Method for electronic coupon creation, deployment, transference, validation management, clearance, redemption and reporting system and and method for interactive participation of individuals and groups with coupons

• US 8,799,060 B2
• Filed: 03/17/2010
• Issued: 08/05/2014
• Est. Priority Date: 03/30/2009
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Transactis, Inc. (MasterCard Incorporated)
• Inventors: Gillenson, Amy, Fornari, James Daniel
• Primary Examiner(s): Weiss, John G
• Assistant Examiner(s): CAO, VINCENT M
• Application Number:
  US12/661,452
• Publication Number:
  US 20100250351A1
• Time in Patent Office: 1,602 Days
• Field of Search: 705/14
• US Class Current: 705/14.1
• 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 30/0213 Consumer transaction fees
• CPC Class Codes: G06Q 30/0216 Investment accounts
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0223 based on inventory
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0231 Awarding of a frequent usage incentive independent of the monetary value of a good or service purchased, or distance travelled
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: Y02P 90/84 Greenhouse gas [GHG] management systems
• CPC Class Codes: Y02P 90/90 Financial instruments for climate change mitigation, e.g. environmental taxes, subsidies or financing

Abstract

This invention relates generally to electronic commerce (e-commerce) methods for the use of systems and media platforms, for use with both mobile and non-mobile systems, to deploy virtual advertising and promotion via the use of electronic coupons, and more particularly a method and system for creating, deploying, transferring, clearing, managing, redeeming and reporting on the use of electronic coupons or virtual electronic rebates (VeeBates) and permitting individuals and groups within one or more social communications networks to participate in and transmit information to others about their activities related to the virtual advertising, incentives, redemption and promotion.

Claims

1. A computer implemented, opt-in incentive transaction method wherein a consumer designates an incentive receiving device comprising:

a. generation of an incentive for a particular product and/or service comprising at least a plurality of redemptive action requirements wherein one requirement is a transaction;

b. computer processing the generated incentive;

c. storing and aggregating a plurality of incentives to the consumer for a number of particular products and/or services in at least one storage device;

d. storing processor-executable instructions for use with the generated incentive;

e. controlling at least one processor to execute the instructions and to deliver the incentive to the consumer incentive receiving device and associating the incentive with a consumer'"'"'s financial account prior to the transaction;

f. obtaining at least one consumer unique, financial identifier at a point-of-sale device associated with the consumer'"'"'s financial without presenting of the generated incentive at the point-of-sale device;

g. receiving data from the point-of-sale device reporting the transaction associated with the incentive;

h. transmitting the consumer unique identifier and the transaction redemption action to an acquiring processor;

i. comparing the identifier, transaction and transaction redemptive action with the redemptive action requirements and the incentive for the particular product and/or service by the acquiring processor at a location other than the point-of-sale device, determining whether the redemptive action requirements have been satisfied by the correct consumer; and

k. applying the incentive, by the acquiring processor, to the consumer'"'"'s financial account in accordance with the consumer'"'"'s pre-established, non-point-of-sale instructions at a location other than the point-of-sale device.

2. The method of claim 1 further comprising the further step of an opt-in registration.

3. The method of claim 1 further comprising transmitting at least one item of consumer transaction data to a second receiving device.

4. The method of claim 1 further comprising transmitting at least one item of consumer transaction data to at least one user of a social networking application.

5. The method of claim 4 further comprising the step of permitting the consumer to select the at least one user of the social networking application.

6. The method of claim 1 further comprising transmitting at least one item of consumer transaction data between users of a social networking application.

7. The method of claim 6 further comprising the step of permitting the consumer to select the users of the social networking application.

8. The method of claim 1 further comprising determining what activity is undertaken by at least one user of a social networking application in response to receipt of at least one item of consumer transaction data and processing said activity for possible application to the processor-executable instructions.

9. The method of claim 1 wherein the transaction is a purchase.

10. The method of claim 1 wherein a redemption action requirement is the use of a financial network identifier.

11. The method of claim 10 wherein the financial system identifier is a magnetically readable strip.

12. The method of claim 10 wherein the financial system identifier is a credit card.

13. The method of claim 10 wherein the financial system identifier is a debit card.

14. The method of claim 10 wherein the financial system identifier is a reward card.

15. The method of claim 1 wherein the incentive receiving device is a mobile device.

16. The method of claim 2 herein the opt-in registration is performed by a consumer aggregator.

17. The method of claim 1 further comprising receiving and processing a consumer request for an incentive.

18. The method of claim 17 further comprising processing and transmitting the incentive requested by the consumer.

19. The method of claim 17 further comprising processing and transmitting an incentive determined by the system to be within predetermined rules relating to the requested incentive.

20. The method of claim 1 in which the processor-executable instructions include at least one predetermined rule relating to the transmission of incentives.

21. The method of claim 1 in which the processor-executable instructions include a series of predetermined rules relating to the transmission of incentives.

22. The method of claim 21 in which the predetermined rules are adaptable in relation to data received by the system.

23. The method of claim 22 in which the data received by the system comprises statistical data related to a consumer.

24. The method of claim 22 in which the data received by the system comprises statistical data related to consumers.

25. The method of claim 22 in which the data received by the system comprises statistical data related to redemptive actions undertaken by consumers.

26. The method of claim 22 in which the data received by the system comprises statistical data related to the frequency of actions undertaken by consumers.

