Abstract: An automatic pricing method and apparatus for use in electronic commerce environments is described. Automatic pricing uses live price testing to estimate and measure demand for specific products—taking into account where appropriate, a vendor selected segmentation scheme. The results of live price testing are compared using a vendor selected goal function, e.g. profit maximization, to select a new price. A goal function that balances short term gains versus long term gains based on customer lifetime value is described. The live price testing approach used is designed to minimize losses due to price testing through statistical methods. Additionally, methods for distributing price testing across time so as to avoid problems caused by too many ongoing tests as well as side effects from testing are described.

Abstract: Utilization of information in a closed loop data system further augments modeling while at the same time enabling customization of offers based on spend patterns. Data mining techniques are leveraged to identify rules to determine higher response rate populations. These rules are referred to herein as “triggers,” in that the presence of particular attributes will trigger a cardholder as being more likely to respond to a particular offer. The benefit yielded by this approach is a greater acceptance rate to an offer provided by a transactional account company. To identify the triggers, records of cardmembers who already utilize a given product are analyzed to determine their spend patterns. The spend histories of customers who are eligible to use the product are analyzed according to the identified triggers. Customers whose spend patterns most closely correspond to the triggers are then targeted with offers for the given product.

Abstract: A commercial incentive engine and network is described that advantageously allows content and/or terms associated with a commercial incentive that has already been distributed to a consumer over a network to be dynamically augmented. The dynamic augmentation may occur responsive to one or more of revisions to the content and/or terms input by an advertiser, responsive to business information provided by an advertiser, or responsive to spatial, temporal, social and topical data associated with the consumer. An alternate implementation also advantageously allows the content and/or terms associated with a commercial incentive to be dynamically determined prior to distribution of the commercial incentive to a consumer over a network.

Abstract: A method is provided which provides functionality for doctors and staff to remotely electronically download a “virtual sample cabinet” software program from a central server onto their desktop computers or mobile technology devices to allow them to centrally search, review product information and insurance coverage, print or electronically send prescription drug sample vouchers and co-pay savings coupons to selected pharmacies. This eliminates the need for physician offices to manage and house physical drug samples, as well as offers a more convenient and efficient way to allocate, dispense and monitor needed drug samples and coupons for savings to their patients. Additionally, the method helps patients to enroll into further savings on refills for their on-going medications through automatically scheduled coupons that are emailed (or mailed) to the patients thereby promoting more affordable compliance to their prescribed therapies.

Abstract: A method comprises: presenting a plurality of offers to one or more offerees, the offers including at least one non-deterministic offer having non-deterministic consideration for the offeree; conducting business activity including the presenting and further including at least one actual business transaction executed in response to an acceptance by an offeree of one of the plurality of offers; receiving offeree decision data during the conducting of business activity; and generating valuation information based on the offeree decision data. Optionally the method further includes generating a new offer based on the generated valuation information and conducting additional business activity including presenting the new offer. Optionally the method is performed using n offeree folds wherein the generating of a new offer for an ith offeree fold is based on the generated valuation information for offeree folds other than the ith offeree fold.

Abstract: A system and method for assessing engagement activities and influence using consumer-specific promotions in a social network environment is provided.

Abstract: The present invention discloses a method for managing advertising related data over a distributed computer network, wherein the method includes receiving from an advertiser at least one data record defining a coupon and target data specifying demographics for targeting the coupon. The method further includes receiving from the consumers identifying data, demographic data and purchase preference data and providing to each consumer a coupon based on the demographic data, preference data and target data. The method further includes entering the consumers in a sweepstakes and receiving validation notices confirming that a plurality of coupons was utilized by a subset of the consumers at the advertiser via a purchase. The method further includes receiving from an advertiser a request to view aggregate data representing coupon provision and coupon validation and generating a data record including aggregate data representing coupon provision and coupon validation according to demographic data.

Abstract: A computer-readable electronic services management system for a mobile communications network, comprising a distributed network of agents in the form of collaborative autonomous software agents wherein the agents are configured to represent and act on behalf of a user and to communicate with each other to manage, for the user, one or more electronic services (e.g. electronic messages, a purchase etc.) via the user's communications devices. Multiple types of agents include a primary personal agent, a primary creation agent for creating other agents and subordinate agents, and a primary destruction agent for destroying agents meeting pre-determined criteria based on a threshold value in relation to an agent value coefficient. Collaboration between agents is by a private user whiteboard facility whereby collaborating agents post to the whiteboard addressed electronic services, including service tasks to be performed for the user, and extract from the whiteboard electronic services addressed to them.

