Check transaction processing, database building and marketing method and system utilizing automatic check reading

• US 5,430,644 A
• Filed: 11/09/1994
• Issued: 07/04/1995
• Est. Priority Date: 05/01/1989
• Status: Expired due to Term

• Current Assignee: Catalina Marketing Corporation
• Original Assignee: Credit Verification Corporation
• Inventors: Deaton, David W., Gabriel, Rodney G.
• Primary Examiner(s): McElheny, Jr., Donald E.
• Application Number:
  US08/336,880
• Time in Patent Office: 237 Days
• Field of Search: 364/401, 364/405, 235/375, 235/385, 283/51, 283/56, 395/925
• US Class Current: 705/14.25
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• 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 20/208 Input by product or record sensing, e.g. weighing or scanner processing
• 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 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• 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: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0268 at point-of-sale [POS]
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• 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: G07G 1/00 Cash registers alarm indicators G07G3/00
• CPC Class Codes: G07G 1/0036 Checkout procedures
• CPC Class Codes: G07G 1/12 electronically operated digital data processing aspects G06Q20/00
• CPC Class Codes: G07G 1/145 PLU-management

Abstract

The present invention includes automatic check reading techniques which enables the detection of a customer'"'"'s checking account number on a check, regardless of the bank, bank branch or type of account. The customer identification code is automatically used to provide check verification as well as to provide various targeted marketing techniques based upon the customer'"'"'s prior transactional history with the store.

Claims

1. A system for differential customer sales promotion in a retail establishment comprising:

a terminal for entering customer transaction data including customers'"'"' unique identification codes at the point-of-sale;

a bar code scanner for detecting the universal product code on products purchased by said customers;

a memory for storing said unique identification codes in association with said customer transaction data regarding a plurality of individual customers'"'"' specific product items detected over a period of time;

a processor responsive to said stored customer transaction data for generating incentive signals for different customers, said incentive signals designating product promotion awards for an individual customer based upon product items detected by said bar code scanner in said individual customers'"'"' transactions prior to the current shopping visit, said incentive signals also designating different values for said product promotion awards in dependence upon different dollar amounts tendered by said customers in sales transactions at the point-of-sale in said retail establishment; and

a device for issuing sales promotions in response to said incentive signals, said sales promotions related to the product items scanned in individual customers'"'"' prior shopping visits and the value of said sales promotions being related to said customers'"'"' dollar tender amount at the point-of-sale, such that different incentives can be delivered to customers with different tender amounts and different product detection.

2. The system of claim 1 wherein said customers'"'"' unique identification codes are generated from payment instruments tendered by the customers at the point-of-sale.

3. The system of claim 2 wherein said payment instruments comprise personal checks.

4. The system of claim 2 wherein said payment instruments comprise credit cards.

5. The system of claim 1 wherein said sales promotions are related to product items which have been purchased in individual customers'"'"' prior shopping visits.

6. The system of claim 1 wherein said device for issuing sales promotions comprises a coupon printer at the point-of-sale.

7. A system for targeted customer promotion at a retail comprising:

a terminal for entering customers'"'"' unique identification codes, along with customer transaction data including the dollar amounts tendered at the point-of-sale;

a scanner at the point-of-sale for detecting the machine readable product code on products purchased by said customers;

a memory for storing a plurality of previously entered customer identification codes;

said memory further storing data relating to machine readable product codes of products scanned in prior shopping visits and the dollar amounts tendered in previous shopping visits by a plurality of customers, such that data regarding product items scanned and dollar amounts tendered in individual customers'"'"' prior shopping visits are stored in association with said customer identification codes;

a processor responsive to the entry of customer identification codes for generating incentive signals for an individual customer, said incentive signals designating product incentive awards based upon product items detected by said product code reader in shopping visits prior to the current shopping visit and stored in association with said individual customers'"'"' identification code, said incentive signals also designating values in dependence upon the dollar amount tendered by said individual customers in prior shopping visits to said retail establishment; and

a device for issuing product incentive awards at the point-of-sale in response to said incentive signals, said incentive awards based on the product items detected in said customers'"'"' prior shopping visits and the value of said incentive awards based on said customers'"'"' tendered dollar amounts in prior shopping visits.

8. The system of claim 7 wherein said customers'"'"' unique identification codes are generated from payment instruments tendered by the customers at the point-of-sale.

9. The system of claim 8 wherein said payment instruments comprise personal checks.

10. The system of claim 8 wherein said payment instruments comprise credit cards.

11. The system of claim 7 wherein said product incentive awards are related to product items which have been purchased during individual customers'"'"' prior shopping visits.

12. The system of claim 7 wherein said device for issuing product incentive awards comprises a coupon printer.

13. A method for differential customer sales promotion in a retail establishment comprising:

entering customer transaction data including customers'"'"' unique identification codes at the point-of-sale;

detecting the universal product code on products purchased by said customers at the point-of-sale;

storing said unique identification codes in association with said customer transaction data regarding a plurality of individual customers'"'"' specific product items detected over a period of time;

in response to said stored customer transaction data, generating incentive signals for different customers, said incentive signals designating product promotion awards for an individual customer based upon product items detected by said bar code scanner in said individual customers'"'"' transactions prior to the current shopping visit, said incentive signals also designating different values for said product promotion awards in dependence upon different dollar amounts tendered by said customers in sales transactions at the point-of-sale in said retail establishment; and

issuing sales promotions in response to said incentive signals, said sales promotions related to the product items scanned in individual customers'"'"' prior shopping visits and the value of said sales promotions being related to said customers'"'"' dollar tender amount at the point-of-sale, such that different incentives can be delivered to customers with different tender amounts and different product detection.

14. The method of claim 13 wherein said customers'"'"' unique identification codes are generated from payment instruments presented by the customers at the point-of-sale.

15. The method of claim 14 wherein said payment instruments comprise personal checks.

16. The method of claim 15 wherein said payment instruments comprise credit cards.

17. The method of claim 13 wherein said sales promotions are related to product items which have been purchased in individual customers'"'"' prior shopping visits.

18. A method for targeted customer promotion at a retail store comprising:

entering customers'"'"' unique identification codes, along with customer transaction data including the dollar amounts tendered at the point-of-sale;

detecting at the point-of-sale the machine readable product code on products purchased by said customers;

storing a plurality of previously entered customer identification codes;

storing data relating to machine readable product codes of products scanned in prior shopping visits and the dollar amounts tendered in previous shopping visits by a plurality of customers, such that data regarding product items scanned and dollar amounts tendered in individual customers'"'"' prior shopping visits are stored in association with said customer identification codes;

generating incentive signals for an individual customer, said incentive signals designating product incentive awards based upon product items detected by said product code reader in shopping visits prior to the current shopping visit and stored in association with said individual customers'"'"' identification code, said incentive signals also designating values in dependence upon the dollar amount tendered by said individual customer in prior shopping visits to said retail establishment; and

issuing incentive awards at the point-of-sale in response to said incentive signals, said incentive awards based on the product items detected in said customers'"'"' prior shopping visits and the value of said incentive awards based on said customers'"'"' tendered dollar amounts in prior shopping visits.

19. The method of claim 18 wherein said customers'"'"' unique identification codes are generated from payment instruments tendered by the customers at the point-of-sale.

20. The method of claim 19 wherein said payment instruments comprise personal checks.

21. The method of claim 19 wherein said payment instruments comprise credit cards.

22. The method claim 18 wherein said product incentive awards are related to product items which have been purchased during individual customers'"'"' prior shopping visits.