WO2000075855A2 - Systeme de gestion d'informations transactionnelles de consommateur accompagnant le consommateur - Google Patents

Systeme de gestion d'informations transactionnelles de consommateur accompagnant le consommateur Download PDF

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Publication number
WO2000075855A2
WO2000075855A2 PCT/US2000/015257 US0015257W WO0075855A2 WO 2000075855 A2 WO2000075855 A2 WO 2000075855A2 US 0015257 W US0015257 W US 0015257W WO 0075855 A2 WO0075855 A2 WO 0075855A2
Authority
WO
WIPO (PCT)
Prior art keywords
consumer
merchant
transaction
information
captured
Prior art date
Application number
PCT/US2000/015257
Other languages
English (en)
Other versions
WO2000075855A3 (fr
Inventor
J. Gregory Stout
Original Assignee
Receiptcity.Com, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Receiptcity.Com, Inc. filed Critical Receiptcity.Com, Inc.
Publication of WO2000075855A2 publication Critical patent/WO2000075855A2/fr
Publication of WO2000075855A3 publication Critical patent/WO2000075855A3/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F8/00—Arrangements for software engineering
    • G06F8/30—Creation or generation of source code
    • G06F8/34—Graphical or visual programming
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/35—Individual registration on entry or exit not involving the use of a pass in combination with an identity check by means of a handwritten signature
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/201—Accessories of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G5/00—Receipt-giving machines

