SUPPLY OF REQUESTED OFFER BASED ON POINT-OF-SERVICE TO OFFEREE DISTANCE

• US 20080319843A1
• Filed: 06/22/2007
• Published: 12/25/2008
• Est. Priority Date: 06/22/2007
• Status: Abandoned Application

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Moser, Dennis Norman, DeWitt, Jay A.
• Application Number:
  US11/767,218
• Publication Number:
  US 20080319843A1
• Time in Patent Office: Days
• US Class Current: 705/14
• CPC Class Codes: G06Q 30/0223 based on inventory
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

An automated communication system supplies a requested offer for inventory to an offeree based on the distance between an offeror-merchant to the offeree. A consumer can request an in-person offer for inventory using a consumer device that transmits to a Requested Offer Supplier (ROS) the request, the location of the consumer device to a Requested Offer Supplier (ROS), and a return address. The ROS matches the consumer'"'"'s request for inventory to a set of merchants having the requested inventory, and that are willing to make an in-person offer for the requested inventory. The ROS transmits the in-person offer to the consumer with the consumer device. The customer may then travel to the offering merchant and enter into a transaction with the merchant for the requested inventory that applies the in-person offer to the transaction.

Claims

1. A method comprising:

receiving, at an automated communication system, a first consumer device transmission including;

a request for inventory;

the location of a consumer device transmitting the first consumer device transmission; and

a return address;

forming, from a first database in communication with the automated communication system, a first set of matching merchants from a first plurality of merchants that have respective inventories matching the requested inventory;

forming, from a second database in communication with the automated communication system, a second set of matching merchants from a second plurality of merchants as a function of a first distance between the location of the consumer device and that of each said merchant in the second plurality thereof;

forming, from a third database in communication with the automated communication system, a third set of matching merchants that are both in the first set and the second set and offering an in-person offer for a good or service corresponding to the requested inventory, wherein the in-person offer is derived using a second distance;

and

forming, at the automated communication system, a transmission addressed to the return address and including the third set of matching merchants, their respective locations, and their respective in-person offers.

2. The method as defined in claim 1, further comprising sending the transmission addressed to the return address within about five minutes from the receiving of the first consumer device transmission.

3. The method as defined in claim 1, wherein the first set of matching merchants is identified by:

classifying the received requested inventory, according to a predetermined inventory classification system, into at least one inventory category; and

identifying those merchants in the first database that have inventory in at least one inventory category.

4. The method as defined in claim 1, wherein:

the received requested inventory is a make and model product identifier; and

the first set of matching merchants are identified by matching the make and model product identifier with those merchants in the first database that have inventory corresponding to the make and model product identifier.

5. The method as defined in claim 1, wherein:

for each said merchant in the second plurality thereof, the first distance computed from the location of the consumer device is less than a predetermined distance; and

the first distance is determined by a calculation selected from the group consisting of;

the straight line distance;

the motorized route distance;

the non-motorized route distance;

a distance which can be covered within in a predetermined time period using a motorized vehicle; and

a distance which can be covered within in a predetermined time period using a non-motorized vehicle; and

a distance which can be covered within in a predetermined time period by walking.

6. The method as defined in claim 1, wherein the second distance is selected from the group consisting of:

the first distance; and

the distance between the consumer device and competitors of each said merchant in the second plurality thereof, respectively.

7. The method as defined in claim 1, wherein:

the first consumer device transmission includes a unique identifier of a consumer; and

the in-person offer is derived by also using the unique identifier of the consumer.

8. The method as defined in claim 7, wherein the consumer is selected from the group consisting of:

a person holding an account in a payment system;

a group of persons;

a group associated with an account in a payment system; and

an identifier for the consumer device.

9. The method as defined in claim 1, wherein each said respective in-person offer further comprises an inventory list from each merchant in the third set of matching merchants that match the received requested inventory.

10. The method as defined in claim 9, wherein the inventory list includes one or more goods and services with corresponding information about each.

11. The method as defined in claim 1, further comprising storing in a transmission database the first consumer device transmission and optionally the transmission addressed to the return address.

12. The method as defined in claim 1, wherein:

the transmission addressed to the return address is addressed to the consumer device;

the transmission addressed to the return address further including an offer-confirmation code corresponding to the respective in-person offer; and

the method further comprising forming, at the automated communication system, a first merchant transmission addressed each said merchant in the third set of matching merchants and including the offer-confirmation code corresponding to the respective in-person offer.

13. The method as defined in claim 12, further comprising receiving a first confirmation transmission including data that confirms that the offer-confirmation code in the transmission addressed to the return address was matched at a location of at least one said merchant in the third set of matching merchants.

14. The method as defined in claim 13, wherein the first confirmation transmission further comprises the location of the corresponding merchant for the transaction, a date on which the transaction took place, and a financial amount of the transaction.

15. The method as defined in claim 13, further comprising accessing a fee for at least one of the first consumer device transmission, the transmission addressed to the return address, the first merchant transmission, and the first confirmation transmission.

16. The method as defined in claim 13, wherein confirmation transmission further comprises data indicating that the matched offer-confirmation code corresponds to a transaction for the corresponding in-person offer at the at least one said merchant in the third set of matching merchants.

17. The method as defined in claim 16, wherein the offer confirmation code is validated through a payment processing system processing the transaction corresponding to the in-person offer at the at least one said merchant in the third set of matching merchants.

