KR20150090146A - Improvements relating to multifunction coupon processing sysytems - Google Patents

Abstract

A multifunction coupon processing system for issuing and processing a plurality of multifunction coupons is disclosed. The system includes a plurality of multi-function coupon-issuing terminals provided in an unregulated position; A unique identifier generating unit for generating a unique identifier to be provided together with the issued multifunction coupon upon request; And a central coupon processing server located apart from the plurality of terminals and in data communication with the plurality of terminals, wherein the central coupon processing server processes the exchange of the multifunction coupon in relation to the first function of the coupon Master function processor; A proxy function processor responsive to the issuance of the coupon to perform a purchase of a proxy-based long-term investment product; And a personal information module for receiving and storing personal information related to the purchaser from a security-controlled position, wherein the master function processor is entitled to use the personal information of the customer, Transfer the rights of the goods.

Description

[0001] IMPROVEMENTS RELATING TO MULTIFUNCTION COUPON PROCESSING SYSYTEMS [0002]

The present invention relates to an improved multifunction coupon processing system. More particularly, but not exclusively, the present invention is directed to an improved method and apparatus that can be used in non-regulated environments for FMCG (Fast Moving Consumer Goods) and can also provide access to functions that require a regulated environment The present invention relates to a multifunction coupon processing system.

The invention arises from the long-felt need to focus on long-term financial investment products for large-scale populations within the constraints of investment accepted under the country's limited financial laws. Many people are reluctant to purchase these products despite the long-term savings, due to the complex nature of the purchase and the time it takes to complete the transaction. And there is generally financial illiteracy within certain groups of society, and therefore they need to be incentive to buy financial investment products.

Another barrier to purchasing financial investment products is that customers must complete their know-how client (KYC) process due to anti-money laundering regulations. These processes should be performed by qualified personnel who are trained to distinguish whether the identification documents such as passports and driver's licenses are genuine or fake, and should therefore normally be performed in controlled security zones such as banks or post offices. Also, the complexity is relatively slow compared to normal trading at a point of sale (POS) terminal, since it takes a few minutes for customer identification (KYC) processes.

Thus, it would be good to be able to purchase financial investment products through store terminals, such as daily consumer goods stores, for example supermarket checkout or convenience stores. However, the clerks working at daily consumer goods stores have not received the qualifications / training required to perform the customer verification process, nor are the general consumer goods stores controlled. Furthermore, due to the inherent incompatibilities of daily commodity grocery retailers and the prerequisites of the aforementioned financial investment products, most financial authorities do not allow the sale of investment products in unregulated locations, The process will take too long. As a result, it is not possible to sell investment products at the store terminals in the consumer goods stores. And, if someone is attempting to perform a regulated action in an unregulated location, certain realistic problems will arise. For example, due to the time pressure to complete a transaction at the store terminal, a keystroke error or problem in the customer identification process will be a disaster in the efficiency of the store terminal. In other words, it will take too much time to solve this problem compared to the conventional store terminal problem. Also, for example, in a non-secure environment, problems may arise with customers who provide their personal details (name, birthday, address) verbally, and data entry can become very complex. If the recorded document is needed, the customer will not have it at the time of purchase. Furthermore, it will not be easy for customers to give their personal details to people working in an unstable retail environment.

Our co-pending, published WO 2009/01960, which is incorporated herein by reference in its entirety, provides a two-step process in which options for purchasing investment products (long-term functions) at a store terminal are purchased along with short- Describes a multifunction ticket to provide a system for handling compatibility. These prior art documents also aim to provide financial investment products that follow various restrictive financial laws. Customer identification is addressed in the second phase, which is performed offline at a later regulated location. However, as options are not always exercised, using these prior art systems for investment products is usually not implemented. Also, if these options are finally exercised (perhaps months or years later), investment conditions may have changed significantly. And, as financial investment products are purchased after considerable hours from the purchase of a multifunctional ticket, this can lead to the loss of the value of a popular investment.

It would be desirable to provide an improved system and method in addition to WO 2009/019602 which addresses some of the problems described above.

According to an aspect, the present invention is directed to a multifunction coupon processing system for issuing and processing a plurality of multifunction coupons, the system comprising: a plurality of multifunction coupon-issuing terminals provided in an unregulated location; A unique identifier generating unit for generating a unique identifier to be provided together with the issued multifunction coupon upon request; And a central coupon processing server located to remotely communicate data with the plurality of terminals, wherein the central coupon processing server comprises: a master function processor for processing the exchange of the multifunction coupon in relation to the first function of the coupon; A proxy function processor responsive to the issuance of the coupon to perform a purchase of a proxy-based long-term investment product; And a personal information module for receiving and storing personal information related to a purchaser from a security-controlled location, wherein the master function processor is entitled to use the personal information of the customer, Transfer the rights of the goods.

An advantage of the present invention is that it sells coupons with "codes" that allow access to various commercial user benefits. These codes allow the customer to access these benefits via terminals or smart phones or any other suitable platform. The term multifunction means that there must be at least three different functions in the coupon.

According to one embodiment of the present invention, a portion of the revenues from the sale of coupons are used to purchase investment products in the name of the operator by an " operator " that already meets the customer verification requirements. The investment product is technically purchased at a regulated location or with a regulated entity. At this stage of the process (assuming the client did not complete the customer verification process), the customer purchased the retail product and the operator purchased the investment product.

After the initial sale of the coupon, the customer can complete the customer verification process in a regulated location. At the same time, the customer agrees that the operator has access to his / her personal details / information (e.g., his mobile phone number). In addition, the customer can receive a personal identifier (i.e., a personal identification number) from an operator, and then use it instead of re-providing all of their customer identification details. The investment belongs technically to the operator, but is transferred (transferred) to the customer once the customer verification process is completed.

