METHOD AND SYSTEM FOR DYNAMICALLY CUSTOMIZING A TRANSACTION OF SUBSIDIZED GOODS USING AN IDENTITY MEDIUM

• US 20100332308A1
• Filed: 02/27/2008
• Published: 12/30/2010
• Est. Priority Date: 02/27/2008
• Status: Abandoned Application

• Current Assignee: Epetrol Innovation Sendirian Berhad
• Original Assignee: Epetrol Innovation Sendirian Berhad
• Inventors: Yap, Ke Lip, Ngau, Wu Wei, Leong, Yi Hao
• Application Number:
  US12/919,521
• Publication Number:
  US 20100332308A1
• Time in Patent Office: Days
• US Class Current: 705/14.34
• 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 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0234 Rebates after completed purchase
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 50/26 Government or public services business processes related to the transportation industry G06Q50/40

Abstract

A subsidy and payment system dynamically determines a consumer'"'"'s subsidy entitlement status and calculates a customized subsidy applicable to purchase of subsidized goods based on the consumer'"'"'s authenticated government-endorsed identity. The subsidy and payment system additionally facilitates electronic payments from the consumer and subsidy rebates to the consumer in connection with the purchase of subsidized goods based on the authenticated government-endorsed identity without requiring additionally information or actions from the consumer.

Claims

1. A system for dynamically applying a customized subsidy to a purchase of subsidized goods based on a government-endorsed identity associated with a consumer, the system comprising:

an endpoint device configured to capture information from the consumer including capturing information from an identity medium associated with the consumer; and

a server configured to;

enable the consumer to initiate purchase of subsidized goods,

dynamically determine a customized subsidy applicable towards the purchase of the subsidized goods, wherein the dynamically determining comprises automatically determining subsidy entitlement status of the consumer for the purchase based on an authentication of the consumer to a government-endorsed identity using at least a portion of the information captured by the endpoint device and automatically calculating the customized subsidy applicable to the purchase based on one or more characteristics associated with the government-endorsed identity, and

dynamically perform payment settlement for the purchase, wherein performance of the payment settlement comprises automatically initiating a payment transaction from the consumer and automatically obtaining a subsidy rebate for the customized subsidy applied to the purchase.

2. The system of claim 1, wherein automatically initiating a payment transaction from the consumer comprises at least one of automatically initiating a cash payment transaction from the consumer and automatically initiating a payment transaction from a qualified payment account associated with the consumer.

3. The system of claim 1, wherein the identity medium is an identity card having at least one of a magnetic strip and a smart chip and the endpoint device comprises a card reader for capturing at least one of information from the magnetic strip and information from the smart chip.

4. The system of claim 1, wherein the endpoint device comprises an I/O device for capturing input information from the consumer.

5. The system of claim 1, wherein the endpoint device comprises a biometric reader for capturing biometric information from the consumer.

6. The system of claim 1, wherein the server is configured to authenticate the consumer to the government-endorsed identity by comparing at least a portion of the information captured by the endpoint device to information associated with the consumer extracted from one or more secure databases.

7. The system of claim 5, wherein the server comprises an index server having one or more location pointers to relevant information in the one or more secure databases and the server is configured to identify and extract information associated the consumer from at least one location pointed to by a location pointer.

8. The system of claim 5, wherein the one or more secure databases include a government agency database.

9. The system of claim 1, wherein the server is configured to authenticate the consumer to the government-endorsed identity by comparing at least a portion of the information captured by the endpoint device from the identity medium to at least a portion of comparable information captured by the endpoint device from the consumer.

10. The system of claim 1, wherein the server is configured to automatically calculate the customized subsidy applicable to the purchase based on one or more characteristics associated with the government-endorsed identity, wherein the one or more characteristics is at least one of consumer characteristics including at least one of age, driver'"'"'s license class, and income level and vehicle characteristics including at least one of vehicle engine capacity and vehicle emission level.

11. The system of claim 1, wherein the server is configured to extract one or more characteristics associated with the government-endorsed identity from the one or more secure databases.

12. The system of claim 10, wherein the server is further configured to perform a policy schema server process that calculates the customized subsidy applicable to the purchase by applying the one or more characteristics associated with the government-endorsed identity to one or more subsidy policy parameters.

13. The system of claim 11, wherein the server is further configured to score one or more results from application of the one or more characteristics associated with the government-endorsed identity to the one or more subsidy policy parameters.

14. The system of claim 11, wherein the server is further configured to perform a preference schema process that weighs one or more results from application of the one or more characteristics associated with the government-endorsed identity to the one or more subsidy policy parameters relative to each other.