18. The method as defined in claim 16, further comprising accessing a fee for the transaction corresponding to the in-person offer at the at least one said merchant in the third set of matching merchants.

19. The method as defined in claim 1, further comprising:

sending, from the automated communication system to a merchant processing system, a first processing system transmission communicating information selected from a group consisting of;

the requested inventory, an indication of the location of the consumer device transmitting the first consumer device transmission, a location of the merchant'"'"'s competitor, a location of a home address of a consumer associated with the consumer device, and a combination thereof; and

receiving, at the automated communication system from the merchant processing system, a second processing system transmission including a subset of the third set of matching merchants that are both in the first set and the second set and offering an in-person offer for the requested inventory and their respective in-person offers, wherein the in-person offer is derived from a second distance.

20. The method as defined in claim 1, further comprising, prior to the receiving, enrolling with the automated communication system a plurality of consumers each corresponding at least one said consumer device and each said merchant in the first and second plurality of merchants.

21. The method as defined in claim 20, further comprising accessing a fee for one or more said enrollments.

22. The method as defined in claim 1, wherein the second database includes the first set of matching merchants and the third database includes the second set of matching merchants.

23. The method as defined in claim 1, wherein the received requested inventory includes an optically scanned image data.

24. The method as defined in claim 23, wherein the optically scanned image data includes at least one of a Universal Product Code, and a Stock Keeping Unit (SKU) number.

25. The method as defined in claim 1, wherein the in-person offer is valid for a transaction that physically occurs only at the location of each said respective merchant in the third set of matching merchants.

26. A computer-readable medium comprising computer readable instructions which, when executed by a processor, performs the method of claim 1.

27. An automated communication system comprising:

means for receiving a first consumer device transmission including;

a request for inventory; and

the location of a consumer device transmitting the first consumer device transmission;

means for forming, from a first database in communication, a first set of matching merchants from a first plurality of merchants that have respective inventories matching the requested inventory;

means for forming, from a second database, a second set of matching merchants from a second plurality of merchants as a function of a first distance between the location of the consumer device and that of each said merchant in the second plurality thereof;

means for forming, from a third database, a third set of matching merchants that are both in the first set and the second set and offering an in-person offer for a good or service corresponding to the requested inventory, wherein the in-person offer is derived using a second distance;

and

means for forming a second consumer device transmission addressed to the consumer device and including the third set of matching merchants, their respective geographic locations, and their respective in-person offers.

28. The automated communication system as defined in claim 27, wherein the in-person offer includes a duration for which the in-person offer is irrevocable.

29. The automated communication system as defined in claim 28, wherein the duration corresponds to a travel time equivalent of the group consisting of the first distance and the second distance.

30. The automated communication system as defined in claim 27, further comprising an offer confirmation code for each said third set of matching merchants, wherein:

the second consumer device transmission to the consumer further includes the offer confirmation code for each said third set of matching merchants; and

the offer confirmation code for each said third set of matching merchants is further transmitted to the respective each said third set of matching merchants.

31. The automated communication system comprising:

a call handler to send and receive consumer device transmissions over a network;

a server in communication with the call handler; and

storage for;

information of a plurality of merchants including;

each merchant name;

each merchant location;

AND

each merchant inventory;

code, executable by the server, to;

receive a first said consumer device transmission including;

a request for inventory; and

the location of a consumer device transmitting the first consumer device transmission;

form from the information, a first set of matching merchants from the plurality of merchants that have respective inventories matching the requested inventory;

form, from the information, a second set of matching merchants from the plurality of merchants as a function of a first distance between the location of the consumer device and that of each said merchant in the plurality thereof;

form a third set of matching merchants that are both in the first set and the second set and offering an in-person offer for a good or service corresponding to the requested inventory, wherein the in-person offer is derived using a second distance;

and

form a second consumer device transmission addressed to the consumer device and including the third set of matching merchants, their respective locations, and their respective in-person offers.

32. The automated communication system as defined in claim 31, wherein the requested inventory is given in the form selected from the group consisting of:

a description of a good;

a description of a service, a category of a good, a category of a service, a Stock Keeping Unit (SKU), a Universal Product Code (UPC), a International Standard Book Number, a description of a manufacturer, a description of the function of a good, a description of a function of a service, and a combination thereof.

33. The automated communication system as defined in claim 31, wherein the in-person offer includes a duration for which the in-person offer is irrevocable.

34. The automated communication system as defined in claim 31, the location of the consumer device location and the merchant location are each selected from the group consisting of:

the street address of the consumer device, the latitude and longitude of the consumer device, the World Geodetic System coordinates of the consumer device, and combinations thereof.

35. The automated communication system as defined in claim 31, wherein the consumer device is selected from the group consisting of:

a cellular phone, a kiosk, and a personal digital assistant.

36. The automated communication system as defined in claim 31, wherein the second distance includes at least one of:

the first distance and a relative distance between the consumer device and a competitor of each said merchant in the second plurality thereof.

37. The automated communication system as defined in claim 31, further comprising an offer confirmation code for each said third set of matching merchants, wherein:

the second consumer device transmission to the consumer further includes the offer confirmation code for each said third set of matching merchants;

and

the offer confirmation code for each said third set of matching merchants is further transmitted to the respective each said third set of matching merchants.