WO2015039133A1 - Procédés et systèmes d'offre de rachat aux clients - Google Patents

Procédés et systèmes d'offre de rachat aux clients Download PDF

Info

Publication number
WO2015039133A1
WO2015039133A1 PCT/US2014/055947 US2014055947W WO2015039133A1 WO 2015039133 A1 WO2015039133 A1 WO 2015039133A1 US 2014055947 W US2014055947 W US 2014055947W WO 2015039133 A1 WO2015039133 A1 WO 2015039133A1
Authority
WO
WIPO (PCT)
Prior art keywords
consumer
offer
processing system
clo
business
Prior art date
Application number
PCT/US2014/055947
Other languages
English (en)
Inventor
Thomas Burgess
Francis Correra
Douglas M. SPEAR JR.
Original Assignee
Linkable Networks, Inc.
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
Priority claimed from US14/028,535 external-priority patent/US20140100929A1/en
Application filed by Linkable Networks, Inc. filed Critical Linkable Networks, Inc.
Priority to EP14844003.5A priority Critical patent/EP3047446A4/fr
Priority to CA2927614A priority patent/CA2927614A1/fr
Publication of WO2015039133A1 publication Critical patent/WO2015039133A1/fr

Links

Classifications

    • 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
    • G06Q30/06—Buying, selling or leasing transactions
    • 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

Definitions

  • a computer-implemented offer redemption method in accordance with one or more embodiments includes the steps of: (a) presenting an offer to a consumer from an offering business, the offer covering a product or service or a purchase from a third-party; (b) receiving activation of the offer from the consumer prior to the consumer purchasing the product or service and storing it in the computer storage system; (c) determining whether the consumer is a registered user by searching a database of the offering business; (d) if the consumer is not registered with the offering business, asking the user for a unique identifier; and (e) searching a cooperative computer card link offer (“CLO”) network including multiple card link offer businesses for consumer data that match the unique identifier to determine if the consumer has previously registered with any other card link offer business.
  • CLO cooperative computer card link offer
  • the embodiments disclosed herein provide an offer redemption system and method for processing, storing, tracking, recording and redeeming offers that are made available to consumers.
  • the offers are linked by the offer processing system to a consumer payment account that is registered with the offer processing system in order to link and redeem the offer.
  • the offer processing system process the transaction and initiates an offer settlement to the consumer automatically, without further action required by the consumer, as described in greater detail herein below.
  • incentives refers to an incentive presented to a consumer.
  • incentives may include, but are not limited to, rebates for purchasing a particular product or service (or a collection of products or services) or for making a purchase from a particular retailer (or group of retailers), or other inducements that encourage the consumer to purchase a product, service, membership, or the like.
  • Offers can include restrictions such as, e.g., retailer constraints, product or SKU-level constraints, date constraints, and purchase amount constraints. Referring to Fig. 1, there is illustrated one example of how a consumer can use an advertised offer to obtain an incentive, for example a rebate, for purchasing a product or service.
  • the rebate or savings offered are automatically settled back to the consumer's payment account or to another account of the consumer's choosing (for example gift cards, points in a reward program, payment to a third-party, etc.), as will be described in further detail below in connection with FIG. 2.
  • the other members 26 of the CLO business network 18 are then requested to search for a consumer having data that matches the unique identifier 24.
  • Step 5 The offer issuing entity verifies that the purchase qualifies for the offer.
  • the offer issuing entity verifies that particular products or services covered by the offer were purchased by the customer in the customer transaction, for example, by matching specific transaction data, such as whether the product or service was purchased on a certain date or range of dates, from a specified retailer, at or above a specified price, or in combination with other products.
  • Step 5 A consumer registered with the offer processing system links a SKU- level offer, e.g., by clicking on an enabled offer presented on a website or other media as described above.
  • SKU-level offers are specific to individual products, e.g., 10% off a PanasonicTM 12.1 Megapixel Digital Camera (UPC xxx, retailer SKU xxx— by Jun. 15, 2012).
  • Step 8 The offer processing system monitors active consumer payment transactions via direct access to the bank (or other payment vehicle source, e.g., mobile wallet) or through a third party data provider to match consumer purchase data (from the debit details) to a retailer or set of retailers designated in the campaign.
  • Step 9 When consumer transactions at a designated retailer are identified, the offer processing system performs a preliminary transaction-to-offer matching process to identify possible qualified transactions by eliminating transactions that do not meet the rebate criteria (e.g., the purchase amount is less than the SKU item price, a date constraint is not satisfied, or a retailer constraint is not satisfied).
  • the rebate criteria e.g., the purchase amount is less than the SKU item price, a date constraint is not satisfied, or a retailer constraint is not satisfied.
  • Step 11 The retailer (e.g., Best Buy) or third party SKU data provider determines whether the purchase meets the requirements of the offer. Specifically, the retailer(s) or third party SKU data provider uses the data provided by the offer processing system to search its transaction records for a unique transaction that best matches the transaction data provide by the system. When a match is made, the retailer(s) or third party SKU data provider reviews the basket or SKU data associated with the transaction to determine whether a qualified purchase has been made.
  • the retailer e.g., Best Buy
  • third party SKU data provider uses the data provided by the offer processing system to search its transaction records for a unique transaction that best matches the transaction data provide by the system. When a match is made, the retailer(s) or third party SKU data provider reviews the basket or SKU data associated with the transaction to determine whether a qualified purchase has been made.
  • the retailer(s) or third party SKU data provider may also elect to confirm that the transaction satisfies other offer conditions, including but not limited to whether (i) a retailer level offer has been applied to excluded items (e.g., a gift card or cash back on a debit card), (ii) the consumer has returned the goods for a credit as part of a future transaction, thus eliminating the qualifying sale, (iii) the consumer has impermissibly stacked offers (e.g., presented a paper coupon for a 10% discount and attached a card linked offer for another 10% rebate).
  • a retailer level offer has been applied to excluded items (e.g., a gift card or cash back on a debit card)
  • the consumer has returned the goods for a credit as part of a future transaction, thus eliminating the qualifying sale
  • impermissibly stacked offers e.g., presented a paper coupon for a 10% discount and attached a card linked offer for another 10% rebate.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