Abstract: Systems and methods are described that facilitate incentivizing vendors to give greater discounts on items or services offered or advertised to specific customers on a third-party website in exchange for reduced advertisement pricing. For instance, a vendor enters offer parameters (e.g., item or service for sale, price or discount amount, terms of the offer, a permitted number of acceptances of the offer such as 100, 1000, 5000, etc.) into a user interface (UI) along with target customer criteria (e.g., age, gender, minimum income, etc.). The target criteria is matched to customer profile data associated with or stored at the website (e.g., or a server associated therewith), and an advertisement generated using the offer parameter information is presented to customers whose profiles match the target criteria. In return for offering larger discounts, a cost per event (CPE) associated with the advertisement is reduced for the vendor.

Abstract: The online coupon distribution system and method distributes discount coupons through a website. The website is designed and constructed to include a “trifold” process that blends discount coupon purchasing with cost effective advertising and charitable contributions into a powerful web presence. The process is called cooperative couponing. The system sells coupons and allocates generated revenue among merchants, a website principal, and a designated charity. The website identifies local merchants in a geographic area. Coupons are electronically distributed on a daily basis. The website features target goal coupons, two subsidiary coupons providing discounts, and five additional weekly merchant coupons strategically placed on the website. The website permits website users to designate a charitable contribution to a charity of their choice based on their coupon purchase.

Abstract: A source offer and offer parameters regarding the source offer are received. Specifications for one or more of a number of conversion parameters are also received. The source offer is converted to a target offer, based on the offer parameters and the conversion parameters specified. Where the source offer is an incremental offer, the target offer is a cumulative offer. Where the source offer is a cumulative offer, the target offer is an incremental offer. In an incremental offer, when a volume reaches a volume threshold, a price decreases by a corresponding price discount for the volume above the volume threshold, but the price does not decrease for the volume below the volume threshold. In a cumulative offer, when the volume reaches at the volume threshold, the price decreases by the corresponding price discount for the volume both below and above the volume threshold.

Abstract: Methods, systems, devices and/or apparatus related to generating, transmitting and/or tracking coupons. Specifically, the disclosed methods, systems, devices and/or apparatus relate to generating, transmitting and/or tracking a plurality of coupons among a plurality of consumers using social media channels and other electronic distribution channels. Some exemplary embodiments may include authenticating consumers and/or coupons.

Abstract: A product discount system, apparatus, and method are herein disclosed. A discount server may receive one or more product discounts from a use. A wireless device may retrieve product identification information from a product and generate a discount request message that is transmitted to a discount server. The discount server may identify potential discounts associated with the product identification information and transmit product availability data to the wireless device. The wireless device may notify a user of available product discounts based on the product availability data. Once notified, the user may proceed by redeeming one or more of the available product discounts.

Abstract: According to some embodiments, a proximity-sensitivity score is determined for each of a plurality of merchants. The proximity-sensitivity scores may indicate, for example, a likelihood that potential offers from the merchants would be accepted by customers based on distances between customer locations and merchant locations. An indication of a customer's current location may be received, and a selection engine may automatically select for a customer, in substantially real time, at least one selected offer from a plurality of potential offers based at least in part on proximity-sensitivity scores and the customer's current location. Data associated with the selected offer may then be transmitted, via a wireless communication network, to a mobile device associated with the customer.

Abstract: Methods and electronic device system for effective disposing attentions among large number of attention seekers. A server system that registers attention seekers' requests, votes and/or monetary bids, ranks the requests according the statistics of the received votes or bids and personal interest of the attention giver. The requests of the higher ranks are selected for attention of the attention giver.

Abstract: Data may be exported from a media campaign to an external processing device using a specifically designated communication channel within the media campaign application. When the media campaign application is executed, the campaign is directed to contacting various business partners using one or more communication means. With this media campaign application, a channel selection command may be received, where the channel selection command indicates the selection of an export channel selection. When the channel selection is the export channel selection, the application provides for the compilation of the business data and writing the data to an export file. The business data is compiled into an open format that is readily usable by an external application. After the file is generated, the export file is thereupon transmitted to a storage device.

