JP6133336B2 - Transferable indicia and display with associated fee commissioning system - Google Patents

Description

RELATED APPLICATION This application claims the priority of US Provisional Patent Application No. 61 / 608,820, filed on March 9, 2012, and US Provisional Application No. 13 filed on January 16, 2013. It is also a partial continuation application of No./742608.

  Stored value associated with products or services ranging from multipurpose reloadable debit cards (open or closed loop) and wireless cell phone talk time to digital downloads, transit applications, and the purchase of tangible products The spread of stored value cards has progressed greatly over the last few years. As usage has increased, systems and methods for providing and using such cards have evolved.

  Stored value cards can generally be divided into two categories: chip cards and account cards. For chip cards (eg, “smart cards”), a value account may actually exist on the card itself. In contrast, for an account card, the card may be associated with a value account that may exist elsewhere, such as on a payment processor or in a financial institution database. In such a situation, the stored value card may be provided with an indicia, such as, but not limited to, an account number that can be used to conduct card transactions such as activation, redemption, reloading, recharging, etc.

  However, the need or usefulness of the physical card itself (or any such tangible medium with the information necessary to access the underlying stored value account) is the digital device (cell phone, mobile The use of devices, tablets, laptop computers, other computers, electronic readers such as, but not limited to, Nook® and Kindle® may increase significantly.

  As the need, utility, or desirability of physical cards decreases, indicia associated with the underlying value account can become increasingly important. Thus, an indicium that is associated with a stored value account and can be transferred at the same time may be desirable.

  Aspects of the present invention are methods for determining a fee amount in a multi-party transaction relating to purchase of goods or services by an obtaining user, wherein the goods or services are related to an indicium, and the multi-party transaction is A transaction with a provider, the provider is in selective communication with the central processor, and the method includes, from the provider, an indicium associated with the goods or services related to the purchase by the central processor. Receiving the purchase price of the goods or services, determining the goods or services associated with the indicia by the central processor, and determining factors related to the multi-party transaction by the central processor, the factors being , Related to the purchase price of goods or services, the identity of the provider and the supplier Starting with the fee to provide if there is a vendor fee to provide, based at least in part on determining and including the vendor characteristics to serve and the starting vendor characteristics associated with the starting vendor's identity and starting vendor If there is a merchant fee, a method can be provided that comprises calculating the fee.

  Another aspect of the present invention is a method for determining a fee amount in a multi-party transaction for purchase of goods or services by a user obtained at a provider, wherein the goods or services are captured from the merchant initiated by the initiating user, In connection with the indicia transferred to the obtaining user, the multi-party transaction is at least a transaction between a provider that selectively communicates with the central processor, and the method provides the purchase price of the indicia and transaction Receiving from the merchant by the central processor and determining by the central processor factors related to the multi-party transaction, the factors depending on the purchase price of the goods or services, the identity of the providing merchant, and the providing merchant Provided by any applicable promotions offered, with the identity of the starting contractor, and the starting contractor Any applicable promotions provided by the manufacturer of the goods or services, the characteristics of the starting user, the characteristics of the obtaining user, the location of the purchase transaction, and the purchase transaction The type, the value communicated to pay for the purchase transaction, the length of time elapsed between the ingestion of the indicia by the initiating user and the purchase of goods or services by the obtaining user, and the initiating and providing A decision to be selected from the group consisting of a competitive outlook between and a fee if there is a merchant fee to provide based at least in part on the factors and a fee if there is a fee for the starting merchant A method comprising: calculating.

  Some aspects of the present invention are systems for determining a fee amount in a multi-party transaction involving the purchase of goods or services by a user obtained at a provider, where the goods or services are captured from the merchant initiated by the initiating user. In connection with the indicia transferred to the obtaining user, the system is a commission delegation engine, at least a merchant interface configured for selective communication with the providing merchant, a data store, A data store comprising: information identifying and identifying characteristics relating to the merchant; information identifying the merchant's competitive landscape; and information relating to promotions provided by the providing or starting merchant; and a fee calculation module And calculate and start if there is a maturity for the provider's commission Is configured to calculate if there is a fee expiry for the subscriber, the calculation being based on the purchase price of the transaction, information received in the indicia available in the indicium, and / or information from the data store, A system comprising a commission delegation engine comprising a commission calculation module may be provided.

  These and other aspects will become apparent from the following description of the invention, taken in conjunction with the following drawings, but various changes and modifications may be made without departing from the spirit and scope of the novel concept of the invention. Can be implemented.

  The invention may be more fully understood by reading the following detailed description in conjunction with the accompanying drawings, in which like reference numerals are used to designate like elements. The accompanying drawings illustrate certain exemplary embodiments and may assist in understanding the following detailed description. Before describing embodiments of the present invention in detail, it is to be understood that the present invention is not limited to application to the details of the structure and arrangement of components set forth in the following description or illustrated in the drawings. The illustrated embodiments are to be understood as illustrative and are not limiting on the overall scope of the invention in any way. It should also be understood that the terminology and terminology used herein is for the purpose of description and should not be construed as limiting. The detailed description refers to the following drawings.

FIG. 3 illustrates an exemplary display according to some embodiments of the present invention. FIG. 3 illustrates an exemplary display according to some embodiments of the present invention. FIG. 4 illustrates an example display having an example indicia, according to some embodiments of the present invention. FIG. 3 illustrates an overall transaction flow according to some embodiments of the present invention. FIG. 3 illustrates various display communication methods or update methods according to some embodiments of the present invention. FIG. 3 illustrates an overall transaction flow according to some embodiments of the present invention. 2 is a table showing an exemplary delegation schedule according to some embodiments of the present invention. FIG. 2 illustrates a system and method for transferring one or more indicia between one or more users according to some embodiments of the invention. FIG. 2 illustrates a system and method for transferring one or more indicia between one or more users according to some embodiments of the invention. FIG. 2 illustrates a system and method for transferring one or more indicia between one or more users according to some embodiments of the invention. FIG. 2 illustrates a system and method for transferring one or more indicia between one or more users according to some embodiments of the invention. FIG. 2 illustrates a system and method for transferring one or more indicia between one or more users according to some embodiments of the invention. FIG. 2 illustrates a system and method for transferring one or more indicia between one or more users according to some embodiments of the invention. FIG. 2 illustrates a system and method for transferring one or more indicia between an organization and one or more users according to some embodiments of the invention. FIG. 2 illustrates a system and method for transferring one or more indicia in an business-to-business environment according to some embodiments of the invention. FIG. 2 illustrates a system and method for transferring one or more indicia identified by interested parties between one or more users according to some embodiments of the present invention. FIG. 2 illustrates a system and method for transferring one or more active indicia between one or more users according to some embodiments of the invention. FIG. 2 illustrates a system and method for transferring one or more indicia between one or more users in a group gift environment, according to some embodiments of the present invention. FIG. 2 illustrates a system and method for transferring one or more indicia between one or more users in a group gift environment, according to some embodiments of the present invention. FIG. 3 illustrates an authentication that can be used in accordance with some embodiments of the present invention to determine fee maturity when there are various merchant fee maturities. FIG. 4 illustrates a method according to some embodiments of the present invention for determining fee maturity when there are various merchant fee maturities. FIG. 4 illustrates a system according to some embodiments of the present invention for determining fee maturity when there are various merchant fee maturities.