Definitions

  • FIG. 1 illustrates a system including an operations center 8 cooperating with local stations 10. Each of the local stations 10 is located at, say, a supermarket where coupons are to be distributed and redeemed. The operations center 8 typically is centrally located with a view toward ease of communication between it and each of the local stations 10.
  • the operations center 8 contains a data-entry system 12, an image-capture system 14 and a central processing unit 16.
  • the image- capture system 14 enables video images of the coupons to be presented at the separate stores.
  • Each of the local stations 10 includes an automated UPC scanning checkout system 18 and a local coupon distribution and redemption (CDR) unit 20.
  • CDR coupon distribution and redemption
  • the local CDR unit 20 presents an electronic display to the customer of the coupons which are available for redemption. The customer then selects the coupons which he or she wishes to redeem.
  • the CDR unit 20 records the selection and makes information identifying the customer and the selected coupons available to each of the checkout stations which comprise the checkout system 18 of the supermarket.
  • Fig. 4 Mahberger describes a method for coupon selection (distribution) and redemption.
  • Customers using a CDR unit 20 are initially presented with advertisements. Normally, the advertisements run until a special card is inserted into a card reader.
  • the card reader checks the card to determine when the user previously accessed coupons in that type of retail outlet. Thereafter, the possibilities are several. If the card indicates that the user accessed the system in that type of retail outlet during some predetermined time period, a screen appears explaining that the card is not valid in that type of store for the remainder of the time period. If the user's last access to the coupons in that type of retail outlet was not during the most recent week, the customer proceeds to select coupons.
  • a screen is filled with coupons.
  • the user has a predetermined time to choose coupons or to touch the "hold” or “next" space before a next screen filled with coupons is displayed. If a coupon is chosen, that choice is noted under the user account number.
  • Discounted Coupon-selection information is reported via a communications link to the local processor which controls the store's automated checkout (UPC code scanning) system. This facilitates a subsequent comparison of coupons selected to purchases made.
  • the checkout system 18 After the user has made his purchases, he goes to one of the checkout stations and presents his card to the attendant at the station. A card reader reads the card, and the checkout system 18 then automatically credits the customer for the coupons the customer has selected where there are corresponding purchases against which the coupons are to be applied.
  • the Morrisberger system is limited in several respects.
  • the Fishberger local stations 10 include both a CDR 20 and a scanning checkout system 18, indicating their placement at checkout lanes. This placement, however, requires that some checkout- lane space and availability be sacrificed to permit shoppers to make pre- shopping coupon selections in the checkout-lane space. Retailers are loathe to reduce the throughput of their registers -- for fear of frustrating and ultimately alienating customers.
  • the operating center 8 communicates with multiple local stations 10. These local stations are located within one retailer only.
  • coupon-selection information As well as other information from the coupon-selection device to whatever POS platform the consumer visits. Different consumer platforms may be in different retailers.
  • the method includes capturing transaction information regarding a consumer at a first merchant, storing the captured selection information on a server and applying that captured transaction information to a transaction involving the consumer at a second merchant. Before applying the captured transaction information, the consumer is identified in a transaction at the second merchant.
  • the first and second merchants and the server may be communicatively coupled by means of an internet - perhaps even the Internet.
  • the type of transaction information captured may include credit information or loyalty information.
  • the second transaction may be initiated by a browser on a personal computer connected to the Internet.
  • Figure 1 is a diagram illustrating an electronic transaction system incorporating one embodiment of the invention.
  • Figure 2 illustrates the data farm, incorporating an embodiment of the invention. DESCRIPTION OF SPECIFIC EMBODIMENTS
  • Figure 1 is a diagram illustrating an electronic transaction system 100 incorporating one embodiment of the invention.
  • the system 100 includes one or more merchants 120, a central data farm 140 and a personal computer 190.
  • the system 100 also includes communications link 180.
  • the merchant(s) 120 and the data farm 140 are each communicatively connected as hosts on that internet 180.
  • the internet 180 allows any one host to communicate with any other.
  • the personal computer 190 is viewed as a host on the internet 180. although its actual status is more likely to depend on the directness of its connection to that internet 180 - through optional service providers not shown, for example.
  • a merchant 120 may include a merchant data center 127 and one or more point-of-sale (POS) systems 126.
  • a POS system 126 and the merchant data center 127 communicate over a communications link 128 (typically a serial link) or a communications link 122.
  • the POS system 126 is communicatively connected as a host on the internet 180, allowing communication with any other host on the internet 180.
  • the POS system 126 includes a portion 1262 that is typically a non-web-enabled cash register (although the portion 1262 may be web-enabled).
  • An optionally web-enabled portion 1261 is herein termed the "transaction computer.”
  • a communications link 1263 may communicatively couple the portions 1261. 1262.
  • the web-enabled transaction computer 1261 connects the POS system 126 to the internet 180.
  • the POS system 126 may integrate the typically non-web- enabled ("cash-register " ) and web-enabled portions 1262, 1261 of the POS payment platform, may maintain them distinct from but directly connected to each other or may only associate the non-web-enabled and web-enabled portions 1262. 1261 of the POS platform (i.e., indirectly connect the cash-register and interactive web-enabled portions 1262, 1261 of the payment platform.) Alternatively, the POS system 126 may omit the non- web-enabled portion 1262 of the POS platform altogether, as would typically be the case with small merchants 120.
