CN101657784A - 移动优惠卷方法和利用该方法的便携式消费设备 - Google Patents

移动优惠卷方法和利用该方法的便携式消费设备 Download PDF

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CN101657784A
CN101657784A CN200780050840A CN200780050840A CN101657784A CN 101657784 A CN101657784 A CN 101657784A CN 200780050840 A CN200780050840 A CN 200780050840A CN 200780050840 A CN200780050840 A CN 200780050840A CN 101657784 A CN101657784 A CN 101657784A
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reward voucher
consumer device
consumer
portable consumer
transaction
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M·卡尔森
P·丘瑞尔
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Visa USA Inc
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
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    • G06Q30/06—Buying, selling or leasing transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
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Abstract

本发明的各实施例与涉及移动优惠券的系统和方法有关。在一个实施例中，通过支付交易网络的先前购买交易的指示用作生成并散发移动优惠券以供后续交易的触发器。通过在第一个交易的有限时间内生成并发布优惠券，接收者可基于他或她的当前购物状态以及也可能基于地理位置而倾向于乐于接收。根据另一实施例，消费者可利用由该消费者操作的便携式设备的天线来以非接触式的方式向商家呈现来自移动优惠券的信息。优惠券信息可与支付信息一起在向商家发送支付信息之前或之后传送到商家。

Description

移动优惠券方法和利用该方法的便携式消费设备
相关申请的交叉引用
本非临时专利申请要求2006年12月26日提交的美国临时专利申请No.60/871,898的优先权，该临时申请通过引用整体通用地结合于此。
背景
优惠券是用于增强品牌忠诚度并介绍新产品的有用的营销工具。通过允许定制优惠的有效持续时间和价值，优惠券为消费者提供购买特定产品或产品系列的灵活的激励。
按照惯例，优惠券可以按打印形式来从诸如报纸等源获得。然而，对诸如万维网等电子信息源的增加采用已导致电子优惠券日益普及。
另外，大多数消费者现在拥有并操作蜂窝电话或其他便携式电子设备。这使得这些消费者可在其购物时可得到电子优惠券的分发，并且还允许直接在商店所在地兑现这些分发的电子优惠券。
因此，在本领域内存在对允许移动电子设备分发和使用电子优惠券的方法和系统的需求。
简要概述
本发明的各实施例与涉及移动优惠券的系统和方法有关。在一个实施例中，通过支付交易网络的先前购买交易的指示可用作生成并散发移动优惠券以供后续交易的触发器。通过在第一个交易的有限时间内生成并发布优惠券，接收者可基于他或她的当前购物状态以及也可能基于地理位置而乐于接收。根据另一实施例，可利用由消费者操作的便携式设备的天线来以非接触式的方式向商家呈现来自移动优惠券的信息。这些移动优惠券信息可以与支付信息一起按非接触式的方式传送到商家，或可在向商家发送支付信息之前或之后传送到商家。
以下将进一步详细描述本发明的这些和其它实施例。
附图简述
图1示出了支付处理系统的简化框图。
