MX2014010619A - Transferable indicia and display with related commissioning system. - Google Patents

Abstract

Aspects of the invention may include methods and systems for determining commission amounts in a multiple party transaction for the purchase of goods or services by an obtaining user, the goods or services associated with an indicia, the multiple party transaction being amongst at least an originating merchant and a providing merchant, the providing merchant in selective communication with a central processor, the method including: receiving the indicia associated with the goods or services for purchase and a purchase price; determining the goods or services associated with the indicia; determining factors associated with the multiple party transaction comprising: the purchase price; the identity of the providing merchant and providing merchant characteristics; the identity of the originating merchant and originating merchant characteristics; calculating, based at least in part on the factors: a commission, if any, for the providing merchant; and a commission, if any, for the originating merchant.

Description

TRANSFERABLE INDICATOR AND DISPLAY WITH RELATED SYSTEM COMMISSION BACKGROUND OF THE INVENTION The prevalence of stored value cards associated with goods or services, which fluctuate from multi-use rechargeable debit cards (open circuit or closed circuit) and mobile wireless airtime to digital downloads, transit applications and even purchase of tangible goods, has increased greatly in the past several years. As usage has increased, the systems and methods of supply and use of these cards have evolved.

The stored value cards could generally be divided into two (2) categories: chip cards and account cards. On a chip card (for example, a "smart card"), a value account could actually reside on the card by itself. In contrast, with an account card, the card could be associated with a value account that could reside elsewhere, for example in a payment processor or in a database of a financial institution. In these situations, the stored value card could comprise a badge or indicia, such as although it is not limited to an account number, which could be used to conduct the transactions of Ref. 250573 card such as activation, amortization, recharge, etc.

However, the need or utility of the physical card itself (or any tangible means comprising the information required to access an underlying stored value account) could be greatly diminished as the use of digital devices increases. (such as, but not limited to, mobile phones and devices, tablets, laptop computers and other computers, electronic readers such as the Nook ™ and the Kindle ™).

As the need, utility or even the desire for physical cards decreases, the badge or clue associated with the underlying value account could become more important. Accordingly, a badge or indicia that is transferable while associated with a stored value account may be desirable.

SUMMARY OF THE INVENTION The aspects of the invention could comprise a method of determining the commission amounts in a multi-party transaction for the purchase of goods or services by means of a procurement user, the goods or services associated with a badge or indicia, the transaction Multi-party is found at least between a home trader and a supply trader, the supply trader is in communication selective with the central processor, the method comprises: receiving by means of the central processor of the supply merchant: the indication associated with the goods or services for the purchase; and a purchase price for the goods or services; determine by means of the central processor the goods or services associated with the clue; determine through the central processor the factors associated with the transaction of multiple parties, the factors include: the purchase price for the goods or services; the identity of the supply merchant and the supply merchant characteristics associated with the supply merchant; the identity of the originating merchant and the merchant characteristics of origin associated with the merchant of origin; calculate, based at least in part on the factors: a commission, if any, for the supply merchant; and a commission, if any, for the home trader.

Other aspects of the invention could comprise methods of determining the commission amounts in a multi-part transaction for the purchase of goods or services by means of a procurement user at a supply merchant, the goods or services associated with the captured indicia from a merchant of origin by a user of origin and transferred to the procurement user, the transaction of multiple parties is at less between a supply merchant in selective communication with the central processor, the method comprises: receiving via the central processor of the supply merchant the indicia and the purchase price for the transaction; determine through the central processor the factors associated with the multi-party transaction, the factors selected from the group consisting of: the purchase price for the goods or services, the identity of the supply merchant, any applicable promotions offered by the merchant supply, the originator's identity of origin, any applicable promotions offered by the merchant of origin, any applicable promotions offered by a manufacturer of the goods or services, the characteristics of the originating user, the characteristics of the obtaining user, the location of the purchase transaction, the type of purchase transaction, the transmitted value of the payment for the purchase transaction, the amount of time that elapsed between the capture of the badge or indication by the user of origin and the purchase of the goods or services by the obtaining user; a competitive landscape between the home trader and the supply trader; calculate, based at least in part on the factors: a commission, if any, for the supply merchant; and a commission, if any, to the home trader.

Some aspects of the present invention could comprise systems for determining the commission amounts in a multi-part transaction for the purchase of goods or services by means of a procurement user in a supply merchant, the goods or services associated with a distinctive or clue captured from an originating merchant by a user of origin and transferred to the obtaining user, the system comprises: a commissioning engine, comprising: a merchant interface, configured for selective communication at least with the merchant of supply; a data storage, comprising: the information that identifies the merchants and the characteristics related to these merchants; the information that identifies competitive scenarios for these merchants; the information associated with the promotions offered by the supply merchant or the merchant of origin; a commission calculation module, configured for a calculation of a due commission, if any, for the supply merchant and a due commission, if any, for the home trader, the calculation is based on the purchase price of the transaction , the information received in the clue, which can be obtained from the clue, and / or storage information of data .

These and other aspects will be apparent from the following description of the invention taken in conjunction with the following figures, although variations and modifications could be made without departing from the spirit and scope of the new concepts of the invention.

BRIEF DESCRIPTION OF THE FIGURES The present invention can be understood more fully by reading the following detailed description together with the accompanying figures, in which the same reference indicators are used to designate the same elements. The attached figures represent certain illustrative modalities and could help in the understanding of the following detailed description. Before any embodiment of the invention is explained in detail, it will be understood that the invention is not limited in its application to the details of construction and arrangements of components indicated in the following description or illustrated in the figures. The embodiments shown will be understood as exemplary and in no way limit the full scope of the invention. It will also be understood that the phraseology and terminology used herein are for the purpose of description and will not be considered as limiting. The detailed description will refer to the following figures, in which: Figure 1 illustrates an example screen according to some embodiments of the invention.

Figure 2 illustrates an example screen according to some embodiments of the invention.

Figure 3 illustrates an example screen with the example sign according to some embodiments of the invention.

Figure 4 illustrates a general transaction flow according to some embodiments of the invention.

Figure 5 illustrates various methods of communication or screen updating according to some embodiments of the invention.

Figure 6 illustrates a general transaction flow according to some embodiments of the invention.

Figure 7 illustrates a table indicating an example commission program according to some embodiments of the invention.

Figures 8A-8D illustrate systems and methods of transferring one or more indicia between one or more users, according to some embodiments of the present invention.

