CN105103179A - Improvements relating to multifunction coupon processing systems - Google Patents
Improvements relating to multifunction coupon processing systems Download PDFInfo
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- CN105103179A CN105103179A CN201380070921.9A CN201380070921A CN105103179A CN 105103179 A CN105103179 A CN 105103179A CN 201380070921 A CN201380070921 A CN 201380070921A CN 105103179 A CN105103179 A CN 105103179A
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- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
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Abstract
A multi-function coupon processing system for issuing and processing a plurality of multifunction coupons is described. The system comprises: a plurality of multi-function coupon-issuing terminals provided at unregulated locations; a unique identifier generator for generating on demand a unique identifier which is to be provided with an issued multi-function coupon; and a central coupon processing server located remotely from but in data communication with the plurality of terminals; the central coupon server comprising: a master function processor for processing redemption of the multi-function coupon in relation to a first function of the coupon.
Description
Technical field
The present invention relates to the multi-functional coupon processing system of improvement.More specifically, although also non-exhaustively, the present invention relates to the multi-functional coupon processing system of improvement, this multi-functional coupon processing system can be used in the not controlled environment of fast-moving consumer goods (FMCG) and still provide the functional access to requiring controlled environment.
Background technology
The present invention is for producing as follows: permanent sensation needs in the restriction of acceptable legal document, to provide the attraction to long-term money investment product to general masses under the restricted financial law of country.Due to the complicated character bought and the time completing exchange's cost, many people evade and buy such product, although (despitethefact) they useful permanent saving can be provided.Further, generally lack finance culture in some colony in society, therefore need to encourage them to buy financial investment product.
Another obstacle buying financial investment product is, causes requirement client to complete " client knowing you " (KYC) process because anti money washing specifies.Such process needs to perform by being trained to the titular people distinguished between true and false identification document (such as passport and driving license), and therefore general controlled, home place in such as bank or post office makes.Further complicacy is that KYC process cost has come for some minutes, relatively slow when this makes them compared with concluding the business with the standard of point of sale (POS) end.
Expect to make financial investment product can be such as, via POS terminal (such as fast-moving consumer goods (FMCG) shop, supermarket check out counters or convenience store) available.But the workman in fast-moving consumer goods (FMCG) shop does not have required qualification/train to perform KYC process, and FMCG shop is general not by control.Further, due to the intrinsic incompatibility in FMCG shop and above-mentioned to the requirement needed for financial investment production marketing, most of financial authorities are caused not allow to sell investment product in not controlled position, if even and if they allow, this process will spend too of a specified duration just commercially feasible.As a result, the POS terminal place that investment product is not useable in FMCG shop sells.
Further, if people attempt to perform controlled action in not controlled position, then some practical problems will produce.Such as, along with the time pressure completing transaction at POS terminal place, with regard to the efficiency of POS terminal, to be all catastrophic for any key error of KYC process or problem, that is, compared with traditional POS terminal problem, out-of-proportion for cost time is solved these problems by it.In addition, for the individual details (name, date of birth, address) that client such as gives them by word of mouth in non-security environment, may have problems, and data input may become very complicated.If require written document, then when buying, client may not carry.Further, their individual details are given to look unsafe the people operated in retail environment by client, and client may feel under the weather.
In our the CO-PENDING application being disclosed as WO2009/019602 (its entirety is bonded to this by reference), describe multi-functional ticket, this multi-functional ticket is intended to by providing two benches process to provide the system solving this incompatibility, in two benches process, buy the option for buying investment product (long-term function) at POS terminal place together with short-term function.The prior art file also aims to provide the financial investment product meeting various restricted financial laws.KYC aspect solves in subordinate phase, and subordinate phase is in the off-line execution in controlled position of date afterwards.But, commonly, always all do not realize the prior art system being used for investment product, because these options are not always used.In addition, if this option is finally used (may many months or for many years after) and when this option is finally used, investment condition may change substantially.Further, because the financial investment of the purchase for a long time product only after the multi-functional ticket of purchase, this causes the loss of the value of sought investment.
Expect to provide the system and method for the improvement described in WO2009/019602, at least some during this system and method solves the problem described above.
Summary of the invention
In a first aspect, the present invention relates to a kind of for sending and processing the multi-functional coupon processing system of multiple multi-functional reward voucher, this system comprises: multiple multi-functional reward voucher sends terminal, and it is provided at not controlled position; Unique identifier generator, it is for generating unique identifier as required, and unique identifier provides together with the multi-functional reward voucher sent; And central reward voucher processing server, it is located apart from multiple terminal remote, but carries out data communication with multiple terminal; Central authorities' coupon server comprises: function of tonic chord processor, and it is for the treatment of redemption that is relevant with the first function of reward voucher, multi-functional reward voucher; Attorneyship function processor, its sending in response to reward voucher, implements the purchase of longterm investment product based on attorneyship; Personal information module, its for receive and store from the controlled position of safety, about the personal information of buyer; Wherein, function of tonic chord processor is arranged to the right of personal information accepting to use client, and in return by the subrogation in bought longterm investment product to client.
The invention has the advantages that, sell ' reward voucher ', reward voucher exists ' code ' of the access given various commercial user's benefit.These codes allow client to visit these benefits via terminal or smart phone or any other suitable platform.The different function of at least three of being provided by reward voucher to be there is in the multi-functional requirement of term.
In an embodiment of the present invention, from the income of the sale of reward voucher a part by ' operator ' for the name of operator buy investment product, this operator has met KYC requirement.In controlled position or utilize controlled entity to buy this investment product technically.In this stage (supposing that client does not complete KYC process) of process, client has bought retail product and operator buys investment product.
After the initial sale of reward voucher, client can complete KYC process in controlled position.At one time, client agrees to individual details/information (such as, his Mobile Directory Number) of allowing operator to access him.Client can also must return personal identifier's (individual No. ID) from operator, and he/her can use personal identifier subsequently, replaces the KYC details that again must provide them everywhere.This is made an investment in and technically rests in operator's hand, but once complete KYC process, is just transferred (being transferred) to client.
After completing KYC process, when client buys reward voucher (and giving his individual No. ID) next time, again buy investment product with the name of operator, and then, this investment product is transferred automatically to client.It is so-called ' free in theory ' investment.It is ' free ' investment, because client has paid for some goods and provides some personal data.
