METHODS AND SYSTEMS FOR DYNAMICALLY GENERATING COUPONS ASSOCIATED WITH PRESENTATION INSTRUMENTS

• US 20140297391A1
• Filed: 02/26/2014
• Published: 10/02/2014
• Est. Priority Date: 03/28/2008
• Status: Active Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Kiefer, Stuart
• Application Number:
  US14/191,217
• Publication Number:
  US 20140297391A1
• Time in Patent Office: Days
• US Class Current: 705/14.36
• 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 30/00 Commerce
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• 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: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards
• CPC Class Codes: G07F 7/0806 Details of the card record carriers per se G06K

Abstract

This disclosure describes, generally, methods and systems for dynamically generating coupons. The method may include associating a coupon value with a manufacturer'"'"'s offer onto a presentation instrument. The presentation instrument may include a barcode to store terms of the manufacturer'"'"'s offer and a storage device to store coupon value information. The method may further include distributing the presentation instrument to a customer, scanning the barcode to verify the terms of the offer have been fulfilled, and presenting the presentation instrument to a merchant to access the coupon value information stored on the storage device. Furthermore, the method includes receiving funds in the amount of the coupon value from the manufacturer, and transferring the received funds to the merchant.

Claims

1. (canceled)

2. A computer-implemented method, comprising:

receiving, by a computing system, a request to register an instrument that has an initial coupon value associated therewith, wherein the request includes at least one of demographic information, personal information, historical spending information, and survey information associated with a particular individual; and

increasing, by the computing system based on the received request, the initial coupon value associated with the instrument to a value greater than the initial coupon value as incentive for the particular individual to register the instrument.

3. The method of claim 2, further comprising receiving authorization to increase the initial coupon value associated with the instrument to the value greater than the initial coupon value.

4. The method of claim 2, further comprising sending to a mobile device associated with the particular individual a message that indicates a coupon value expiration date.

5. The method of claim 2, wherein the instrument is one of a tangible instrument and a nontangible instrument.

6. The method of claim 2, further comprising sending to a mobile device associated with the particular individual a message that indicates availability of an offer associated with the instrument.

7. The method of claim 2, further comprising sending to a mobile device associated with the particular individual a message that indicates availability of a loyalty offer associated with the instrument based on usage of the instrument by the particular individual.

8. The method of claim 2, wherein the request includes a username and a password associated with the particular individual.

9. The method of claim 2, wherein the request includes at least one of email address, residential address phone number, date of birth, ethnicity, occupation, salary, and household occupancy associated with the particular individual.

10. The method of claim 2, further comprising sending to a manufacturer computing system the at least one of the demographic information, personal information, historical spending information, and survey information associated with the particular individual.

11. The method of claim 2, further comprising receiving from a manufacturer computing system information associated with a particular coupon offer.

12. The method of claim 11, further comprising generating a number of instruments for distribution based on the information associated with the particular coupon offer.

13. The method of claim 12, further comprising transmitting a request to the manufacturer computing system to associate a particular coupon value with the number of instruments for distribution.

14. The method of claim 13, further comprising receiving indication of a coupon value amount and an account number assigned to each of the number of instruments for distribution.

15. The method of claim 2, wherein the instrument comprises at least one of a form factor card, a stored value card, a prepaid credit card, and a mobile device.

16. The method of claim 2, further comprising receiving the request from a website over a network.

17. The method of claim 2, wherein the instrument includes a barcode that is encoded with information associated with a particular coupon.

18. The method of claim 2, wherein the instrument includes a magnetic strip that is encoded with information associated with a particular coupon.

19. The method of claim 2, wherein the instrument includes a description of one or more steps to complete a registration process.

20. The method of claim 2, further comprising associating another coupon value with the instrument different than the value greater than the initial coupon value.

21. The method of claim 2, wherein the request includes an identifier that is associated with the instrument.