U.S. patent application number 12/609384 was filed with the patent office on 2010-04-08 for loyalty points system and method with supplemental authorizations.
This patent application is currently assigned to American Express Travel Related Services Company, Inc.. Invention is credited to Perry A. Cohagan, Birgitta Mayer, Julia Menichilli, Theodore S. Voltmer, Penelope Wood-Kulko.
Application Number | 20100088174 12/609384 |
Document ID | / |
Family ID | 34976223 |
Filed Date | 2010-04-08 |
United States Patent
Application |
20100088174 |
Kind Code |
A1 |
Cohagan; Perry A. ; et
al. |
April 8, 2010 |
LOYALTY POINTS SYSTEM AND METHOD WITH SUPPLEMENTAL
AUTHORIZATIONS
Abstract
The invention facilitates pooling, gifting or transferring of
geographic area loyalty points between accounts. The invention also
facilitates a transfer of geographic area loyalty points from a
consumer account associated with a sponsoring company to a consumer
account associated with a host company. The invention may also
facilitate gifting of loyalty points to charitable organizations on
a recurring basis, wherein the gifting may transfer any portion of
geographic based points to various charities. The system may also
convert the geographic area loyalty points to a monetary value,
thereby allowing the points to be donated to a charity such that
the donation appears to be a monetary value donation to the
charity.
Inventors: |
Cohagan; Perry A.; (Brooklyn
Heights, NY) ; Mayer; Birgitta; (New York, NY)
; Menichilli; Julia; (Manhasset, NY) ; Voltmer;
Theodore S.; (Caldwell, NJ) ; Wood-Kulko;
Penelope; (Brooklyn, NY) |
Correspondence
Address: |
Snell & Wilmer L.L.P. (AMEX)
ONE ARIZONA CENTER, 400 E. VAN BUREN STREET
PHOENIX
AZ
85004-2202
US
|
Assignee: |
American Express Travel Related
Services Company, Inc.
New York
NY
|
Family ID: |
34976223 |
Appl. No.: |
12/609384 |
Filed: |
October 30, 2009 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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10708568 |
Mar 11, 2004 |
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12609384 |
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|
10378456 |
Mar 3, 2003 |
7467096 |
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10708568 |
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|
10304251 |
Nov 26, 2002 |
7613629 |
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10378456 |
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|
10027984 |
Dec 21, 2001 |
7613628 |
|
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10304251 |
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09836213 |
Apr 17, 2001 |
7398225 |
|
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10027984 |
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60482644 |
Jun 26, 2003 |
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60279817 |
Mar 29, 2001 |
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Current U.S.
Class: |
705/14.33 |
Current CPC
Class: |
G06Q 30/0232 20130101;
G06Q 30/0234 20130101; G06Q 30/0226 20130101; G06Q 30/0229
20130101; G06Q 30/0208 20130101; G06Q 30/0231 20130101; G06Q 30/02
20130101; G06Q 30/0261 20130101; G06Q 30/0235 20130101; G06Q
30/0233 20130101 |
Class at
Publication: |
705/14.33 |
International
Class: |
G06Q 30/00 20060101
G06Q030/00 |
Claims
1-21. (canceled)
22. A method for facilitating operation of a loyalty points program
having at least one primary member, the primary member having an
account, the method comprising the steps of: receiving information
related to a primary member profile for the account at a server;
creating a primary member profile associated with the account in a
computer system in communication with the server; creating a
supplementary member profile associated with the account in the
computer system, wherein the supplementary member profile comprises
a supplementary member authorization, and wherein the supplementary
member authorization specifies an authorization access that
indicates that a supplementary member may redeem at least a portion
of loyalty points associated with the account; receiving a
transaction request at the server; processing the transaction
request using the computer system; and fulfilling the transaction
request.
23. The method according to claim 22, wherein the authorization
access comprises allowing the supplementary member to redeem all of
the loyalty points associated with the account.
24. The method according to claim 22, wherein the authorization
access comprises allowing the supplementary member to only redeem
loyalty points associated with the account that the primary member
has authorized for redemption.
25. The method according to claim 22, further comprising a step
allowing the supplementary member earn loyalty points, wherein the
loyalty points earned by the supplementary member are associated
with the account.
26. The method according to claim 25, wherein the authorization
access comprises allowing the supplementary member to redeem all of
the loyalty points associated with the account that are earned by
the supplementary member.
27. The method according to claim 22, wherein the authorization
access comprises allowing the supplementary member to redeem all
loyalty points associated with the account that are earned in a
specific geographic area.
28. The method according to claim 22, wherein the primary member
profile includes a primary member ID associated with a card, and
wherein the supplementary member profile includes a supplementary
member ID associated with a card.
29. The method according to claim 22, wherein a plurality of
supplementary member profiles are created.
30. The method according to claim 22, further comprising a step of
reporting activity related to the account to the primary member but
not the supplementary member.
31. A method for facilitating operation of a loyalty points program
having at least one primary member, the primary member having an
account, the method comprising the steps of: receiving information
related to a primary member profile for the account at a server;
creating a primary member profile associated with the account in a
computer system in communication with the server; creating a
supplementary member profile associated with the account in the
computer system, wherein the supplementary member profile comprises
a supplementary member authorization, and wherein the supplementary
member authorization specifies an authorization access that
indicates that a supplementary member may earn loyalty points that
are associated with the account; receiving a transaction request at
the server; processing the transaction request using the computer
system; and fulfilling the transaction request.
Description
CROSS REFERENCE TO RELATED APPLICATIONS
[0001] This application claims priority to, and is a
continuation-in-part of, U.S. Ser. No. 10/378,456, filed Mar. 3,
2003 and entitled "System and Method for Real-Time Transfer of
Loyalty Points Between Accounts." The '456 application claims
priority to, and is a continuation-in-part of, U.S. Ser. No.
10/027,984, filed Dec. 21, 2001 and entitled "System And Method For
Networked Loyalty Program." This application also claims priority
to, and is a continuation-in-part of, U.S. Ser. No. 10/304,251
filed on Nov. 26, 2002 and entitled "SYSTEM AND METHOD FOR TRANSFER
OF LOYALTY POINTS." The '984 application and the '251 application
claim priority to, and are continuations-in-part of, U.S. Ser. No.
09/836,213, filed Apr. 17, 2001 and entitled "System and Method for
Networked Loyalty Program", which itself claims priority to, and
the benefit of, U.S. Provisional Application Ser. No. 60/279,817,
filed Mar. 29, 2001 and entitled "System and Method for Networked
Incentive Awards Program". This application also claims benefit
from, and priority to, U.S. Provisional Patent Application Ser. No.
60/482,644, filed Jun. 26, 2003, which is all hereby incorporated
by reference. This application hereby incorporates by reference all
of these prior applications in their entireties.
FIELD OF INVENTION
[0002] The present invention generally relates to loyalty systems,
and more particularly, to a system and method for transferring,
pooling and gifting geographic area loyalty points.
BACKGROUND OF INVENTION
[0003] Loyalty programs have been relatively successful; however,
numerous loyalty programs exist, so businesses have a difficult
time differentiating their loyalty programs from other loyalty
programs on the market. Moreover, many consumers often travel for
work related reasons, so they may not desire to use their loyalty
points to travel to distant cities or distant countries. Rather,
many consumers enjoy the benefits of their "hometown" region,
including local restaurants, local theaters, local sporting
activities and other events. At the same time, marketers have begun
to understand that many consumers develop a strong pride, emotional
affinity and loyalty to the geographic region where they live. As
such, a long-felt need exists for a loyalty program which rewards
consumers for purchases in certain local geographic areas and which
enables consumers to utilize their loyalty points in a similar
local geographic area.
[0004] Loyalty point systems also typically include individual
consumer loyalty point accounts which record the balance of loyalty
points earned by the individual consumer, wherein the loyalty
points may be earned within a particular geographic area. The
consumer may be part of a family or organization and the consumer
may desire to share or transfer the consumer's loyalty points in a
geographic area to other members of the consumer's family or
organization. Moreover, a consumer may immediately need additional
loyalty points in a geographic area in his or her own loyalty
account in order to have a sufficient number of loyalty points for
a certain award. The consumer may also know of a friend or relative
who has excess loyalty points in a geographic area that they would
gladly transfer to the consumer in need of additional loyalty
points. However, because many loyalty point accounts are associated
with a single consumer, existing loyalty systems do not allow a
consumer to efficiently transfer loyalty points to another consumer
loyalty point account. Moreover, while some loyalty accounts may
allow the consumer to use the loyalty points in a geographic area
to purchase gifts for others, the loyalty points are not
sufficiently transferable to another consumer such that the other
consumer can purchase the same gift or aggregate points for a
different gift.
[0005] Moreover, to promote loyalty to a particular company, many
of the above-described loyalty programs are sponsored by and
operated by a company such that the consumers are typically
required to earn and burn the loyalty points through the same
company. As such, a particular sponsoring company may market its
own loyalty points under a particular trademark (e.g., Membership
Rewards sponsored by American Express, DeltaMiles sponsored by
Delta Airlines, Hilton Rewards sponsored by Hilton Hotels, ePloids
sponsored by Frito-Lay and FlightFund sponsored by America West
Airlines) and maintain loyalty point accounts for each consumer,
wherein the accounts include only loyalty points associated with
the sponsoring company. Accordingly, the consumers in the
sponsoring company loyalty program typically earn loyalty points
from the sponsoring company, then the consumers spend the sponsored
loyalty points on reward items offered by the sponsoring
company.
[0006] However, it is often difficult for an individual sponsoring
company to offer a sufficiently wide range of reward items in
certain geographic areas to satisfy the varied interests of its
consumers. Moreover, many of the consumers may only engage in a
limited amount of business in a certain geographic area with the
particular sponsoring company and/or may only earn a limited amount
of sponsored loyalty points from the sponsoring company within the
geographic area. As such, a consumer's loyalty point account with
the sponsoring company may include a minimal amount of loyalty
points in a geographic area and the minimal point balance may be
insufficient to obtain any desired reward item in the geographic
area. Additionally, even if a consumer obtains a sufficient point
balance in a geographic area with a particular sponsoring company,
the consumer may not be interested in redeeming the points for any
of the limited reward items in the geographic area offered by the
company, the consumer may forget or ignore the existence of the
point balance and/or the consumer may not desire to spend the time
reviewing the reward items or completing the redemption
information. In these exemplary situations, the loyalty point
account may only be rarely used or may remain inactive.
[0007] The sponsoring company often maintains hundreds or thousands
of loyalty point accounts for current and past consumers; however,
possible public relations, marketing and legal implications exist
with a sponsoring company simply canceling certain loyalty point
accounts or setting expiration dates on points. As such, the
sponsoring company usually continues to maintain the rarely used or
inactive loyalty point accounts. However, accounting and legal
guidelines typically require a sponsoring company to include all of
the loyalty point balances, including balances from the rarely used
loyalty point accounts, as liabilities on its accounting
statements. As such, a need exists for a system and method for
reducing or eliminating certain loyalty account balances and
providing certain consumers with new ways to aggregate and redeem
geographic-based loyalty point balances.
SUMMARY OF INVENTION
[0008] The invention includes facilitating the substantially
real-time pooling, gifting or transferring of geographic area
loyalty points between accounts. The invention also facilitates a
transfer of geographic area loyalty points from at least one
consumer account associated with a sponsoring company to at least
one consumer account associated with a host company. The invention
may also facilitate gifting of loyalty points to charitable
organizations on a recurring basis, wherein the gifting may
transfer any portion of geographic based points to various
charities. The charities may or may not be located in the same
geographic area as where the loyalty points where earned. The
system may also convert the geographic area loyalty points to a
monetary value, thereby allowing the points to be donated to a
charity such that the donation appears to be a monetary value
donation to the charity.
[0009] More particularly, the invention includes a method for
facilitating a transfer of loyalty points between at least two
loyalty accounts, wherein the loyalty points are associated with a
geographic area, by maintaining a database for storing geographic
area loyalty points in at least one loyalty account corresponding
to at least one consumer; receiving a transfer request to transfer
a number of geographic area loyalty points from a first loyalty
account to at least a second loyalty account; determining a
geographic area related to the geographic area loyalty points
requested for transfer; acquiring data related to a geographic area
loyalty point balance of a first loyalty account; deducting a
portion of the geographic area loyalty point balance of said first
loyalty account; and, crediting a geographic area loyalty point
balance of said second loyalty account. The transfer request may
include, for example, receiving a request from a consumer
associated with the first loyalty account, receiving a request from
a consumer associated with the second loyalty account, receiving a
request from a third party, receiving a request based upon a
triggering event or receiving a request to return points to the
first loyalty account. A triggering event may include, for example,
a request, the first loyalty account having a geographic area
loyalty point balance which is below a certain threshold amount,
the first loyalty account remaining inactive for a certain time
period, a predetermined time period, a certain date, a random date,
a requested time, a certain formula, an event, a non-event, or a
predetermined data point.
BRIEF DESCRIPTION OF DRAWINGS
[0010] A more complete understanding of the present invention may
be derived by referring to the detailed description and claims when
considered in connection with the Figures, wherein like reference
numbers refer to similar elements throughout the Figures, and:
[0011] FIGS. 1, 3, and 4 are schematic block diagrams illustrating
exemplary incentive systems in accordance with various aspects of
the present invention;
[0012] FIG. 2 is a flowchart illustrating an exemplary process for
instant enrollment at a point-of-sale in accordance with the
invention;
[0013] FIG. 5 is a schematic block diagram of an exemplary central
rewards mechanism in accordance with the present invention;
[0014] FIG. 6 is a schematic block diagram of an exemplary rewards
server in accordance with the present invention;
[0015] FIG. 7 is a flowchart illustrating an exemplary process for
capturing and processing POS SKU data in accordance with the
present invention;
[0016] FIG. 8 is a flowchart illustrating an exemplary process for
associating SKU data and UPC data in accordance with the present
invention;
[0017] FIG. 9 is a schematic block diagram of an exemplary
profiling system in accordance with the present invention;
[0018] FIG. 10 is a schematic block diagram of an exemplary
profiler in accordance with the present invention;
[0019] FIG. 11 is a flowchart illustrating an exemplary process for
generating a purchaser profile in accordance with the present
invention; and
[0020] FIG. 12 is a flowchart illustrating an exemplary process for
standardizing a transaction file in accordance with the present
invention.
DETAILED DESCRIPTION
[0021] In general, the present invention includes facilitating the
transfer, gifting and/or pooling of geographic area loyalty points
between accounts. In an exemplary embodiment, the invention
includes facilitating the substantially real-time transfer of
loyalty points between accounts. Many consumers may transfer
geographic area points to one consumer to thereby pool points.
[0022] The geographic area loyalty points may be earned in a first
geographic area, so the system may include rules or restrictions
related to the transferring, gifting or pooling of geographic area
loyalty points based upon the existing geographic area loyalty
points which may exist in the accounts. For example, points earned
from New York retailers may only be combined with other points
which were earned from New York City retailers. Similarly, in other
embodiments, points earned from New York retailers may be combined
with points earned in the Northeast region of the United States. In
one embodiment, the geographic area designation of any portion of
the transferred points may change based upon the geographic
designation of all or any portion of the points within the
recipient account. For example, a free New York restaurant
certificate may require 20,000 points. However, if the consumer
only has 19,000 New York points in his loyalty account, the
consumer may request that a friend that has an extra 1,000 Arizona
loyalty points in her account immediately transfer the 1,000 points
to the consumer's loyalty account, thereby converting the
geographic designation of the 1,000 Arizona points to 1,000 New
York points to increase the total New York loyalty points in the
consumer's loyalty account to 20,000 loyalty points, thereby
allowing the consumer to immediately utilize the 20,000 New York
loyalty points to obtain the New York restaurant certificate.
[0023] While the invention will be discussed in terms of a general
transfer of geographic area loyalty points, one skilled in the art
will appreciate that the transfer may include a deduction from a
first account and a crediting of a second account with any type or
portion of points (or points converted to another geographic
designation). Moreover, the transfer may involve any portion of the
points transferred in real-time, certain points transferred in a
batch transfer, certain points transferred upon a triggering event,
certain points transferred over time and/or certain points
transferred upon satisfaction of a condition or rule.
[0024] In one embodiment, the system includes any hardware and/or
software discussed herein or known in the art suitably configured
for receiving a transfer request (e.g., consumer request,
triggering event, etc) for a transfer of a any portion of
geographic area loyalty points, accessing and analyzing the total
number of geographic area loyalty points in the transferor account
to determine if a sufficient number of points exist, analyzing the
type/level of consumer and type/level of points to be involved in
the transfer, determining if any rules exist for restricting or
limiting the transfer of geographic area points, using a conversion
engine to convert the point value or geographic area designation to
an appropriate point value or geographic area designation in the
transferee account, deducting the requested loyalty points from the
transferor account, and increasing the point balance in the
transferee account.
