US20190287084A1 - System and method for providing personalized customer assistance using a financial card having an rfid device - Google Patents
System and method for providing personalized customer assistance using a financial card having an rfid device Download PDFInfo
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- US20190287084A1 US20190287084A1 US16/433,352 US201916433352A US2019287084A1 US 20190287084 A1 US20190287084 A1 US 20190287084A1 US 201916433352 A US201916433352 A US 201916433352A US 2019287084 A1 US2019287084 A1 US 2019287084A1
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- 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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- 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
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- 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
- G06Q30/0215—Including financial accounts
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- 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
- G06Q30/0224—Discounts or incentives, e.g. coupons or rebates based on user history
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- 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
- G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
Abstract
Description
- This application is a continuation of, and claims priority under 35 U.S.C. § 120 to, U.S. patent application Ser. No. 10/824,178, filed Apr. 14, 2004, of the same title, the entire contents of which is incorporated herein by reference in its entirety.
- This invention relates in general to customer assistance and, more particularly, to a system and method for providing personalized customer assistance using information obtained from a financial card having an RFID device.
- Retail customers often frequent stores in which they are likely to receive personalized customer service. In nearly all retail outlets, a customer is unknown to the clerk or customer service representative serving them until the customer makes his or her purchase, at which time the clerk or cashier may learn the customer's name from the customer's credit or debit card. When a retailer is able to engage its customers more personally, the customers are likely to spend more time and money with the retailer. This increase in sales may occur during the present transaction as well as encourage future purchases from the retailer.
- In accordance with the present invention, systems and methods for providing personalized customer assistance using information obtained from a financial card having an RFID device. According to one embodiment, a method of providing personalized customer service is provided. The method includes receiving purchase information from purchases made from a merchant using a financial card affiliated with the merchant. The financial card has an associated financial account and an RFID device coupled thereto. The RFID device stores identification data identifying the customer and/or the financial account. The purchase information includes an identification of items purchased during the purchases. The method further includes causing the received purchase information to be stored in storage separate from the card as purchase history information associated with the financial account. The method includes reading the identification data from the RFID device using an RFID reading device, identifying the financial account based on the identification data, and retrieving from storage the stored purchase history information associated with the identified financial account. The method further includes providing personalized service to the customer tailored to the purchase history information associated with the identified financial account.
- According to another embodiment, another method of providing personalized customer service is provided. A financial card issuer provides a customer with a financial card having an RFID device coupled thereto. The financial card is affiliated with a merchant and has an associated financial account. The RFID device stores identification data identifying the customer and/or the financial account. The financial card issuer receives purchase information from one or more purchases made from the merchant using the financial card. The purchase information includes an identification of items purchased during the one or more purchases. The received purchase information is stored in storage separate from the card as purchase history information associated with the financial account. The financial card issuer periodically communicates the stored purchase history information to the merchant such that the merchant may provide personalized service to the customer tailored to the purchase history information associated with the identified financial account in response to the RFID device being detected and identified as being associated with the financial account.
- Various embodiments of the present invention may benefit from numerous advantages. It should be noted that one or more embodiments may benefit from some, none, or all of the advantages discussed below.
- One advantage of the invention is that personalized customer service may be provided to customers carrying RFID cards. A customer carrying such an RFID card tied to a financial account (such as a credit or debit account) may tap the card against an RFID reader at a merchant of customer service area, which may retrieve information regarding the past purchases by the customer from the merchant. A customer service representative may then assist the customer based on information regarding the customer, such as the customer's name and past purchases. For example, the customer service representative may use the customer's name and may help the customer identify which items to purchase for a particular project, and may help the customer locate and collect the items. In addition, the merchant may provide the customer financial incentives to use the RFID card to make purchases from the merchant rather than from another merchant, such as a competitor. The merchant may provide the customer financial rewards for making such purchases, such as using a system of loyalty points. Thus, customers may wish to use such RFID cards rather than other cards to make purchases from the merchant, which may be financially advantageous to both the entity that maintains the account tied to the RFID card, as well as the merchant. In addition, the RFID card may also provide the customer benefits such as instant coupons and customized specials based on the customer's past purchase patterns.
- Other advantages will be readily apparent to one having ordinary skill in the art from the following figures, descriptions, and claims.