Figures 9A-9B illustrate systems and methods of transferring one or more indicia between one or more users, according to some embodiments of the present invention.

Figure 10 illustrates systems and methods of transferring one or more indicia between an organization and one or more users, according to some embodiments of the present invention.

Figure 11 illustrates systems and methods of transferring one or more indicia in a business-to-business environment, according to some embodiments of the present invention.

Figure 12 illustrates systems and methods of transferring one or more indicia identified by an interested party between one or more users, according to some embodiments of the present invention.

Figure 13 illustrates systems and methods of transferring one or more active indicia between one or more users, according to some embodiments of the present invention.

Figures 14A and 14B illustrate systems and methods of transferring one or more indicia between one or more users in a group gift environment, according to some embodiments of the present invention.

Figure 15 illustrates a clue that could be used, in accordance with some embodiments of the present invention, to determine a commission fee, if any, for several merchants.

Figure 16 illustrates a method according to some embodiments of the present invention for the determination of a commission fee, if any, for several merchants.

Figure 17 illustrates a system according to some embodiments of the present invention for the determination of a commission fee, if any, for several merchants.

DETAILED DESCRIPTION OF THE INVENTION Before any embodiment of the invention is explained in detail, it will be understood that the present invention is not limited in its application to the details of construction and arrangement of components indicated in the following description or illustrated in the Figures. The present invention is capable of other modalities and of being practiced or of being performed in various ways. It will also be understood that the phraseology and terminology used herein are for the purpose of description and will not be considered as limiting.

The matters exemplified in this description are provided to assist in the detailed understanding of various example embodiments described with reference to the appended figures. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the exemplary embodiments described herein may be made without departing from the spirit and scope of the claimed invention. Descriptions of well-known functions and constructions are omitted for clarity and conciseness. In addition, as it is used in the present, the singular term could be interpreted in the plural, and alternatively, any term in the plural could be interpreted to be in the singular.

This request is directed, in general, to systems, methods and means capable of being read by computer for advertising, tracking, processing, activation, authorization, and supply of goods or services to a customer, including the commission based on them. . More specifically, the present invention is directed to various aspects, systems, components, and methodologies related to at least one or more of: (i) visualize a customer several goods or services in a retail location; (ii) provide the client with an indication of the goods or services; (iii) it is permissible for the client or origin party to capture or store the indicia on a device, for example a mobile phone, tablet or computer; (iv) it is permissible for the originating party to maintain the clue in an intermediate state prior to the purchase on or in the device; (v) the clue is transferable so that, for example, (a) the originating party could be able to send the clue, or an identifier associated with the clue, to another party that could pay for the goods or services, the part of payment; (b) the originating party may be able to pay for the indicia and send the goods or services to another party, the receiving party; and / or (c) any other degree of transfer that could be evidenced by and between a party of origin, the payment party, and the receiving party, who each could be the same or different users. (vi) the clue can be used to buy and / or activate and / or authorize the goods or services; (vii) the clue could comprise several pieces of information, or it could be created by combining different pieces of information. The clue could evolve as it is transferred between the various parties and retailers, and could identify at any point or could be associated with one or more of (a) the specific goods or services (b) the retail seller of origin; (c) the origin party; (d) the purchase part; (e) the reception part; (f) the retail seller of supply; (g) prices related to specific goods or services; and / or (h) any type of promotions, rebates, customer loyalty membership, coupons or other programs or plans that could impact the prices of goods or services. (viii) in the case of electronic or digital goods or services, the goods or services could in fact be placed or downloaded to the device in the seller at retail of origin, although they could be blocked, with which use is avoided, until the goods or services are purchased. (ix) the goods or services could be purchased (a) from the retail seller of origin (for example, through a typical transaction in a row at a point of sale (POS)); (b) visiting the vendor's retail website or other online or electronic presence; (c) through an application (or "app") on the device, where the application could be associated or provided by the retail seller of origin, a third party, or even a retail seller of competition; (d) visiting the location of the third party or retail seller of competition and completing the purchase through a typical transaction in a row in a POS; (e) visiting a third party website or retail seller of competition or other online or electronic presence. (x) When goods or services are purchased, the retail seller of origin may receive commission payments, commission payments may vary depending on how and from whom the purchase transaction occurred. For example, if the badge or indicia is used to buy the goods or services at the retail seller of origin during a typical transaction in a row in a POS or through an application or online presence provided or managed by the retail seller of origin, the retail seller of origin could receive a full commission, for example 100X. If the clue is used to purchase the goods or services at a later time, for example through a third-party online application or presence, the home retailer could receive either a full ission (100X) or ission. slightly reduced (75X). If the clue is used to purchase the goods or services at a later time and through a etitive retail vendor, either in a row or through an application of the retail seller of etition or online presence, the retail seller of origin could receive a reduced ission, for example 50X, while the retail seller of etition, now the retail seller of supply, if he participates in the total program, could receive a ission of 50X. (xi) The commissions of retail sellers of origin and / or supply may vary depending on various promotions associated with the goods or services. For example, a home retailer may try to increase his chances of being the retail seller of supply by reducing the total price of the goods or services, thereby reducing his commission. For example, if a home retailer receives a 50X commission to initially convey the clue to the customer, Even if purchased from a retail competitor, the home retailer could reduce the price of the goods or services by 25X, potentially increasing their chances of making the sale and receiving a commission of 75X instead of 50X if it fails to make the sale.

In some embodiments of the present invention, the various indicia could be stored in a basket in the mobile device for later purchase. In these circumstances, it is anticipated that any party with the indication, the originating party, those who have it in their devices in anticipation of becoming a receiving party or a payment party, could receive several updates or communications regarding the Promotions directed at specific or related goods or services.

As briefly noted above, the invention could comprise a user screen that could be present in a retail location. The user screen could comprise a basic signaling, a video screen, a touch screen, an ink-electronic screen (for example, a bi-stable screen), an interactive screen, one or more screens or multiple screens or zones screen, a multimedia screen (for example, with sound, video, touch, smells, tastes, etc. ).

The information displayed could be updated in several ways. In the case of basic signaling, the screen could be updated according to typical modes, that is by replacing several signs and screens. In the case of an electronic screen (video or otherwise), the information on the screen could be updated through the use of a network connection (for example, internet, IT, T3, cable, fiber optics, etc.) , through mobile technology (for example, 3G, 4G, etc.), wireless technology (RFID, BlueTooth®, or other wireless technology), or through a memory that can be updated or replaced (for example, a disk, a memory card, a control unit, DVD, or other storage device, etc.).

