Abstract: An item may be purchased using a combination of rewards and monetary consideration, wherein a maximum allowable reward payment portion (or correspondingly a minimum monetary consideration amount) is established by the merchant, the reward issuer, or an online reward exchange operator. The user may select, using for example a user interface slider control, the desired number of rewards to redeem (up to the maximum allowable amount) and the corresponding monetary consideration portion is displayed. The transaction may then be executed wherein the selected rewards are redeemed and the balance is paid for with the corresponding monetary consideration.

Abstract: The present invention relates to consumer coupons, and more specifically to an electronic coupon card and system for managing coupon distribution and redemption. The instant invention provides a system and method of securely managing an electronic coupon database which implements and manages discounts for customers without requiring the customer to actively seek out, download and/or print the coupon. Additionally, the instant invention provides a system and method for managing electronic coupon discounts and payments to retailers for redeeming electronic coupons.

Abstract: A promotion management system identifies store-selected identifiers as necessary to implement a particular promotion across multiple store chains. An audit system compares number of promotion offers distributed to number of linking items sold.

Abstract: The present invention relates to translating loyalty requests between loyalty clients and loyalty hosts. For example, one embodiment of the present invention provides a method for translating point-of-sale loyalty requests by using a loyalty request to create a translated loyalty request that is compatible with a loyalty host and by using the loyalty response to create a translated loyalty response that is compatible with the loyalty client.

Abstract: A method of using a stored-value card to reserve an item includes providing a stored-value card to a customer prior to the release date of an item, adding value to the stored-value card prior to the release date of the item, and reserving the item with the stored-value card. Other method and product embodiments are disclosed.

Abstract: Disclosed is a system and mechanism that virtualizes a physical queue in a retail establishment. Customers using this system have the ability to indicate they would like to pay now (i.e., enter the virtual queue) using a button on their mobile device, and then they continue shopping until the mobile device informs them to proceed to a checkout counter. In addition, the system implements features that address users waiting in the queue. One feature is about transactions within the queue. This means that customers can buy priority using their mobile device, while waiting. Another feature is targeted advertisement and recommendation of products, leading to increased impulsive purchases.

Abstract: A sales bonus reward system and method includes a central controller, at least one cash register and a judgment unit. The central controller generates an accumulated award random value. The cash register generates a sales bonus after checkout of a consumption activity. The judgment unit accumulates the sales bonus to generate an accumulated sales bonus and offers the accumulated sales bonus as an incentive reward when it is greater than the accumulated award random value. Thus consumers are stimulated to spend more in order to get extra accumulated sales bonus in the consumption. As a result, business revenue can increase and profits can be boosted.

Abstract: A global customer satisfaction system includes point-of-sale customer feedback terminals for receiving in-store customer feedback including satisfaction ratings and other customer feedback regarding participating vendors as the customer pays for purchases. The system also includes post-sale customer feedback terminals for receiving more detailed customer feedback regarding the vendors from members after the sales have been completed. The system also includes an aggregation and dissemination system for combining the ratings received form customers into global customer satisfaction ratings for participating vendors, and disseminating the customer satisfaction information through customer satisfaction qualified directories, which are organized or searchable by geographical, type of product or service offered by the participating vendors, and other factors.

Abstract: A system and method that allows a group of organizations, e.g. a group of transit agencies, to provide their users with a stored value smart card payment method that rewards them for actual use. The system and method include a card interface device and a smart card for storing respective reward applications, wherein the card interface device reward application retrieves transaction and reward data from the smart card and processes the data within the card interface device in order to determine a transaction reward.

Abstract: In some embodiments, the present application relates to card-free programs provided by a merchant to a customer, whereby the customer has access to functions such as payment options and/or loyalty program benefits without needing to present a physical card at a point of sale. For example, a customer may make a card-free purchase of goods or services from a merchant, whereby the customer need not present a card such as a debit card, credit card, loyalty card, or other physical tender to make a purchase. Further, the customer need not provide biometric data or otherwise use an electronic device or identifier to make a purchase. Alternatively or additionally, the customer may access a loyalty program without needing to provide a physical card or data associated with a card.