[0025] Loyalty points may be located in a consumer account wherein
the consumer account may be associated with a consumer ID. As
described herein in more detail, the consumer account and consumer
ID may include any form of account or identification for an
account. The consumer account may be associated with an
organization, charity, a primary member, a supplementary member
and/or more than one member. Certain consumer accounts may include
aggregate consumer accounts which include a plurality of primary
and/or supplementary members. As such, the transfer of points as
discussed herein may include the transfer of points between primary
and supplementary members, between primary members, between
supplementary members, between a member and an organization and/or
a member and a charity.
[0026] The consumers or loyalty points may be classified into
various geographic areas, levels, classes or types such that the
transfer of points may be limited to transferring points associated
with certain geographic areas, between certain consumers only
and/or between consumers in different levels, classes or types. For
example, a Gold Club consumer may only be allowed to transfer Texas
points to other Gold Club consumers having pre-existing Texas
points in their accounts. In another embodiment, consumers
associated with a certain organization or company can only transfer
Kentucky points to other consumers associated with the same
organization or company. For example, an IBM employee can transfer
Kentucky points to another IBM employee, wherein the transferred
points can still only be used in Kentucky. In another embodiment, a
consumer may only be allowed to transfer certain geographic area
points to the consumer's employer or to a charitable
organization.
[0027] The geographic area loyalty point balance may be stored as a
point total, a number, a letter, a level, a code, a value and/or
the like. Moreover, the loyalty points may include various
geographic areas, types, levels or classes of points such that the
transfer of points may be limited to transferring only certain
points between consumers. As such, while the point transfer is
discussed herein with respect to deducting and increasing certain
accounts, the invention contemplates that the transfer may include
a conversion of points to another geographic area, type, level or
class without (or in addition to) deducting or increasing points.
For example, the system may allow a consumer to transfer level 1,
Wyoming points to other consumers, but not allow the consumer to
transfer level 2, Oklahoma points. When combined with other
embodiments, the system may also allow only certain types of points
to be transferred to only certain types of consumers. For example,
only Seattle level 1 points may be transferred to Gold Club
consumers and only Los Angeles level 2 points may be transferred to
Green Club consumers. In another embodiment, loyalty points
associated with different geographic areas, levels, classes or
types may all be freely transferable to any consumer.
[0028] In another exemplary embodiment, the present invention
facilitates the transfer of any portion of loyalty point balances
from at least one sponsored account which includes sponsored
loyalty points to at least one host account associated with a
particular host. As used herein, a "sponsoring company" includes
any person, entity, software and/or hardware that facilitates the
issuing of points to its consumers including a company (e.g.,
hotel, airline, car rental, transaction card issuer, charity)
and/or parent organizations, joint ventures, affiliates,
subsidiaries, co-marketers, co-sponsors, divisions and/or any
related entities. As used herein, "sponsored loyalty points"
include loyalty points associated with a sponsoring company. The
sponsoring company may operate and sponsor a geographic area
loyalty program by allowing consumers to earn geographic area
loyalty points associated with the sponsoring company. The
sponsoring company also maintains one or more geographic area
loyalty point accounts for each consumer, wherein the system stores
a balance of the sponsored loyalty points earned by the particular
consumer. A "host" includes any person, entity, software, and/or
hardware that receives the transferred geographic area loyalty
points, facilitates the transfer of loyalty points and/or
aggregates loyalty points associated with the same consumer. The
host company may be another sponsoring company.
[0029] In accordance with the present invention, geographic area
loyalty points associated with a certain geographic area loyalty
system may also be transferred to other loyalty point accounts
within the same geographic area loyalty system or to a loyalty
point account in any other geographic area or in any other loyalty
point system. For example, Hilton Reward, Dallas points may be
transferred to a United Airlines frequent flyer account having
Paris points. In one embodiment, a conversion engine facilitates
any point value or geographic area conversions that may be
appropriate. For example, if a consumer desires to transfer five
hundred Hilton Reward, Dallas points to a United Airlines frequent
flyer account having Paris points, the conversion engine may
determine that the five hundred Hilton Rewards, Dallas points only
translate into one hundred United Airlines frequent flyer Paris
points. As such, the system would only increase the United Airlines
frequent flyer account by one hundred Paris points. The rules or
formulas associated with the conversion engine may be
pre-established by the loyalty point system hosts. For additional
details, see U.S. Ser. No. 10/378,456, filed on Mar. 3, 2003, by
Antonucci, et al., and entitled "SYSTEM AND METHOD FOR REAL-TIME
TRANSFER OF LOYALTY POINTS BETWEEN ACCOUNTS," which is hereby
incorporated by reference.
[0030] The transfer of any portion of geographic area loyalty
points in a consumer account may be initiated upon a triggering
event such as, for example, a request by the transferor, a request
by a transferee, a request by a loyalty system host, a request by a
third party, a transfer on a certain date or time, a percentage of
points transferred during certain time periods and/or an automatic
transfer upon a pre-established condition or data point. For
example, the system may include a pre-established condition that
any New York points in excess of 100,000 New York points are
automatically transferred to a supplementary account. In another
embodiment, upon each birthday of a certain child, the child's
loyalty account is credited a certain amount and geographic area
designation of points from the parent loyalty account. Similarly,
on every employment yearly anniversary date, an employee may
receive 50,000 Seattle loyalty points from her employer loyalty
account. In another embodiment, a pre-established condition may be
a transfer of geographic area loyalty points based upon input of
public or private data points. For example, transferring 30,000 San
Francisco loyalty points when the stock market rises above 10,000,
company revenue exceeds $2 million or the company stock hits
$20.
[0031] The transfer may also include certain conditions that must
be met prior to, during and/or after the transfer. If certain
conditions are not met, the transfer may be voided or expire and/or
any portion of the loyalty points may be returned to the original
transferor, to the loyalty system, to another consumer loyalty
account or to any other third party. For example, after receiving
transferred geographic area loyalty points, if the transferee does
not earn a certain amount of the same geographic area loyalty
points on her own, the transferred geographic area loyalty points
are transferred to another supplementary member.
[0032] The consumer loyalty system and/or any other third party may
also establish certain rules or criteria for determining which
consumers or geographic area loyalty point accounts should
participate in the transfer of geographic area points, the portion
of points that are transferred, and which loyalty accounts should
be credited with the transferred points. The rules may include a
transfer of points upon, for example, consumer accounts having
geographic area loyalty point balances which are below a certain
threshold amount, consumer accounts which have remained inactive
for a certain time period or a request by the consumer or a third
party. For example, the system may store a rule that flags any
account that includes less than 500 New York City points. Moreover,
the system may allow a consumer to enter a webpage or call a
customer service representative to request that the consumer's own
account be flagged such that the system will transfer any requested
number of geographic area loyalty points to a second loyalty
account upon a certain condition related to setting the flag. The
transfer of geographic area points may occur at any predetermined
time periods, certain dates, random dates and/or only at a
requested time. The amount and/or geographic area designation of
points to transfer may include a set amount of points, all of the
points, any subset of points, an increasing amount of points, a
decreasing amount of points and/or an amount of points based upon a
certain formula, event or non-event (e.g., transfer 500 Chicago
points away from a consumer loyalty account for each month the
consumer does not rent a car from a particular rental company).
[0033] The system may also credit any portion of the geographic
area loyalty points to one or more loyalty point accounts. For
example, the consumer may request that the geographic area loyalty
points be transferred to an account associated with a family
member, a friend, a charitable organization and/or the like. In
this manner, while the individual consumer accounts include minimal
amounts of points which are often insufficient for the individual
consumer to utilize for any large reward item, the charitable
organization may be able to acquire a large amount of points from
numerous consumer accounts in order to obtain larger reward
items.
[0034] After the system checks any established rules, the system
determines which consumer accounts meet the rules. The system may
then flag the particular accounts and send a list of consumer
accounts which meet the rules to the host system. In another
embodiment, the loyalty system may establish or activate accounts
associated with other people or organizations that may receive the
transferred points, such as, for example, a United Way account. In
one embodiment, the system may notify the consumer of the transfer
of the geographic area points and/or provide the consumer with the
option to keep the consumer account open or to close the consumer
account if all points are transferred to another account. The
system may then eliminate, close, or flag as inactive the consumer
account. By transferring the geographic area loyalty points from
certain inactive consumer accounts to the accounts of consumers
that desire the extra points, the loyalty system eliminates or
reduces the number of geographic area loyalty point accounts from
its system, thereby reducing the sponsoring company accounting
liabilities and providing new options for the consumers to redeem
the points or aggregated points in another loyalty program.
[0035] The invention also includes a geographic area loyalty point
donation system. In one embodiment, loyalty points may be donated
from a donor to a charity, wherein the donated points are converted
to a monetary value or goods and services, prior to donation to the
charity. In an alternative embodiment, a charity may accumulate
loyalty points from many donors, then redeem the points for goods
or services at a later time. The invention may also include an
automatic bill payment enrollment system for recurring donations of
geographic area loyalty points (or the monetary value of the
points). The system links a Donation Portal to an enrollment site,
thereby allowing consumers to automatically charge charitable
donations on a recurring basis to the consumer's loyalty account
which may be associated with a transaction card. For example, in
one embodiment, the consumer may authorize and the system may
implement a transfer of 1000 New York City points annually to a
desired college and 200 Chicago loyalty points annually to another
charity such as Save the Children. Alternatively, the member may
authorize a 100 Phoenix point transfer or gift to a desired college
and a 20 Denver point monthly transfer to a different charity.
[0036] In one embodiment, the invention uses a Donation Portal
having databases that interface with government Internal Revenue
Service databases such that the member may donate geographic area
loyalty points to virtually any of the U.S. 501(c)(3) organizations
for tax deduction purposes. In an alternative embodiment, a donor
may donate geographic area loyalty points to any other desired
organizations in the U.S. The system may also incorporate various
filters or donation analysis software to comply with government
guidelines such as, for example, The Office of Foreign Assets
Control (OFAC) which outlines requirements for restricting
donations being sent to terrorist organizations.
[0037] In another exemplary embodiment, the invention also includes
functionality to facilitate employee gift matching by providing an
email to the donor to confirm the donation. In that regard, the
system allows an employee to donate geographic area loyalty points
through the donation website and then submit its email receipt as
documentation for an employer gift matching program. In various
embodiments, the system may allow the employee to simply forward an
email to its employer, allow the employee or employer to enter data
into certain webpages, allow the employer to have certain access
rights to verify donations by an employee, or allow reports to
employers in any desired format or medium. The invention may then
allow the employer to automatically contribute corporate geographic
area points or any other donation to the same charity through an
employer matching program. The invention may also provide for
automated donation verification with employers, whereby information
related to employee donations are automatically forwarded to
employers for verification purposes. For additional details, see,
for example, U.S. Ser. No. 10/707,715, filed on Jan. 6, 2004, by
Aviles, et al., and entitled "Donation System and Method," which is
hereby incorporated by reference.
[0038] The system may also convert the geographic area loyalty
points to a monetary value, thereby allowing the points to be
donated to a charity such that the donation appears to be a
monetary value donation to the charity. The system converts the
geographic area loyalty points to a currency credit and posts the
credit to a charity account, where the charity account is generally
a financial transaction account, such as a charge card, that is
used to facilitate a transaction. For additional details, see, for
example, U.S. Ser. No. 09/834,478, filed on Apr. 13, 2001, by
Chien, et al., and entitled "System and Method for Using Loyalty
Points," which is hereby incorporated by reference.
[0039] The present invention also includes a system and method
wherein loyalty points may be earned within a specific geographic
location, then burned in one geographic location, a subset of
locations or without restrictions. Similarly, the loyalty points
may be earned in one geographic location, a subset of locations or
without restrictions, then burned only in a specific geographic
location. Details of the earn and burn process will be described in
more detail below. Interaction with the system may include
communication to customer service representatives, entry into
webpages or any of the computing devices set forth herein. The
financial or loyalty accounts may or may not be associated with any
of the transaction accounts or cards set forth below.
[0040] The geographic features of the system may be implemented
using new types of data collected during the transaction or using
existing data that is typically collected in a transaction, wherein
the existing data may also be associated with geographic areas such
as, for example, zip codes, retailer identification codes, service
establishment codes, SKU codes, UPC manufacturer codes and/or the
like. The collected information may be associated with any
previously known information to perform data analysis related to
the loyalty program on a local or network level (described in more
detail below).
[0041] The geographic information may be associated with the
consumer, merchant, processing system and/or any other part of the
overall system. For example, a consumer may have a home zip code in
New Jersey with a work zip code in New York City, so the system may
determine that the consumer still qualifies for reward points from
merchants with zip codes based in New York City. The system may
also determine that a "double point" promotion may apply to
purchases of products originating from manufacturers in Tennessee.
In a more complex embodiment, the system may encourage New Jersey
residents to shop for soap products from an Arizona manufacturer
(e.g., Dial Corporation) which are sold by a New York merchant. As
such, the system may acquire, utilize and/or associate the consumer
home zip code, the merchant building zip code, and the SKU
information from the soap. In another embodiment, the rewards may
have a theme related to the city. For example, New Orleans awards
may be related to Jazz shows and Mardi Gras activities, while New
York City awards may be related to Broadway shows, dining and other
entertainment or sports venues. The awards may also include full
geographic "experiences" such as, for example, dinner, backstage
passes, cocktails with the cast, and movie premiers.
[0042] The system may include online interfaces, dial-up interfaces
through POS terminals or any of the other hardware, software and
communications discussed herein. In one embodiment, the system is
configured with one product platform with a modularized approach to
facilitate the development of market specific rewards and
communication materials. Particularly, any geographic location and
associated merchants may be input into a version of the present
invention such that the invention facilitates similar features and
functions in any newly created geographic region. For example, the
system may be fully functional with various merchants, rewards and
residents in the Manhattan, N.Y. area. Different data may be
inputted into the same system in order to facilitate similar
functionality in the Phoenix, Ariz. area, along with creating
rewards and marketing material related to Phoenix merchants.
[0043] In this regard, a participant may use a particular ID or
password to access the system online, wherein the particular ID
instructs the system to provide functions and marketing materials
or displays related to the appropriate geographical region. For
example, inputting ID #1234 into a web site may result in a web
page displaying various rewards redeemable at various Manhattan
merchants. Similarly, inputting ID #5678 into the same web site may
result in a web page displaying various rewards redeemable at
various Phoenix merchants. The transaction card of the present
invention may include a dual purpose transaction device which
combines geographic-based loyalty functionality, financial
transaction functionality (e.g., charge card) and access
functionality (e.g., access to public transportation, including
payment of the transportation fare). The card may include one or
more magnetic stripes related to each functionality. The card or
other transponder device may alternatively include two different
RFID signals for each functionality.
[0044] As used herein, a "geographic area" or similar terms may
include all or any portion of any street, city, county, state,
country, continent, region (e.g., SoHo district, Chinatown), or any
other areas, including combinations or subsets of areas. The
geographic areas may relate to any of the participants, products,
services or identifications. The geographic areas may relate to any
associated geographic area such as, for example, a geographic area
associated with a participant's home residence, work residence,
travel areas or the like. The geographic area may also be
automatically established based on the geographic area where a
participant is located at the time (or at any established time
period) based on, for example, cellular phone caller location
relative to cellular towers or a global positioning system. The
geographic areas may also be associated with where the product is
manufactured, distributed, sold or the like. Moreover, while
certain embodiments may refer to only a specific geographic area
for brevity, the invention also contemplates other similar
embodiments for multiple geographic areas or subsets of areas.
[0045] As used herein, "participant" may include any user, person,
entity, charitable organization, machine, hardware, software,
merchant or business who accesses and uses the system of the
invention, including consumers (such as primary members and
supplementary members of an aggregate consumer account), retailers,
manufacturers, and third-party providers, including any subsets,
groups or combinations thereof. Participants in the system may
interact with one another either online or off-line. The terms
"participant", "purchaser", "customer", "consumer", "primary
member", and "end-user" may be used interchangeably with each
other, and each shall mean any person, entity, charitable
organization, or business which uses a consumer ID to participate
in the present system. The participant may reside in a geographic
area and work in a different geographic area.
[0046] As used herein, the term "online" refers to interactive
communications that take place between participants who are
remotely located from one another, including communication through
any of the networks or communications means described herein or the
like.
