TW515969B - Authenticated electronic coupon issuing and redemption - Google Patents

Authenticated electronic coupon issuing and redemption Download PDF

Info

Publication number
TW515969B
TW515969B TW088101861A TW88101861A TW515969B TW 515969 B TW515969 B TW 515969B TW 088101861 A TW088101861 A TW 088101861A TW 88101861 A TW88101861 A TW 88101861A TW 515969 B TW515969 B TW 515969B
Authority
TW
Taiwan
Prior art keywords
electronic
coupons
discount
station
smart card
Prior art date
Application number
TW088101861A
Other languages
English (en)
Inventor
Charles Campbell Palmer
Elaine Rivette Palmer
Sean William Smith
Original Assignee
Ibm
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ibm filed Critical Ibm
Application granted granted Critical
Publication of TW515969B publication Critical patent/TW515969B/zh

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0225—Avoiding frauds
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0235—Discounts or incentives, e.g. coupons or rebates constrained by time limit or expiration date
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0239—Online discounts or incentives
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0277—Online advertisement
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Computer And Data Communications (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Description

515969 案號 88101861 修正 "Π 五、發明說明（1) 描述 技術領域 本發明大致係關於消費者購物，尤其有關電子廣告以及 折價卷發行與取回系統。 背景技藝 零售商及製造商經常贊助獎勵計劃，用以說服消費者購 買其產品。這些獎勵包括分送予消費者之折扣折價卷，其 中一消費者當購買一相關項目時可取回折價卷。這類折價 卷通常以紙張形式分送。 有、關現今紙張折價卷之問題為：廣告之零售商及製造商 無法保證使用紙張折價卷之消費者確實已閱讀隨附於折價 卷之產品廣告。廣告商沒有管道可得知何人閱覽其廣告， 而無法機動調整廣告，以適合閱覽者之品味與興趣。 此外，現今時常發生許多有關紙張之詐騙情況。例如， 紙張折價卷易於偽造。某些消費者藉由取回未購買之商品 折價卷而犯下詐騙。某些零售商也藉由取回消費者未購買 之商品折價卷而犯下詐騙。 製造商於零售建置須倚賴收銀機及電腦系統，以保證取 回折價卷之消費者確實購買該目標產品，而且取回之折價 卷於取回時間並未過期。零售商經常倚賴其收銀機以強制 折價卷取回規定。其他零售商倚賴電腦化系統，以比較折 價卷條碼與消費者之購買品。 美國專利案號4 88 0 9 6 4，作者Donahue，描述票面印有條 碼之紙張折價卷，因而未解決上述紙張折價卷之缺點。美 國專利申請案號5710866，作者Christensen et al.描述
O:\56\56995.ptc 第5頁 515969 修正 案號 88101861 五、發明說明（2) 電子式產生之折價卷，但需要一耗費成本維護之消費者與 消費折價卷資料庫。其同時需於取回時間連線接至資料 庫，以決定折價卷是否有效。 發明概述 本發明係一連線之折價卷發行和取回系統。本發明之發 行系統包括一發行站。該發行站大致係包含於一通常設置 於一製造商所在之電腦。該發行站通常電子式產生廣告及 折價卷。該發行系統同時包括一消費者站，通常為一電腦 以及一智慧卡讀卡機/寫卡機，一般設置於消費者所在。 該智慧卡讀卡機/寫卡機可直接或者經由一區域網路（L A N ) 抑或其他網路之連接而連結至消費者電腦。 發行站及消費者站係經由一通訊網路連結。當一消費者 經由消費者站提出對於折價卷之需求時，發行站則將其產 生之廣告及折價卷傳送至消費者站。發行站同時具有一數 位式設計折價卷之功能。數位簽章確保折價卷以及發行者 與發行站之認證。同時傳送之中包括一具有一可執行於消 費者站之功能的程式。該程式負責確定消費者吸收整個廣 告，並經由連結至消費者站之智慧卡讀卡機/寫卡機將折 價卷轉移至一智慧卡。 因此，本發明之目標為··向廣告商保證一消費者於接收 折扣折價卷前確實吸收一產品之廣告。 本發明之系統同時包括'一取回系統。該取回系統大致包 含一取回站，通常為一電腦，以及一連結至該取回電腦之 智慧卡讀卡機/寫卡機。該取回系統通常設置於一購買所 在。當一消費者準備進行購買時，消費者將其中儲有電子
O:\56\56995.ptc 第6頁 515969 案號 88101861 7/年/月7曰 修正 五、發明說明（3) 折價卷之智慧卡插入連結至取回站之智慧卡讀卡機/寫卡 機。該取回系統經由智慧卡讀卡機/寫卡機讀取折價卷， 並將購買項目與折價卷相比對。符合之折價卷係從智慧卡 中取出，因而無法再度使用。同時，該取回系統刪除儲存 於智慧卡中之任何過期折價卷。 取回系統同時可包括一防弊安全共同處理器。為保護一 製造商避免詐騙之店家及顧客，存取折價卷效力之作業， 更新，蒐集，儲存或者刪除折價卷等作業可能於一防弊硬 體外圍之内進行。該硬體外圍係部分之典型防弊安全共同 處理器以及智慧卡。
因此，本發明尚有另一目標為：對於儲存於智慧卡中之 折價卷提供一防弊存取。 替代上，本發明之系統可包括一儲存於發行站中之折價卷 資料庫。該資料庫可包括一發行或者已消費之折價卷清 單。當一消費者準備取回折價卷時，該取回站則連結至資 料庫並藉由比較該智慧卡折價卷與一資料庫中之折價卷清 單而確認儲存於消費者智慧卡中之折價卷。僅符合資料庫 之清單的有效折價卷才可真正取回。
本發明之系統同時包括一取回站與一發行站間之通訊連 結。這類連結係建置於當一店家希望由製造商償還該店家 自消費者取回之折價卷。通常取回電腦將經數位式簽章之 電子折價卷送至發行電腦。該發行電腦確認折價卷上之電 子簽章。如果簽章係有效，則製造商就該有效折價卷償還 店家。因此，本發明之進一步目標為：對製造商提供一機 制以電子式償還店家。
O:\56\56995.ptc 第7頁 515969 _案號88101861 年，·月7曰 修正_： 五、發明說明（4) 、 圖示簡述 圖1係一示範圖，說明本發明一發行系統之實體架構。 圖2係一流程圖，說明一執行於本發明之發行電腦的發 行軟體其可能之邏輯流程。 圖3係一流程圖，說明一執行於本發明之閱覽電腦的廣 告閱覽軟體其可能之邏輯流程。 圖4係一流程圖，說明一廣告閱覽軟體與發行軟體間之 互動其可能之邏輯流程。 圖5係一說明之例子，顯示本發明中一取回系統架構之 實體佈置。 圖6及7係一流程圖，說明一典型之銷售點期間，取回系 g 統中一可能之邏輯流程。 圖8係一流程圖，說明一典型之日常折價卷結算中一可 能之邏輯流程。 圖9係一說明之例子，顯示本發明替代之具體實施例中 一軟體式取回系統的一實體佈置。 較佳具體實施例描述 圖1係一示範圖，說明本發明一發行系統之一實體架 構。圖1中所示之一經認證的電子折價卷發行系統包括一 發行站，通常為一電腦1 1 0，執行發行軟體1 1 5 ; —閱覽 站，通常為一廣告閱覽電腦120，執行廣告閱覽軟體123， 用以將有關折價卷1 2 5之需求送至一發行電腦1 1 0 ;· —廣告# 閱覽電腦120，執行廣告applet軟體130 ; —電子廣告 1 4 0 ; —數位式簽章之電子折價卷1 5 0 ; —分發之智慧卡讀 卡機/寫卡機1 6 0 ; —消費者智慧卡1 7 0，持有一電子折價
