CN1525370A - 传递、组织、以及兑换来自internet、交互式tv、无线电设备及其它电子装置的虚拟报价 - Google Patents
传递、组织、以及兑换来自internet、交互式tv、无线电设备及其它电子装置的虚拟报价 Download PDFInfo
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Abstract
公开了一种用于通过把该赠券和消费者用于兑换的信用卡相关联兑换虚拟赠券方法和系统。在公开的方法中,赠券数据库与消费者相关联以及与消费者的信用卡相关联。赠券报价被保存在该赠券数据库中,以及通过消费者对与消费者赠券数据库相关联的信用卡的使用来进行兑换。
Description
技术领域
本发明涉及用于通过把赠券和消费者用于兑换的信用卡相关联兑换虚拟赠券的方法和系统,特别涉及在公开的方法中,赠券数据库与消费者相关联以及与消费者的信用卡相关联。
背景技术
赠券是一种直销人员用于驱使客户到他们的商店的有效方法。赠券能够用于一个特有的商店或者一个特有的物品。使用赠券的难题可分为三个方面:1)传递、2)组织、以及3)兑换。
纸赠券是一种吸引新消费者的传统方法。在传统上,这些纸赠券是通过印刷媒体以及通过直接邮寄销售递交给消费者。印刷的纸赠券的递送对于销售人员来说是昂贵的,而且给定传统印刷媒体和直接邮寄列表的典型幅度,让销售人员把纸赠券的目标限定于那些最可能使用它们的目标也是困难的。除了承担印刷和递送报价(offer)的费用之外,销售人员还要承担训练在销售点(“POS”)处接收报价的人员的费用、人员在POS处输入赠券所花费的时间、存储纸报价的成本以及核查报价的费用。此外,还有一个与纸赠券的使用相关联的欺诈费用。
一旦该赠券被递送给消费者,则消费者剪辑或者选择纸赠券。对于消费者而言,组织纸赠券是困难和耗时的。消费者经常把他们的纸赠券放置在一个厨房抽屉或者其他无条理的容器中。该赠券时常在抽屉中而未被使用,并且最终到期了也未使用。因为让消费者查找所需要的赠券乃至记住他们拥有的能够适用于他们购买的赠券是困难的,所以他们经常不能兑换赠券。此外,消费者可能忘记带着他们的赠券去商店或者可能因为其他的原因没有随身带有这些赠券。总而言之,让消费者剪辑、组织、以及在POS处兑换这些纸赠券是困难的。
因为在线销售人员能够容易地从列表所有者中租用列表,并且通过大量的电子邮件发送把电子邮件报价发送给在列表所有者列表上的数以千计的消费者,所以在线销售变得越来越普遍。诸如通过电子递送一个赠券代码并且让消费者在在线支付页面处人工地输入代码,通过这些方法和系统递送的非纸赠券能够在在线商店处兑换而不需要印刷那些赠券。然而,对于砖和泥商人,消费者仍然留有必须制作和使用纸赠券的传统问题,诸如通过打印出电子递送的赠券报价。因此,消费者再次面临与纸赠券相关联的组织和兑现。此外对于上述方法,虽然销售人员已经避免了印刷和递送报价的费用,但是销售人员仍然要面对与欺诈和欺诈检测、纸赠券的核查、以及在POS处的人员训练相关联的重要费用。
发明内容
这个申请的在先申请已经描述了用来递送、组织以及兑换非纸赠券或者其他促销报价的新颖方法。本申请继续建立在那些在先申请上,从中在此已经要求了优先权,而且它们已经通过引用被包含在此。例如,于1999年7月7日提出的临时美国专利申请60/142,611,尤其公开了把接受的赠券报价和信用卡关联在一起,以及描述了非纸的或者虚拟赠券能够如何被递送给消费者以及如何由消费者兑换的实施例,其包含通过消费者信用卡的使用来进行合格的产品或者服务购买。于2000年3月22日提出的美国申请60/191,352尤其描述了用于自动地组织非纸赠券及其它虚拟文档的方法和系统,于2000年7月7日提出的美国申请09/611,672也描述了同样事情,这个申请要求享受1999年7月7日和2000年3月22的申请的优先权。
上述申请、以及美国专利申请10/081,257,进一步描述了不同的递送和组织方法,包含把非纸赠券报价递送给PDA、无线PDA以及交互式电视。
在这个申请中所描述的实施例中,把在线或者虚拟赠券报价的电子递送和消费者的支付系统合并在一起。支付系统包含信用卡、提款卡、电子支付帐号、消费者记账系统、基于蜂窝电话的电子付款系统、以及基于PDA的电子赠券系统。用于促销报价的进一步应用能够是用于奖励类型的激励,诸如可以获得奖励商品和/或服务的经常搭机者英里或者其他“点”或者“信用”。
这些方法的合并导致虚拟、非纸赠券或者促销报价的电子递送。通过在这个申请中公开的实施例也允许在销售点处或者在消费者的支付系统结算表上的进行非纸兑换。为了使用描述的方法,作为一个例子,消费者将把一个信用卡和一个赠券数据库相关联,以便当进行合格的购买时,保存在赠券数据库中的赠券能够被自动地兑换。在某些实施例中,消费者也具有一个个人赠券网站,其中消费者能够“剪辑”和保存赠券,由此允许消费者在一个个人网站处组织他或者她的赠券,以组织保存在个人网站中的赠券。上述方法允许消费者在个人网站处管理他或者她的赠券,同时也把赠券数据库和消费者的支付系统相关联。消费者通过使用他或者她关联的支付系统,藉此能够容易地兑换保存在赠券数据库中的、接受的赠券报价。
在这个申请中描述的实施例中,提供了一个向一个消费者递送非纸赠券报价、并且允许消费者接受那个报价而不必提供消费者的信用卡信息的系统和方法。这个方法减轻了消费者为响应于一个标题广告或者电子邮件而提供信用卡信息的天生不情愿性。
在这个申请中描述的实施例因此为通过电子邮件、蜂窝电话、卫星电话、基于地面或者有线电话、无线PDA、公用电话亭、交互式电视、双传呼机、无线网络、或者其他通信系统和设备的非纸报价的递送或者通信作准备。非纸报价能够预先和消费者的支付系统(例如,信用卡、提款卡、银行信用卡、或者其他支付系统)相关联。例如,诸如Yahoo!,AOL和Amazon(所有他们相应所有者的商标)的列表所有者可以具有三个重要的数据段:1)电子邮件地址、2)把第三方报价提供给他们消费者的电子邮件地址的权限、以及3)信用卡号。利用这个信息,能够实际地实现上述实施例。
在如下所述的实施例中,构造赠券或者其他促销报价给消费者的销售人员或者广告商未必具有对信用卡信息的访问的权利。在这个申请中使用的“广告商”包含希望构造一个促销报价的产品生产商、商人、及其它公司或者实体。一种把消费者和他们的信用卡关联而不必把信用卡信息给予销售人员或者广告商的机制将是通过卡匹配的代理。这样的卡匹配的代理通常将接收消费者标识符,诸如消费者电子邮件地址、以及他们的信用卡信息的列表。