Abstract: The present invention discloses a method, program product and system for controlling pricing of a product or service using a markdown profile. The method includes: selecting a markdown profile to be used for the product or service, selecting a retail price for the product or service, acquiring updated sales data regarding the product or service, determining a markdown to be applied to the price from the markdown profile using updated sales data, and reconciling a markdown budget with the determined markdown to be applied to said price to determine whether the markdown will be applied. The method can further include the step of adjusting a retail price of the product or service by the markdown.

Abstract: Social network reward techniques are described. In an implementation, a method implemented by at least one computing device includes obtaining data that describes users' interaction with a social network service and determining influence of one or more said users on other said users via the social network service from the obtained data. A reward is computed based on the determined influence for at least one said user.

Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.

Abstract: A system and method for transmitting, accessing, and/or managing promotions transmitted to mobile electronic devices. The system and method can analyze data affiliated with a user, a mobile electronic device, the changing of the mobile electronic device's alert, and the usage of the changed mobile electronic device's alert. Analyzing data such as, for example, affiliated with the changing of the mobile electronic device's alert and/or the usage of the changed mobile electronic device's alert the system and method can determine which promotions are transmitted to and/or received by the mobile electronic device.

Abstract: A system, computer program product, and method for activation-based marketing are presented. In one embodiment, the system includes one or more data storage devices configured to store demographic data, healthcare utilization data, and response data associated with a target individual. The system may include a server coupled to the one or more data storage devices. The server may be suitably programmed to determine a life stage associated with a target individual, determine an attitudinal segment associated with the target individual, and determine a response model associated with the target individual. The server may assign the target individual to at least one of a predetermined set of segmentation groups in response to the life stage, the attitudinal segment, and the response model associated with the individual. The system may generate a personalized communication modality tailored to the target individual in response to the segmentation group assigned to the target individual.

Abstract: Disclosed are methods for extracting and using information about an entity that has a presence in a number of information domains. The entity has separate identifiers in each of several domains. Various techniques are described that bind together the identifiers of the entity across the domains. The results of the binding are provided to an interested party that can review information extracted about the entity's behavior in the multiple domains. The interested party is not given access to information that would compromise the confidentiality of the entity. A trusted broker has access to information about the behavior of the entity in the several domains. The broker analyzes that information and provides the analysis to the interested party, again without compromising the confidentiality of the entity. An “incentivizer” works with the broker to extract from the domains information that would be useful in binding together the different identifiers of the entity.

Abstract: Systems, methods and articles of manufacture are disclosed for awarding an incentive to a customer. An incentive program may be tailored to suit the needs of a merchant. The incentive program may be provided to a customer to reward specific customer behavior, such as regularly visiting a brick-and-mortar store to purchase store credit and/or to spend store credit and/or rewards, thereby providing the opportunity for increased sales for the merchant.

Abstract: A method for integrating television brand advertising with promotional marketing includes providing an image to be displayed in different television commercials for products from different advertisers, the image indicating a website; and providing at the website coupon offers for the products from the different advertisers. The image will alert a viewer of the television commercial that a special coupon offer is available at a website. The viewer will go to the website and be able to select from one or more coupon offers available to consumers in their market area. The consumer then prints the coupons, or adds credit to a coupon card, which is then redeemed at the retailer. The system allows for Point Of Sale (POS) redemption, or more traditional redemption through a coupon clearinghouse.

Abstract: Various systems, methods, and other embodiments are described relating to the selection of digital coupons for display in network pages. In one embodiment, a plurality of coupon campaigns are maintained in a computing device for a plurality of entities in association with an operation of an electronic commerce system employed to sell a plurality of items over a network. Each of the coupon campaigns comprises at least one digital coupon to be applied to a purchase of at least one of the items. A network page is generated in the electronic commerce system to be rendered on a client. The network page is generated in association with the operation of the electronic commerce system. A subset of the digital coupons is determined to be included in the network page to present to a user.