The present invention is compared to having some advantage described in WO2009/019602.Such as, in the present invention, KYC and anti money washing location registration process difficulty is met in mode effectively.Particularly, a kind of approach must be found as follows financial investment product is supplied to client, which be rapidly, be easy to and attract clients, when there is no expensive training and technology with regard to the time for realizing or technical difficulty with regard on retailer leicht fallen D/A and do not destroy regulation rule (it opposes the FMCG channel of the sale being used to investment).
By contrasting with the process described in WO2009/019602, in the present invention, buy investment product once generation reward voucher by operator, and KYC process only needs every client to perform once.In WO2009/019602, typically, often a KYC process must be performed by reward voucher/investment product.
Accompanying drawing explanation
Will by way of example, further describe the present invention with reference to accompanying drawing, in the accompanying drawings:
Fig. 1 illustrates the schematic diagram for the multi-functional reward voucher used together with system according to an embodiment of the invention;
Fig. 2 illustrates according to an embodiment of the invention for the schematic block diagram of the multi-functional reward voucher and the system making this multi-functional reward voucher come into force that generate Fig. 1;
Fig. 3 is the schematic block diagram of the multi-functional coupon server shown in Fig. 2;
Fig. 4 is the schematic block diagram of the data structure provided in main coupon data storehouse shown in figure 2;
Fig. 5 be for generate multi-functional reward voucher shown in Figure 1, the schematic block diagram of ' point of sale ' (POS) terminal shown in figure 2;
Fig. 6 illustrate for realize embodiments of the invention, the overview of step that performs at the POS terminal place of Fig. 5;
Fig. 7 illustrate for realize embodiments of the invention, the overview of step that performs at the coupon server place of Fig. 3;
Fig. 8 illustrate realize in the system by Fig. 2 ' know the overview of step performed in your client (knowyourclient) ' (KYC) process;
Fig. 9 illustrates the overview of the step performed in the 3rd function electrical stimulation process realized in the system by Fig. 2; And
Figure 10 illustrate for realize embodiments of the invention, the overview of step that performs at coupon server place.
Embodiment
Present description embodiments of the invention.See figures.1.and.2, the present embodiment is for system 1, and system 1 is arranged to and generates and redeem multi-functional reward voucher 10.Reward voucher 10 provides on it (typically via printing) unique identifier (also referred to as unique coupon identification symbol) 12, generates unique identifier as required when creating reward voucher 10.While describing physics reward voucher 10 in this embodiment, it being understood that in another embodiment, reward voucher 10 can Electronically be generated and can be given client via electronics transmission, such as, reside on the mobile device (such as smart phone) of client.
Get back to the reward voucher 10 of physical print, reward voucher 10 also comprises the section 14 of the information for providing the first function (currency such as, for the follow-up purchase of cargo destined or service reduces (without currency)) about reward voucher 10.In this, reward voucher 10 can be bought, to seek the benefit of the first function for this first function separately.But multi-functional reward voucher 10 also causes having further purposes due to the further functional of it.Simultaneously another function of reward voucher 10 provides attorneyship function to client together with the first function.In order to make client benefit from attorneyship function, require and stricter mutual of client, this is unaccommodated for FMCG environment.The example of attorneyship function can be such as require the financial investment function mutual with the KYC of client.
Attorneyship function is not described in detail on reward voucher 10, but the things triggered by the generation of reward voucher 10.Carry out agents power function by the operator of system and without the need to require client experience stricter mutual (such as, KYC process), and correspondingly, the process buying reward voucher 10 can relatively rapidly be completed, it is made to be suitable for the POS terminal transaction in unsafe position.
Reward voucher 10 also has the information that the second function information section 16, second function information section 16 sets about second function that how can perform reward voucher 10 about client.In a non-limiting embodiments, the second function can be prize drawing, and client can by selecting the number be imported in prize drawing to participate in this prize drawing.In this case, to be user-selectedly also printed on reward voucher 10 as user-selected option one 8 for the number of drawing a lottery.In different embodiments of the invention, can adopt also for client provides other second functions of excitation.
Finally, reward voucher 10 has section 20, and section 20 is for providing the information of the 3rd function about multi-functional reward voucher 10.The example of the 3rd function can be another incentive functions, if to participate in required by attorneyship function in the stage afterwards stricter mutual for client, then can utilize this another incentive functions.Such as, when client is utilizing financial investment function, requiring the required KYC process being linked to financial investment function.In this non-restrictive example, as the return of the financial investment product be associated to transfer or replacement, client must provide their individual details, and the financial investment product that this is associated was bought before operator is under attorneyship when generating multi-functional reward voucher 10.
Fig. 2 illustrates in greater detail the system 1 of the present embodiment.This system is included in the position 24 of non-security unmanaged system the multiple different POS terminal 22 provided.The POS terminal 22a of the first kind can realize first and second functional in single terminal.The POS terminal 22b of Second Type only can realize the functional of the first kind, and in the position 24 of non-security unmanaged system, provides the second function terminal 26.But although (as described in detail) can perform the functional of POS terminal 22 place below in a different manner, the result for client and system operator is identical.
Each in POS terminal 22 and the second function terminal 26 is connected to multi-functional coupon server 30 via communication network 28, and multi-functional coupon server 30 controls the functional of the multiple functions be associated with reward voucher 10.Coupon server 30 not only can relate to the generation of multi-functional reward voucher 10, and when it functional subsequently by use time, also relate to the certification of reward voucher.The operation of coupon server 30 is hereinafter described in more detail.But, in order to perform its certification to multiple functions of multi-functional reward voucher 10, provide the database that three are different: main coupon data storehouse 32, the investment product database 34 bought and personal information database 36.The unique identifier 12 of that main coupon data storehouse 32 generates when being stored in the establishment of reward voucher 10, each multi-functional reward voucher.It also stores the further information belonging to following function, and these functions are associated with reward voucher 10, and reward voucher 10 makes coupon server 30 to administer and controls the difference in functionality that is associated with multi-functional reward voucher 10.
Coupon server 10 is also arranged to via communication network 28 and cooperates from being configured to provide the different private servers of the single function of tonic chord.With regard to attorneyship function, provide via the addressable attorneyship server 38 (in this embodiment, service on investment device 38) of communication network 28.Attorneyship server 38 also has weighs database 40 as the product of the main body of attorneyship function or the local agent of service.In this embodiment, local data base 40 comprises investment product database 40, and investment product database 40 has multiple different investment product within it, and each investment product has their unique investment product numbers 42.Preferably, the investment bought is miniature investment, because reward voucher price can be kept quite low (such as, one dollar) and amount of investment can be confirmed as being less than one dollar.