- For a more complete understanding of the present invention and for further features and advantages, reference is now made to the following description, taken in conjunction with the accompanying drawings, in which:
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FIG. 1 illustrates an example system for providing personalized customer assistance using information obtained from a financial card having an RFID device in accordance with an embodiment of the invention; -
FIG. 2 illustrates a financial card provider and merchant of the system ofFIG. 1 in accordance with one embodiment of the invention; -
FIG. 3 illustrates a financial card provider in accordance with another embodiment of the invention; and -
FIG. 4 illustrates an example method of providing personalized customer assistance to a customer using in accordance with the embodiment shown inFIG. 2 . - Example embodiments of the present invention and their advantages are best understood by referring now to
FIGS. 1 through 4 of the drawings, in which like numerals refer to like parts. -
FIG. 1 illustrates anexample system 10 for providing personalized customer assistance using information obtained from a financial card having a radio frequency identification (RFID) device in accordance with an embodiment of the invention.System 10 includes afinancial card provider 12, amerchant 14, and a plurality of account holders, or cardholders, 16. Various components ofsystem 10 may be coupled to each other by acommunications network 20. For example, in the embodiment shown inFIG. 1 ,financial card provider 12 andmerchant 14 are coupled to each other bycommunications network 20. - Generally,
financial card provider 12 andmerchant 14 cooperate to provide personalized customer assistance tocustomers 16 based on information obtained from financial cards having an RFID device attached thereto. For example, thefinancial card provider 12 may be a credit card issuer that provides a customer 16 acredit card 22 having anRFID device 24 attached thereto, which card may be referred to as anRFID credit card 22. TheRFID credit card 22 has an associatedcredit card account 26 maintained bycredit card provider 12 and may or may not be affiliated with themerchant 14, such as a department store credit card, for example. TheRFID credit card 22, which may be an RFID tag, for example, stores a unique identification code which may be used to identify theRFID credit card 22 from other RFID cards or tags. TheRFID credit card 22 may also store information identifying thecustomer 14 and/or thecredit account 26, such as a customer ID number or an account number, for example. Each time thecustomer 16 makes purchases frommerchant 14 usingRFID credit card 22, purchase information such as a listing of each item and the cost of each item purchased is recorded in connection with the credit account. When thecustomer 16 enters the merchant's premises or store to make subsequent purchases, she may tap theRFID credit card 22 on a designated spot, such as on a kiosk, bar or sign, which may contain anRFID reading device 30, such as an RFID tag reader. TheRFID reading device 30 and associated electronics may read the identification code and/or other information from theRFID device 24 onRFID credit card 22 and identify thecredit account 26, the customer's name, and the recorded purchase history information associated with thecredit account 26. Based on this purchase history information,merchant 14 may then provide thecustomer 16 personalized customer service. For example, a customer service representative ofmerchant 14 may engage thecustomer 16 using the customer'sname 16. As another example, the customer service representative may help thecustomer 16 determine what items thecustomer 16 will want to purchase and provide assistance with locating and collecting those items. In addition,merchant 14 may provide the customer 16 a financial reward based on past purchases made by thecustomer 16. Further, the merchant may print out personalized instant coupons or personalized advertised specials for that day or for future dates. -
Financial card provider 12 may include any entity suitable for providing a customer financial card having anRFID device 24 attached thereto, which may be referred to as anRFID card 22, and maintaining afinancial account 26 associated with such anRFID card 22 for thecustomer 16. For example only and not by way of limitation,financial card provider 12 may in particular embodiments include a bank, a credit union, or a credit card issuer.Financial card provider 12 is described in greater detail below with reference toFIGS. 2 and 3 . Afinancial account 26 may be a credit card account, a debit account, or any other suitable type of account that may be maintained byfinancial card provider 12. - An
RFID card 22 may be any card or other item having anRFID device 24 attached thereto. TheRFID device 24 may be attached to thecard 22 in any suitable manner, such as being externally affixed to one side of thecard 22 or embedded within thecard 22, for example. TheRFID device 24 may be an RFID tag and may include one or more RFID transmitters, RFID receivers, RFID transceivers, antennae, integrated circuits, memory and/or any other suitable components as known by those skilled in the art of RFID devices. EachRFID device 24 associated with amerchant 14 may have different orunique identification data 25 which may be used to identify theaccount 26 corresponding with theRFID card 22. Thus, eachRFID device 24 may be identified and distinguished fromother RFID devices 24. The identification data may include one or more types of codes, such as a version number, a domain manager, a class code and/or a serial number. For example, in one embodiment, the identification code of eachRFID device 24 is a 96-bit code. - In addition, the
