WO2008058207A2 - Systeme de point de vente appliquant des totaux de transaction bases sur des criteres - Google Patents

Systeme de point de vente appliquant des totaux de transaction bases sur des criteres Download PDF

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Publication number
WO2008058207A2
WO2008058207A2 PCT/US2007/083968 US2007083968W WO2008058207A2 WO 2008058207 A2 WO2008058207 A2 WO 2008058207A2 US 2007083968 W US2007083968 W US 2007083968W WO 2008058207 A2 WO2008058207 A2 WO 2008058207A2
Authority
WO
WIPO (PCT)
Prior art keywords
payment
transaction
price
total
customer
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/US2007/083968
Other languages
English (en)
Other versions
WO2008058207A3 (fr
Inventor
Mohammed Elahi
Dan Horn
Philip Kim
Raymond Mcgaugh
Alex Suk
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Unicous Marketing Inc
Original Assignee
Unicous Marketing Inc
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
Priority claimed from US11/893,479 external-priority patent/US7578435B2/en
Application filed by Unicous Marketing Inc filed Critical Unicous Marketing Inc
Priority to CA002684489A priority Critical patent/CA2684489A1/fr
Priority to EP07864048A priority patent/EP2115683A4/fr
Publication of WO2008058207A2 publication Critical patent/WO2008058207A2/fr
Publication of WO2008058207A3 publication Critical patent/WO2008058207A3/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Definitions

