WO2006026600B1 - Card member discount system and method - Google Patents

Card member discount system and method

Info

Publication number
WO2006026600B1
WO2006026600B1 PCT/US2005/030792 US2005030792W WO2006026600B1 WO 2006026600 B1 WO2006026600 B1 WO 2006026600B1 US 2005030792 W US2005030792 W US 2005030792W WO 2006026600 B1 WO2006026600 B1 WO 2006026600B1
Authority
WO
WIPO (PCT)
Prior art keywords
discount
consumer
purchase
financial account
amount
Prior art date
Application number
PCT/US2005/030792
Other languages
French (fr)
Other versions
WO2006026600A3 (en
WO2006026600A2 (en
Inventor
Jennifer Alspach-Goss
Colleen Crino
Srinivas Kolla
Mark E Robinson
Julia Russell
Cynthia Ryan
Edward Vittoria
Theodore S Voltmer
Original Assignee
American Express Travel Relate
Jennifer Alspach-Goss
Colleen Crino
Srinivas Kolla
Mark E Robinson
Julia Russell
Cynthia Ryan
Edward Vittoria
Theodore S Voltmer
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by American Express Travel Relate, Jennifer Alspach-Goss, Colleen Crino, Srinivas Kolla, Mark E Robinson, Julia Russell, Cynthia Ryan, Edward Vittoria, Theodore S Voltmer filed Critical American Express Travel Relate
Publication of WO2006026600A2 publication Critical patent/WO2006026600A2/en
Publication of WO2006026600A3 publication Critical patent/WO2006026600A3/en
Publication of WO2006026600B1 publication Critical patent/WO2006026600B1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0215—Including financial accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0238—Discounts or incentives, e.g. coupons or rebates at point-of-sale [POS]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0269—Targeted advertisements based on user profile or attribute

Abstract

A method and apparatus to facilitate giving a discount to a consumer subsequent to a point of sale purchase. A merchant (1350), manufacturer (106), and/or a consumer (1360) agree in advance with a financial account issuer (1355) to give a discount on qualifying purchases. The merchant (1350) and/or manufacturer (106) may access an intranet provided by the financial account issuer (1355) and input instructions related to one or more discount programs. During a point of sale purchase, a consumer and merchant agree to a purchase price for a particular good and/or service being purchased by the consumer. The merchant (1350) requests payment authorization from the financial account issuer for the full (gross), agreed upon purchase price. If the purchase qualifies for a discount under one or more discount programs, the consumer's (1360) financial account (1365) is charged the full, agreed upon purchase price, and subsequently credited one or more discounts the transaction qualifies for without the consumer (1360) needing to perform a secondary task(s).