identification data 25 may include the customer's name, which may be read and used by a customer service representative ofmerchant 14 to engage thecustomer 16 more personally, as described below. AlthoughRFID card 22 is referred to herein as a “card,” anRFID card 22 may be any item having anRFID device 24 coupled thereto, such as described above. For example,RFID card 22 may be a key fob or disk having anRFID device 24 coupled thereto. - An
RFID card 22 may be any of a variety of types of cards having an associated account, such as a store affinity card or a loyalty card specific to aparticular merchant 14, a general credit card (such as a VISA™ or MASTERCARD™, for example), a credit card having an affiliation to a particular merchant 14 (such as a Lowes™ credit card, for example), a debit card, or a hybrid credit/debit card, for example. Acustomer 16 may be any new, existing or potential customer ofmerchant 14 suitable to receive and use anRFID card 22. -
Merchant 14 may include any entity suitable to accept payment from a financial card, such as anRFID credit card 22 or anRFID debit card 22, in exchange for various products or services.Merchant 14 may include a single entity (such as, for example, an individual store) or a number of entities (such as, for example, a chain of stores).Merchant 14 may include a seller or distributor that sells items produced by one or more otherwise unaffiliated producers. In addition or as an alternative,merchant 14 may include a producer that sells one or more items it produces directly to debit card holders, bypassing distributors. Althoughmerchant 14 is described as selling items to debit card holders, the present invention, as described above, contemplates any suitable transactions betweenmerchant 14 and debit card holders. As an example,merchant 14 may rent one or more items to debit card holders. As another example,merchant 14 may include an entity which provides services in exchange for payment from a debit card, such as a barber or auto mechanic, for example. -
Communications network 20 may, in particular embodiments, include one or more local area networks (LANs), metropolitan area networks (MANs), wide area networks (WANs), portions of the Internet, or any other appropriate wireline, optical, wireless, or other links. AlthoughFIG. 1 illustrates communication betweenfinancial card provider 12 andmerchant 14 viacommunications network 20, the present invention contemplates any suitable form of communication between such entities. For example,financial card provider 12 andmerchant 14 may communicate by telephone or carrier mail. -
FIG. 2 illustratesfinancial card provider 12 andmerchant 14 in accordance with one embodiment of the invention. According to the illustrated embodiment,financial card provider 12 includes anaccount database 40 which stores account information regarding variousfinancial accounts 26, each associated with one ormore RFID cards 22. As discussed above,financial card provider 12 is coupled tomerchant 14 viacommunications network 20. - In this embodiment,
merchant 14 includes akiosk 46, apurchase processing system 48, adata management system 50, one ormore operator terminals 52 and a number offunction modules 54. The components ofmerchant 14 may be located at one or more sites and may be coupled to each other using one or more links, each of which may include some or all of a computer bus, local area networks (LANs), metropolitan area networks (MANs), wide area networks (WANs), portions of the Internet, a public switched telephone network (PSTN), any other appropriate wireline, optical, wireless, or other suitable communication link, or any combination of the preceding. -
Kiosk 46 may include one or moreRFID reading devices 30, such as described above regardingFIG. 1 .Kiosk 46 may be a customer service kiosk or a stand-alone kiosk. In one embodiment,kiosk 46 may be located at or near a customer service counter or area provided bymerchant 14. In alternative embodiments,kiosk 46 may merely be a bar or sign, including one or moreRFID reading devices 30, against which acustomer 16 may tap or swipe anRFID card 22. - In another embodiment, one or more
RFID reading devices 24 may be positioned atmerchant 14 such that theRFID reading devices 24 may automatically detect anRFID card 22 when theRFID card 22 enters the premises ofmerchant 14 or other particular area. Thus, thecustomer 16 may not have to tap or otherwise interface herRFID card 22 against anRFID reading device 24, such as anRFID reading device 24 at a kiosk. -
Purchase processing system 48 may include any devices operable to receive a payment from anRFID card 22. For example, in the embodiment shown inFIG. 2 , purchaseprocessing system 48 includes acash register 56 and afinancial card reader 58.Financial card reader 58 may include any device operable to read a financial card, such as a credit card reader, a debit card reader, or a combined credit/debit card reader for example. It should be understood thatpurchase processing system 48 may include any other devices suitable for processing a payment from anRFID card 22. - An
