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

• US 5,659,469 A
• Filed: 04/27/1995
• Issued: 08/19/1997
• 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:
  US08/429,938
• Time in Patent Office: 845 Days
• Field of Search: 364/401, 364/405, 235/375, 235/385, 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 promotion in a retail establishment comprising:

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

a device for entering a plurality of customers'"'"' unique identification codes in said retail establishment;

a memory associated with said scanner and said device for storing a plurality of previously entered unique customer identification codes, said memory further storing data relating to machine readable product codes of products detected in prior shopping visits of said customers, such that data regarding previously purchased products are stored in association with said unique customer identification codes;

a processor coupled to said memory and operative to determine the value of a sales promotion to be dispersed to individual customers, said value determination being variable and based on individual customers'"'"' prior purchase volumes in said retail establishment,

said processor generating an incentive signal upon detection of an individual customer'"'"'s identification code, said incentive signal being related to said individual customer'"'"'s purchasing volume prior to the current shopping visit, said incentive signal designating a sales promotion for an individual customer which is related to specific product items detected by said scanner in said individual customer'"'"'s prior shopping visits, and such that said incentive signal designates different values for said sales promotion in dependence upon said value determination; and

circuitry responsive to said incentive signal for dispensing a sales promotion at the point-of-sale to customers, said sales promotion related to the products detected in individual customer'"'"'s transactions in prior shopping visits and the value of said sales promotion determined by said value determination of said processor for said individual customers, such that different sales promotions can be delivered to customers with different purchase volumes and different prior product purchase detection.

2. The system of claim 1 wherein said device for entering comprising a reader for reading selected indicia on identification presented by customers in said retail establishment.

3. The system of claim 2 wherein said identification comprises a financial transaction payment instrument.

4. The system of claim 1 wherein said purchase volume comprises the dollar amount expended by said customers in said retail establishment over a selected time period.

5. The system of claim 1 wherein said purchase volume includes the frequency of purchase by said customers in said retail establishment.

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

a device for entering a plurality of customers'"'"' unique identification codes at the point-of-sale in said retail establishment;

a reader for detecting the machine readable product codes at the point-of-sale on products purchased by said customers in said retail establishment;

a memory associated with said device and said reader for storing a plurality of customers'"'"' unique identification codes in association with customers'"'"' product code detection data regarding a plurality of individual customers'"'"' specific product items detected over a period of time;

a processor coupled to said memory and operative to determine the value of a sales incentive for different individual customers, said value determination being variable and based on the purchase volume of said individual customer in said retail establishment;

said processor responsive to said memory for generating incentive signals for different individual customers, said incentive signals designating a sales promotion for an individual customer based on product items detected by said product code reader in said individual customer'"'"'s transactions in prior shopping visits, said incentive signals also designating different values for said sales promotion in dependence upon said value determination of said processor; and

circuitry responsive to said incentive signals for dispensing a sales promotion to customers, said sales promotion related to the products detected in individual customer'"'"'s transactions in prior shopping visits and the value of said sales promotion based on said value determination of said processor for said individual customer, such that different sales promotions can be delivered to customers with different purchase volumes and different prior product purchase detection.

7. The system of claim 6 wherein said device for entering comprises a reader for reading selected indicia on identification presented by customers in said retail establishment.

8. The system of claim 6 wherein said identification comprises a financial transaction payment instrument.

9. The system of claim 6 wherein said purchase volume comprises the dollar amount expended by said customers in said retail establishment over a selected time period.

10. The system of claim 6 wherein said purchase volume includes the frequency of purchase by said customers in said retail establishment.

11. The system of claim 6 wherein said sales promotion is generated by a coupon printer located at the point-of-sale.

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

entering a plurality of customers'"'"' unique identification codes at the point-of-sale in said retail establishment;

detecting the machine readable product codes at the point-of-sale on products purchased by said customers in said retail establishment;

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

applying a value determination to determine the value for a sales promotion on a specific product item to be disbursed to different individual customers, said value determination based on the purchase volume of said individual customer in said retail establishment;

generating incentive signals for different individual customers, said incentive signals designating a sales promotion on a specific product item for a plurality of individual customers based on product items detected in said individual customers'"'"' transactions in prior shopping visits, said incentive signal also designating different values for a plurality of customers for said sales promotion on said specific products in dependence upon said value determination; and

dispensing a sales promotion on a specific product item to said customers, said sales promotion related to the product items detected in individual customer'"'"'s transactions in prior shopping visits and the value of said sales promotion on a specific product based on said value determination for said individual customer, such that different sales promotions can be delivered to customers with different purchase volumes and different product detection.

13. The system of claim 12 wherein said step of entering comprises reading selected indicia on identification presented by customers in said retail establishment.

14. The system of claim 12 wherein said identification comprises a financial transaction payment instrument.

15. The system of claim 12 wherein said purchase volume includes the dollar amount expended by said customers in said retail establishment.

16. The system of claim 12 wherein said purchase volume includes the frequency of purchase by said customers in said retail establishment.