The goods or services could comprise any number of products. For example, stored value cards (for example, gift cards, prepaid debit cards, etc.), wireless airtime or fill cards, game or value symbols cards, transportation tolls, value cards laundry, digital media (for example, music, videos, books, programs, software, games, applications, etc.), services and / or any other type of virtual, electronic, digital or physical goods.

The clue selected and saved by the part of origin could be placed, maintained and / or stored in various portfolios, folders, groupings or baskets associated with the mobile device. These portfolios, folders, groupings or baskets could be created and managed by the user and could be associated with several characteristics such as retail sellers of origin, categories of goods or services, selection dates, payment mechanisms, etc. The clue could be kept in these portfolios, folders, groupings or baskets until the purchase or until a period of time has elapsed and the sign has expired. Alternatively, if the indication is associated with goods or services it is associated with a specific price or promotion, the indication could expire or be deleted when the promotion ends or when the price is no longer available.

With reference to Figure 1, an example screen 10 according to some embodiments of the invention will be discussed. Screen 10 could be any form of signaling, video screen, monitor, touch screen, bi-stable screen, etc., 110. This could comprise one or more display areas, and could display or display one or more products. With reference to Figure 1, the screen 10 could indicate several products, goods or services that could be purchased or could be obtained using the screen. For example, screen 10 could point out financial products 111 (for example, a Visa card of 650, 1300 or 3250 pesos (50, 100 or 250 dollars)), airtime products or mobile phone 112 (for example, 60 minutes, 120 minutes, or 180 prepaid airtime minutes), digital media 113 (e.g., a prepaid iTunes card, a single song download, or a movie download or purchase), or other items 114 (e.g., game symbols for the online or local game, card or laundry value, downloadable books for electronic readers, etc.). It is contemplated that any good, whether digital, electronic or physical, could be purchased by the systems and methods of the invention and could be identified by a clue.

In the indicia or indicia may be associated with a quantity of value, and the invention could be used to transmit monetary amounts between users. A sign of value, for example a representative sign of 875 pesos (50 Euros, at the exchange rate of 17.50 pesos per Euro) could be selected by a source party. The originating part could be paid for the 875 pesos (50 Euros) in dollars, and then, you could send the clue to the value to a reception party. The reception party could use the sign sent to obtain the value of 875 pesos (50 Euros).

Similarly, a clue could be circulated between a group of users, and each user could add value to the clue. For example, an originating party could select a clue associated with a variable denomination Visa prepaid debit card. The originating party could select and could provide the payment of 650 pesos ($ 50 dollars, all conversions are at the exchange rate of 13 pesos per dollar) that will be added to the associated prepaid Visa debit card. The originating party could then circulate or pass the clue to others, who in turn could contribute to the prepaid Visa debit card through the use of the clue. Once finalized, the clue could be sent to the receiving party that could receive the cumulative gift.

Each of the items 111, 112, 113, 114 displayed on the screen 10 could be associated with a clue. The clue could be available through the use of the screen, as discussed in more detail below with reference to Figure 3.

It is noted that the screen 10 could be provided by a third party, and this could be observed on the screen 120. The third part could be an intermediate part between the retail seller of origin, the retail seller of supply and / or the provider of goods or services. The third part could establish and manage the systems and methods of the invention. 1 With reference to Figure 2, a screen 20 could also comprise one or more display areas. For example, a screen could be divided into two (2) zones, where an area 210 displays various promotions and discounts 211, while the second zone 220 displays the corresponding products 212, 213 for which promotions or discounts apply. Alternatively, a viewing area could provide a video, such as a commercial advertisement or other advertisement, while a second screen area displays the products and the corresponding indication that is being announced.

Alternatively, several screen areas could be used to display or present related, complementary or associated products. For example, if the screen is a touch screen, the user may be able to select a particular product from a separate digital catalog, for example, by category. Once the user selects a product or category, other related, complementary or associated products could be displayed. In this modality, for example, a user could select a product that corresponds to cinema or theater tickets, and the products related to local restaurants to the theater could be visualized.

In some modalities, products or services comparable to the client could be visualized together or in place of the selected products or services. For example, a customer might be looking at several gift cards for restaurants. The client could have selected an Italian restaurant. The screen could point to comparable products, that is, other Italian or similar restaurants, for which the home retailer can offer discounts or current promotions.

The screen could be any type of device that is capable of transmitting to the user or client the indication associated with the goods or services desired or selected. The clue could be transmitted by means of a mobile phone reading, or it could otherwise obtain the indication of the screen, for example, by reading a machine code. With reference to Figure 3, the clue could be listed and displayed as a code (e.g., a bar code 311, an Aztec code 312, a QR code 319, or an image code 319), or it could be a code alpha 315, numeric 314 or alphanumeric 316 that the user could enter the mobile device. The clue could also be transmitted wirelessly to the user device, for example, through the use of RFID or BlueTooth technology, which could be initiated by the "light beating" of a particular portion of the 313 screen. , the user could connect the user device directly to the screen, for example, by means of a USB or mini-USB cable 317.

With reference to Figure 4, below, a general transaction will be discussed. A retail seller of origin 410 could comprise a screen, which in turn could comprise several indications of various goods or services. An origin party 420 could select and save one or more cues on a device 421. At this point, the originating party could continue to the retail seller's point of sale (POS) and could pay for the goods or services associated with the clue. Here, the origin part is also the payment part. Once paid, the goods or services could be provided, either physically or electronically, to the originating party. Here, the origin part is also the payment part and the receiving part.

Alternatively, source part 420 could provide the clue to a different party, a payment party, who could pay for the goods or services using the clue. The payment part 430 could use a device 431 to pay for the goods or services in the retail outlet of origin 410, in a digital presence of the retail seller of origin 410, in a different retail vendor, in a digital presence of a different retail seller, or a third party (for example, a party that manages the program). With reference to Figure 4, in this example mode the 430 payment party could use the website of a different retail seller 440 to buy the goods or services using the clue. The different retail seller is the retail seller of supply. It is noted that the retail seller of origin and the retail seller of supply could be the same.

The retail vendor 440 could then provide the purchased goods or services to the desired party. The party receiving the goods or services purchased from a receiving party 450, which could receive the goods or services in or associated with another device 451. It is noted that the receiving party could be the originating or paying party, although not It is necessary that it be.