When completing the customer verification process, the investment product is purchased again in the name of the operator and automatically transferred to the customer when the next customer purchases the coupon (and gives his / her personal ID number). So-called 'theoretical-free' investment. It is a "free" investment because the customer paid for a particular product and provided some personal data.

The present invention has advantages over those disclosed in WO 2009/019602. For example, the difficulties of the customer identification and anti-money laundering registration process are satisfied in a more efficient manner in the present invention. Specifically, it is fast, easy and attractive to customers who are not burdensome to the retailer in time, difficult to achieve without expensive training and skills, do not break regulated rules that work on the consumer goods outlets used for the sale of investment Method of providing financial investment products to customers.

Unlike the process described in WO 2009/019602, in the present invention, the investment product is purchased by the operator as soon as the coupon is created, and the customer confirmation process is performed only once per customer. In WO 2009/019602, the customer verification process was performed once per coupon / investment product.

The present invention will now be described by way of example with reference to the accompanying drawings as follows.
1 is a schematic diagram illustrating a multifunction coupon for use with a system according to an embodiment of the present invention;
Figure 2 is a schematic block diagram of a system for generating and authenticating the multifunction coupon of Figure 1 according to one embodiment of the present invention;
Figure 3 is a schematic block diagram of the multifunction coupon server shown in Figure 2;
Figure 4 is a schematic block diagram of a data structure provided in the master coupon database shown in Figure 2;
5 is a schematic block diagram of the POS terminal shown in Fig. 2 for generating the multifunction coupon shown in Fig. 1; Fig.
Figure 6 shows an overview of the steps performed in the POS terminal of Figure 5 to implement an embodiment of the present invention;
Figure 7 shows an overview of the steps performed in the coupon server of Figure 3 to implement an embodiment of the present invention;
Figure 8 shows an overview of steps performed in a customer identification (KYC) process implemented by the system of Figure 2;
Figure 9 shows an overview of the steps performed in the third function incentive process implemented by the system of Figure 2;
Figure 10 shows an overview of the steps performed in the coupon server to implement an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described. Referring to Figures 1 and 2, this embodiment relates to a system 1 that is configured to create and exchange multi-function coupons 10. Coupon 10 is provided thereon (typically by printing) a unique identifier (or a unique coupon identification number, 12) generated upon request when coupon 10 is created. Although the physical coupon 10 is described in the present embodiment, the coupon 10 may be created in the form of an electronic coupon in an alternative embodiment and may be present in the customer's mobile device (e.g., a smart phone) It will be understood by those skilled in the art that the foregoing description,

Returning to the physically printed coupon 10, the coupon 10 also provides information about the first function of the coupon 10, for example, a financial savings (discount) for successive purchases of a particular good or service Section < / RTI > On the contrary, the coupon 10 can be purchased only for the first function in order to seek the benefit of the first function. However, the multifunction coupon 10 may be more useful due to its additional functionality. Another function of the coupon 10 is to provide the first function and the agency function of the customers at the same time. More rigorous interactions with customers are required to enable customers to benefit from agency functionality, which is not appropriate for a consumer grocery store environment. An example of an agency function is a financial investment function that requires interaction between a customer and a customer, for example.

The agent function is not described in detail on the coupon 10, but rather something caused by issuance of the coupon 10. The agency function is implemented by the operator of the system without requiring a more rigorous interaction with the customer, for example, a customer confirmation (KYC) process, whereby the process of purchasing the coupon 10 is carried out at a POS ) Terminal transactions can be accomplished relatively quickly.

The coupon 10 has a second function information section 16 which allows the customer to set information on how the coupon 10 can fulfill the second function. In an embodiment that is not limited to this, the second function may be a lottery that the customer can participate by selecting the numbers to be filled in the lottery. In this case, the user selection numbers for the prize draw are also printed on the coupon 10 as user selection options 18. Other secondary functions that provide incentives to the customer may also be used in other embodiments of the present invention. Finally, the coupon 10 includes a section 20 for providing information about the third function of the multifunction coupon 10. An example of the third function may be another incentive function that can be utilized if the customer participates in the more rigorous interaction required for the agency function at a later stage. For example, when a customer is utilizing a financial investment function, a customer identification process linked to the financial investment function is required. By way of example, and not by way of limitation, the customer must provide his / her personal description in answer to the assignment or renewal of the relevant financial investment product that was previously purchased by the operator under the agency upon creation of the multifunction coupon 10.

2 shows the system 1 of this embodiment in more detail. The system includes a plurality of other store terminals 22 provided in the non-secure and non-regulated locations 24. The first type of store terminal 22a may implement the first and second functionality on a single terminal. The second type of store terminal 22b can provide the first type of functionality and has provided the second functional terminal 26 within the non-secure, non-regulated position 24. [ However, although the function in the store terminal 22 is shifted to another method (details will be described later), the result for the customer and the system operator is the same.