Abstract: A method and a system for dispensing samples and a computer readable recording medium are disclosed herein, the system can establish a feedback mechanism and recommend one or more suitable samples for a user on the basis of identification information that is inputted by the user.

Abstract: Coupons and other promotions can be enabled using mobile computing devices with Near Field Communication (NFC) or other wireless communication capabilities. For example, a mobile device user can collect a coupon displayed during a cable TV show by tapping his NFC mobile device to a peripheral device in wireless communication with a cable TV receiver. Collected coupons can be stored in a coupon database at the mobile device. Coupons can be redeemed by tapping an NFC mobile device to an NFC point of sale terminal. Coupons can also be collected from advertisements in audio media and web pages, and can be collected at a mobile device from media displayed at the mobile device. Coupons can have time-based, location-based or other usage restrictions. Collecting information stored in NFC tags affixed to items in a scavenger hunt list can unlock downloadable content.

Abstract: Systems and methods for providing a loyalty and rewards system that implements a user incentive program using smart card technology are provided. A loyalty system allows a user to systematically search, identify, store, and redeem electronic coupons and rebates associated with products from a large number of providers and manufactures. The loyalty system also integrates the activities associated with the user incentive program (e.g., coupon collection, storage, and redemption, etc.), with existing payment methods (e.g., charging a credit card, etc.) using smart card technology. Thus, the loyalty system allows the user to obtain savings and otherwise participate in the user incentive program without adding time consuming and tedious processing that is normally associated with coupon and rebate programs.

Abstract: Improved techniques and systems to facilitate use of credit to acquire digital media assets from a network-based media server are disclosed. A user can acquire credit in a variety of different ways including, for example, through redeeming a credit invitation. Once a user has available credit by whatever means, the user can acquire one or more digital media assets from the network-based media server using his/her available credit. In one embodiment, the credit is provided as item credits, whereby each item credit can be used to acquire a selected digital media asset. However, not all of the digital media assets available from the network-based media server are permitted to be acquired using item credits. The country of origin of the user and/or the type of media asset can influence the digital media assets that can be acquired using item credits.

Abstract: A method for the simultaneous redemption and crediting of a product or service discount coupon, wherein a coupon's digital bar code is provided at the point of redemption, the digital bar code information bundled with purchase/redemption information generated at the point-of-sale, and the bundled information electronically transmitted to the coupon sponsor for instant validation and merchant compensation.

Abstract: Described are methods and systems for registering consumers with merchant loyalty or other merchant programs by using a credit card or other form of payment to register the consumer, and thereafter automatically recognizing the consumer as a member in the program based on subsequent purchases made using the form of payment. Consumer rewards can then be automatically applied during the purchase transactions with the merchant. Thus, the present disclosure allows for consumers to seamlessly and transparently gain the benefits of consumer programs merely by purchasing goods and services using forms of payment, without consumers needing to carry additional cards or coupons or login information.

Abstract: A social networking system distributes offers to its users using the social networking users' news feed or another communication channel in the social networking system. To distribute offers, the social networking system receives a post from an advertising user, which includes a coupon or other offer that can be redeemed at a merchant establishment. The post generates an offer story that includes the post with the offer, and an option for claiming the offer. The social networking system sends the offer story to a viewing user of the social networking system, and receives from the viewing user a selection of the option for claiming the offer. To further distribute the offer, the social networking system sends a news story about the viewing user claiming the offer in a feed of news stories to one or more other users of the social networking system who are connected to the viewing user.

Abstract: Merchants within close proximity to each other are “affiliated” with other by distance. A consumer making a first purchase at a first affiliated merchant is provided coupons or other incentives to make a second purchase with one or more other affiliated merchants. The consumer may pre-pay for the second purchase at the first affiliated merchant. A payment provider may debit an account of the first affiliated merchant the amount of the second purchase minus any amount due to the first affiliated merchant as a result of the second purchase. An account of the second affiliated merchant offering the incentive may be credited accordingly. The consumer and/or the affiliated merchant offering the incentive may be notified so that the consumer can simply go to the affiliated merchant to pick up the purchase, such as by showing proof of purchase or an identifier.