在这样的方法中,一个报价可以由一个商人或者其他广告商借助于列表所有者的代理或者列表管理者、或者广告商的代理、列表中介创建。列表管理者创建该报价而且允许它被无纸地组织(在某些实施例中)和兑换。例如,列表管理者可以拿走用于零售商XYZ的10%偏离报价(off offer),并且然后把报价预先组织为“服装”、“家具”、“食品杂货”、“硬件”、“商品”或者其它的类别(参见图4)。列表管理者然后给与报价一个标识号码。列表所有者然后把该报价的限制递送给匹配的代理。列表管理则然后把消费者的电子邮件地址附加到电子邮件本身。当消费者“点击”或者接受允许的报价时,将导致一个电子接受消息被发送给列表管理者,其中该消息包含当报价被发送给消费者时和报价标识号码相关联的电子邮件地址。当接收时,列表管理者把电子邮件地址和报价标识符传输给匹配的代理,其然后把电子邮件地址和消费者的关联信用卡相关联,并且把赠券标识符添加到消费者的赠券数据库中,用于稍后匹配到一个其中消费者兑换促销报价的零售商品或者服务事务中。赠券数据库可以是一个在匹配的代理端或者在销售人员站点处或者在另一个位置处的简单数据库,或者它可以是诸如在图4中和在美国专利申请09/611,672中描述的组织的、消费者可管理的数据库。还可能有两种类型的数据库,而且包含在那些数据库中的数据能够依据系统设计要求进行同步。在此在与“打折(money-off)”的商品或者服务购买有关的实施例中描述了促销报价或者赠券报价。这样的促销报价或者赠券报价还可包含可兑换或者相反具有价值的购买凭证或者票或者其他物品。还有的其他促销报价可能涉及可兑换的“奖励点”或者能够由消费者兑换商品或者服务的类似激励。
在这样一个实施例的一个实现中,一个列表所有者把一个消费者标识符(例如,一个电子邮件地址)以及与消费者相关联的信用卡号传输给一个匹配的代理。然后为一个广告商创建一个促销报价。报价被构造到一个电子邮件中,其被发送给在该消费者电子邮件地址处的消费者。电子邮件包含嵌入在它的内部的消费者标识符,其可以是消费者的电子邮件地址或者编码的信用卡信息或者其他标识符。一旦由消费者收到该报价,利用一个按钮的点击能够发生几件事件:(1)消费者标识符与该非纸赠券的标识符一起经由XML或者其他协议转送给匹配的代理;(2)匹配的代理然后获取该标识符,在电子邮件地址的情况下,把它和它在存档中具有的信用卡号相关联;以及(3)匹配的代理或者其他实体把该非纸赠券报价和消费者的信用卡或者其他支付系统相关联。
一旦该赠券报价已经被接受了、并且与一个消费者的信用卡或者其他支付系统相关联,则消费者就能够使用他或者她的信用卡或者其他支付系统来购买在赠券报价中涉及的产品或者服务时兑换该赠券报价。此时,商人把购买数据发送给卡匹配的代理,其于是将把信用卡交易和适当的消费者赠券数据库进行匹配以便确定是否应当应用一个折扣。如果满足报价的条件,则将应用一个折扣。给消费者的折扣通知能够在购买的时候在零售位置本身处递送或者经由电子邮件递送,而且还能够在消费者的信用卡结算表中给出通知。
上述概述概括了在这个申请中描述的实施例,但是应当在整个说明书的上下文中使用来说明这些实施例的一些特征。因此,通过参见整个说明书可以获得这些实施例的其他特征以及一个更全面的理解。这些实施例中没有一个是发明范围的限制,本发明必须由在权利要求部分中阐述的权利要求所确定。
附图说明
图1是一个用于促销报价分发、组织、以及兑换系统的框图;
图2提供了一个促销报价的电子邮件递送版本的示例屏幕快照;
图3是能够在一个消费者接受一个促销报价之后向消费者给出的示例弹出窗口;
图4是一个来自一个图形用户界面、用于赠券数据库组织者的示例屏幕快照;
图5说明了当兑换一个接受的促销报价时发送的确认消息的一个屏幕快照;
图6是用于收集和兑换促销报价的示例处理流程图;
图7说明了一个示例促销报价的数据结构;
图8提供了一个促销报价分发、组织、和兑换系统的示例框图;
图9提供了一个促销报价分发、组织、和兑换系统的另一个实施例的示例框图;以及
图10提供了一个促销报价分发、组织、和兑换系统的一个实施例的另一个示例框图。
所有这些附图是某些实施例的说明。权利要求的范围不局限于在附图中说明和下面所述的特定实施例。
具体实施方式
在图1中显示的是一个用于一赠券报价/组织/兑换系统100的框图,其中每个消费者都拥有一个能够与消费者的支付系统,诸如信用卡、提款卡、电子资金转帐帐户或者其他支付装置相关联的赠券数据库102。消费者的虚拟赠券被保存在他们的赠券数据库102中,赠券数据库102将在一个销售人员104的控制之下,其中销售人员104通过虚拟文档106,通过电子邮件、通过在Internet上的网站、或者通过其他网络105把赠券报价提供给消费者。消费者通过消费者的个人计算机110、个人数字助理(“PDA”)112、或者其他电子设备109(参见图10)接收、接受、和管理在虚拟赠券数据库中的赠券报价。
在销售人员站点104内或者以外提供了一个信用卡接口108,其用来把存储在消费者赠券数据库102中以及与数据库102相关联的赠券和通过信用卡主机132来清除的信用卡交易链接在一起。通过这些链接,在那些其中消费者具有保存在他们的关联赠券数据库102中、用于他们已经购买产品的可兑换赠券的实例中能够应用恰当的信用。
许多可能的赠券报价变化、以及在赠券递送方法的变化是可能的。例如,虚拟赠券报价能够通过移动电话、无线PDA、交互式电视、双向传呼机或者其他电子通信系统被递送给消费者103。通过消费者的电子通信系统来检测消费者103所处的位置并且由此基于他们的位置向消费者103提供报价是进一步有可能的。例如,当通过无线连接连接时,能够检测通过其消费者103连接到网络105的特定无线塔或者接入点(参见图10),借此能够向多个消费者103做出地区特有的报价。作为进一步的示例,能够通过利用:基于卫星的定位系统;来自基于地面的无线电传输的三角测量;检测哪个传输塔正和消费者基于蜂窝的电子设备进行通信;以及检测和一个消费者基于局域网的电子设备进行通信的通信集线器;来检测一个特定消费者的位置。
非纸赠券报价和消费者支付系统的直接关联能够让报价目标的定位变得更加灵活。在一个具体示例中,能够基于一个消费者103的位置为消费者做出用于一个接近消费者103的商店120的报价。这样的报价能够,例如基于消费者检测到的位置,被有利地递送给消费者的便携式设备,诸如蜂窝电话或者无线PDA。不是作为兑换的一种方法递送在这种便携式设备上显示的一个用于向一个商人显示的报价,本实施例允许消费者以电子方式接受该报价,并且把那些报价和消费者的信用卡或者其他支付系统相关联。就象纸赠券一样,这个电子接受以及和消费者的支付系统相关联,诸如通过向商人显示一个专门设计或者未授权的报价屏幕,来阻碍试图兑换无效报价的可能欺诈。描述的实施例可以进一步取消商人安设附加设备,诸如如果一个接受的报价将电子地从消费者的便携式设备“发射”到商人的POS终端102或者在商人POS处的其他设备时的附加设备的需要。