O:\56\56995.ptc 第8頁 515969 修正 案號 88101861 五、發明說明（5) 卷150。典型之智慧卡可為一具有一防禦實體舞弊之積體 電路晶片卡。一發行站通常包含一設置於一製造商或者折 價卷交換所所在之電腦。類似地，一閱覽站通常包含一設 置於一顧客所在之電腦。一顧客通常係一電子式接收折價 卷並使用該折價卷進行購買之消費者。 一分發之智慧卡讀卡機/寫卡機1 6 0附加於一廣告閱覽電 腦120，並可由廣告applet軟體130存取。 發行軟體115，廣告閱覽軟體123，以及廣告applet軟體 130通常購買自軟體廠商。一電子廣告140係由一廣告内容 廠商供應。一顧客之智慧卡1 7 0可購買自一智慧卡廠商。 類似地，一顧客智慧卡讀卡機/寫卡機1 6 0可由一智慧卡讀 卡機/寫卡機廠商供應。一發行電腦1 1 0以及一廣告閱覽電 腦1 2 0可從電腦硬體廠商取得。一電子折價卷1 5 0係由發行 軟體1 1 5產生。有關折價卷1 2 5之需求係由廣告閱覽軟體 1 23產生。 圖2係一流程圖，說明一執行於本發明之發行電腦上的 發行軟體一可能之邏輯流程。開始時於步驟2 1 0中，發行 軟體等候一來自一廣告閱覽電腦之需求，一需求包括有關 顧客之資訊，像是其興趣（例如，打網球之嗜好），以及年 齡層（例如，年長公民）。步驟2 2 0中，發行軟體從一需求 取得一顧客之興趣設定檔及年齡層。步驟230中，發行軟 體選擇一符合一顧客之興趣設定檔及年齡層的電子廣告。 例如，如果一顧客係一年長公民，那麼發行軟體選擇一鎖 定年長公民之電子廣告，而非鎖定青少年之廣告。步驟 2 4 0中，發行軟體產生一數位式簽章之電子折價卷。
O:\56\56995.ptc 第9頁 515969 修正 案號 88101861 五、發明說明（6) 數位簽章一般係藉由將一發件人之秘密金錄及訊息内容 輸送至一演算法則而建立。演算法則之輸出係該數位簽 章。收件人可藉由使用發件人之公開金鑰及訊息而確認數 位簽章。數位簽章具有安全性，因為另一電腦實際上不可 能產生完全相同之數位簽章。各使用者有責任保護該秘密 金錄。 步驟250中，發行軟體將一電子廣告，廣告applet軟 體，以及一電子折價卷傳送至一廣告閱覽電腦。然後發行 軟體等候來自廣告閱覽軟體之另一需求。 圖3係一流程圖，說明執行於本發明之閱覽電腦的廣告 閱覽軟體一可能之邏輯流程。步驟310中，廣告閱覽軟體 等候來自一顧客一有關折價卷之需求。步驟3 1 5中，閱覽 軟體取得有關一顧客之資訊，像是其興趣及年齡層。閱覽 軟體可透過一對話直接從一顧客，或者從一顧客之智慧 卡，抑或從閱覽電腦上一檔案，取得資訊。步驟3 2 0中， 閱覽軟體將一顧客之興趣設定檔及年齡層加至一折價卷之 需求中。步驟3 2 5中，閱覽軟體將一有關折價卷之需求傳 送至一發行電腦。步驟3 3 0中，閱覽軟體等候來自一發行 電腦之一回應。如果沒有回應，則閱覽軟體逾時，步驟 3 3 5中，顯示一錯誤訊息，且步驟3 1 0中，等候來自一顧客 之另一需求。如果有來自一發行電腦之回應，則閱覽軟體 接收廣告applet軟體，一電子廣告，以及一電子折價卷， 如步驟3 4 0中所示。步驟3 5 0中，然後閱覽軟體執行廣告 applet軟體。步驟360中，軟體決定是否顧客閱覽一完整 廣告。步驟370中，如果applet軟體逾時，抑或如果一顧
O:\56\56995.ptc 第10頁 515969 案號 88101861
Μ年丨Β Ί B 修正 五、發明說明（7) 客提早離開軟體，那麼閱覽軟體終止該連線會期並返回步 驟31 0中等候來自一顧客之另一需求。步驟3 8 0中，如果 applet決定一顧客確實閱覽整個廣告，那麼applet軟體經 由一分發之智慧卡讀卡機/寫卡機，將一經數位式簽章之 電子折價卷傳送至一顧客之智慧卡。 閱覽軟體之一例可包括具有一致資源定址器（URL)位址 之一全球資訊網網頁，一消費者可經由一網頁瀏覽器存取 該位址。該一致資源定址器（UR L)位址將設置於連結至一 發行站之網站伺服器。該網頁可能具有一些參數欄位以作 為消費者必需填寫之輸入欄位。然後網頁與參數可能傳送 至設置於發行站之網站伺服器。然後該網站伺服器可能與 發行軟體共同使用參數，以產生電子廣告及折價卷，將其 與一 applet軟體傳送至閱覽軟體。該閱覽軟體通常啟動該 applet軟體。啟動之applet軟體於消費者站上顯示廣告， 以控制消費者站與消費者之互動。App 1 e t軟體同時可負責 將折價卷傳送至消費者之智慧卡。再者，applet軟體可提 供互動，例如要求消費者回答有關產品或者廣告之問題， 以保證消費者確實吸收廣告資訊。 圖4係一流程圖，說明廣告閱覽軟體與發行軟體間互動 之一可能的邏輯流程。步驟4 2 0中，一廣告閱覽電腦從一 發行電腦要求一電子折價卷。步驟43 0中，一發行電腦將 廣告applet軟體，一電子廣告，以及一經數位式簽章之電 子折價卷傳送至一廣告閱覽電腦。步驟44 0中，一廣告閱 覽電腦執行applet軟體。該applet軟體顯示一電子廣告。 步驟450中，該applet軟體基於是否一顧客閱覽一完整廣
1 I » ill 11 Biill 11 1 _ lilill 1 圓III O:\56\56995.ptc 第11頁
修正 告而決定‘ y e 如何繼續造杆。此 覽一完整之電 芦土丁 步驟460中，如果一顧客並未閱 期’並等候另一 ：、σ 那麼廣告a ρ ρ 1 e t軟體終止連線會 顧客已閱覽_ — 1求’即步驟4 1 0。然而步驟4 7 0中如果一 經數位式簽 2之電=廣告，那麼applet軟體藉由將一 應該顧客。通# = :^價卷傳送至一顧客之智慧卡，以回 卡機。再者，^ 1係插入一分發之智慧卡讀卡機/寫 回答有關一產::et軟體可能為互動式，要求一顧客 該廣告資訊。=二者f告之問題，以保證一顧客確實吸收 典型之記錄仅^ 協定’防弊硬體，或者電子金融系統中 倍花費或去Ϊ存貧料庫可用以保護消費者及零售商避免雙 子詳述子折價卷。—這類安全協定之適當例 子付饮忾-自題之^ BeUare et a1·之，，iKP 一安全電 ^ 協疋之家族π ，七月12日，一九九五年。 ^子折價卷並未印表，因此不能一次次列印，或与 I ° 一智慧卡可持有之電子折價卷數目將有限。 的 兒明之例子’顯示本發明中一取回系統架構之— 又=佈置。一如圖5中所示之經認證的折價卷取回系咣勺 3 一 ^回電腦5 1 0，一防弊安全共同處理器5 2 〇，一取回匕知 慧卡讀卡機/寫卡機5 3 〇，一儲存一數位式簽章之電子折= «的顧客智慧卡，以及一發行站。一發行站通常包含貝 、電fellO，且一般駐留於一製造商或於執行一製造商二 或一群製造商該職務之一折價卷交換所。一取回智慧卡Μ 卡機/寫卡機5 3 0通常附加於一取回電腦5 1 〇。一防弹安入^ 共同處理器5 2 0係直接或者經由一通訊網路而連接至_ = 回電腦510。一取回電腦510同時可連接至一發行電腦
515969 _案號88101861 ?丨年/月7日 修正_： 五、發明說明（9) ， 110，通常透過電話線570。 圖6及7係一流程圖，說明一典型之銷售點期間，取回系 統中一可能之邏輯流程。步驟6 1 0中，一消費者將圖1之智 慧卡1 7 0插入一圖5之取回智慧卡讀卡機/寫卡機5 3 0。該智 慧卡包括圖1之經數位式簽章的電子折價卷1 5 0。步驟6 2 0 中，該智慧卡將一儲存其中之所有折價卷的清單送至一圖 5之取回系統5 1 0。步驟6 3 0中，一取回電腦將折價卷清單 並選擇性將一購買項目之清單前送至一圖5之防弊安全共 同處理器5 2 0。步驟6 4 0中，圖5之防弊安全共同處理器5 2 0 檢驗所有折價卷之清單，並統合一該等已過期之清單。步 驟6 5 0中，圖5之防弊安全共同處理器5 2 0要求一取回電腦 將一命令送至一智慧卡，以刪除過期折價卷。其次，步驟 6 6 0中，防弊安全共同處理器搜尋符合實際購買項目之未 過期折價卷。如果沒有符合之項目，那麼步驟6 7 0中之防 弊安全共同處理器告知取回電腦：沒有項目符合該折價卷 清單。如果有符合之項目，那麼步驟6 8 0中之防弊安全共 同處理器統合一符合項目且有效之折價卷清單。步驟6 9 0 中，共同處理器要求取回電腦將一命令送至智慧卡，以擷 取有效且符合之折價卷。步驟6 9 5中，智慧卡將有效且符 合之折價卷送至防弊安全共同處理器。 為保護一製造商避免詐騙之店家及顧客，存取折價卷效 力之作業，更新，蒐集，儲存，或者刪除折價卷等作業於· 一防弊硬體外圍6 5 5之内進行。該硬體外圍係部分之典型 防弊安全共同處理器以及智慧卡。一典型之防弊安全共同 處理器可為一像是IBM 4758於一防弊外殼内具有一微處理
O:\56\56995.ptc 第13頁 515969 案號 88101861 年/月7曰 修正 五、發明說明（10) 器及記憶體之防弊電腦裝置。 圖8係一流程圖，說明一典型之日常折價卷結算期間， 一可能之邏輯流程。步驟7 1 0中，一圖5之取回電腦5 1 0連 接至圖5之發行電腦1 1 0或者折價卷交換所之電腦。一般這 類連接將發生於一天結束時，或者於某適當時段。步驟 720中，圖5之取回電腦510將由圖5之數位式簽章的電子折 價卷1 5 0送至圖5之發行電腦1 1 0。步驟7 3 0中，發行電腦確 認折價卷上之電子簽章。步驟7 4 0中折價卷交換所就有效 之折價卷償還店家。 圖9係一說明之例子，顯示本發明替代具體實施例之一 軟體式取回系統的一實體佈置。圖9中所示之具體實施例 以圖5之發行電腦1 1 0中一折價卷資料庫8 1 0取代圖5之取回 電腦5 1 0中的圖5防弊安全共同處理器5 2 0。該資料庫包括 一已消費折價卷（因而如果其出現第二次將遭拒絕）清單或 者一未消費折價卷清單，當折價卷出現以取回時，將從清 單中刪除該折價卷。當一店家連接至發行電腦1 1 0以取回 折價卷時，則發行電腦1 1 0搜尋資料庫8 1 0以決定是否折價 卷有效。僅資料庫8 1 0中找到之有效折價卷才可取回。 雖然本發明對於此處一較佳之具體實施例特別加以顯示 及描述，熟知此項技藝人士將可了解：沒有偏離本發明之 精神與範圍下，形式以及細節上可進行前述及其他改變。
O:\56\56995.ptc 第14頁 515969 案號88101861 引年I月7日 修正
O:\56\56995.ptc 第15頁

