FREE SAMPLE ACCOUNT TRANSACTION PAYMENT CARD DISPENSING KIOSK

• US 20110082739A1
• Filed: 10/05/2009
• Published: 04/07/2011
• Est. Priority Date: 10/05/2009
• Status: Abandoned Application

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Pourfallah, Stacy
• Application Number:
  US12/573,838
• Publication Number:
  US 20110082739A1
• Time in Patent Office: Days
• US Class Current: 705/14.37
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/0237 at kiosk
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A free sample account transaction payment card to a user of a kiosk is provided. The method includes receiving a selection of a free sample from a database. Each free sample is associated with an account issued to a sponsor who is financially responsible for the cost of providing the sample to a customer, where the account is acceptable by a merchant for payment for distributing the sample to a consumer. The method further includes retrieving, from the database, to memory in the kiosk, a rendering image and sample information including the account, a quantifier for the sample, and a good or service. The sample information is then written from the memory in the kiosk to a memory location in a free sample account transaction payment card stored within the kiosk and a hard copy of the rendering image is rendered on a surface of the free sample account transaction payment card.

Claims

1. For a payment processing network that includes a plurality of merchants and consumers engaging in a plurality of transactions on a plurality of respective consumer accounts that respective issuers issue to the consumers, each said transaction involving a free sample associated with a free sample account issued by an issuer, wherein the merchant submits the transaction to an acquirer for processing by a transaction handler who requests the issuer to obtain payment for the free sample given by the merchant to the consumer in the transaction from the free sample account, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to reimburse the merchant for the free sample given in the transaction, a method of providing a free sample account transaction payment card to a user of a kiosk, the method comprising:

receiving, at an input device of a user interface of the kiosk, a selection a free sample from a database having a plurality of selectable said free samples each;

being associated with a free sample account issued by an issuer to a sponsor financially responsible for the cost of providing the free sample to one said consumer, wherein;

the free sample account is acceptable by one said merchant for payment in one said transaction in which the one said merchant tenders the free sample to the one said consumer;

the cost of the free sample is to be debited from the free sample account and credited to a merchant account for the one said merchant to be reimbursed for tendering the free sample to the one said consumer; and

the merchant account is issued by another said issuer to the one said merchant;

retrieving, from the database, to memory in the kiosk;

a rendering image corresponding to a rendering capability of the kiosk; and

the free sample information including an identifier for;

the free sample account;

a quantifier for the fee sample; and

at least one of a good and a service;

writing, from the memory in the kiosk with a card writing device of the kiosk, the free sample information to a memory location in a free sample account transaction payment card stored within the kiosk; and

rendering a hard copy of the rendering image on a surface of the free sample account transaction payment card.

2. The method of claim 1, wherein said retrieving further comprises connecting to a network, wherein the database is stored on the network.

3. The method of claim 1, wherein the rendering image includes a bar code corresponding to the free sample information.

4. The method of claim 1, further comprising displaying, on the user interface of the kiosk, an advertisement associated with each of the selectable said free samples.

5. The method of claim 1, wherein the rendering image includes an advertisement for the free sample.

6. The method of claim 1, wherein the free sample account is issued to a member of the group consisting of:

the one said merchant;

a manufacturer of the free sample;

a wholesaler of the free sample; and

a distributor of the free sample.

7. For a payment processing network that includes a plurality of merchants and consumers engaging in a plurality of transactions on a plurality of respective consumer accounts that respective issuers issue to the consumers, each said transaction involving an electronic coupon associated with a sponsor account issued by an issuer, wherein the merchant submits the transaction to an acquirer for processing by a transaction handler who requests the issuer to obtain payment for a discount applied by the merchant to the transaction from the sponsor account, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to reimburse the merchant for the discount given on the transaction, a kiosk comprising:

means for displaying a plurality of selectable said free samples each;

being associated with a free sample account issued by an issuer to a sponsor financially responsible for the cost of providing the free sample to one said consumer, wherein;