Abstract: Methods and systems for displaying coupons within a network-based system are disclosed. For example, a system can include a database, a monitoring module, a coupon rules engine, and a coupon widget. The database to store account information associated with a user, the account information identifying one or more unique coupons redeemable exclusively by the user. The monitoring module to monitor interactions by the user with the network-based system. The coupon rules engine to select a selected coupon, of the one or more unique coupons redeemable exclusively by the user, that is eligible to be presented to the user based on the monitored interactions by the user with the network-based system. The coupon widget to present the selected coupon to the user.

Abstract: Various embodiments, including systems and methods, are described for providing digital coupons to third party network sites. In one representative embodiment, a computing device is provided, where a plurality of digital coupons are maintained in a memory associated with the computing device. Each digital coupon is directed to the purchase of at least one item through an electronic commerce system. A coupon service is implemented in the computing device that is configured to identify at least one of the digital coupons to present on a third party network site in response to a request for at least one of the digital coupons received from the third party network site based at least in part upon information contained in the request. The identified digital coupons are then sent to the third party network site.

Abstract: Distributing and tracking electronic coupons based on proximity. Upon detecting recipients proximate to a computing device, one or more electronic coupons are selected and transmitted to the detected recipients. The transmittal occurs via a wireless connection in some embodiments. Coupon properties associated with the transmitted coupons are adjusted (e.g., values decreased, expiration conditions modified, location of transmittal, etc.). Distribution data for the transmitted coupons is stored to maintain a distribution history.

Abstract: A system and methods for the creation and/or distribution of promotional materials, such as coupons, to consumers is provided. A promotional material item is created electronically and a copy of the item is distributed to mobile devices, or other electronic devices, of consumers. Each copy of the promotional material item includes a unique identifier for redemption and tracking purposes.

Abstract: A method for delivering an electronic coupon to a mobile device includes receiving via a wireless network a target image or icons extracted from the target image, comparing the target image to a plurality of learned images using a processor in communication with the wireless network, determining whether the target image matches at least one learned image, and when the target image matches at least one learned image, delivering to the mobile device over the wireless network an electronic coupon associated with the at least one learned image. The target image can represent at least a portion of a front surface of a consumer packaged good located in a retail outlet. The target image can be generated using a mobile device configured to communicate with the wireless network.

Abstract: Systems and methods for processing of electronic coupons are disclosed. A plurality of touch screen devices are deployed in aisles of a store. The touch screen devices display coupons for products located in the corresponding aisles after administration devices detect the presence of a registered user in an aisle. The touch screen device accepts selection of coupons and the selections are uploaded to a main server. A point-of-sale administration device detects the presence of a registered user and downloads the pre-selected coupons from main servicer for redemption.

Abstract: A system and method classifies individuals based on product or service preferences of tastes. With input from the system on user preferences, offers are created by product or service promoters specific to a segment of users with similar preferences. The offers, items and users are linked using alphanumeric or digital codes. The offers and the linked codes are used to obtain discounts, rewards and incentives, or warranty registration when products or services are purchased. The offers, linked codes and purchases are stored such that they are accessible by a user.

Abstract: A system for random partitioning and parallel processing of a very large data set includes a random partitioning component, and an optimization component which optimizes the mix of data in the random partitioning component, and an aggregation component which aggregates the optimization for each of the random partitions into a solution for the entire data set. The solution is substantially optimized for given rules and other constraints. The random partitioning produces a substantially optimized solution in a lesser time. The size of the random partitions can be selected so as to produce an optimal solution in a selected amount of time.

Abstract: Apparatus and methods for redemption of customer benefit offers based on goods identification are provided. A system for redeeming a customer benefit offer that is represented in an account maintained on an offer platform according to the invention may include an electromagnetic receiver module configured to receive transaction information from a point of sale terminal, the transaction information being based on a transaction and including an identifier of a purchasing instrument used to execute the transaction and an identifier of an item that is part of the transaction and a quantity corresponding to the number of items having the same identifier in the transaction. The system may also include a processing module configured to: identify in an offer platform a customer benefit offer corresponding to the purchasing instrument, the item identifier and the quantity; and further configured to mark a record in the account as “redeemed,” the record corresponding to the customer benefit offer.

