System and Method for Providing Financial Incentives and Discentives Based on a Consumer Activity
First Claim
1. A computer-implemented method for providing at least one financial incentive to a consumer, the method comprising:
- receiving from at least one of a registered retail entity or a registered consumer, a record relating to a purchase made by the registered consumer;
storing the record in a consumer database comprising a consumer profile associated with the registered consumer, wherein the consumer profile comprise one or more forms of identification data associated with the registered consumer and historical purchase data;
providing to at least one registered marketing entity the historical purchase data without disclosing the identification data associated with the registered consumer;
receiving from the at least one registered marketing entity, the at least one financial incentive based on the historical purchase data;
processing the at least one financial incentive to identify the registered consumer eligible for the at least one financial incentive;
reviewing the historical purchase data in the consumer profile to determine if the identified consumer is qualified to receive the financial incentive; and
automatically applying the financial incentive to the qualified registered consumer.
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Accused Products
Abstract
A system and method for providing financial incentives and disincentives to a consumer based on a consumer activity. A record related to the consumer activity is received by a Computer Server and stored in a Consumer Database. The Consumer Database includes historical consumer activity associated with the registered consumer. The historical consumer activity is transmitted to at least one registered marketing entity. Based on the historical consumer activity, the registered marketing entity provides a financial incentive and/or disincentive which is processed and automatically applied to a qualified registered consumer.
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Citations
15 Claims
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1. A computer-implemented method for providing at least one financial incentive to a consumer, the method comprising:
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receiving from at least one of a registered retail entity or a registered consumer, a record relating to a purchase made by the registered consumer; storing the record in a consumer database comprising a consumer profile associated with the registered consumer, wherein the consumer profile comprise one or more forms of identification data associated with the registered consumer and historical purchase data; providing to at least one registered marketing entity the historical purchase data without disclosing the identification data associated with the registered consumer; receiving from the at least one registered marketing entity, the at least one financial incentive based on the historical purchase data; processing the at least one financial incentive to identify the registered consumer eligible for the at least one financial incentive; reviewing the historical purchase data in the consumer profile to determine if the identified consumer is qualified to receive the financial incentive; and automatically applying the financial incentive to the qualified registered consumer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer-implemented system for providing at least one financial incentive to a consumer, the system comprising:
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a consumer database comprising a consumer profile associated with a registered consumer, wherein the consumer profile comprises one or more forms of identification data associated with the registered consumer and historical purchase data; a retail and marketing database comprising retail entity profile associated with at least one registered retail entity; a computer server, coupled to the consumer database and the retail and marketing database, the computer server configured to perform the steps of; receiving from at least one of a registered retail entity or a registered consumer, a record relating to a purchase made by the registered consumer; storing the record in the consumer database; providing to at least one registered marketing entity the historical purchase data without disclosing the identification data associated with the registered consumer; receiving from the at least one registered marketing entity, the at least one financial incentive based on the historical purchase data; processing the at least one financial incentive to identify the registered consumer eligible for the at least one financial incentive; reviewing the historical purchase data in the consumer profile to determine if the identified consumer is qualified to receive the financial incentive; and automatically applying the financial incentive to the qualified registered consumer.
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14. A computer-implemented method for providing at least one of a financial incentive or a financial disincentive to the consumer, the method comprising:
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receiving from at least one of a registered retail entity or a registered consumer, a record relating to a consumer activity by the registered consumer; storing the record in a consumer database comprising a consumer profile associated with the registered consumer, wherein the consumer profile comprises one or more forms of identification data associated with the registered consumer and historical consumer activity data; providing to at least one registered marketing entity the historical consumer activity data without disclosing the identification data associated with the registered consumer; receiving from the at least one registered marketing entity, the at least one of a financial incentive or the financial disincentive based on the historical consumer activity; processing the at least one financial incentive or the financial disincentive to identify the registered consumer eligible for the at least one of the financial incentive or the financial disincentive; reviewing the historical consumer activity data in the consumer profile to determine if the identified consumer is qualified to receive one of the financial incentive or the financial disincentive; and automatically applying one of the financial incentive or the financial disincentive to the qualified registered consumer.
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15. A computer-implemented system for providing at least one of a financial incentive or a financial disincentive, the system comprising:
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a consumer database comprising consumer profile associated with a registered consumer, wherein the consumer profile comprises one or more forms of identification data associated with the registered consumer and historical consumer activity data; a retail and marketing database comprising retail entity profile associated with at least one registered retail entity; a computer server, coupled to the consumer database and the retail and marketing database, the computer server configured to perform the steps of; receiving from at least one of a registered retail entity or a registered consumer, a record relating to a consumer activity by the registered consumer; storing the record in a consumer database; providing to at least one registered marketing entity the historical consumer activity data without disclosing the identification data associated with the registered consumer; receiving from the at least one registered marketing entity, the at least one of a financial incentive or the financial disincentive based on the historical consumer activity; processing the at least one of the financial incentive or the financial disincentive to identify the registered consumer eligible for the at least one of the financial incentive or the financial disincentive; reviewing the historical consumer activity data in the consumer profile to determine if the identified consumer is qualified to receive one of the financial incentive or the financial disincentive; and automatically applying one of the financial incentive or the financial disincentive to the qualified registered consumer.
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Specification