TARGETABLE MULTI-MEDIA PROMOTION CHANNEL AT POINT OF SALE

• US 20110060691A1
• Filed: 09/04/2009
• Published: 03/10/2011
• Est. Priority Date: 09/04/2009
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grossman, Glenn M., Giordano, Joseph A.
• Application Number:
  US12/554,639
• Publication Number:
  US 20110060691A1
• Time in Patent Office: Days
• US Class Current: 705/80
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 50/188 Electronic negotiation
• CPC Class Codes: G07G 1/01 Details for indicating displaying information in general G09F, G09G

Abstract

Apparatus and methods for providing a targetable multi-media promotion channel at the point of sale are provided. The apparatus may include a system for providing to a customer an offer at a point of sale terminal. The system may include machine readable memory configured to store in an offer platform offer information corresponding to a first item. The system may also include an electromagnetic transmitter module configured to transmit the offer information to the point of sale terminal for presentation by the point of sale terminal during a transaction for a second item. The system may also include an electromagnetic receiver module configured to receive an offer acceptance corresponding to the offer information before the customer pays for the second item.

Claims

1. A method for providing to a customer an offer at a point of sale terminal, the method comprising:

storing offer information in machine readable memory of an offer platform offer information corresponding to a first item;

using an electromagnetic transmitter module, transmitting the offer information to the point of sale terminal for presentation by the point of sale terminal during a transaction for a second item; and

using an electromagnetic receiver module, receiving an offer acceptance corresponding to the offer information before the customer pays for the second item.

2. The method of claim 1 wherein:

the first item is available for sale by a first entity;

the transaction is between the customer and a second entity; and

the first entity is different from the second entity.

3. The method of claim 2 further comprising, using an electromagnetic transmitter module, transmitting to the first entity offer acceptance information, the offer acceptance information confirming acceptance of the offer.

4. The method of claim 3 wherein the offer acceptance information includes information about the transaction.

5. The method of claim 4 wherein the information about the transaction comprises a credit card number or a debit card number.

6. The method of claim 1 further comprising using an electromagnetic receiver module to receive the offer information prior to the storing.

7. The method of claim 1 wherein the offer information comprises text data.

8. The method of claim 1 wherein the offer information comprise graphical data.

9. The method of claim 8 wherein the graphical data includes a map showing a location of the first item.

10. A method for providing to a customer an offer at a point of sale terminal, the method comprising:

storing in machine readable memory a purchase price corresponding to a first item, the first item having been presented by a customer at the point of sale terminal;

displaying on a point of sale display an offer to purchase a second item;

using the display, receiving an acceptance of the offer;

using a processor module, storing in the machine readable memory a second purchase price corresponding to the item; and

using the display, displaying a total price that is based on the first and second purchase prices.

11. The method of claim 10 wherein:

the first item is offered by a first entity;

the second item is offered by a second entity; and

the first and second entities are different entities.

12. The method of claim 11 further comprising, using an electromagnetic transmitter module, transmitting, over an electronic communication network, acceptance information, the acceptance information acknowledging credit due to the first entity by the second entity based on sale of the first item to the customer.

13. A computer usable medium having computer readable program code embodied therein, said computer readable program code adapted to be executed to implement method for providing to a customer an offer at a point of sale terminal, the method comprising:

storing offer information in machine readable memory of an offer platform offer information corresponding to a first item;

transmitting the offer information to the point of sale terminal for presentation by the point of sale terminal during a transaction for a second item; and

receiving an offer acceptance corresponding to the offer information before the customer pays for the second item.

14. The medium of claim 13 wherein, in the method:

the first item is available for sale by a first entity;

the transaction is between the customer and a second entity; and

the first entity is different from the second entity.

15. The medium of claim 14 wherein the method further comprises transmitting to the first entity offer acceptance information, the offer acceptance information confirming acceptance of the offer.

16. The medium of claim 15 wherein, in the method, the offer acceptance information includes information about the transaction.

17. The medium of claim 16 wherein, in the method, the information about the transaction comprises a credit card number or a debit card number.

18. The medium of claim 13 wherein the method further comprises receiving the offer information prior to the storing.

19. The medium of claim 13 wherein the offer information comprises text data.

20. The medium of claim 13 wherein the offer information comprise graphical data.

21. The medium of claim 20 wherein, in the method, the graphical data includes a map showing a location of the first item.

22. A computer usable medium having computer readable program code embodied therein, said computer readable program code adapted to be executed to implement method for providing to a customer an offer at a point of sale terminal, the method comprising:

storing in machine readable memory a purchase price corresponding to a first item, the first item having been presented by a customer at the point of sale terminal;

displaying on a point of sale display an offer to purchase a second item;

receiving an acceptance of the offer;

storing in the machine readable memory a second purchase price corresponding to the item; and

displaying a total price that is based on the first and second purchase prices.

23. The medium of claim 22 wherein, in the method:

the first item is offered by a first entity;

the second item is offered by a second entity; and

the first and second entities are different entities.

24. The medium of claim 23 wherein the method further comprises transmitting, over an electronic communication network, acceptance information, the acceptance information acknowledging credit due to the first entity by the second entity based on sale of the first item to the customer.

25. The medium of claim 22 wherein, in the method, the information about the transaction comprises a credit card number or a debit card number.

26. A system for providing to a customer an offer at a point of sale terminal, the system comprising:

machine readable memory configured to store in an offer platform offer information corresponding to a first item;

an electromagnetic transmitter module configured to transmit the offer information to the point of sale terminal for presentation by the point of sale terminal during a transaction for a second item; and

an electromagnetic receiver module configured to receive an offer acceptance corresponding to the offer information before the customer pays for the second item.

27. The system of claim 26 wherein:

the first item is available for sale by a first entity;

the transaction is between the customer and a second entity; and

the first entity is different from the second entity.

28. The system of claim 26 wherein the transmitter module is further configured to transmit to the first entity offer acceptance information, the offer acceptance information confirming acceptance of the offer.

29. The system of claim 28 wherein the offer acceptance information includes information about the transaction.

30. The system of claim 29 wherein the information about the transaction comprises a credit card number or a debit card number.

31. The system of claim 26 further comprising using an electromagnetic receiver module to receive the offer information prior to the storing.

32. The system of claim 26 wherein the offer information comprises text data.

33. The system of claim 26 wherein the offer information comprise graphical data.

34. The system of claim 33 wherein the graphical data includes a map showing a location of the first item.