Retail point-of-transaction systems, program products, and related methods to provide a customized set of identification data to facilitate a retail transaction using electronic coupons

• US 8,910,862 B2
• Filed: 11/25/2013
• Issued: 12/16/2014
• Est. Priority Date: 05/29/1998
• Status: Expired due to Fees

• Current Assignee: Stripe, Inc.
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Gangi, Frank J.
• Primary Examiner(s): Haupt, Kristy A
• Application Number:
  US14/088,748
• Publication Number:
  US 20140081734A1
• Time in Patent Office: 386 Days
• Field of Search: 235/380, 235/492, 235/381, 235/383, 235/379, 705/14
• US Class Current: 235/381
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/08 : by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0886 : the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/0893 : the card reader reading the card in a contactless manner
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/12 : Card verification

Abstract

Retail point-of-transaction systems, program products, and related computer implemented methods to provide a customized set of identification data to facilitate a retail sales point-of-sale transaction which includes the use of one or more electronic coupons is provided. The retail point-of-sale system can include a computer having memory and configured to facilitate one or more transactions each of which include the use of one or more electronic coupons through a retail point-of-transaction terminal positioned remote from, and adapted to be in communication with, the computer. The computer can also include a set of instructions that when executed by the computer cause the computer to redeem one or more electronic coupons for one or more retail transactions responsive to a customized set of identification data provided by the computer responsive to a data profile derived from a set of personal data of at least one of a plurality of remotely positioned users.

Claims

1. A computer-implemented method for processing transactions, comprising:

receiving, by one or more computing devices and from a communications device operated by a customer, an electronic coupon and personal data to facilitate a transaction between the customer and a merchant;

transmitting, by the one or more computing devices, data about the electronic coupon and the customer personal data to a remote server;

receiving, by the one or more computing devices and from the remote server, an indication that the transaction is authorized;

receiving, by the one or more computing devices and from the remote server, an incentive to promote future transactions by the customer; and

presenting, by the one or more computing devices, the incentive to the customer.

2. The method of claim 1, wherein the personal data comprises one or more of a personal identification, an account identifier, user payment data, and a password.

3. The method of claim 1, further comprising receiving, by the one or more computing devices from the remote server, a customized image of the customer and displaying the image on a point of transaction terminal at a merchant location.

4. The method of claim 1, further comprising converting, by the one or more computing devices, information received from the consumer into a bar code display format that is electronically readable by a point of transaction terminal at a merchant location.

5. The method of claim 1, wherein the data about the electronic coupon comprises information relating to a coupon in the barcode format that is electronically readable by a point of transaction terminal at a merchant location.

6. The method of claim 1, wherein the incentive comprises information relating to a new coupon in the barcode format that is electronically readable by a point of transaction terminal at a merchant location.

7. The method of claim 1, further comprising receiving, by the one or more computing devices and from the consumer, an indication that the consumer desires to engage in the transaction.

8. The method of claim 7, further comprising logging, by the remote server, a geographical location of the consumer in response to receiving from the one or more computing devices the indication that the consumer desires to engage in the transaction.

9. The method of claim 8, comparing, by the remote server, the indication that the consumer desires to engage in the transaction to the personal data to determine whether the transaction is authorized.

10. The method of claim 9, wherein comparing the indication that the consumer desires to engage in the transaction to the personal data input by the consumer comprises verifying the identity of the consumer.

11. A computer program product, comprising:

a non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a computer cause the computer to process transactions, the computer-readable program instructions comprising;

computer-readable program instructions for receiving from a communications device operated by a customer, an electronic coupon and customer data to facilitate a transaction between the customer and a merchant;

computer-readable program instructions for transmitting data about the electronic coupon and the customer data to a remote server;

computer-readable program instructions for receiving from the remote server an indication that the transaction is authorized;

computer-readable program instructions for receiving from the remote server an incentive to promote future transactions by the customer; and

computer-readable program instructions for presenting the incentive to the customer.

12. The computer program product of claim 11, wherein the customer data comprises one or more of a personal identification, an account identifier, user payment data, and a password.

13. The computer program product of claim 11, wherein the data about the electronic coupon comprises information relating to a coupon in the barcode format that is electronically readable by a point of transaction terminal at a merchant location.

14. The computer program product of claim 11, wherein the incentive comprises information relating to a new coupon in the barcode format that is electronically readable by a point of transaction terminal at a merchant location.

15. The computer program product of claim 11, wherein the remote server authorized the transaction at least in part in response to comparing a geographic location of the consumer when the consumer indicates a desire to engage in the transaction to the personal data.

16. A system for processing transactions, comprising:

a storage device; and

a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to;

receive from a communications device operated by a customer, an electronic coupon and customer data to facilitate a transaction between the customer and a merchant;

transmit data about the electronic coupon and the customer data to a remote server;

receive from the remote server an indication that the transaction is authorized;

receive from the remote server an incentive to promote future transactions by the customer; and

present the incentive to the customer.

17. The system of claim 16, wherein the customer data comprises one or more of a personal identification, an account identifier, user payment data, and a password.

18. The system of claim 16, wherein the data about the electronic coupon comprises information relating to a coupon in the barcode format that is electronically readable by a point of transaction terminal at a merchant location.

19. The system of claim 16, wherein the incentive comprises information relating to a new coupon in the barcode format that is electronically readable by a point of transaction terminal at a merchant location.

20. The system of claim 16, wherein the remote server authorized the transaction at least in part in response to comparing a geographic location of the consumer when the consumer indicates a desire to engage in the transaction to the personal data.