图1A示出了供与图1的支付处理系统一起使用的便携式消费设备的框图。
图2示出了根据本发明一实施例的用于实现移动优惠券计划的系统的一实施例的简化框图。
图3示出了根据本发明一实施例的用于在移动优惠券计划中登记的过程的简化流程图。
图4示出了来自POS终端的屏幕。
图5(a)-5(c)示出了电话上的不同屏幕截图。这些屏幕截图包括优惠券。
图6是供根据本发明实施例来使用的计算机系统的示意图。
图6A是图6的计算机系统的基本子系统的示图。
图7示出了根据本发明的利用电子优惠券的实施例的过程的简化流程。
详细描述
I.支付处理系统
本发明的各实施例涉及使用便携式消费设备以及采用这些设备的方法和系统。优选的便携式消费设备是移动电话。移动电话可在如图1所示的支付处理系统中使用。
图1示出了可在本发明一实施例中使用的系统20。系统20包括商家22以及与商家22相关联的收单方24。在典型的支付交易中，消费者30可使用便携式消费设备32来在商家22处购买商品或服务。收单方24可经由支付处理网络26来与发行方28进行通信。
收单方24通常是具有商家账户的银行。发行方28也可以是银行，但它也可以是诸如零售商店等商业实体。某些实体既是收单方又是发行方，并且本发明的各实施例包括这些实体。发行方28可操作服务器计算机21，其可具有包括用于执行发行方28所执行功能的代码的计算机可读介质。包括账号信息和其他信息的数据库23可有效耦合到服务器计算机21。
消费者30可以是能够购买商品或服务的个人或诸如企业等组织。
便携式消费设备32可以是任何合适的形式。例如，合适的便携式消费设备可以是手持式且是紧凑型的，从而使其适于放入消费者的钱包和/或口袋(例如，袖珍型的)。这些便携式消费设备可以包括智能卡、普通信用卡或借记卡(带有磁条而没有微处理器)、钥匙链设备(如可在市场上从埃克森美孚公司买到的SpeedpassTM)等。便携式消费设备的其它示例包括蜂窝电话、个人数字助理(PDA)、寻呼机、支付卡、安全卡、赊购卡、智能介质、发射机应答器等。便携式消费设备也可以是借记设备(例如，借记卡)、贷记设备(例如，信用卡)、或储值设备(例如，储值卡)。
便携式消费设备32可包括计算机可读介质32(a)和主体32(b)。计算机可读介质32(a)可处于主体32(b)上。主体32(b)可以是塑料衬底、外壳或其他结构的形式。计算机可读介质32(a)可以是存储数据的存储器并且可以是任何合适的形式。示例性计算机可读介质32(a)可以是任何合适的形式，包括磁条、存储器芯片等。如果便携式消费设备32是卡的形式，则它可具有凸印有PAN(主账号)的凸印区域32(a)。
图1A示出了便携式(移动)设备的放大视图。设备32还包括非接触式元件36，其通常以具有诸如天线等相关联的无线数据传送(例如，数据传输)元件36(b)的半导体芯片36(a)(或其他数据存储元件)的形式实现。非接触式元件36与移动设备32相关联(例如，嵌在其中)并且经由蜂窝网络发送的诸如优惠券等数据或控制指令可通过非接触式元件接口38来应用于非接触式元件36。非接触式元件接口38用于准许在移动设备电路39(并因此蜂窝网络)和非接触式元件36之间交换数据和/或控制指令。
移动设备32还可包括安全数据空间41，其可由该设备用来存储操作参数和/或在操作该设备时利用的其他数据。安全数据空间41可以是单独的且与非接触式元件36中的芯片分开的芯片的形式，或另选地，可以是形成非接触式元件36的一部分的芯片中的存储器部分。注意，非接触式元件36中的芯片可包括数据存储能力，其形式是可经由接口38来访问以准许实现例如读、写和擦除功能的存储器。
根据其他实施例，移动设备还可包括处理器45和计算机可读介质46，其用于存储代码并被配置成引导该处理器执行各种任务。例如，该计算机可读介质可包括磁盘驱动器或闪存芯片。
如以下所讨论的，该计算机可读介质可包含被配置成使得便携式消费设备的处理器接收并识别传递给该移动设备的、包括优惠券和编码的消息的代码。该计算机可读介质还可包括被配置成解密移动设备所接收到的、包括编码的加密消息的代码。