  Before describing embodiments of the present invention in detail, it is to be understood that the present invention is not limited to application to the details of the structure and arrangement of components set forth in the following description or illustrated in the drawings. The invention is capable of other embodiments and of being practiced or carried out in various ways. It should also be understood that the terminology and terminology used herein is for the purpose of description and should not be construed as limiting.

  The matter illustrated in this description is provided to assist in a comprehensive understanding of the various exemplary embodiments disclosed in connection with the accompanying drawings. Accordingly, those skilled in the art will recognize that various changes and modifications to the exemplary embodiments described herein can be made without departing from the spirit and scope of the claimed invention. Descriptions of well-known functions and structures are omitted for clarity and brevity. Further, as used herein, the singular can be interpreted as the plural and, conversely, all words in the plural can be interpreted as being singular.

  This application is generally directed to systems, methods, and computer-readable media for advertising, tracking, processing, activating, authoring, and providing (including fees based on) a product or service to a customer. More specifically, the present invention is directed to various aspects, systems, components, and methodologies relating to at least one of the following.

(I) displaying various products or services to customers at retail stores;
(Ii) providing a customer with an indicia of goods or services;
(Iii) being enabled for a customer or initiating party to capture or store indicia in a device, such as a mobile phone, tablet, or computer;
(Iv) allowing the initiating party to maintain the indicium in an intermediate state prior to purchase on or in the device;
(V) For example, (a) the initiating party may be able to send an indicium (or an identifier associated with the indicium) to another party that may pay for the goods or services, ie the paying party, b) the initiating party may be able to send goods or services to another party or receiving party so that it can pay for the indicium and / or (c) the initiating party, paying party , And any other transferability that can be proved between them by the receiving party (each can be the same user or a different user), the indicia being transferable.

(Vi) the indicium can be used to purchase and / or activate and / or authorize goods or services;
(Vii) The indicium can comprise a variety of information, or can be created by combining different information. Indicia can evolve as they are transferred between various parties and retailers, in any case: (a) a specific product or service, (b) a starting retailer, (c) a starting party, ( d) the party purchasing, (e) the receiving party, (f) the retailer providing, (g) pricing for a particular product or service, and / or (h) the pricing of the product or service may be affected. One or more of certain promotions, rebates, customer loyalty memberships, coupons, or other programs or plans may be identified or associated with it.

  (Viii) In the case of an electronic merchandise, electronic service, digital merchandise, or digital service, the merchandise or service can be placed or downloaded to the retailer's device that actually begins, but is locked until the merchandise or service is purchased Can be done and this can prevent its use.

  (Ix) The goods or services are (a) the starting retailer (eg, via a regular in-lane transaction with point of sale (POS)), (b) the starting retailer's website or other online presence Or by visiting an electronic presence (c) via an application on the device (where the application can be associated with or provided by the starting retailer, third party, or competing retailer) (D) by visiting the location of a third party or competitor retailer and completing a purchase via a regular in-lane transaction at POS, or (e) a third party or competitor retailer website or other By visiting online presence or electronic presence It can be purchased.

  (X) When the goods or services are purchased, the starting retailer can receive commission payments, which can vary depending on who and how the purchase transaction originated. is there. For example, an indicium purchases goods or services at a starting retailer during an ordinary in-lane transaction at POS or via an application or online presence provided or managed for the starting retailer The starting retailer can receive a full fee, for example 100X. If the indicium is used to purchase goods or services at a later time, for example, via a third-party application or online presence, the starting retailer may charge a full fee (100X) or a slightly reduced fee ( 75X) can be received. A retailer that begins when an indicium is used later to purchase goods or services through a competing retailer (either in-line or through a competing retailer application or online presence) Can receive a reduced fee, for example 50X, and a competing retailer (now a retailer offering) can receive a 50X fee when participating in the entire program.

  (Xi) The commission of the starting retailer and / or the providing retailer may vary based on various promotions associated with the goods or services. For example, a starting retailer may attempt to increase the likelihood of becoming a retailer offering by lowering the overall price of a product or service, thereby reducing its fees. For example, if the starting retailer receives a 50X fee for the initial delivery of the indicia to the customer (even if purchased at a competitor retailer), the starting retailer will only have 25X goods or services This can potentially increase the likelihood of selling and the possibility of receiving a 75X fee instead of 50X in the event of a sales failure.

  In some embodiments of the present invention, various indicia may be stored in a basket on the mobile device for later purchase. In such circumstances, any party that has an indicium (a party that begins to have an indicia on their device in the hope of becoming a receiving or paying party) sells for a particular or related product or service Receive various updates or communications regarding promotions.

  As briefly noted above, the present invention may include a user display that may be present at a retailer store. User displays can be basic signage, video displays, touch screens, e-inks (eg, bi-stable displays), interactive displays, one or more screens or multi-screens or display zones, multimedia displays (eg, sound) Video, touch, smell, taste, etc.).

  The displayed information can be updated in various ways. In basic signage, the display can be updated according to the form of place, i.e. replacing various signs and displays. In the case of an electronic display (video or other form), the information on the display is transmitted via the use of a network connection (eg, Internet, T1, T3, cable, fiber optic, etc.) and mobile technology (eg, 3G, 4G Etc.), wireless technology (RFID, BlueTooth (R), or other wireless technology) or via updatable or replaceable memory (e.g., disk, memory card, thumb drive, DVD, or others) Storage devices, etc.) can be updated.

  A product or service can comprise any number of products. For example, stored value cards (for example, gift cards, prepaid debit cards), wireless telephone cards or wireless prepaid cards, gaming tokens or value cards, transportation tolls, laundry values, digital media ( Music, video, books, programs, software, games, applications, etc.), services, and / or any other virtual, electronic, digital, or physical goods.

  Indicia selected and stored by the initiating party may be placed, held and / or stored in various wallets, folders, groupings, or baskets associated with the mobile device. Such wallets, folders, groupings, or baskets can be created and managed by the user and vary from the starting retailer, the category of goods or services, the date of selection, the payment mechanism, etc. It can be associated with a characteristic. Indicia may be held in such a wallet, folder, grouping, or basket until purchase or until a time period has elapsed and the indicia expires. Alternatively, if the indicium is associated with a product or service and is associated with a specific price or promotion, the indicia shall expire or be deleted when the promotion ends or when the price is no longer available Can do.