Each of the store terminals 22 and the second functional terminal 26 is connected via a telecommunication network 28 to a versatile coupon server 30 which controls the functionality of a number of functions associated with the coupon 10. The coupon server 30 can not only generate the multifunction coupon 10 but also can be involved in authentication of the coupon when the function is subsequently used. The operation of the coupon server 30 will be described in more detail hereinafter. However, in order to carry out the authentication of the multiple functions of the multifunction coupon 10, three different databases are provided, namely a master coupon database 32, a purchased investment goods database 34 and a personal information database 36. The master coupon database 32 stores each of the unique identifiers 12 of the multifunction coupon issued when the coupon 10 is created. The coupon server 30 further stores information associated with the coupon 10 related functions so that the coupon server 30 can manage and control other functions associated with the multifunction coupon 10. [

The coupon server 30 is also arranged to cooperate with the other dedicated servers configured to provide a single main function through the communication network 28. In the proxy function, a proxy server 38 (investment server 38 in this embodiment) connectable via a communication network 28 is provided. The proxy server 38 also has a local proxy database 40 of products or services that are intended for agency functions. In this embodiment, the local database 40 includes an investment goods database 40 having a plurality of different investment products, each of which has its own unique investment product numbers 42 in it. Preferably, the purchased investments are micro investments as coupon prices can be kept fairly low, for example, to be kept at $ 1 and the amount of investment can be determined to be less than $ 1.

The multifunction coupon server 30 can communicate with the second function server 44 via the communication network 28. [ The second function server 44 also has therein a corresponding second function database 46 storing multifunctional unique coupon IDs and second function user selections 18. By way of example, and not limitation, the second function may be a weekly product lot, and the second function server 44 operates to select any winning numbers each week and publish the numbers. As a result, the second function server 44 may have stored the unique ID number 12 of all the winning coupons and the numbers selected by the customer in the purchase of the coupon 10 in its second function database. Thus, the second function server 44 may be used to prove a true claim for all goods. However, interacting with all the assertions from the customer can be done through the multifunction coupon server 30 (details will be described later).

The third function server 48 is also connected to the second function server 44 in that it communicates with the coupon server 30 via the communication network 28 to provide a third function provided on the coupon 10 to the coupon- Operate similarly. The third function server 48 also has a corresponding third function database 50 (described below) that stores multifunction unique coupon IDs and third functional user selections. By way of example, and not limitation, the third function may be a monthly goods lot, and the third function server 48 operates to select any winning numbers each month and publish the numbers. After the purchase of the coupon 10 in the third function database 50 of the third function server 48 itself as in the second function server 44, a more rigorous interaction with the customer is performed at a location different from the store terminal 22 The unique ID number 12 of all the winning coupons and the numbers 52 selected by the customer. As a result, the third function server 48 may be used to prove a true claim for all goods associated with the third function. However, interacting with all the assertions from the customer can be done through the multifunction coupon server 30 (details will be described later).

Figure 2 shows that both the rigid interaction terminal 54 and the third functional terminal 56 are provided in the secure / regulated location 58. [ The secure / regulated location 58 would be an operator trained to assess and determine whether the stricter interaction terminal 54 operator is more likely to have a more stringent interaction with the customer that the customer needs to realize the agency function of the coupon It is a place to be. By way of example, and not by way of limitation, the security location may be a bank or post office, and a more stringent interaction may be to prove his identity using a document legally acceptable to the customer.

Once the customer has completed the more stringent interactions required for the agency function, the third functional terminal 56 may interact with the system 1, for example, to select his / her goods lottery numbers and input them into the system 1 for a monthly lottery , It can simply be a goods lottery terminal. To obtain entitlement to use the third function, it is necessary to obtain positive results from more stringent interactions performed by the trained operator using the terminal 54. Although the third functional terminal 56 need not be provided in the secure / regulated location 58, according to the present embodiment, the proximity may allow the customer to complete the more stringent interaction without having to move to another location, It is advantageous to immediately access the incentive provided through the third function terminal 56.

Describing the overall system 1, the multifunction coupon server 30 will now be described in more detail with reference to FIG. The coupon server 30 includes a communication module 60, a proxy product module 62, a stricter interaction information module 64 and a master coupon processing module 66. The communication module 60 is configured to communicate with all the terminals 22, 54, 56 and the servers 38, 44, 48 to fulfill the multiple functions of the coupon 10. The proxy product module 62 is configured to purchase proxy products by interaction with the proxy server 38 and the proxy dB 40. In this embodiment, the proxy product module 62 is configured to purchase investment products from the investment goods server 38 and the investment goods database 40. The purchase of the investment product is simply to return the investment item number 42 to the purchased investment goods database 34 for the right of the product held by the operator of the system at first. Then, once the customer completes the specific interaction required at the secure / regulated location terminal 54, this right is transferred to the customer.

A more rigorous interaction information module (or customer confirmation personal information module) 64 may simply include a personal information database 36 to record a customer ' s personal profile in a customer verification process performed via security location terminal 54 It is a module designed to cooperate. The customer confirmation personal information module generates a unique personal identifier assigned to the customer (see FIG. 4 - described later) when the security position terminal 54 completes a more stringent interaction with the customer. The customer confirmation personal information module includes a personal identifier generation module (not shown). Later, however, this unique identifier may be advantageously used as a basis for retrieving pre-stored personal information instead of re-entering all of the customer's personal details one more time.

The master coupon processing module 66 is arranged to control the overall function of the coupon server 30 and to manage all other functions associated with the multifunction coupon 10. More specifically, the master coupon processing module 66 holds detail records of each unique coupon identifier generated and related information associated with the coupon in the master coupon database 32. [ Preferably, the unique coupon identifier generator 68 is located in the master coupon processing module 66 as the best security implementation and method for generating coupon identifiers. In addition, updating the master database with pre-generated coupon identifiers eventually requires less communication. However, alternatives for having a plurality of local unique coupon identifier generators provided in each store terminal 22 are possible in other embodiments already mentioned.

The master coupon processing module 66 holds all the coupons 10 issued to the master coupon database 32 and when the coupon 10 is searched for exchange the master coupon processing module 66 sends the coupon 10 (I.e., within the effective date of the coupon 10) only for the authorized goods / services and prior to authorizing the provision of the benefits of the coupon 10 ) Confirm to judge. In this regard, the master coupon processing module 66 may receive a coupon cashing request from all the store terminals 22 via the communication module 60. [ The master coupon processing module 66 also controls the instructions for each of the second and third function servers 44 and 48 as well as the proxy server 38 to implement the functionality of the multifunction coupon 10.