非接触式元件36能够使用通常根据标准化协议或数据传输机制(在该附图中被标识为ISO 14443/NFC(近场通信))的近场通信能力(或近场通信介质)来传输和接收数据。近场通信能力是短程通信能力，诸如RFID、蓝牙TM、红外线或可用于在移动设备32与例如位于商家的销售点或预期将要兑现优惠券的另一地点的本地装置之间交换数据的其他数据传输能力等。由此，移动设备32能够经由蜂窝网络和近场通信能力两者来传送和传输数据和/或控制指令。
根据某些实施例，该移动设备还包括全球定位系统(GPS)元件47。GPS元件47被配置成允许在任何时刻确定用户的位置。具体而言，GPS元件47依赖于来自多个轨道卫星的信号以允许确定用户的位置。从GPS元件47获取的位置信息进而可通过天线来传送以允许监视用户的位置。
返回到图1，支付处理网络26可包括用于支持和传递授权服务、异常文件服务、以及清算和结算服务的数据处理子系统、网络和操作。示例性支付处理网络可包括VisaNetTM。诸如VisaNetTM等支付处理网络能够处理信用卡交易、借记卡交易、以及其它类型的商业交易。具体而言，VisaNetTM包括处理授权请求的VIP系统(维萨(Visa)集成支付系统)以及执行清算和结算服务的BaseII系统。
支付处理网络26可包括服务器计算机。服务器计算机通常是强大的计算机或计算机群。例如，服务器计算机可以是大型主机、小型计算机群、或作为一个单元来运作的服务器组。在一个示例中，服务器计算机可以是耦合到web服务器的数据库服务器。支付处理网络26可使用包括因特网在内的任何合适的有线或无线网络。
商家22也可以拥有可与便携式消费设备32进行交互的接入设备34或可从其接收通信。在图1的系统的实施例中，接入设备34位于商家22处。然而，它在本发明的其他实施例中可位于任何其他合适的位置。
根据本发明的各实施例的接入设备可以是任何合适的形式。接入设备的示例包括销售点(POS)设备、蜂窝电话、PDA、个人计算机(PC)、写字板PC、手持式专用读取器、机顶盒、电子收银机(ECR)、自动提款机(ATM)、虚拟收银机(VCR)、自助服务终端、安全系统、接入系统等。
如果接入设备34是销售点终端，则任何合适的销售点终端都可包括读取器34(a)、处理器34(b)以及计算机可读介质34(c)。读取器34(b)可包括任何合适的接触式或非接触式操作模式。例如，示例性读卡器可包括用于与便携式消费设备32交互的RF(射频)天线、磁条读取器等。
在典型的购买交易中，消费者30使用诸如信用卡等便携式消费设备32来在商家22处购买商品或服务。消费者的便携式消费设备32可以与商家22处诸如POS(销售点)终端等接入设备34交互。例如，消费者30可持信用卡并可以将其刷过POS终端中的适当的槽。
或者，POS终端可以是非接触式读取器，并且便携式消费设备32可以是诸如非接触式卡等非接触式设备。在某些实施例中，便携式消费设备可以是诸如以上图1A中所示的移动设备。如将在以下详细讨论的，移动设备的天线可用于不仅向POS传送支付信息，而且还可向POS设备传送来自移动优惠券的信息(诸如编码等)。
授权请求消息然后被转发给收单方24。在接收到该授权请求消息之后，然后将该授权请求消息发送到支付处理网络26。支付处理网络26然后将该授权请求消息转发给便携式消费设备32的发行方28。
在发行方28接收到该授权请求消息之后，该发行方28将指示当前交易是否已获授权(未获授权)的授权响应消息发回到支付处理网络26。交易处理网络26然后将该授权响应消息转发回收单方24。收单方24然后将该响应消息发回商家22。
在商家22接收到该授权响应消息之后，在商家22处的接入设备34然后可向消费者30提供该授权响应消息。该响应消息可由接入设备34显示，或可打印在收据上。
在一天结束时，交易处理网络26可进行正常的清算和结算过程。清算过程是在收单方和发行方之间交换财务明细以便于对消费者的账户过账并与消费者的结算余额对账的过程。
以下描述的实施例中的某一些可使用如上所述的支付处理系统，或该支付处理系统中的组件的任何合适的组合。
II.移动优惠券方法和系统
根据本发明的特定实施例涉及允许在移动个人设备处分发和/或兑现电子优惠券的方法和装置。这一系统的各实施例在以下附图中描述。
图2示出了根据本发明的用于管理移动优惠券计划的系统的一实施例的总体视图。第一实体200(即，Visa)负责操作支付处理网络。在实体200的控制下的是多个不同的操作元件。