  With reference to FIG. 1, an exemplary display 10 will now be discussed in accordance with some embodiments of the present invention. Display 10 may be any form of signage, video display, monitor, touch screen, bistable display, etc. 110. The display 10 can include one or more display zones and can display one or more products. Referring to FIG. 1, the display 10 can show various products, goods or services that can be purchased or obtained by using the display. For example, display 10 may include financial product 111 (eg, $ 50, $ 100, or $ 250 Visa card), talk time or mobile phone product 112 (eg, 60 minutes, 120 minutes, or 180 minutes prepaid talk time). , Digital media 113 (eg, iTunes prepaid card, single music download, movie download purchase or rental), or other items 114 (eg, online or local game tokens, laundry cards or laundry values, e- Downloadable books for readers, etc.). It is contemplated that any commodity (either digital, electronic, or physical) can be purchased through the system and method of the present invention and identified by an indicium.

  Further, indicia can be associated with a certain amount of value, and the present invention can be used to transmit money between users. An indicia of value, for example an indicia representing 50 euros, can be selected by the initiating party. The initiating party can pay 50 euros in dollars and then send an indicia of its value to the receiving party. The receiving party can use the sent indicia to obtain the value, ie 50 euros.

  Similarly, indicia can be distributed within a group of users, and each user can add value to the indicia. For example, the initiating party can select an indicium associated with the variable face amount Visa prepaid debit card. The initiating party can select and provide a payment to add $ 50 to the associated Visa prepaid debit card. The initiating party can then distribute or give the indicia to others, who can contribute to the Visa prepaid debit card through the use of the indicia. When finished, the indicium can be sent to the receiving party who can receive the cumulative gift.

  Each of the items 111, 112, 113, 114 displayed in the display 10 can be associated with an indicium. Indicia may be made available through the use of a display, as discussed in more detail below with reference to FIG.

  Display 10 may be provided by a third party, which may be shown on display 120. The third party may be an intermediary between the starting retailer, the providing retailer, and / or the goods or services provider. Third parties can establish and manage the systems and methods of the present invention.

  With reference to FIG. 2, the display 20 may also comprise one or more display zones. For example, the display may be divided into two zones, where one zone 210 displays various promotions and discounts 211 and a second zone 220 corresponding to which promotions or discounts are adapted. The products 212 and 213 are displayed. Alternatively, one display zone can provide video such as a commercial or other such advertisement, and the second display zone displays the product being advertised and the corresponding indicia.

  Alternatively, various display zones can be used to display related, complementary, or related products. For example, if the display is a touch screen, the user may be able to select a particular product from a digital catalog separated by category, for example. After the user selects a product or category, other related, complementary, or related products may be displayed. In such an embodiment, for example, the user can select a product corresponding to a movie or theater ticket and a product for a restaurant near that theater may be displayed.

  In some embodiments, comparable products or services may be displayed to the customer along with or instead of the selected products or services. For example, a customer may be looking at various gift cards for a restaurant. The customer may have selected an Italian restaurant. The display can show comparable products that the starting retailer can offer current discounts or promotions for, ie other Italian restaurants or similar restaurants.

  The display can be any type of device that can communicate indicia related to a desired or selected product or service to a user or customer. The indicium may be communicated by reading the mobile phone or by obtaining the indicium from the display in another way, for example by reading a machine code. Referring to FIG. 3, indicia may be listed and displayed as a code (eg, bar code 311, aztec code 312, QR code® 319, or picture code 319), or entered by a user on a mobile device Can be an alphabetic code 315, a numeric code 314, or an alphanumeric code 316. The indicium can also be transmitted wirelessly to the user device, eg via use RFID or BlueTooth technology, which can be prompted by “tapping” a particular portion 313 of the display. Alternatively, the user can connect the user device directly to the display, for example by using a USB cable or a mini-USB cable 317.

  The overall transaction will now be discussed with reference to FIG. The starting retailer 410 can include a display, which can include various indicia for various goods or services. The initiating party 420 can select and save one or more indicia on the device 421. At this point, the initiating party can proceed to retailer checkout point of sale (POS) and pay for the goods or services associated with the indicium. Here, the starting party is also the paying party. After being paid, the goods or services can be provided to the initiating party either physically or electronically. Here, the initiating party is also the paying party and the receiving party.

  Alternatively, the initiating party 420 can provide indicia to different parties that can pay for goods or services using the indicia, i.e., paying parties. The paying party 430 pays for goods or services at the starting retailer 410, the digital presence of the starting retailer 410, a different retailer, a digital presence of a different retailer, or a third party (eg, the party managing the program). The device 431 can be used. Referring to FIG. 4, in this exemplary embodiment, paying party 430 may utilize different retailer 440 websites to purchase goods or services using indicia. Different retailers are the retailers that offer. Note that the starting retailer and the providing retailer may be the same.

  The providing retailer 440 can then provide the purchased goods or services to the desired party. A party that receives the purchased goods or services, ie, a receiving party 450 that can receive goods or services on or associated with another device 451. Note that the receiving party may be the initiating party or the paying party, but this need not be the case.

  With reference to FIG. 5, various ways of updating the display 511 of the retail store 510 will be briefly discussed. Display 511 may be in selective communication with a local database 512 of various promotions or items. Display 511 may be in selective communication with input 513 that may receive a memory card, thumb drive, DVD, or any other download of updated information local to retailer 510. . Alternatively, the display 511 may be selectively in wireless communication 514 with another party 520 that can update the display remotely using its own wireless communication 521. Display 511 may be selectively in wired communication with third party 520, eg, via a network connection (eg, Internet, host-to-host connection, direct line, etc.). It is also contemplated that multiple parties may be able to update information on display 511. For example, a provider can purchase display times and use such times to display various goods, services, promotions, and the like. Thus, the provider can directly update and / or change its contribution to the display.

  With reference to FIG. 6, the potential flow 60 of indicia and purchased products or services according to some embodiments of the present invention will now be discussed. The initiating party 610 can use the device 611 to capture the indicia 670 from the initiating retailer 640. Indicia 670 may comprise information such as information identifying a product or service, pricing information for success or service, information identifying a starting retailer 640, and the like.

  The initiating party 610 can communicate to the paying party 620 (or paying party's device 621). Note that the indicia 671 communicated from the initiating party 610 to the paying party 620 can be changed from the original indicia 670 captured at the initiating retailer 640. For example, the modified indicium may include information identifying the initiating party, various customer loyalty membership information of the initiating party, and the like. The paying party 620 can use the indicia 672 to purchase goods or services. The goods or services may be purchased from the providing party, ie another retailer that is the starting retailer 640, the third party 650, or the providing retailer 660. The indicia 672 provided to the providing party from the paying party 620 may further be changed from the indicia 670 or 671. Indicia 672 may comprise information identifying paying party 620, various memberships of paying party 620, or information identifying or associated with a party that receives or receives goods or services.