With reference to Figure 5, various update modes of the 511 display in a 510 retail location will be briefly discussed. The screen 511 could be in selective communication with a local database 512 of various promotions or articles. The screen 511 could be in selective communication with an input 513, which could receive a memory card, a control unit, DVD, or any other download of local updated information for the retailer 510. Alternatively, the 511 screen could be in selective wireless communication 514 with another part 520 that could update, remotely, the screen using its own wireless communication 521. The screen 511 could also be in selective wired communication with the third party 520, for example, by means of a network connection (e.g., the Internet, a host-to-host connection, a direct line, etc.) . It is also anticipated that more than one party may be able to update the information on the 511 screen. For example, a provider could buy screen time and could use this time to present various goods, services, promotions, etc. Consequently, the provider could directly update and / or modify its contribution to the screen.

With reference to Figure 6, a potential flow 60 of the indicia and the product or service purchased according to some embodiments of the invention will be discussed. A source party 610 could use a device 611 to capture the indicia 670 from a retail vendor of origin 640. The indicia 670 could comprise information such as the identification of the product or service, the price information of the product or service, the identification information of the retail seller of origin 640, etc.

The originating party 610 could transmit the indicia to a payment party 620 (or a device of the payment party 621). It is noted that the indicia 671 transmitted from the originating party 610 to the payment party 620 could be modified from the initial indicia 670 captured in the seller to the retail of origin 640. For example, the modified indicia might include the information that identifies the originating party, various customer loyalty membership information of the originating party, etc. The 620 payment party could use a 672 sign to buy the goods or services. The goods or services could be purchased from a supply part, that is, the retail seller of origin 640, a third party 650, or another retail seller who is a retail seller of supply 660. The indicia 672 provided by the part of payment 620 to the supply part could also be modified from the indicia 670 or 671. The indicia 672 could comprise the information that identifies the payment part 620, various memberships of the payment part 620, or the information that identifies or associated with the party to receive the goods or services, the receiving part 630.

The supply part could then provide the goods or services to the receiving party 630 or a device of the receiving party 631. Again, it is noted that the originating party 610, the payment party 620, and the party of 630 reception could be the same or different parties or users.

With reference to Figure 7, below, an example commission program 70 based on various purchase arrangements will be described. For example, because a retail seller of origin originated the sale, without considering where the final sale was made, by providing the initial indication to customer 71, the retail seller of origin could be entitled to a commission of X 72 (for example, 1, 2% of the value of the purchased product). The retail seller of supply, assuming that the retail seller of supply is a participant in program 73, could receive a commission of Y for consummating the sale 74 (for example, 2, 2.5% of the value of the purchased product). If the retail supply vendor is not a program participant, or if the goods or services were provided from a neutral third party 75 (for example, a third party who manages a program), then the retail vendor origin may be entitled to an additional fee of Z 76 (for example, 0.5% of the value of the purchased product).

Consequently, if the retail seller of origin is the retail seller of supply, then this retail seller could be entitled to a commission of 3, 4.5% of the purchase price of the product or service. The retail seller of origin is rewarded by advertising, visualization and initiation with good results from a sale of a product or service. The retail seller of supply is rewarded for actually closing the sale.

It is anticipated that once a part of origin or Any other party may have stored one or more indicia on a device, it may be able to buy the associated product or service by selecting the indicia on the device and using an application that could be provided by a retail vendor or a third party that operates A program. Consequently, a purchase using an application provided by the program manager or any other neutral third party would not negatively impact the vendor's commission at the retail level of origin, but would rather add a small amount (because the sales commission does not is paid to another party).

This intermediate application could communicate with the screen in the originating merchant to obtain the different indications and could act as a basket to retain the different indications that are not yet purchased. The intermediate application could also be in selective communication with a source of funds, for example a mobile portfolio or financial account, for the purpose of providing easy payment for the selected clue for the purchase. In addition, the intermediate application could contain user information that could impact the availability or price of several goods or services. For example, a customer could use this intermediate application to register several customer loyalty programs, membership programs that could impact the price (for example, AAA), membership programs that could impact the availability of the product or service (for example, DirectBuy, or purchases from a club) or other identifying characteristics that could impact the availability or price of the product or service. The indicia displayed on the screen could be specifically configured for use with these intermediary applications in an attempt to provide fast, efficient, and seamless merchant transactions.

With reference to Figures 8A-D, the systems and methods of using the traceability indicia according to some embodiments of the present invention will be discussed below. With reference to Figure 8 A, it is contemplated by the present invention that a source part 810 could capture, read or otherwise obtain one or more indicia 820 from a stored value. The originating party 810 could transmit the indicia 820 to a second party 830. It is noted that the originating party 810 could be the second party 830, and / or the second party 830 could be the payment party and / or the party party. reception. The second part 830 could buy the sign 820, it could pass the sign 820 on other party, or it could receive the sign 820 once / if it is bought.

With reference to Figure 8B, a source part 810 could transmit a token 820 to more than one part 830, 831, 832. In this embodiment, one or more of the parts 830, 831, 832 could be the part of payment or reception. For example, an originating party 810 might wish either a certain clue to be received and could send the clue to several potential gift givers. According to some embodiments, a party of origin 810 may wish that each of the parties 830, 831, 832 obtain and receive a clue, for example, if the clue is indicative of a textbook at a reduced price.

With reference to Figure 8C, a source part 810 could transmit the indicia 820, 821, 822, 823 to a second part 830. The second part 830 could select one or more for purchase, receipt or for transfer elsewhere . Similarly, Figure 8D illustrates that a source part 810 could transmit more than one indicia 820, 821, 822, 823 to more than one party 830, 831, 832. For example, a teacher could pass multiple indicia comprising a Reading list to a variety of students.

Figures 9A and 9B illustrate, in accordance with some embodiments of the present invention, that a clue could identify a category or subset of goods or services and could develop during transfers between multiple users to more specifically identify goods or services. specific services. With reference to Figure 9A, a source part 910 could identify a product general that you wish to receive or that is sent to a receiving party. For example, source part 910 could identify a prepaid product line that corresponds to the value that can be used in a certain game. The originating party 910 could send a 920A flag of this type from the stored value card to the second party 930. In this example, the second party 930 could be the payment party; however, it is noted that it is anticipated that the second part 930 could pass the downstream 920A, or it could also be the receiving part.