例如，移动活动服务器202用作实体200与此处由因特网“云”204来表示的外部世界之间的接口。移动活动服务器202可包括至少三个组件。
具体而言，移动登记服务器206提供一浏览器界面，供潜在用户使用登记网页208来在移动优惠券计划中登记。移动登记服务器206被配置成从潜在用户接收允许其参与该计划的特定信息片段。例如，在电子地提供给服务器206的登记表格中，预期参与者可提供诸如其便携式设备的电话号码、安全口令以及关于其希望接收的移动优惠券的类型的偏好等信息。
图3提供了用于在移动优惠券计划中登记的步骤的简化流程图。在登记流程300的步骤302，消费者利用他或她的浏览器来导航到登记服务器的网站。
在下一步骤304，消费者通过输入标识和确认信息来创建移动优惠券账户。这些标识信息的示例包括用户姓名、用户的移动电子设备的电话号码、财务账号和可任选的别名。在该阶段，消费者还验证其已阅读适当的免责声明并肯定地指示其想要参与移动优惠券计划。
在登记流程300的步骤306，验证由消费者输入的信息。这种验证的示例包括确认所标识的消费者实际上拥有便携式设备、该便携式设备属于该消费者以及任何所标识的账户都属于该消费者。
返回到图2，移动登记服务器206进而与用户数据库210进行通信。数据库210包括关于移动优惠券系统的用户的数据，该数据包括在登记期间提供的具体信息。对数据库210的内容的访问是与网关服务器212共享的。
网关服务器212用作与负责实现移动优惠券计划的外部实体的接口。例如，电信公司214提供无论用户的移动设备碰巧在哪里都向其传送优惠券所必需的基础结构。电信公司实体必须提供足够的能力以处理足够多的量的传出到接收者的优惠券消息。
在这一消息量预期很小(例如在移动优惠券计划的初期)的情况下，被称为聚集器的另一类型的公司将为来自电信公司的所有预期消息确保足够的带宽，并且然后聚集来自不同源的消息。
在示例性实施例中，优惠券被发送到用户的电话或其他便携式设备。优惠券可以按多种不同形式中的任一种来发送，包括但不限于，短消息传送服务(SMS)消息、SMS链接、多媒体消息传送服务(MMS)消息或电子邮件消息。
优惠券可利用若干种通信系统中的任一种来传送。例如，优惠券可利用SMS来传送到蜂窝电话。这一实施例提供了多个可能的优点，包括广泛的访问，因为SMS在几乎每一个蜂窝电话上都可用。对于利用SMS的移动优惠券分发的可能缺点是用于确认指定接收者接收到优惠券的机制孱弱，以及由于对于所发送的每一条SMS消息通常都发生费用而导致高交易成本。
根据替换实施例，移动优惠券可由全球移动通信系统(GSM)系统来分发。这些GSM通信是廉价且安全的，并且将支持对指定用户接收到优惠券的确认。
或者，优惠券可利用近场通信(NFC)系统来分发。这一实施例将要求便携式消费设备配备NFC芯片并用软件应用程序来编程。提供电子优惠券的近场信号源可以是例如存在于大型购物中心中的本地自助服务终端。可利用这一近场通信来获得的电子优惠券的替换源是销售点本身。其他源也是可能的。
优惠券可以按加密形式传送到便携式消费设备。这一加密将防止除预期接收者之外的其他人截取或未获授权地使用优惠券。存在于便携式消费设备中的处理器进而可在接收到消息后解密该消息。
图4示出了来自POS终端的屏幕400。屏幕400示出了按钮402，收银员可选择该按钮来发起利用电子优惠券的预先安排的折扣。例如，按钮402a允许收银员对员工等实现30％的折扣。按钮402b使收银员能手动输入对应于来自显示在用户的便携式电子设备上的电子优惠券的查找数(NLU)的数字。
图5A-5C是示出不同形式的图形优惠券的三个屏幕截图的示例。这些屏幕截图被配置成能够在移动电话、个人数字助理(PDA)或其他移动设备的小屏幕上显示。
图5A示出了屏幕截图500，其包括条形码502(其是机器可读代码的示例)和七位数的数字504两者。条形码502可以用扫描仪来扫描。可用于读取蜂窝电话的屏幕上的条形码的一类扫描仪是电荷耦合器件(CCD)扫描仪。然而，激光类扫描仪可能由于屏幕反射而无法读取所显示的条形码。
为了处理图5A所示的电子优惠券，用户在他或她的便携式设备的屏幕上访问并显示该优惠券。收银员然后访问图4所示的折扣屏幕，并且直接扫描条形码或者利用数字键区来输入该七位数的数字。