  The providing party may provide the goods or services to the receiving party 630 or the receiving party's device 631. Again, it should be noted that the initiating party 610, the paying party 620, and the receiving party 630 may be the same or different parties or users.

  With reference to FIG. 7, an exemplary commission schedule 70 based on various purchase arrangements will now be discussed. For example, since the starting retailer began selling by providing the first indicia to customer 71 (regardless of where the last sale was made), the starting retailer is X (eg, purchased Qualify for 72 commissions (1-2% of product value). The providing retailer assumes that the providing retailer is participating in the program 73, and the Y fee 74 for completing the sale (eg, 2 to 2.5% of the value of the purchased product) ) Can be received. If the providing retailer is not a program participant, or if the goods or services are provided by a neutral third party (eg, the third party managing the program) 75, the starting retailer may A commission (e.g., 0.5% of the value of the purchased product) may be entitled 76.

  Thus, if the starting retailer is a providing retailer, the retailer may be entitled to a commission of 3 to 4.5% of the purchase price of the product or service. The starting retailer is rewarded for the successful advertising, display and sale of the product or service. The providing retailer is rewarded for actually closing the transaction.

  By utilizing an application that may be provided by the initiating party or any other party that selects one of the indicia on the device after saving one or more indicia on the device and is provided by a retailer or a third party that manages the program It should be understood that related products or services can be purchased. Therefore, a purchase using an application provided by a program manager or any other neutral third party should not adversely affect the starting retailer's fees, but should add a small amount Not paid to the parties).

  Such an intermediary application can communicate with a merchant display that begins to obtain various indicia and can act as a basket to hold various indicia that have not yet been purchased. The intermediary application can also be in selective communication with a funding source (eg, a mobile wallet or financial account) to provide a simple payment for the indicium selected for purchase. In addition, the mediation application can include user information that can affect the availability or pricing of various goods or services. For example, a customer may have a variety of customer loyalty programs, membership programs that may affect pricing (eg, AAA), membership programs that may affect success or service availability (eg, DirectBuy or Clubs) Such an intermediary application) can be used to record any other identifying characteristics that may affect the availability or pricing of the product or service. The indicia displayed on the display may be specifically configured for use with such intermediary applications in an attempt to provide a quick, efficient and seamless purchase transaction.

  With reference to FIGS. 8A-D, systems and methods that utilize transferable indicia according to some embodiments of the present invention will now be discussed. Referring to FIG. 8A, it is contemplated that the initiating party 810 can capture, read, or otherwise obtain one or more indicia 820 of stored value. The initiating party 810 can communicate the indicia 820 to the second party 830. Note that the initiating party 810 may be the second party 830 and / or the second party 830 may be the paying party and / or the receiving party. Second party 830 can purchase indicia 820, pass indicia 820 to another party, or receive indicia 820 after / if purchased.

  Referring to FIG. 8B, the initiating party 810 can communicate the indicia 820 to a plurality of parties 830, 831, 832. In this embodiment, one or more of the parties 830, 831, 832 may be the paying party or the receiving party. For example, the initiating party 810 may wish to either receive an indicia or send indicia to various potential gift providers. According to some embodiments, the initiating party 810 may want each of the parties 830, 831, 832 to obtain and receive the indicia, for example when showing a priced textbook with the indicia lowered. There is.

  Referring to FIG. 8C, the initiating party 810 can communicate indicia 820, 821, 822, 823 to the second party 830. The second party 830 can select one or more of purchasing, receiving, or transferring to another party. Similarly, FIG. 8D shows that the initiating party 810 can communicate multiple indicia 820, 821, 822, 823 to multiple parties 830, 831, 832. For example, a teacher can pass multiple indicia with reading lists to various students.

  FIGS. 9A and 9B show that in accordance with some embodiments of the present invention, an indicium can identify a category or subset of goods or services and between various users to more specifically identify a particular goods or services. Indicates that it can evolve during the transfer. Referring to FIG. 9A, the initiating party 910 can identify a general product that the initiating party 910 wants to receive or send to the receiving party. For example, the initiating party 910 can identify a prepaid product line that corresponds to a value that can be used within a game. The initiating party 910 can send this type of stored value card indicia 920A to the second party 930. In this example, the second party 930 can be the paying party, but it is anticipated that the second party 930 may pass the indicia 920A further downstream or may be the receiving party. Note that this is done.

  The second party 930 can then determine what amount or value level to purchase. For example, the initiating party 910 may have transferred indicia relating to tokens used in the game. The second party 930 may determine that as a paying party, he or she wishes to purchase a token used in a game worth $ 10 ($ 10.00). Second party 930 can send indicia 920A, ie, an identification 950 of the amount of value to purchase, and value 960 to central processor 940 that can activate the indicia for use. The central processor 940 can then send the activated indicia (having a particular value) back to the second party 930 or the identified receiving party. Referring to FIG. 9A, the receiving party can also be the initiating party 910 and either the central processor 940 or the second party 930 initiates a specific indicia 920B activated for use or further distribution. Can be passed to party 910.

  With reference to FIG. 9B, indicia can identify a category or subset of goods or services and, among various users to more specifically identify a particular goods or services, according to some embodiments of the present invention. We now discuss another system and method that can evolve during the transfer of

  In FIG. 9B, the initiating user 910 can identify a category of goods or services and send indicia for that category of goods or services to one or more second parties 930. For example, as shown in FIG. 9B, the starting user 910 can send an indicia 920A corresponding to a particular band, eg, the Beatles. The second party 930 can receive the indicia 920A and can select a particular product or service from the category sent. The second party 930 can then send the indicia 920 A, the selection identification 950 (eg, the song “Yellow Submarine”), and the value 960 to the central processor 940. The central processor 940 can activate the indicia for redemption or can be used with a particular product or service selected by the second party 930. The central processor 940 can communicate the activated specific indicia 920B back to the second party 930 or can communicate the activated specific indicia 920B to the identified receiving party. . It should be noted that although FIG. 9B shows a party 910 starting as a receiving party, there may be additional or alternative receiving parties.

  Referring to FIG. 10, in accordance with some embodiments of the present invention, the initiating party 1010 can be an organization, union, partnership, or some other type of group or entity. For example, the initiating party 1010 can be a union of like-minded members, such as a university or college alumni organization, for example. The initiating party 1010 may be able to provide a member of a product or service to the member at a reduced fee, depending on the situation. For example, alumni organizations can offer a variety of branded items (such as school sweatshirts and others) as well as publications written or executed by other alumni at a lower price than those publicly available. The initiating party 1010 can communicate one or more indicia 1021, 1022, 1023, 1024 to one or more members 1031, 1032, 1033, 1034, 1035. Some members may choose to purchase or otherwise obtain one or more goods or services identified by indicia 1021, 1022, 1023, 1024, such indicia 1021, 1022 1023, 1024 can be selected and its indicia as well as value 1050 can be passed to the central processor 1040 for purchase.