The second part 930 could then determine what amount or level of value will be purchased. For example, a source part 910 could have transferred a token related to symbols for use in GAME. The second part 930, as the payment part, could decide that you want to buy 130 pesos (($ 10.00) ten dollars) of symbols for use in GAME. The second part 930 could send the indicia 920A, an identification of the amount of value that will be purchased 950, and the value 960 to a central processor 940, which could activate the indicia for use. The central processor 940 could then send the activated token, with a specific value, back to the second part 930, or to an identified receiving part. With reference to Figure 9A, the receiving part could also be the source part 910, and either the central processor 940 or the second part 930 could pass the specific indicia activated 920B to the origin party 910 for further use or distribution.

With reference to Figure 9B, another system and method in which a clue could identify a category or subset of goods or services could be discussed and could be developed during transfers between multiple users to identify, more specifically, the specific goods or services. , according to some embodiments of the present invention.

In Figure 9B, a user of origin 910 could identify a category of goods or services and could send an indication of this category of goods or services to one or more second parties 930. For example, as shown in Figure 9B, a source user 910 could send a 920A cue that corresponds to a specific band, for example, 'the Beatles'. The second part 930 could receive the 920A indication and could select a specific good or service of the category sent. The second part 930 could then send the indicia 920A, a selection id 950, for example, the song 'Yellow Submarine', and the value 960 to a central processor 940. The central processor 940 could trigger the cue for amortization or use with the specific goods or services selected by the second part 930. The central processor 940 could transmit the specific indicia activated 920B of return to the second part 930, or it could transmit the specific hint activated 920B to an identified receiving party. It is noted that while Figure 9B represents the source part 910 as the receiving part, an additional or alternative receiving part could be present.

With reference to Figure 10, according to some embodiments of the present invention, a source part 1010 could be an organization, association, society or some other type of group or entity. For example, the origin part 1010 could be an association of the type of conscious members, such as, for example, an organization of students of a university or college. The origin part 1010 through its state, may be able to offer its members certain goods and / or services at a reduced rate. For example, a student organization could offer several branded items (such as school sweatshirts, etc.) as well as publications written or made by other students at a less costly rate than is publicly available. The originating party 1010 could transmit 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 clues 1021, 1022, 1023, 1024, and could select this clue 1021, 1022, 1023, 1024 and could pass on the clue, as well as the value 1050 to a central processor 1040 for purchase.

It is noted that it is also contemplated that the origin party 1010 could buy each of the goods or services identified by the indicia 1021, 1022, 1023, 1024 for its members 1031, 1032, 1033, 1034, 1035, and the members only need transmitting the indicia to the central processor 1040 for depreciation.

The central processor 1040 could then provide, or could initiate the provision of goods or services purchased from the receiving member (as represented in Figure 10, member 1032 could receive the goods or services identified by the 12345 XYZ indicia, and the member 1034 could receive the goods or services identified by clue 54321 ABC).

It is noted that it is contemplated that in order to offer these reduced price offers to the members, the central processor could require identification of the receiving part as a member of the association of the originating party 1010. For example, as is illustrated in Figure 10, a member 1034 could send an indication of the selected goods or services 1023, as well as the value 1050 and an identification feature of the member 1060 to the central processor 1040. The central processor 1040 could then determine (a) the specific goods or services identified by the clue received; (b) if the amount of value received is adequate for the specific goods or services identified by the indicia received; and (c) if the requesting party is eligible, based on an identification feature, for the price or selection relevant to the specific goods or services identified by the indication received.

With reference to Figure 11, the systems and methods that use the transferable indicia according to the present invention could be used in business-to-business applications. For example, a first 1110 business could offer a selection of goods or services 1120 to a second 1130 business. The selection of 1120 goods or services could comprise one or more indications 1121, 1122, 1123, 1124 that identify or are associated with the goods. or specific services. The second 1130 business could then select one or more indications of the 1120 selection of goods or services, and could provide the clue of this selected cue to its employees and / or customers 1131, 1132, 1133, 1134, 1135. The employees and / or customers 1131, 1132, 1133, 1134, 1135 could select one or more of the signs for amortization. It is contemplated that employees and / or customers 1131, 1132, 1133, 1134, 1135 could send the indication of return to the second business 1130 in 1140 for the amortization (and the second business 1130 could add the indication received from its employees and / or customers and could send the aggregate to the first business or to a central processor 1160), could send the clue to the first business 1110 in 1150 for the depreciation (and the first business could send the clue to the central processor 1160), or could send the clue directly to the processor Central 1160. The activated sign or the goods and services associated with the indicia could be provided to the employee and / or customer of the first business 1110, the second business 1130, or the central processor 1160.

The systems and methods according to some embodiments of the present invention could also be used to transmit the specific goods or services, or to provide the payment or value of the specific goods or services, between the specifically identified parties.

For example, certain goods or services could be identified as specifically desirable to provide certain reception parts. Certain goods and services, such as healthy food, warm clothes, tutoring, and specific extracurricular activities may be identified and grouped as is desirable for the children. This grouping could be achieved by a government entity or agency, a special interest group, or any other interested party. The grouping of specific goods and services could be distributed between several parties. Examples of this could include distributing this clue to parents who pay for the child's support, family members of children at risk or otherwise identified, or to various charities and groups for external support (for example, a electronic version of a gift exchange given by charity during the holiday season).

Specifically, interested party 1210 could identify a group 1220 of one or more indicia 1221, 1222, 1223, 1224 determined to be of interest, necessary, or desirable to provide a receiving party. The sign group 1220 could be transmitted to one or more parts 1231, 1232, 1233, 1234, 1235. At this point, several processes could occur. For example, part 1231 could identify the token 1221 as something that part 1231 would like to obtain either by itself, or for the receiving part 1237. Part 1231 could then send the token 1221 and the 1250 to the processor central 1240. The central processor 1240 could then determine the goods or services identified by clue 1221 and could provide or initiate the provision of the goods or services either back to part 1231 or to the receiving part 1237.

It is contemplated that in some circumstances, parties receiving the clue group may not have funds available for the purchase of the goods or services identified, although you might be entitled to the goods or services nonetheless. For example, user 1233 could identify the token 1223 that is desirable and could send the token 1223 only to the central processor 1240. The central processor 1240 could then provide, or could initiate the provision of the goods or services back to the part 1233 For example, if part 1233 is in government assistance (stamps for food, TA IF, etc.), certain additional goods or services could be provided free of charge.