Multi-functional coupon server 30 also communicates with the second function server 44 via communication network 28.The second functional database 46, second functional database 46 that second function server 44 also has provided correspondence stores multi-functional unique reward voucher ID and the second function user selection 18 within it.In non-restrictive example, the second function can be prize drawing weekly, and the second function server 44 is for selecting weekly random prize-winning number and announce this number.Finally, the second function server 44 by store in its second functional database any prize-winning reward voucher unique ID number 12 and buy reward voucher 10 time by customer selecting number.Correspondingly, the second function server 44 can also be used to verify really getting any prize.But, as will be described in more detail below, perform and any interface got from client via multi-functional coupon server 30.
3rd function server 48 and the second function server 44 operate similarly, and also namely with coupon server 30, it also communicates that the provide on reward voucher 10 the 3rd function is supplied to the client having reward voucher via communication network 28.The 3rd functional database the 50, three functional database 50 that 3rd function server 48 also has provided correspondence stores multi-functional unique reward voucher ID and the 3rd function user selection (being described further below).In non-restrictive example, the 3rd function can be prize drawing monthly, and the 3rd function server 48 is for monthly selecting random prize-winning number and announce this number.The same with the second function server 44, the 3rd function server 48 by store in its 3rd functional database 50 any prize-winning reward voucher unique ID number 12 and buying in the time after multi-functional reward voucher 10, for the different position of POS terminal 22, perform with during client stricter mutual by numbers 52 of customer selecting.As a result, the 3rd function server 48 can be used to verify relevant to the 3rd function, really getting any prize.But, as will be described in more detail below, perform and any interface got from client via multi-functional coupon server 30.
Fig. 2 also illustrates the strict interactive terminal 54 and the 3rd function terminal 56 that all provide at safety/controlled position 58 place.Safety/controlled position 58 is following places, in this place, the operator of strict interactive terminal 54 will be as operator, this operator be trained to assessment and determine needed for the attorneyship function that client realizes reward voucher, with the stricter mutual authenticity of client.In non-limiting embodiments, home can be bank or post office, and stricter can be alternately client use legally acceptable file to prove their identity.
3rd function terminal 56 can be only lottery terminal, once client to have completed required by attorneyship function stricter mutual, they just can with this terminal interaction to select their such as to draw a lottery number and to make these be imported in system 1 for prize drawing monthly.In order to qualified use the 3rd function, need the stricter result obtaining affirmative alternately from using terminal 54 to perform by the operator trained.The 3rd function terminal 56 is not needed to be provided in safety/controlled position 58, but in this embodiment, proximity is favourable, because it is stricter alternately and then more immediately in the excitation provided via the 3rd function terminal 56 that it makes client to complete, and without the need to must another location be advanced to.
Describe overall system 1, describe multi-functional coupon server 30 in more detail referring now to Fig. 3.Coupon server 30 comprises communication module 60, attorneyship product module 62, stricter interactive information module 64 and main reward voucher processing module 66.Communication module 60 is arranged to and communicates with Servers-all 38,44,48 with all terminals 22,54,56, to perform multiple functions of reward voucher 10.Attorneyship product module 62 be configured to by with attorneyship server 38 and attorneyship database 40 buy attorneyship product alternately.In this embodiment, attorneyship product module 62 is configured to buy investment product from investment product server 38 and investment product database 40.Investment product numbers 42 is only returned to bought investment product database 34 by the purchase of investment product, and the operator by system initially holds by the title (title) of this product.Subsequently, once client has completed required mutual in detail in safety/controlled position terminal 54, this title has transferred to client.
Stricter interactive information module (also referred to as KYC personal information module) 64 is only the module being arranged to the individual details to record client in the KYC process performed via home terminal 54 that to cooperate with personal information database 36.If they complete more strict mutual at home terminal 54 place, then KYC personal information CMOS macro cell is transferred to unique Personal Identification's symbol (shown in Figure 4---discuss afterwards) of client.KYC personal information module comprises personal identifier's generation module (not shown).But subsequently, this unique Personal Identification symbol can advantageously be used as, with reference to the personal information stored before searching, replacing again re-entering the whole of the individual details of client.
Main reward voucher processing module 66 is arranged to the general function of control coupon server 30 and manages the whole difference in functionality be associated with multi-functional reward voucher 10.More specifically, the detail records that each unique coupon identification that main reward voucher processing module 66 maintenance generates accords with and the information that is associated relevant to this reward voucher in main coupon data storehouse 32.Preferably, unique coupon identification symbol generator 68 is positioned in main reward voucher processing module 66, because this is safest realization for generating coupon identification symbol and mode.In addition, when the coupon identification symbol generated before utilizing upgrades master data base, this requires less communication in the long run.But, in already mentioned alternative embodiment before, such substitute mode may be there is, namely the multiple this locality provided in each POS terminal 22 unique coupon identification symbol generator is provided.
The record of the whole reward vouchers 10 sent remains in main coupon data storehouse 32 by main reward voucher processing module 66, and when reward voucher 10 is sought to redeem, before the rights and interests of reward voucher 10 are supplied to client by mandate, main reward voucher processing module 66 checks to determine (namely whether this reward voucher 10 be used effectively, within the date of expiration of reward voucher 10, only for allowed goods/services and only for allowed number of times (usually only once)).In this, main reward voucher processing module 66 can receive reward voucher via communication module 60 from any POS terminal 22 and redeem request.Main reward voucher processing module 66 also controls for second and the 3rd each instruction in function server 44,48 and attorneyship server 38 to realize the functional of multi-functional reward voucher 10.
Referring now to Fig. 4, the schematic diagram of the information stored in master data base 32 is shown.For generated each unique ID (reward voucher ID) 10a, 10b, the list of the information linked is provided in master data base 32.This information comprises variable 18a, the 18b of the second function selection, the use field 70a, the 70b that indicate whether to use (redemption) reward voucher 10a, 10b and attorneyship product identifiers field 42a, 42b (in this embodiment, it is bought investment product identifier field), attorneyship product/service that attorneyship product identifiers field 42a, 42b obtain representing client with link together from its reward voucher 10 triggering this acquisition.The list of the information linked can also comprise variable 74a, 74b that the 3rd function is selected details and in addition about some effective informations of the redemption of reward voucher, such as, the reward voucher date 76a, 76b, this effective information can be used to check redeem just occur in section effective time during.Finally, master data base 32 also stores the result 78 of the second function and the result 80 of the 3rd function, as a result 78 and result 80 be received from second and the 3rd function server 44,48 respectively.Main reward voucher processing module 66 can use these results to confirm pay can with second and the 3rd the prize that is associated of function and the reception of this result be stored to prevent from further swindling getting.