Referring now to FIG. 4, a schematic diagram of the information stored in the master database 32 is shown. For each generated unique ID (coupon ID) 10a, 10b, a list of associated information is provided to the master database 32. [ This information includes the second function selection variables 18a and 18b, usage fields 70a and 70b indicating whether coupons 10a and 10b have already been used (exchanged), and proxy products And a proxy product identifier field 42a, 42b (an investment product identifier field purchased in this embodiment) connected to the coupon 10 from which the acquisition is triggered. The list of link information also includes details of the third function selection parameters 74a, 74b and some valid information about the cashing of the coupons, e.g., coupon dates that can be used to verify that the cashing occurred during the validity period (76a, 76b). Finally, the master database 32 also stores the results 78 of the second function and the results 80 of the third function received from the second and third function servers 44, 48, respectively. The master coupon processing module 66 may utilize these results to verify that the prize money that could be associated with the second and third functions has been paid and that a receipt of such payments to prevent improper claims has been stored.

Referring now to FIG. 5, the POS terminal 22 includes several modules for performing the process of creating a multifunction coupon relatively quickly in a consumer goods (FMCG) shop environment. A display / data entry keypad 82 is provided to allow the customer to see what next steps are required to purchase the coupon 10 from the store terminal operator (or to enable full user interaction if it is a fully automated store) do. The display can be a touch screen for easier user interaction. It is also contemplated that a scanner 84 may be provided to scan and identify items for purchase as well as to scan the coupons 10 and to determine the status of the coupons 10 when the terminal 22 is being used to exchange the coupons 10. For example, So that the unique ID numbers 12 can be read by the terminal 22. When the customer has paid for the coupon 10 or purchased some of the goods / services included in the price of the coupon 10, the customer shop terminal 22 requests So that the multifunction coupon 10 can be printed. All of these configurations connect to the store processor module 88, which performs the function of collecting information from the keypad 82 and the scanner 84 and transferring the data to the printer 86. Each type of product sold has a unique item number stored in the product / coupon database 90 coupled to the store processor module 88. In addition, the database 90 stores information as to whether the sale of the specific type product generates the multifunction coupon 10. This enables automatic generation of coupon 10 when associated with a product of the type to be implemented.

Each terminal 22 includes a communication module 92 for communicating with the coupon server 30 via the communication network 28. This is because the master coupon processing module 66 of the coupon server 30 has not only to generate the coupon when the unique ID generating section 68 generates the unique ID number 12, It is also important when all of these functions are searched for use. As another embodiment, a local unique ID generation unit 94 may be provided in the store (POS) processor module 88 rather than the master coupon processing module 66. [ The advantages and disadvantages of this approach have been discussed elsewhere.

Referring to FIG. 6, an overview of a process 200 implemented in a store terminal 22 for implementing an embodiment of the present invention is shown. Although this process 200 describes user interaction, it will be appreciated that this process must merge the technical processes and functions necessary to implement this process. Skilled recipients will be aware of the specific implementation steps that are used to apply the user interaction in practice, so that a detailed description thereof will be omitted.

In activating the multifunction coupon generation process 200, there are two different paths to the customer. The first path is that the customer actively determines the purchase of the multifunction coupon 10 at step 202. [ This can be implemented in the store terminal 22, for example, such that the customer simply requests the multifunction coupon 10 from the supermarket cash register to the operator of the store (POS) terminal 22. The second path includes a customer purchasing a product or service associated with the multifunction coupon 10 at the store terminal and may be configured to check the product / multifunction coupon database 90 accessible to the store terminal 22, ). If the product / service code (typically in the form of a barcode that can be scanned into the product) does not have a corresponding multifunction coupon 10 (as determined by checking the product / multifunction coupon database 90) Step 206 ends.

If the customer decides to purchase the multifunction coupon 10 or if there is a multifunction coupon associated with the merchandise / service purchase, the creation of the multifunction coupon 10 is activated at step 208.

In step 210, the customer is provided with an option to use the personal identification number (personal ID number) associated with the customer by the store terminal 22, which will be described in more detail with reference to FIG. This option may be provided to the customer at the stage of the multifunction coupon 10 purchasing process or at a stage before or after the multifunction coupon 10 purchase process. If the customer does not have an ID number or has one, but does not want to use (at the time), the customer does not enter his personal ID number at that time, as determined at step 212. If the customer wants to use his or her personal identification number as determined at step 214, it may provide it at step 214 in some other way. For example, the customer can manually enter it on the keypad in the store terminal 22 or activate the app on the customer's mobile phone to transfer the personal ID number to the POS terminal 22, (POS) terminal 22 to be scanned by the scanner of the POS terminal 22. These methods are advantageously low in cost and do not affect the scalability of the present embodiment. Another embodiment where the equipment cost is high is for a personal identification number that is bound to a stored biometric representation such as a fingerprint or iris of a customer, and the store terminal 22 stores the personal identification number Simply request to be biometric scanned.

Preferably, after the customer is presented with the option of using the personal ID number at step 210, the customer at step 216 determines whether the customer desires to provide second functional details at the POS terminal 22, Option.

If the customer wishes to enter the second functional details now as determined at step 216, the system may receive the second functional details entered in some other manner as indicated at step 218. [ For example, the customer may activate the app to manually input details into the keypad at the store terminal 22, transfer the second functional details to his POS terminal 22 on his or her mobile phone, 22 on the screen of the mobile device. A non-limiting example of the second functional details may be numbers selected by the customer for a first merchandise draw (i.e., a first short-term multiple-entry event). As another embodiment, there is also an option for the store terminal 22 to arbitrarily select the second function data for the customer.