According to some modalities, a user 1235 could receive the group of the sign 1220 and could determine that from the group 1220, two identified goods or services are desirable. The clue associated with these goods or services 1222, 1224 could be transmitted to another party 1238 for purchase. The party 1238 could select one of the sent sign 1224, and could transmit the cue 1224 and the pay 1250 to the central processor 1240. The central processor could then provide, or could initiate the provision of the goods or services back to part 1235 or an identified recipient 1236. For example, a state agency may determine that it qualifies as "needs" for children, and a custodial parent could send the indication that corresponds to the needs personally applicable to a noncustodial parent (ie, the person who is paying child support or who otherwise provides financial assistance to the child or custodial parent). The noncustodial parent could then decide that they want the purchase (or could be obligated to some extent) of a specific good or services (for example, textbooks or school supplies), and could send the clue and payment to the 1240 central processor The central processor 1240 could then provide, or could initiate the provision of the goods or services to the party 1235 or the receiving party 1236 (here, for example, the child).

According to some embodiments of the present invention, an originating party 1310 could, or could otherwise obtain, a plurality of indicia 1321, 1322, 1323, 1324. Here, the originating party 1310 could also be the payment party. The originating party 1310 could then distribute the active indicia 1321, 1322, 1323, 1324 to various receiving parties 1331, 1332, 1333. The receiving party 1331 could receive the indicia 1321; the receiving part 1332 could receive indicia 1322 and 1323; the reception party 1333 could receive the clue 1324. Although clues 1321, 1322, 1323, 1324 could be paid and activated, they still could not be written off. Accordingly, each of the receiving parts 1331, 1332, 1333 could amortize its respective indication received with a central processor 1340.

For example, in a holiday event an originating party could buy a plurality of clues and could distribute the clues to the receiving parties as the originating party. Another example could be the purchase of "digital stacking fill machines", which a source part can distribute among various gift containers.

With reference to Figures 14A and 14B, the systems and methods according to some embodiments of the present invention directed to the group gift will be discussed. The group gift could generally be observed to occur in at least three (3) environments: a serial environment, a parallel environment and / or a combination of serial and parallel environments. With reference to Figure 14A below, a serial environment will be discussed.

A source part 1410 could select an indication that corresponds to a good or service. For ease of discussion, the clue could correspond with a prepaid debit or gift card. However, it is noted that the group gift could also provide different products or product features that could be purchased or unlocked at various price points. The origin part 1410 could select the clue and it could add the 1430 value to the cue. For example, source part 1410 could add 650 pesos ($ 50.00 dollars) to the clue. The sign 1420, with a value of 650 pesos ($ 50.00 dollars), could then be transmitted to the second part 1411. The second part 1411 could add 260 pesos ($ 20.00 dollars) to the clue, now the clue 1421 and could transmit the clue 1421 to the third part 1412. The third part 1412 could add 1300 pesos ($ 100.00 dollars) to the clue. This process could continue through any number of parties. When the last part has added value (a part could be a last part when a group of participating parties has been exhausted, when the time limit has been reached, or when there are no more interested parties contributing to the gift), the final sign 1422 with a combined value of 2210 pesos ($ 170.00 dollars) it could be provided to the reception part 1440.

With reference to Figure 14B, a parallel contribution scheme will be discussed. In Figure 14B, a source user 1410 selects a cue 1420 as a gift for the receiving party 1440. The originating user 1410 then distributes the cue 1420 to one or more of the parties 1411, 1412, 1413. Each of one or more of the parts 1411, 1412, 1413 could add value to the indicia by transmitting to a central processor the indicia 1420 and an amount of value. For example, part 1411 could assess 1430 the price 650 pesos ($ 50.00 dollars); Part 1412 could convey the value 1431 of the price 260 pesos ($ 20.00 dollars); part 1413 could transmit the value 1432 of the price 1300 pesos ($ 100.00 dollars). The central processor 1450 could add the value and could provide a clue 1425 that is associated with the combined gift value (here, 2210 pesos ($ 170.00 dollars)). The central processor 1450 could provide the clue to the receiving part 1440, or the central processor 1450 could provide the final clue found back to the originating part 1410 for transport to the receiving part 1440.

In general, the present invention provides the indications that are transferable to a life cycle of the indicia. The clue could identify a certain good or service, or a group or set of goods or services. The clue could be modified to additionally identify the good or service, for example, a specific song of a specified band, or a certain value on a gift card. The clue could include the identification of the originating party, the receiving party, or the payment party with the purpose of providing specific offers to user groups. The clue could include information that identifies the originating merchant, if any, or any type of advertisements that lead to an originating party to capture or otherwise record the clue.

The clue could be transferred between numerous parties in these various states. The clue could evolve during these transfers to provide the necessary or desirable information in a specific transaction.

Various other attributes and / or features could be part of the system and method of the invention. For example, attributes such as a "daily deal or deal" or another name could be used. In this attribute, a client who downloads a clue could receive a notice or message as part of the "daily deal" informing the customer of relevant related promotions. For example, if a customer unloads a sign for a restaurant (for example, an indication of gift card from the restaurant 'Outback'), a sign of cinema (for example, the cinemas "AMC) could be provided at a discount due to, in light of, or depending on the desired purchase of the restaurant.

According to some embodiments of the invention, an application or program as discussed above could be in selective communication with a retail vendor's screen when the user is in or near the retail location (which is opposite). to require that the user be immediately next to or in close proximity to the screen). The application or program could then display either all or most of the virtual products available from the retail seller.

According to some embodiments of the invention, the application or program as discussed above could track the user's location, for example, within the retail location. In this way, detailed offers or "daily deals" could be offered to the user based on the user's location within the location. For example, if the user is in the portion of the warehouse where the DVDs are sold, the user could receive a promotion or "daily deal" directed, for example, at a reduced price in tickets of a particular theater or theater. Another example could be to offer the user a discount on complementary items. For example, if a user is in the portion of the store where the computers are purchased, the user could receive a promotion or "daily deal" for archival services or online backup.

It is also contemplated that several retailers and suppliers may intentionally reduce their possible commission for the purpose of making a sale and that they are the retail seller of supply. For example, a home retailer could announce that if the purchase is made from the retail seller of origin, the price would be 1.5% less than what would typically be the cost. The retail seller of origin, if he makes the sale and The retailer returns to the retail supply, could be able to reduce its sales commission of 1.5%, which is collected a full commission of origin and a reduced sales commission in order to promote the sale.

Several other aspects of the invention could also be used. For example, when the clue is obtained by a user device, in the case of digital goods or services, the goods or services could actually be placed in the device in a locked or inactive state. Once purchased, either in line at the retailer or later through the use of an application or other connection, the digital goods or services could be unlocked. This could provide at least two (2) benefits.

