Method and apparatus for sending a rebate via electronic mail over the internet

• US 10,275,780 B1
• Filed: 11/07/2000
• Issued: 04/30/2019
• Est. Priority Date: 11/24/1999
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: McCullough, Joseph R., Lehman, Dean K.
• Primary Examiner(s): Duran, Arthur
• Application Number:
  US97/075,87
• Time in Patent Office: 6,748 Days
• Field of Search: 705 14, 705 141- 1473
• 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

Abstract

A method and apparatus are disclosed for transferring money representing a rebate from a retailer or manufacturer to a customer/recipient via an electronic mail message over a computer network such as the Internet. The recipient purchases, either conventionally or via an online store, a product for which an electronic rebate applies. In one embodiment, the recipient acquires the product through a conventional sale and requests a rebate online. Using the product'"'"'s universal product code and serial numbers as identifiers, the sale is authenticated, and a transaction processor completes a funds transfer between the retailer or manufacturer and the recipient.

Claims

1. A method for processing a funds transfer representing a rebate associated with a product purchased by a customer, the method comprising:

after purchase of the product by the customer, a rebate computer processor inputting a completed rebate application received over a computer network from the customer and including rebate information, the rebate information comprising;

a request to initiate a funds transfer associated with the product purchase;

a recipient identifier identifying a rebate recipient;

amount data representing an amount of money to be rebated to the rebate recipient; and

product data including a universal product code of the product that was purchased and a serial number of the product that was purchased;

the rebate computer processor verifying that the universal product code of the product that was purchased and the serial number of the product that was purchased match those of an eligible rebate transaction;

the rebate computer processor creating a single electronic file comprising a plurality of verified rebate applications received during a time period, the rebate processor outputting the single electronic file to a transaction computer processor;

wherein the transaction computer processor;

parses the single electronic file into a plurality of individual transaction records, each transaction record comprising an electronic message including embedded funds transfer data based on the rebate information;

assigns a transaction ID to each transaction record; and

creates an individual electronic message for each rebate application; and

the rebate computer processor sending the electronic message to each rebate recipient over the computer network using the recipient identifier, which was received from the rebate recipient, to inform the rebate recipient that the rebate request has been processed.

2. The method of claim 1, wherein the electronic message includes the universal product code and serial number.

3. The method of claim 1, further including the step of the rebate computer processor inputting the information based on a rebate application received from the rebate recipient.

4. The method of claim 3, the rebate computer processor creating an electronic batch file for a plurality of rebate applications received during a predetermined period of time.

5. The method of claim 4, further including parsing the electronic batch file into individual transaction records, each being associated with a respective recipient identifier.

6. The method of claim 1, wherein the single electronic file is a batch file containing the plurality of rebate applications during the time period.

7. The method of claim 6, the individual electronic message for each rebate application is constituted by an email message for each rebate application.

8. The method of claim 1, further including generating and displaying, to the customer, a warranty registration page, the warranty registration page being displayed upon determining that both the universal product code of the product that was purchased and the serial number of the product that was purchased are valid, and the warranty registration page being presented to the customer to request the customer to input warranty information.

9. The method of claim 8, further including the warranty registration page being customized based on the purchased product and manufacturer.

10. The method of claim 1, further including, subsequent to the universal product code of the product that was purchased and the serial number of the product that was purchased being received from the customer, generating and displaying, to the customer, a warranty registration page, the warranty registration page being displayed upon determining that both the universal product code of the product that was purchased and the serial number of the product that was purchased are valid, and

the warranty registration page being presented to the customer to request the customer to input warranty information.

11. A method for delivering a rebate to a customer, who constitutes a recipient of the rebate, and completing a funds transfer associated with a product purchase, the method comprising the steps of:

the rebate recipient making a purchase of the product and, subsequent to making the purchase, the recipient identifying product data including a universal product code of the product that was purchased and a serial number of the product that was purchased, the purchase being made via an online seller;

redirecting the rebate recipient from the online seller to a web site so as to effect delivery of the rebate;

receiving, by a computer processor, over a computer network, from the rebate recipient and subsequent to the rebate recipient making the purchase, a submission of information, the information received from the recipient including;

a request to receive a rebate associated with a product purchase;

a transaction identifier identifying the funds transfer associated with the product purchase; and

the product data including the universal product code of the product that was purchased and the serial number of the product that was purchased;