operator terminal 30 may provide an operator, such as a store clerk, manager, or customer service personnel, for example, with access todata management system 50 to configure, manage, or otherwise interact withdata management system 50. Anoperator terminal 30 may include a computer system. As used in this document, the term “computer” refers to any suitable device operable to accept input, process the input according to predefined rules, and produce output, for example, a personal computer, workstation, network computer, wireless data port, wireless telephone, personal digital assistant, one or more processors within these or other devices, or any other suitable processing device. -
Data management system 50 may manage data associated withcustomers 16 and/or RFID cards 22 (such as purchase history information stored indata storage module 84 discussed below, for example), which may in particular embodiments include creating, modifying, and deleting data files associated withcustomers 16,RFID cards 22 or accounts 26 automatically or in response to data received fromRFID reading devices 30,purchase processing system 48,operator terminals 52 orfunction modules 54. Additionally,data management system 50 may call the one ormore function modules 54 to provide particular functionality according to particular needs, as described more fully below.Data management system 50 may include adata processing unit 60, amemory unit 62, anetwork interface 64, and any other suitable components for managing data associated withcustomers 16,RFID cards 22 and/or accounts 26. The components ofdata management system 50 may be supported by one or more computer systems at one or more sites. One or more components ofdata management system 50 may be separate from other components ofdata management system 50, and one or more suitable components ofdata management system 50 may, where appropriate, be incorporated into one or more other suitable components ofdata management system 50. -
Data processing unit 60 may process data associated withcustomers 16 and/orRFID cards 22, which may include executing coded instructions that may in particular embodiments be associated with the one ormore function modules 54.Memory unit 62 may be coupled todata processing unit 60 and may include one or more suitable memory devices, such as one or more random access memories (RAMs), read-only memories (ROMs), dynamic random access memories (DRAMs), fast cycle RAIVIs (FCRAMs), static RANI (SRAMs), field-programmable gate arrays (FPGAs), erasable programmable read-only memories (EPROMs), electrically erasable programmable read-only memories (EEPROMs), microcontrollers, or microprocessors.Network interface 64 may provide an interface betweendata management system 52 andcommunications network 20 such thatdata management system 52 may communicate withfinancial card provider 12. - A
function module 54 may provide particular functionality associated withmerchant 14. As an example only and not by way of limitation, afunction module 54 may provide functionality associated with providingRFID cards 22 tocustomers 16, enabling or activatingRFID devices 24 onRFID cards 22, processing purchases made usingRFID cards 22, receiving and managing purchase information, providing personalized customer service, and providing financial incentives and rewards to customers. Afunction module 54 may be called bydata management system 50 possibly as a result of data received from anRFID reading device 30, anoperator terminal 30 or anotherfunction module 54, for example. In response, thefunction module 54 may provide the particular functionality associated with thefunction module 54 and communicate one or more results todata processing unit 60 or one or more other suitable components ofdata management system 50. The communicated results may be used to create, modify, or delete one or more data files associated with one ormore customers 16,RFID cards 22 and/or accounts 26, provide data to an operator at anoperator terminal 30, or perform any other suitable task. -
Function modules 54 are operable to perform various functions in the operation of thesystem 10. According to the embodiment shown inFIG. 2 ,function modules 54 include apurchase information module 70, adata storage module 72, a purchaseinformation management module 74, acustomer service module 76, afinancial incentive module 78, and afinancial reward module 80. Likedata management system 50,function modules 54 may be physically distributed such that eachfunction module 54 or multiple instances of eachfunction module 54 may be located in a different physical location geographically remote from each other, fromdata management system 50, or even frommerchant location 22. In addition, eachfunction module 54 may be partially or completely integrated withother function modules 54 and/or with other components oftracking management system 26. For example,particular function modules 54 may includeoperator terminals 30 such that at least a portion of the functionality ofsuch function modules 54 is provided by human operators. Thus, it should be understood that the functionality provided by eachfunction module 54 may be completely automated, partially automated, or completely human-controlled. -