  The initiating party 1010 can purchase each of the goods or services identified by indicia 1021, 1022, 1023, 1024 for members 1031, 1032, 1033, 1034, 1035, and the member can Note that it is also contemplated that only the indicia need be communicated to processor 1040.

  The central processor 1040 can then provide (or initiate) the purchased goods or services to the receiving member (as shown in FIG. 10, the member 1032 is identified by indicia 12345XYZ). Member 1034 can receive the goods or services identified by indicia 54321ABC).

  Note that it is contemplated that the central processor may require identification of the receiving party as a member of the union of the initiating party 1010 in order to provide such a reduced price offer to the member. I want to be. For example, as shown in FIG. 10, member 1034 may send indicia 1023 of the selected goods or services and the identifying characteristics of member 1060 to central processor 1040. Thereafter, the central processor 1040 (a) the particular goods or services identified by the received indicium and (b) the amount of value received is the particular goods or services identified by the received indicia. Determine whether it is appropriate and (c) whether the requesting party is eligible based on the characteristics identified for the price or selection associated with the particular goods or services identified by the received indicium can do.

  Referring to FIG. 11, the system and method for utilizing transferable indicia according to the present invention may be utilized in business-to-business applications. For example, a first company 1110 can provide a selection 1120 of goods or services to a second company 1130. The selection of goods or services 1120 can comprise one or more indicia 1121, 1122, 1123, 1124 that identify or are associated with a particular goods or services. Thereafter, the second company 1130 can select one or more indicia from a selection 1120 of goods or services, and select such indicia indicia for its employees and / or customers 1131, 1132, 1133, 1134, 1135. Employees and / or customers 1131, 1132, 1133, 1134, 1135 can select one or more of the indicia for redemption. Employees and / or customers 1131, 1132, 1133, 1134, 1135 can send indicia back to the second company 1130 at 1140 for redemption (the second company 1130 can receive from the employees and / or customers The received indicia can be aggregated and the aggregate can be sent to a first company or central processor 1160), and the indicia can be sent to the first company 1110 at 1150 for exchange (the first company The indicia can be sent to the central processor 1160), or the indicia can be sent directly to the central processor 1160. The activated indicia or goods and services associated with the indicia may be provided to employees and / or customers from the first company 1110, the second company 1130, or the central processor 1160.

  The systems and methods according to some embodiments of the present invention provide for the payment or value of a particular product or service to be communicated or related to a specifically identified party. Can also be used.

  For example, a product or service may be identified as particularly desirable for provision to a receiving party. Certain goods or services, such as health food, warm clothing, tutoring, and certain extracurricular activities, may be identified as desirable for children. Such grouping may be accomplished by a government entity or agency, a specific interest group, or any other interested party. Specific goods and services groupings may be distributed among various parties. Examples of this include parents paying for childcare support, families of children who have fallen or otherwise identified, or various charities and groups related to external support (for example, electronic versions of gift exchanges run by charity during the holiday season) ) Distribution of such indicia to.

  Specifically, the interested party 1210 identifies a group 1220 of one or more indicia 1221, 1222, 1223, 1224 that has been determined to be important, necessary, or desirable to the receiving party. can do. The group of indicia 1220 may be communicated to one or more parties 1231, 1232, 1233, 1234, 1235. In this respect, various processes can occur. For example, party 1231 can identify indicia 1221 as what party 1231 wants to obtain either for itself or for receiving party 1237. The party 1231 can then send indicia 1221 and payment 1250 to the central processor 1240. The central processor 1240 may then determine the goods or services identified by the indicia 1221 and provide or begin providing goods or services to either the party 1237 back to or receiving the party 1231.

  In some situations, the party receiving the group of indicia may not have funds available to purchase the identified goods or services, but may still be eligible for the goods or services. For example, user 1233 may identify indicia 1223 as desired, and only indicia 1223 may be sent to central processor 1240. The central processor 1240 can then return to the party 1233 to provide or start providing goods or services. For example, certain additional goods or services may be provided free of charge if the party 1233 is receiving government support (food discount coupon, TANIF, etc.).

  According to some embodiments, the user 1235 can receive a group of indicia 1220 and determine from the group 1220 that two identified goods or services are desirable. Indicia 1222, 1224 associated with these goods or services may be communicated to another party 1238 for purchase. The party 1238 can select one of the sent indicia 1224 and can communicate the indicia 1224 and payment 1250 to the central processor 1240. The central processor can then return to the user 1235 or provide or start providing the goods or group to the identified recipient 1236. For example, a state agency can determine what qualifies as a “necessary item” for a child, and a parent with a custody has a parent that does not have custody corresponding to personally applicable essentials (ie, , Paying child support for the parental parent's child or otherwise providing financial support). A non-custodial parent then determines whether he or she wants (or may be obligated to a certain extent) to purchase a particular product or service (eg, textbook or daily necessities) Indicia and payments can be sent to the central processor 1240. The central processor 1240 can then provide or begin providing the goods or services to the party 1235 or the receiving party (here, for example, a child) 1236.

  According to some embodiments of the present invention, the initiating party 1310 may purchase or otherwise obtain a plurality of indicia 1321, 1322, 1323, 1324. Here, the initiating party 1310 can also be a paying party. The initiating party 1310 can then distribute the active indicia 1321, 1322, 1323, 1324 to the various receiving parties 1331, 1332, 1333. Receiving party 1331 can receive indicia 1321, receiving party 1332 can receive indicia 1322 and 1323, and receiving party 1333 can receive indicia 1324. Indicia 1321, 1322, 1323, 1324 may be paid and active, but not yet redeemed. Thus, each of the receiving parties 1331, 1332, 1333 can redeem their received indicia at the central processor 1340.

  For example, at a holiday event, the initiating party can purchase multiple indicia and distribute the indicia to receiving parties that the initiating party deems appropriate. Another example may be the purchase of a “digital Christmas gift” that the initiating party distributes between various gift recipients.

  With reference to FIGS. 14A and 14B, systems and methods according to some embodiments of the present invention directed to group gifts will now be discussed. Group gifts can generally be considered to occur in at least three environments: a serial environment, a parallel environment, and / or a combination of series and parallel.

  The initiating party 1410 can select indicia corresponding to the goods or services. For ease of discussion, the indicium can correspond to a prepaid debit card or a prepaid gift card. It should be noted, however, that group gifts can also provide different products or product features that can be purchased or unlocked at various unified retail prices. The initiating party 1410 can select an indicium and add a value 1430 to the indicium. For example, the initiating party 1410 can add $ 50.00 to the indicium. Thereafter, the indicia 1420 (with a value of $ 50.00) may be communicated to the second party 1411. The second party 1411 can add $ 20.00 to the indicia, now indicia 1421, and communicate the indicia 1421 to the third party 1412. The third party 141 can add $ 100.00 to the indicium. This process can continue through any number of parties. When the last party has added value (the party is last when the pool of participating parties is exhausted, when the time limit is reached, or when there are no more parties interested in contributing to the gift A final indicia 1422 with a combined value of $ 170.00 may be provided to the receiving party 1440.