Referring now to Fig. 5, POS terminal 22 comprises the some modules for relatively rapidly performing the process generating multi-functional reward voucher in FMCG environment.Display/data input small keyboard 82 is provided for and allows client to see next to require which step to buy reward voucher 10 (or if completely automatically POS, then enable full user interactions) from POS terminal operator.Display can be that touch-screen is to make user interactions easier.Scanner 84 is also provided to make not only goods to be scanned and to identify for purchase, and such as when terminal 22 be just used to redeem reward voucher 10 time, also make reward voucher 10 also can be scanned and they unique ID number 12 can read by terminal 22.Printer 86 is also provided to make once client has carried out paying or having have purchased some goods/services (wherein the sale of reward voucher 10 has been included in price) for multi-functional reward voucher 10, can at POS terminal 22 place for client's print on demand goes out multi-functional reward voucher 10.These elements whole all with POS processor module 88 interface, POS processor module 88 is for collecting information from keypad 82, scanner 84 and data are sent to printer 86.The product of each type of selling has the unique Product number stored in product/coupon data storehouse 90, and product/coupon data storehouse 90 is also coupled to POS processor module 88.Whether database 90 sale also stored about the product of certain type produces the information of the establishment of multi-functional reward voucher 10.If reward voucher 10 is associated with the type of the product that will perform, then this supports the automatic generation of reward voucher 10.
Each terminal 22 also has communication module 92, and communication module 92 is for communicating with coupon server 30 via communication network 28.This is not only very important for generating reward voucher (the unique ID generator 68 in the main reward voucher processing module 66 of wherein coupon server 30 generates unique ID number 12), and when reward voucher 10 is redeemed or any function in its function is sought to use, also very important.In an alternate embodiment, local unique ID generator 94 may be provided in POS processor module 88, replaces in main reward voucher processing module 66.Benefit and the shortcoming of the method are discussed elsewhere.
With reference to Fig. 6, illustrate for realize embodiments of the invention, the overview of process 200 that performs at ' point of sale ' (POS) terminal 22 place.This process 200 is described from user interactions aspect, but is understandable that, this process combines and realizes this process by the technical process of needs and function.One skilled in the art will know that the specific implementation process that may be used for user interactions to try out, and no longer anyly hereinafter describe these in more detail.
Exist for two of client activation multi-functional reward voucher 10 generating process 200 different approach.First approach is included in step 202 place client and initiatively determines to buy multi-functional reward voucher 10.This can only ask multi-functional reward voucher 10 to the operator of POS terminal 22 by client and realize at POS terminal 22 place, such as, at supermarket check out counters place.Second approach comprises client and buys product or service at POS terminal place, and this product or service have the multi-functional reward voucher 10 be associated with it, as determined by checking POS terminal 22 addressable product/multi-functional coupon data storehouse 90 in step 204 place.As fruit product/service code (typically being the form of the bar code scanned in product) does not have corresponding multi-functional reward voucher 10 (as determined by checking product/multi-functional coupon data storehouse 90), so this process terminates in step 206 place.
Once client has determined to buy multi-functional reward voucher 10 or existed to buy be associated multi-functional with their goods/services, so activate the generation of multi-functional reward voucher 10 in step 208 place.
Presented the option whether using the personal identification number's (individual No. ID) be associated with client to client by POS terminal 22 in step 210 place, wherein the generation of personal identification number describes in more detail with reference to Fig. 8.In this stage of multi-functional reward voucher 10 purchase process or in the stage much earlier or later, this option can be presented to client.If client do not have individual No. ID or really have individual No. ID but do not wish use (at that time), then they do not input individual No. ID at that time, as determined in step 212 place.If as determined in step 214 place, client wishes individual No. ID that uses them really, then in step 214, they can provide in a number of different ways.Such as, it can manually be input on the keypad at POS terminal 22 place by client, or the application (this application is sent to POS terminal 22 by individual No. ID) activated on client mobile phone, or individual No. ID is presented on can by the scanner scanning of POS terminal 22, on the screen of mobile device.These methods are advantageously low costs, and do not hinder the extensibility of the present embodiment.The substitute mode with the higher equipment cost be associated with it is, the bio-identification of individual's No. ID fingerprint or iris being also bound to the client of storage represents, and POS terminal 22 only can require that user is scanned to obtain individual No. ID of the identity proving them by bio-identification.
Preferably, after having presented in step 210 place the option whether using individual No. ID to client, in step 216 place to client present (that is, at POS terminal 22 place) they now whether be ready to provide the option of their the second function details.
If as determined in the step 216, at this moment client wants the second function details inputting them really, then as indicated in step 218 place, this system can accept the second function details inputted in a number of different ways.Such as, details can manually be input in the keypad at POS terminal 22 place by client, or client can activate the application (this application will be sent to POS terminal 22 the second function details) on client's mobile phone, or the second function details are presented on can by the scanner scanning of POS terminal 22, on the screen of mobile device.The non-restrictive example of the second function details can be for the first prize drawing (the first short-term multi input event) by customer selecting number.In another embodiment, even existence is used for the option that POS terminal 22 is this second performance data of client's Stochastic choice.
Once input the second function details of client in step 218, then be sent to coupon server 30 in these details of step 220, at coupon server 30 place, they are stored in main coupon data storehouse 32, and generate unique coupon identification symbol (unique ID number) 12 in step 220.(namely unique ID number 12 locally can generate by local unique ID number generator, at POS terminal 22 place), in this case, in time after a while, it is sent to coupon server 30, at coupon server 30 place, it is stored in main coupon data storehouse 32.This advantage is, it allows reward voucher 10 generation with unique ID number 12 to be executed very quickly.But with regard to security, it may be more fragile that local unique ID number generates.Alternatively, unique ID number 12 remotely can be generated (that is, it is in certainly at coupon server 30) and is stored in main coupon data storehouse 32 by the unique ID number generator in main reward voucher processing module 66.This advantage is, it allows this step to be performed very safely.But compared with generating with local unique ID number, long-range unique ID number generates may be slower, and the processing time that reward voucher 10 may be made to generate is longer.