[0047] The term "manufacturer" shall include any participant,
person, entity, charitable organization, machine, software,
hardware, and/or the like that manufactures, distributes, or
originates a product or service which may ultimately be offered to
a consumer directly or indirectly through a retailer. The term
"manufacturer" may also include any party that generates and/or
provides manufacturer item identifiers. The manufacturer item
identifier may include information related to the geographic area
of the item or the geographic area of the manufacturer's
manufacturing plant, headquarters or divisions.
[0048] The term "retailer" shall include any person, entity,
charitable organization, machine, software, hardware, and/or the
like that that offers a product or service to a consumer. As used
herein, the term "retailer" is used interchangeably with the term
"merchant". Moreover, in this context, a retailer or merchant may
offer or sell, either online or offline, products and/or services
made or supplied by at least one manufacturer. The retailer or any
distributors, suppliers, affiliates, franchises and the like may be
located in one or more geographic areas.
[0049] As used herein, the phrases "network level" and
"network-wide level" shall refer to a system that includes more
than one retailer.
[0050] A "consumer ID", as used herein, includes any device, code,
or other identifier suitably configured to allow a consumer to
interact or communicate with the system, such as, for example, a
rewards card, charge card, credit card, debit card, prepaid card,
telephone card, smart card, magnetic stripe card, bar code card,
authorization/access code, personal identification number (PIN),
Internet code, or other identification code, signal or indicia.
Additionally, a "consumer ID" may comprise any form of electronic,
radio frequency, transponder, magnetic, and/or optical device
capable of transmitting or downloading data from itself to a second
device which is capable of interacting and communicating with such
forms of consumer ID.
[0051] "Consumer enrollment data" may comprise any of the
following: name; address; zip code; home geographic area; work
geographic area; date of birth; social security number; email
address; gender; the names of any household members; a credit card
number for charging any fees that may be associated with
participation in the system; survey data; interests; educational
level; spending trends; and/or any preferred brand names. A
consumer may register to participate in the present system by any
methods known and practiced in the art. For example, a consumer may
be enrolled automatically (e.g., if the consumer holds an existing
consumer account with the system administrator), over the phone, at
the point of sale (e.g., through a paper application, a verbal
interview, or instant enrollment using a retailer loyalty
identifier, as described herein), through the mail, or through
instant enrollment online. Upon enrollment, the consumer receives a
consumer ID that is associated with a consumer account. Enrollment
data may be updated periodically, either by the consumer requesting
that the data be updated to reflect changes or additions or the
system requesting that the consumer review and update the data as
needed, for example.
[0052] As used herein, a "retailer loyalty identifier" may include
any device, code, or other identifier which permits a consumer to
interact or communicate with a retailer system, including a
retailer terminal, and indicate their participation in a retailer
loyalty program which may be offered by a particular retailer or a
group of retailers. Exemplary retailer loyalty identifiers may
comprise any of the following: a rewards card, charge card, credit
card, debit card, prepaid card, telephone card, smart card,
magnetic stripe card, bar code card, authorization/access code,
personal identification number (PIN), Internet code, other
identification code, radio frequency card and/or the like.
Additionally, a retailer loyalty identifier may comprise any form
of plastic, electronic, magnetic, radio frequency, audio and/or
optical device capable of transmitting or downloading data from
itself to a second device which is capable of interacting and
communicating with such retailer loyalty identifiers.
[0053] As used herein, a "consumer account" shall mean any account
which specifies a consumer as a holder of the account and which
posts, records, stores, or tracks a consumer's activity that is
related to participation in the loyalty program. In one embodiment,
the consumer account may post or record any of the following types
of information: purchasing activity (e.g., items purchased and/or
purchase amounts), reward points earning activity, reward points
redemption activity, bonus offerings activity, and the like.
[0054] In accordance with one aspect of the invention, the consumer
ID may be associated with an aggregate consumer account which
specifies the consumer as a primary member and permits the
association of any number of supplementary members with the primary
member. In one embodiment, supplementary members are affiliated
with the primary member, such as by being a member of the primary
member's household, business, organization, and the like. In
another embodiment, supplementary members are selected by the
primary member for association with the primary member's aggregate
consumer account on any basis deemed suitable by the primary
member. For example, a primary member may associate friends,
co-workers, family members, or any other group of individuals or
entities. In one embodiment, both primary members and supplementary
members may earn and redeem reward points which are posted to the
aggregate consumer account or to any of several accounts that may
be associated with the aggregate consumer account. In another
embodiment, a supplementary member may only redeem reward points
which that particular supplementary member has earned. In a further
embodiment, a supplementary member may only redeem a quantity of
reward points which the primary member has authorized for
redemption by that particular supplementary member. The primary and
supplementary members may be associated with the same, overlapping
or different geographic areas.
[0055] As used herein, the phrase "aggregate consumer account"
shall mean any account which specifies a primary member and permits
the association of any number of supplementary members with the
primary member. In one embodiment, an aggregate account may be the
sole account that associates the primary member with the
supplementary members and reflects the activity of the primary
member and any supplementary members. In another embodiment, an
aggregate consumer account may be associated with multiple accounts
that may each be associated with a supplementary member. For
example, an aggregate consumer account may aggregate and post,
record, store, or track all relevant activity engaged in by the
primary member and any supplementary members that are associated
with the aggregate consumer account. This aggregate activity may be
reported solely to the primary member. Further, each supplementary
member may be associated with a sub-account which posts only
activity engaged in by the particular supplementary member. The
activity in this sub-account may be reported only to the
supplementary member associated with the sub-account. In this
manner, the primary member may oversee the activity of each of the
supplementary members, but each of the supplementary members cannot
oversee the activity of either the primary member or other
supplementary members.
[0056] The phrase "supplementary member" shall mean any person,
entity, charitable organization, or business which uses a
supplementary member ID to participate in the present system. It
will be appreciated that, in certain contexts, the phrase
"supplementary member" may be used interchangeably with the terms
"purchaser", "customer", "consumer", and "end-user", since a
"supplementary member" is a particular type of "consumer". A
"supplementary member ID", as used herein, includes any device,
code, or other identifier suitably configured to allow a
supplementary member to interact or communicate with the system,
such as, for example, a rewards card, charge card, credit card,
debit card, prepaid card, telephone card, smart card, magnetic
stripe card, bar code card, authorization/access code, personal
identification number (PIN), Internet code, other identification
code, and/or the like. Additionally, a "supplementary member ID"
may comprise any form of electronic, magnetic, and/or optical
device capable of transmitting or downloading data from itself to a
second device which is capable of interacting and communicating
with such forms of supplementary member ID.
[0057] A supplementary member may be registered to participate in
the present system by any methods known and practiced in the art.
In one embodiment, a supplementary member is registered by a
primary member. For example, a supplementary member may be enrolled
by a primary member over the phone, at the point of sale (e.g.,
through a paper application, verbal interview, or instant
enrollment using a retailer loyalty identifier), through the mail,
or through instant enrollment online. In another embodiment, a
supplementary member is authorized to register by a primary member,
and the supplementary member self-enrolls in view of the
authorization. For example, a primary member may provide the system
administrator with some indicia of authority to process the
registration of a supplementary member, if and when the authorized
supplementary member chooses to enroll in the system. The indicia
of authority may include any suitable information, such as, for
example, any of the following information regarding the
supplementary member: name, address, social security number,
employee number, date of birth, and the like. Supplementary member
enrollment data may comprise any of the following: name; address;
zip code; home geographic area; work geographic area; date of
birth; social security number; email address; gender; a credit card
number for charging any fees that may be associated with
participation in the system; survey data; interests; educational
level; and/or any preferred brand names. Upon enrollment, the
supplementary member receives a supplementary member ID which is
associated with the primary member's aggregate consumer account. In
one embodiment, the supplementary member ID may also be associated
with, related to, identical to, contain a portion of, or expand
upon the primary member's consumer ID.
[0058] A "consumer profile", as used herein, shall refer to any
data used to characterize a consumer and/or the behavior of a
consumer. In the context of a commercial transaction, "a consumer
profile" shall be understood to include, for example, the time and
date of a particular purchase, the frequency of purchases, the
volume/quantity of purchases, the transaction size (price), and/or
the like. Additionally, in other transactional contexts, the term
"consumer profile" shall also be understood to include non-purchase
behaviors of a consumer, such as consumer enrollment data, visiting
a Web site, referrals of prospective participants in the system,
completion of a survey or other information gathering instrument,
and/or the like. For instance, a participating online consumer may
earn reward points automatically through a triggering event, such
as visiting a Web site, completing an online survey, or clicking on
a banner advertisement for example. Offline, a participating
consumer may earn reward points by completing a task or showing
their consumer ID to the cashier and triggering the cashier to
provide a "behavior" ID which may be input (e.g. by scanning a bar
code on a paper survey for example) into the POS terminal. Further,
any aspects of the consumer profile may be used in the context of
data analysis.
[0059] A "supplementary member profile", as used herein, shall
refer to any data used to characterize a supplementary member
and/or the behavior of a supplementary member. In the context of a
commercial transaction, "a supplementary member profile"s hall be
understood to include, for example, the time and date of a
particular purchase, the frequency of purchases, the
volume/quantity of purchases, the transaction size (price), and/or
the like. Additionally, in other transactional contexts, the term
"supplementary member profile" shall also be understood to include
non-purchase behaviors of a supplementary member, such as
supplementary member enrollment data, visiting a Web site,
referrals of prospective participants in the system, completion of
a survey or other information gathering instrument, and/or the
like. For instance, a participating online supplementary member may
earn reward points automatically through a triggering event, such
as visiting a Web site, completing an online survey, or clicking on
a banner advertisement for example. Offline, a participating
supplementary member may earn reward points by completing a task or
showing their supplementary member ID to a cashier and triggering
the cashier to provide a "behavior" ID which may be input (e.g., by
scanning a bar code on a paper survey for example) into the POS
terminal. Further, any aspects of the supplementary member profile
may be used in the context of data analysis.
[0060] A "third-party provider" may comprise any additional
provider of goods and/or services to a consumer. Specifically, a
"third-party provider" includes any party other than the particular
manufacturer and retailer who is involved in a transaction with a
consumer. A third-party provider may include, for example, a
financial institution, such as a bank or an issuer of a financial
instrument (such as a credit card or a debit card). A third-party
provider may also include a provider of goods and services which
are offered as awards to consumers in exchange for a requisite
number of reward points.
[0061] Though the invention may generically be described with
reference to a series of transactions which transfer a good or
service from an originating party to an intermediary party and a
subsequent transaction which transfers the good or service from the
intermediary party to an end-user of that good or service, for
convenience and purposes of brevity and consistency, the present
disclosure generally refers to the originating party as a
"manufacturer", the intermediary party as a "retailer", the
end-user as a "consumer"(including primary members and/or
supplementary members), and a good or service as a "product" or
"item". However, it will be recognized by those of ordinary skill
in the art that the retailer need not provide a product or item to
a consumer in exchange for monetary currency. While this often may
be the case, the present disclosure is not so limited and includes
transactions which may be gratuitous in nature, whereby the
retailer transfers a product or item to a consumer without the
consumer providing any currency or other value in exchange. It is
further noted that additional participants, referred to as
third-party providers, may be involved in some phases of the
transaction, though these participants are not shown. Exemplary
third-party providers may include financial institutions, such as
banks, credit card companies, card sponsoring companies, or issuers
of credit who may be under contract with financial institutions. It
will be appreciated that any number of consumers, retailers,
manufacturers, third-party providers, and the like may participate
in the system of the present invention.
[0062] As used herein, the term "UPC" and the phrase "manufacturer
item identifier" shall refer to any symbol or indicia which
provides information and, in an exemplary embodiment, shall refer
to any number, code, or identifier assigned by a manufacturer and
associated with an item, including any type of goods and/or
services, ultimately offered to a consumer or other end-user. The
UPC may include geographic area information related to the origin
of the product, where the product is being sold, the various
geographic areas the product is distributed and/or the like.
[0063] A UPC is sometimes referred to as a SKU number. However, as
used herein, the term "SKU" and the phrase "retailer item
identifier" shall refer to any symbol or indicia which provides
additional information and, in an exemplary embodiment, shall refer
to any number, code, or identifier assigned by a retailer and
associated with an item, including any type of goods and/or
services, offered to a consumer or other end-user (such as a
supplementary member for example). The SKU may include geographic
area information related to the origin of the product, where the
product is being sold, the various geographic areas the product is
distributed and/or the like.
[0064] "Purchase data", as used herein, comprises data relating to
the offer of any item to a consumer, supplementary member, or other
user of goods and/or services. Purchase data may include data
regarding any or all of the following: geographic area of purchase,
an item purchased; an item price; a number of items purchased; a
total transaction price; a payment vehicle (e.g., cash, credit
card, debit card, check, etc.); a time, date, and/or day of the
week associated with a purchase; a store identifier; an employee
identifier; a retailer item identifier; a loyalty identifier; a
retailer loyalty identifier; a consumer's use of (which includes a
reference to) a marketing offer (e.g., a coupon, a bonus offering,
reward points, etc.); whether a purchase transaction takes place
online or offline; and/or the like. In one embodiment, purchase
data may also include any data relating to a product or service
warranty that may apply to a purchased item. Such "warranty data"
may include any of the following: the duration of the
manufacturer's warranty, the scope of the warranty (e.g.,
limitations that may apply), any consumer purchased extensions of
the manufacturer's warranty, and the like.
[0065] "Retailer ID", as used herein, comprises any symbol,
indicia, code, number, or other identifier that may be associated
with a retailer of any type of goods and/or services offered to a
consumer, supplementary member, or other end-user. A retailer ID
may also include or be associated with a "store ID", which
designates the geographic area of a particular store.
[0066] A "manufacturer ID" comprises any symbol, indicia, code,
number, or other identifier that may be associated with a
manufacturer of any type of goods and/or services ultimately
offered to a consumer, supplementary member, or other end-user. A
manufacturer ID may also include geographic area information
related to the location of a manufacturer (e.g., headquarters,
manufacturing facility), distributors, suppliers or the like.
[0067] An "award" or "reward" may comprise any quantity of
products, services, coupons, gift certificates, rebates, reward
points, bonus points, credits or debits to a financial instrument,
entertainment packages, theme packages of items, any combination of
these, and/or the like.
[0068] A "purchaser profile", as used herein, shall refer to and/or
include any data used to characterize a consumer and/or the
behavior of a consumer and may be derived from other data, such as,
for example, geographic area information, consumer enrollment data
and purchase data. A "purchaser profile" may include, and/or convey
information regarding, any or all of the following: consumer
enrollment data; the time, date, and/or day of the week of a
particular purchase; the item(s) purchased; the price of the
item(s) purchased; the purchase frequency for particular items; the
volume/quantity of purchases, either in terms of total dollars
spent or item quantities; spend levels over the course of a given
time period; spend levels for a given category of products;
responses to marketing offers; whether purchases were made online
or offline; the transaction size (price); a purchaser's brand
preferences; a retailer item identifier; a manufacturer item
identifier; the existence and terms of a product warranty
associated with an item purchased; the status (e.g., current or
almost expired) of a product warranty associated with a purchased
item; geographic area information related to any of the foregoing
information, and/or the like. It will be appreciated that while
particular types of data may be described herein as either
"purchase data" or "enrollment data", these categories of data need
not be exclusive of one another and may overlap. For example, in
alternate embodiments of the invention, data types that may be
described herein as "purchase data" may be included as "enrollment
data", and data types that may be described herein as "enrollment
data" may be included as "purchase data". Moreover, in further
embodiments, data types that are described herein as being a part
of one of these data categories may, instead, be a part of the
other data category.
[0069] "Data analysis", as used herein, shall be understood to
comprise quantitative and qualitative research, statistical
modeling, regression analyses, market segmentation analyses,
econometrics, and/or the like. Such analyses may be used to
characterize a consumer, predict a consumer's behavior, and/or
correlate any of the following: a consumer profile, a part of a
consumer profile, a supplementary member profile, a part of a
supplementary member profile, consumer enrollment data, purchase
data, retailer data, manufacturer data, product or service data,
and/or the like.
[0070] Since rewards, which may be in the form of reward points,
may be earned across the various tiers and geographic areas in the
network, rewards may also be used or spent across the various tiers
and geographic areas in the network. Thus, any reward points that
an employee, for example, may earn by promoting a particular
manufacturer's line of products, may be "spent" by that employee on
goods or services provided by any participant in the network, not
merely at the retailer who employs that employee. Likewise, any
reward points earned by a consumer may be spent on goods or
services offered by any participant in the network. However, the
earning or burning of the points may include geographic rules or
restrictions.