Purchase information module 70 may receivepurchase information 82 frompurchase processing system 48 for purchases made by acustomer 16 using anRFID card 22. For each transaction, purchaseinformation 82 may include information identifying the RFID card 18 or thecorresponding account 26, an identification of each item purchased, the cost of each item purchased, the total cost of the transaction, any discounts, rebates or coupons used, and any other relevant information regarding the transaction. The information identifying the RFID card 18 may include information read from the RFID card 18, such asidentification information 25, or traditional information identifying a financial card, such as a credit card or debit card account number, for example. -
Purchase information module 70 may communicatesuch purchase information 82 todata storage module 72 for storage.Data storage module 72 may store thepurchase information 82 regarding the RFID card 18 or thecorresponding account 26 aspurchase history information 84 linked to that RFID card 18 or correspondingaccount 26.Data storage module 72 may include one or more databases which may include any suitable memory devices, such as one or more random access memories (RAMs), read-only memories (ROMs), dynamic random access memories (DRAMs), fast cycle RAMs (FCRAMs), static RAM (SRAMs), field-programmable gate arrays (FPGAs), erasable programmable read-only memories (EPROMs), electrically erasable programmable read-only memories (EEPROMs), microcontrollers, or microprocessors.Data storage module 72 may be separate from or partially or completely integrated withmemory unit 62 ofdata management system 50. - Purchase
information management module 74 may be operable to receiveidentification information 25 read by anRFID reading device 30, identify thecorresponding RFID card 22 and/orfinancial account 26 based on theidentification data 30, and retrieve fromdata storage module 72 storedpurchase history information 84 associated with the identifiedRFID card 22 and/orfinancial account 26. For example, if acustomer 16 swipes hisRFID card 22 against anRFID reader 30 atkiosk 46, theRFID reader 30 may read theidentification information 25 stored on theRFID card 22 and communicate theidentification information 25 to purchaseinformation management module 74. Purchaseinformation management module 74 may then communicate theidentification information 25 todata storage module 72 in order to retrievepurchase history information 74 regarding thecustomer 16. Purchaseinformation management module 74 may then provide thispurchase history information 74 to other modules, such as customerservice management module 76 orfinancial rewards module 80, for example, in order to provide various personalized services to thecustomer 16, as discussed below. -
Customer service module 76 may provide personalized service to acustomer 16 using anRFID card 22 tailored to thepurchase history information 84 associated with thatRFID card 22 or correspondingfinancial account 26.Customer service module 76 may receivepurchase history information 84 for thecustomer 16 fromdata storage module 72 and/or purchaseinformation management module 74 and offer or provide personalized service accordingly. In some embodiments,customer service module 76 may offer the customer 16 a discount, rebate, or coupon for particular items based on the items previously purchased or the amounts previously spent frommerchant 14 by thecustomer 16. For example,customer service module 76 may offer the customer 16 a discount on a particular item if thecustomer 16 has purchased a particular quantity of that item in the past. As another example,customer service module 76 may help thecustomer 16 determine what items thecustomer 16 will need for a particular project (such as if thecustomer 16 has previously made purchases for a similar project). As yet another example,customer service module 76 may help thecustomer 16 locate particular items within the premises ofmerchant 14. -
Customer service module 76 may be only partially automated such that a human agent ofmerchant 14, such as a manager or customer service employee, may assist thecustomer 16 based on information provided to the agent using computerized means. For example,customer service module 76 may generate a computer print-out of information regarding thecustomer 16, such aspurchase history information 84 associated with thecustomer 16, which may be used by a human agent to help provide various types of personalized customer service to thecustomer 16 based on the printout. A customer service representative ofmerchant 14 may engage thecustomer 16 using the customer'sname 16 identified by thepurchase history information 84. Alternatively,customer service module 76 may be fully automated such that acustomer 16 may receive personalized customer service based on theirpurchase history information 84 without needing assistance from an agent ofmerchant 14. For example,customer service module 76 may generate a computer print-out for thecustomer 16 which may help the customer identify and locate particular items, identify potential discounts, rebates or coupons, or other personalized assistance. As another example,customer service module 76 may include a monitor or other visual interface such that thecustomer 16 may retrieve and view such customer service information directly. -