La présente invention concerne un procédé d'offre de rachat mis en œuvre par ordinateur qui présente et traite des offres aux consommateurs par des offres par l'association d'offres provenant d'établissements commerciaux directement à un compte de paiement d'un consommateur, et permet le partage d'information des consommateurs entre des fournisseurs d'offres associées aux cartes. Le procédé d'offre de rachat mis en œuvre par ordinateur comprend les étapes suivantes : la présentation d'une offre à un consommateur provenant d'un établissement commercial qui propose une offre ; la réception d'activation de l'offre depuis le consommateur préalablement à l'achat du produit par le consommateur et son stockage dans un système de stockage d'ordinateur ; la détermination de pour savoir si le consommateur est un utilisateur enregistré par la recherche dans une base de données de l'établissement commercial qui propose l'offre ; si le consommateur n'est pas enregistré auprès de l'établissement commercial qui propose l'offre, la demande au consommateur pour un identifiant unique ; et la recherche dans un réseau informatique coopératif de carte associée à l'd'offre associée à une carte pour des données de consommateur qui correspond à l'identifiant unique pour déterminer si le consommateur s'est précédemment enregistré auprès d'un autre établissement commercial proposant des offres associées à une carte.
PCT/US2014/055947 2013-09-16 2014-09-16 Procédés et systèmes d'offre de rachat aux clients WO2015039133A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP14844003.5A EP3047446A4 (fr) 2013-09-16 2014-09-16 Procédés et systèmes d'offre de rachat aux clients
CA2927614A CA2927614A1 (fr) 2013-09-16 2014-09-16 Procedes et systemes d'offre de rachat aux clients

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/028,535 2013-09-16
US14/028,535 US20140100929A1 (en) 2010-08-04 2013-09-16 Consumer offer redemption methods and systems

Publications (1)