This process continues, and is wherein linked to the second function details in step 220 place unique ID number 12 and is also linked to alternatively individual No. ID (if being transfused to).Before details are sent to coupon server 30 locally, or once just receive whole details at coupon server 30 place remotely, the link of these details can be performed.
Then multi-functional reward voucher 10 is generated in step 224 at POS terminal 22 place.Multi-functional reward voucher 10 preferably includes details and the second function details (and also comprising individual No. ID alternatively, if be transfused to) of unique ID number 12.Then in step 226, multi-functional reward voucher 10 is supplied to client, it is any functional that client can use in it multiple functional.
If as determined in step 216 place, client does not want the second function details inputting them, then generate unique coupon identification symbol (unique ID number) 12 in step 228.(namely unique ID number 12 can be come locally by the unique ID generator in this locality, at POS terminal 22 place) generate, in this case, in time after a while, it is sent to coupon server 30, at coupon server 30 place, it is stored in main coupon data storehouse 32.This advantage is, it allows reward voucher 10 generation with unique ID number 12 to be executed very quickly.But with regard to security, it may be more fragile that local unique ID number generates.Alternatively, unique ID number 12 remotely can be generated (that is, it is in certainly at coupon server 30) and is stored in main coupon data storehouse 32 by the unique ID number generator in main reward voucher processing module.This advantage is, it allows this step to be performed very safely.But compared with generating with local unique ID number, long-range unique ID number generates may be slower, and the processing time that reward voucher 10 may be made to generate is longer.
Then multi-functional reward voucher 10 is generated in step 230 at POS terminal 22 place.Multi-functional reward voucher 10 preferably includes the details (and also comprising individual No. ID alternatively, if be transfused to) of unique ID number 12.Then in step 232, multi-functional reward voucher 10 is supplied to client, it is any functional that client can use in except the second function, it multiple functional, and the second function can only be transfused in the second function details and could have been visited by client after being associated with the unique ID number 12 of this multi-functional reward voucher.
In step 234 place, present them to client and whether be ready that at this moment (that is, receive any time after multi-functional reward voucher 10) provides the option of their the second function details.
If as determined in step 236 place, at this moment client does not think input second function details, and so they are non-essential and still can to access other of multi-functional reward voucher 10 functional.
If as determined in step 234 place, client thinks the second function details at this moment inputting them really, so as determined in step 238 place, the reward voucher 10 of client will be scanned in any suitable manner/be read to obtain the unique ID number 12 of the multi-functional reward voucher 10 of client.Once obtain the unique ID number 12 of the multi-functional reward voucher 10 of client, it just can be sent to coupon server 30, and at coupon server 30 place, the details of multi-functional reward voucher 10 can accessed and transmission.
This system can accept the second function details of the client inputted in a number of different ways.Such as, details can manually be input in the keypad at POS terminal 22 place by client, or client can activate the application (this application will be sent to POS terminal 22 the second function details) on client's mobile phone, or the second function details are presented on can by the scanner scanning of POS terminal 22, on the screen of mobile device.The non-restrictive example of the second function details can be for the first prize drawing (the first short-term multi input event) by customer selecting number.In another embodiment, even existence is used for the option that POS terminal 22 is this second performance data of client's Stochastic choice.Once input the second function details of client in step 240, be just sent to coupon server 30 in these details of step 242, at coupon server 30 place, they are stored in main coupon data storehouse 32.
This process continue, step 242 place unique ID number 12 and the second function details be linked to each other with individual No. ID (if being transfused to).Before details are sent to coupon server 30 locally, or once just receive whole details at coupon server 30 place remotely, the link of these details can be performed.
Then generate in step 244 place (preferably at POS terminal 22 place) and receive, and this reception preferably includes the second function details and also comprises unique ID number 12 (and also comprising individual No. ID alternatively, if be transfused to) alternatively.Then be provided to client in this reception of step 244, client can access the second function of multi-functional reward voucher 10 now.
With reference to Fig. 7, illustrate for realize embodiments of the invention, the overview of process 246 that performs at ' server ' place.
As described above, during multi-functional reward voucher 10 generating process at POS terminal 22 place, generate unique ID number 12 at POS terminal 22 place or at coupon server 30 place, and unique ID number 12 is associated with this specific multi-functional reward voucher 10.This unique ID number 12 is optionally transmitted to coupon server 30, and coupon server 30 receives the notice of the generation of new unique ID number 12 in step 248.(namely unique ID number 12 also remotely can generate by the unique ID number generator in main reward voucher processing module, at coupon server 30, it is in certainly), in this case, coupon server 30 has had the details of the unique ID number 12 for specific multi-functional reward voucher 10.Unique ID number to be stored in step 250 in the new record in main coupon data storehouse 32 by coupon server 30.
Then attorneyship product or service can be bought based on attorneyship from attorneyship server 38 in step 252 operator.In this embodiment, attorneyship product is investment product.Then in step 252, be in main coupon data storehouse 32 at coupon server 30, this investment product is linked to stored unique ID number 12.Operator completes ' knowing your client ' (KYC) processes and the purchase investment product that therefore qualifies.In this stage of process, investment product had by operator completely.The entitlement of investment product from operator transfer to client only can the 3rd of multi-functional reward voucher (KYC) is functional completed by client time just occur.
Then inspection is performed to check the second functional details whether receiving and be associated with this unique ID number 12 in step 254 at coupon server 30 place.If do not receive the second function details, then do not continue this process, until receive them, as indicated by step 256.If the multi-functional reward voucher for client has received the second function details, then in step 258, at coupon server 30, they are stored in main coupon data storehouse 32, and this some place in this process, or in the stage much earlier or later, the second function details (and being linked to individual No. ID, if be transfused to) are linked in this unique ID number 12 of step 258.
Then inspection is performed to check individual No. ID that whether inputs and be associated with unique ID number 12 in step 260 at coupon server 30 place.If do not input individual No. ID that is associated with this unique ID number 12, then present individual No. ID and experienced the option (see Fig. 8) of the step of KYC of input in step 262 to client.
If client has not thought KYC, then this process has stopped, as indicated by step 264.If client has thought KYC really, so they have needed to access controlled position 58 so to do, as (see Fig. 8) indicated by step 266.
If input individual No. ID by client, then use individual No. ID details retrieving client of client in step 268 coupon server 30.Then be linked to individual No. ID of client in step 270 investment product, and this at coupon server 30 place or can perform in any suitable manner.