Financial reward module 80 may provide various financial rewards to acustomer 16 based onpurchase history information 84 associated with a customer'sRFID card 22 or correspondingfinancial account 26. In one embodiment,financial reward module 80 may award and manage loyalty points for afinancial account 26 and offer or provide the corresponding customer 16 a financial reward based on the number of loyalty points awarded to the financial account.Financial reward module 80 may receivepurchase history information 84 for anaccount 26 fromdata storage module 72 and determine the number of loyalty points to award theaccount 26.Financial reward module 80 may then cooperate withcustomer service module 76 to offer or provide thecustomer 16 financial rewards, such as discounts, rebates, or coupons, for example, based on the number of loyalty points awarded toaccount 26. In some embodiments,financial reward module 80 may offer the customer 16 a financial reward based on the items that thecustomer 16 has selected to purchase. For example, thecustomer 16 may select items to purchase, then tap or swipe her RFID card 18 against anRFID reading device 30 which may then employvarious modules 54 to retrievepurchase history information 84 associated with the customer 16 (such as described above).Financial reward module 80 may then offer thecustomer 16 various financial rewards based on the selected items to be purchased and thepurchase history information 84 associated with thecustomer 16. Thus, acustomer 16 may select items to be purchased and determine the potential rewards (such as discounts and rebates) that may be obtained by purchasing such items before actually purchasing the items. -
Financial incentive module 82 may offer and provide a customer 16 a financial incentive for making purchases frommerchant 14. For example, in some embodiments,RFID card 22 is affiliated withmerchant 14 but may be used to make purchases from one or more other merchants, such as a VISA™ or MASTERCARD™ affiliated with aparticular merchant 14.Financial incentive module 82 may offer customer 16 a financial incentive for purchasing items frommerchant 14 rather than from another merchant, such as a competitor ofmerchant 14, for example. -
FIG. 3 illustratesfinancial card provider 12 in accordance with another embodiment of the invention. In the embodiment shown inFIG. 3 , much of the functionality that is provided byfunction modules 54 maintained bymerchant 14 in the embodiment shown inFIG. 2 is provided instead byfinancial card provider 12. According to the embodiment ofFIG. 3 ,financial card provider 12 includes adata management system 90, one ormore operator terminals 92, and a number offunction modules 94. -
Data management system 90 andoperator terminals 92 may be similar todata management system 50 andoperator terminals 52, respectively, described above with regard toFIG. 2 . In addition,function modules 94 may be similar tofunction modules 54 described above with regard toFIG. 2 . In the embodiment shown inFIG. 3 ,function modules 94 include a financialcard issuing module 96, a purchase historyinformation storage module 98, and afinancial rewards module 100. - Financial
card issuing module 96 may providecustomers 16 withRFID cards 22, such as by carrier mail, for example. Purchase historyinformation storage module 98 may provide various functionality discussed above regardingpurchase information module 70,data storage module 72, and purchaseinformation management module 74 of the embodiment ofFIG. 2 . For example, when acustomer 16 makes a purchase frommerchant 14 using anRFID card 22,purchase processing system 48 or purchaseinformation module 70 of merchant 14 (seeFIG. 2 ) may communicate the receivedpurchase information 82 to purchase historyinformation storage module 98, such as viacommunications network 20. Purchase historyinformation storage module 98 may receive and store thispurchase information 82 aspurchase history information 84 associated with thefinancial account 26 identified by thepurchase information 82. - Purchase history
information storage module 98 may manage suchpurchase history information 84 forvarious accounts 26 and periodically communicate suchpurchase history information 84 to merchant 14 (such as via communications network 20) such thatmerchant 14 may provide personalized customer service tocustomers 16 tailored to thepurchase history information 84. For example, purchase historyinformation storage module 98 may periodically communicatepurchase history information 84 forvarious accounts 26 todata storage module 72 maintained bymerchant 14.Customer service module 76 andfinancial reward module 78 ofmerchant 14 may then retrieve and usepurchase history information 84 fromdata storage module 72 as described above with reference toFIG. 2 . Thus, in some embodiments,financial card provider 12 may perform the management and analysis ofpurchase history information 84 foraccounts 26, and then periodically update such information stored bymerchant 14. The term “periodically” means occurring from time to time, which may or may not be at a constant frequency. For example only and not by way of limitation, purchase historyinformation storage module 98 may communicatepurchase history information 84 tomerchant 14 each week or each month, when thecustomer 16 has made a particular number or dollar amount of purchases, or in response to a request fromcustomer service module 76. -