Claims (1)

  1. 515969 _案號88101861_Ί I年丨月7曰 修正_^ 六、申請專利範圍 t 1. 一種用以電子式呈現廣告及產生折價卷之折價卷發行 系統，該系統包含： 至少一發行站，用以根據預設之規則產生及傳送電子廣 告與電子折價卷； 至少一顧客站，用以從一使用者將一有關電子折價卷之 需求傳送至發行站，用以從發行站接收電子廣告與電子折 價卷，以及用以對使用者呈現廣告，以便與使用者互動； 至少一智慧卡，用以保有包括該電子折價卷之資訊； 至少一智慧卡讀卡機/寫卡機，用以使該至少一智慧卡 中保有之資訊與該至少一顧客站進行通訊；以及 至少一軟體程式，用以監測一使用者與廣告之互動狀 · 態； 藉此當該至少一軟體程式偵測一預定之狀態時，該至少 一軟體程式經由智慧卡讀卡機/寫卡機將電子折價卷轉移 至智慧卡。 2 .如申請專利範圍第1項之系統，其中該系統進一步包 括一使用者介面程式，用以顯示包括需求形式及廣告之資 訊，藉此經由顧客站對使用者以視覺方式呈現廣告。 3 .如申請專利範圍第2項之系統，其中該使用者介面程 式包含一執行於顧客站之網站瀏覽器。 4.如申請專利範圍第3項之系統，其中該至少一軟體程 式包括一與平台無關之程式可從該發行站動態下載，該至® 少一軟體程式進一步控制與該網站瀏覽器相接之顯示器。 5 .如申請專利範圍第1項之系統，其中將電子折價卷下
    O:\56\56995.ptc 第16頁 515969 修正 案號 88101861 六、申請專利範圍 載至顧客站之前，發行站數位式簽章該電子折價卷。 6 .如申請專利範圍第1項之系統，其中該廣告係於預定 之期間内更新。 7. —種用以取回電子折價卷之系統，包含： 至少一取回站；以及 至少一智慧卡讀卡機/寫卡機，連結至該取回站； 藉此該取回站經由該至少一智慧卡讀卡機/寫卡機選擇 與更新儲存於一智慧卡之折價卷，刪除過期以及該等符合 購買項目之折價卷。
    8.如申請專利範圍第7項之系統，其中該系統進一步包 括至少一防弊安全共同處理器，藉此存取折價卷效力之作 業包括更新，蒐集，儲存，或者刪除折價卷等作業於該防 弊安全共同處理器中進行，藉以避免該折價卷之詐騙舞 弊。 9.如申請專利範圍第7項之系統，其中該系統進一步包 括至少一連結至該取回站之發行站，藉此由該取回站蒐集 之折價卷係由該至少一發行站償還。 1 0 .如申請專利範圍第9項之系統，其中該至少一發行站 包括一資料庫，用以儲存折價卷之清單，藉此取回折價卷 之確認係透過將該取回之折價卷與該折價卷清單比對而執 行。 11. 一種用以電子式廣告及發行至少一折價卷之方法， 該方法包含： 從一消費者接收有關電子折價卷之需求；
    O:\56\56995.ptc 第17頁 515969 _案號88101861 7/年/月7曰 修正_ ： 六、申請專利範圍 ^ 產生至少一電子廣告以及該電子折價卷； 將該電子廣告及該電子折價卷傳送至一消費者站，以呈 現予該消費者； 監測該消費者與該廣告之互動；以及 如果該消費者與該廣告之互動符合一預定之狀態，則將 該電子折價卷轉移至一智慧卡。 1 2 .如申請專利範圍第1 1項之方法，其中該方法進一步 包括於產生之步驟前，取得一該消費者之興趣及年齡層概 要之步驟。 1 3.如申請專利範圍第1 1項之方法，其中該產生之步驟 包括以數位式簽章該電子折價卷。 φ 1 4.如申請專利範圍第1 1項之方法，其中該方法進一步 包括下列步驟： 讀取儲存於該智慧卡中一電子折價卷之清單； 從該智慧卡刪除已過期之電子折價卷； 比對有效之電子折價卷與購買項目；以及 擷取有效且符合之電子折價卷， 藉此當該消費者購買和儲存於智慧卡之電子折價卷相關 之項目時，則該消費者之電子折價卷於購買地點取回。 1 5 ·如申請專利範圍第1 4項之方法，其中該方法進一步 包括下列步驟： 建置一與一發行站之連接； ® 將電子折價卷送至該發行站； 確認該電子折價卷；以及
    O:\56\56995.ptc 第18頁 515969
    O:\56\56995.ptc 第19頁
TW088101861A 1998-04-03 1999-02-08 Authenticated electronic coupon issuing and redemption TW515969B (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US09/054,844 US6505773B1 (en) 1998-04-03 1998-04-03 Authenticated electronic coupon issuing and redemption

Publications (1)

Publication Number Publication Date
TW515969B true TW515969B (en) 2003-01-01

Family

ID=21993877

Family Applications (1)

Application Number Title Priority Date Filing Date
TW088101861A TW515969B (en) 1998-04-03 1999-02-08 Authenticated electronic coupon issuing and redemption

Country Status (9)

Country Link
US (1) US6505773B1 (zh)
EP (1) EP1068581B1 (zh)
JP (1) JP3516880B2 (zh)
CN (1) CN1295691A (zh)
DE (1) DE69902454T2 (zh)
ES (1) ES2178390T3 (zh)
PL (1) PL343003A1 (zh)
TW (1) TW515969B (zh)
WO (1) WO1999052051A1 (zh)