Once link these details, just can be transferred in this investment product of step 272 and there is this client of individual No. ID.Therefore in this stage of process, the entitlement of investment product transfers client from operator.Step 274 coupon server 30 place investment product details be stored in main coupon data storehouse 32 to the individual No. ID relevant account of client.Then in step 276 to customer notification investment product details.
With reference to Fig. 8, the overview of the more complicated process 278 ((KYC) processes in this embodiment, ' to know your client ') for realizing embodiments of the invention is shown.This process 278 is described from user interactions aspect, but is understandable that, this process combines and realizes this process by the technical process of needs and function.One skilled in the art will know that the specific implementation process that may be used for user interactions to try out, and no longer describe any more detailed details hereinafter.
The stage (that is, step 266) that Fig. 8 client from Fig. 7 has the option of the step having experienced KYC continues.KYC process only can be performed by people that is titular or that trained in the related art.Therefore, usually perform KYC process at controlled/home place, but can make in other place.Therefore client will typically enter controlled position 58 to complete KYC process, as indicated by step 280.
Present the option of the 3rd function (that is, winning the entitlement (by completing KYC process) of investment product) using multi-functional reward voucher 10 to client in step 282.If client does not wish to use the 3rd function now, so they exit, as step 284.If client wishes to use the 3rd function now really, but had individual No. ID as in step 286, then they cannot advance further in this process, because KYC process only should be performed once, and they should terminate this process, as indicated by step 286.Being that client forgets/lose the situation of their individual No. ID to this exception, in this case, when presenting their individual details, can notifying to them.But in this case, for the 3rd function electrical stimulation, they will not have qualification, because they already have an opportunity to use.
If client wishes to use the 3rd function (in step 282) now really, and according to the inspection in step 288, not yet there is individual No. ID, then client will present their multi-functional reward voucher 10, thus can read/scan it in any suitable manner in step 290, to obtain the unique ID number 12 of the multi-functional reward voucher of client.Once obtain the unique ID number 12 of the multi-functional reward voucher 10 of client, it just can be sent to coupon server 30, and at coupon server 30 place, the details of multi-functional reward voucher 10 can accessed and transmission.
Then in step 292 client, their individual details are supplied to titular people, check that the details of client are to check that whether this client is qualified for investment product in this people of step 294.In certain official register, be shown as the personnel of serious debt by the example of the client do not qualified.If the individual details deficiency of client and/or client do not meet the requirement of KYC process, then stop in this process of step 296.
If the individual details of client are enough to the requirement by KYC process, are then sent to coupon server 30 in the unique ID number 12 of step 298 client and admitted KYC details and are linked to each other in step 298.Once client is by KYC process, just individual No. ID and make individual No. ID to be associated with this client can be generated in step 300.Preferably generate this individual No. ID at coupon server 30 place, and be then linked in step 300 this individual No. ID unique ID number 12 be associated with the multi-functional reward voucher 10 of client, and can also be linked in step 300 this individual No. ID investment product be associated with this unique ID number 12.
Once link these details, just can be transferred in this investment product of step 302 and there is this client of individual No. ID.Therefore in this stage of process, the entitlement of investment product transfers client from operator.Step 304 coupon server 30 place investment product details be stored in main coupon data storehouse 32 to the individual No. ID relevant account of client.Then in the details of step 306 to their investment product of customer notification.
Referring now to Fig. 9, the overview of the process 310 (the 3rd function electrical stimulation process) for realizing embodiments of the invention is shown.This process 310 is described from user interactions aspect, but is understandable that, this process combines and realizes this process by the technical process of needs and function.One skilled in the art will know that the specific implementation process that may be used for user interactions to try out, and no longer describe any more detailed details hereinafter.
Fig. 9 continues from the step 308 of the ending of Fig. 8, and wherein client has completed KYC process and therefore qualified for the 3rd function of multi-functional reward voucher 10.As the excitation completing KYC process, be provided to the additional benefits of client as multi-functional reward voucher 10 in step 312 second prize drawing (the second short-term multi input event), that is, present the option of use the 3rd function electrical stimulation in step 312 to client.If client does not think use the 3rd function electrical stimulation, so this process stops, as denoted by step 314.
If client wants use the 3rd function electrical stimulation really, so input their the 3rd function electrical stimulation details in step 316 client.3rd function electrical stimulation details can be provided in a multitude of different ways.Such as, details can manually be input in the keypad at controlled position 58 place by client, or client can activate the application (this application will be sent to controlled position 58 the second function details) on client's mobile phone, or the 3rd function electrical stimulation details are presented on can by the scanner scanning of controlled position 58, on the screen of mobile device.The non-restrictive example of the 3rd function electrical stimulation details can be for the second prize drawing (the second short-term multi input event) by customer selecting number.In another embodiment, even existence is used for the option that controlled position 58 is this second performance data of client's Stochastic choice.
Once input the 3rd function electrical stimulation details of client in step 316, these details are just sent to coupon server 30, at coupon server 30 place, they to be stored in main coupon data storehouse 32 in step 318 and to be linked in the unique ID number 12 of step 318 and client and individual No. ID.Can in diverse location (that is, at controlled position 58 place or at coupon server 30 place) perform the link in step 318 place of these details.
The confirmation that the 3rd function electrical stimulation details have been uploaded to coupon server 30 is received in step 320.Then generate in step 322 place (preferably at controlled position 58 place) and receive, and this reception preferably includes the 3rd function electrical stimulation details and also comprises unique ID number 12 (and also may comprise individual No. ID) alternatively.Then be provided to client in this reception of step 322, client can access the 3rd function electrical stimulation of multi-functional reward voucher now.
With reference to Figure 10, illustrate for realize embodiments of the invention, the overview of the process 324 at ' server ' place.
As described above, present the option of use the 3rd function electrical stimulation in step 326 to client, and in this case, determine use the 3rd function electrical stimulation in step 326 client.As described above, during multi-functional reward voucher 10 generating process at POS terminal 22 place, generate unique ID number 12 at POS terminal 22 place or at coupon server 30 place, and unique ID number 12 is associated with this specific multi-functional reward voucher 10.
Then inspection is performed to check the 3rd function electrical stimulation details whether receiving and be associated with this client in step 328 at coupon server 30 place.If as do not received the 3rd function electrical stimulation details step 330 place, then this process is not advanced, until receive them.
Once as received the 3rd function electrical stimulation details step 332 place, then in step 332, at coupon server 30 place, they are stored in main coupon data storehouse 32, and this some place in this process, or in the stage much earlier or later, be linked to the 3rd function electrical stimulation details in this unique ID number 12 of step 332 and be preferably also linked to individual No. ID.Then receive from coupon server 30 confirmation that the 3rd function electrical stimulation details have been uploaded to coupon server 30 in step 334.