  The parallel contribution scheme will be discussed with reference to FIG. 14B. In FIG. 14B, initiating user 1410 selects indicia 1420 as a gift for receiving party 1440. The initiating user 1410 then distributes the indicia 1420 to one or more parties 1411, 1412, 1413. Each of the one or more parties 1411, 1412, 1413 can add value to the indicia by communicating the indicium 1420 and the amount of value to the central processor. For example, party 1411 can evaluate 1430 a value of $ 50.00, party 1412 can communicate a value 1431 of $ 20.00, and party 1413 can receive a value 1432 of $ 100.00. Can communicate. Central processor 1450 may aggregate the values and provide indicia 1425 associated with the combined gift value (here $ 170.00). The central processor 1450 can provide the indicia to the receiving party 1440, or the central processor 1450 can provide the final funded indicia back to the starting party 1410 for communication to the receiving party 1440. can do.

  In general, the present invention provides indicia that are the lifecycle of transferable indicia. The indicia may identify certain goods or services, or groups or sets of goods or services. Indicia may be changed to further identify certain values of goods or services, such as a particular song or gift card of a particular band. The indicium can include an identification of the initiating party, the receiving party, or the paying party to provide a specific offer to the group of users. The indicia can include information that identifies the starting merchant, if any, or an advertisement that guides the initiating party to capture or otherwise record the indicium.

  Indicia can be transferred between multiple parties in these various states. Indicia can evolve during such transactions to provide the necessary or desirable information for a particular transaction.

  Various other attributes and / or characteristics may be part of the system and method of the present invention. For example, attributes such as “Daily Sale” or other such names may be utilized. With such attributes, the customer who downloads the indicium can receive a notification or message that informs the customer about the related promotions that are relevant as part of the “Daily Sale”. For example, if a customer downloads a restaurant indicia (eg, an Outback gift card indicia), a theater indicia (eg, an AMC movie) in view of or based on the desired restaurant purchase. Can be provided.

  According to some embodiments of the present invention, the applications or programs discussed above may be in selective communication with the retailer display when the user is at or near the retailer store. (Rather than requiring the user to be next to or very close to the display). The application or program can then display either all or most of the virtual products available from that retailer.

  According to some embodiments of the present invention, the application or program discussed above can track a user's location, for example, within a retailer store. In this manner, a detailed offer or “daily sale” may be provided to the user based on the user's location within the location. For example, if the user is at a part of a store where DVDs are sold, the user may receive a promotion or “daily sale” that targets a reduced price for a particular movie or theater ticket, for example. . Another example may be offering a discount to a user for complementary items. For example, the user may be at a part of a store where the computer is purchased, and the user may receive an online archive service or online backup service promotion or “daily sale”.

  Different retailers and providers can intentionally lower potential fees to become retailers that sell and offer. For example, an initiating retailer may advertise that the price will be 1.5% less than normal if the purchase is made from the initiating retailer. The starting retailer may be able to lower the sales commission by 1.5% when becoming a retailer that sells and offers, thereby creating many origins to drive sales You can collect commissions and reduced sales commissions.

  Various other aspects of the invention may also be utilized. For example, when the indicium is obtained by a user device, in the case of a digital goods or services, the goods or services may actually be placed on the device in a locked or inactive state. After being purchased either at the retailer in-lane or subsequently through the use of an application or other connection, the digital goods or services can be unlocked. This can provide at least two benefits.

  First, the loading of digital goods or digital services may require a significant amount of data to be transmitted, but using a network connection sponsored by a potentially free retailer. Can be achieved at retailers. Thus, the user does not have to worry about excessive data charges for such transfers. When the purchase is complete, minimal data may need to be transferred to the receiving party from the providing retailer to unlock or authorize use of the digital goods or services. For example, an encryption key or other such password or authorization code may be sent from the providing party.

  Second, the user can select various digital goods or services, load them into the device, and then select and pay only for the goods or services that are actually used. For example, prior to a trip, the user can select three or four digital movies, indicia, and files that can be placed on the user device. The user can then select and pay only for movies that he or she really wants to watch or has time to watch.

  In addition, due to the transferability of indicia (discussed above), the initiating party (eg, child) may send various indicia to another party (eg, parent) that the first party wants access. Can do. The second party or parent can then select the goods or services that he or she likes and pay for such goods or services, which are then sent or provided to the initiating party or children. Can be done. Such an embodiment has restrictions on how it can be used (eg, with respect to food groceries rather than alcohol or cigarettes) to provide value to receiving parties, filter cards or restricted spend cards )).

  In accordance with some embodiments of the present invention, a system and method for providing a transferable indicia commission commissioning system will now be discussed. In general, commission commissioning systems can utilize various inputs to calculate or determine commission maturities for merchants. A merchant can potentially have a merchant to start or provide. In addition, promotions provided by or otherwise guaranteed by goods or service providers can affect commission commissioning.

  To understand the variables that can be weighted by the commission delegation system, it may be useful to first understand the identity and role (s) of the parties. The starting merchant is the merchant that initially provides the indicia to the user. The user can transfer the indicia to various other parties, but since the starting merchant has initiated a process that can result in sales, the starting merchant can receive a fee for this contribution.

  The providing merchant is a merchant that activates indicia for use or provides goods or services (eg, in the case of physical goods). If the goods or services are digital, they can also be the goods or services provider. For example, an initiating merchant can provide an $ 50.00 iTunes gift card indicia. The providing merchant can actually “sell” the gift card, thereby activating the indicia already obtained. It should be noted that, according to some embodiments of the present invention, the initiating vendor and the providing vendor may be the same vendor.

  The provider (here iTunes or Apple) can provide goods or services related to the indicium. In the physical merchandise embodiment, the starting merchant can provide indicia associated with a particular DVD or Blu-Ray Disc. Providers can use indicia to physically sell DVDs or Blu-Ray Discs. Such physical sales can occur within a physical physical store, or can occur online, where an indicium is entered, a DVD is purchased, and then To be shipped. The provider of the goods or services can be the provider, but in the case of activation of indicia that can be redeemed for value, digital goods, etc., the provider of the goods or services is the provider Note that it can be another separate party.