27. The method of claim 6 in which the data received by the system comprises statistical data related to contacts between the users of the social networking application.

28. The method of claim 21 in which the series of predetermined rules relating to the transmission of incentives includes at least one rule related to location of the consumer.

29. The method of claim 21 in which the series of predetermined rules relating to the transmission of incentives includes at least one rule related to the incentive redemption location.

30. The method of claim 21 in which the series of predetermined rules relating to the transmission of incentives includes at least one rule related to inventory.

31. The method of claim 21 in which the series of predetermined rules relating to the transmission of incentives includes at least one rule related to SKU information.

32. The method of claim 21 in which the series of predetermined rules relating to the transmission of incentives includes at least one rule related to UPC information.

33. The method of claim 21 in which the series of predetermined rules relating to the transmission of incentives are modifiable.

34. The method of claim 21 in which the series of predetermined rules relating to the transmission of incentives include a plurality of rules relating to the same parameter.

35. The method of claim 1 in which the delivery of the incentive is conditional upon a consumer opting in to the system.

36. A computer implemented, opt-in incentive transaction method wherein a consumer designates an incentive receiving device comprising:

a. generating an incentive for a particular product and/or service available to either a targeted or an open consumer base, the incentive comprising at least a plurality of redemptive action requirements wherein one requirement is obtaining the incentive prior to the transaction;

b. processing the incentive;

c. storing and aggregating a plurality of incentives to the consumer for a number of particular products and/or services in at least one storage device;

d. storing processor-executable instructions for use with the generated incentive;

e. controlling at least one processor to execute the instructions and to deliver the incentive to the consumer incentive receiving device and associating it with a consumer'"'"'s financial account prior to the transaction;

f. generating an associated consumer-merchant identifier to the incentive;

g. storing the consumer-merchant identifier associated with the incentive;

h. obtaining at least one consumer unique, financial identifier at a point-of-sale device without presenting of the generated incentive at the point-of-sale device;

i. receiving data from a point-of-sale device reporting a consumer-merchant transaction;

j. transmitting the consumer unique identifier and the transaction redemption action to an acquiring processor;

k. comparing the consumer-merchant transaction identifier financial identifier and transaction redemption action with the consumer-merchant transaction and the incentive for the particular product and/or service by the acquiring processor at a location other than the point-of-sale device; and

,

l. crediting the incentive by the acquiring processor to the consumer-merchant transaction to the consumer'"'"'s financial account at a location other than the point-of-sale device in accordance with the consumer'"'"'s pre-established, non-point-of-sale instructions.

37. The method of claim 36 wherein the incentive is an offer to purchase a pre-paid redemptive amount at a cost to the consumer which is less than the redemptive amount.

38. The method of claim 36 wherein the opt-in is a purchase of a pre-paid redemptive amount at a cost to the consumer which is less than the redemptive amount.

39. The method of claim 36 wherein the confirmation to the consumer of the satisfaction of the at least one redemptive action requirement is transmitted in accordance with the consumer'"'"'s instruction.

40. The method of claim 36 wherein the incentive is contained in audio/visual content delivered to the consumer.

41. The method of claim 37 wherein the offer is contained in audio/visual content delivered to the consumer.

42. A computer implemented, opt-in incentive transaction method comprising:

a. designating an incentive receiving device to receive a variable incentive for a particular product and/or service available to either a targeted or an open consumer base, the variable incentive comprising at least a plurality of redemptive action requirements wherein one requirement is obtaining the incentive prior to a transaction;

b. processing the variable incentive;

c. storing and aggregating a plurality of incentives to the consumer for a number of particular products and/or services

d. storing processor-executable instructions;

e. controlling at least one processor to execute the instructions to deliver the selected incentive to the consumer incentive receiving device and associating it with a consumer'"'"'s financial account prior to the transaction;

f. generating an associated consumer-merchant identifier to the selected incentive;

g. storing the consumer-merchant identifier associated with the selected incentive;

h. obtaining at least one consumer unique, financial identifier associated with the consumer'"'"'s financial account at a point-of-sale device without presenting of the generated incentive at the point-of-sale device;

i. receiving data from a point-of-sale device reporting a consumer-merchant transaction;

j. transmitting the consumer unique identifier and the transaction redemption action to an acquiring processor;

k. comparing the consumer-merchant transaction identifier, consumer unique identifier and transaction redemption action and the incentive for the particular product and/or service by an acquiring processor at a location other than the point-of-sale device with the consumer-merchant transaction; and

,

l. crediting, by the acquiring processor, the selected incentive to the consumer-merchant transaction to the consumer'"'"'s financial account in accordance with the consumer'"'"'s pre-established, non-point-of-sale instructions.

43. The method of claim 42 wherein the incentive is an offer to purchase a pre-paid redemptive amount at a cost to the consumer which is less than the redemptive amount.

44. The method of claim 42 wherein the opt-in is a purchase of a pre-paid redemptive amount at a cost to the consumer which is less than the redemptive amount.

45. The method of claim 42 further comprising reconciling the credit for the selected incentive and the consumer-merchant transaction.

46. The method of claim 42 further comprising reconciling the credit for the selected incentive and the consumer-merchant transaction and permitting a charge in excess of the selected incentive where the consumer-merchant transaction is in an amount in excess of the redemptive amount of the selected incentive.