Abstract: Coupon information is provided electronically in association with receipts for transactions at physical stores and/or online stores. A retailer causes performance of a transaction in which one or more items are purchased. An interface configured to accept input indicating a customer identifier, such as an email address, associated with the transaction is provided. When input has been received via the interface, it is determined whether the identifier is associated with a known customer identity. If the customer identifier is associated with a known identity, digital coupons associated with that identity are applied against the transaction. An electronic receipt is further provided for the transaction via, for instance, the provided email address or a web-based application in which a session is established in connection with the identity.

Abstract: According to one embodiment, an article sales data processing apparatus includes a display unit which displays a registration screen, and a control unit which displays an editing screen for sales data of an article selected from among articles sold in one transaction on the display unit, the editing screen including an image of each of an undo button, a unit price change button, a number of items change button, and a discount button.

Abstract: A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction.

Abstract: A system for implementing a loyalty program on a network-wide level is disclosed. The system associates UPC and SKU data on a network level to reward consumers and/or to analyze the data for a variety of business purposes, such as market segmentation analyses and/or analyses relating to consumer spending behaviors or patterns for example. The association of UPC and SKU data by the system facilitates implementation of an incentive or loyalty program by providing a universal rewards currency. This universal rewards currency may be “spent” by participants who have earned rewards and accepted by the other participants in the multi-tiered network created by the system. The network may comprise any number of participants, including consumers, retailers (and any of their employees), manufacturers, third-party providers, and the like.

Abstract: A method for providing recommendations to a user based on user activity. A plurality of activity data tracking a plurality of activities of a user is obtained. The activity data may be obtained over a wide area network such as the internet or downloaded from a data card which stores activity data whenever the user participates in an activity. The activity data is either stored on the data card or transmitted over the network whenever the user uses a card when participating in any activity such as when making a purchase of goods, paying for services, watching television, etc. The activity data is processed to identify a plurality of user patterns. The user patterns are used to form a user profile and may include user habit data. Recommendations specific to the user based on the user patterns are then created for and provided to the user. The recommendations are provided to a user when the user logs onto a computer network such as the internet.

Abstract: A system and method, such as an interface, for real time redemption of currency of two or more reward programs. The interface allows a participant to redeem in real time currency of one program in which a participant has an account with currency of one or more other programs in which the participant also has an account. Thus, the participant can selectively use in real time the currencies from two or more programs for redemption via one of the programs.

Abstract: A community of members with a set of global goals and a set of individual member goals is established. The community of members provides a set of services. Further, an analysis is performed on one or more attributes of a first plurality of customers. In addition, a set of incentives is provided to at least one a second plurality of customers to interact with at least a subset of the community of members based upon the analysis to maximize the set of global goals and the set of individual member goals.

Abstract: A system for providing supplementary product sales is provided in which a central controller receives a purchase from a card authorization terminal. The purchase includes at least one purchase parameter, such as a customer account identifier, product identifiers for specifying items purchased or product price. The central controller determines a supplementary product to offer that is based on the at least one purchase parameter. A product identifier for specifying the supplementary product is transmitted to the card authorization terminal, where the customer chooses whether to accept the offered supplementary product. The card authorization terminal generates and transmits to the central controller a selection signal indicative of whether the supplementary product is accepted. If the selection signal indicates that the supplementary product is accepted, the central controller adjusts a balance of a financial account in dependence on an adjustment value associated with the supplementary product.

Abstract: A system for providing supplementary product sales is provided in which a central controller, which may be operated by a credit card issuer, receives a purchase from a card authorization terminal. The purchase includes at least one purchase parameter, such as a customer account identifier, product identifiers for specifying items purchased or product price. The central controller determines a supplementary product to offer that is based on the at least one purchase parameter. A product identifier for specifying the supplementary product is transmitted to the card authorization terminal, where the customer chooses whether to accept the offered supplementary product. The card authorization terminal generates and transmits to the central controller a selection signal indicative of whether the supplementary product is accepted.