Claims

AMENDED CLAIMS received by the International Bureau on 23 May 2006 (23.05.06)
We Claim: 1. A computer- implemented method to facilitate providing a discount amount to a consuner, comprising: receiving a r squest from a point of sale device, at a host computer, said request includ πg instructions to charge a transaction amount from a financial account; charging said financial account, by said host computer, said transaction amount for a partic ilar transaction calculating s aid discount amount, by said host computer, for said particular transaction ; and, crediting saip financial account, by said host computer, said discount amount for said particular transaction, whereby said consumer does not perform a seconda y task to receive said discount amount.
2. The method of claim 1 , wherein said calculating step comprises the steps of: matching a nerchant identifier included in said request to a matched merchant in a list < merchants offering said discount amount; and, calculating J aid discount amount according to a discount program offered by said ma iched merchant.
3. The methoc of claim 1 , wherein said calculating step comprises the step of calculating said discount amount according to a discount program offered by an issuer of said financial account.
4. The methoc of claim 1 , wherein said calculating step comprises the steps of: matching a manufacturer identifier included in said request to a matched manufacturer in a list of manufacturers offering said discount amount; and, calculating feaid discount amount according to a discount program offered by said mφched manufacturer.
74 5. The method >f claim 1, wherein said calculating step comprises the steps of: matching an item identifier included in said request to a matched item in a list of items wft ch qualify for said discount amount; and, calculating $ aid discount amount according to a discount program associated with said item.
6. The method of claim 1 , further comprising providing overlay promotions for said request.
7. The method of claim 1 , further comprising the step of issuing a periodic statement associa d with said financial account, wherein said periodic statement include: a listing of said discount amount for said particular transaction.
8. The method of claim 1 , wherein said calculating step comprises the step of calculating multiple discount amounts for said particular transaction.
9. The method of claim 1 , wherein said crediting step comprises crediting said financial account with a plurality of discount amounts for said particular transaction.
10. The method of claim 1, wherein said crediting step comprises the step of crediting a plura ity of financial accounts with said discount amount for said particular transact! n.
11. The methoc of claim 1 , further comprising the step of determining if said request qualif es for a discount.
12. The methoc of claim 1 , further comprising the step of determining if said request quali fjes for said discount amount when at least one of a merchant providing said request, an issuer is said financial account, an acquirer of said re uest, a manufacturer, a loyalty company, and a third-party
75 merchant agrees to provide a discount to said consumer based upon a discount criteria.
13. The method I | (oαff . claim 1 , further comprising the step, of determining if
I said request qualifies for said discount amount when at least one of a merchant providing said request, an issuer is said financial account, an acquirer of said reqjuest, a manufacturer, a loyalty company, and a third-party merchant agrees tc provide a discount to said consumer based upon certain discount criteria, ar d wherein saic discount criteria is at least one of a type of item being purchased, a type of business said merchant is engaged in, a type of consumer said consumer is, and a status of said consumer.
14. The method of claim 1 , wherein said calculating step comprises the steps of: receiving and storing manufacturer item identifiers; receiving and processing a consumer ID; receiving and processing purchase data, wherein said purchase data comprises a retailejr item identifier; associating (said consumer ID, said purchase data, and a manufacturer item identifier; and determining said discount amount that is further dependent upon the step of associating said consumer ID, said purchase data, and said manufacturer item identifier.
15. The method! of claim 14. wherein said determining step comprises the step of performing an analysis that is further dependent upon at least one of: a retailer ID, a manufacturer ID, and a consumer profile.
16. The methoc of claim 14, wherein said determining step comprises the step of performing data analysis using at least one of: said consumer ID1 said purchase data, a retailer item identifier, said manufacturer item identifier, a retailer ID, said manufacturer ID, and a consumer profile.
76
Figure imgf000006_0001
21. A system configured to provide a discount to a consumer based solely upon said consumler purchasing an item using a financial account, said system comprising a host computer configured to:
I
77 receive a request from a point of sale device said Fequest including instructions to charge a transaction amount from a financial account; charge said (financial account said transaction amount for a particular transaction; | calculate sajd discount amount for said particular transaction; and, credit said financial account said discount amount for said particular transaction, whereby said consumer does not perform a secondary task to receive said discount amount.
I i 22. A computer-jimplemented method to facilitate providing a discount to a consumer comprisi(ng: receiving, atj a host computer, information relating to a point of sale purchase of an item by a consumer from a merchant, wherein said consumer purchases said iteiln at a purchase price, said purchase price being agreed upon between saicj consumer and said merchant; and charging, b$ said host computer, a financial account associated with said consumer an jamount less than said purchase price.
23. The computer-implemented method of claim 22, wherein said charging step comprises th^ step of operating said financial account by an entity other than said merchant
Figure imgf000007_0001
charging sajid financial account an amount less than said purchase
Figure imgf000007_0002
78 determining jthat said purchase is a qualifying purchase when said merchant previously agreed to discount said purchase price based upon discount rules associated with said qualifying purchase; and, charging saijd financial account in an amount less than said purchase price based upon discount rules associated with said qualifying purchase.
26. The computer-implemented method of claim 22, wherein said charging step comprises: ; receiving a fjequest from said merchant to charge said financial account in an amount equaj to said purchase price; determiniπgjthat said purchase is a qualifying purchase when said merchant previousjy agreed to discount said purchase price based upon discount rules associated with said qualifying purchase, said discount rules including at least ohe of type of item, type of business of said merchant, type of said consumer, status of said consumer, behavior of said consumer and at least one of qualifying UPC and qualifying SKU; and, charging said financial account in an amount less, than said purchase price based upon cjliscount rules associated with said qualifying purchase.
27. The method^ of claim 26, further comprising the step of: inputting onje or more discount programs into a graphic user interface associated with said host computer, wherein said discount rules comprise a portion of said discount program.
28. The computer-implemented method of claim 22 further comprising the step of issuing to said consumer a statement including information related to said amount less ψan said purchase price.
29. The compu|er-implemented method of claim 22, wherein said charging step comprises: ; receiving a (request from said merchant to charge said financial account in an amount equal to said purchase price; determining that said purchase is a qualifying purchase when at least one of said merchant, said consumer, a manufacturer and a financial
79 institution previously agreed to discount said purchase price based upon discount rules associated with said qualifying purchase; and, charging said financial account in an amount less than said purchase price based upon discount rules associated with said qualifying purchase. '.
30. The computφr-implemented method of claim 22 further comprising the step of providing overlay promotions.
31. The cornputpr-implemented method of claim 22, wherein said charging step comprises debiting said financial account an amount less than said purchase price basjed upon discount rules associated with said purchase.
80
PCT/US2005/030792 2004-08-30 2005-08-29 Card member discount system and method WO2006026600A2 (en)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US52219404P 2004-08-30 2004-08-30
US60/522,194 2004-08-30
US90788205A 2005-04-19 2005-04-19
US10/907,882 2005-04-19
US11/161,906 2005-08-22
US11/161,906 US20060053056A1 (en) 2001-03-29 2005-08-22 Card member discount system and method

Publications (3)

Publication Number Publication Date
WO2006026600A2 WO2006026600A2 (en) 2006-03-09
WO2006026600A3 WO2006026600A3 (en) 2006-05-18
WO2006026600B1 true WO2006026600B1 (en) 2006-07-13

Family

ID=36000684

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/030792 WO2006026600A2 (en) 2004-08-30 2005-08-29 Card member discount system and method

Country Status (2)

Country Link
US (1) US20060053056A1 (en)
WO (1) WO2006026600A2 (en)

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