另一个示例系统将用于由一个充当列表所有者的蜂窝电话服务提供者(或者其他无线通讯提供者)进行向蜂窝电话或者PDA的促销报价的递送。蜂窝电话公司于是将向一个匹配的代理提供消费者电子联络地址(例如,蜂窝电话号码)和信用卡号的列表,匹配的代理接着又将构造一个报价。报价将然后经由即时消息或者其它的装置被递送给蜂窝电话,而且消费者然后能够“点击”以接受该报价或者使用其他的动作(例如按压一个数字键、发一个接受声)以接受该报价并且把它与消费者的支付系统相关联。
因为消费者已经被解除了打印出该赠券或者是下载它到一个本地设备的必要性,消费者103能够简单地接受该报价,并且借此把它和消费者的信用卡或者其他支付系统相关联。此外,因为把赠券报价存储在消费者的支付系统上的直接性,以及其中该报价已经被点击或者接受的可跟踪性,使报价能适应时间是非常可能的。例如,消费者103可以是在零售商XYZ 120的附近,而且消费者因此可以被给予在3个小时内(或者,作为另一个示例,在同一天内)在那个零售商处进行的购买有25%折扣的报价。该报价可以在下一个周期期间(例如,在3个小时和12个小时之间或者在第二天期间)在价格上降低5%,以及在下一个周期中降低另一个5%,等等。
当定位一个消费者的容量和提供时间触发以及时间敏感的报价连接在一起时,会浮现某些协同作用。例如,消费者103可能在星期六晚上和他们的蜂窝电话一起(例如,参见图10)“出了城镇”。如给定时间和消费者的位置,消费者103可能在他们的蜂窝电话(或者PDA或者类似设备)上接收一个用于一个附近餐馆或者夜总会120的实时赠券报价。该报价可能是仅仅对该晚上是有效的,或者它在稍后的时间或者日期处可能不值那么多。通过接受该报价,消费者103可以因此把该报价和他们的信用卡相关联,而且当消费者仍然在该本地区域中时,该报价然后就能够在那个区域处被容易地兑换。通过这个方法,相对于传统的赠券递送方法,不仅是赠券报价的递送、接受、和兑换被流水线化了,而且此外相对于更加传统的方法,为该非纸赠券报价定位行销目标是更有效的。
为了兑换他或者她的赠券,消费者103访问连接到如图1所示的网络的—传统或者在线—商店120。在这个实施例中,消费者通过使用由信用卡发行者130发行的相关联信用卡来兑换他的赠券。每当向商人120给出消费者的支付系统时,在线或者传统的商人120将和信用卡发行银行130进行通信。在一个传统的商人处,例如,信用卡将在销售点(“POS”)终端122处运行。POS终端122一般将通过一个安全连接和信用卡主机132进行通信。这个安全连接可以通过在商人120和信用卡银行130之间的连接的两端处提供的安全接口单元125。在零售商120和信用卡银行130之间的连接能够通过Internet或者通过传统的点对点通信,诸如租借的或者拨号无线电通讯数据线。
虽然由卡发行者130表示的功能块被显示为在单个站点处的单个信用卡主机,但是这个宽广的功能可以更具体地说使用至少两个分离的站点和/或计算机系统实现。一个作为例子的站点将是获取或者商人服务银行站点,其将与商人120接口以通过安全接口125接收授权请求以及返回核准代码。在该示例中的第二个站点将是信用卡发行银行,其将和获取银行计算机系统进行通信以收集交易数据,以及和信用卡接口服务器108进行通信,以便确定何时向消费者的信用卡结算表应用适当的折扣。第一和第二站点在功能上都被包含在卡发行者130内。
例如,信用卡核准和清零操作可以如下所述发生。在消费者已经把电子赠券保存在他的赠券数据库102中之后,消费者将把他的关联信用卡带给商人120。消费者于是将把他的卡交给商人的雇员,其将把该卡划过与POS终端122相关联的信用卡阅读器,如通常在一个信用卡交易中进行的那样。商人120于是将和信用卡计算机系统130进行通信以便从信用卡计算机系统中查找用于该事务的授权代码。信用卡计算机系统130然后可以和销售者计算机系统104进行通信以依据那个消费者在商人120处的购买确定消费者是否有资格有一个赠券折扣。此外,信用卡系统130将离线,例如和常规的信用卡授权处理分离地收集必要的数据是可能的。用于这个赠券清除处理过程的接口做为选择可以是一个在商人120和信用卡计算机系统130之间的完全并行网络。
能够以多种方法施行消费者折扣。一种方法是作为正常信用卡核准处理过程的一部分,通过安全接口125把该折扣传输回到POS终端122。第二种方法将是在信用卡计算机系统130中向消费者的月度结算应用该折扣。以及第三种方法将是用于通过从信用卡系统130或者销售者系统104中发行一个支票来向消费者积累和偿付赠券折扣。
还有很多能够把赠券报价递送给消费者的方法。图2提供了一个赠券报价的电子邮件递送版本可能看起来像的示例屏幕快照。这个说明的报价是在零售商XYZ处购买的20%折扣。如在一封正常电子邮件中那样,有一个标题部分202。这个部分说明赠券报价的来源、日期、该报价打算用于的人、以及赠券报价的标题。屏幕图象200显示了整个赠券报价,其包含地址部分202和主消息窗口204。在主消息窗口204内是一个可点击的目标206,其允许消费者选择这个报价,以存储他或者她的赠券组织者/信用卡。报价200还能够通过目标208向消费者提供有用的信息,诸如附近的商店位置,和/或经由可点击的目标210提供一个用于改变用于从销售者104接收电子邮件的消费者偏好的选项。
图3显示了一个能够在消费者已经点击了目标206以接受赠券报价200之后向消费者给出的弹出窗口310。在此显示的示例中,消费者当前不具有一个与消费者的信用卡相关联的赠券数据库102,这是因为在弹出窗口310中该报价被描述为消费者的“第一个赠券”。弹出窗口还提供了用于消费者的电子邮件地址312、名314、邮政编码316、和口令318的字段。它还通过指示的检查框320提供了消费者是否希望从销售人员104接收其他的宣传报价的选项。可点击的目标322允许消费者向销售者提交他或者她的选择以便接受的报价能够被保存在一个新或者现有的数据库102中。