Abstract: A point-of-sale (POS) and mobile device implemented method of providing customer rebates via machine-readable codes, such as Quick Response (QR) codes. Specifically, a customer completes a transaction at a POS. The POS or remote servers determine if the transaction qualifies for a promotional credit or rebate. If the transaction qualifies for the promotional credit, then the POS generates the QR code, wherein the QR code includes the credit. Further, the customer captures the QR code with a mobile device or scanner and transmits the code to the POS or remote servers for authentication. Upon successful authentication, the POS or remote servers transfer the credit to the customer.

Abstract: A system and method is presented for using smart cards to provide promotions to consumers. Data on the card is combined with an approved product list, such as that provided in WIC embodiments, to provide both promotional details and track usage by the user.

Abstract: Disclosed is a system and mechanism that virtualizes a physical queue in a retail establishment. Customers using this system have the ability to indicate they would like to pay now (i.e., enter the virtual queue) using a button on their mobile device, and then they continue shopping until the mobile device informs them to proceed to a checkout counter. In addition, the system implements features that address users waiting in the queue. One feature is about transactions within the queue. This means that customers can buy priority using their mobile device, while waiting. Another feature is targeted advertisement and recommendation of products, leading to increased impulsive purchases.

Abstract: A system for providing supplementary product sales is provided in which a central controller receives a purchase from a card authorization terminal. The purchase includes at least one purchase parameter, such as a customer account identifier, product identifiers for specifying items purchased or product price. The central controller determines a supplementary product to offer that is based on the at least one purchase parameter. A product identifier for specifying the supplementary product is transmitted to the card authorization terminal, where the customer chooses whether to accept the offered supplementary product. The card authorization terminal generates and transmits to the central controller a selection signal indicative of whether the supplementary product is accepted. If the selection signal indicates that the supplementary product is accepted, the central controller adjusts a balance of a financial account in dependence on an adjustment value associated with the supplementary product.

Abstract: A system for providing supplementary product sales is provided in which a central controller receives a purchase from a card authorization terminal. The purchase includes at least one purchase parameter, such as a customer account identifier, product identifiers for specifying items purchased or product price. The central controller determines a supplementary product to offer that is based on the at least one purchase parameter. A product identifier for specifying the supplementary product is transmitted to the card authorization terminal, where the customer chooses whether to accept the offered supplementary product. The card authorization terminal generates and transmits to the central controller a selection signal indicative of whether the supplementary product is accepted. If the selection signal indicates that the supplementary product is accepted, the central controller adjusts a balance of a financial account in dependence on an adjustment value associated with the supplementary product.

Abstract: The invention includes an improved system and method for creating, distributing and storing vouchers. The method includes a loyalty system obtaining a loyalty card account having a unique identifier and loyalty points associated therewith, accessing a loyalty database utilizing the unique identifier, converting at least a portion of the loyalty points to a first value associated with a first merchant, saving the first value in a first database associated with the loyalty card, converting at least a portion of the loyalty points to a second value associated with a second merchant, saving the second value along with other voucher information as an electronic voucher in a second database associated with the loyalty card, redeeming the first value at a first merchant and redeeming the electronic voucher at a second merchant.

Abstract: During a transaction involving a customer purchasing items at a terminal, one or more of coupon data, basket data, or a token are transferred between the terminal and a mobile device associated with the customer, via a proximity-based link. The proximity-based link may be established, without limitation, via NFC, RFID, or other short-range interfaces. For example, a customer may place an NFC component embedded in the customer's mobile device near an NFC component of the terminal. Various techniques are described for causing one or more coupons to be applied to the transaction based on the information transferred over the proximity-based link.

Abstract: Disclosed is a method for increasing the conversion rate, or the ratio of the number of actual buyers to the number of site visitors, of an computer-implemented system such as an Internet e-commerce website. Shopping cart abandonment may be reduced though the disclosed method wherein filler items are suggested to the consumer in order to qualify the consumer for a promotional bonus, such as free shipping. By simplifying the consumer's task of selecting filler items, the consumer may be more likely to consummate the sale instead of abandoning the shopping cart to find a better deal elsewhere. In the event no suitable filler items can be identified, alternative promotions may be presented to the consumer, for example, reduced rate shipping.