Families Citing this family (217)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6131811A (en) * 1998-05-29 2000-10-17 E-Micro Corporation Wallet consolidator
US8352984B2 (en) * 1998-06-12 2013-01-08 Thomson Licensing System and method for generating and managing user preference information for scheduled and stored television programs
US6614987B1 (en) * 1998-06-12 2003-09-02 Metabyte, Inc. Television program recording with user preference determination
US20040064370A1 (en) * 1999-02-05 2004-04-01 Powell Ken R. System and mehtod for distributing coupons through a system of computer networks
US8533039B1 (en) * 1999-04-19 2013-09-10 Christopher C. Winslade System for online sales with automatic rebate and coupon redemption
US7539628B2 (en) 2000-03-21 2009-05-26 Bennett James D Online purchasing system supporting buyer affordability screening
US20070100757A1 (en) * 1999-05-19 2007-05-03 Rhoads Geoffrey B Content Protection Arrangements
US7308426B1 (en) * 1999-08-11 2007-12-11 C-Sam, Inc. System and methods for servicing electronic transactions
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US7239226B2 (en) 2001-07-10 2007-07-03 American Express Travel Related Services Company, Inc. System and method for payment using radio frequency identification in contact and contactless transactions
US7216110B1 (en) * 1999-10-18 2007-05-08 Stamps.Com Cryptographic module for secure processing of value-bearing items
US7567940B1 (en) 1999-10-18 2009-07-28 Stamps.Com Method and apparatus for on-line value-bearing item system
WO2001029776A1 (en) 1999-10-18 2001-04-26 Stamps.Com Cryptographic module for secure processing of value-bearing items
US6876991B1 (en) 1999-11-08 2005-04-05 Collaborative Decision Platforms, Llc. System, method and computer program product for a collaborative decision platform
US10275780B1 (en) 1999-11-24 2019-04-30 Jpmorgan Chase Bank, N.A. Method and apparatus for sending a rebate via electronic mail over the internet
US7308254B1 (en) * 1999-12-15 2007-12-11 Nokia Corporation Wireless electronic couponing technique
US8923766B2 (en) 1999-12-15 2014-12-30 Nokia Corporation Wireless electronic couponing technique
US8429041B2 (en) 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles
US7172112B2 (en) 2000-01-21 2007-02-06 American Express Travel Related Services Company, Inc. Public/private dual card system and method
US6678685B2 (en) * 2000-01-26 2004-01-13 Familytime.Com, Inc. Integrated household management system and method
US6867789B1 (en) 2000-02-15 2005-03-15 Bank One, Delaware, National Association System and method for generating graphical user interfaces
WO2001061652A2 (en) * 2000-02-16 2001-08-23 Stamps.Com Secure on-line ticketing
JP2001236443A (ja) * 2000-02-24 2001-08-31 Nec Corp 広告情報の提供方法及びその広告効果の把握方法ならびにシステム
US6766301B1 (en) * 2000-02-28 2004-07-20 Mike Daniel Fraud deterred product and service coupons
AU2001243473A1 (en) 2000-03-07 2001-09-17 American Express Travel Related Services Company, Inc. System for facilitating a transaction
FR2807250B1 (fr) * 2000-04-03 2003-01-24 Value Groupe Systeme d'elaboration de coupons electroniques
US7353267B1 (en) * 2000-04-07 2008-04-01 Netzero, Inc. Targeted network video download interface
KR20010098319A (ko) * 2000-04-29 2001-11-08 박세호 자동차세금 감면 서비스 방법 및 그 시스템
JP2001338351A (ja) * 2000-05-25 2001-12-07 Seiko Instruments Inc 電子クーポン発行システム及び発行方法
KR20010080781A (ko) * 2000-06-07 2001-08-25 류채목 음성유머 서비스와 연계된 인터넷 광고 시스템 및 방법
FR2810433A1 (fr) * 2000-06-15 2001-12-21 Igtech Systeme et procede de couponnage electronique
US10185936B2 (en) 2000-06-22 2019-01-22 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments
CA2417750A1 (en) * 2000-07-31 2002-02-07 Intermedia Advertising Group Computerized system and method for increasing the effectiveness of advertising
JP3527211B2 (ja) * 2000-08-01 2004-05-17 日立マクセル株式会社 電子クーポン・システム
FR2813415A1 (fr) * 2000-08-24 2002-03-01 Christophe Eric Curtelin Systeme d'emission, de gestion, de transactions de titres de valeur electroniques
JP2002109387A (ja) * 2000-09-27 2002-04-12 Junichi Hayamizu 広告システム及びアンケート・リサーチシステム
KR100847053B1 (ko) * 2000-09-30 2008-07-17 가부시키가이샤 세가 서비스티켓 발행시스템 및 서비스티켓 발행서비스
US7979057B2 (en) 2000-10-06 2011-07-12 S.F. Ip Properties 62 Llc Third-party provider method and system
US20040143500A1 (en) * 2000-10-06 2004-07-22 Lopez Kermit D. Processing negotiable economic credits through electronic hand held devices
US20020042753A1 (en) * 2000-10-06 2002-04-11 Ortiz Luis M. Transaction broker method and system
JP2002133022A (ja) * 2000-10-26 2002-05-10 Yubisha Sangyo Kk 懸賞応募システム
US7398225B2 (en) 2001-03-29 2008-07-08 American Express Travel Related Services Company, Inc. System and method for networked loyalty program
JP2002222302A (ja) * 2000-12-15 2002-08-09 Buzzhits Inc 需要刺激に対する消費者の反応に、オンデマンドで対応するためのシステム及び方法
JP2002183590A (ja) * 2000-12-15 2002-06-28 Yoko Kawasaki 広告クイズの提供方法
US20020082910A1 (en) * 2000-12-22 2002-06-27 Leandros Kontogouris Advertising system and method which provides advertisers with an accurate way of measuring response, and banner advertisement therefor
JP2002236853A (ja) * 2001-02-08 2002-08-23 Hitachi Ltd 電子広告の掲載料金算出方法及びそのシステム
US7016860B2 (en) * 2001-02-13 2006-03-21 International Business Machines Corporation Honoring of electronic coupons
EP1381994A4 (en) * 2001-02-27 2007-08-22 Exxonmobil Res & Eng Co SYSTEM AND METHOD FOR PROCESSING FINANCIAL TRANSACTIONS
JP3578100B2 (ja) * 2001-03-23 2004-10-20 日本電信電話株式会社 コンテンツ提供方法及びシステム及びコンテンツ提供プログラム及びコンテンツ提供プログラムを格納した記憶媒体
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
JP2002334254A (ja) * 2001-05-09 2002-11-22 Sony Corp 電子クーポン利用システム
US7650314B1 (en) 2001-05-25 2010-01-19 American Express Travel Related Services Company, Inc. System and method for securing a recurrent billing transaction
US6934533B2 (en) * 2001-05-30 2005-08-23 Nortel Networks Limited Voucher redemption in mobile networks
JP4632662B2 (ja) * 2001-06-05 2011-02-16 富士通株式会社 電子クーポンを用いた電子商取引方法
US7689506B2 (en) 2001-06-07 2010-03-30 Jpmorgan Chase Bank, N.A. System and method for rapid updating of credit information
US8818871B2 (en) * 2001-06-21 2014-08-26 Thomson Licensing Method and system for electronic purchases using an intelligent data carrier medium, electronic coupon system, and interactive TV infrastructure
CA2451616A1 (en) * 2001-06-25 2003-01-03 Vincent Sethi Electronic vouchers and a system and method for issuing the same
US7503480B2 (en) 2001-07-10 2009-03-17 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US7493288B2 (en) 2001-07-10 2009-02-17 Xatra Fund Mx, Llc RF payment via a mobile device
US8960535B2 (en) 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US7805378B2 (en) 2001-07-10 2010-09-28 American Express Travel Related Servicex Company, Inc. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US8538863B1 (en) 2001-07-10 2013-09-17 American Express Travel Related Services Company, Inc. System and method for facilitating a transaction using a revolving use account associated with a primary account
US7119659B2 (en) 2001-07-10 2006-10-10 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device for use in a private label transaction
US7360689B2 (en) 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US7266839B2 (en) * 2001-07-12 2007-09-04 J P Morgan Chase Bank System and method for providing discriminated content to network users
US20030018523A1 (en) * 2001-07-20 2003-01-23 Ethan Rappaport Rewards program using electronically encoded instruments
US20030220839A1 (en) * 2001-08-15 2003-11-27 Nguyen Martin Khang Coupon rebate business method using portable presonal communication devices
US7103576B2 (en) 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US6851092B2 (en) * 2001-10-29 2005-02-01 Sony Corporation System and method for establishing viewer shopping preferences based on viewing and listening preferences
US7493269B2 (en) * 2001-10-30 2009-02-17 Comverse Ltd. Method and system for enabling the dispensing and redeeming of vouchers by voicemail
WO2003038563A2 (en) * 2001-11-01 2003-05-08 Thomson Licensing S.A. Specific internet user target advertising replacement method and system
US7987501B2 (en) 2001-12-04 2011-07-26 Jpmorgan Chase Bank, N.A. System and method for single session sign-on
KR100880673B1 (ko) * 2002-04-03 2009-02-13 주식회사 비즈모델라인 카드를 이용한 쿠폰 또는 상품권 또는 티켓 인증 방법