 Once the customer ' s second functional details are entered at step 218, these details are delivered to coupon server 30 at step 220, which are stored in master coupon database 32 and include a unique coupon identification number ) ≪ / RTI > The unique ID number 12 is generated in the store terminal 22 in a local way, that is, by the local unique ID number generator, and is later transmitted to the coupon server 30 and stored in the master coupon database 32 . The advantage of this approach is that the coupon 10 is created very quickly with the unique ID number 12. However, the creation of a local unique ID number may be more vulnerable to security. Alternatively, the unique ID number 12 may be generated remotely from the unique ID number generator of the master coupon processing module 66, i.e., the coupon server 30 itself, and stored in the master coupon database 32. The advantage of this approach is that it can be done very safely. However, the creation of a remote unique ID number is slow compared to creating a local unique ID number, which makes the coupon 10 generation process longer.

The process continues with the unique ID number 12 that is linked to the second functional details at step 220 and optionally the personal ID number if the personal ID number is entered. The link to these details may be made either locally before sending the details to the coupon server 30, or remotely from the coupon server 30 once all the details have been received.

Then, the multifunction coupon 10 is created through the store terminal 22 in step 224. The multifunction coupon 10 preferably includes details of the unique ID number 12 and second functional details (and optionally a personal ID number if entered). The multifunction coupon 10 is then provided to the customer who is able to utilize all of the versatility in step 226. A unique coupon identification number (unique ID number) 12 is created in step 228 if the customer was reluctant to enter his or her second functional details as determined in step 216. [ The unique ID number 12 can be generated in a local way, i.e., by the local unique ID generator in the store terminal 22, in which case it is later transferred to the coupon server 30 and stored in the master coupon database 32 . The advantage of this approach is that coupon 10 with unique ID number 12 is created very quickly. However, the creation of the local unique ID number may be more vulnerable in terms of security. Alternatively, the unique ID number 12 may be generated remotely from the unique ID number generator of the master coupon processing module, i.e., the coupon server 30 itself, and stored in the master coupon database 32. The advantage of this approach is that this step is performed very securely. However, the creation of the remote unique ID number is slower in comparison with the generation of the local unique ID number, and can make the process of creating the coupon 10 longer.

Then, the multifunction coupon 10 is created through the store terminal 22 in step 230. [ The multifunction coupon 10 preferably includes details of the unique ID number 12 (and optionally a personal ID number if entered). Thereafter, in step 232, the second functional details are entered and associated with the unique ID number 12 of the multifunction coupon, the multifunction coupon 10 Is provided.

At step 234, an option is then presented to the customer whether or not they wish to provide their second functional details at this time, i.e., every time after receiving the multifunction coupon 10.

As determined at step 236, if the customer is reluctant to enter his or her second functional details at this time, the customer does not need to connect to the other functionality of the multifunction coupon 10 but still has access.

As determined at step 234, if the customer wishes to enter his or her second functional details at this time, the coupon 10 of the customer, as determined at step 238, may be provided with a unique ID number 12 of the customer ' Scanned / read should be done in all suitable ways to acquire. Once the unique ID number 12 of the customer's multifunction coupon 10 is obtained, it can communicate with the coupon server 30 and connect to the details of the multifunction coupon 10 to communicate.

The system may include customer ' s second functional details, such as, for example, the customer entering customer details into the store terminal 22 on the keypad or activating the app on his or her mobile phone, Lt; / RTI > Thereby, the second functional details can be transmitted to the store terminal 22 or the second functional details can be presented on the screen of the mobile device, which can be scanned by the scanner of the store (POS) terminal 22. A non-limiting example of the second functional details may be numbers selected by the customer for a first merchandise draw (first short-term multiple-entry event). In another embodiment, there is also an option for the store terminal 22 to randomly select such second function data of the customer. When the customer ' s second functional details are entered at step 240, these details are sent to coupon server 30 at step 242 and stored in master coupon database 32. [

The process continues with the unique ID number 12 and the second functional details linked to each other at step 242 and with the personal ID number if entered. The link to these details may be made either locally before delivery of the details to coupon server 30, or remotely from coupon server 30 once all the details have been received.

Then, at step 244, a receipt is preferably generated via the store terminal 22. The receipt preferably includes the details of the second functional details and optionally also the unique ID number 12 (which may be a personal ID number if entered). The receipt is then provided, at step 244, to the customer who is now able to access the second function of the multifunction coupon 10.

Referring to FIG. 7, there is shown an overview of a process 246 implemented in a 'server' to implement an embodiment of the present invention.

As described above, during the process of generating the multifunction coupon 10 at the store terminal 22, the unique ID number 12 is generated at the store terminal 22 or the coupon server 30, and the unique ID number 12 is specified And is associated with the multifunction coupon (10). This unique ID number 12 is selectively transmitted to the coupon server 30, which in step 248 receives notification of the creation of the new unique ID number 12. The unique ID number 12 may also be generated remotely from the coupon server 30 itself, i.e., the unique ID number 12 of the master coupon processing module. In this case, the coupon server 30 already has the details of the unique ID number 12 for the specific multifunction coupon 10. Coupon server 30 stores the unique ID number in master coupon database 32 as a new record at step 250.