Abstract: The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

Abstract: The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

Abstract: The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

Abstract: A code reading apparatus comprises a photographing section configured to image an image, a commodity information reading section configured to read commodity information from a code symbol, an image detection section configured to detect an image suitable for the pattern image from the photographs photographed by the photographing section through pattern recognition by referring to a storage section in which the service information relevant to the service to be provided to a customer is stored in association with a pattern image for pattern recognition on a service display displaying the service, a service information reading section configured to read the service information corresponding to the pattern image suitable for the image detected by the image detection section from the storage section and an information output section configured to output the commodity information read by the commodity information reading section and the service information read by the service information reading section.

Abstract: In an embodiment, a system for validating, redeeming, and financially settling paper coupons coded with a GS1 barcode and 8110 Application Identifier comprises a real time network through which a Point-of-Sale (POS) terminal communicates directly to, or through a POS controller, with an Intelligent Clearing Network (ICN) server. One or both of the POS terminal and POS controller are installed with a ICN POS data bridge which stores computer code. The ICN server is configured to run a real time application while in communication with the POS terminal, wherein the POS terminal transmits paper coupon data elements read from the GS1 barcode and other consumer transaction information including universal product codes purchased, and transaction details to the ICN server via the network.

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a unique offer determination system. In one embodiment of the invention, offers are provided based on a projected path of a user triggered by a transaction at a point-of-transaction device. The system receives data associated with a transaction at a point-of-transaction device, determines the identity of the user conducting the transaction, predicts a projected path or future action of the user based on the transaction, and provides an offer to the user based on the projected path. In an embodiment, the system predicts the projected path based on pattern recognition analysis of the user's transaction history.

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a unique offer system, wherein the offer is generated based on proximity to a point-of-transaction device. In one embodiment of the invention, the computer-implemented method receives data associated with a financial transaction at a point-of-transaction device. The computer-implemented method then identifies the identity of the user conducting the transaction and the location of the transaction. Using the location of transaction, the computer-implemented method determines offers located in proximity to the user and provides those offers to the user. In some embodiments, the offers are customized for the user based on some characteristic of the transaction or the user. In further embodiments, the user is guided to a business associated with the offer by directions provided by the computer-implemented method.

Abstract: Methods and systems of electronic messaging for verification and/or authentication purposes using a point of sale terminal and a card transaction processing network involve, for example, receiving data consisting at least in part of a consumer's identifier that is processable through a transaction card processing network and a nominal monetary amount which is an indicator that the data relates at least in part to a coupon redemption for a consumer. Other aspects include, for example, using different nominal amounts to distinguish between multiple promotions and processing overcharges. Additional aspects involve, for example, receiving data consisting at least in part of an identifier for a registrant that is processable through a transaction card processing network and a nominal monetary amount which serves at least in part to identify a command message on behalf of the registrant.

Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

Abstract: A data processing system issuing electronic certificates through “online” networks. Each electronic certificate includes transaction data and identification data, and can be printed out on a printing device linked to a consumer's personal input device, or electronically stored in a designated data base until a specified expiration date. Consumers access the data processing system online, browse among their choices, and make their selections. Certificate issuers have online access to the data processing system and can create or revise offers, and provide various instructions pertaining to the certificates, including limitations as to the number of certificates to be issued in total and to each individual consumer.

Abstract: A computer system is located at a retail premises for executing a point of sale transaction comprising: a point of sale terminal having an interface for receiving product data from at least one product purchased by a customer, the product data including a first price for the product; a processor arranged to execute a computer program which receives from the point of sale terminal first price data including at least said first price and second price data pertaining to the product, the second price data being from a remote source, compares the first price data with the second price data and issues a voucher request based on the comparison of the first and second price data; and a voucher issuing unit arranged to receive the voucher request and to automatically provide a voucher to the customer responsive to the voucher request.

Abstract: Described herein are methods and systems for implementing personalized targeting via electronic coupons, providing aggregate cap control of electronic coupons, implementing viral marketing using electronic coupons, and performing real time processing of electronic coupons.

Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

Abstract: A system and method for providing mobile vouchers are provided. The mobile voucher system provides provable in-store redemption, city wide vouchers, cross selling of deals at time of redemption and partial redemption of vouchers and proximity based pricing.