图5B示出了包括视觉显示522和个性化消息523的屏幕截图520，其示出了根据本发明的移动电子优惠券的不同实施例。该视觉显示可与优惠券的特性相关，例如表示购买鲜花。或者，该显示可简单地示出优惠券的特性，例如显示一般表示礼物的鲜花。
电子优惠券520示出了六位数的数字“024248”，而不是条形码。在收银员处理优惠券520时，可将该六位数的数字输入到POS终端中以给予消费者购买折扣。根据一个实施例，该数字可通过使得收银员在数字键区上键入该编码的各个数字来输入。根据一替换实施例，该数字可通过使得收银员激活允许识别优惠券和折扣的预定键或其组合来输入。
图5B的实施例可提供优于采用如图5A所示的条形码的优惠券的某些优点。一个优点是操作容易，因为无需对来自电话屏幕的编码进行光学识别/读取。另一可能的优点是实现成本降低，因为商家无需购买或租用条形码扫描仪设备。此外，该替换实施例将不需要与电子扫描有关的软件和硬件更新。
最后，图5C示出了显示“七折(30％off)”优惠券的屏幕截图550。该电子优惠券包括视觉显示552，但缺少条形码和识别号。
为了使用该优惠券，用户向收银员出示该显示并且收银员选择POS终端显示上的按钮(参见图4)以向该消费者提供折扣。根据本发明的其他实施例，诸如编码等优惠券信息可以按专有格式传送到便携式设备。
图7示出了根据本发明一实施例的利用移动优惠券的过程的简化流程。在过程流程700的第一步骤702，购买人向收银员呈现物品。在步骤704，收银员敲击购买键并输入物品。在步骤706，优惠券询问购买人她是否打算使用优惠券。在步骤708，购买人回答她打算使用优惠券。
在过程流程700的步骤710，收银员敲击优惠券键以告知收银机使用优惠券。在步骤712，收银员敲击VISA终端背面上的接受优惠券按钮。
在步骤714，VISA终端显示请求购买人摇动电话以输入优惠券的消息。在步骤716，购买人摇动电话并且终端接收所扫描的编码。在步骤718，与该终端进行通信的处理器查找所扫描的编码。在步骤720，处理器将消费者和标记(branding)信息返回给终端。在步骤722，终端显示针对该特定购买人定制的标记信息。最后，在步骤724，终端向收银机发送表示条形码的查找数。
根据本发明实施例的变体可利用优惠券或其中的编码到收银员的近场通信。在该变体中，多位数的数字编码(即，六位数字)可经由读取器使用诸如图1A的包括天线的移动设备等非接触式设备来发送到POS终端。优惠券可以按这一非接触式方式使用诸如近场通信(NFC)能力等短程通信方法来传送。这些NFC技术的示例包括ISO标准14443、RFID、蓝牙TM和红外线通信方法。根据这些实施例，该六位数编码可被或不被显示在电话的显示器上。根据本发明的实施例不限于传送优惠券编码信息。根据替换实施例，从移动设备传送到POS终端的优惠券信息可包括其他信息，例如，移动优惠券对特定产品的产品编码有限适用性、或者移动优惠券的截止日期/时间。
在某些实施例中，支付信息(诸如信用卡号、借记卡号、持卡人的家庭邮政编码或三位数的卡验证值码等)可以按非接触式方式从移动设备传送到POS终端。在这些实施例中，来自移动电话的优惠券信息也可以按非接触式方式来传送到POS终端。在某些实施例中，这一移动优惠券信息的传送可作为向POS终端传送支付信息的同一消息的一部分来进行。或者，优惠券信息可以在支付信息向POS终端的非接触式传送之前或之后传送。
消费者可接收指示该消费者已接收到优惠券的文本消息、电话呼叫或电子邮件。消费者然后可使用他或她的电话来向耦合到POS终端的非接触式读取器发送对应于优惠券的编码。近场通信可利用例如红外线或诸如蓝牙等RF通信模式。图1所示的系统可结合这一实施例来使用。
返回到图2，与移动活动服务器分开的多个其他元件也在实体200的控制下。通知模块250负责向特定事件计划中的参与者通知例如限时促销或甚至欺诈性交易的可能性。
移动定标模块260负责生成针对用户的优惠券。根据某些实施例，优惠券能够以基于位置的服务(LBS)方法为基础，利用如通过支付处理网络检测到的消费者的先前购买活动来确定目标。
具体而言，在支付交易通过支付处理网络来进行的情况下，传送可用于为移动优惠券确定目标的某些信息。可能对于确定目标有用的一个信息片段是先前支付交易的定时。