图4显示了一个图形用户界面、用于赠券数据库102的示例屏幕快照;在这个图形显示中显示的是可以由赠券数据库102与之相关联的消费者接受的赠券报价的记录。第一个这样的记录402显示了用于上面已经讨论的赠券报价200的条目。显示的用于这个记录的字段包含广告商404、报价的简要描述、到期日期408、以及商人的联系信息410。还提供的是一个从赠券数据库102中删除报价的装置,其通过“DELETE”复选框412提供。用户界面400还包含数据项来帮助消费者导航和组织他们的赠券数据库的内容。例如,提供了可点击的目标414以允许消费者,例如通过广告商404或者到期日期408,进行搜索。做为选择,用于列404到410的列标题能够是可点击的以便在那些字段中排序。还提供了多个赠券类别416,其能够允许消费者把许多报价滤到更加可管理的组中。
图5说明了当成功地兑换了消费者的一个赠券时可以被发给消费者的一个确认电子邮件的屏幕快照。这个确认电子邮件500是多种可以依据一个消费者的电子邮件偏好发给他们的电子邮件类型中的一种,这些偏好可以通过在电子邮件500中显示的目标502上点击来进行更新。还提供的是这样一些目标,通过它们消费者能够通过可点击的目标504把赠券报价转送给他们的朋友,通过可点击的目标506把赠券数据库链接添加到“中意的事(”中,或者通过目标508直接到达他们的赠券数据库。
图6是一个处理流程图用于由消费者使用他们的信用卡或者其他支付系统进行的虚拟赠券的收集和兑换。在块602处建立一个消费者的赠券数据库102。这个数据库102能够以多种方法设置,诸如使用信用卡、电子邮件、及由列表所有者提供的其它消费信息预先注册一个消费者。通过使用由列表所有者提供的信息一次可以预先注册多个消费者。做为选择,消费者能够直接预订,而且在有些情况下这可以在一个赠券报价已经被发送给消费者(诸如相对于块606进行的描述)之前发生。赠券数据库可以具有与它相关联的消费者简档表信息,这包含有关消费者赠券偏好的信息,以便作为目标的赠券报价能够被发给特定的消费者。
依据在这申请中描述的实施例,在块604处消费者的赠券数据库102与消费者信用卡或者其他支付系统中的一个相关联。这个关联可以是在销售者站点104处(可以存储实际消费者信用卡号或者它的一个编码版本),它可以是在信用卡计算机站点130以(其可以存储与在销售者104处的消费者相关联的消费者帐号),或者该关联可以是通过一个卡匹配的代理830。卡匹配的代理830(参见图8-10)可以在物理上和销售者站点104和信用卡计算机站点130分离,或者在那些使用代理830的系统中,可以通过在那些站点中的一个处、由逻辑上分离但是物理上共同定位的对象提供。卡匹配的代理830提供了销售者104能够发送赠券报价以及处理赠券兑换而不必要提供实际的消费者信用卡信息的优点。因此,匹配的代理830能够为赠券事务提供增强的安全性。
仍然参见图6,在块606处,递送赠券报价并且向消费者103给出。给出装置可以是通过使用一个由销售者104拥有的列表或者一个从一个列表所有者810租借的列表的大量电子邮件。该列表能够发自销售者104或者列表所有者810。还能够通过发送给蜂窝电话、有线、或者交互式电视用户的消息向它们做出报价,而在这样的情况下用于他们的相应服务的他们的服务提供者可以充当列表所有者810,因为他们将会具有消费者的电子联络地址以及信用卡或者其他支付系统信息。作为大量电子邮件发送的其他替换,能够通过网络标题广告,可能地基于早已具有和销售者104有关的帐号的消费者103,或者还可能不用消费者103具有这样的帐号,给出赠券报价以及把该赠券报价递送给消费者103。不论使用了上面的哪种方法,为发送赠券报价给没有向销售者104登记的消费者、允许消费者在当他们电子地接受该赠券时为存储在他们的赠券数据库102中而进行登记作准备可能是所期望的。
仍然参见图6,以及在一个更具体的实施例中,在此描述了诸如可以和在图8-10(在下面讨论)中说明的系统一起使用的方法。对于这个实施例,销售者104为商人/广告商120/820创建一个报价的详细信息。在块606内,销售者1 04把赠券报价发送给一个匹配的代理830。列表所有者也发送一个关联的电子邮件地址812和信用卡号814列表810给匹配的代理830。匹配的代理830在这个阶段或者在块604中,能够取决于业务模型以及列表所有者是否具有权限在和它的列表成员规定的条件下面大量注册列表810,大量地向销售者104注册该列表。无论列表810是否已经被大量注册了,销售者104能够然后向列表所有者发送一个“允许的报价”,其可以,例如,通过具有将把一个特定报价和一个特定消费者相关联的、嵌入的标识/验证号码来进行表征。验证号码或者其他消费者标识符相对于欺诈或者赠券误用提供了一个安全性测量。列表所有者810接着又向消费者103给出允许的报价,消费者103可以在他们的PC 110、交互式TV 109a、PDA 109b、或者蜂窝电话109c(参见图10)处接受该报价。不论用于验证号码、消费者标识符、或者允许报价的来源是什么,能够通过多个不同的来源以及通过多个不同的媒介向消费者103给出赠券报价。
在块608处,以及仍然参见图6,已经由一个消费者选择或者接受的赠券被保存在消费者的赠券数据库102中。这个存储能够是作为消费者在接收的电子邮件上、或者在一个标题广告或者其他向消费者给出的赠券报价上点击一个“我接受”目标的结果,或者存储能够是这样一个自动处理过程的结果,通过该过程依据消费者的存储赠券偏好把赠券自动地放置到消费者的赠券数据库102中。
如块610所示,在块608处被保存在消费者赠券数据库中的赠券能够通过使用与消费者的赠券数据库102相关联的消费者信用卡进行兑换。信用卡可以在一个“砖泥”或者在线商人120处使用。当使用信用卡时,商人120将通过安全接口单元125向信用卡公司服务器132发送一个授权请求(“AR”)。在这样一个事务中,通常在逻辑上在此被称为信用卡公司服务器132的实体由一个和商人120进行通信的信用清算银行或者获取银行计算机系统、一个管理持卡人/消费者帐号的信用卡发行计算机系统、以及一个与特定信用卡协会,诸如Visa或者MasterCard相关联的信用卡协会服务器组成。这些不同的服务器所有都进行通信以便清除AR以及使持卡人的信用卡结算表一致。一旦已经清除了AR,如上所述包含一个或多个实体的服务器的信用卡公司服务器将发送一个核准代码(“AC”)回到商人120用于请求的事务。虽然有许多能够通过其完成这个兑换的可能方法,但是这个事务也将触发那些消费者103具有一个存储的信用卡报价用于其的合格购买的兑换。