Then generate receipt in step 336 place (preferably at controlled position 58 place), and this receipt preferably includes the 3rd function electrical stimulation details and also comprises unique ID number 12 (and also may comprise individual No. ID) alternatively.Then be provided to client in this receipt of step 336, client can access the 3rd function electrical stimulation of multi-functional reward voucher 10 now.
Present description is based on the further embodiment of the use to system 1 described above.Client buys the trade premium certificate/ticket of not investment product point of purchase place (using system terminal 22).This makes it possible to buy this reward voucher at various not controlled position 24 place.This reward voucher has at least one the commercial user's benefit be associated with it, such as, and goods or the discount of serving.This purchase relates to user with way selection one group number similar with the mode of raffling or draw a lottery, and this reward voucher is to the active input in this prize drawing.This reward voucher also comprises the right of the title had in following investment, to belong to following client personal data right non-exchange through money in, title in this investment is transferred to reward voucher holder, and this client experiences the client that only disposable KYC (knowing your client) processes and completes.
System terminal is one in the many such terminal all linked with coupon server 30 and the database that provides at coupon server 30 place.These parts form this system.
Operator's (being called hereinafter ' operator ') of this system uses the certain proportion of the income of the sale from trade premium certificate (its 100% belong to operator) immediately, buys certain investment/financial product described from the bank that third party or other specify.In this stage of process, the investment/financial product bought (it can be many dissimilar) 100% belongs to operator.
Buy the reward voucher holder (client) of this reward voucher---its number (he selects when buying this reward voucher or after he buys this reward voucher) oneself selected is input automatically to (and it can occur with the frequency of rule (such as weekly)) in the prize drawing be associated with this reward voucher.Then client's selection of having an opportunity enters second (being separated technically) transaction, and the second transaction provides further input in prize drawing, thus provides the further chance of winning prize.He also can select not enter this second transaction, abandons any further prize or investment, and merely this reward voucher is used for commercial object, such as, and the multiple intrinsic benefit provided by this reward voucher.
Second transaction involves reward voucher holder and gives operator's access and the right using his valuable personal data, as return, operator give his investment/financial product and input in the prize drawing be associated selected by him number, that is, get the right of prize drawing.This second exchanges data transaction-based requirements reward voucher holder only presents himself to complete KYC process in first time in bank or other controlled place places.As the result of this process, reward voucher holder from following system acceptance unique identifier (unique ID), this system make he subsequently can identify by system.This location registration process for this investment/financial product can occur at any time, until sold this reward voucher or predetermined several months of the initial prize drawing relevant to this specific coupon has occurred.No matter whether the reward voucher of holder is the reward voucher of winning prize, this can occur.If the reward voucher of reward voucher holder is the reward voucher of winning prize, then he also obtains prize from initial draw.
No matter when and anywhere this client will buy new reward voucher in future, to obtain investment/financial product and to receive further prize (if they win prize really) by participating in the second transaction, he does not need to repeat this KYC process at place of bank.But when he makes purchase, he only must use unique ID (when he successfully completes KYC process, operator gives him this).This title allowing operator automatically to cause use " freely " to invest exchanges the second transaction data of client being used for target market object.
In fact, the investment (with to any right of prize being linked to those investments) that the operator of this system has had with them exchange find and complete anyone of KYC process present and following, about the access of the personal data of client.
Use unique ID when buying reward voucher, this permission promptly proceeds to investment stage with the elapsed time that " technically " is short, is somebody's turn to do " technically " short elapsed time permission operator and represents its oneself purchase investment and then it transferred to client.
If unique ID that the client of KYC forgets him when next time is bought, then he can provide retrospectively he ID and second transaction will after a while occur---namely, in he lifelong, he still only must participate in KYC process once, unless his situation changes and his needs to change the KYC details telling him.
In fact, complete KYC process only disposable opportunity and on each opportunity afterwards, operator is the existing customer of bank, and the title in certain investment/financial product described is transferred to (it belongs to operator) another client of the bank of the supplier as this investment by it.This gives the return of the non-currency right of operator as client and performs, and however, non-currency right is highly valuable for data access and use right.
First benefit is free and is the part of reward voucher self, reward voucher carries the brand of a retailer or multiple retailer or manufacturer, and when presenting this reward voucher and shut down voucher (save money (discount) voucher), this reward voucher specifies retailer place to be discount chance at some.
Second benefit is for free in the meaning not requiring further exchange through money, but the second benefit has to have the right to exchange form, the valuable exchange of the data that " freely " for those clients following invests, wherein the first time such as these clients any other information of using this reward voucher and KYC (investment product) usually to require is experienced in bank of partner or controlled place and completes KYC.
3rd free benefit is by the qualification number be input in next prize drawing of tightly following this sale of the Stochastic choice of client.But this client cannot get prize, unless he has performed the second bonus benefit that required behavior is invested to receive " freely ".After following prize drawing, he can perform the behavior of this requirement to receive investment, and for this prize drawing, number qualifying of his Stochastic choice becomes the part that prize selects to process (first draws a lottery).
4th bonus benefit enters the second chance of the second prize drawing on the date afterwards, but this chance completes KYC by only can be used for and receives those clients of their free investment.(above) the 3rd bonus benefit be that the chance of each reward voucher once property enters prize drawing, and the 4th bonus (second prize drawing) by involve belong to following client, in a given time period (such as, every 3,6 or 12 months) whole reward vouchers of selling, wherein this client had completed complete KYC before this second prize drawing (the second prize drawing).
Only in order to illustrate that object of the present invention describes above embodiment of the present invention, and the present invention should not be construed as limiting the scope of the invention, and scope of the present invention is limited by claims.
Claims (17)
1., for sending and processing the multi-functional coupon processing system of multiple multi-functional reward voucher, described system comprises:
Multiple multi-functional reward voucher sends terminal, and it is provided at not controlled position;
Unique identifier generator, it is for generating unique identifier as required, and described unique identifier provides together with the multi-functional reward voucher sent; And
Central authorities' reward voucher processing server, it is located apart from described multiple terminal remote, but carries out data communication with described multiple terminal; Described central coupon server comprises:
Function of tonic chord processor, it is for the treatment of redemption that is relevant with the first function of described reward voucher, described multi-functional reward voucher;
Attorneyship function processor, it sends in response to described reward voucher, implements the purchase of longterm investment product based on attorneyship;
Personal information module, its for receive and store from the controlled position of safety, about the personal information of buyer;
Wherein, described function of tonic chord processor is arranged to the right accepting the personal information using described client, and in return gives described client by the subrogation in bought longterm investment product.