具体而言，先前购买交易的真实存在揭示消费者积极地参与购物而不是其他活动(即，睡觉或工作)。基于该定时消息，知道消费者可能乐于接收用于后续交易的移动优惠券。因此，本发明的实施例由此可在自从支付处理网络接收到先前支付交易已经发生的指示的预定有限时间段内生成移动优惠券并向消费者散发该移动优惠券。用于散发移动优惠券的时间段的示例包括，但不限于一分钟或更短、五分钟、十分钟、十五分钟、半小时、四十五分钟、一小时、一个半小时、两小时、三小时、四小时和五小时或自从支付处理网络中检测到先前购买活动的时间起的更长时间。这一方法允许向消费者散发及时、非侵入性的移动优惠券。
在某些实施例中，这一移动优惠券的有效性的持续时间也可受到时间的限制。这一实施例将提供使接收者为接收移动优惠券而监视他或她的便携式设备并在移动优惠券有效的有限时间段内使用该优惠券的激励。此外，在某些实施例中，移动优惠券在过期后可被配置成自动从消费者的便携式设备中消失。这将减少移动优惠券的侵入性，因为消费者没有义务从他或她的便携式设备中删除过期优惠券的积压(backlog)。
本发明的实施例不限于基于通过支付处理网络来从先前购买交易搜集的临时信息来生成并发布移动优惠券。根据替换实施例，移动优惠券可基于如从支付处理网络中确定的用户的地理位置来确定目标。
根据一个实施例，消费者的位置能够以基于位置的服务(LBS)方法为基础从该用户的购买活动中确定。例如，当用户在POS处刷卡时，从支付网络返回包括商家识别号(MID)的授权消息。可从该MID号中确定在该销售时刻的用户位置。
根据其他实施例，可参考关于通过支付处理网络进行的先前购买的特性的信息以生成优惠券。因此，对一个产品(例如，真空吸尘器)的先前购买可导致生成第二产品(真空吸尘器的袋子)。该优惠券生成可不考虑先前购买交易的时间或物理位置。或者，LBS方法可基于与前一个所购买产品的销售者具有密切协议的第二产品的销售者。
此外，移动优惠券可基于从通过支付处理网络进行的先前购买交易中搜集的不止一个信息片段而产生。具体而言，可组合先前购买交易的时间、地理位置和/或特性来生成有针对性的优惠券。
根据其他实施例，可从支付处理网络获得的来自先前购买交易的信息可与其他信息组合以生成有针对性的优惠券。例如，关于消费者的位置的信息可从除支付处理网络之外的源中确定。
根据一种方法，消费者的位置可通过分析便携式用户设备通过其发送和接收信息的当前基站的位置来确定。这一当前基站信息可从消费者与其相关的并且在其他应用中用于在医疗急救的情况下允许用户联系最近的医疗服务提供商的电信提供商获得。因此，在某些实施例中，来自该源的地理信息可以与可从支付处理网络获得的信息(时间、先前购买的特性)组合以生成有针对性的优惠券。
根据另一种方法，消费者的位置可通过使用全球定位系统(GPS)技术来确定。在该方法中，消费者的便携式设备的位置利用多个轨道卫星来监视。因此，在其他实施例中，来自该源的地理信息可以与可从支付处理网络获得的信息(时间、先前购买的特性)组合来生成有针对性的优惠券。
通过单独或组合地利用这些方法或其他方法中的任一种，移动定标模块260可向消费者发出有针对性的移动优惠券。例如，移动电子优惠券可全部或部分地基于诸如企业员工或俱乐部会员等属于特定组的接收者来确定目标。
奖励模块270(诸如“Visa Extras”等)负责协调和管理依靠使用支付网络的激励或奖励计划。由此，可生成有针对性的移动优惠券并且然后将其电子地分发给便携式消费设备作为激励计划的一部分。例如，利用Visa卡的特定购买量的增加可致使该计划参与者有资格获得移动优惠券计划中的其他参与者通常无法获得的特别有价值类型的电子优惠券。该有针对性的电子优惠券然后被传送到消费者的移动设备以供兑现。
在图2中被示为在实体200的控制下的其他元件可涉及用于执行购买和支付交易的支付网络的功能。伙伴和银行280在实体200的控制之外，但作为对支付交易的处理的一部分来与实体200交互。
应当理解，如上所述，本发明能够以模块化或集成的方式使用计算机软件来以控制逻辑的形式实现。基于此处所提供的公开和示教，本领域的普通技术人员将理解并认识到使用硬件和硬件和软件的组合来实现本发明的其它方式和/或方法。