仍然参见图6中的兑换块610,赠券的兑换能够在商人的POS终端122处应用,它能够由信用卡主机132应用于消费者的信用卡结算表,或者它能够由一个被发给消费者103的单独支票或者信贷支付。通过使用任何方法,信用卡服务器132将在销售者104处和信用卡接口服务器108通信以为一个特定持卡人消费者确定一个特定购买是否包含消费者已经为其在消费者的赠券数据库102中接受一个赠券报价并且存储它的特定购买。通常,在商人120和信用卡公司服务器132之间发送的AR/AC通信不包含有关特定物品已经被购买的具体交易数据。这些通信一般仅仅包含诸如采购量和持卡人身份的最高级的交易数据。在商人POS 120处进行实际的赠券清算应当是期望的,然而,在AR中嵌入具体的交易数据以及在AC中嵌入特定的兑换数据将是可能的,因此赠券折扣能够在POS处应用。经由一个单独的并行通讯通道、诸如Internet或者企业内部网、或者一个虚拟专用网络(“VPN”),以在商人POS和信用卡服务器132或者数据库服务器(诸如信用卡接口服务器108或者虚拟文档服务器106或者另一个服务器)之间分别请求消费者数据库102以及向其应用一个赠券折扣也是可能的。如上所述或者使用其他装置传递包含购买的物品的事务详细信息,以便分别使合格的购买一致,以及向消费者的信用卡结算表应用赠券折扣或者相反向消费者提供一个单独的信贷或者支付用于兑换的赠券是更进一步可能的。
现在参见图7,一个属性文件与一个赠券报价相关联以便于在消费者的赠券数据库中的虚拟赠券报价的过滤和存储。图7说明了一个描述属性信息740能够如何设置以及如何与一个虚拟赠券报价信息741相关联的示例的数据结构730。与VRCD数据文件741相关联、包含在属性文件740内的信息可以包含一个商人ID 742、报价或者推销ID 743、用户ID 744、或者其他属性745。其他属性可以包含商人的类别、网站URL、商人的地址、标记、和电子邮件信息。
图8提供了一个用于存储在一个消费者信用卡上的赠券报价的兑换的系统的框图。有许多其中能够配置这样的一个系统的不同方法,而且图8中的系统提供了一个这样的系统。在这些申请中公开的实施例通用的是广告商820,其意义可以和商人120是一样的,或者可以是一个和商人120具有直接或者间接商业关系的单独实体。广告商820向一个销售实体104提供了一个它希望对一个特定团体进行的报价的定义。销售人员104可以具有它自己用于分发的列表或者它可以从一个列表所有者810接收一个列表。在这个实施例中,消费者103与信贷持卡人帐号相关联。在这个示例中,例如,列表所有者810可以具有一个用于每个消费者103的电子邮件地址812和信用卡号814列表。
在图8的实施例中,实际信用卡号不提供给销售人员104,而是代之以通过一个卡匹配的代理830传递,卡匹配的代理830可以是一个和信用卡公司130分离的实体或者它可以是一个由信用卡公司130提供的单独功能。卡匹配的代理830向在这个实施例中的列表810提供编码的信用卡号或者消费者标识符,其能够由卡匹配的代理830以后使用来标识兑换的报价。
仍然参见图8中的实施例,一旦销售人员已经接收了消费者103列表并且已经从广告商820接收了一个定义的报价,则销售人员104能够经由电子邮件或者通过其他的递送装置,诸如一个基于万维网的标题广告、交互式电视广告、无线个人数字助理(“PDA”)报价、蜂窝电话报价、或者通过其他装置把这些报价提供给消费者列表810。消费者103然后能够通过在一个可点按按钮上点击或者在该报价中提供的其他装置,接受该赠券报价。当接受了报价时,从该消费者发送一条消息回到销售人员104,而且该报价能够被保存在消费者登记的用户网站840处。在销售人员站点104处的硬件能够以多种方法实现。例如,能够在销售人员站点处提供如图1所示的虚拟文档服务器106以便以电子邮件或者别的方式把赠券报价递送给消费者。这个虚拟文档服务器106也可以被配置为从消费者设备109、110接收接受的赠券报价、在消费者数据库102中存储那些接受的报价、以及在登记的用户网站840处反映消费者接受的赠券报价。在那些消费者还没有向销售人员104登记一个网站840和/或一个消费者数据库102的实例中,消费者能够被导向诸如通过如图3所示的方法向销售人员104进行登记。
进一步参见图8,一旦接受的赠券报价被保存在消费者数据库102(参见图1)中,则销售人员站点104更可取地是直接或者通过卡匹配的代理830和信用卡公司130进行同步。有多种不同的方法来配置在销售人员104和信用卡公司130之间的同步过程。在图8的实施例中,例如,一旦赠券报价已经被接受了而且被存储在登记的用户网站840和赠券数据库102中了,则一个“赠券通知”被发给卡匹配的代理,其随即可以准备在当消费者/持卡人使用他的信用卡在商人120处进行一次合格的购买时兑换那个接受的赠券报价。因此,当消费者103在商人120处进行他的购买时,POS终端122可以发送一个AR到信用卡公司130。这个事务可以立即或者稍后通过卡匹配的代理830进行清算以确定是否已经进行了一次使用一个接受的赠券报价的合格购买。如果是这样的话,卡匹配的代理830将依据信用卡主机服务器132向消费者的信用卡结算表应用一个信贷,或者这个信贷可以通过商人120的POS终端122被传输回到商人120,以便能够直接在销售点(“POS”)终端122处应用折扣。
当相对于消费者的赠券数据库102检查具体的交易数据时,POS 120可以通过信用卡站点130进行通信,或者如连接两个站点120、830的双短划线所示,它可以直接和匹配的代理830进行通信。POS 120也可以在任何实例中直接和销售人员104进行通信。因此,赠券数据库102可以位于销售人员站点104或者匹配的代理站点830处,或者可以在另一个位置处。来自POS的交易数据能够与在赠券数据库102中存储的接受促销报价进行比较,而且那个交易数据可以直接从POS站点120馈送到赠券数据库102的位置或者它可以通过诸如匹配的代理830的另一个站点间接地进行。当在赠券数据库102中发现一个接受的促销报价时,可以从诸如包含赠券数据库102的销售人员104的站点向卡匹配的代理发送一个“兑换通知”。在那些其中卡匹配的代理830维护赠券数据库102并且从POS 120接收交易数据的实例中,然而,在两个站点之间的“赠券通知”和“兑换通知”未必被使用了。在某些实施例中,在另一方面,可以在销售人员站点104和卡匹配的代理站点830处存在并行的数据库。在这样的实例中,即使没有在它们之间发送明确的“兑换通知”或者“赠券通知”,仍然可以有在两个数据库之间的同步过程。
图9提供了一个用于一个赠券兑换系统的框图或者网络图,其被配置为和图8中的赠券兑换系统不同。在图9的实施例中,而不是销售人员104把赠券报价发送给消费者103,列表所有者810执行这个功能。为了允许列表所有者810发送这些赠券报价并且把这些报价和消费者信用卡和信用卡公司130以及特定报价进行同步,列表所有者810把它的列表提供给卡匹配的代理830,如在图8中所进行的那样。卡匹配的代理830再次把这个列表和编码的信用卡号或者消费者标识符提供给销售人员104,其然后把列表和报价和验证代码相关联。更新的、与促销报价和验证代码相关联的列表,被提供回到卡匹配的代理830,其然后把这个信息传递到列表所有者810上。列表所有者810使用一种相对于图8中的实施例描述的方法或者另一种方法,把促销报价递送给消费者103。