Abstract: A Point Of Sale (POS) reconciles generates revenue estimation data based on the reconciliation of POS sales transactions associated with a sales incentive (e.g., a store or manufacturer coupon). When a coupon is used in conjunction with a sales transaction at a POS, the coupon can be verified and factored in the sales transaction. The sales incentive data can be synchronized, along with other sales information in a POS connected server, where the data can be reconciled and analyzed for future reporting to a remote user requesting the revenue data. The POS connected server, or the POS terminal itself, can generate revenue estimations, return on investment calculations, and related reports.

Abstract: A method and system for determining which of a plurality of users may be sent an e-coupon. More particularly, a computing device may determine which of a plurality of users are watching a particular program or advertisement on television and may determine a corresponding e-coupon to be sent to the users watching the particular program.

Abstract: An offer management system may provide an open platform capable of aggregating offers from multiple offer providers. All offers may be uploaded to the offer management system and presented to consumers via a single portal so they can easily browse, select and review all available digital offers at one time, in one place. Upon visiting a hosted website, the offer management system may interact with the consumer by displaying references to digital offers on the home page or in the navigation bar. The offer management system can display personalized content that may feature any available offers targeted specifically to the consumer based upon personal information contained in a profile for the consumer that is associated with the consumer's online account, such as a loyalty card account. Moreover, the offer management system may receive requests from the consumer to print selected offers or download selected offers to the consumer's account.

Abstract: A system and method for verified monetization. A definition of a commercial campaign is received wherein the definition comprises an identification of an advertiser and an advertisement, at least one trigger condition, at least one monetization condition, at least one verification policy, and at least one monetization action, wherein trigger conditions relate to the occurrence of trigger events, the monetization conditions relate to location data relating to at least one person, verification policies relates to the reliability of the location data, and the monetization actions relates to payments to payees. When an indication of an association between a user and the advertisement is received, the user is associated with the commercial campaign. When the occurrence of trigger events is detected, if the campaigns monetization conditions and verification policies have been satisfied, payees are paid according to the campaign's monetization actions.

Abstract: The optimization system monitors a mobile phone user's behavior in response to an offer for a reward and determines a good level for a product promotion. The determination may be made based upon the user's current response, past response patterns to various reward levels or a correlation between a user's behavior and the behavior corresponding to a class of users. The system can determine an offer level that maximizes the return on the profit or revenue from a potential purchase for which the offer applies.

Abstract: A system, computer program product and method including delivering an initial promotion to a customer, determining a status of the initial promotion delivered, selecting a related promotion based on the status of the initial promotion determined, and delivering the related promotion to the customer. The related promotion is selected based on the status of the initial promotion determined by selecting a predetermined related promotion associated with the status of the initial promotion determined. Moreover, the initial and related promotions may be delivered through an electronic or hard delivery medium, and the status of the initial promotion delivered may be determined by determining a status of the initial promotion based on electronic feedback from the customer or based on predetermined status criteria assigned to the initial promotion.

Abstract: A performance analysis system analyzes the performance of affiliate sites that provide links to specific items in an electronic catalog, and identifies catalog items that can be listed by such affiliate web sites to improve performance. An association mining component analyzes transaction data attributable to specific categories or types of affiliate web sites to identify items that are frequently purchased in combination by users of such sites. The detected item associations are used to evaluate, for a given affiliate site, whether significant disparities exist between the expected and actual sales quantities of specific items. The results of the analysis are incorporated into affiliate-specific performance reports, which may include specific recommendations for improving performance. The disclosed methods may also be used to analyze the performance of, and provide recommendations to, online sellers within an online mall, online marketplace, or online auction system.

Abstract: Systems and methods for providing real-time dynamic pricing information for a product based on receipt of a price queries from consumers at point-of-sale. The system receives price queries for a product provided by a consumer at point-of-sale by way of use of a mobile communicating device such as cellphone. The system maintains a database of received price queries. A preset price query threshold value associated with the product is retrieved in response to a received query. A price query count is extracted for the product, the price query count being the number of price queries generated in a predefined sample period. A product price is calculated in real time based on a comparison between the price query count and the threshold values. The consumer may be provided with discounts or coupons based on marketing campaign parameters derived from the price query.