The operator then purchases a proxy-based proxy product or service from the proxy server 38 at step 252. [ In this embodiment, the proxy product is an investment product. This investment product is then linked to the unique ID number 12 stored in the master coupon database 32 at the coupon server 30 at step 252. The operator is entitled to purchase investment products as they complete the know-your-client (KYC) process. In the process of this stage, the investment product is completely owned by the operator. The transfer of ownership of the investment product from the operator to the customer takes place as soon as the customer completes the third functionality (customer identification (KYC)) of the multifunction coupon.

At step 254, a confirmation is made to know if the second functional details have been received in relation to the unique ID number 12 at the coupon server 30. If the second functional details have not been received, the process is not continued until it is received, as indicated in step 256. If the second functional details have been received for the customer ' s multifunction coupon, it is stored in the coupon server 30 at the coupon server 30 at step 258 and stored in the master coupon database 32, 12 is linked to the second functional details (also the personal ID number if entered) at step 258. [

At step 260, confirmation is made at the coupon server 30 to see if a personal ID number has been entered in connection with the unique ID number 12. If the personal ID number associated with the unique ID number 12 has not been entered, then an option to enter the customer's personal ID number and complete the customer identification is presented at step 262 (see FIG. 8).

If the customer is reluctant to complete the customer verification, the process ends as indicated at step 264. If the customer wishes to complete the customer verification, he needs to visit the regulated location 58 to do so, as indicated in step 266 (see FIG. 8).

If the personal ID number has been entered by the customer, the coupon server 30 retrieves the details using the customer's personal ID number in step 268. [ The investment goods are then linked to the customer's personal ID number at step 270, which is performed on the coupon server 30 side or in any suitable manner.

As soon as these details are linked, the investment product may be transferred to the customer with the personal ID number at step 272. Thus, ownership of the investment goods in the process of this step is transferred from the operator to the customer. At step 274, the investment item details are stored in the master coupon database 32 on the coupon server 30 side with the account associated with the customer's personal ID number. At step 276, the customer is informed of the investment product details.

Referring to FIG. 8, an overview of a process 278 (i. E., A Customer Identification (KYC) process in this embodiment) is shown to further embody an embodiment of the present invention. While this process 278 focuses on user interaction, it will be understood that this process merges the technical processes and functions that are needed to implement this process. Skilled recipients will be aware of the specific implementation steps that are used to apply the user interaction in practice, so that a detailed description thereof will be omitted.

Figure 8 continues from the step of Figure 7 (i.e., step 266) with the option of the customer going through the step of completing the customer confirmation (KYC). The customer verification process can be performed by someone who is qualified or trained in the relevant field. Thus, the customer verification process is usually performed at a regulated / secured location, but can also be done elsewhere. Thus, as indicated at step 280, the customer enters a generally regulated location 58 to complete the customer verification process.

At step 282, the customer is presented with an option to take ownership of the investment product using the third function of the versatile coupon 10, i.e., completing the customer verification process. If the customer does not wish to use the third function, go to step 284. If the customer desires to use the third function but has already a personal ID number, such as step 286, the customer identification process must be performed only once and the process can not proceed any further and the process should end as indicated in step 286 . The exception to this is if the customer has forgotten / lost their personal ID number. In this case, you can get information about your personal ID number when you present your personal profile. However, in this situation, the customer may not have a third functional incentive because he already had an opportunity to use it.

If the customer now wants to utilize the third function (at step 282), but does not yet have a personal ID number, such as the confirmation at step 288, the customer can proceed to step < RTI ID = 0.0 > 290 to present his / her own multifunction coupon 10 to be read / scanned in any suitable manner. If the unique ID number 12 of the customer's multifunction coupon 10 has been obtained, then it communicates with the coupon server 30 to access and communicate details of the multifunction coupon 10.

The customer then provides his personal profile to the qualified person at step 292 and confirms the details of the customer at step 294 to see if the customer can have the investment product. An example of a failing customer could be someone who appears on some form of official registration as having a serious debt. If the customer's personal profile is insufficient and / or if the customer fails to meet the requirements of the customer verification process, the process ends at step 296.

If the customer's personal details are sufficient to pass the requirements of the customer verification process, the customer's unique ID number 12 and approved customer verification details are sent to the coupon server 30 at step 298, and at step 298 Are linked to each other. If the customer passes the customer identification (KYC) process, a personal identification number is generated at step 300 and associated with the corresponding customer. This personal ID number is preferably generated at the coupon server 30 and thereafter linked to the unique ID number 12 associated with the customer's multifunction coupon 10 at step 300 and an investment associated with the unique ID number 12 at step 300 And can be linked with the product.

If these details are linked, the investment goods can be transferred to the customer with the corresponding personal ID number at step 302. Thus, ownership of the investment goods is transferred from the operator to the customer in the process of this step. At step 304, the investment goods details are stored in the coupon server 30 in the master coupon database 32 in the account associated with the customer's personal ID number. At step 306, the customer is informed of the details of his investment product.

Referring now to FIG. 9, an overview of a process 310 (third function incentive process) for implementing an embodiment of the present invention is shown. While this process 310 focuses on user interaction, it will be understood that this process merges the technical processes and functions required to implement this process. Skilled recipients will be aware of the specific implementation steps that are used to apply the user interaction in practice, so that a detailed description thereof will be omitted.

FIG. 9 continues from the last step 308 of FIG. 8 where the customer has completed the customer confirmation (KYC) process, so that the customer can have the third function of the multifunction coupon 10. As an incentive for completing the customer confirmation (KYC) process, a second prize draw (a second short-term multiple entry event) is provided to the customer as an additional benefit of the versatile coupon 10 at step 312. That is, the customer is presented with an option to use the third function incentive in step 312. If the customer is reluctant to use the third function incentive, the process is terminated as indicated at step 314.