transferring funds, by the computer processor, based on the information that was received in the submission of information and information that is retrieved by the web site based on the transaction identifier, to a deposit account associated with the rebate recipient including;

verifying that the universal product code of the product that was purchased and the serial number of the product that was purchased match those of an eligible rebate transaction;

creating a single electronic file comprising a plurality of verified rebate applications during a time period, and outputting the single electronic file to a transaction computer processor; and

parsing the single electronic file a plurality of individual transaction records, each transaction record comprising an electronic message including embedded funds transfer data based on the rebate information;

assigning a transaction ID to each transaction record; and

creating an individual electronic message for each rebate application; and

outputting the individual electronic message to perform the funds transfer for the rebate to each rebate recipient; and

determining, by the computer processor, a recipient identifier identifying the rebate recipient;

determining, by the computer processor, a computer processor identifier identifying the rebate computer processor; and

sending, by the computer processor, a confirmation of the funds transfer to the rebate computer processor and the rebate recipient over the computer network using the computer processor identifier and the rebate recipient identifier, respectively.

12. The method of claim 11, wherein the transaction identifier includes a challenge/response.

13. The method of claim 12, wherein the challenge/response includes a universal product code and a serial number each associated with the product.

14. The method of claim 11, wherein the step of transferring includes the step of generating a paper check.

15. The method of claim 11, further including the step of registering the rebate recipient as a valid user.

16. The method of claim 11, wherein the step of receiving includes:

receiving from the rebate recipient a user identifier and password; and

wherein the method further includes the step of verifying that the rebate recipient is a valid user based on the user identifier and password.

17. An apparatus for initiating a funds transfer representing a rebate associated with a product purchase by a rebate recipient, the apparatus comprising:

a computer processor; and

a memory connected to said computer processor storing a program to control the operation of said computer processor;

the processor operative with the program in the memory to;

monitor a claim of the rebate submitted by the rebate recipient, and sending a reminder communication to the recipient once the rebate has not been claimed for a period of time;

receive over the computer network from a rebate computer processor;

a request to initiate a funds transfer associated with the product purchase, the product being purchased by the rebate recipient;

a recipient identifier identifying the rebate recipient;

amount data representing an amount of money to be rebated to the rebate recipient; and

product data identifying the particular individual product that was purchased by the rebate recipient, the product data including a universal product code of the product that was purchased and a serial number of the product that was purchased;

verify that the universal product code of the product that was purchased and the serial number of the product that was purchased match those of an eligible rebate transaction;

generate an electronic message, including embedded funds transfer data disposed in the electronic message, including;

creating a single electronic file comprising a plurality of verified rebate applications received during a time period, and outputting the single electronic file to a transaction computer processor; and

the transaction computer processor;

parsing the single electronic file into a plurality of individual transaction records, each transaction record comprising an electronic message including embedded funds transfer data based on the rebate information;

assigning a transaction ID to each transaction record; and

creating an individual electronic message for each rebate application; and

the computer processor sending the electronic message to each rebate recipient over the computer network using the recipient identifier to inform the rebate recipient that the rebate request has been processed

and the computer processor performing processing to determine whether the universal product code of the product that was purchased and the serial number of the product that was purchased match those of a valid rebate transaction.

18. The apparatus of claim 17, wherein the computer processor is further operative with the program in the memory to receive over the computer network from the rebate computer processor product data including a universal product code and a serial number.

19. The apparatus of claim 18, wherein the electronic message includes the universal product code and serial number.

20. An apparatus for delivering a rebate and completing a funds transfer associated with a product purchase, the apparatus comprising:

a computer processor; and

a memory connected to said computer processor storing a program to control the operation of said computer processor;

the computer processor operative with the program in the memory to;

receive over a computer network from a rebate recipient;

a request to receive a rebate associated with a product that has been previously purchased utilizing a separate computer processor; and

a transaction identifier identifying the funds transfer associated with the product purchase;

transfer funds to a deposit account associated with the rebate recipient including;

verifying that the universal product code of the product that was purchased and the serial number of the product that was purchased match those of an eligible rebate transaction;

creating a single electronic file comprising a plurality of verified rebate applications received during a time period, and outputting the single electronic file to a transaction computer processor; and

parsing the single electronic file into a plurality of individual transaction records, each transaction record comprising an electronic message including embedded funds transfer data based on the rebate information;

assigning a transaction ID to each transaction record; and

creating an individual electronic message for each rebate application; and

outputting the individual electronic message to perform the funds transfer for the rebate to the rebate recipient; and

the computer processor performing further processing including;

determining a recipient identifier identifying the rebate recipient;

determining a computer processor identifier identifying the rebate computer processor; and

send a confirmation of the funds transfer to the rebate computer processor and each rebate recipient over the computer network using the computer processor identifier and the recipient identifier, respectively.