[0071] In accordance with another aspect of the invention, the use
of geographic based loyalty points or rewards by the system
facilitates data analysis on a network level based upon several
factors, including any of the following: geographic area, consumer
ID, consumer profile, supplementary member ID, supplementary member
profile, retailer ID, SKU number, UPC, manufacturer ID, and/or the
like. The system may compile any of the above data across multiple
participants for the purpose of data analysis, such as analyses
which may be employed in strategic planning and marketing for
example. The system of the invention may be used to compile,
analyze, and report data in a manner which would inform any or all
network participants that, for example, a specific consumer (1) has
made multiple purchases of particular manufacturers" products in a
certain geographic area; (2) has spent Q dollars over a certain
time period in a certain geographic area; (3) at specific multiple
retailers in certain geographic areas; and (4) of the purchases
made, R dollars went towards the purchase of Product 1 manufactured
in a certain geographic area, S dollars went towards the purchase
of Product 2 sold in a certain geographic area, and T dollars went
towards the purchase of Service 1 offered in a certain geographic
area. Moreover, the system may be used to compile, analyze, and
report data that enable a retailer, a manufacturer, and/or a
third-party provider to create a variety of targeted marketing
promotions, such as, for example, (1) marketing Product 1 offered
by Manufacturer 1 to consumers in a certain geographic area who
purchase Product 2 offered by Manufacturer 2; (2) marketing Product
1 offered by Manufacturer 1 and sold by Retailer X to consumers in
a certain geographic area who purchase Product 2 offered by
Manufacturer 2 at Retailer Y; and/or (3) marketing Product 1
offered by Manufacturer 1 and sold by Retailer X to consumers in a
certain geographic area who purchase Product 2 offered by
Manufacturer 2 at Retailer Y five times a year. It will be
appreciated that these are but a few of the many possible
applications for data gathered and generated by the system of the
present invention.
[0072] In accordance with a further aspect of the invention, the
system administrator may allocate reward points to participants in
the system. The reward points may be associated with a particular
geographic area. In one embodiment, participating retailers and/or
manufacturers in a certain geographic area may purchase geographic
area specific points from the system administrator and the points
are then allocated to an account associated with the retailer
and/or manufacturer. For example, a New York City retailer near
Broadway may purchase 1,000 points which, when a sufficient number
are collected, entitle the consumer to a free Broadway show next to
the retailer's place of business. In an alternate embodiment, the
system administrator may give or donate points to participating
retailers and/or manufacturers. The system administrator maintains
an account with each of the participating retailers and
manufacturers and tracks available points balances and/or balances
owing on a rolling basis. The points purchased by the retailers
and/or manufacturers may then be earned by and issued to consumers
in a manner that is predetermined by the retailer and/or
manufacturer involved in the transaction with the consumer. For
example, Retailer 1 may purchase 10,000 points from the system
administrator and then offer consumers 1 point for every $10
dollars spent in Retailer 1"s store or, perhaps, some number of
points for every fifth transaction in the store. Moreover,
Manufacturer 1 located in Michigan, who produces the product
offered by Retailer 1 in Michigan, may also purchase points from
the system administrator. Thus, when a consumer purchases
Manufacturer 1"s product at Retailer 1, Manufacturer 1 may issue
some number of points to the consumer, wherein the points entitle
the consumer to a free dinner at a Detroit restaurant. The issuance
of points, either by retailers or manufacturers, may be based upon
any selected criteria, including a points-for-dollars ratio or
percentage, a defined quantity of points per item or per
transaction, some combination of these, and/or the like. The
issuance of points may also include ratios based upon geographic
area. For example, 1000 points to be redeemed in Detroit may be
purchased for $1000, but the same 1000 points to be redeemed in New
York City may cost $2000 because the rewards may be more expensive
(e.g., more expensive for a dinner).
[0073] The system administrator maintains an account for each
participating consumer and apprises the consumer of the points
totals and account activity. The consumer may have one (or a subset
of accounts) which include points associated with different
geographic areas or separate accounts for each geographic area. The
consumer may search or view points based upon geographic area
designation or combinations of designations. The system may allow
the consumer to transfer points from one geographic area
designation to another geographic area designation or combine
points from different designations, wherein the transfer or
combining may include a transfer ratio. For example, the consumer
may only be allowed to transfer 1000 New York City points to 500
Denver points. The consumer may review the total number of points
in the account either online or off-line, such as through a
periodic statement sent by the system administrator or through the
use of a communications network, such as the Internet, for example.
Points in the consumer's account may be accumulated across the
multiple retailers and/or manufacturers participating in the system
and the accumulation may be limited to combining points from
similar geographic areas. Thus, points earned by a consumer based
upon transactions with different retailers and/or manufacturers in
the same geographic area may combined, resulting in a rapid accrual
of points.
[0074] The system administrator offers a catalog of products and
services related to different geographic areas, which may be either
online or off-line, from which consumers may select rewards in
exchange for the applicable accrued points. In this manner,
consumers advantageously earn points based upon their everyday
purchases of products and services in a certain geographic area,
these points are accrued across retailers and/or manufacturers in a
certain geographic area, and points redemption takes place through
a catalog of rewards from the same geographic area.
[0075] In accordance with another aspect of the invention, the
system administrator may maintain an aggregate consumer account for
a participating consumer (primary member) regardless of the
geographic area where the points are, or may be, earned. The
aggregate consumer account is established, for example, by the
primary member, who enrolls or permits enrollment of any number of
supplementary members who are identified by the primary member,
wherein the supplementary members may obtain points in the same or
different geographic area as the primary member. In one embodiment,
a consumer may establish an aggregate consumer account to encompass
members of the primary member's household, business, charitable
organization, and the like. In another embodiment, supplementary
members are selected by the primary member for association with the
primary member's aggregate consumer account on any basis deemed
suitable by the primary member. For example, a primary member may
associate friends, co-workers, family members, or any other group
of individuals or entities in the same or different geographic area
as the primary member. In one embodiment, each supplementary member
is associated with a supplementary member ID number, which uniquely
identifies the supplementary member (e.g., as Supplementary Member
1, Supplementary Member 2, etc.) and which affiliates the
supplementary member with the primary member, a geographic area
associated with the primary member, the primary member's consumer
ID, and/or the primary member's aggregate consumer account. As
discussed herein, the supplementary member accounts may be
aggregated or divided by geographic area.
[0076] In accordance with an exemplary embodiment, supplementary
members may both earn reward points and redeem reward points based
upon their participation in the system of the invention. In one
embodiment, the supplementary member ID is used to identify reward
points earning transactions and reward points redemption
transactions engaged in by a particular supplementary member, as
distinguished from transactions engaged in by the primary member or
other supplementary members of the aggregate consumer account. In
this manner, the aggregate consumer account may track aggregate
points totals and account activity for all members (primary and
supplementary) of the aggregate consumer account as well as track
particular point totals and account activity for each member
(primary and supplementary) of the aggregate consumer account. In
one embodiment, a primary member may redeem all or any of the
reward points accumulated in the aggregate consumer account in the
same or different geographic area as the supplementary members. In
another embodiment, a primary member may designate a particular
supplementary member(s) as eligible to redeem any or all of the
reward points in the aggregate consumer account and the primary
member or any other participant may limit the redemption to a
specific geographic area. In a further embodiment, each
supplementary member may redeem those reward points which have been
earned by the particular supplementary member in a specific
geographic area. In still another embodiment, a supplementary
member may only redeem a quantity of reward points which the
primary member has authorized for redemption by that particular
supplementary member in a specific geographic area. In yet another
embodiment, a first supplementary member may designate a second
supplementary member as eligible to redeem in a specific geographic
area any or all of the reward points earned by the first
supplementary member in a specific geographic area.
[0077] In accordance with an aspect of the invention, a consumer
may review the total number of points in an account either online
or off-line, such as through a periodic statement sent by the
system administrator or through the use of a communications
network, such as the Internet, for example. Points in the
consumer"` account are accumulated across the multiple retailers
and/or manufacturers participating in the system. Thus, points
earned by a consumer based upon transactions with different
retailers and/or manufacturers in a specific geographic area are
combined, resulting in a rapid accrual of points. The system
administrator offers a catalog of products and services, which may
be either online or off-line, from which consumers may select
rewards in exchange for accrued points. In this manner, consumers
advantageously earn points based upon their everyday purchases of
products and services in a specific geographic area, and these
points are accrued across retailers and/or manufacturers in a
specific geographic area.
[0078] In one embodiment, a consumer may redeem earned points
through a specific geographic area catalog of rewards, which may
include products and services offered by any number of merchants in
a specific geographic area, which merchants may or may not be
participants in the system. The catalog may be offered to the
consumer in both online and offline formats. In another embodiment,
a consumer may redeem earned points through a customized online
catalog, which presents to the consumer a sub-set of rewards from
the catalog in a specific geographic area that are particularly
relevant to the consumer. The relevance of particular rewards to
the consumer may be defined based upon any suitable criteria, such
as the consumer's self-characterization (such as by indicating and
inputting particular demographics information through a suitable
user interface, as is well-known and practiced in the art) or the
consumer's reward points total in a specific geographic area, for
example. The customized online catalog may also include products
and services offered by any number of merchants in a specific
geographic area.
[0079] In accordance with another aspect of the invention, a
primary member may permit a supplementary member to access and
review, through the use of a suitable communications network (such
as the Internet for example), the total number of points in any
geographic area in an aggregate consumer account. Alternatively, a
primary member may permit a supplementary member to access and
review only the number of points earned by that particular
supplementary member in a specific geographic area. As with primary
members, points earned by supplementary members are accumulated
across the multiple retailers and/or manufacturers in a specific
geographic area participating in the system. Thus, points earned by
a supplementary member based upon transactions with different
retailers and/or manufacturers in a specific geographic area are
combined, resulting in a rapid accrual of points.
[0080] In one embodiment, supplementary members may redeem
accumulated reward points through the above-described catalog as
well as the customized online catalog. Alternatively, supplementary
members may redeem reward points at one or more sub-catalogs for a
specific geographic area that may target a particular type of
supplementary member in a specific geographic area. The type of
supplementary member targeted by a sub-catalog may be defined by
any suitable criteria, such as the specific geographic area of the
member or where the points were earned, capacity for lesser or
greater point accumulation, consumer market segment, demographics
information, products related to or similar to previously purchased
products, profile information, and the like. Examples of the types
of supplementary members may include younger household members,
such as children or teenagers for example; particular classes or
categories of employees, such as staff members or senior
executives; members of a charitable organization, such as
volunteers or officers of the Board of Directors; and the like. In
one embodiment, a sub-catalog may offer items having a lower
monetary value in a specific geographic area (as reflected in the
redemption points value of the offered items) than items offered in
the catalog. In another embodiment, each supplementary member's
accumulated reward points total in a specific geographic area is
matched, according to a volume of total points, with a
corresponding sub-catalog in a specific geographic area, and a
supplementary member who seeks to redeem accumulated reward points
is automatically directed to that particular sub-catalog in
response to a request for redemption. In one embodiment, any reward
points redemption transactions by a supplementary member in a
specific geographic area results in a corresponding reduction in
the aggregate accumulated reward points total of the aggregate
consumer account in a specific geographic area as well as a
reduction of the particular supplementary member's reward points
total in a specific geographic area.
[0081] In accordance with the present invention, FIG. 1 is a
diagram illustrating an exemplary embodiment of an incentive or
loyalty system 100. System 100 comprises a central rewards
mechanism 102; a plurality of retailer/merchant systems 104; and at
least one manufacturer 106. One skilled in the art will appreciate
that system 100 may comprise any number of retailer systems 104 and
any number of manufacturers 106.
[0082] The central rewards mechanism 102 manages the incentive or
loyalty program of system 100. In an exemplary embodiment, central
rewards mechanism 102 receives, processes, and stores manufacturer
data, such as information regarding products, services, geographic
area information and UPC data, transmitted by manufacturers 106 who
have enrolled in the system 100. Manufacturers 106 may transmit
data to central rewards mechanism 102 in any form and by any means
known in the art, including any of the communications means
described herein. The manufacturer data is stored by the central
rewards mechanism 102 in database 103. As described in further
detail below, database 103 may be any type of database, such as
relational, hierarchical, object-oriented, and/or the like. Common
database products that may be used to implement database 103
include DB`by IBM (White Plains, N.Y.), any of the database
products available from Oracle Corporation (Redwood Shores,
Calif.), Microsoft Access by Microsoft Corporation (Redmond,
Wash.), or any other database product. Database 103 may be
organized in any suitable manner, including as data tables or
lookup tables.
[0083] The central rewards mechanism 102 may receive and process,
geographic area information, consumer ID or supplementary member ID
information and purchase data from any of the retailer systems 104.
The central rewards mechanism 102 may also associate a particular
consumer ID or supplementary member ID with the geographic area
information, purchase data and a corresponding manufacturer item
identifier. In one embodiment, the central rewards mechanism 102
performs an analysis involving one or more of the following:
geographic area information, a consumer ID, a supplementary member
ID, purchase data, a points ratio, a consumer profile, a
supplementary member profile, a retailer ID, and a manufacturer ID.
The analysis may be dependent upon an association of the consumer
ID or supplementary member ID, the purchase data, and the
manufacturer item identifier. The analysis may further comprise,
for example, geographic area information analysis using a
calculation of reward points and/or other analyses for purposes of
market segmentation in a geographic area, determining consumer
spending behavior in a geographic area, correlating spending
behavior in a geographic area and consumer demographics in a
geographic area, and/or the like, as described in greater detail
above.
[0084] In one exemplary embodiment, the central rewards mechanism
102 stores and informs a consumer of the reward points that have
been earned by a particular transaction in a geographic area as
well as accumulated over time in various geographic areas. The
number of reward points calculated and awarded by the central
rewards mechanism 102 for a particular purchase may depend upon a
geographic area and/or a predetermined rewards ratio. The rewards
ratio may be determined by the retailer, the system administrator,
the manufacturer of the purchased item, and/or any other suitable
third-party. For example, if a participating consumer buys a
product from a retailer for $100 and if the retailer rewards ratio
is one reward point for each dollar of the purchase price (i.e.,
one-for-one), once the consumer's consumer ID or supplementary
member ID is identified by the system, the consumer is credited
with a suitable number of reward points from the retailer, which,
in this case, would be 100 points. However, if the manufacturer
also chooses to issue reward points for the item purchased, the
manufacturer may select a points ratio that is different from the
retailer's selected ratio. In the illustrated example, if the
manufacturer's selected points ratio is two-for-one, then the
consumer will be awarded an additional 200 points from the
manufacturer for this single $100 purchase. Additionally, if the
product is purchased in a certain geographic area, the points ratio
may be different. For example, if the product is purchased in Ohio,
the consumer is awarded a three-to-one ratio, but if the product is
purchased in Arizona, the consumer may only receive a two-to-one
ratio. In this manner, the system of the invention may provide
"earn accelerators" through which consumers may accumulate reward
points at a comparatively rapid rate. In other words, a single
purchase in a geographic area may generate reward points for a
consumer from any or all of a retailer, a manufacturer, and/or a
third-party provider, and those reward points may be used as
rewards currency by the consumer throughout the network established
by the system of the invention.
[0085] In an exemplary embodiment, retailer system 104 comprises a
retailer terminal 108 and a retailer processor 110 in communication
with database 111. Retailer terminal 108 comprises any input device
capable of identifying a consumer ID or a supplementary member ID.
Exemplary devices for identifying a consumer ID or supplementary
member ID may include: a conventional card reader which recognizes
a magnetic stripe or bar code associated with a consumer ID or
supplementary member ID; a biometric device; a radio frequency
device; a smart card reader which recognizes information stored on
a microchip integrated with a consumer ID or supplementary member
ID; any device capable of receiving or uploading consumer ID or
supplementary member ID data transmitted electronically,
magnetically, optically; and/or the like. In one embodiment,
retailer terminal 108 and retailer processor 110 are co-located at
a retail store. In another embodiment, retail terminal 108 and
retailer processor 110 are remote from each other.
[0086] In one aspect of the invention, as illustrated in FIG. 2,
the retailer system 104 may facilitate instant enrollment in the
system of the invention by a consumer at the point of sale. In an
exemplary embodiment, retailer terminal 108 comprises an input
device, such as any of the devices noted above for example, that is
capable of identifying a retailer loyalty identifier, which is
described in detail above. In this embodiment, when a consumer uses
their retailer loyalty identifier at a retailer point-of-sale
checkout (which may be either at a brick and mortar establishment
or an online retailer Web site) (step 202), the consumer is asked
whether they wish to enroll in the system of the invention (step
204). In an exemplary embodiment, the retailer terminal 108 and/or
the input device which interacts with the retailer loyalty
identifier presents an enrollment query (e.g., "Would you like to
enroll in a networked loyalty program?") and prompts the consumer
(or a retailer employee who may be handling the checkout
transaction) to indicate a response by, for example, selecting
either "Yes or No" in response to the enrollment query. In one
embodiment, the consumer uses the retailer loyalty identifier to
interact with the input device while the consumer's purchases are
being checked-out by the retailer so that pull-through rates are
minimally impacted. For example, the consumer may swipe or scan the
retailer loyalty identifier while the retailer is performing the
checkout process, and therefore the consumer may respond to the
enrollment query substantially without the aid of the retailer
employee who is performing the checkout.