和以前一样相对于图8,消费者103能够接受向他或者她做出的报价,而且在这个情况下那个接受将导致一个通知被发给登记的用户网站840和赠券数据库102,以便在用户网站840中存储该报价。如同图8中的实施例一样,销售人员104然后能够向卡匹配的代理830发送一个赠券通知,代理830能够保持和信用卡公司130的通信以确保赠券报价折扣被应用于在商人120处的消费者购买或者应用于消费者的信用卡结算表。
图10说明和强调了如上所述的系统和方法能够用于不同于Internet和/或传统电子邮件投递网105的网络中。例如,如在此所示赠券报价能够通过在图10中表示为通过网络集线器1010的交互式电视网络递送给消费者,以及如图所示通过集线器1020和消费者设备109b-c递送给消费者设备109a或者PDA或者蜂窝电话。这些赠券报价的形式可以类似于那些在图2-3中说明的那些,以及在销售人员104处的用户界面能够类似于在图4中显示的那些提供。能够类似于在图5中显示的那些进行确认。然而,用户界面不需要被限制于在前面这些图中显示的方法。例如,利用当前蜂窝电话技术和/或PDA技术,在这些设备上提供的显示通常小于将在一个计算机终端或者交互式电视机中提供的那个,而且因此只有减少的屏幕能够被使用。在有些情况下,消费者通讯设备可能完全不具有显示屏幕,而且通过不同于可视显示的装置配置这些被构造和接受的报价将是可能的。例如,语音应答系统能够用来向消费者做出赠券报价以及从消费者中接收赠券报价。这样的通过钥按压和/或发声的接受能够应用于基于蜂窝电话以及基于地面的电话报价。
当使用在图10中显示的类型的系统时,因为通过其做出以及接收这些报价的网络的专有属性,赠券报价通常将通过一个通过专有网络的集线器1010、1020作用的交互媒体服务器1030做出和接收。如以前一样,能够提供卡匹配的代理830以从消费者标识号码中翻译出信用卡号以及把信用卡号翻译成为消费者标识号码标识号码,或者以别的方式编码或者对销售人员104隐瞒信用卡号。在这个实施例中交互媒体服务器1030还可以提供网络接口840,借此消费者能够管理他们已经接受并且保存在他们的赠券数据库102中的虚拟赠券。
通过经由集线器1010、1020通过他们的专有网络接受赠券报价,这些接受的赠券报价被保存在消费者的数据库102中,因此信用卡接口服务器108能够使接受的、具有消费者信用卡帐号的赠券报价和信用卡公司130同步。卡匹配的代理830能够再次提供在信用卡号和消费者标识符或者配备的信用卡号之间的转换,通过其消费者为销售人员104所知。
当由消费者103通过在商人120处使用他的相关的信用卡兑换赠券报价时,商人120把该交易数据发送给信用卡公司130和/或匹配的代理830。匹配的代理830、信用卡公司130、或者信用卡公司通过匹配的代理830或者直接通过销售人员104,这取决于系统是如何设置的,然后把交易数据和消费者的信用卡进行匹配,因此直接在商人120处应用该折扣或者向消费者的信用卡结算表应用该折扣。
虽然在此已经为在一个有选择地由软件启动或者重新配置的通用计算机中的实现描述了不同的方法,但是在本领域的普通技术人员同时将要承认这样的方法可以以硬件、以固件、或者以被构造来执行该方法的更专门装置的形式执行。此外,作为在此使用,“客户”将被广泛地解释为意指任何以任何已知或者以后开发的方式直接或者间接地连接到一个计算机网络,诸如Internet的任何计算机或者它的部件。“客户”还应当被广泛地解释为意指请求或者获得文件,以及“服务器”是下载文件的实体。
在上面具体实施例中对信用卡的应用应当被理解为广泛地涉及其他的支付系统和方法,诸如提款卡、电子付款系统、自动开帐单系统、或者其他支付系统、包括在这个申请中描述的其他记账系统。“赠券”、“赠券报价”、和“促销报价”应当被广泛地解释为包含票、有偿的凭证购买、及其它可兑换或者相反具有值的物品,诸如经常搭机者的英里数或者其他可以被兑换为奖励的商品和/或服务的“点”或者“信用”。
在所有上述实施例中,赠券数据库的实际位置和在不同站点之间的通信属性可以取决于系统设计考虑而修改。例如,取决于赠券数据库和从POS接收交易数据的站点的相对位置,发送兑换通知和赠券通知未必是必需的。此外,取决于其中报价是从电子联系发件人和广告商信息中“构造”的,在有些情况下在列表所有者、卡匹配的代理、和销售人员当中与验证代码和/或持卡人ID号一起发送列表和报价未必是必要的。可以为消费者提供登记的用户网站来维护他们的赠券数据库,但是不必要提供这样的网站。当提供了时,网站能够由销售人员、卡匹配的代理、列表owner、或者其他实体所提供。登记的用户网站可以是一个到赠券数据库或者到另一个可以与赠券数据库同步的数据库的接口。
申请人认为:除非权利要求以装置加步骤或者装置加功能的格式清楚地撰写了,否则权利要求不应当适用35U.S.C§112,16。
Claims (62)
1.一种向消费者分发促销报价的方法,包含:
a)创建一个促销报价;
b)建立一个用于多个消费者的电子联络地址列表;
c)向用于多个消费者的电子联络地址分发该促销报价,其中该促销报价能够由多个消费者中的至少一个电子地接受;
d)当该促销报价由至少一个消费者电子接受时,在一个与该至少一个消费者相关联的赠券数据库中放置该促销报价;以及
e)建立或者维护至少一个消费者的赠券数据库和该至少一个消费者的支付系统的一个关联。
2.如权利要求1所述的方法,其特征在于:该至少一个消费者的赠券数据库在一个销售者的站点处建立或者维护。
3.如权利要求1所述的方法,其特征在于:该至少一个消费者的赠券数据库在一个匹配的代理的站点处建立或者维护。
4.如权利要求1所述的方法,进一步包含:当该至少一个消费者电子接受该促销报价时,建立与该至少一个消费者的支付系统相关联的至少一个消费者的赠券数据库。
5.如权利要求1所述的方法,其特征在于:接受该促销报价以及在赠券数据库中放置该促销报价要求该至少一个消费者把一个支付系统和该消费者的赠券数据库相关联。
6.如权利要求1所述的方法,其特征在于:当该促销报价是给予多个消费者时,该赠券数据库是预先存在的。
7.如权利要求6所述的方法,进一步包含:当消费者接受该促销报价时把该赠券数据库和该至少一个消费者的支付系统相关联。