21. The apparatus of claim 20, wherein the transaction identifier includes a challenge/response.

22. The apparatus of claim 21, wherein the challenge/response includes a universal product code and a serial number each associated with the product.

23. The apparatus of claim 20, wherein the computer processor is further operative with the program in the memory to generate a paper check.

24. The apparatus of claim 20, wherein the computer processor is further operative with the program in the memory to register the rebate recipient as a valid user.

25. The method of claim 20, wherein the computer processor is further operative with the program in the memory to:

receive from the rebate recipient a user identifier and password; and

verify that the rebate recipient is a valid user based on the user identifier and password.

26. An apparatus that initiates a funds transfer representing a rebate associated with a product purchase, the apparatus comprising:

a receiving portion that receives over the computer network from a rebate computer processor;

a request to initiate a funds transfer associated with the product purchase;

a recipient identifier identifying a rebate recipient;

amount data representing an amount of money to be rebated; and

product data including a universal product code of the product that was purchased and a serial number of the product that was purchased;

a generating portion that generates an electronic message that includes embedded funds transfer data, the generates an electronic message including;

verifying that the universal product code of the product that was purchased and the serial number of the product that was purchased match those of an eligible rebate transaction;

creating a single electronic file comprising a plurality of verified rebate applications received during a time period, and outputting the single electronic file to a transaction computer processor; and

the transaction computer processor;

parsing single electronic file into a plurality of individual transaction records, each transaction record comprising an electronic message including embedded funds transfer data based on the rebate information;

assigning a transaction ID to each transaction record; and

creating an individual electronic message for each rebate application; and

a sending portion that sends the electronic message to each rebate recipient over the computer network using the recipient identifier to inform the recipient that the rebate request has been processed.

27. The apparatus of claim 26, further including a further receiving portion that receives over the computer network from the rebate computer processor product data including a universal product code of the product and a serial number of the product.

28. The apparatus of claim 27, wherein the electronic message includes the universal product code and serial number.

29. An apparatus that delivers a rebate and completing a funds transfer associated with a product purchase, the apparatus comprising:

a receiving portion that receives over a computer network from a rebate recipient information including;

a request to receive a rebate associated with a product purchase, the product having been previously purchased and the rebate recipient previously verifying receipt of the purchased product; and

a transaction identifier identifying the funds transfer associated with the product purchase;

a transferring portion, in the form of a processing machine, that transfers funds, based on the information, to a deposit account associated with the rebate recipient, the transfer funds including;

verifying that the universal product code of the product that was purchased and the serial number of the product that was purchased match those of an eligible rebate transaction;

creating a single electronic file comprising a plurality of verified rebate applications received during a time period, and outputting the single electronic file to a transaction computer processor; and

parsing the single electronic file into a plurality of individual transaction records, each transaction record comprising an electronic message including embedded funds transfer data based on the rebate information;

assigning a transaction ID to each transaction record; and

creating an individual electronic message for each rebate application; and

outputting the individual electronic message to perform the funds transfer for the rebate to each rebate recipient; and

the transferring portion performing processing including;

a first determining portion that determines a recipient identifier identifying the rebate recipient;

a second determining portion that determines a computer processor identifier identifying the rebate computer processor; and

a sending portion that sends a confirmation of the funds transfer to the rebate computer processor and the rebate recipient over the computer network using the computer processor identifier and the recipient identifier, respectively.

30. The apparatus of claim 29, wherein the transaction identifier includes a challenge/response.

31. The apparatus of claim 30, wherein the challenge/response includes a universal product code and a serial number each associated with the product.

32. The apparatus of claim 29, further including a generating portion that generates a paper check.

33. The apparatus of claim 29, further including a registering portion that registers the rebate recipient as a valid user.

34. The apparatus of claim 29, further including:

a further receiving portion that receives from the rebate recipient a user identifier and password; and

a verifying portion that verifies that the rebate recipient is a valid user based on the user identifier and password.