2. system according to claim 1, comprise master data base further, described master data base triggers the described unique identifier of the described reward voucher of the purchase of described longterm investment product and the details of described longterm investment product for storing, and described master data base is arranged to and described unique identifier and described investment product details is linked together.
3. system according to claim 1, wherein, described unique identifier generator is provided at described central reward voucher processing server place, and each reward voucher sends terminal is arranged to and communicates to send multi-functional reward voucher with described central reward voucher processing server.
4. system according to claim 1, comprise multiple unique identifier generator further, each generator is provided at reward voucher and sends end, and described reward voucher sends after terminal is arranged in sending of multi-functional reward voucher and the details of generated unique identifier is sent to described central reward voucher processing server.
5. system according to claim 1, wherein, described personal information module comprises personal identifier's generation module, described personal identifier's generation module is used for generating unique Personal Identification's symbol for following each different people, has wherein generated multi-functional reward voucher for described each different people.
6. system according to claim 1, wherein, described main coupon functionality processor is configured to receive the request for the second function of described multi-functional reward voucher, and manages the realization of described second function request.
7. system according to claim 6, wherein, the realization of described second function uses special second function server to perform, and described special second function server operationally can be connected to described central reward voucher processing server via communication network.
8. system according to claim 6, wherein, described main coupon functionality processor is configured to receive the request for the 3rd function of described multi-functional reward voucher, and manages the realization of described 3rd function request.
9. system according to claim 8, wherein, the realization of described 3rd function performs in response to providing of described personal information.
10. system according to claim 8, wherein, the realization of described 3rd function uses special 3rd function server to perform, and described special 3rd function server operationally can be connected to described central reward voucher processing server via communication network.
11. systems according to claim 1, wherein, described attorneyship function processor is arranged to buys described longterm investment from dedicated proxies power server, and described dedicated proxies power server operationally can be connected to described central reward voucher processing server via communication network.
12. systems according to claim 1, wherein, described longterm investment comprises the miniature investment product with the buying value being less than a dollar.
13. systems according to claim 1, wherein, described multiple reward voucher sends terminal and is arranged to and realizes described multiple function via same terminal.
14. systems according to claim 1, wherein, described multi-functional reward voucher sends terminal and comprises point of sales terminal.
15. systems according to claim 14, comprise the second function terminal being provided at non-security not controlled position further, the user that described second function terminal is used to catch for described second function selects and these users is selected to be sent to described central server, and does not cause described reward voucher to send delay in the POS function of end.
16. systems according to claim 1, comprise the security terminal being provided at the controlled position of safety further, described security terminal is used to catch personal information about described buyer from the evident information being presented to described security terminal, and for sending it to described central reward voucher processing server.
17. 1 kinds send and process the method for multiple multi-functional reward voucher, and described method comprises:
Generate unique identifier as required, described unique identifier provides together with the multi-functional reward voucher sent;
Multiple multi-functional reward voucher is sent in multiple not controlled position; And
Apart from multi-functional reward voucher described in the long-range central position process in described multiple not controlled position; Described process comprises:
Process redemption that is relevant with the first function of described reward voucher, described multi-functional reward voucher;
In response to sending of described reward voucher, implement the purchase of longterm investment product based on attorneyship;
Receive from the controlled position of safety and store the personal information about buyer; And
Accept the right of the described personal information using described client, and in return give described client by the subrogation in bought longterm investment product.
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| GB1220796.5 | 2012-11-19 | ||
| PCT/IB2013/060245 WO2014076684A2 (en) | 2012-11-19 | 2013-11-19 | Improvements relating to multifunction coupon processing systems |
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| CN105103179A true CN105103179A (en) | 2015-11-25 |
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| CN (1) | CN105103179A (en) |
| GB (1) | GB201220796D0 (en) |
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| WO (1) | WO2014076684A2 (en) |
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| CN113767607A (en) * | 2019-03-06 | 2021-12-07 | 赛诺菲 | Communication server and user equipment for verifying gift certificates |
Citations (1)
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| CN101790743A (en) * | 2007-08-03 | 2010-07-28 | 奥马尔科网络解决方案有限公司 | Dispose the system and method for multifunction transaction |
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| US7181416B2 (en) * | 2000-06-08 | 2007-02-20 | Blackstone Corporation | Multi-function transaction processing system |
| US20030104857A1 (en) * | 2001-12-05 | 2003-06-05 | Marcus Jenkins | Dual lottery, gaming and annuity system with guaranteed payoff |
| US20070060286A1 (en) * | 2005-08-16 | 2007-03-15 | Mark Sacks | System and method for progressive drawing-based promotions |
| US20090171753A1 (en) * | 2007-12-28 | 2009-07-02 | V C Karthic | Zero cost loyalty & consumer engagement program |
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2012
- 2012-11-19 GB GB201220796A patent/GB201220796D0/en not_active Ceased
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- 2013-11-19 KR KR1020157016460A patent/KR20150090146A/en not_active Application Discontinuation
- 2013-11-19 CN CN201380070921.9A patent/CN105103179A/en active Pending
- 2013-11-19 WO PCT/IB2013/060245 patent/WO2014076684A2/en active Application Filing
- 2013-11-19 SG SG11201503906QA patent/SG11201503906QA/en unknown
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101790743A (en) * | 2007-08-03 | 2010-07-28 | 奥马尔科网络解决方案有限公司 | Dispose the system and method for multifunction transaction |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113767607A (en) * | 2019-03-06 | 2021-12-07 | 赛诺菲 | Communication server and user equipment for verifying gift certificates |
| CN113767607B (en) * | 2019-03-06 | 2024-03-19 | 赛诺菲 | Communication server and user equipment for verifying gift certificates |
| US12047366B2 (en) | 2019-03-06 | 2024-07-23 | Sanofi | Communications server and user device for validating a token |
Also Published As
| Publication number | Publication date |
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| KR20150090146A (en) | 2015-08-05 |
| GB201220796D0 (en) | 2013-01-02 |
| WO2014076684A3 (en) | 2014-07-10 |
| SG11201503906QA (en) | 2015-06-29 |
| WO2014076684A2 (en) | 2014-05-22 |
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