8.如权利要求1所述的方法,其特征在于:支付系统是从包含信用卡、提款卡、电子支付帐号、消费者记账系统、基于蜂窝电话的电子付款系统、以及基于PDA的电子通信系统的组中选出来。
9.如权利要求1所述的方法,其特征在于:分发该促销报价的形式是从以下的组中选择出来,该组包含:电子邮件、标题广告、交互式电视、蜂窝电话、卫星电话、基于地面的电话、基于PDA的无线电设备、以及电子信息站。
10.如权利要求1所述的方法进一步包含:检测多个消费者的位置。
11.如权利要求10所述的方法,其特征在于:依据消费者检测的位置把促销报价分发给检测到的消费者中的至少一些。
12.如权利要求11所述的方法,其特征在于:依据消费者被检测到存在的时间把促销报价分发给检测到的消费者中的至少一些。
13.如权利要求10所述的方法,其特征在于:检测消费者位置的方法是从以下组中选出来的,该组包含:基于卫星的定位系统的使用;来自基于地面的无线电传输的三角测量的使用;检测哪个传输塔正和消费者基于蜂窝的电子设备进行通信;以及检测和一个消费者基于局域网的电子设备进行通信的通信集线器。
14.如权利要求1所述的方法,其特征在于:在哪个时间向消费者做出某些报价是依据消费者存储的、和消费者的赠券数据库相关联的偏好。
15.如权利要求1所述的方法,其特征在于:在哪个时间向消费者做出某些报价是依据广告商的偏好。
16.如权利要求1所述的方法,其特征在于:至少一些促销报价的值随时间而减少。
17.如权利要求16所述的方法,其特征在于:该值相对于报价被分发的时间随时间而减少。
18.如权利要求16所述的方法,其特征在于:该值相对于该报价被接受的时间随时间而减少。
19.如权利要求16所述的方法,其特征在于:促销报价的值以比一天更短的步幅随时间减少。
20.如权利要求16所述的方法,其特征在于:依据消费者的地理位置向他们进行不断减少值的促销报价。
21.如权利要求1所述的方法,其特征在于:电子联络地址中的至少一些是Internet地址,而且其中促销报价的分发至少部分是经由Internet。
22.如权利要求1所述的方法,其特征在于:电子联络地址中的至少一些是交互式电视地址,而且其中促销报价的分发至少部分是经由交互式电视。
23.如权利要求1所述的方法,其特征在于:电子联络地址中的至少一些是蜂窝电话号码,而且其中促销报价的分发最少部分是经由蜂窝电话网络通信。
24.如权利要求1所述的方法,其特征在于:电子联络地址中的至少一些是卫星通信网络地址,而且其中促销报价的分发至少部分是经由卫星通信网络。
25.一种兑换促销报价的方法,包含:
a)依据多个消费者的电子联络地址,向在一个列表中的多个消费者给出促销报价,其中该促销报价与一种电子地接受该促销报价的方法一起向消费者给出;
b)在与接受那些报价的消费者支付系统相关联的赠券数据库中存储接受的促销报价数据;以及
c)当消费者的支付系统用于在该促销报价中指定的交易时,通过信贷消费者支付系统帐目来兑换该接受的促销报价。
26.如权利要求25所述的方法,其特征在于:电子联络地址列表和相关的支付系统帐目从一个列表所有者提供给一个卡匹配的代理,该卡匹配的代理生成持卡人标识符以代替他们的支付系统帐目来标识该多个消费者。
27.如权利要求26所述的方法,其特征在于:当收到至少一个消费者对该促销报价的接受时,列表所有者向匹配的代理提供用于该至少一个消费者的持卡人标识符。
28.如权利要求27所述的方法,其特征在于:当收到持卡人标识符和促销报价数据时,匹配的代理在与该至少一个消费者相关联的赠券数据库中存储该促销报价数据。
29.如权利要求28所述的方法,其特征在于:零售商向该匹配的代理提供指定的交易购买信息,借此匹配的代理能够确定消费者的购买是否包含促销报价的兑换。
30.如权利要求26所述的方法,其特征在于:当收到至少一个消费者对促销报价的接受时,匹配的代理在与该至少一个消费者相关联的赠券数据库中存储该促销报价数据。
31.如权利要求25所述的方法,其特征在于:至少一些持卡人标识符与促销报价相关联。
32.如权利要求25所述的方法,其特征在于:消费者的电子邮件地址在该消费者列表中与消费者的支付系统帐目相关联。
33.如权利要求25所述的方法,其特征在于:该促销报价经由一个电子通信向至少一个消费者给出,而且其中该电子通信进一步包含消费者的持卡人标识符。
34.如权利要求33所述的方法,其特征在于:消费者通过响应该电子通信来电子地接受该报价。
35.如权利要求33所述的方法,其特征在于:消费者的接受包含在一个接受电子报文中发送该消费者的持卡人标识符,借此接受的促销报价能够被保存在消费者的赠券数据库中。
36.如权利要求35所述的方法,其特征在于:一个匹配的代理接收在接受电子报文中的消费者持卡人标识符并且把那个持卡人标识符与消费者的支付系统帐目相匹配。
37.如权利要求25所述的方法,其特征在于:赠券数据库在一个赠券服务器中建立。
38.如权利要求37所述的方法,其特征在于:至少一个消费者的购买通过一个信用卡服务器清算,并且进一步包含和赠券服务器通信的信用卡服务器以确定该至少一个消费者是否具有一个接受的、由购买兑换的促销报价。
39.如权利要求38所述的方法,其特征在于:在购买的时候应用一个兑换的促销报价。
40.如权利要求38所述的方法,其特征在于:一个兑换促销报价应用于消费者的支付系统帐目而且反映在消费者的支付系统帐单中。
41.如权利要求40所述的方法,进一步包含:发送一封电子邮件给消费者,以通知兑换的促销报价的成功兑换。
42.如权利要求40所述的方法,进一步包含:指定在消费者相应的赠券数据库中的促销报价的兑换。
43.如权利要求25所述的方法,其特征在于:支付系统是一张信用卡。
44.一种用于递送和接受促销报价的方法:
a)建立一个消费者数据库列表,其中该数据库列表包含消费者记录以及其中每个记录包含用于独立消费者的电子消息地址和电子付款系统的字段;
b)把消费者与在该数据库列表中的记录相关联;以及
c)向多个消费者做出促销报价,其中一个报价仅仅能够由通过为在该数据库列表中的那个消费者电子登记一个电子递送装置的一个消费者所接受。
45.一种向交互式电视的用户分发促销报价的方法,该方法包含:
a)创建一个促销报价;
b)依据他们建立的与该交互式电视服务相关联的电子联络地址,向这些用户分发促销报价,其中该促销报价能够电子地由这些用户中的至少一个所接受;
c)当电子地接受该促销报价时,把该接受的促销报价放置在一个与该接受用户相关联的赠券数据库中;以及
d)建立或者维护该赠券数据库和接受用户的支付系统的一个关联。
46.如权利要求45所述的方法,其特征在于:当由该接受用户建立与该用户交互式电视帐目相关联的支付系统时,有条件地做出促销报价的接受。