  Various other attributes can also affect a party's commission commission decision. Factors include the price at which the goods or services are sold, all promotions provided by the initiating vendor, all promotions provided by the providing vendor, provided by the provider of the goods or services or the manufacturer of the goods or services All promotions that are made, all promotions that can be made applicable to the user due to the user's characteristics, the length of time between the initial capture of the indicium and the purchase decision, offers with the starter The competitive relationship with the contractor, the control of any party's contract document with the commission commissioning system, the number of transfers between different users through which the indicium has moved, the characteristics of the goods or services selected for purchase (For example, the total price of a purchase), interactions between any other parties or entities (for example, food vouchers) Goods or services purchased using may have reduced merchant fees), indicia, users, merchants, providers, manufacturers, and / or any of the other related parties or entities Other characteristics can be included, but are not limited thereto.

  As noted above, the indicia may comprise information that can be used by a central processor (which may include a commission delegation engine or otherwise so called). With reference to FIG. 15, an indicium 1500 according to some embodiments of the present invention will now be discussed. Indicia 1500 may comprise a variety of information that can be used by the central processor in determining if there is a fee and how much it is due to the merchant providing and / or starting the merchant. Indicium 1500 is a portion 1501 that provides identification of the goods or services being purchased, a portion 1502 that provides identification of the starting merchant, and a portion that provides identification of any available promotions that may have been presented by the starting merchant. 1503, a portion 1504 that provides the identity of the providing merchant, a portion 1505 that provides identification of any applicable promotions that may have been presented by the providing merchant, and / or a portion 1506 that provides other information. Can be provided. Other information includes the date and / or time of capture of the authentication or purchase transaction, promotions provided by the manufacturer of the goods or services in question, information about the initiating or obtaining user (particular group membership, Loyalty membership, etc.).

  With reference to FIG. 16, a method according to some embodiments of the present invention will now be discussed. In step 1610, the initiating user can select and capture indicia at the initiating merchant. As noted above, the initiating user can capture or otherwise obtain an indicium, for example, from a display.

  In step 1620, the initiating user can transfer the indicia to a different user who can become the obtaining user. In step 1630, the obtaining user can present indicia for activation and / or purchase at the provider. At step 1640, the providing merchant can send indicia and / or other information to the central processor.

  At step 1650, the central processor may identify the goods and services associated with the indicium and the final purchase price of the goods or services associated with the indicium.

  At step 1660, the central processor may determine the fee, if any, for each of the providing and starting merchants. The determination at step 1660 can utilize various information provided by or accessed from the data store. Such information may include, but is not limited to, information regarding merchant identity, promotions, competitive landscape, users, duration, manufacturer promotions, and the like.

  If there is a fee, after determining the fee, the central processor may send the fee amount to the starting merchant in step 1680 and send the fee amount to the providing merchant in step 1690. The clearing and / or activation of the actual purchase may occur afterwards, and the actual value transfer of the value representing the fee may be executed immediately, thereafter or periodically. it can.

  With reference to FIG. 17, a system according to some embodiments of the present invention will now be discussed. System 1700 can include a providing merchant 1710, a starting merchant 1711, and potentially a manufacturer of goods or services 1712.

  System 1700 can also include a central processor or commission commissioning engine 1720. The central processor or commission commissioning engine 1720 may comprise a merchant interface 1721 in selective communication with the providing merchant 1710, the starting merchant 1711 and potentially the manufacturer 1712.

  Central processor 1720 may further comprise a data store 1722 and a fee calculation module 1723. The data store 1722 may comprise information that can be taken into account by the fee calculation module 1723 when determining the fee amount.

  Data store 1722 may comprise information regarding merchants, promotions, competitive landscapes, users, durations, and / or any other information that may be relevant in calculating fees.

It should be understood that the specific embodiments of the invention shown and described herein are exemplary only. Those skilled in the art will envision many variations, modifications, substitutions, and equivalents that do not depart from the spirit and scope of the present invention. Accordingly, all subject matter described in the specification and illustrated in the accompanying drawings is considered to be illustrative rather than limiting and the scope of the invention determined solely by the appended claims. It is intended to be
The invention described in the scope of claims at the time of the present application will be added below.
[Appendix 1]
A method for determining a fee amount in a multi-party transaction relating to a purchase of goods or services by an obtaining user, wherein the goods or services are related to an indicium, wherein the multi-party transaction is at least between a starting merchant and a providing merchant. The provider is in selective communication with a central processor, and the method comprises:
From the supplier, by the central processor,
The indicium associated with the goods or services related to the purchase;
The purchase price of the goods or services and
Receiving and
Determining the goods or services associated with the indicia by the central processor;
Determining by the central processor a factor associated with the multi-party transaction, the factor comprising:
The purchase price of the goods or services;
The identity of the provider and the provider characteristics associated with the provider;
The identity of the initiating agent and the initiating agent characteristics associated with the initiating agent;
Including
Based at least in part on the factors,
If there is a fee for the provider to provide, the fee,
If there is a commission for the starter, the commission and
And calculating
A method comprising:
[Appendix 2] The factor is
Any applicable promotions offered by the starter
The method of claim 1, further comprising:
[Appendix 3] The method of claim 2, wherein the applicable promotion provided by the initiating merchant is that provided by the initiating merchant when the indicium is captured by the initiating user.
[Appendix 4] The appendix of claim 2, wherein the applicable promotion provided by the initiating merchant is currently provided by starting when the goods or services are purchased from the providing merchant. Method.
[Appendix 5] The factor is
Any applicable sales promotion by the provider
The method according to claim 1, further comprising:
[Appendix 6] The factor is
User characteristics to obtain
The method according to claim 1, further comprising:
[Appendix 7] The characteristics of the user to obtain include obtaining a user's membership to a particular club, obtaining a user's membership to a particular loyalty program, and a user's membership to a particular class. The method of claim 6 wherein the membership can be selected from the group consisting of obtaining the membership, and the obtaining user does not initially capture the indicia at the initiating merchant.
[Supplementary Note 8] The method according to Supplementary Note 1, wherein the indicia is acquired from the starter by the starting party.
[Appendix 9] The factor is
Characteristics of the starting user
The method according to claim 1, further comprising:
[Appendix 10] The characteristics of the starting user include obtaining a user's membership to a particular club, obtaining a user's membership to a particular loyalty program, and membership of the user to a particular class. A method according to appendix 9, wherein a user can select from the group consisting of obtaining a ship and the obtaining user does not initially capture the indicia at the initiating merchant.
[Appendix 11] The factor is
Any applicable promotions offered by the manufacturer of the goods or services
The method according to claim 1, further comprising:
[Supplementary Note 12] The factor is
Characteristics of purchase transactions
The method according to claim 1, further comprising:
[Appendix 13] The appendix 12, wherein the characteristic of the purchase transaction can be selected from the group consisting of the location of the purchase transaction, the type of purchase transaction, and the value communicated to pay for the purchase transaction. the method of.
[Supplementary Note 14] The method according to Supplementary Note 8, wherein the indicium is transferred from the initiating user to the obtaining user.
[Supplementary note 15] The method according to Supplementary note 14, wherein the indicium is transferred by the one or more intermediary users from the initiating user to the obtaining user.
[Supplementary note 16] The method according to Supplementary note 15, wherein the factor further comprises the number of transfers that the indicium has moved between the initiating user and the obtaining user.
[Supplementary note 17] The method of Supplementary note 1, wherein the factor further comprises a length of time elapsed between the capture of the indicia by the initiating user and the purchase of the goods or services by the obtaining party. .
[Appendix 18] In Appendix 1, the providing merchant characteristic may comprise a merchant competition perspective provided by the providing merchant, wherein the offered vendor competition perspective indicates a direct competitor of the providing merchant. The method described.
The method of claim 1, wherein the starting merchant characteristic can comprise a starting merchant competition outlook for the initiating merchant, wherein the starting merchant competition outlook indicates a direct competitor of the initiating merchant.
[Supplementary Note 20] A method for determining a fee amount in a multi-party transaction for purchase of goods or services by a user obtained by a provider, wherein the goods or services are acquired from a dealer started by a user who starts the goods In connection with indicia transferred to a user, the multi-party transaction is at least a transaction between a provider that selectively communicates with a central processor, the method comprising:
Receiving the indicia and the purchase price of the transaction by the central processor from the provider,
Determining by the central processor a factor associated with the multi-party transaction, the factor comprising:
The purchase price of the goods or services, the identity of the providing vendor, any applicable promotions provided by the providing vendor, the identity of the starting vendor, and the optional provided by the starting vendor Applicable promotions, any applicable promotions provided by the manufacturer of the goods or services, the characteristics of the initiating user, the characteristics of the obtaining user, the location of the purchase transaction, The type of purchase transaction, the value communicated to pay for the purchase transaction, and the length of time elapsed between the ingestion of the indicia by the initiating user and the purchase of the goods or services by the obtaining user And the prospect of competition between the starter and the provider
Selected from the group consisting of
Based at least in part on the factors
If there is a fee of the provider to provide, the fee,
If there is a commission for the starter,
And calculating
A method comprising:
[Supplementary Note 21] A system for determining a fee amount in a multi-party transaction related to purchase of goods or services by a user obtained by a provider, wherein the goods or services are acquired from a dealer started by a user who starts the goods In connection with the indicia transferred to the user, the system
A commission commissioning engine,
At least a merchant interface configured for selective communication with the providing merchant;
A data store,
Information identifying the merchant and identifying characteristics relating to the merchant;
Information identifying the competitor's competitive landscape;
Information related to promotions provided by the provider or the starting supplier;
A data store comprising:
A fee calculation module, configured to calculate if there is a fee maturity of the providing merchant and to calculate this if there is a fee maturity of the initiating vendor, the calculation comprising the purchase of the transaction Based on price, information received in the indicia available in the indicium, and / or information from the data store,
With commission commissioning engine
A system comprising:
[Supplementary note 22] The system of supplementary note 21, wherein the merchant interface is configured for selective communication with the initiating merchant.
[Supplementary note 23] The system according to supplementary note 21, wherein the data store further comprises information related to the manufacturer of the goods or services.
[Supplementary Note 24] The calculation of the fee calculation module is at least in part for the time elapsed between the ingestion of the indicia from the initiating merchant by the initiating user and the transaction at the providing merchant. The system of claim 21 based on length.