[0087] If the consumer does not wish to participate in the loyalty
program of the invention, the consumer selects "No" in response to
the enrollment query, the negative response is communicated to the
retailer system 104, the retailer regional processor 114, and/or
the central rewards mechanism 102 (step 206), and the checkout
process proceeds as usual (step 208).
[0088] Alternatively, if the consumer wishes to participate in the
loyalty program of the invention, the consumer selects "Yes" in
response to the enrollment query, and the affirmative response is
communicated to the retailer system 104, the retailer regional
processor 114, and/or the central rewards mechanism 102 (step 210).
In this embodiment, the checkout also proceeds as usual (step 212).
However, retailer enrollment data pertaining to the consumer is
communicated from the retailer system 104 (or the retailer regional
processor 114, as described herein with reference to FIG. 4) to the
central rewards mechanism 102 (step 214). For example, retailer
enrollment data, such as, for example, the consumer's name,
address, geographic area information, etc., which the retailer has
previously gathered from the consumer and has processed and stored
for the purpose of enabling the consumer to participate in the
retailers independent loyalty program, is sent from the retailer
system 104 (or the retailer regional processor 114) to the central
rewards mechanism 102.
[0089] At this point, the consumer may be able to establish (or it
may be established by the retailer, the system or other
participant) a main geographic area indicating the "primary" area
in which the consumer wishes to establish for receiving or spending
geographic-based rewards. The consumer may also be able to select a
secondary area for receiving or spending geographic-based rewards.
For example, if the consumer spends most of the year in Chicago,
but the winters in Florida, the consumer may select Chicago as a
primary area and Florida as a secondary area. Furthermore, the
system may offer options to select regions of participation
(similar to wireless phone service areas). The system may
automatically establish the geographic area of the participant
based on the use of, for example, cellular phone caller location
relative to cellular towers or a global positioning system which
may communicate the location (previous or planned locations) of the
participant to the system. For example, the GPS may communicate
that the consumer recently traveled from Maine to New York, so the
system may register the consumer to receive loyalty points in any
city or state along the route.
[0090] Once the central rewards mechanism 102 receives the
enrollment data, the central rewards mechanism 102 then
automatically processes that enrollment data as an enrollment
application for the consumer to participate in the networked
loyalty program of the invention (step 216). The enrollment data
may be communicated from the retailer system 104 (or the retailer
regional processor 114) to the central rewards mechanism 102 by any
known routine or format, such as, for example batch processing or
in real time. The central rewards mechanism then opens a consumer
account, issues a consumer ID, and sends this and other relevant
information about the loyalty program (e.g., general information
about the loyalty program and the manner in which it operates,
information regarding the possibility of opening an aggregate
account and obtaining supplementary member IDs, terms and
conditions of participation in the loyalty program,
geographic-based earn and burn information, etc.) to the consumer
(step 218). At the point-of-sale, however, a temporary consumer
account may be opened and/or a temporary consumer ID is issued to
allow the consumer to participate in the loyalty program while the
consumer is waiting to receive the consumer ID, account information
(including (step 220). This temporary consumer account is
eventually reconciled with the consumer account once it has been
opened to credit the consumer with any rewards points or other
benefits of participation in the loyalty program that may have
accrued while the consumer was awaiting activation of the consumer
account and receipt of the consumer ID.
[0091] This "instant", one-step enrollment functionality simplifies
enrollment in the system of the invention and saves consumers time
by utilizing data that the retailer already has in its possession,
thereby reducing the need for a consumer's active participation in
a separate enrollment process. Such a simplified enrollment process
may lead to higher enrollment completion and participant
acquisition rates as well as lower participant acquisition costs.
Moreover, retailers may enjoy the benefits of consumer enrollment
in the system of the invention without either requiring the
dedication of substantial amounts of retailer space for enrollment
purposes or decreasing checkout pull-through rates.
[0092] In an exemplary embodiment, as illustrated in FIG. 3,
retailer terminal 108 comprises a retailer POS terminal 112, such
as a cash register for example. When a consumer ID or supplementary
member ID is used at the time an item is purchased, purchase data,
including a SKU number, is input, sensed, or otherwise recognized
by terminal 108, and then the purchase data is processed and stored
by retailer processor 110. Retailer processor 110 comprises or is
in communication with a suitable database 111 or other storage
device for maintaining and storing purchase data and any other
suitable retailer information. Database 111 may be any type of
database, such as any of the database products described herein for
example. Database 111 may be organized in any suitable manner,
including as data tables or lookup tables. Purchase data that is
stored in database 111 is available to the retailer's local back
office system (not shown) for inventory, accounting, tax, data
analysis, and other purposes. The captured purchase data may
include the item purchased, the item's unit price, the number of
items purchased, the date, the store location, an employee ID,
geographic area information and any other information related to
the purchase. In an exemplary embodiment, retailer processor 110
may also receive, process, and store manufacturer data, such as
information regarding products and/or services, manufacturer
geographic area information and UPC data, from manufacturers 106
who have enrolled in the system 100. The manufacturer data may be
stored in any suitable form, including data tables or lookup
tables.
[0093] In accordance with the exemplary embodiments illustrated in
FIG. 4, purchase data may also be transmitted to, and then stored
and processed by, a retailer regional processor 114 (or,
alternatively, a retailer national processor (not shown)) in
communication with database 115 for the purpose of further back
office and cumulative data analysis. Database 115 may be any type
of database, such as any of the database products described in
greater detail above for example. Database 115 may be organized in
any suitable manner, including as data tables or lookup tables. In
an exemplary embodiment, retailer processor 110 optionally may be
integrated with retailer regional processor 114 (illustrated by the
phantom lines encompassing Retailer Processor 1 and retailer
regional processor 114 within the system of Retailer/Merchant #2),
thereby forming a single device. In another embodiment, retailer
processor 110 and retailer regional processor 114 are separate
devices which may be either co-located with each other or remotely
located from one another. For example, in one embodiment, retailer
processor 110 and regional processor 114 are co-located at a
particular retail store. In another embodiment, retailer processor
110 is located at a particular retail store and retailer regional
processor 114 is remotely located at a regional office.
[0094] Regardless of the location of retailer regional processor
114, retailer regional processor 114 receives and processes similar
information from each of the retailer processors 110 associated
with each of the retail stores owned by the same retailer. Whether
the system 100 comprises a retailer regional processor 114 or a
retailer national processor may be a function of the number of
stores maintained by a particular retailer. That is, a larger
retailer who has numerous stores throughout the country, for
example, may choose to have a plurality of regional processors,
while a smaller retailer with a few stores scattered across the
country may be better served by a single, national processor. In
exemplary embodiments, the retailer regional processors 114 and/or
national processors communicate with a suitable database 115 or
other storage device which is configured to store and maintain
purchase data and any other suitable retailer information. In
another exemplary embodiment, retailer regional processor 114 may
receive, process, and store manufacturer data, such as information
regarding products and/or services, manufacturer geographic area
information and UPC data, from manufacturers 106 who have enrolled
in the system 100. The manufacturer data may be stored in any
suitable form, including data tables or lookup tables.
[0095] With momentary reference to FIG. 3, retailer terminal 108
may comprise a rewards terminal 116 through which a consumer may be
updated with regard to various aspects of the system. For example,
rewards terminal 116 may inform a consumer of the number of reward
points in a certain geographic area that they have accumulated from
all system participants and the types of awards that may be
obtained using those reward points in a specific geographic area
information. Moreover, rewards terminal 116 may suggest to the
consumer various awards in certain geographic areas for which the
consumer is eligible based upon the reward points generated by the
consumer's network-wide purchases in certain geographic areas. In
this context, network-wide purchases include any purchases of items
corresponding to retailers and/or manufacturers participating in
the system 100 in one or more geographic areas.
[0096] In an exemplary embodiment, rewards terminal 116 operates in
real-time. In this context, "real-time" means that reward points
are immediately, or nearly immediately, updated at the time
purchases are made and are therefore immediately redeemable by the
consumer at a point of sale in a geographic area. Thus, for
example, a consumer may be informed by rewards terminal 116 at the
point of sale that the item being purchased by the consumer may be
purchased using the consumer's accumulated reward points in a
geographic area, including points accumulated on a network level in
the geographic area. Points accumulated on a network level enable
consumers to accumulate points more rapidly than would be possible
if only a single retailer or group of retailers were issuing the
points in the same geographic area. In one embodiment, rewards
terminal 116 may update a consumer's reward points in realtime and,
in response to the consumer's particular points total, issue a
coupon, a gift certificate, and/or additional bonus points to the
consumer for use in a particular geographic area.
[0097] In another exemplary embodiment, the system may operate in
batch mode, wherein points totals are calculated, stored, and
periodically updated for access by the retailer terminal 108,
including POS terminal 112 and/or rewards terminal 116. Thus, in
this embodiment, the consumer may be notified of available points
sometime after a purchase, or a suggestive sale in a geographic
area may take place after a purchase. The total point count or
suggestive sale may take into account points generated and
accumulated as the result of network-wide purchases in a geographic
area.
[0098] In various alternate embodiments of the invention, retailer
terminal 108 may include a rewards terminal 116 but not a POS
terminal 112; a POS terminal 112 but not a rewards terminal 116; or
a POS terminal 112 in communication with a rewards terminal 116. In
alternate embodiments, where terminal 108 includes a POS terminal
112 and a rewards terminal 116, the two terminals 112 and 116 may
be variously implemented as separate terminals, integrated
terminals, or software within a device. In another embodiment,
where terminal 108 comprises a rewards terminal 116 but not a POS
terminal 112, terminal 108 may be a kiosk terminal located within a
retail store or some other remote terminal which is capable of
recognizing a consumer ID or supplementary member ID and
communicating with the system 100. A consumer may use independent
rewards terminal 116 to do, for example, any of the following: view
accumulated reward points totals in a geographic area; view
potential awards which the consumer may obtain in a geographic area
in exchange for various numbers of points; select an award; redeem
reward points for a selected award; request and/or receive a reward
points advisory statement; and/or view a directory of participating
retailers, manufacturers, and third-party providers in a geographic
area.
[0099] In another exemplary embodiment, system 100 further
comprises a consumer terminal 118. Consumer terminal 118 is any
remote terminal through which a consumer may access other aspects
of the system 100. Consumer terminal 118 may comprise any of the
input devices, computing units, or computing systems described
herein. Further, consumer terminal 118 communicates with the system
100 through any of the communications networks described herein.
Consumer terminal 118 may also include, for example, a cellular
phone caller location relative to cellular towers or global
positioning system to automatically determine and communicate
historical or current location information to the system. In one
embodiment, consumer terminal 118 permits a consumer to engage
multiple facets of the system 100 in an interactive online
communications environment. The interactive online environment made
available through consumer terminal 118 is an extension of the
network-level incentive award program and is implemented in
conjunction with other aspects of the system 100. In this context,
a consumer may use consumer terminal 118 for a variety of purposes.
In one embodiment, consumer terminal 118 may be used to communicate
with and receive information from the central rewards mechanism
102. For example, a consumer may use consumer terminal 118 to do
any of the following: communicate geographic area information;
enroll in the system; enroll supplementary members in the system;
identify particular individuals who are authorized to enroll as
supplementary members in association with a primary member's
aggregate consumer account; receive statements or reports regarding
accumulated reward points totals; receive statements or reports
regarding a supplementary member's accumulated reward points
totals; receive bonus details; view potential awards which the
consumer may obtain in exchange for various numbers of points in a
geographic area; select an award in a geographic area; receive
redemption information in a geographic area; view points
adjustments; redeem reward points for a selected award in a
geographic area; request and/or receive a reward points advisory
statement; receive information regarding where and how points were
earned and/or how points were redeemed in the respective geographic
areas; receive information regarding expiration dates for points
earned in a geographic area; receive information relating to any
applicable fees; receive information regarding marketing promotions
in a geographic area; and/or view a directory of participating
retailers, manufacturers, and/or third-party providers in a
geographic area.
[0100] In one embodiment, a consumer may use consumer terminal 118
to customize the online catalog for selective presentation to the
consumer of particularly relevant rewards, rather than the entire
rewards catalog. For example, a consumer may indicate an indicia of
relevance (such as any aspect of the consumer's geographic area,
demographics or profile, products related to or similar to
previously purchased products, the consumer's total accumulated
reward points, and the like), and the system then presents to the
consumer only those catalog items that are relevant to the
consumer. The consumer may select the indicia of relevance by any
means known and practiced in the art, such as by using a pointer in
connection with a drop-down menu, a plurality of icons, or a
plurality of "buttons" for example. This embodiment enables
simplified navigation of the rewards catalog by consumers, thereby
also enabling more expedient reward points redemption.
[0101] In accordance with a further aspect of the invention,
customized bonus offerings may be communicated to the consumer
through an online customized rewards catalog (as described herein),
a customer service representative, email, or offline
communications. In one embodiment, the consumer may use the
consumer terminal 118 to receive bonus offerings that are
customized according to any of the following consumer information:
geographic area, demographics information, purchasing behavior,
reward points earning behavior, and reward points redemption
behavior.
[0102] In another embodiment, consumer terminal 118 may be used to
interact with and/or make purchases and generate reward points from
participating online retailers, as illustrated by the various
phantom lines in FIG. 1. The online retailer may then communicate
with the central rewards mechanism 102 to transmit and process a
consumer ID or supplementary member ID, purchase data, etc., as
described herein with reference to retailer 104 of FIG. 1.
Information communicated between the online consumer, the online
retailer, and the online central rewards mechanism may include, for
example, geographic area information, product or service
information, prices, availability of the product or service,
shipping information, reward points information, available awards,
information regarding points ratios and points redemption, and/or
the like. In one embodiment, consumer terminal 118 operates in
real-time, as described herein with respect to rewards terminal
116. In another embodiment, the consumer terminal 118 may operate
in batch mode, as described herein. In still a further embodiment,
consumer terminal 118 operates in a manner which includes aspects
of both real-time functionality and batch mode functionality.
[0103] In accordance with a further aspect of the invention, the
system 100 may comprise a rewards server 120 in communication with
a database 121, as illustrated in FIG. 3. Database 121 may be any
type of database, such as any of the database products described
herein for example. Database 121 may be organized in any suitable
manner, including as data tables or lookup tables. In an exemplary
embodiment, rewards server 120 may be any hardware and/or software
that is configured to communicate with the central rewards
mechanism 102 and either the retailer processor 110 or the retailer
regional processor 114. In alternate exemplary embodiments, rewards
server 120 may be integrated with retailer system 104; rewards
server 120 may be integrated with central rewards mechanism 102; or
rewards server 120 may be separate from both retailer system 104
and central rewards mechanism 102. In a further embodiment, the
rewards server 120 may communicate with both a retailer national
processor (not shown) and the central rewards mechanism 102.
[0104] In an exemplary embodiment, rewards server 120 receives,
processes, and stores geographic area information, manufacturer
data and retailer data. Manufacturer data may include descriptions
of products and/or services and UPC data transmitted from
manufacturers 106 who have enrolled in the system 100. The
manufacturer data may be stored in any suitable form, including
data tables or lookup tables. Retailer data may include
descriptions of products and/or services and SKU data transmitted
from retailers 104 who have enrolled in the system 100. The
retailer data may be stored in any suitable form, including data
tables or lookup tables.
[0105] In an exemplary embodiment, the rewards server 120 performs
a plurality of functions that might otherwise be performed by the
central rewards mechanism 102. For example, since rewards
calculations require significant processing and memory resources,
performance of calculations processing by the rewards server 120 at
the regional level lessens the processing load on the central
rewards mechanism 102, thereby increasing the efficiency of the
central rewards mechanism 102. In an exemplary embodiment, each
retailer's region, which comprises a plurality of that retailer's
stores or outlets, accesses a rewards server 120 which acts as an
intermediary between the retailer regional processor 114 and the
central rewards mechanism 102. This configuration relieves the
processing, power, memory, and other requirements of the central
rewards mechanism 102. Moreover, each retailer is but one of many
retailers that may participate in the network level rewards
structure. Accordingly, a plurality of rewards servers 120 may be
in communication with the central rewards mechanism 102 as well as
each of the participating retailer regional processors 114, further
alleviating the processing burden and freeing up the resources of
the central rewards mechanism 102.