  • the web-enabled transaction computer 1261 is of a type known in the art.
  • the iPOS TC (available from @POS.COM, San Jose, California) is an example of an web-enabled TC 1261.
  • An alternative embodiment of the POS system 126 is as a web server where consumers can purchase products.
  • a walk-through of a typical transaction illustrates the system 100 in situ:
  • a customer of a merchant 120a enters the merchant 120a's POS location or web site having the POS system 126.
  • the customer wishes to purchase a selection of the merchant 120a's goods.
  • the customer presents to the merchant 120a 's sales agent the selected goods.
  • the sales agent identifies each of the selected items - by scanning each past a bar-code scanner (not shown) in the POS system 126, for example.
  • the currently popular form of marking items for subsequent scanning for purchase is by Uniform Product Code (UPC).
  • UPC Uniform Product Code
  • the POS platform 126, the merchant data center 127 and the data farm 140 individually or in concert identify the customer.
  • the customer may, for example, present a credit, debit, loyalty or like card that explicitly and uniquely identifies him to the data farm 140.
  • the system may, for example, identify the consumer by a user name and password, by account number and PIN (personal identification number), or by other combinations of identifier and surety.
  • the system may use a set of heuristics to identify the customer from multiple incomplete but overlapping identifiers (zip code and numbers in street address, for example) that successively exclude candidates from a database of candidates.
  • the system 126, 127 or 140 may, for example, biometrically identify the consumer.
  • the POS system 126 communicates with the merchant data center 127, the data farm 140 or an application service provider 1A0.
  • the result of the communications is that the customer is presented with content that the merchant data center 127, the data center 140 or the ASP 1A0 determines is appropriate for the customer.
  • the customer may see an instantly redeemable coupon for the MP3 player that he is currently purchasing. He may see a coupon for the type of batteries that power the portable stereo he is purchasing. He may see a survey from the merchant 120a regarding service at the merchant 120a 's store (or web site) or from a manufacturer regarding consumer electronics. He may see an interactive advertisement.
  • Each transmitted content encourages the customer to attend to and, as appropriate, to indicate consent to its proposition.
  • the content encourages the customer to select the coupon by touching an area of the screen of the POS system 126 or clicking on an area of a web page, for example.
  • a response to a content may be communicated to the data farm 140.
  • the lack of a response, which is of itself useful information, may or may not be explicitly communicated to the data farm 140. Additionally or alternatively, the interactive portion 1261 may be so responsive.
  • the data farm 140 associates the customer with a representation of the discount coupon.
  • the representation of the coupon includes all the restrictions of the coupon to apply to a subsequent transaction - the type of item (batteries), the brand of the item (Ray-o- Bunny), a UPC code, expiration date, limitation on quantity, etc.
  • the coupon restrictions do not identify the merchant 120a.
  • the transaction eventually concludes. At some later date, the customer goes to another merchant 120b not associated with the original merchant 120a. There he buys a pack of batteries, to which the discount coupon is applicable.
  • the POS platform 126b (again, perhaps with the help of a merchant data center 127 or the data farm 140) identifies the customer.
  • the data farm 140 and the POS platform 126b recognize that the identified consumer has a coupon credit applicable to the transaction at the POS system 126b. (The data farm 140 or the merchant 120 may verify the current validity of the credit.) Accordingly, the POS platform 126 credits the consumer the 15% discount for the coupon selected previously at the POS platform 126a of the merchant 120a.
  • the data farm 140 and merchant 120b again communicate to update the data farm's records.
  • the update indicates that the consumer no longer has the discount (credit) available.
  • FIG. 2 illustrates the computer system 140, incorporating an embodiment of the invention.
  • the development host 140 may include the following: a central processing unit (“CPU") 141, a memory 142, a user interface 143, a port 144, a communications interface 145, a co-processor 146 and an internal bus 147.
  • the bus 147 communicatively interconnects the CPU 141, memory 142, user interface 143, port 144, communications interface 145 and co-processor 146. (Of course, in a distributed computing environment, some of these components may be on separate physical machines, as is well understood in the art of distributed computing. )
  • the memory 142 includes high-speed, volatile random-access memory (RAM) 1422, as well as non-volatile memory such as read-only memory (ROM) 1421 and magnetic disk drives. Further, the memory 142 contains software 1423. The software 1423 is layered: Application software 14231 communicates with the operating system 14232, and the operating system 14232 communicates with the I/O subsystem 14233. The I/O subsystem 14233 communicates with the CPU 141. user interface 143, the communications interface 145 and the co-processor 146 by means of the communications bus 147.
  • the memory 142 may be programmed according to the methods described herein.
  • the content to which the consumer may indicate consent is not limited to coupons but includes the array of offers (promotions) known in the advertising art in whatever form.
  • the merchant 120b not necessarily associated with the original merchant 120a, may even compete with the merchant 120a.
  • the second merchant 120b may be an e-tailer 120 that the consumer accesses from his personal computer 190.
  • the type of information generated at one transaction that follows a consumer to another transaction may be credit, loyalty or other consumer-transaction type information.