Claims (19)

A method for determining a fee amount in a multi-party transaction relating to the purchase of goods or services by an obtaining user, wherein the goods or services are related to a transferable electronic indicium, and the multi-party transaction is at least a starting merchant; A provider providing, the user obtaining the goods or services from the provider, and the user obtaining the goods or services using the transferable electronic indicia obtained from the starting merchant The provider is in selective communication with a central processor, and the method comprises:
Receiving an electronic communication by the central processor from the provider 's processor , wherein the electronic communication comprises:
The electronic indicium associated with the goods or services related to the purchase;
And a purchase price of the goods or services,
And said the goods or services associated with the electronic indicia, based at least in part on the electronic indicia, be determined by the central processor,
Determining by the central processor a factor associated with the multi-party transaction, the factor comprising:
The purchase price of the goods or services;
The identity of the provider and the provider characteristics associated with the provider;
The starting merchant identity and the starting merchant characteristics associated with the starting merchant, and
The identity of the starting merchant is determined based at least in part on the electronic indicium ;
And the commission amount of work who said providing,
And the commission amount of the start business person,
Calculating the method. The factor is
The method of claim 1, further comprising any applicable promotion provided by the initiating merchant. The method of claim 2, wherein the applicable promotion provided by the initiating merchant is provided by the initiating merchant when the electronic indicium is captured by the initiating user.   3. The method of claim 2, wherein the applicable promotion provided by the initiating merchant is currently provided by starting when the goods or services are purchased from the providing merchant. The factor is
The method of claim 1, further comprising any applicable promotions by the provider. The factor is
The method of claim 1, further comprising the obtaining user characteristics. The obtaining user characteristics include obtaining a user's membership to a particular club, obtaining a user's membership to a particular loyalty program, and obtaining a user's membership to a particular class. The method of claim 6, wherein the obtaining user does not initially capture the electronic indicium at the initiating merchant. The method of claim 1, wherein the electronic indicium is taken from the initiating merchant by the initiating party. The factor is
The method of claim 3 , further comprising the starting user characteristic. The starting user characteristics include obtaining a user's membership to a particular club, obtaining a user's membership to a particular loyalty program, and obtaining a user's membership to a particular class. The method of claim 9, wherein the obtaining user does not initially capture the electronic indicium at the initiating merchant. The factor is
The method of claim 1, further comprising any applicable promotions provided by a manufacturer of the goods or services. The factor is
The method of claim 1, further comprising purchase transaction characteristics.   The method of claim 12, wherein the characteristic of the purchase transaction can be selected from the group consisting of the location of the purchase transaction, the type of purchase transaction, and the value communicated to pay for the purchase transaction. 9. The method of claim 8, wherein the electronic indicium has been transferred from the initiating user to the obtaining user. 15. The method of claim 14, wherein the electronic indicium has been transferred by one or more intermediary users from the initiating user to the obtaining user. The method of claim 15, wherein the factor further comprises the number of transfers the electronic indicium has moved between the initiating user and the obtaining user. The method of claim 1, wherein the factor further comprises a length of time that elapses between capture of the electronic indicia by the initiating user and purchase of the goods or services by an obtaining party. The providing vendor characteristic may include a vendor competition view provided by the providing vendor , so that a relationship between the providing vendor and the starting vendor is considered , The method of claim 1, wherein the method represents a direct competitor of the supplier. The starting merchant characteristic may comprise a starting merchant competition outlook for the starting merchant so that a relationship between the providing merchant and the starting merchant is considered , wherein the starting merchant competition outlook is directly The method of claim 1, wherein the method indicates a competitor.

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