[0106] Implementations which include at least one independent
rewards server 120 are also advantageous because cost-effective
communications links may be used to facilitate communications with
the central rewards mechanism 102. Performance by the rewards
server 120 of many of the "intelligence functions" of the system
100 permits transmission of only particular forms of purchaser
information to the central rewards mechanism 102. In an exemplary
embodiment, data sent from the rewards server 120 to the central
rewards mechanism 102 may include the geographic area information,
consumer ID or supplementary member ID and the total number of
reward points earned by a consumer in a particular transaction. In
another exemplary embodiment, data transmitted by the rewards
server 120 to the central rewards mechanism 102 may also include
any pre-selected aspect of the consumer profile or supplementary
member profile, any preselected aspect of the purchase data, and/or
any other pre-selected data associated with a consumer, a retailer,
a manufacturer, and/or a third-party provider in a geographic area.
Pre-selection of the types of data transmitted by the rewards
server 120 to the central rewards mechanism 102 may be conducted by
the system administrator, a retailer, a manufacturer, and/or a
third-party provider. Thus, data which may be useful for purposes
of data analysis but unrelated to the rewards feature, such as the
characteristics of the particular item purchased for example, may
not need to be transmitted to the central rewards mechanism
102.
[0107] Exemplary functions performed by the rewards server 120 may
include the association of geographic area information, UPC and SKU
data; manipulation of the rewards criteria applicable in particular
geographic areas, which may further depend upon the retailer,
manufacturer, and/or third-party provider involved in a specific
transaction with a consumer; calculation of rewards benefits earned
by the consumer in a geographic area; filtration functions for
determining which data is transmitted from the rewards server 120
to the central rewards mechanism 102; and/or various types of data
analyses, as described herein. In an exemplary embodiment, the
retailer system 104 houses, maintains, and updates the hardware
and/or software of the rewards server 120. In another embodiment,
rewards server 120 may be housed, maintained, and updated by the
system administrator.
[0108] In accordance with another embodiment of the present
invention, the system 100 permits an open payment system. Since the
invention generally provides that consumer participation in the
system is based upon a consumer ID or supplementary member ID, a
purchaser may use any of multiple payment vehicles (such as cash,
check, charge card, credit card, debit card, MasterCard.RTM.,
Visa.RTM. and/or the American Express.RTM. Card for example) to
make purchases at the various retailers and still participate in
the system. Thus, in one embodiment, geographic area information,
the consumer ID or supplementary member ID is independent of any
particular payment vehicle, such as a credit card for example.
[0109] However, alternate embodiments of the invention may be
implemented which associate a geographic area, consumer ID or
supplementary member ID with a particular payment vehicle, such as
a consumer's credit card account, charge card account, debit card
account, and/or bank account for example. In this embodiment, the
retailer conducting the transaction need only participate in the
system to the extent that the retailer provides its geographic area
or SKU data to the system 100, such as to the rewards server 120.
In other words, when a geographic area, consumer ID or
supplementary member ID is associated with an instrument (e.g., a
credit card) from a third-party provider, the retailer need not
provide a rewards terminal or other terminal capable of processing
the consumer ID or supplementary member ID, since the third-party
provider may process the consumer ID or supplementary member ID as
part of the payment transaction. Thus, in this embodiment, rewards
benefits may be earned by the consumer on a network-wide level in a
geographic area without the retailer's direct participation in the
rewards feature (notwithstanding the retailer's participation in
transmitting SKU data to the system). Moreover, it will be
appreciated that a single geographic area, consumer ID or
supplementary member ID may be associated with multiple third-party
payment vehicles, thereby allowing a consumer to generate reward
points regardless of the particular payment vehicle selected for a
particular purchase.
[0110] With reference to FIG. 5, an exemplary central rewards
mechanism 502 includes a central processor 504 in communication
with other elements of the rewards mechanism 502 through a system
interface or bus 506. A suitable display device/input device 508,
such as a keyboard or pointing device in combination with a
monitor, may be provided for receiving data from and outputting
data to a user of the system. A memory 510 associated with the
rewards mechanism 502 includes various software modules, such as an
enrollment module 512 and an authentication module 514 for example.
The memory 510 preferably further includes an operating system 516
which enables execution by processor 504 of the various software
applications residing at enrollment module 512 and authentication
module 514. Operating system 516 may be any suitable operating
system, as described herein. In one embodiment, a network interface
518 is provided for suitably interfacing with other elements of the
incentive awards system, such as the elements described herein with
reference to FIGS. 1, 3, and 4.
[0111] Lastly, a storage device 520, such as a hard disk drive for
example, preferably contains files or records which are accessed by
the various software modules, such as enrollment module 512 and
authentication module 514. In particular, consumer data 522
comprises information received from a consumer upon registration
with the rewards mechanism 502, including any information
corresponding to geographic area or supplementary members that may
be affiliated with a primary member's aggregate consumer account.
Consumer rewards 524 comprises data corresponding to each
consumer's rewards account, including data corresponding to any
aggregate consumer account and any supplementary members that may
be affiliated with a primary member and/or an aggregate consumer
account. Consumer rewards 524 may include cumulative reward points
totals in a geographic area as well as historical totals and
rewards account activity over time in a geographic area. In one
embodiment, consumer rewards 524 includes cumulative reward points
totals, historical totals, and rewards account activity for
supplementary members affiliated with an aggregate consumer
account. Retailer records 526 comprises information received from
the various participating retailers in a geographic area.
Manufacturer records 528 comprises information received from the
various participating manufacturers in a geographic area. One
skilled in the art will appreciate that the storage device 520 and,
therefore, geographic area information, consumer data 522, consumer
rewards 524, retailer records 526, and manufacturer records 528 may
be co-located with the rewards mechanism 502 or may be remotely
located with respect to the rewards mechanism 502. If the storage
device 520 is remotely located with respect to the rewards
mechanism 502, communication between storage device 520 and rewards
mechanism 502 may be accomplished by any suitable communication
link but is, in one embodiment, accomplished through a private
intranet or extranet.
[0112] Enrollment module 512 receives information from consumers,
retailers, and/or manufacturers who wish to participate in the
system. Enrollment module 512 accesses and stores information in
storage device 520. In one embodiment, enrollment module 512
receives, stores, and accesses data corresponding to geographic
area, primary members and their affiliated supplementary members.
In another embodiment, enrollment module 512 processes enrollment
data received from a retailer system (e.g., retailer system 104,
retailer regional processor 114, or a national retailer processor)
to facilitate instant enrollment of a consumer at a point of sale,
as described herein with reference to FIG. 2. Processing of
enrollment data by enrollment module 512 may include, for example,
associating geographic area information, opening a consumer
account, issuing a consumer ID, and/or reconciling data in a
temporary consumer account with a newly opened consumer
account.
[0113] Authentication and/or validation of the identity and status
of participants, including any of the other system components, may
be performed by the authentication module 514, which may have
access to the records residing in storage device 520. In one
embodiment, authentication module 514 authenticates and/or
validates the geographic area, identity, status, and/or affiliation
of supplementary members participating in the system. The
validation may occur by cross-checking geographic area information
such as, for example, zip code with phone number or zip code with
street address.
[0114] With reference to FIG. 6, an exemplary rewards server 602
includes a central processor 604 in communication with other
elements of the rewards server 602 through a system interface or
bus 606. A suitable display device/input device 608, such as a
keyboard or pointing device in combination with a monitor, may be
provided for receiving data from and outputting data to a user of
the system. A memory 610, which is associated with the rewards
server 602, includes a variety of software modules, such as an
association module 612, a rewards calculation module 614, a data
analysis module 616, and a filtering module 618 for example. The
memory 610 preferably further includes an operating system 620
which enables execution by central processor 604 of the various
software applications residing at the various modules 612, 614,
616, and 618. Operating system 620 may be any suitable operating
system, as described herein. In one embodiment, a network interface
622 is provided for suitably interfacing with other elements of the
incentive awards system, such as the elements described herein with
reference to FIGS. 1, 3, and 4.
[0115] Storage device 624, such as a database as described herein
for example, includes files or records which are accessed by the
various software modules 612, 614, 616, and 618. In particular,
manufacturer data 626 comprises information received from a
manufacturer, such as geographic area information, descriptions or
other information regarding the manufacturer's products and/or
services as well as UPC data for example. Retailer data 628
comprises information received from a retailer, such as geographic
area information, descriptions or other information regarding the
retailer's products and/or services as well as SKU data for
example. Consumer data 630 comprises information pertaining to a
consumer, including a geographic area information, consumer ID or
supplementary member ID, purchase data, a consumer profile or
supplementary member profile, and/or the like. One skilled in the
art will appreciate that the storage device 624 and, therefore,
manufacturer data 626, retailer data 628, and consumer data 630 may
be co-located with the rewards server 602 or may be remotely
located with respect to the rewards server 602. If the storage
device 624 is remotely located with respect to the rewards server
602, communication between storage device 624 and rewards server
602 may be accomplished by any suitable communication link but is
preferably accomplished through a private intranet or extranet.
[0116] Referring next to FIGS. 7 and 8, the process flows depicted
in these figures are merely exemplary embodiments of the invention
and are not intended to limit the scope of the invention as
described herein. It will be appreciated that the following
description makes appropriate reference not only to the steps
depicted in FIGS. 7 and 8 but also to the various system components
as described herein with reference to FIGS. 1, 3, and 4.
[0117] FIG. 7 is flowchart illustrating an exemplary process for
capturing and processing geographic information and POS SKU data in
accordance with the present invention. The association or matching
of geographic area information, UPC and SKU data begins with POS
data capture (step 702). When a consumer presents a consumer ID or
supplementary member ID to a retailer 104 at the time of purchasing
an item from the retailer 104, the consumer ID or supplementary
member ID is processed by a rewards terminal 116 that recognizes
the consumer ID or supplementary member ID, determines appropriate
geographic area information and identifies the consumer as a
participant in the system 100. Purchase data is captured by the
retailer POS terminal 112. Purchase data may include any of the
data types noted above. For example, purchase data may include any
of the following: a SKU number; a unit price; a total transaction
price; the payment vehicle(s) used; a store ID which identifies the
particular store location in a geographic area if a retailer
operates more than one store; a department ID, if the store has
multiple departments; the date of the transaction; the time of the
transaction; the employee ID of the store clerk who facilitates the
transaction; a POS terminal ID to identify the particular terminal
conducting the transaction; any retailer-specific incentive program
ID; and/or the like. The retailer POS terminal 112 creates a
transaction file comprising the geographic area information,
consumer data (including a consumer ID or supplementary member ID)
and purchase data (including a SKU number associated with each item
purchased), and the transaction file is then stored by the retailer
processor 110 in database 111 (step 704).
[0118] The various transaction files may be consolidated by the
retailer processor 110 and then forwarded to the retailer regional
processor 114 (step 706) for further back-office and cumulative
data analysis performed by retailer 104.
[0119] In an exemplary embodiment, the transaction file is
transmitted by either of the retailer processor 110 or the retailer
regional processor 114 to the rewards server 120 (step 708). The
geographic area information and SKU information for each item
included in the transaction file is then matched to or associated
with corresponding UPC information which identifies the related
manufacturer 106. An exemplary association process is illustrated
in the flowchart of FIG. 8. Association of geographic area
information, SKU and UPC data may be accomplished through any data
association technique known and practiced in the art. For example,
the association may be accomplished either manually or
automatically. Automatic association techniques may include, for
example, a database search, a database merge, GREP, AGREP, SQL,
and/or the like.
[0120] In one embodiment, the system is thereby enabled to track
the purchasing behaviors of supplementary members in certain
geographic areas as well as primary members.
[0121] In an exemplary embodiment, the rewards server 120 utilizes
the association information to calculate the reward points in a
geographic area generated by a consumer's purchase. For example, an
appropriate series of pointers leading from geographic area
information to a SKU to a UPC to a manufacturer ID may ultimately
direct the rewards server 120 to employ a 2-for-1 manufacturer
rewards ratio to award a consumer twice as many points as the
dollar amount of the consumer's total transaction price. In another
exemplary embodiment, an appropriate series of pointers may result
in the calculation of reward points based upon multiple rewards
criteria, such as rewards criteria associated with the manufacturer
of the item as well as rewards criteria associated with a
third-party provider in a certain geographic area for example.
[0122] With momentary reference to FIG. 7, in one exemplary
embodiment, the geographic area information, consumer ID or
supplementary member ID and the earned rewards information are
transmitted to the central rewards mechanism 102 after the rewards
server 120 has filtered out consumer data associated with the
consumer ID or supplementary member ID (step 710). In another
embodiment, the central rewards mechanism 102 may use the captured
and matched geographic area information and UPC information to
determine rewards and/or for data analysis.
[0123] In accordance with another aspect of the invention, FIG. 9
is a diagram illustrating an exemplary profiling system 900.
Profiling system 900 may be used to generate and analyze purchaser
profiles. In one embodiment, the purchaser profiles may be used to
effectively market products and services to consumers. For example,
the profiling system 900 permits the cross-selling of goods and
services in a manner that was previously thought to be impractical,
if not impossible. That is, the comprehensive nature of the data
made available through profiling system 900 permits network-wide,
product-level knowledge of a consumer's specific purchasing
patterns across retailers in certain geographic areas. This
knowledge may be used to develop targeted marketing strategies
which can enhance relationships between and among manufacturers,
retailers, and consumers.
[0124] For instance, if a consumer purchases both Product 1 (e.g.,
a digital video disc) and Product 2 (e.g., a compact disc) in a
geographic area in a given month, and if the consumer makes these
purchases using a consumer ID, then profiling system 900 maintains
a record of both these purchases related to the geographic area,
regardless of whether the products were purchased from different
retailers. Appropriate analytics on the data stored by profiling
system 900 may then be used to determine that this consumer may be
a candidate for purchasing similar or related products or services
in a geographic area (e.g., a surround sound audio system in the
case of the examples above). The heightened awareness provided by
profiling system 900 of a consumer's particular situation permits
the use of targeted marketing efforts that present the consumer
with specialized offers or other promotions that are likely to
elicit additional purchases by that consumer. Not only does this
benefit manufacturers and retailers, but the consumer is benefited
by being made aware of promotional offers and/or discounts on
products and services that are in fact relevant to the
consumer.
[0125] In the exemplary embodiment illustrated in FIG. 9, profiling
system 900 comprises a central rewards mechanism 902, a
retailer/merchant system 904, a profiler 906, a profiler interface
922, and an end-user 924. It will be appreciated that the system
900 may comprise any number of retailer systems 904 and any number
of end-users 924. Moreover, it will be appreciated that central
rewards mechanism 902 (and/or any of its sub-components) and
profiler 906 may be separate components or may be integrated to
form a single component. It will also be appreciated that profiler
906 and profiler interface 922 may be separate components or may be
integrated for form a single component.
[0126] The central rewards mechanism 902 is substantially similar
to, and may comprise any of the components of, central rewards
mechanism 102 and/or central rewards mechanism 502, as described
herein with reference to FIGS. 1, 3, 4, and 5. Moreover, central
rewards mechanism 902 may be configured to include any of the
functionality described herein with reference to central rewards
mechanism 102 and/or central rewards mechanism 502. In particular,
central rewards mechanism 902 comprises an enrollment module 912,
which is substantially similar to enrollment module 512 of FIG. 5,
and a storage device 920, which is substantially similar to storage
device 520 of FIG. 5. In one embodiment, enrollment module 912
receives consumer enrollment data from consumers and then processes
and transmits the consumer enrollment data to storage device 920
for storage and future retrieval.
[0127] In an exemplary embodiment, the retailer system 904
comprises a retailer terminal 908 and a retailer processor 910. The
retailer processor 910 may be in communication with a database 911.
The retailer system 904 is substantially similar to, and may
comprise any of the components of, retailer system 104, as
described herein with reference to FIGS. 1, 3, and 4. Moreover,
retailer system 904 may be configured to include any of the
functionality described herein with reference to retailer system
104. Retailer terminal 908 is substantially similar to, and may
comprise any of the components and/or functionality of, retailer
terminal 108; retailer processor 910 is substantially similar to,
and may comprise any of the components and/or functionality of,
retailer processor 110; and database 911 is substantially similar
to, and may comprise any of the components and/or functionality of,
database 111.
[0128] As described in detail above with reference to retailer
terminal 108, the retailer terminal 908 records consumer purchases
in a geographic area, either online (such as at a merchant web site
for example) or offline (such as at a retailer store for example),
and then transmits the purchase data to retailer processor 910.
Retailer processor 910 processes and suitably stores the purchase
data. Retailer processor 910 is in communication with a suitable
database 911 or other storage device for maintaining and storing
purchase data and/or any other suitable retailer information.