If the customer wishes to use the third function incentive, the customer enters his / her third function incentive details at step 316. The third functional incentive details may be provided in a number of different ways. For example, the customer may manually enter details with the keypad at the regulated location 58, or the customer activates the app on his or her mobile phone to transmit the second functional details to the regulated location 58, And may present third functional incentive details on the screen of the mobile device so that it can be scanned by the scanner of the location 58. [ Non-limiting examples of third functional incentive details may be customer-selected numbers for a second prize draw (the second short-term multiple-entry event). In another embodiment, there is also an option for the regulated location 58 to arbitrarily select such second function data for the customer.

If the customer ' s three function incentive details have been entered in step 316, these details are sent to coupon server 30 where the details are stored in master coupon database 32 in step 318, Is linked with the unique ID number (12) and the personal ID number. At step 318, the link to these details may be fulfilled at other locations, i.e. at the regulated location 58 or at the coupon server 30.

At step 320, confirmation is received that the third function incentive details have been uploaded to the coupon server 30. Thereafter, at step 322, a receipt is generated at a preferably regulated location 58, the receipt preferably includes third functional incentive details, and optionally also a unique ID number 12 (and also a personal ID number) . The receipt is then provided at step 322 to the customer who is now able to access the third function incentive of the multifunction coupon.

Referring to FIG. 10, there is shown an overview of a process 324 in a 'server' for implementing an embodiment of the present invention.

As described above, in step 326, the customer is presented with the option to use the third function incentive, and in this situation, the customer decides to use the third function incentive in step 326. As described above, during the process of creating the multi-function coupon 10 on the store terminal 22, the unique ID number 12 is generated in the store terminal 22 or the coupon server 30, Is associated with a specific multifunction coupon (10).

 Thereafter, at step 328, a confirmation is made at the coupon server 30 side to see if the third functional incentive details have been received in association with the customer. If the third functional incentive details have not been received as in step 330, the process does not proceed until received.

If the third function incentive details are received as in step 332, it is stored in the coupon server 30 at the master coupon database 32 at step 332, and the process of this step, or the earlier or later step, 12 is preferably linked to the third functional incentive details in step 332 also to the personal ID number. Thereafter, at step 334, a confirmation is received from the coupon server 30 that the third function incentive details have been uploaded to the coupon server 30.

The receipt is then generated at a preferably regulated location 58 at step 336, and the receipt preferably includes the details of the third function incentive details, and optionally also the unique ID number 12 (which may also be a personal ID number) . The receipt is then provided to the customer who is now able to access the third function incentive of the multifunction coupon 10 at step 336.

Other embodiments based on the use of the system 1 described above will be described below. The customer purchases a commercial coupon / ticket at a point of purchase (using the system terminal 22) rather than an investment item. This enables the purchase of coupons at a wide variety of non-regulated locations 24. The coupon includes at least one commercial user benefit associated therewith, for example a discount on goods and services. The purchase entails a selection of users corresponding to a series of numbers in a manner similar to a lottery or prize draw, and the coupon is the actual input to this prize draw. The coupon also includes the right to have the investment right transferred to the coupon holder in the non-monetary exchange of the rights to the personal data belonging to the customer subject to the completion of the customer in a single customer confirmation (KYC) process.

The system terminal is one of a large number of terminals linked to coupon server 30 and a database provided in coupon server 30. These configurations form a system.

The operator of the system (hereinafter referred to as the "operator") immediately uses the percentage of revenues (belonging to 100% operator) from the sale of commercial coupons in order to purchase some items of investment / financial instruments from a third party or other private bank. Purchased investment / financial instruments (which can be many different forms) belong to the operator at 100% of the processes in this phase.

The numbers selected by the coupon owner (customer) who bought the coupon or after the purchase are automatically associated with the coupon and are automatically entered into a regular cycle, for example, a weekly product lottery. The customer then has the opportunity to choose the start of a second (technologically separate) transaction that provides additional input to the prize draw, providing additional opportunities to win. In addition, the customer may choose not to start such a second transaction, so that he or she may choose to use the coupon purely for commercial purposes, e.g., for a number of unique benefits provided by the coupon, further ahead of the merchandise or investment.

The second transaction is a transaction that allows the coupon holder to tell the operator that he / she has entered his / her chosen number for the investment / financial product and related prize draw, Access to personal data and the right to use it. This second, data-swap transaction allows coupon holders to present themselves in banks or other regulated areas to complete the customer confirmation (KYC) process only for the first time. As a result of this process, the coupon holder receives a unique identifier (unique ID) from the system that will be later recognized by the system. This registration process for the investment / financial product may occur at any time up to a predetermined number of months after the coupon is sold, or an initial item lottery may take place in connection with a particular coupon. This can happen irrespective of the holder's coupon being the winning coupon. If the coupon holder's coupon is a winning coupon, you may be able to withdraw from the initial prize.

Anytime, anywhere, these customers will be able to purchase new coupons to receive investment / financial instruments, and to participate in a second transaction that does not have to repeat the customer verification process at the bank to obtain additional goods (if they are really winning). Rather, the customer must use a unique ID at the time of purchase (i.e., an operator-provided ID when the customer confirmation (KYC) process is successfully completed). Which automatically brings a second transaction for the exchange of a nominal "free" investment for the operator's right to use the customer's data for targeted marketing purposes.

The operator of the system is in fact an investment to access personal data about the customer (and all rights to the products linked to those investments) now and in the future of someone who finds and completes the customer identification (KYC) process .

Using a unique ID when buying coupons allows the operator to quickly go to the investment stage with a "technically" short lapse of time to invest in his or her own profits and deliver it to the customer.