First, the loading of the digital goods or services, which could require a fair amount of the data that will be transmitted, could be obtained at the retailer, possibly using a network connection sponsored by a free retailer. Consequently, the user does not need to worry about the excess data charges for this transfer. When the purchase is completed, it may be necessary for a minimum amount of data to be transferred from the seller to the retail supply to the receiving party for the purpose of unlocking or authorizing the use of the goods or services. digital For example, an encryption code or other password or authorization code could be transmitted from the supply part.

Secondly, a user could select several digital goods or services and could load them into a device, and then only select and pay for the goods or services currently used. For example, before a trip a user could select three or four digital movies, the clues and files from which they could be placed on the user device. The user could then select, and pay, only the movies that he really wants or has time to observe.

In addition, due to the degree of transfer of the clue (as discussed earlier), a source party (for example, a child) could send several clues to another party (for example, a parent) that the first party wishes to access. The second part, the father, could then select what goods or services he likes and the payment of these goods and services, which could then be sent or provided to the originating party, or the child. These aspects could be coupled with what are commonly known as filter cards or restricted expense cards for the purpose of providing value to a receiving party that has limitations in the way it could be used (for example, for groceries although not for alcohol or tobacco).

According to some embodiments of the present invention, the systems and methods of supplying or delivering a commission system for a transferable indicia will be discussed below. In general, the commission system could use several entries to calculate or determine the commission fee to a merchant. Traders possibly eligible for a commission could include a home trader or a supply trader. In addition, promotions placed or otherwise approved by suppliers of goods or services could also impact commissions.

In order to understand the variables that could be weighted by the commission system, it might be useful to first understand the identity and role (s) of the parties. A merchant of origin is a merchant who initially provides the clue to a user. The user could transfer the indication to several other parties, although because the originating trader initiated a process that could lead to a sale, the originating trader could receive a commission for that contribution.

A supply trader is a trader who activates the clue to use or who provides the goods or services (for example, in the case of physical goods). If the goods or services are digital, there could also be a provider of goods or services. For example, a merchant of origin could provide a clue to an iTunes gift card of 650 pesos ($ 50 dollars). A supply trader could actually "sell" the gift card, thereby activating the clue already obtained. It is noted that according to some embodiments of the present invention, the merchant of origin and the merchant of supply could be the same merchant.

The provider, here, iTunes or Apple, could then provide the goods or services associated with the clue. In a physical property mode, an originating merchant might provide a clue that is associated with a particular DVD or Blu-Ray Disc. The supply trader could use the clue to physically sell the DVD or Blu-Ray Disc to a customer. This physical sale could happen in a physical warehouse, brick and mortar, or could occur online, where the clue could be entered and the DVD could be purchased and subsequently shipped. It is noted that the supplier of goods or services could be the supply trader; although in cases of activation of the amortizable sign for the value of the digital goods, etc., the supplier of goods or services could be a separate and distinct part of the supply merchant.

Several other attributes could also impact the determination of the commission for the parties. The facts They could include, but are not limited to: the price at which the goods or services are sold, some promotions offered by the originating merchant, some promotions offered by the supply merchant, some promotions offered by the supplier of goods or services, or by the manufacturer of the goods or services, some promotions that could be applicable to the user due to the user's characteristic, the length of time between the original capture of the clue and the purchase decision, the competitive relationship between the trader of origin and the supply merchant, control of the contract documents of any of the parties with the commission system, the number of transfers between the different users through which the sign traveled, the characteristics of the goods or services selected for the purchase (for example, the total value of the purchase, etc.), the interaction between any other party or entity (for example mplo, goods or services purchased, for example, stamps for food could have a reduced commission from the merchant), some other features of the sign, users, merchants, supplier, manufacturer and / or any other party or relevant entity .

As noted previously, a clue could include information that could be used by the central processor (which could include or could be otherwise called a commission engine). With reference to Figure 15, below, an indication 1500 will be discussed according to some embodiments of the present invention. The 1500 sign could include different information that could be used by the central processor to determine what commission, if any, is due to the supply merchant and / or the originating merchant. The 1500 mark could comprise the portions provided by the identification of purchased goods or services 1501, the identification of the originating merchant 1502, the identification of any applicable promotion that the originating merchant could have submitted 1503, the merchant identification of 1504 supply , the identification of any applicable promotion that the supply trader could have submitted 1505, and / or other information 1506. Other information could include the date and / or the time of the capture of the indication or the purchase transaction, the promotions provided by the manufacturer of the goods or services in the emission, the information that refers to the user of origin or obtaining, such as the specific membership of the group, the loyalty membership, etc. ).

With reference to Figure 16, below, a method according to some embodiments of the present invention will be discussed. In step 1610, the originating user You could select and capture the clue in the home merchant. As noted previously, the originating user could capture or otherwise obtain the clue, for example, from a screen.

In step 1620 the originating user could transfer the cue to a different user, who could become the obtaining user. In step 1630, the obtaining user could present the indication for activation and / or purchase in the supply merchant. In step 1640, the supply trader could send the indicia and / or other information to the central processor.

In step 1650, the central processor could identify the goods and services associated with the indicia, as well as the final purchase price of the goods or services associated with the indicia.

In step 1660, the central processor could determine the commission, if any, for each of the supply merchant and the originating merchant. The determination in step 1660 could use various information provided by or accessed from the data storage. This information may include, but is not limited to, information regarding the identity of merchants, promotions, competitive models, users, time durations, promotions of the manufacturer, etc.

After determining the commissions, if they existed, the central processor could then send the commission amounts to the home trader in step 1680 and to the supply trader in step 1690. The settlement or balance of the current purchase and / or activation could occur subsequently, and the transfer of current value of the value representing the commissions could be negotiated immediately, subsequently or periodically.

With reference to Figure 17, below, a system according to some embodiments of the present invention will be discussed. System 1700 could comprise a 1710 supply merchant, a merchant of origin 1711 and possibly a 1712 goods or service manufacturer.

The system 1700 could also comprise a central processor or commissioning engine 1720. The central processor or commissioning engine 1720 could comprise a 1721 merchant interface in selective communication with the 1710 supply merchant, the home trader 1711 and possibly the manufacturer 1712 The central processor 1720 could further comprise a data storage 1722 and a commission calculation module 1723. The data storage 1722 could comprise information that could be considered by the commission calculation module 1723 to determine commission amounts.