15. The system of claim 1, wherein the server is further configured to utilize a subsidy guide to generate the customized subsidy applicable to the purchase.

16. The system of claim 2, wherein the server is configured to automatically authenticate the consumer to the qualified payment account during payment settlement based on the government-endorsed identity and initiate the payment transaction from the qualified payment account associated with the consumer for at least a portion of the purchase.

17. The system of claim 1, wherein the server is further configured to submit a request for the subsidy rebate associated with the purchase to a subsidy agency.

18. The system of claim 2, wherein the server is further configured to facilitate payment of the subsidy rebate to the qualified payment account of the consumer.

19. The system of claim 2, wherein the qualified payment account is one of a credit card account, a debit card account, and a bank account.

20. A method for dynamically applying a customized subsidy to a purchase of subsidized goods using a computer system based on a government-endorsed identity associated with a consumer, the method comprising:

capturing information from the consumer using an endpoint device including capturing information from an identity medium associated with the consumer;

enabling the consumer to initiate purchase of subsidized goods;

dynamically determining a customized subsidy applicable towards the purchase of the subsidized goods, wherein the dynamically determining comprises automatically determining subsidy entitlement status of the consumer for the purchase based on an authentication of the consumer to a government-endorsed identity using at least a portion of the information captured by the endpoint device and automatically calculating the customized subsidy applicable to the purchase based on one or more characteristics associated with the government-endorsed identity; and

dynamically performing payment settlement for the purchase, wherein performance of the payment settlement comprises automatically initiating a payment transaction from the consumer and automatically obtaining a subsidy rebate for the customized subsidy applied to the purchase.

21. The method of claim 20, wherein automatically initiating a payment transaction from the consumer comprises at least one of automatically initiating a cash payment transaction from the consumer and automatically initiating a payment transaction from a qualified payment account associated with the consumer.

22. The method of claim 20, wherein the identity medium is an identity card having at least one of a magnetic strip and a smart chip and the endpoint device comprises a card reader for capturing at least one of information from the magnetic strip and information from the smart chip.

23. The method of claim 20, wherein the endpoint device comprises an I/O device for capturing input information from the consumer.

24. The method of claim 20, wherein the endpoint device comprises a biometric reader for capturing biometric information from the consumer.

25. The method of claim 20, further comprising authenticating the consumer to the government-endorsed identity by comparing at least a portion of the information captured by the endpoint device to information associated with the consumer extracted from one or more secure databases.

26. The method of claim 25, further comprising using an index server having one or more location pointers to relevant information in the one or more secure databases to identify and extract information associated the consumer from at least one location pointed to by a location pointer.

27. The method of claim 25, wherein the one or more secure databases include a government agency database.

28. The method of claim 20, further comprising authenticating the consumer to the government-endorsed identity by comparing at least a portion of the information captured by the endpoint device from the identity medium to at least a portion of comparable information captured by the endpoint device from the consumer.

29. The method of claim 20, further comprising automatically calculating the customized subsidy applicable to the purchase based on one or more characteristics associated with the government-endorsed identity, wherein the one or more characteristics is at least one of consumer characteristics including at least one of age, driver'"'"'s license class, and income level and vehicle characteristics including at least one of vehicle engine capacity and vehicle emission level.

30. The method of claim 20, further comprising extracting one or more characteristics associated with the government-endorsed identity from the one or more secure databases.

31. The method of claim 30, further comprising performing a policy schema server process that calculates the customized subsidy applicable to the purchase by applying the one or more characteristics associated with the government-endorsed identity to one or more subsidy policy parameters.

32. The method of claim 31, further comprising scoring one or more results from application of the one or more characteristics associated with the government-endorsed identity to the one or more subsidy policy parameters.

33. The method of claim 30, further comprising performing a preference schema process that weighs one or more results from application of the one or more characteristics associated with the government-endorsed identity to the one or more subsidy policy parameters relative to each other.

34. The method of claim 20, further comprising utilizing a subsidy guide to generate the customized subsidy applicable to the purchase.

35. The method of claim 21, further comprising automatically authenticating the consumer to the qualified payment account during payment settlement based on the government-endorsed identity and initiate the payment transaction from the qualified payment account associated with the consumer for at least a portion of the purchase.

36. The method of claim 20, further comprising submitting a request for the subsidy rebate associated with the purchase to a subsidy agency.

37. The method of claim 21, further comprising facilitating payment of the subsidy rebate to the qualified payment account of the consumer.

38. The method of claim 21, wherein the qualified payment account is one of a credit card account, a debit card account, and a bank account.