[0129] In one embodiment, profiler 906 comprises a data conditioner
914, a data analytics module 916, and a detail database 918. As
illustrated in FIG. 10, an exemplary profiler 906 further includes
a processor 926 in communication with other elements of profiler
906 through an interface or bus 928. A suitable display/input
device 930, such as a keyboard or pointing device in combination
with a monitor, may be provided for receiving data from and
outputting data to a user of profiler 906. A memory 932 associated
with profiler 906 includes a data conditioner 914 and an analytics
module 916. Memory 932 preferably further includes an operating
system 934 which enables execution by processor 926 of the software
applications residing at data conditioner 914 and analytics module
916. Operating system 934 may be any suitable operating system, as
described herein. The detail database 918 may be any type of
database, such as relational, hierarchical, object-oriented, and/or
the like. Common database products that may be used to implement
database 918 include DB`by IBM (White Plains, N.Y.), any of the
database products available from Oracle Corporation (Redwood
Shores, Calif.), any of the database products available from
Sybase, Inc. (Emeryville, Calif.), Microsoft Access by Microsoft
Corporation (Redmond, Wash.), or any other database product. In one
embodiment, a network interface 936 is provided for interfacing the
profiler 906 with other elements of the profiling system 900,
described herein with reference to FIG. 9.
[0130] With reference once again to FIG. 9, profiling system 900
further includes a profiler interface 922 and an end-user 924.
Profiler interface 922 may comprise any device or system that
permits access to data that is maintained and/or generated by
profiler 906. In one embodiment, profiler interface 922 permits an
end-user 924 to access profiler 906 and retrieve data maintained or
generated by profiler 906. End-user 924 may include any person,
entity, charitable organization, machine, software, hardware,
and/or the like that may seek access to data that is maintained
and/or generated by profiler 906. In one embodiment, end-user 924
may be any of a retailer, a manufacturer, a consumer, or a
third-party provider. In another embodiment, the end-user 924 may
be the system administrator.
[0131] Communication between an end-user 924 and profiler interface
922 may be accomplished through any suitable communication means,
such as any of the means described in detail above, for example. In
an exemplary embodiment, profiler interface 922 is a web interface
which comprises a web server that enables an end-user 924 to
communicate with profiler interface 922 via a suitable
communications link, such as the Internet, for example, to access
data residing at profiler 906. In another embodiment, profiler
interface 922 includes an authentication module (not shown) which
authenticates and/or validates the identity and status of end-users
924 who seek access to profiler 906. The authentication module may
have access to a suitable storage device, such as a database for
example, which maintains records identifying authorized end-users
924.
[0132] As will be described in greater detail herein, profiling
system 900 may optionally include a rewards server 938 (illustrated
in FIG. 9 by phantom lines which represent that it is optional).
The rewards server 938 is substantially similar to, and may
comprise any of the components and/or functionality of, rewards
server 120 and/or 602, as described herein with reference to FIGS.
3, 4, and 6. If used, rewards server 938 receives a transaction
file (i.e., purchase data (including a retailer item identifier,
such as a SKU for example) resulting from a consumer transaction)
from the retailer system 904 and standardizes the transaction file
by associating the retailer item identifier with a corresponding
manufacturer item identifier (e.g., a UPC). By translating or
converting SKU data into corresponding UPC data, the goods and/or
services that are part of each consumer transaction are
characterized in a uniform manner that facilitates data analysis,
regardless of the number of participating retailers. It will be
appreciated that, if used, the rewards server 938 may be a separate
component from profiler 906 or may be integrated with profiler
906.
[0133] In another embodiment of profiling system 900, profiler 906
may optionally comprise a warranty module 940 (illustrated in FIG.
9 by phantom lines which represent that it is optional). In this
embodiment, the warranty module may be used to search detail
database 918 for purchase data relating to manufacturers"
warranties in a geographic area. In one embodiment, a consumer who
has purchased a product that has a manufacturer's warranty may be
informed by profiler 906, via profiler interface 922 and a suitable
communications link (such as through email over the Internet for
example), of any available opportunities to purchase an extended
warranty plan in a geographic area. In another embodiment, a
consumer may be informed by profiler 906 of any available
opportunities to purchase an extended warranty plan for a product
in a geographic area whose manufacturer's warranty is about to
expire.
[0134] Referring next to FIGS. 11 and 12, the process flows
depicted in these figures are exemplary embodiments of the
invention and are not intended to limit the scope of the invention
as described herein. It will be appreciated that the following
description makes appropriate reference not only to the steps
depicted in FIGS. 11 and 12 but also to the various system
components as described herein with reference to FIGS. 9 and
10.
[0135] FIG. 11 is flowchart illustrating an exemplary process for
generating a purchaser profile for a consumer or a group of
consumers. Generating a purchaser profile begins with enrolling a
consumer in the system of the invention (step 1102). As described
herein, enrollment is accomplished by central rewards mechanism
902. That is, enrollment module 912 receives and processes the
consumer enrollment data, facilitates issuance of a consumer ID to
the consumer, and transmits the consumer enrollment data to storage
device 920. In this context, the term "consumer ID" shall be
understood to include "supplementary member ID". After a consumer
is enrolled in the system, the consumer may use the consumer ID
during a transaction with a retailer system 904.
[0136] When a consumer uses a consumer ID, the consumer ID and
geographic area information, together with the purchase data
associated with the retailer transaction in a geographic area, is
captured at the point-of-sale (step 1104). That is, when a consumer
presents a consumer ID to a retailer 904 at the time of purchasing
an item from the retailer 904, the consumer ID and geographic area
information is processed by a rewards terminal 908 that recognizes
the consumer ID and identifies the consumer as a participant in the
system. 900 in a geographic area. Purchase data is then captured by
the retailer terminal 908. Purchase data may include any of the
data types noted herein. For example, purchase data may include any
of the following: geographic area information, a SKU number; a unit
price; a total transaction price; the payment vehicle(s) used; a
store ID which identifies the particular store location if a
retailer operates more than one store; a department ID, if the
store has multiple departments; the date of the transaction; the
time of the transaction; the employee ID of the store clerk who
facilitates the transaction; a retailer terminal ID to identify the
particular terminal conducting the transaction; any
retailer-specific incentive program ID; any product warranty that
may apply, as well as the terms of the warranty; and/or the like.
The retailer terminal 908 creates and processes a transaction file
comprising consumer-identifying data (i.e., the consumer ID) and
purchase data (including a SKU number associated with each item
purchased) (step 1106). The transaction file may then be stored by
the retailer processor 910 in database 911.
[0137] Optionally, the transaction file may be transmitted by the
retailer system 904 to the rewards server 938 (step 1108). (Steps
1108 through 1114 are illustrated in phantom lines in FIG. 11 to
represent that these steps are optional.) In this embodiment, the
transaction file is standardized by matching or associating the SKU
information for each item included in the transaction file with
corresponding UPC information which identifies the manufacturer of
the item and/or a general description of the goods or services
(step 1110). Association of SKU and UPC data may be accomplished
through any data association technique known and practiced in the
art. For example, the association may be accomplished either
manually or automatically. Automatic association techniques may
include, for example, a database search, a database merge, GREP,
AGREP, SQL, and/or the like. An exemplary method for associating
SKU and UPC data is described herein with reference to FIG. 8. In
this embodiment, after the rewards server 938 associates the SKU
and UPC data, the rewards server 938 modifies or standardizes that
transaction file by including the UPC data (step 1112) and then
transmits the standardized transaction file to the profiler 906
(step 1114). In one embodiment, the rewards server 938 transmits
the standardized transaction file to the data conditioner 914.
[0138] In an alternate embodiment, the transaction file is
transmitted by the retailer system 904 to the profiler 906 (step
1116). In one embodiment, the transaction file is transmitted by
retailer system 904 to the data conditioner 914. In this
embodiment, after data conditioner 914 has received the transaction
file, data conditioner 914 standardizes the transaction file (step
1118). Since a given retailer will identify a product/service by an
SKU that is relevant only to that retailer, it is useful to
identify and characterize products and services in a uniform manner
across retailers. Such standardization facilitates data analysis
across retailers, permits increased sophistication in the types of
analyses that may be performed, and/or enhances the richness of the
information derived from such analyses.
[0139] In one embodiment, data conditioner 914 standardizes the
transaction file by associating geographic area information, SKU
and UPC data in a manner similar to that described herein with
reference to rewards server 938.
[0140] In another embodiment, as illustrated in FIG. 12, the data
conditioner 914 standardizes the transaction file by deriving a
standard identifier from a SKU lookup table which is stored in a
suitable database, such as detail database 918 for example. In an
exemplary embodiment, the SKU lookup table is created when detail
database 918 receives and stores retailer data, such as SKU and
related product or service data, for example, transmitted to the
detail database 918 by retailer system 904 (step 1202). In an
exemplary implementation, detail database 918 stores retailer data
in a separate retailer data table for each participating retailer
system 904. Each retailer data table may comprise a plurality of
fields, such as "geographic information", "SKU" and "product
description", for example, and a plurality of records, each record
corresponding to an item offered by a participating retailer 904.
For each record stored in the retailer data table, detail database
918 then generates, assigns, and stores as part of the record a
standard identifier (step 1204). The standard identifier uniquely
identifies an item stored in the data table and is linked to the
SKU and/or geographic area information that is also associated with
that item (step 1206). The standard identifier may be any suitable
identifier, such as a number, a code, an alphanumeric identifier,
etc., that may be used to uniquely designate or identify an item in
the SKU lookup table. In an exemplary embodiment, the "geographic
area information", "SKU" and "standard identifier" fields in the
SKU data table may be linked by an appropriate pointer.
[0141] The SKU lookup table is then used by data conditioner 914 to
derive a standard identifier that corresponds to the specific
product or service represented by the particular retailer"` SKU
number in the transaction file. Thus, when the data conditioner 914
receives the transaction file, the data conditioner 914 searches
the SKU lookup table for the appropriate SKU number. That is, when
the data conditioner 914 searches the SKU lookup table and locates
the particular SKU that has been captured and transmitted by the
retailer system 904, the specifically identified SKU data field
uses a pointer to direct the data conditioner 914 to the standard
identifier data field that corresponds to that SKU number (step
1208). After data conditioner 914 derives a standard identifier for
each item included in the transaction file, the standard identifier
is then linked to, or stored as a part of, the transaction file
(step 1210).
[0142] As mentioned previously, while the SKU is an identifier that
is defined by a particular retailer in a geographic area and has
little meaning outside the retailer system 904, the standard
identifier is used to characterize a particular product or service
in a geographic area across multiple retailers. For example, if SKU
1 is used by Retailer 1 to identify Product A, and if SKU 2 is used
by Retailer 2 to identify Product A, Product A is identified by a
single Standard Identifier by profiler 906, regardless of the
retailer system 904 from which the transaction file containing data
on Product A originated. The SKU lookup table may be maintained by
the system administrator and updated periodically with information
received from the retailer systems 904.
[0143] In another embodiment, the retailer system 904 standardizes
the transaction file prior to transmitting the transaction file to
the profiler 906. In one embodiment, retailer system 904
standardizes the transaction file by associating geographic area
information, SKU and UPC data, as described herein with reference
to rewards server 938. In another embodiment, retailer system 904
standardizes the transaction file by using a SKU lookup table, as
described herein with reference to FIG. 12. After standardizing the
transaction file, the retailer system 904 transmits the
standardized transaction file to profiler 906. Whether transmitted
to reward server 938 or profiler 906, a transaction file, whether
or not it has been standardized prior to transmission, may be
transmitted from retailer system 904 either as part of a periodic
batch process or in real time as each transaction occurs.
[0144] Referring once again to FIG. 11, after the transaction file
has been standardized, either by rewards server 938 or data
conditioner 914, detail database 918 receives the standardized
transaction file and queries whether the consumer associated with
the transaction file already has an established record in the
detail database 918 (step 1120). If the consumer associated with
the transaction file already has an established record in detail
database 918, as determined by a search of detail database 918 by
data conditioner 914 for the consumer ID contained in the
transaction file, then data conditioner 914 writes the newly
obtained transaction file to the established record in detail
database 918 (step 1122), thereby updating the consumer's record to
reflect the additional purchases. This updated record may then be
used by analytics module 916 to generate a purchaser profile, as
described in greater detail below (step 1130).
[0145] If the consumer associated with the transaction file does
not have an established record in detail database 918, as
determined by data conditioner 914 based upon a search of detail
database 918, then data conditioner 914 creates a new record in
detail database 918 for the standardized transaction file (step
1124). The data conditioner 914 then merges consumer enrollment
data stored by central rewards mechanism 902 with the standardized
transaction file. That is, for each standardized transaction file
that is written to detail database 918 as a new record, data
conditioner 914 requests and receives consumer enrollment data from
central rewards mechanism 902 (step 1126). The request identifies
the consumer ID associated with the transaction file and asks that
consumer enrollment data associated with the consumer ID be
transmitted from the central rewards mechanism 902 to data
conditioner 914. The central rewards mechanism 902 retrieves the
appropriate consumer enrollment data file from storage device 920
and then transmits the consumer enrollment data to data conditioner
914. Data conditioner 914 then merges the consumer enrollment data
with the standardized transaction file contained in the newly
created record in detail database 918 (step 1128).
[0146] The standardized transaction file and the consumer
enrollment data may be merged by any suitable database merge
function, such as by using a "key field"(as described herein)
within each of the records stored in storage device 920 and detail
database 918. In one embodiment, the standardized transaction file
and the consumer enrollment data are merged using a key field which
corresponds to a consumer ID data field.
[0147] Analytics module 916 generates purchaser profiles by
accessing and using the data in detail database 918 (step 1130). As
will be appreciated, any known methods for performing data
analysis, analytics, econometrics, modeling, data mining, marketing
analyses, etc., may make use of the combined consumer enrollment
data and purchase data stored in detail database 918. Analytics
module 916 may generate purchaser profiles in the form of reports,
summary data sheets, spread sheets, graphical output, combinations
of these, and/or the like. The purchaser profiles may be stored by
detail database 918, viewed on a display screen (e.g., display
device 930), printed, transmitted to an end-user 924, and/or the
like.
[0148] An end-user 924 can access profiler 906 through profiler
interface 922. In one embodiment, an end-user 924 may be enabled to
use profiler interface 922 to accomplish one or more of the
following which may be further divided or grouped by geographic
area information: (1) use analytics module 916 to run analytics on
any of (or selected parts of) the data stored in detail database
918; (2) use analytics module 916 to run analytics on summary data
that is stored in detail database 918; (3) access detail database
918, download particular data to the end-user's system, and run
specific end-user analytics (i.e., analytics which reside at
end-user 924) to generate custom purchaser profiles based upon an
end-user's particular requirements; and/or (4) access reports,
summary data sheets, spread sheets, graphical output, combinations
of these, and/or the like that are generated by analytics module
916 and stored by detail database 918.
[0149] It will be appreciated that the system 900 may be adapted to
implement a suitable privacy policy which protects the personal
information of participating consumers. That is, the system 900 may
limit access to the data, or portions of the data, in a purchaser
profile that is made available to end-users 924 by profiler 906,
depending upon the identity of end-user 924 and/or the wishes of a
particular consumer. For example, the system 900 may, prior to
enrolling a consumer, give the consumer appropriate notification
regarding any and all potential disclosures of consumer enrollment
data and/or purchase data and/or data residing in a purchaser
profile that has been generated by the system. Moreover, the system
may permit the consumer to identify the types of data that the
consumer does not authorize the system to disclose to end-users 924
and/or to identify the types of end-users 924 whom the consumer
does not wish to grant access to data regarding that consumer.
[0150] The detailed description of exemplary embodiments of the
invention herein makes reference to the accompanying drawings and
pictures, which show the exemplary embodiment by way of
illustration and its best mode. While these exemplary embodiments
are described in sufficient detail to enable those skilled in the
art to practice the invention, it should be understood that other
embodiments may be realized and that logical and mechanical changes
may be made without departing from the spirit and scope of the
invention. Thus, the detailed description herein is presented for
purposes of illustration only and not of limitation. For example,
the steps recited in any of the method or process descriptions may
be executed in any order and are not limited to the order
presented.
[0151] For the sake of brevity, conventional data networking,
application development and other functional aspects of the systems
(and components of the individual operating components of the
systems) may not be described in detail herein. Furthermore, the
connecting lines shown in the various figures contained herein are
intended to represent exemplary functional relationships and/or
physical couplings between the various elements. It should be noted
that many alternative or additional functional relationships or
physical connections may be present in a practical electronic
transaction system.