The data storage 1722 could comprise the information in relation to the merchants, the promotions, the competitive models, the users, the length of time and / or any other information that could be relevant for the calculation of the commission.

It will be understood that the specific embodiments of the present invention that are shown and described herein are exemplary only. Numerous variations, changes, substitutions and equivalents will occur to those skilled in the art without departing from the spirit and scope of the invention. Accordingly, it is intended that all of the subject matter described herein and shown in the appended figures be considered only illustrative, and not in a limiting sense, and that the scope of the invention will simply be determined by the appended claims.

It is noted that in relation to this date, a better method known by the applicant to carry out the aforementioned invention, is that which is clear from the present description of the invention.

Claims (24)

CLAIMS Having described the invention as above, property is claimed as contained in the following claims:

1. A method of determining the commission amounts in a multi-party transaction for the purchase of goods or services by means of a procurement user, the goods or services associated with the indicia, the multi-party transaction is at least between one originating merchant and a supply merchant, the supply merchant is in selective communication with the central processor, characterized in that it comprises: receive through the central processor of the supply merchant: the clue associated with the goods or services for the purchase; Y a purchase price for the goods or services; determine by means of the central processor the goods or services associated with the clue; determine by means of the central processor the factors associated with the transaction of multiple parties, the factors include: the purchase price for the goods or services; the identity of the supply merchant and the supply merchant characteristics associated with the supply merchant; the identity of the originating merchant and the merchant characteristics of origin associated with the merchant of origin; calculate, depending at least in part on the factors: a commission, if any, for the supply merchant; Y a commission, if any, for the home trader.

2. The method according to claim 1, characterized in that the factors further comprise: Any applicable promotions offered by the merchant of origin.

3. The method according to claim 2, characterized in that the applicable promotion offered by the originating merchant was offered by the originating merchant at the time the clue was captured by the originating user.

4. The method according to claim 2, characterized in that the applicable promotion offered by the home trader is currently offered by the home trader when the goods or services are purchased from the supply merchant.

5. The method according to claim 1, characterized in that the factors further comprise: Any promotion applicable by the supply merchant.

6. The method according to claim 1, characterized in that the factors further comprise: the characteristics of the obtaining user.

7. The method according to claim 6, characterized in that the characteristics of the obtaining user could be selected from the group consisting of: obtaining a user membership in a particular club; obtain a user membership in a particular loyalty program; obtain a user membership in a particular class; and where the obtaining user did not originally capture the clue in the originating merchant.

8. The method according to claim 1, characterized in that the trace was captured from the originating merchant by a source part.

9. The method according to claim 1, characterized in that the factors further comprise: the characteristics of the originating user.

10. The method according to claim 9, characterized in that the characteristics of the originating user could be selected from the group that consists of: obtaining a user membership in a particular club; obtain a user membership in a particular loyalty program; obtain a user membership in a particular class; and where the obtaining user did not originally capture the clue in the originating merchant.

11. The method according to claim 1, characterized in that the factors further comprise: any applicable promotions offered by a manufacturer of the goods or services.

12. The method according to claim 1, characterized in that the factors further comprise: the characteristics of the purchase transaction.

13. The method according to claim 12, characterized in that the characteristics of the purchase transactions could be selected from the group consisting of: the location of the purchase transaction, the type of purchase transaction and the value transmitted to pay for the purchase transaction.

14. The method according to claim 8, characterized in that the indication was transferred from the originating user to the obtaining user.

15. The method according to claim 14, characterized in that the indicia was transferred from the originating user to the obtaining user by means of one or more intermediate users.

16. The method according to claim 15, characterized in that the factors further comprise the number of transfers that the indicia traveled between the originating user and the obtaining user.

17. The method according to claim 1, characterized in that the factors also include the amount of time that elapsed between the capture of the sign by the user of origin and the purchase of the goods or services by the obtaining part.

18. The method according to claim 1, characterized in that the supply merchant characteristics could comprise a competitive merchant supply picture of the supply merchant, the competitive merchant supply scenario establishes the direct competitors of the supply merchant.

19. The method according to claim 1, characterized in that the merchant characteristics of origin could comprise a competitive landscape of trader of origin of the originating merchant, the competitive merchant outlook of origin establishes the direct competitors of the merchant of origin.

20. A method of determining the commission amounts in a multi-party transaction for the purchase of goods or services by means of a procurement user at a supply merchant, the goods or services associated with the trait captured from a trader of origin by an originating user and transferred to the procurement user, the multi-part transaction is at least between a supply trader in selective communication with the central processor, characterized in that it comprises : to receive by means of the central processor of the supply dealer the indication and the purchase price for the transaction; determine by means of the central processor the factors associated with the multi-party transaction, the factors selected from the group consisting of: the purchase price for the goods or services, the identity of the supply merchant, any applicable promotions offered by the merchant supply, the originator's identity of origin, any applicable promotions offered by the merchant of origin, any applicable promotions offered by a manufacturer of the goods or services, the characteristics of the originating user, the characteristics of the obtaining user, the location of the purchase transaction, the type of purchase transaction, the transmitted value of the payment for the purchase transaction, the amount of time that elapsed between the capture of the indication by the user of origin and the purchase of the goods or services by the obtaining user; a competitive landscape between the home trader and the supply trader; calculate, depending at least in part on the factors: a commission, if any, for the supply merchant; Y a commission, if any, for the home trader.

21. A system for the determination of commission amounts in a multi-part transaction for the purchase of goods or services by means of a procurement user in a supply merchant, the goods or services associated with the catch captured from a merchant origin by a user of origin and transferred to the obtaining user, characterized in that it comprises: a commission engine, comprising: a merchant interface, configured for selective communication at least with the supply merchant; a data storage, comprising: the information that identifies the merchants and the characteristics related to these merchants; the information that identifies competitive scenarios for these merchants; the information associated with the promotions offered by the supply merchant or the merchant of origin; a commission calculation module, configured for the calculation of a commission fee, if any, for the supply merchant and a commission fee, if any, for the home trader, the calculation is based on the purchase price of the commission. the transaction, the information received in the indicium, which can be obtained from the indicia, and / or the data storage information.

22. The system according to claim 21, characterized in that the merchant interface is configured for selective communication with the merchant of origin.

23. The system according to claim 21, characterized in that the data storage also includes the information associated with the manufacturer of the goods or services.

24. The system according to claim 21, characterized in that the calculations of the commission calculation module are based, at least in part, on the amount of time that elapsed between the capture of the originating trader's sign by the originating user and the transaction in the supply merchant.