JP2004094377A (ja) * 2002-08-29 2004-03-25 Mizuho Bank Ltd 商品販売方法及び商品販売プログラム
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US7306143B2 (en) * 2002-09-20 2007-12-11 Cubic Corporation Dynamic smart card/media imaging
US7058660B2 (en) 2002-10-02 2006-06-06 Bank One Corporation System and method for network-based project management
US10176476B2 (en) 2005-10-06 2019-01-08 Mastercard Mobile Transactions Solutions, Inc. Secure ecosystem infrastructure enabling multiple types of electronic wallets in an ecosystem of issuers, service providers, and acquires of instruments
US9064281B2 (en) 2002-10-31 2015-06-23 Mastercard Mobile Transactions Solutions, Inc. Multi-panel user interface
US20040088218A1 (en) * 2002-11-04 2004-05-06 Abraham Daniel M. Coupon discounts redemption/cash back program
US8301493B2 (en) * 2002-11-05 2012-10-30 Jpmorgan Chase Bank, N.A. System and method for providing incentives to consumers to share information
SE0300692L (sv) 2003-03-12 2004-09-13 Global Refund Holdings Ab System för hantering av återbäring av mervärdesskatt
SG120112A1 (en) * 2003-08-06 2006-03-28 Oneempower Pte Ltd Transaction method and system
US20050108093A1 (en) * 2003-09-26 2005-05-19 Micheal Cumming Electronic commerce method and system
US7597250B2 (en) 2003-11-17 2009-10-06 Dpd Patent Trust Ltd. RFID reader with multiple interfaces
US7213766B2 (en) * 2003-11-17 2007-05-08 Dpd Patent Trust Ltd Multi-interface compact personal token apparatus and methods of use
US7762470B2 (en) 2003-11-17 2010-07-27 Dpd Patent Trust Ltd. RFID token with multiple interface controller
SE0303326D0 (sv) * 2003-12-11 2003-12-11 Global Refund Holdings Ab System och förfarande för hantering av återbäring av varuskatt
FR2867591A1 (fr) * 2004-03-10 2005-09-16 Proton World Internatinal Nv Mise a jour d'un compteur de valeur d'une carte a puce
JP4445784B2 (ja) * 2004-03-29 2010-04-07 Ｎｅｃインフロンティア株式会社 広告配信方法および広告配信システム
US7318550B2 (en) 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
US20070179838A1 (en) * 2004-07-19 2007-08-02 Joseph Marra Method and system for coupon presentation
US8347078B2 (en) 2004-10-18 2013-01-01 Microsoft Corporation Device certificate individualization
KR100670779B1 (ko) * 2004-10-22 2007-01-17 한국전자통신연구원 무선통신망 접속장치를 구비한 ａｔｍ 및 이를 이용한금융서비스 제공방법
US8336085B2 (en) 2004-11-15 2012-12-18 Microsoft Corporation Tuning product policy using observed evidence of customer behavior
US7748636B2 (en) * 2004-11-16 2010-07-06 Dpd Patent Trust Ltd. Portable identity card reader system for physical and logical access
US10248951B2 (en) * 2004-12-01 2019-04-02 Metavante Corporation E-coupon settlement and clearing process
GB0426620D0 (en) 2004-12-03 2005-01-05 Firstondemand Ltd On-line generation and verification of personalised money
US20060178965A1 (en) * 2005-02-04 2006-08-10 Jung Edward K Tracking a participant loss in a virtual world
US20060229976A1 (en) * 2005-03-30 2006-10-12 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Virtual credit with transferability
US7774275B2 (en) * 2005-02-28 2010-08-10 Searete Llc Payment options for virtual credit
US20060190282A1 (en) * 2005-02-04 2006-08-24 Jung Edward K Providing risk mitigation in a virtual world
US20060178218A1 (en) * 2005-02-04 2006-08-10 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Virtual world escrow user interface
US20090198604A1 (en) * 2004-12-17 2009-08-06 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Tracking a participant loss in a virtual world
US20060178899A1 (en) * 2005-02-04 2006-08-10 Jung Edward K Identifying a participant loss in a virtual world
US20090144073A1 (en) * 2005-02-04 2009-06-04 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Probability adjustment of a virtual world loss event
US20070035548A1 (en) * 2005-08-12 2007-02-15 Searete Llc Rating technique for virtual world environment
US7937314B2 (en) * 2005-10-21 2011-05-03 The Invention Science Fund I Disposition of component virtual property rights
US20090070180A1 (en) * 2005-02-04 2009-03-12 Searete Llc A Limited Liability Corporation Of The State Of Delaware Variant rating plans for virtual world environment
US20070198305A1 (en) * 2005-03-30 2007-08-23 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Virtual credit with transferability
US20090138333A1 (en) * 2005-02-04 2009-05-28 Searete Llc, A Limited Liablity Of The State Of Delaware Follow-up contacts with virtual world participants
US20090100354A1 (en) * 2005-02-04 2009-04-16 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Third party control over virtual world characters
US20060195376A1 (en) * 2005-02-28 2006-08-31 Jung Edward K Compensation techniques for virtual credit transactions
US7958047B2 (en) 2005-02-04 2011-06-07 The Invention Science Fund I Virtual credit in simulated environments
US20080215434A1 (en) * 2005-02-04 2008-09-04 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Real world interaction with virtual world privileges
US20060178967A1 (en) * 2005-02-04 2006-08-10 Searete Llc Disposition of proprietary virtual rights
US20090132297A1 (en) * 2005-02-04 2009-05-21 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Probability adjustment of a virtual world loss event
US20080177558A1 (en) * 2005-02-04 2008-07-24 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Resolution of virtual world revocable transfers
US20080092065A1 (en) * 2005-02-04 2008-04-17 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Third party control over virtual world characters
US20080228607A1 (en) * 2005-02-04 2008-09-18 Jung Edward K Y Resolution of virtual world revocable transfers
US20070024613A1 (en) * 2005-07-28 2007-02-01 Searete Llc, A Limited Liability Corporation Of Delaware Selecting auxiliary control features for virtual world environment
US7890419B2 (en) * 2005-02-04 2011-02-15 The Invention Science Fund I, Llc Virtual credit in simulated environments
US20070035549A1 (en) * 2005-08-12 2007-02-15 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Variant rating plans for a virtual world environment
US20060224505A1 (en) * 2005-03-30 2006-10-05 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Multi-player game using simulated credit transactions
US20100114662A1 (en) * 2008-10-31 2010-05-06 Searette Llc, A Limited Liability Corporation Of The State Of Delaware Real-world profile data for making virtual world contacts
US20070150986A1 (en) * 2005-03-30 2007-06-28 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Virtual credit with transferability
US20090043682A1 (en) * 2005-02-04 2009-02-12 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Real-world profile data for making virtual world contacts
US20060178968A1 (en) * 2005-02-04 2006-08-10 Jung Edward K Virtual world interconnection technique
US20090018910A1 (en) * 2007-07-10 2009-01-15 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Virtual world interconnection technique
US20070118420A1 (en) * 2005-02-04 2007-05-24 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Context determinants in virtual world environment
US20070038559A1 (en) * 2005-07-28 2007-02-15 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Rating notification for virtual world environment
US20080103951A1 (en) * 2005-02-04 2008-05-01 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Virtual credit in simulated environments
US20080270165A1 (en) * 2005-02-04 2008-10-30 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Virtual world property disposition after real-world occurrence
US20060195377A1 (en) * 2005-02-28 2006-08-31 Searete Llc Financial ventures based on virtual credit
US20090125383A1 (en) * 2005-02-04 2009-05-14 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Participation profiles of virtual world players
US20070036328A1 (en) * 2005-07-19 2007-02-15 Searete Llc Virtual world escrow
US20070203725A1 (en) * 2006-02-27 2007-08-30 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Security arrangements for virtual world obligations
US20070156509A1 (en) * 2005-02-04 2007-07-05 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Real-world incentives offered to virtual world participants
US8473382B2 (en) 2006-02-28 2013-06-25 The Invention Science Fund I, Llc Virtual collateral for real-world obligations
US7720687B2 (en) 2005-10-03 2010-05-18 The Invention Science Fund I, Llc Virtual world property disposition after real-world occurrence
