configured to direct the processor to freeze a portion of the budget amount, the portion based on a value of the bonus.

65. The computer readable medium of claim 64, further comprising instructions configured to direct the processor to unfreeze the portion of the budget amount if the offer expires.

66. An apparatus, comprising:

a storage device; and

a processor operatively connected to the storage device, wherein the storage device includes a program configured to direct the processor to;

receive transaction data from a customer, the transaction data received by an outputting merchant participating in a system for providing an offer for a bonus;

select a soliciting merchant from a plurality of soliciting merchants participating in the system for providing an offer for a bonus, the selection based on at least one rule for determining a respective priority for each of the plurality of soliciting merchants; and

output an offer for a bonus to the customer of the outputting merchant on behalf of the soliciting merchant.