Abstract: Methods and apparatuses for manufacturer to present Web-based edu-games so as to train retail staff member about the manufacturer and its products and to access edu-game data and retail sales data from a database. A Website can be created to provide a point of interaction between the manufacturer, retailer, and retail staff member. By accessing this Website, the retail staff member is presented with the web-based edu-games and learns about the manufacturer and its products. The retail staff member can be presented with incentives by the manufacturer for completing the web-based training off time, which may prevent the retailer from paying for the costs of training the retail staff member. Alternately, retailers can also do training in-house (e.g., if required by statute). Manufacturers and retailers compare education levels to sales data to determine the effects of the training.

Abstract: A personalized coupon system is disclosed. A localized offer list may be provided to a consumer including a plurality of offers from merchants in a location near the location of the consumer. The offers included in the offer list may be selected by the system based on progressive and regressive rules. When offers are redeemed, the system receives notification of offer redemption. The offer list and personalized electronic communications to the consumer may include offers based on prior activities of the consumer which are tracked by the system. The offer list and personalized electronic communications may include offers based on the activities of other consumers having similar geography and/or demographic information to the consumer. The activities may include viewing, selecting, obtaining, printing and redeeming offers from merchants. Behavior tracking information, maps and graphics may be provided to merchants so that they may understand the success of offers.

Abstract: A conditional purchase offer (CPO) management system, including bounce back capability, provides for receiving CPOs from one or more customers, such as airline passengers, and for evaluating the received CPOs against a number of CPO rules defined by a plurality of sellers, such as airlines, to determine whether a principal (any seller, agent or operator of the CPO management system) is willing to accept a given CPO. A customer whose CPO has been accepted may receive a bounce back offer from a vendor (supplier-partner) of other services or products—e.g., an automobile rental. The bounce back process determines whether a supplier-partner can participate in a bounce back transaction. For example, in the case of an airline passenger in need of an automobile rental, the bounce back process determines whether an automobile rental company is located in the flight destination area and has excess capacity.

Abstract: A method of advertising a product, comprising assigning a respective telephone number to a plurality of advertising media elements is disclosed. Telephone numbers are assigned and calls are forwarded to be answered by a sales person or persons. The assignment of the telephone numbers to the sales person or persons is communicated to a computer based telephone services provider. The associated telephone number assignments are imprinted, audibly communicated or otherwise included in their respective advertising media elements. Response information such as the number of calls received by the telephone numbers in response to the advertising is recorded.

Abstract: A method for buyer-driven targeting comprising the steps of: separately receiving from each of a plurality of buyer entities a respective third party proof of purchase record; entering information contained in the received proof of purchase records into a searchable electronic database; obtaining search criteria for the database; searching the information in the database based on the search criteria to obtain a group of buyer entities; and providing an incentive to each of a plurality of the buyer entities in the group.

Abstract: An image processing system for enabling a manufacturer's image forming apparatuses to be used as far as possible by a user. Design is made to enable a manufacturer or a vendor to appeal the predominance, particularly economy, of their own image forming apparatuses by the utilization of a user interface for controlling a recording process.

Abstract: An offer management system is provided that evaluates conditions in relation to a gift card and triggers an action. In another example, the offer management system may be capable of evaluating attributes of a transaction using a gift card and may be capable of triggering an action. A trigger may be defined using one or more rules. For example, an administrator for a retailer may configure an offer rule in an interface of the offer management system. These rules may be evaluated in real-time, and offers made responsive to those evaluations. For example, offers may be made to a gift card recipient such as a discount on the total purchase, a dynamic addition of value to a gift card, issuance of a new gift card, or other offer. These offers may be used by a retailer to foster certain behaviors relating to gift cards.

Abstract: A system and method for issuance, redemption, and reimbursement of digital incentives. A central database connected to the internet: enables customers to register unique customer registration information; is able to store this information and assign unique identifiers to it; and is accessible to incentives providers to make available digital incentives. Existing point-of-sale terminals: are authenticated to have access to the central database; have payment devices; are connected to the internet; and are provided with a message broker that facilitates communication with the central database. The customer redeems digital incentives at one of the existing point-of-sale terminals at the time of purchase by first presenting their unique identifier. The message broker routes the unique identifier to the central database which authenticates and validates the existing point-of-sale terminal, the customer's unique identifier, and the payment device.