US8556723B2 (en) * 2005-02-04 2013-10-15 The Invention Science Fund I. LLC Third party control over virtual world characters
US20070203828A1 (en) * 2005-02-04 2007-08-30 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Real-world incentives offered to virtual world participants
US20090037364A1 (en) * 2005-02-04 2009-02-05 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Participation profiles of virtual world players
US20090099930A1 (en) * 2005-02-04 2009-04-16 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Participation profiles of virtual world players
US20090138355A1 (en) * 2005-02-04 2009-05-28 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Real-world profile data for making virtual world contacts
US20070112624A1 (en) * 2005-11-15 2007-05-17 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Use of patron profiles in virtual world environment
US20060178180A1 (en) * 2005-02-04 2006-08-10 Jung Edward K Virtual world escrow environment
US20090144132A1 (en) * 2005-02-04 2009-06-04 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Follow-up contacts with virtual world participants
US8271365B2 (en) * 2005-02-04 2012-09-18 The Invention Science Fund I, Llc Real-world profile data for making virtual world contacts
US8566111B2 (en) 2005-02-04 2013-10-22 The Invention Science Fund I, Llc Disposition of component virtual property rights
US20060235791A1 (en) * 2005-04-15 2006-10-19 Searete Llc Follow-up contacts with virtual world participants
US20070174183A1 (en) * 2006-01-26 2007-07-26 Jung Edward K Context determinants in virtual world environment
US20070268299A1 (en) * 2005-02-04 2007-11-22 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Attribute enhancement in virtual world environments
US8512143B2 (en) * 2005-07-18 2013-08-20 The Invention Science Fund I, Llc Third party control over virtual world characters
US20070073582A1 (en) * 2005-09-27 2007-03-29 Searete Llc Real-world incentives offered to virtual world participants
US20070013691A1 (en) * 2005-07-18 2007-01-18 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Supervisory authority in virtual world environment
US20070130001A1 (en) * 2005-11-18 2007-06-07 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Real-world profile data for making virtual world contacts
US20060178966A1 (en) * 2005-02-04 2006-08-10 Jung Edward K Virtual world property disposition after virtual world occurence
US8457991B2 (en) * 2005-02-04 2013-06-04 The Invention Science Fund I, Llc Virtual credit in simulated environments
US8060829B2 (en) * 2005-04-15 2011-11-15 The Invention Science Fund I, Llc Participation profiles of virtual world players
US20090144148A1 (en) * 2005-02-04 2009-06-04 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Attribute enhancement in virtual world environments
US20080109338A1 (en) * 2005-02-04 2008-05-08 Searete Llc, A Limited Liability Corporation Virtual credit in simulated environments
US20070078737A1 (en) * 2005-02-28 2007-04-05 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Financial ventures based on virtual credit
US8099324B2 (en) * 2005-03-29 2012-01-17 Microsoft Corporation Securely providing advertising subsidized computer usage
US8583926B1 (en) 2005-09-19 2013-11-12 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US10032160B2 (en) 2005-10-06 2018-07-24 Mastercard Mobile Transactions Solutions, Inc. Isolating distinct service provider widgets within a wallet container
WO2007044500A2 (en) 2005-10-06 2007-04-19 C-Sam, Inc. Transactional services
US20070094080A1 (en) * 2005-10-21 2007-04-26 Coalitionworks, Llc Smart shopping method and system
US20070156528A1 (en) * 2005-12-29 2007-07-05 Ideals, Inc. On-line coupon distribution system
US20070203791A1 (en) * 2006-02-24 2007-08-30 Pdway Ltd. Management And Personalization Of Electronic Coupons In A Wireless Network
CN100454321C (zh) * 2006-04-29 2009-01-21 北京飞天诚信科技有限公司 带有数据存储和智能密钥的usb设备及其控制方法
US20070265912A1 (en) * 2006-05-09 2007-11-15 Goss International Americas, Inc. System and method for tracking advertising effectiveness using redeemable incentives
US8668146B1 (en) 2006-05-25 2014-03-11 Sean I. Mcghie Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds
US10062062B1 (en) 2006-05-25 2018-08-28 Jbshbm, Llc Automated teller machine (ATM) providing money for loyalty points
US9704174B1 (en) 2006-05-25 2017-07-11 Sean I. Mcghie Conversion of loyalty program points to commerce partner points per terms of a mutual agreement
US7703673B2 (en) 2006-05-25 2010-04-27 Buchheit Brian K Web based conversion of non-negotiable credits associated with an entity to entity independent negotiable funds
US8793490B1 (en) 2006-07-14 2014-07-29 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
US7783532B2 (en) 2006-10-18 2010-08-24 Aol Inc. E-couponing
JP5167621B2 (ja) * 2006-10-18 2013-03-21 ソニー株式会社 データ処理システム及びデータ処理方法
US9779556B1 (en) 2006-12-27 2017-10-03 Stamps.Com Inc. System and method for identifying and preventing on-line fraud
US20080228565A1 (en) * 2007-03-13 2008-09-18 First Data Corporation Centralized Discount Searching
US20080228566A1 (en) * 2007-03-15 2008-09-18 Microsoft Corporation Processing coupons with payments
US20080228567A1 (en) * 2007-03-16 2008-09-18 Microsoft Corporation Online coupon wallet
US20080244635A1 (en) * 2007-03-29 2008-10-02 Pollard Edward E Method to encourage digital video recording users to view advertisements by providing compensation offers
US20080243604A1 (en) * 2007-03-29 2008-10-02 Pollard Edward E Method to dispose of compensation offers on a digital video recorder
KR100910758B1 (ko) * 2007-04-03 2009-08-04 주식회사 비즈모델라인 쿠폰(또는 상품권 또는 티켓) 운용 시스템
KR100910757B1 (ko) * 2007-04-03 2009-08-04 주식회사 비즈모델라인 쿠폰(또는 상품권 또는 티켓) 운용 방법
US8219533B2 (en) 2007-08-29 2012-07-10 Enpulz Llc Search engine feedback for developing reliable whois database reference for restricted search operation
US8055671B2 (en) 2007-08-29 2011-11-08 Enpulz, Llc Search engine using world map with whois database search restriction
US20090076904A1 (en) * 2007-09-17 2009-03-19 Frank David Serena Embedding digital values for digital exchange
US20090106058A1 (en) * 2007-10-17 2009-04-23 Yahoo! Inc. Assessing ad value
WO2009080100A1 (en) * 2007-12-20 2009-07-02 Telecom Italia S.P.A. Method and system for providing a content-on-demand service
JP4764443B2 (ja) * 2008-03-14 2011-09-07 株式会社タイトー インターネット端末装置におけるプリペードカード処理方法
US8229911B2 (en) 2008-05-13 2012-07-24 Enpulz, Llc Network search engine utilizing client browser activity information
US8180788B2 (en) 2008-06-05 2012-05-15 Enpulz, L.L.C. Image search engine employing image correlation
US8190623B2 (en) 2008-06-05 2012-05-29 Enpulz, L.L.C. Image search engine using image analysis and categorization
US8171041B2 (en) 2008-05-15 2012-05-01 Enpulz, L.L.C. Support for international search terms
US20090287471A1 (en) 2008-05-16 2009-11-19 Bennett James D Support for international search terms - translate as you search
US8250083B2 (en) 2008-05-16 2012-08-21 Enpulz, Llc Support for international search terms—translate as you crawl
US20100042469A1 (en) * 2008-08-18 2010-02-18 Microsoft Corporation Mobile device enhanced shopping experience
US20100257254A1 (en) * 2009-04-01 2010-10-07 Mayank Bhatnagar Apparatus, Method and System for Securely Handling Digital Transaction Documents
US10395269B2 (en) * 2009-05-20 2019-08-27 Inmar Clearing, Inc. Message broker for redemption of digital incentives
US9608826B2 (en) 2009-06-29 2017-03-28 Jpmorgan Chase Bank, N.A. System and method for partner key management
US20110208577A1 (en) * 2010-02-23 2011-08-25 Valassis Communications, Inc. Online Offer Distribution System And Mehtod
US20120284107A1 (en) * 2011-05-03 2012-11-08 Russell Gernaat Digital coupon clearinghouse
IN2014KN00998A (zh) 2011-10-12 2015-09-04 C Sam Inc
US9633363B2 (en) * 2012-11-08 2017-04-25 Thnx, Llc System and method of incentivized advertising
US9419957B1 (en) 2013-03-15 2016-08-16 Jpmorgan Chase Bank, N.A. Confidence-based authentication
US10148726B1 (en) 2014-01-24 2018-12-04 Jpmorgan Chase Bank, N.A. Initiating operating system commands based on browser cookies
CN109118213B (zh) * 2018-08-09 2022-08-05 腾讯科技（深圳）有限公司 在线支付方法、装置、终端及存储介质
KR20200034020A (ko) 2018-09-12 2020-03-31 삼성전자주식회사 전자 장치 및 그의 제어 방법