the free sample account is acceptable by one said merchant for payment in one said transaction in which the one said merchant tenders the free sample to the one said consumer;

the cost of the free sample is to be debited from the free sample account and credited to a merchant account for the one said merchant to be reimbursed for tendering the free sample to the one said consumer; and

the merchant account is issued by another said issuer to the one said merchant;

means for receiving a selection of a free sample from the selectable said free samples;

means for retrieving, from the database, to memory in the kiosk;

a rendering image corresponding to a rendering capability of the kiosk; and

the free sample information including an identifier for;

the free sample account;

a quantifier for the fee sample; and

at least one of a good and a service;

means for writing, with a card writing device of the kiosk, the free sample information from the memory in the kiosk to memory in a free sample account transaction payment card; and

means for rendering a hard copy of the rendering image on a surface of the free sample account transaction payment card.

8. The kiosk of claim 7, wherein said means for retrieving includes a means for communicating with a network, wherein the database is stored on the network.

9. The kiosk of claim 7, wherein the rendering image includes a bar code corresponding to the free sample information.

10. The kiosk of claim 7, wherein the means for displaying further comprises an advertisement associated with each of the selectable said free samples.

11. The kiosk of claim 7, wherein the rendering image includes an advertisement for the free sample.

12. The kiosk of claim 7, wherein the free sample account is issued to a member of the group consisting of:

the one said merchant;

a manufacturer of the free sample;

a wholesaler of the free sample; and

a distributor of the free sample.

13. A kiosk comprising:

a user interface having a display device and an input device;

memory;

a computing apparatus executing an internet browser to;

access a web site associated with a server serving one or more web pages for displaying on the display device a plurality of selectable said free samples each;

being associated with a free sample account issued by an issuer to a sponsor who is financially responsible for the cost of providing the free sample to a consumer, wherein;

the free sample account is acceptable by a merchant for payment in a transaction in which the merchant tenders the free sample to the consumer;

the cost of the free sample is to be debited from the free sample account and credited to a merchant account for the merchant to be reimbursed for tendering the free sample to the consumer; and

the merchant account is issued by another said issuer to the merchant;

transmit to the server input received at the input device and corresponding to a selection of a free sample from the selectable said free samples;

receive from the server for storage in the memory of the kiosk;

a rendering image corresponding to a rendering capability of the kiosk; and

the free sample information including an identifier for;

the free sample account;

a quantifier for the fee sample; and

at least one of a good and a service; and

a card writing device to;

write the free sample information from the memory in the kiosk to memory in a free sample account transaction payment card; and

render a hard copy of the rendering image on a surface of the free sample account transaction payment card.

14. The kiosk of claim 13, wherein the rendering image includes a bar code corresponding to the free sample information.

15. The kiosk of claim 13, wherein the one or more web pages for displaying on the display device further comprises an advertisement associated with each of the selectable said free samples.

16. The kiosk of claim 13, wherein the rendering image includes an advertisement for the free sample.

17. The kiosk of claim 13, wherein the free sample account is issued to a member of the group consisting of:

the merchant;

a manufacturer of the free sample;

a wholesaler of the free sample; and

a distributor of the free sample.

18. The kiosk of claim 13, wherein the memory in the free sample account transaction payment card is selected from the group consisting of:

a non-volatile memory of a semiconductor device;

a magnetic encoded data region of a magnetic stripe; and

a combination of the foregoing.

19. The kiosk of claim 13, wherein the free sample account transaction payment card is selected from the group consisting of:

a card having a Radio Frequency Identification (RFID) tag, a transponder device and a microchip; and

a magstripe card; and

a combination of the foregoing.

20. The kiosk of claim 13, wherein the card writing device writes to the memory of the free sample account transaction payment card by a process selected from the group consisting of:

transmitting data wirelessly to the free sample account transaction payment card;

transmitting data via a hardwired communication to the free sample account transaction payment card; and

magnetically encoding track data by modifying the magnetism of magnetic particles on a band of magnetic material on the free sample account transaction payment card.