Financial rewards module 100 may be similar tofinancial rewards module 80 discussed above with reference toFIG. 2 . For example,financial rewards module 100 may manage loyalty points for anaccount 26 earned by making purchases using anRFID card 22.Financial rewards module 100 may then communicate this information tomerchant 14 such that themerchant 14 may provide the appropriate customer 16 a financial reward based on the number of loyalty points earned by thatcustomer 16. - Other embodiments of
system 10 may include various combinations and alternatives of the embodiments shown inFIGS. 2 and 3 . For example, any of the functionality provided byvarious function modules merchant 14 orfinancial card provider 12. In addition, particular functionality may be shared bymerchant 14 andfinancial card provider 12, while other functionality may be performed redundantly by bothmerchant 14 andfinancial card provider 12. -
FIG. 4 illustrates an example method of providing personalized customer assistance to acustomer 16 using information obtained from anRFID card 22 in accordance with the embodiment shown inFIG. 2 . Atstep 120,financial card provider 12 provides anRFID card 22 to acustomer 16. In this embodiment, the RFD)card 22 is a credit card affiliated with aparticular merchant 14 but which may also be used to make purchases from other merchants. Atstep 122,financial card provider 12 establishes acredit card account 26 forRFID card 22. TheRFID device 24 on theRFID card 22 stores anidentification code 25 that identifies theRFID card 22 andcredit card account 26. - At
step 124, the customer makes purchases frommerchant 14. For each purchase,various purchase information 82 is collected and stored bydata storage module 72 aspurchase history information 84. Thepurchase history information 84 is linked to theidentification code 25 for theRFID card 22 andcredit card account 26.Financial reward module 80 may determine whether thecustomer 16 has earned any financial rewards after each purchase. Atstep 126,financial reward module 80 determines thatcustomer 16 has earned a financial reward namely, a $10 discount on his next purchase of a particular item frommerchant 14. Thecustomer 16 purchases the particular item frommerchant 14 and is awarded the $10 discount at the register. - At
step 128, thecustomer 16 enters the store ofmerchant 14 wishing to purchase materials for a project for whichcustomer 16 has purchased materials frommerchant 14 in the past.Customer 16 walks up to thecustomer service kiosk 46 and taps herRFID card 22 against a designated spot which at which anRFID reader 30 is located. Atstep 130, theRFID reader 30 reads theidentification data 25 from theRFID card 22 and communicates theidentification data 25 to purchaseinformation management module 74. Atstep 132, using theidentification data 25, purchaseinformation management module 74 retrieves fromdata storage module 72 thepurchase history information 84 stored in association with theaccount 26 identified byidentification data 25. Atstep 134,customer service module 76 analyzes the retrievedpurchase history information 84 regardingRFID card 22 and generates a computer print-out of each of the items purchased bycustomer 16 usingRFID card 22 in the last few years. Atstep 136, a customer service agent at thekiosk 46 receives the computer print-out and helps thecustomer 16 find the customer's past purchase of materials for the same project. The customer service representative may engage thecustomer 16 using the customer'sname 16 identified by thepurchase history information 84. The customer service agent may then help thecustomer 16 locate and collect the proper materials for the project. - At
step 138, thecustomer 16 continues to make purchases frommerchant 14, as well as from other merchants. Atstep 140,financial card provider 12 offers the customer 16 a financial incentive to make purchases frommerchant 14 rather than from identified competitors ofmerchant 14. For example,financial card provider 12 may offer the customer 16 a 3% credit for all purchases made frommerchant 14 as opposed to a 1% credit for all purchases made from a list of competitors ofmerchant 14.Financial card provider 12 andmerchant 14 may have a suitable arrangement to establish and maintain such a financial incentive system. Atstep 142, the customer makes purchases frommerchant 14, thus receiving the 3% credit fromfinancial card provider 12. - In this manner, personalized customer service may be provided to
customers 16 usingRFID cards 22. Thus,customers 16 may wish to useRFID cards 22 rather than other cards to make purchases, which may be advantageous to thefinancial card Provider 12 that maintains theaccounts 26 forsuch RFID cards 22. In addition,RFID cards 22 that are affiliated with aparticular merchant 14 may provide increased sales to thatmerchant 14, ascustomers 16 may wish to useRFID cards 22 affiliated with themerchant 14 in order to get personalized customer service, as well as financial incentives and rewards. - Modifications, additions, or omissions may be made to the method without departing from the scope of the invention. Additionally, steps may be performed in any suitable order without departing from the scope of the invention.
- Although an embodiment of the invention and its advantages are described in detail, a person skilled in the art could make various alterations, additions, and omissions without departing from the spirit and scope of the present invention as defined by the appended claims.
Claims (20)
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