Method for processing information through a clearinghouse

• US 6,741,968 B2
• Filed: 10/30/1998
• Issued: 05/25/2004
• Est. Priority Date: 04/24/1998
• Status: Expired due to Term

• Current Assignee: Excentus Corporation (Professional Datasolutions, Inc.)
• Original Assignee: Fuel Partners L.P.
• Inventors: Hall, William Y., Mains, Karla J., Jacoves, Peter G., Naul, Charles H.
• Primary Examiner(s): Kazimi, Hani M.
• Application Number:
  US09/183,788
• Publication Number:
  US 20010018664A1
• Time in Patent Office: 2,034 Days
• Field of Search: 705/10, 705/14, 705/23, 705/26, 705/27, 235/375, 235/380
• US Class Current: 705/14.23
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/208 Input by product or record sensing, e.g. weighing or scanner processing
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• 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 30/0211 Determining the effectiveness of discounts or incentives
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

A method for processing information through a clearinghouse wherein a rewards provider (2402) assembles the reward program information and forwards it to a store chain central office (2404) for implementation. The store chain central office (2404) then transmits information to one or more of its stores (2406). The store (2406) provides a reward to a customer (2408) based upon the purchase of discount triggering items. Upon meeting the requirements for redeeming a reward, the customer (2408) redeems the reward at a gas station (2410) for gasoline. Redemption information received by the central office (2404) in the form of electronic files and redemption slips is then sent to a clearinghouse (2412) for processing. The clearinghouse (2412), receiving the information on a daily basis as bundled sums, processes the redemption information by invoicing respective manufacturers (2416) for products sold, and making payment to the stores (2406) for the costs of the discount triggering items which were sold.

Claims

1. A computer-implemented method for processing information through a clearinghouse, comprising the steps of:

receiving at the clearinghouse a plurality of receipts from at least one subsequent vendor, each receipt based on a plurality of items, associated with a plurality of distinct manufacturers, purchased in an initial transaction from an initial vendor and comprising one or more bundled sums, the subsequent vendor comprising a gas station and the initial vendor comprising a grocery store;

wherein each of the bundled sums represents a total discount applied to a subsequent transaction at the subsequent vendor, the total discount based on a corresponding bundle of the purchased items from the initial vendor, each bundle comprising one or more purchased items having a same unique code, each bundled sum associated with one of the plurality of distinct manufacturers based on the unique code for the purchased items in the bundle;

wherein the total discount is equal to the sum of a plurality of partial discounts, each partial discount being provided by one of the plurality of distinct manufacturers in consideration for the purchase of at least one of the purchased items associated with the at least one of the plurality of distinct manufacturers; and

for each distinct manufacturer, generating a reimbursement value for each subsequent vendor by electronically summing the bundled sums in the receipts from the subsequent vendor and associated with the manufacturer.

2. The method of claim 1, wherein the receipts received comprise paper receipts and electronic files, each paper receipt comprising one or more bundled sums each having a corresponding sum in an electronic file corresponding to the paper receipt.

3. The method of claim 2, wherein the purchased items comprise discount triggering items.

4. The method of claim 3, each receipt having an associated identification code and wherein the electronic files comprise issued file and redeemed file information, wherein the issued file information comprises information identifying discount triggering items purchased from the initial vendor, and the redeemed file information comprises records of discounts applied to subsequent transactions and the identification codes for each receipt.

5. The method of claim 4, wherein the paper receipts comprise redemption slips which represent discounts applied to subsequent transactions.

6. The method of claim 1, further comprising the step of invoicing at least one manufacturer based on the reimbursement values generated for each subsequent vendor for the manufacturer.

7. The method of claim 6, wherein the step of invoicing occurs after receiving the electronic files.

8. The method of claim 2, further comprising the step of matching information contained in the paper receipts with corresponding information in the electronic files and recording successful matches in a details table.

9. The method of claim 8, wherein bundled sums correlating with successful matches in the details table are utilized in the step of generating a reimbursement value.

10. The method of claim 1, wherein the clearinghouse provides a periodic report to the manufacturer which summarizes waiting, currently in progress, and completed transactions, and a periodic vendor and vendor chain report over secure communications to appropriate parties.

21. The method of claim 1, the receipts comprising redemption slips.

22. The method of claim 1, the receipts comprising electronic files.

23. The method of claim 1, the unique code comprising a universal product code.

11. A computer-implemented system for processing information through a clearinghouse, comprising:

receiving means for receiving at the clearinghouse a plurality of receipts from at least one subsequent vendor, each receipt based on a plurality of items, associated with a plurality of distinct manufacturers, purchased in an initial transaction from an initial vendor and comprising one or more bundled sums, the subsequent vendor comprising a gas station and the initial vendor comprising a grocery store;

wherein each of the bundled sums represents a total discount applied to a subsequent transaction at the subsequent vendor, the total discount based on a corresponding bundle of the purchased items from the initial vendor, each bundle comprising one or more purchased items having a same unique code, each bundled sum associated with one of the plurality of distinct manufacturers based on the unique code for the purchased items in the bundle;

wherein the total discount is equal to the sum of a plurality of partial discounts, each partial discount being provided by one of the plurality of distinct manufacturers in consideration for the purchase of at least one of the purchased items associated with the at least one of the plurality of distinct manufacturers; and

summing means for generating, for each distinct manufacturer, a reimbursement value for each subsequent vendor by electronically summing the bundled sums in the receipts from the subsequent vendor and associated with the manufacturer.