Family Cites Families (25)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4880964A (en) 1984-06-14 1989-11-14 Beatrice Foods Co. Scannable fraud preventing coupon
US4900904A (en) * 1986-11-26 1990-02-13 Wright Technologies, L.P. Automated transaction system with insertable cards for downloading rate or program data
WO1991017530A1 (en) 1990-05-01 1991-11-14 Environmental Products Corporation A method of transferring display and print data
US5231668A (en) * 1991-07-26 1993-07-27 The United States Of America, As Represented By The Secretary Of Commerce Digital signature algorithm
US5256863A (en) * 1991-11-05 1993-10-26 Comark Technologies, Inc. In-store universal control system
US5287181A (en) * 1992-08-20 1994-02-15 Holman Michael J Electronic redeemable coupon system and television
US5665952A (en) * 1993-09-07 1997-09-09 Ziarno; Witold A. Method of streamlining the acknowledgement of a multiplicity of contribution or gift commitments made at a plurality of remote locations to distinct fund-raising organizations and gift recipients and system therefor
US5380991A (en) * 1993-11-16 1995-01-10 Valencia; Luis Paperless coupon redemption system and method thereof
US5578808A (en) * 1993-12-22 1996-11-26 Datamark Services, Inc. Data card that can be used for transactions involving separate card issuers
US5594493A (en) 1994-01-19 1997-01-14 Nemirofsky; Frank R. Television signal activated interactive smart card system
US5880769A (en) * 1994-01-19 1999-03-09 Smarttv Co. Interactive smart card system for integrating the provision of remote and local services
US5604542A (en) * 1995-02-08 1997-02-18 Intel Corporation Using the vertical blanking interval for transporting electronic coupons
FR2733379B1 (fr) * 1995-04-20 1997-06-20 Gemplus Card Int Procede de generation de signatures electroniques, notamment pour cartes a puces
US5710866A (en) 1995-05-26 1998-01-20 Microsoft Corporation System and method for speech recognition using dynamically adjusted confidence measure
US5710886A (en) 1995-06-16 1998-01-20 Sellectsoft, L.C. Electric couponing method and apparatus
US5710887A (en) * 1995-08-29 1998-01-20 Broadvision Computer system and method for electronic commerce
US5806044A (en) 1996-02-20 1998-09-08 Powell; Ken R. System and method for distributing coupons through a system of computer networks
US5901287A (en) * 1996-04-01 1999-05-04 The Sabre Group Inc. Information aggregation and synthesization system
US5809242A (en) * 1996-04-19 1998-09-15 Juno Online Services, L.P. Electronic mail system for displaying advertisement at local computer received from remote system while the local computer is off-line the remote system
US5924080A (en) * 1996-05-28 1999-07-13 Incredicard Llc Computerized discount redemption system
US5924078A (en) * 1996-06-28 1999-07-13 Codesaver International, Inc. Consumer-provided promotional code actuatable point-of-sale discounting system
US5905246A (en) * 1996-10-31 1999-05-18 Fajkowski; Peter W. Method and apparatus for coupon management and redemption
US5956694A (en) * 1997-02-11 1999-09-21 Powell; Ken R. System and method for distributing and processing discount coupons
US6055513A (en) * 1998-03-11 2000-04-25 Telebuyer, Llc Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce
JP4055873B2 (ja) * 1998-05-15 2008-03-05 株式会社日立製作所 電子クーポンシステムおよび電子クーポン発券・検証方法