上述移动优惠券系统的各个组件可以用具有各种功能部件的计算机系统来实现。图6示出了通用计算机系统610的示例，其包括显示设备620、显示屏630、机箱640、键盘650和鼠标670。鼠标670和键盘650是代表性“用户输入设备”。鼠标670包括按钮680，其用于选择图形用户界面设备上的按钮。用户输入设备的其他示例是触摸屏、光笔、跟踪球、数据手套、话筒等。图6表示用于采用本发明的仅一种类型的系统。对于本领域的普通技术人员将会很容易显而易见的是，许多系统类型和配置适于结合本发明来使用。在一较佳的实施例中，计算机系统610包括运行微软公司的Windows NT操作系统的奔腾级计算机。然而，该装置很容易由本领域的普通技术人员来适应其他操作系统和体系结构而不背离本发明的范围。
如上所述，鼠标670可具有一个或多个按钮，诸如按钮680。机箱640容纳诸如磁盘驱动器、处理器、存储设备等熟悉的计算机组件。存储设备包括，但不限于盘驱动器、磁带、固态存储器、磁泡存储器等。机箱640可包括其他硬件，诸如用于将计算机系统610连接到将在以下进一步描述的外部设备、外部存储、其他计算机或其他外围设备的输入/输出(I/O)接口卡等。
图6A是图6的计算机系统610的基本子系统的图示。该示图仅仅作为说明且不应限制此处的权利要求的范围。本领域的普通技术人员将会认识到其他变体、修改和替换。在某些实施例中，这些子系统经由系统总线675来互连。示出了诸如打印机674、键盘678、固定磁盘679、耦合到显示适配器676的监视器682等其他子系统。耦合到输入/输出(I/O)控制器671的外围设备和I/O设备可通过诸如串行端口677等本领域内已知的任何数量的手段来连接到计算机系统。例如，串行端口677可用于将该计算机系统连接到调制解调器681，其进而连接到诸如因特网等广域网、鼠标输入设备或扫描仪。经由系统总线的互连使中央处理器673能与每一个子系统进行通信并控制来自系统存储器672或固定磁盘679的指令的执行，以及各子系统之间的信息交换。本领域的普通技术人员可容易地获得子系统和互连的其他排列。系统存储器和固定磁盘是用于存储计算机程序的有形介质的示例，其他类型的有形介质包括软盘、可移动硬盘、诸如CD-ROM和条形码等光存储介质、以及诸如闪存、只读存储器(ROM)和电池备份存储器等半导体存储器。
在本申请中描述的任何软件组件或功能都可被实现为由处理器使用诸如，例如比如使用常规的或面向对象的技术的Java、C++、或Perl等任何适当计算机语言来执行的软件代码。软件代码可作为一系列指令或命令来存储在诸如随机存取存储器(RAM)、只读存储器(ROM)、诸如硬盘或软盘等磁性介质、或诸如CD-ROM等光学介质等计算机可读介质上。任何这种计算机可读介质可驻留在单个计算装置之上或之内，并可存在于系统或网络内的不同计算装置之上或之内。
以上说明书是说明性的而非限制性的。本发明的许多变体对本领域的技术人员在审阅本公开后是显而易见的。因此，本发明的范围不应参考以上描述来确定，而是应当参考所附权利要求以及其全部范围或等效方案来确定。
来自任何实施例的一个或多个特征可以与任何其它实施例的一个或多个特征相结合而不背离本发明的范围。
对“一”、“一个”或“该”的叙述旨在表示“一个或多个”，除非特别地有相反指示。

Claims (34)

1.一种方法，包括：
通过支付处理网络来接收消费者的购买交易的指示；
基于来自所述购买交易的信息来生成移动优惠券；以及
向所述消费者散发所述移动优惠券。
2.如权利要求1所述的方法，其特征在于，所述移动优惠券基于所述购买交易的时间来生成，并且所述移动优惠券在自所述购买交易的时间起的预定时间量内散发给所述消费者。
3.如权利要求2所述的方法，其特征在于，所述移动优惠券在自第一时间起的有限时间内有效。
4.如权利要求1所述的方法，其特征在于，所述优惠券基于所述消费者的地理位置来生成。
5.如权利要求4所述的方法，其特征在于，所述消费者的地理位置根据所述购买交易确定。
6.如权利要求4所述的方法，其特征在于，所述消费者的地理位置根据便携式设备的位置确定。
7.如权利要求6所述的方法，其特征在于，所述消费者的地理位置根据所述便携式设备的的全球定位系统(GPS)元件确定。
8.如权利要求1所述的方法，其特征在于，所述信息包括所述购买交易的时间、所述购买交易的地理位置或所述购买交易中所购买的产品中的至少一个。
9.一种方法，包括：
在由消费者操作的包括天线的便携式消费设备处接收包括编码的优惠券；
使用所述天线来将关于购买交易的支付信息提供给商家；以及