If a customer who has been identified by the customer forgets his or her own ID at the next purchase, the second transaction can occur afterwards by providing his / her ID back to the customer-that is, the customer changes his / Unless you need to inform them of changes, you should only participate once in your entire life in the customer verification process.

In fact, for only one opportunity to complete the customer verification process, and for all subsequent opportunities, the operator will be required to provide the operator with the right to transfer any investment / financial instruments (belonging to the operator) . This is accomplished by responding to customers who give the operator a high-value right to data access and use rights despite being non-monetary.

The first benefit is offered free of charge as part of the coupon itself, which includes the brand of the retailer or retailer or the manufacturer, presents the coupon and removes the voucher (discount (discount) voucher) Opportunities are provided for discounts from retailers.

The second benefit is to provide data for "free" investments to partner banks that use coupons and all other information required by Customer Identification (KYC) (investment products) or to customers who have completed customer verification for the first time in a regulated area There is a valuable exchange in the form of the right to exchange, but it is free in that money exchange is no longer necessary.

The third free offer qualifies the customer to enter the randomly selected number into the next merchandise lottery following the sale. However, a customer can not claim a product unless he / she has performed the action required to obtain a second bonus benefit of the 'free' investment. The customer may perform this required action to receive an investment after a prize draw, in which the randomly selected numbers must be eligible for a portion of the product selection process (first prize draw).

The fourth bonus offer is the second opportunity for the date to enter the second prize draw, but this opportunity will only be available to customers who have completed the customer verification (KYC) and have received free investment. The third bonus offer is one opportunity per coupon entry for the prize draw (above), but the fourth bonus (the second prize draw) completes the customer confirmation (KYC) before the second prize draw (second prize draw) Will include all coupons sold within a given time period (e.g., 3, 6, or 12 months) belonging to a customer.

The above-described embodiments of the present invention have been made for the purpose of illustrating the invention and should not be construed as limiting the scope of the present invention. The scope of the invention is defined by the appended claims.

Claims (17)

A multifunction coupon processing system for issuing and processing a plurality of multifunction coupons, the system comprising:
A plurality of multi-function coupon-issuing terminals provided in an unregulated position;
A unique identifier generating unit for generating a unique identifier to be provided together with the issued multifunction coupon upon request; And
A central coupon processing server located for remote data communication with the plurality of terminals;
Wherein the central coupon processing server comprises:
A master function processor for processing the exchange of the multifunction coupon in relation to the first function of the coupon;
A proxy function processor responsive to the issuance of the coupon to perform a purchase of a proxy-based long-term investment product;
A personal information module for receiving and storing personal information about a purchaser from a security-controlled location;
Wherein the master function processor is entitled to use the personal information of the customer and transfers the purchased long-term investment product right to the customer with the compensation. The method according to claim 1,
Further comprising a master database for storing the unique identifier of the coupon causing the purchase of the long-term investment product and the details of the long-term investment product, wherein the master database stores the unique identifier and the details of the investment product together Multifunctional coupon processing system. The method according to claim 1,
Wherein the unique identifier generating unit is provided in the central coupon processing server, and each coupon issuing terminal communicates with the central coupon processing server to issue a multifunction coupon. The method according to claim 1,
Further comprising a plurality of unique identifier generators, each of the generators being provided in a coupon issuing terminal that transmits details of the generated unique identifier to the central coupon processing server after issuance of the multifunction coupon. The method according to claim 1,
Wherein the personal information module includes a personal identifier generation module for generating a unique personal identifier for each different person to whom the multifunction coupon has been issued. The method according to claim 1,
Wherein the master coupon function processor receives a request for a second function of the multifunction coupon and manages an implementation of the second function request. The method according to claim 6,
Wherein the second function is implemented using a second function dedicated server operatively connected to the central coupon processing server via a communication network. The method according to claim 6,
Wherein the master coupon function processor receives a request for a third function of the multifunction coupon and manages an implementation of the third function request. 9. The method of claim 8,
Wherein the third function is implemented in response to providing the personal information. 9. The method of claim 8,
Wherein the third function is implemented using a third function dedicated server operatively connected to the central coupon processing server through a communication network. The method according to claim 1,
Wherein the proxy function processor purchases the long-term investment from a proxy dedicated server operably connected to the central coupon processing server through a communication network. The method according to claim 1,
The long-term investment is a micro investment product having a purchase value of less than one dollar. The method according to claim 1,
Wherein the plurality of coupon-issuing terminals implement the plurality of functions through the same terminal. The method according to claim 1,
Wherein the multifunction coupon issuing terminal is a POS terminal. 15. The method of claim 14,
Further comprising a second functional terminal provided in the non-secured and non-secured location, the second functional terminal capturing user selections for the second function, and wherein the POS function in the coupon issuing terminal And send the selections to the central server. The method according to claim 1,
The security terminal further includes a security terminal provided at a security-controlled position, the secure terminal captures personal information about the purchaser from authentication information presented to the security terminal, and transmits the personal information to the central coupon processing server, Processing system. A method for issuing and processing a plurality of multifunction coupons, the method comprising:
Generating a unique identifier to be provided along with the issued multifunction coupon upon request;
Issuing a plurality of multifunction coupons at a plurality of unregulated locations;
Processing the multifunction coupons at a central location remote from the plurality of unregulated locations;
Wherein the processing comprises:
Processing an exchange of the multifunction coupon in relation to the first function of the coupon;
Performing a purchase of a proxy-based long-term investment product in response to the issuance of the coupon;
Receiving and storing personal information about a purchaser from a security-controlled location; And
Receiving the right to use the personal information of the customer and transferring the purchased long-term investment product right to the customer with the compensation;
Gt; a < / RTI > multi-function coupons.

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