[0152] The various system components discussed herein may include
one or more of the following: a host server or other computing
systems including a processor for processing digital data; a memory
coupled to said processor for storing digital data; an input
digitizer coupled to the processor for inputting digital data; an
application program stored in said memory and accessible by said
processor for directing processing of digital data by said
processor; a display device coupled to the processor and memory for
displaying information derived from digital data processed by said
processor; and a plurality of databases. Various databases used
herein may include: client data; merchant data; financial
institution data; and/or like data useful in the operation of the
present invention. As those skilled in the art will appreciate,
user computer may include an operating system (e.g., Windows NT,
95/98/2000, Linux, Solaris, etc.) as well as various conventional
support software and drivers typically associated with computers.
User computer can be in a home or business environment with access
to a network. In an exemplary embodiment, access is through the
Internet through a commercially-available web-browser software
package.
[0153] Communication among the parties in accordance with the
present invention may be accomplished through any suitable
communication protocols, such as, for example, a telephone network,
Intranet, Internet, point of interaction device (point of sale
device, personal digital assistant, cellular phone, kiosk, etc.),
online communications, off-line communications, wireless
communications, transponder communications, local area network
(LAN), wide area network (WAN), networked or linked devices and/or
the like. One skilled in the art will also appreciate that, for
security reasons, any databases, systems, devices, servers or other
components of the present invention may consist of any combination
thereof at a single location or at multiple locations, wherein each
database or system includes any of various suitable security
features, such as firewalls, access codes, encryption, decryption,
compression, decompression, and/or the like.
[0154] Any databases discussed herein may be any type of database,
such as relational, hierarchical, graphical, object-oriented,
and/or other database configurations. Common database products that
may be used to implement the databases include DB`by IBM (White
Plains, N.Y.), various database products available from Oracle
Corporation (Redwood Shores, Calif., Microsoft Access or MSSQL by
Microsoft Corporation (Redmond, Wash.), or any other suitable
database product. Moreover, the databases may be organized in any
suitable manner, for example, as data tables or lookup tables. Each
record may be a single file, a series of files, a linked series of
data fields or any other data structure. Association of certain
data may be accomplished through any desired data association
technique such as those known or practiced in the art. For example,
the association may be accomplished either manually or
automatically. Automatic association techniques may include, for
example, a database search, a database merge, GREP, AGREP, SQL,
and/or the like. The association step may be accomplished by a
database merge function, for example, using a "key field" in
preselected databases or data sectors.
[0155] More particularly, a "key field" partitions the database
according to the high-level class of objects defined by the key
field. For example, certain types of data may be designated as a
key field in a plurality of related data tables and the data tables
may then be merged on the basis of the type of data in the key
field. In this regard, the data corresponding to the key field in
each of the merged data tables is preferably the same or of the
same type. However, data tables having similar, though not
identical, data in the key fields may also be merged by using
AGREP, for example.
[0156] The computers discussed herein may provide a suitable
website or other Internet-based graphical user interface which is
accessible by participants. In one embodiment, the Internet
Information Server, Microsoft Transaction Server, and Microsoft SQL
Server, are used in conjunction with the Microsoft operating
system, Microsoft NT web server software, a Microsoft SQL database
system, and a Microsoft Commerce Server. Additionally, components
such as Access or SQL Server, Oracle, Sybase, Informix MySQL,
Interbase, etc., may be used to provide an ADO-compliant database
management system.
[0157] The term "webpage" as it is used herein is not meant to
limit the type of documents and applications that might be used to
interact with the user. For example, a typical website might
include, in addition to standard HTML documents, various forms,
Java applets, Javascript, active server pages (ASP), common gateway
interface scripts (CGI), extensible markup language (XML), dynamic
HTML, cascading style sheets (CSS), helper applications, plug-ins,
and the like. A server may include a webservice which receives a
request from a browser which includes a URL
(http://yahoo.com/stockquotes/ge) and an IP address (123.56.789).
The webservice retrieves the appropriate webpages and sends the
webpages to the IP address.
[0158] The present invention may be described herein in terms of
functional block components, screen shots, optional selections and
various processing steps. It should be appreciated that such
functional blocks may be realized by any number of hardware and/or
software components configured to perform the specified functions.
For example, the present invention may employ various integrated
circuit components, e.g., memory elements, processing elements,
logic elements, look-up tables, and the like, which may carry out a
variety of functions under the control of one or more
microprocessors or other control devices. Similarly, the software
elements of the present invention may be implemented with any
programming or scripting language such as C, C++, Java, COBOL,
assembler, PERL, Visual Basic, SQL Stored Procedures, extensible
markup language (XML), with the various algorithms being
implemented with any combination of data structures, objects,
processes, routines or other programming elements. Further, it
should be noted that the present invention may employ any number of
conventional techniques for data transmission, signaling, data
processing, network control, and the like. Still further, the
invention may include cryptography. For a basic introduction of
cryptography and network security, the following may be helpful
references: (1) "Applied Cryptography: Protocols, Algorithms, And
Source Code In C," by Bruce Schneier, published by John Wiley &
Sons (second edition, 1996); (2) "Java Cryptography" by Jonathan
Knudson, published by O'Reilly & Associates (1998); (3)
"Cryptography & Network Security: Principles & Practice" by
William Stalling, published by Prentice Hall; all of which are
hereby incorporated by reference.
[0159] It will be appreciated, that many applications of the
present invention could be formulated. One skilled in the art will
appreciate that the network may include any system for exchanging
data or transacting business, such as the Internet, an intranet, an
extranet, WAN, LAN, satellite communications, and/or the like. It
is noted that the network may be implemented as other types of
networks, such as an interactive television (ITV) network. The
parties may interact with the system via any input device such as a
keyboard, mouse, kiosk, personal digital assistant, handheld
computer (e.g., Palm Pilot.RTM.), cellular phone and/or any
suitable communication or data input modality. Similarly, the
invention could be used in conjunction with any suitable personal
computer, network computer, workstation, minicomputer, mainframe,
or the like running any operating system such as any version of
Windows, Windows NT, Windows2000, Windows 98, Windows 95, MacOS,
OS/2, BeOS, Linux, UNIX, Solaris or the like. Moreover, although
the invention is frequently described herein as being implemented
with TCP/IP communications protocols, the invention may also be
implemented using IPX, Appletalk, IP-6, NetBIOS, OSI or any number
of existing or future protocols. Moreover, the system contemplates
the use, sale or distribution of any goods, services or information
over any network having similar functionality described herein.
[0160] The computing units may be connected with each other via a
data communication network. If the network is in the nature of a
public network, it may be advantageous to presume the network to be
insecure and open to eavesdroppers. In the illustrated
implementation, the network may comprise the Internet. In this
context, the computers may or may not be connected to the internet
at all times. For instance, the customer computer may employ a
modem to occasionally connect to the internet, whereas the bank
computing center may maintain an intermittent or permanent
connection to the internet. Specific information related to the
protocols, standards, and application software utilized in
connection with the Internet is generally known to those skilled in
the art and, as such, need not be detailed herein. See, for
example, Dilip Naik, "Internet Standards and Protocols" (1998);
"Java 2 Complete", various authors, (Sybex 1999); Deborah Ray and
Eric Ray, "Mastering HTML 4.0" (1997); and Loshin, "TCP/IP Clearly
Explained" (1997), the contents of which are hereby incorporated by
reference.
[0161] The various system components may be suitably coupled to the
network via data links including a variety of communications media
and protocols such as, for example, a connection to an Internet
Service Provider (ISP) over the local loop as is typically used in
connection with standard modem communication, cable modem, Dish
networks, ISDN, Digital Subscriber Line (DSL), or various wireless
communication methods. The system components may independently,
separately or collectively reside within a local area network (LAN)
which interfaces to network via a leased line (T1, D3, etc.) or
other desired communication methods. See, e.g., Gilbert Held,
"Understanding Data Communications" (1996), hereby incorporated by
reference.
[0162] As used herein, the term "end user", "consumer", "customer",
"cardmember", "business" or "merchant" may be used interchangeably
with each other, and each shall mean any person, entity, machine,
hardware, software or business. A bank may be part of the system,
but the bank may represent other types of card issuing
institutions, such as credit card companies, card sponsoring
companies, or third party issuers under contract with financial
institutions. It is further noted that other participants may be
involved in some phases of the transaction, such as an intermediary
settlement institution, but these participants are not shown.
[0163] Each participant is equipped with a computing device to
facilitate online commerce transactions. The customer has a
computing unit in the form of a personal computer, although other
types of computing units may be used including laptops, notebooks,
hand held computers, set-top boxes, touch-tone telephones and the
like. The merchant has a computing unit implemented in the form of
a computer-server, although other implementations are contemplated
by the invention. The bank has a computing center shown as a main
frame computer. However, the bank computing center may be
implemented in other forms, such as a mini-computer, a PC server, a
network of computers, or the like.
[0164] The merchant computer and the bank computer may be
interconnected via a second network, referred to as a payment
network. The payment network which may be part of certain
transactions represents existing proprietary networks that
presently accommodate transactions for credit cards, debit cards,
and other types of financial/banking cards. The payment network is
a closed network that is assumed to be secure from eavesdroppers.
Exemplary transaction networks may include the American
Express.RTM., VisaNet.RTM. and the Veriphone.RTM. networks.
[0165] The electronic commerce system may be implemented at the
customer and issuing bank. In an exemplary implementation, the
electronic commerce system is implemented as computer software
modules loaded onto the customer computer and the banking computing
center. The merchant computer does not require any additional
software to participate in the online commerce transactions
supported by the online commerce system.
[0166] An "account" or "account number", as used herein, may
include any device, code, number, letter, symbol, digital
certificate, smart chip, digital signal, analog signal, biometric
or other identifier/indicia suitably configured to allow the
consumer to access, interact with or communicate with the system
such as, for example, one or more of an authorization/access code,
personal identification number (PIN), Internet code, other
identification code, and/or the like which may optionally be
located on or associated with a rewards card, charge card, credit
card, debit card, prepaid card, telephone card, smart card,
magnetic stripe card, bar code card, transponder, radio frequency
card or an associated account. The account number may be
distributed and stored in any form of plastic, electronic,
magnetic, radio frequency, wireless, audio and/or optical device
capable of transmitting or downloading data from itself to a second
device. A customer account number may be, for example, a
sixteen-digit credit card number, although each credit provider has
its own numbering system, such as the fifteen-digit numbering
system used by American Express. Each company's credit card numbers
comply with that company's standardized format such that the
company using a sixteen-digit format will generally use four spaced
sets of numbers, as represented by the number "0000 0000 0000
0000". The first five to seven digits are reserved for processing
purposes and identify the issuing bank, card type, etc. In this
example, the last (sixteenth) digit is used as a sum check for the
sixteen-digit number. The intermediary eight-to-ten digits are used
to uniquely identify the customer. A merchant account number may
be, for example, any number or alpha-numeric characters that
identifies a particular merchant for purposes of card acceptance,
account reconciliation, reporting, or the like.
[0167] As will be appreciated by one of ordinary skill in the art,
the present invention may be embodied as a method, a data
processing system, a device for data processing, and/or a computer
program product. Accordingly, the present invention may take the
form of an entirely software embodiment, an entirely hardware
embodiment, or an embodiment combining aspects of both software and
hardware. Furthermore, the present invention may take the form of a
computer program product on a computer-readable storage medium
having computer-readable program code means embodied in the storage
medium. Any suitable computer-readable storage medium may be
utilized, including hard disks, CD-ROM, optical storage devices,
magnetic storage devices, and/or the like.
[0168] The present invention is described herein with reference to
screen shots, block diagrams and flowchart illustrations of
methods, apparatus (e.g., systems), and computer program products
according to various aspects of the invention. It will be
understood that each functional block of the block diagrams and the
flowchart illustrations, and combinations of functional blocks in
the block diagrams and flowchart illustrations, respectively, can
be implemented by computer program instructions. These computer
program instructions may be loaded onto a general purpose computer,
special purpose computer, or other programmable data processing
apparatus to produce a machine, such that the instructions which
execute on the computer or other programmable data processing
apparatus create means for implementing the functions specified in
the flowchart block or blocks.
[0169] These computer program instructions may also be stored in a
computer-readable memory that can direct a computer or other
programmable data processing apparatus to function in a particular
manner, such that the instructions stored in the computer-readable
memory produce an article of manufacture including instruction
means which implement the function specified in the flowchart block
or blocks. The computer program instructions may also be loaded
onto a computer or other programmable data processing apparatus to
cause a series of operational steps to be performed on the computer
or other programmable apparatus to produce a computer-implemented
process such that the instructions which execute on the computer or
other programmable apparatus provide steps for implementing the
functions specified in the flowchart block or blocks.
[0170] Accordingly, functional blocks of the block diagrams and
flowchart illustrations support combinations of means for
performing the specified functions, combinations of steps for
performing the specified functions, and program instruction means
for performing the specified functions. It will also be understood
that each functional block of the block diagrams and flowchart
illustrations, and combinations of functional blocks in the block
diagrams and flowchart illustrations, can be implemented by either
special purpose hardware-based computer systems which perform the
specified functions or steps, or suitable combinations of special
purpose hardware and computer instructions.
[0171] For more information on loyalty systems, transaction
systems, electronic commerce systems and digital wallet systems,
see, for example, U.S. patent application Ser. No. 09/836,213,
filed on Apr. 17, 2001, by inventors Voltmer, et al., and entitled
"System And Method For Networked Loyalty Program"; U.S.
Continuation-In-Part patent application Ser. No. 10/027,984, was
filed on Dec. 20, 2001, by inventors Ariff, et al., and entitled
"System And Method For Networked Loyalty Program"; U.S.
Continuation-In-Part patent application Ser. No. 10/010,947, filed
on Nov. 6, 2001, by inventors Haines, et al., and entitled "System
And Method For Networked Loyalty Program"; U.S.
Continuation-In-Part patent application Ser. No. 10/084,744, filed
on Feb. 26, 2002, by inventors Bishop, et al., and entitled "System
And Method For Securing Data Through A PDA Portal"; the Shop
AMEX.TM. system disclosed in U.S. Patent Application Ser. No.
60/230,190, filed Sep. 5, 2000; the MR as Currency.TM. and Loyalty
Rewards Systems disclosed in U.S. Patent Application Ser. No.
60/197,296, filed on Apr. 14, 2000; U.S. Patent Application Ser.
No. 60/200,492, filed Apr. 28, 2000; U.S. Patent Application Ser.
No. 60/201,114, filed May 2, 2000; the digital wallet system
disclosed in U.S. patent application Ser. No. 09/652,899, filed
Aug. 31, 2000; the stored value card disclosed in U.S. patent
application Ser. No. 09/241,188, filed Feb. 1, 1999; the system for
facilitating transactions using secondary transaction numbers
disclosed in U.S. patent application Ser. No. 09/800,461, filed
Mar. 7, 2001; and also in related U.S. Provisional Patent
Application Ser. No. 60/187,620, filed Mar. 7, 2000; U.S.
Provisional Patent Application Ser. No. 60/200,625, filed Apr. 28,
2000; U.S. Ser. No. 09/834,478, filed on Apr. 13, 2001 by Chien, et
al., and entitled "System And Method For Using Loyalty Points," and
U.S. Provisional Patent Application Ser. No. 60/213,323, filed May
22, 2000, all of which are herein incorporated by reference. Other
examples of online membership reward systems are disclosed in
Netcentives, U.S. Pat. No. 5,774,870, issued on Jun. 30, 1998, and
U.S. Pat. No. 6,009,412, issued on Dec. 29, 1999, both of which are
hereby incorporated by reference.
[0172] Benefits, other advantages, and solutions to problems have
been described herein with regard to specific embodiments. However,
the benefits, advantages, solutions to problems, and any element(s)
that may cause any benefit, advantage, or solution to occur or
become more pronounced are not to be construed as critical,
required, or essential features or elements of any or all the
claims or the invention. As used herein, the terms "comprises",
"comprising", or any other variation thereof, are intended to cover
a non-exclusive inclusion, such that a process, method, article, or
apparatus that comprises a list of elements does not include only
those elements but may include other elements not expressly listed
or inherent to such process, method, article, or apparatus.
Further, no element described herein is required for the practice
of the invention unless expressly described as "essential" or
"critical".
[0173] In the foregoing specification, the invention has been
described with reference to specific embodiments. However, it will
be appreciated that various modifications and changes can be made
without departing from the scope of the present invention as set
forth in the claims below. The specification and figures are to be
regarded in an illustrative manner, rather than a restrictive one,
and all such modifications are intended to be included within the
scope of present invention. Accordingly, the scope of the invention
should be determined by the appended claims and their legal
equivalents, rather than by the examples given above. For example,
the steps recited in any of the method or process claims may be
executed in any order and are not limited to the order presented in
the claims.
* * * * *
References