47.如权利要求46所述的方法,其特征在于:经由一个预订交互式电视频道递送该促销报价。
48.如权利要求47所述的方法,其特征在于: 该预订频道是一个用户支付一个单独费用的购物频道。
49.如权利要求48所述的方法,其特征在于: 该单独的费用是相对于通过该预订购物频道做出的购买而信贷。
50.一种通过把该促销报价和一个消费者用于兑换的支付系统相关联来兑换促销报价的方法,该方法包含:
a)建立一个与消费者相关联的赠券数据库;
b)在一个信用卡服务器处把该赠券数据库和消费者的支付系统帐目相关联;
c)在该赠券数据库中存储要被兑换的促销报价,该促销报价指定了他们能够被兑换的条件;
d)当消费者购买至少一个促销报价中规定的物品时,向消费者的支付系统帐目兑换至少一个促销报价。
51.如权利要求50所述的方法,其特征在于: 在消费者的支付系统帐单中应用该促销报价作为用于该促销报价兑换的一个信贷。
52.如权利要求51所述的方法,其特征在于:在消费者购买该物品的时候向总的购买量应用该促销报价。
53.如权利要求50所述的方法,其特征在于:促销报价是一个由消费者已经为了值而购买的凭证。
54.如权利要求50所述的方法,其特征在于:依据一个消费者的兴趣简档表自动地把该促销报价保存在该赠券数据库中。
55.如权利要求50所述的方法,其特征在于:该物品是从一个在线商人处购买的。
56.如权利要求50所述的方法,其特征在于:该物品是从一个“砖和泥”商店中购买的。
57.如权利要求56所述的方法,进一步包含:为消费者建立一个个人网站,通过其消费者能够查看为了兑换而存储的促销报价。
58.如权利要求57所述的方法,其特征在于:该个人网站进一步允许消费者管理消费者的促销报价。
59.如权利要求50所述的方法,其特征在于:建立该赠券数据库以由一个赠券服务器访问。
60.如权利要求56所述的方法,进一步包含:向消费者给出一个促销报价用于让该消费者为存储在该赠券数据库中作出选择。
61.如权利要求60所述的方法,其特征在于:向从该组中选出来的消费者给出该促销报价的方法包含:通过电子邮件向消费者递送该促销报价;作为一个标题网站向消费者显示该促销报价;在一个交互式电视显示上显示该促销报价;向消费者的蜂窝电话递送该促销报价;向消费者的卫星电话递送该促销报价;以及向消费者的个人数字助理递送该促销报价。
62.如权利要求50所述的方法,其特征在于:提供一个赠券服务器以和信用卡服务器进行通信以及从消费者的赠券数据库向信用卡服务器提供信息。
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- 2003-10-08 WO PCT/CN2003/000850 patent/WO2004032004A1/en not_active Application Discontinuation
- 2003-10-08 AU AU2003269672A patent/AU2003269672A1/en not_active Abandoned
- 2003-10-08 EP EP03750269A patent/EP1554673A4/en not_active Ceased
- 2003-10-08 CN CNA2003101183904A patent/CN1525370A/zh active Pending
-
2006
- 2006-05-03 US US11/381,510 patent/US7870021B2/en not_active Expired - Lifetime
- 2006-05-03 US US11/381,507 patent/US8036934B2/en not_active Expired - Fee Related
-
2011
- 2011-09-06 US US13/226,210 patent/US8244580B2/en not_active Expired - Lifetime
- 2011-09-06 US US13/226,206 patent/US8140386B2/en not_active Expired - Fee Related
-
2012
- 2012-08-13 US US13/584,632 patent/US8825522B2/en not_active Expired - Fee Related
-
2014
- 2014-07-14 US US14/330,768 patent/US20140324566A1/en not_active Abandoned
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN103959311A (zh) * | 2011-10-31 | 2014-07-30 | 花旗银行全国协会(N.A) | 从智能销售点终端传递信息的方法和系统 |
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US20120310721A1 (en) | 2012-12-06 |
US8036934B2 (en) | 2011-10-11 |
US20070250380A1 (en) | 2007-10-25 |
US20070136131A1 (en) | 2007-06-14 |
US8244580B2 (en) | 2012-08-14 |
US20030028518A1 (en) | 2003-02-06 |
US8825522B2 (en) | 2014-09-02 |
US20140324566A1 (en) | 2014-10-30 |
AU2003269672A1 (en) | 2004-04-23 |
US8140386B2 (en) | 2012-03-20 |
EP1554673A1 (en) | 2005-07-20 |
EP1554673A4 (en) | 2005-12-07 |
JP2006514351A (ja) | 2006-04-27 |
US20110320253A1 (en) | 2011-12-29 |
WO2004032004A1 (en) | 2004-04-15 |
US7593862B2 (en) | 2009-09-22 |
US7870021B2 (en) | 2011-01-11 |
US20110320257A1 (en) | 2011-12-29 |
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