还使用所述天线来将所述编码提供给所述商家。
10.如权利要求9所述的方法，其特征在于，所述天线是RF天线并且所述便携式消费设备是移动电话。
11.如权利要求9所述的方法，其特征在于，所述支付信息包括信用卡号、借记卡号、所述消费者的家庭邮政编码或者三位数的卡验证值码。
12.如权利要求9所述的方法，其特征在于，所述编码利用近场通信(NFC)信道来提供给所述商家。
13.如权利要求9所述的方法，其特征在于，所述便携式消费设备包括全球定位系统(GPS)，所述方法还包括所述便携式消费设备向远程位置发送指示其地理位置的信号。
14.一种便携式消费设备，包括：
非接触式元件；
与所述非接触式元件相关联的无线数据传输元件；
处理器；以及
被配置成存储包括编码的优惠券的计算机可读存储介质，所述非接触式元件被配置成在接收到来自用户的命令后将所述编码发送到商家。
15.如权利要求14所述的便携式消费设备，其特征在于，所述计算机可读存储介质被配置成存储供所述处理器解密由所述无线数据传输元件接收到的经加密的优惠券消息的指令。
16.如权利要求14所述的便携式消费设备，其特征在于，所述计算机可读存储介质被配置成存储供所述处理器接收并识别包括所述优惠券和所述编码的传入消息的指令。
17.如权利要求16所述的便携式消费设备，其特征在于，所述优惠券作为短消息传送服务(SMS)消息、近场通信(NFC)消息或作为全球移动通信系统(GSM)消息来接收。
18.如权利要求14所述的便携式消费设备，其特征在于，还包括全球定位系统(GPS)元件。
19.如权利要求18所述的便携式消费设备，其特征在于，所述计算机可读介质被配置成存储供所述处理器向生成所述优惠券的实体传送由所述GPS元件生成的地理位置的指令。
20.如权利要求14所述的便携式消费设备，其特征在于，还包括屏幕，其中所述计算机可读存储介质被配置成存储供所述处理器在所述屏幕上显示所述优惠券的至少一部分的指令。
21.如权利要求14所述的便携式消费设备，其特征在于，所述无线数据传输元件包括红外线(IR)发射机或射频(RF)发射机。
22.一种方法，包括：
在由消费者操作的移动电话处接收包括编码的优惠券；
在所述移动电话的屏幕上显示所述编码；以及
向商家显示包括所述编码的屏幕，由此使得所述商家能够在之后向所述消费者提供折扣。
23.如权利要求22所述的方法，其特征在于，显示所述编码包括显示数字编码。
24.如权利要求22所述的方法，其特征在于，还包括在所述屏幕上提供具有所述编码的视觉显示。
25.如权利要求22所述的方法，其特征在于，接收所述优惠券包括接收短消息传送服务(SMS)消息、近场通信(NFC)消息或全球移动通信系统(GSM)消息。
26.如权利要求22所述的方法，其特征在于，还包括解密包括所述优惠券的传入消息。
27.如权利要求22所述的方法，其特征在于，所述优惠券基于以基于位置的服务(LBS)方法或全球定位系统(GPS)方法为基础的消费者的位置来生成。
28.一种方法，包括：
在由消费者操作的包括天线的便携式消费设备处接收包括编码的优惠券；以及
使用天线来将所述优惠券提供给商家。
29.如权利要求28所述的方法，其特征在于，所述天线是RF天线并且所述便携式消费设备是移动电话。
30.如权利要求28所述的方法，其特征在于，所述便携式消费设备用所述天线来接收所述优惠券。
31.如权利要求28所述的方法，其特征在于，所述编码利用近场通信(NFC)信道来提供给所述商家。
32.如权利要求28所述的方法，其特征在于，所述便携式消费设备包括全球定位系统(GPS)，所述方法还包括所述便携式消费设备向远程位置发送指示其地理位置的信号。
33.如权利要求28所述的方法，其特征在于，所述优惠券适用于在所述便携式消费设备的地理位置附近的商家。
34.如权利要求33所述的方法，其特征在于，所述优惠券基于以基于位置的服务(LBS)方法或全球定位系统(GPS)方法为基础的消费者的位置来生成。
CN200780050840A 2006-12-26 2007-12-21 移动优惠卷方法和利用该方法的便携式消费设备 Pending CN101657784A (zh)

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