Also Published As

Publication number Publication date
EP1068581B1 (en) 2002-08-07
PL343003A1 (en) 2001-07-30
WO1999052051A1 (en) 1999-10-14
CN1295691A (zh) 2001-05-16
ES2178390T3 (es) 2002-12-16
EP1068581A1 (en) 2001-01-17
JP3516880B2 (ja) 2004-04-05
US6505773B1 (en) 2003-01-14
DE69902454D1 (de) 2002-09-12
DE69902454T2 (de) 2003-11-20
JP2000067312A (ja) 2000-03-03

Similar Documents

Publication Publication Date Title
TW515969B (en) Authenticated electronic coupon issuing and redemption
US7013286B1 (en) Generation, distribution, storage, redemption, validation and clearing of electronic coupons
US8712836B2 (en) Point-of-sale server and method
US6389401B1 (en) System and method for inverted promotions
KR100863319B1 (ko) 금융 거래 처리 시스템 및 방법
JP3616901B2 (ja) 電子ショッピングシステム
US6336098B1 (en) Method for electronic distribution and redemption of coupons on the world wide web
US6450407B1 (en) Chip card rebate system
US8676643B2 (en) System and method for inverted promotions
US20040078273A1 (en) Method and apparatus for relational linking based upon customer activities
US20090271265A1 (en) Electronic receipt system and method
US20060179006A1 (en) Method and system for electronic purchases using an intelligent data carrier medium, electronic coupon system, and interactive TV infrastructure
US20110161154A1 (en) Electronic Management of Reward Credits
US20070103993A1 (en) Personal Portable Devices
WO2009134807A2 (en) Electronic receipt system and method
JP2001351039A (ja) 電子クーポン取引システム及び電子クーポン利用支援システム
JP2001282796A (ja) サービス提供システム、サービス提供方法および記録媒体
JP3632051B2 (ja) ネットワーク決済処理システム、ネットワーク決済処理装置、ネットワーク決済処理方法、および、ネットワーク決済処理プログラム
US20070179838A1 (en) Method and system for coupon presentation
JP2002312659A (ja) シリアルナンバー利用のポイントサーバーシステム
JP4794105B2 (ja) メモリ内蔵型チップカードを使用して、広告情報と、その広告情報に関連する割引を提供する方法
Smith et al. Palmer
KR100552466B1 (ko) 리워드 서비스 방법 및 시스템
WO2007034780A1 (ja) プレミアムキャンペーンのためのキャンペーン情報処理システム
JP3959304B2 (ja) 販売促進システム

Legal Events

Date Code Title Description
GD4A Issue of patent certificate for granted invention patent
MK4A Expiration of patent term of an invention patent