Publication Number Publication Date
WO2015039133A1 true WO2015039133A1 (fr) 2015-03-19

Family

ID=52666447

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2014/055947 WO2015039133A1 (fr) 2013-09-16 2014-09-16 Procédés et systèmes d'offre de rachat aux clients

Country Status (3)

Country Link
EP (1) EP3047446A4 (fr)
CA (1) CA2927614A1 (fr)
WO (1) WO2015039133A1 (fr)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020120496A1 (en) * 1995-12-26 2002-08-29 Scroggie Michael C. System and method for providing shopping aids and incentives to customers through a computer network
KR20120137534A (ko) * 2011-04-07 2012-12-24 (주) 고은 쿠폰 판매 관리 시스템 및 방법
US20130124306A1 (en) * 2011-11-14 2013-05-16 Google Inc. Voucher code redemption via sms
US8489456B2 (en) * 2010-08-04 2013-07-16 Linkable Networks, Inc. Consumer offer redemption methods and systems
US20130185125A1 (en) * 2012-01-12 2013-07-18 Mastercard International Incorporated Systems and methods for managing overages in daily deals

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020120496A1 (en) * 1995-12-26 2002-08-29 Scroggie Michael C. System and method for providing shopping aids and incentives to customers through a computer network
US8489456B2 (en) * 2010-08-04 2013-07-16 Linkable Networks, Inc. Consumer offer redemption methods and systems
KR20120137534A (ko) * 2011-04-07 2012-12-24 (주) 고은 쿠폰 판매 관리 시스템 및 방법
US20130124306A1 (en) * 2011-11-14 2013-05-16 Google Inc. Voucher code redemption via sms
US20130185125A1 (en) * 2012-01-12 2013-07-18 Mastercard International Incorporated Systems and methods for managing overages in daily deals

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP3047446A4 *

Also Published As

Publication number Publication date
CA2927614A1 (fr) 2015-03-19
EP3047446A4 (fr) 2017-03-01
EP3047446A1 (fr) 2016-07-27

Similar Documents

Publication Publication Date Title
US8489456B2 (en) Consumer offer redemption methods and systems
CA2834156C (fr) Procedes et systemes de verification et de remboursement d'offres et de cadeaux dynamiques
US11270301B2 (en) System and method for managing merchant-consumer interactions
CA2738508C (fr) Systeme pour crediter un compte et notifier un consommateur de la transaction en temps reel
US20130103472A1 (en) Affiliate offer redemption method and system
US20140100929A1 (en) Consumer offer redemption methods and systems
US8442913B2 (en) Evolving payment device
JP2018185849A (ja) プリペイド／ギフトカード・ネットワークを使用するｐｏｓシステム
US20130185125A1 (en) Systems and methods for managing overages in daily deals
KR20100049602A (ko) 복수-벤더 복수-로얄티 통화 프로그램
KR20140027400A (ko) 거래 보상 시스템
US20170132652A1 (en) Systems and Methods for Processing Loyalty Rewards
US20120278151A1 (en) Intelligent discount card system
CN106462838B (zh) 使用通信网络在多个单独计算系统当中协调处理的系统及方法
US20160189229A1 (en) Systems and Methods for Targeting Advertising to Prepaid Card Accounts
US20130282470A1 (en) System and method for providing real-time loyalty discounts and paperless receipts
US20160189230A1 (en) Systems and Methods for Targeting Advertising to Prepaid Card Accounts based on Historical Transaction Data
US20160019572A1 (en) Method and system for efficiently distributing coupons
US9842344B2 (en) System and method for shareholder investment
MX2014013859A (es) Metodo y sistema para aplicar reglas de cupon a una transaccion financiera.
US20160012469A1 (en) Product-class-based incentivized transaction
EP3047446A1 (fr) Procédés et systèmes d'offre de rachat aux clients

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 14844003

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

ENP Entry into the national phase

Ref document number: 2927614

Country of ref document: CA

REEP Request for entry into the european phase

Ref document number: 2014844003

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 2014844003

Country of ref document: EP