Abstract

L'invention concerne un système et un procédé de stockage et de recherche d'informations transactionnelles de consommateur. Le procédé consiste à rechercher des informations transactionnelles concernant un consommateur auprès d'un premier commerçant. Il consiste ensuite à stocker dans un serveur les informations transactionnelles récoltées, puis à exploiter ces informations dans le cadre d'une transaction impliquant le consommateur auprès d'un second commerçant. Avant l'exploitation desdites informations transactionnelles récoltées, le consommateur est identifié dans le cadre d'une transaction s'effectuant auprès du second commerçant. Le premier commerçant, le second commerçant et le serveur peuvent communiquer par un réseau interne - voire par Internet. Le type d'informations transactionnelles récoltées peut inclure des informations de solvabilité ou des informations de fidélisation. La deuxième transaction peut être engagée par le biais d'un navigateur d'un ordinateur personnel relié à Internet.
PCT/US2000/015257 1999-06-04 2000-06-02 Systeme de gestion d'informations transactionnelles de consommateur accompagnant le consommateur WO2000075855A2 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US13757599P 1999-06-04 1999-06-04
US60/137,575 1999-06-04
US14138099P 1999-06-28 1999-06-28
US60/141,380 1999-06-28
US48088300A 2000-01-10 2000-01-10
US09/480,883 2000-01-10

Publications (2)

Publication Number Publication Date
WO2000075855A2 true WO2000075855A2 (fr) 2000-12-14
WO2000075855A3 WO2000075855A3 (fr) 2001-06-28

Family

ID=27385040

Family Applications (7)

Application Number Title Priority Date Filing Date
PCT/US2000/015369 WO2000079496A2 (fr) 1999-06-04 2000-06-02 Portail de service/point de vente (pos)
PCT/US2000/015371 WO2000075835A2 (fr) 1999-06-04 2000-06-02 Chambre forte protegee sur internet pour reçus, documents juridiques et commerce du consommateur
PCT/US2000/015363 WO2000075890A1 (fr) 1999-06-04 2000-06-02 Affichage de publicites en couleurs sur des plateformes de points de ventes ou de services (pos)
PCT/US2000/015368 WO2000075834A2 (fr) 1999-06-04 2000-06-02 Service electronique de reçus
PCT/US2000/015365 WO2000079493A1 (fr) 1999-06-04 2000-06-02 Outil visuel pour dispositifs interactifs de vente
PCT/US2000/015195 WO2000075879A1 (fr) 1999-06-04 2000-06-02 Obtention d'une signature a l'aide d'un langage de balisage
PCT/US2000/015257 WO2000075855A2 (fr) 1999-06-04 2000-06-02 Systeme de gestion d'informations transactionnelles de consommateur accompagnant le consommateur

Family Applications Before (6)

Application Number Title Priority Date Filing Date
PCT/US2000/015369 WO2000079496A2 (fr) 1999-06-04 2000-06-02 Portail de service/point de vente (pos)
PCT/US2000/015371 WO2000075835A2 (fr) 1999-06-04 2000-06-02 Chambre forte protegee sur internet pour reçus, documents juridiques et commerce du consommateur
PCT/US2000/015363 WO2000075890A1 (fr) 1999-06-04 2000-06-02 Affichage de publicites en couleurs sur des plateformes de points de ventes ou de services (pos)
PCT/US2000/015368 WO2000075834A2 (fr) 1999-06-04 2000-06-02 Service electronique de reçus
PCT/US2000/015365 WO2000079493A1 (fr) 1999-06-04 2000-06-02 Outil visuel pour dispositifs interactifs de vente
PCT/US2000/015195 WO2000075879A1 (fr) 1999-06-04 2000-06-02 Obtention d'une signature a l'aide d'un langage de balisage

Country Status (2)

Country Link
EP (1) EP1185945A2 (fr)
WO (7) WO2000079496A2 (fr)

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WO2000079496A2 (fr) 2000-12-28
WO2000075834A3 (fr) 2001-05-25
WO2000075890A1 (fr) 2000-12-14
WO2000075835A2 (fr) 2000-12-14
EP1185945A2 (fr) 2002-03-13
WO2000079496A3 (fr) 2001-02-15
WO2000079493A1 (fr) 2000-12-28
WO2000075835A3 (fr) 2001-05-03
WO2000075879A1 (fr) 2000-12-14
WO2000075855A3 (fr) 2001-06-28

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