12. The system of claim 11, wherein the receipts received comprise paper receipts an electronic files, each paper receipt comprising one or more bundled sums each having a corresponding sum in an electronic file corresponding to the paper receipt.

13. The system of claim 12, wherein the purchased items comprise discount triggering items.

14. The system of claim 13, each receipt having an associated identification code and wherein the electronic files comprise issued file and redeemed file information, wherein the issued file information comprises information identifying discount triggering items purchased from the initial vendor, and the redeemed file information comprises records of discounts applied to subsequent transactions and the identification codes for each receipt.

15. The system of claim 14, wherein the paper receipts comprise redemption slips which represent discounts applied to subsequent transactions.

16. The system of claim 11, wherein at least one manufacturer is invoiced based on the reimbursement values generated for each subsequent vendor for the manufacturer.

17. The system of claim 16, wherein the manufacturer is invoiced after the clearinghouse receives the electronic files.

18. The system of claim 12, wherein information contained in the paper receipts is matched with corresponding information in the electronic files, the successful matches being recorded in a details table.

19. The system of claim 18, wherein bundled sums correlating with successful matches in the details table are utilized by the summing means for summing the bundled sums.

20. The system of claim 11, wherein the clearinghouse provides a periodic report to the manufacturer which summarizes waiting, currently in progress, and completed transactions, and a periodic vendor and vendor chain report over secure communications to appropriate parties.

24. The system of claim 11, the receipts comprising redemption slips.

25. The system of claim 11, the receipts comprising electronic files.

26. The system of claim 11, the unique code comprising a universal product code.

27. A computer-implemented method for processing information through a clearinghouse, comprising the steps of:

receiving at the clearinghouse a plurality of receipts from at least one subsequent vendor, each receipt based on a plurality of items, associated with a plurality of distinct manufacturers, purchased in an initial transaction from an initial vendor and comprising one or more bundled sums, the subsequent vendor comprising a gas station and the initial vendor comprising a grocery store, the purchased items comprising grocery items;

wherein each of the bundled sums represents a total discount applied to a purchase of gasoline in a subsequent transaction at the subsequent vendor, the total discount based on a corresponding bundle of the purchased items from the initial vendor, each bundle comprising one or more purchased items having a same unique code, each bundled sum associated with at least one of the distinct manufacturers based on the unique code for the purchased items in the bundle;

wherein the total discount is equal to the sum of a plurality of partial discounts, each partial discount being provided by one of the plurality of distinct manufacturers in consideration for the purchase of at least one of the purchased items associated with the at least one of the plurality of distinct manufacturers;

for each distinct manufacturer, generating a reimbursement value for each subsequent vendor by summing the bundled sums in the receipts from the subsequent vendor and associated with the manufacturer;

wherein the receipts received comprise paper receipts and electronic files, each paper receipt comprising one or more bundled sums each having a corresponding sum in an electronic file corresponding to the paper receipt; and

matching information contained in the paper receipts with corresponding information in the electronic files and recording successful matches in a details table.

28. A computer-implemented method for processing redeemed discount information at a clearinghouse, comprising:

receiving, from a first vendor, discount issue information regarding a first transaction in which a customer purchases, from the first vendor, a plurality of discount triggering items associated with a plurality of distinct manufacturers, and the first vendor presents the customer with a total discount toward a second transaction with a second vendor;

wherein the total discount is equal to the sum of a plurality of partial discounts, each partial discount being provided by one of the plurality of distinct manufacturers in consideration for the purchase, by the customer, of at least one of the discount triggering items associated with the one of the plurality of distinct manufacturers;

wherein the discount issue information includes a unique identification code associated with the first transaction, a plurality of Universal Product Codes (UPCs), each UPC being associated with at least one of the discount triggering items, and the plurality of partial discounts;

receiving, from the second vendor, discount redemption information regarding the second transaction in which the customer purchases fuel from the second vendor, and applies the total discount to the purchase of the fuel;

wherein the redemption information includes the unique identification code, and an amount of the total discount actually redeemed;

wherein the first vendor and the second vendor are located at first and second separate, physical locations;

associating the discount redemption information and the discount issue information;

identifying the plurality of distinct manufacturers, each of the plurality of distinct manufacturers being responsible for a portion of the total discount actually redeemed; and

for each one of the plurality of distinct manufacturers, generating an invoice that includes a sum of any of the partial discounts for which the one of the plurality of distinct manufacturers is responsible to pay.

29. The method of claim 28, further comprising:

submitting each of the plurality of invoices to a respective one of the plurality of distinct manufacturers;

receiving, from each manufacturer, a payment representing the portion of the total discount actually redeemed for which the manufacturer is responsible; and

forwarding the payments to the second vendor.

30. The method of claim 28, wherein at least two of the plurality of discount triggering items share a common UPC, and wherein the two of the plurality of discount triggering items are bundled and totaled on a single line item of the discount issue information.

31. The method of claim 28, wherein the discount issue information received from the first vendor comprises detailed discount issue information including a description of each discount triggering item, a unique store identifier associated with the first vendor, and a date associated with the transaction.