  • the Present Invention relates generally to consumer point-of-sale (“POS") systems.
  • POS point-of-sale
  • the Present Invention is particularly useful in the context of electronic discount and coupon processing systems.
  • POS point-of-sale
  • cashier terminal which includes a scanner and a display to show the selling price of a product.
  • the scanner generally used with these POS systems will typically scan a bar code, or other similar indicator identifying the product, through the use of a laser reading device.
  • the display will illustrate both the individual product cost and a running total cost.
  • Payment interfaces typically allow a consumer to "swipe" a payment card, e.g., a credit or debit card, into an appropriate mechanism on the payment interface.
  • This swiping process more particularly consists of sliding a payment card through a receiving slot disposed on the payment interface such that the payment interface can obtain relevant information from the readable strip of magnetic tape located on the back of the payment card.
  • payment interfaces will also have a Personal Identification Number (“PIN”) interface, usually in the form of a typepad, that will allow the consumer to input a PIN, verifying that the consumer is the proper holder of the payment card.
  • PIN Personal Identification Number
  • the payment interface then receives the total transaction amount from the cashier terminal and processes the payment for that amount, directly through the network of the payment card issuer.
  • the payment interface then sends approval back to the cashier terminal, confirming a successful payment transaction. Alternatively, the processing of the payment may occur at the cashier terminal.
  • Such POS equipment is often configured to allow for the use of conventional paper coupons.
  • the use of conventional paper coupons to market and promote specific products is well known in the consumer sales industry.
  • Conventional paper coupons are commonly distributed by various means, such as newspaper inserts, postal mailings, etc., and are usually structured to provide a consumer with an incentive to buy a particular product.
  • Coupons provide a discount on the purchase price of a specific product that a manufacturer wants to promote.
  • the discount may be offered, for example, directly by listing the monetary value of the discount on the face of the coupon or indirectly by providing, for example, a percentage - or other - reduction or a premium if the consumer purchases a product (or, in some cases, a collection of products).
  • the premium may be an offer for a second - or subsequent - product at no cost, or the offer of another related (or unrelated) product.
  • Coupons are sometimes used by manufacturers to promote sales of products that may be overstocked or outdated. Additionally, coupons may be used to promote new products and build brand recognition or share. Finally, coupons allow the manufacturer of a product to offer a particular product at a reduced price without actually changing the list price for that product.
  • a merchant provides a coupon incentive to a consumer immediately, such as upon the completion of a sale/purchase transaction of a particular product.
  • the coupon incentive has been authorized by the manufacturer of the particular product.
  • the coupon incentive may be authorized by a third party specializing in the sponsorship of coupons.
  • the merchant may then redeem the coupon for cash or other consideration from the manufacturer. Because a merchant will commonly redeem a large number of coupons from a wide variety of manufacturers, coupon clearinghouses are usually employed to sort, separate, count and authenticate the coupons, as well as to submit each coupon to its authorizer/sponsor for reimbursement, and distribute at least a portion of the reimbursement back to the merchant.
  • the coupon clearinghouse will usually collect a commission, and reduce the reimbursement by this commission, based upon the value of the redeemed coupons.
  • currently-known paper coupon redemption systems comprise a very labor intensive process for both the manufacturer and the merchant. Additionally, the merchant must not only accept and grant credit for the coupons, but must also accept responsibility for physically transferring the coupons to a coupon clearinghouse.
  • conventional paper coupons may be effective in helping manufacturers dispose of merchandise, promote sales of overstocked or outdated products, promote new products and/or build brand recognition, the handling of such conventional paper coupons is burdensome and commonly subject to fraud, since conventional paper coupons may be easily duplicated, and the current system does not audit satisfactorily whether the conventional paper coupons were actually used by consumers in connection with the sale/purchase transaction for which the conventional paper coupons were issued.
  • Payment- method-discount-eligibility can also be used by payment card issuers to encourage consumers to pay with the issuer's card.
  • the payment interface does not enable payment totals to be automatically revised based on criteria such as form of payment, thus preventing the merchant from reliably and transparently using payment type as a discount criteria.
  • the Present Invention relates to a method and system for completing a retail transaction involving the purchase of one or more products by a consumer.
  • the Present Invention comprises the steps of determining a first transaction total price and a second transaction total price, for which the consumer is eligible upon the satisfaction of certain criteria.
  • the first total transaction price is sent from a cashier terminal to a payment interface.
  • Further information such as an indication of the method of payment presented to the payment interface, is sent from the payment interface to the cashier terminal.
  • the Present Invention determines whether the consumer is eligible for the second total transaction price by using the further information to determine if the required criteria are satisfied. If the criteria are satisfied, the cashier terminal then sends the second total price to the payment interface.
  • the step of determining the first transaction total price may be implemented by processing a plurality of products by retrieving prices associated with the products and summing the prices in order to obtain the first transaction total price.
  • the step of determining a second total transaction price may be accomplished by retrieving a plurality of individual discounts associated with the purchased products, and subtracting the sum of one or more of the discounts from the first total transaction price in order to obtain the second total transaction price.
  • the step of sending further information from the payment interface to the cashier terminal is accomplished by swiping a payment card through a slot interface located on the payment interface, receiving payment method information encoded on the payment card, and sending the payment method information to the cashier terminal.
  • the eligible form of payment can be selected from amongst a plurality of payment forms consisting of the eligible form of payment and forms of payment having transaction costs greater than the eligible form of payment.
  • the consumer receives an incentive to utilize a particular form of payment having lower transaction costs than other forms of payment.
  • the Present Invention can be implemented by a system that includes various means for performing the above-described steps.
  • the system may comprise a payment interface for obtaining payment information from a consumer, a communication channel for sending information describing the method of payment to a cashier terminal, which then sends a first total price, and a second total price depending upon the customer satisfying predetermined criteria, to the payment interface.
  • the system also includes a data interface, a POS backend and a display.
  • the POS backend can be used to retrieve prices and discounts for the items purchased by the consumer. Additionally, the POS backend can also be used to create an electronic file containing an indication of the items purchased by the consumer, the prices associated with each item and any discounts associated with each item that were applied.
  • Figure 1 is a block diagram of a point of sale system implementing criteria-based transaction totals
  • Figure 2 is a flowchart detailing a method of processing a discount for a customer at a checkout station.
  • discount processing system 3 comprises consumer display 6, payment interface 9, cashier terminal 12 and POS backend 21.
  • Cashier terminal 12 may additionally include a scanner, a keypad and a data interface, for interacting with POS backend 21.
  • POS backend 21 will be described in detail below, it should be noted that POS backend 21 may be used to create an electronic file, or database, containing the products purchased by a consumer, the individual prices associated with the products and any discounts associated with the products.
  • FIG. 2 illustrates one embodiment of the operation of discount processing system 3 of FIG. 1.
  • discount processing system 3 allows discounts to be applied to products purchased by a consumer based upon the type of payment chosen by the consumer. This discount is applied through a series of communications between cashier terminal 12 and payment interface 9. Specifically, while the products purchased by a customer items are being processed at cashier terminal 12 (Block 100), cashier terminal 12, through POS backend 21 , tabulates the total price for the products in two separate determination processes, one in which a total price is determined with any criteria-based discounts potentially applicable to the transaction, and one in which the total price is determined without such discounts (Block 1 10).
  • the determination of each of the total prices is made according to the following steps: First, as the consumer scans - or has scanned - each product, discount processing system 3 retrieves the price of each product, through the utilization of a database in which an identifying indicia corresponds to each product. In this instance, the database - or other similar entity - may be located on POS backend 21 , which may be accessed through a discount controller. Second, the prices of each product are summed. This results in the first total price, i.e., the total price which is determined without any potentially applicable criteria-based discounts. To achieve the second total price, discount processing system 3 retrieves one or more individual discounts associated with the product and subtracts the sum of the discounts from the first total price to obtain the second total price.
  • the retrieval aspect of the second total price may involve access of POS backend 21.
  • the consumer is preferably presented with two total prices via consumer display 6: A first total price without the discount, and a second total price applying the discount that would be available if the consumer meets any applicable criteria, such as an eligible form of payment (Block 120).
  • the first total price is sent to payment interface 9.
  • payment interface 9 transmits information indicating the form of payment to cashier terminal 12 (Block 140). Transmittal of the information may occur through the use of swiping a payment card through a slot located on payment interface 9. Payment interface 9 then preferably transmits the information to cashier terminal 12. Alternatively, the slot may be located on cashier terminal 12. In this instance, payment interface 9 does not need to transmit the information to cashier terminal 12.
  • cashier terminal 12 determines whether the transaction is eligible for a discount based on the payment type presented. For example, if the merchant is able to process debit card transactions less expensively than credit card transactions, the merchant may make the discounts available only to consumers who pay with debit cards.
  • cashier terminal 12 sends the second total price to payment interface 9 (Block 160). The payment is then processed through the proper networks using the second total price (Block 170). If the consumer chooses not to pay with an eligible form of payment, cashier terminal 12 does not send back a revised total and the first total price is then processed (Block 180). After the payment is processed, payment interface 9 sends confirmation of the payment back to cashier terminal 12 (Block 190), completing the transaction.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

La présente invention consiste à déterminer un premier prix total de transaction et un deuxième prix total de transaction auquel le consommateur a droit s'il répond à certains critères. Le premier prix total de transaction est envoyé d'un terminal de caisse à une interface de paiement. D'autres informations, telles qu'une indication du mode de paiement présenté à l'interface de paiement, sont envoyées de l'interface de paiement au terminal de caisse. L'invention consiste ensuite à déterminer si le consommateur a droit au deuxième prix total de transaction au moyen de ces informations complémentaires qui permettent de déterminer si les critères établis sont respectés. Si tel est le cas, le terminal de caisse envoie ensuite le deuxième prix total à l'interface de paiement.
PCT/US2007/083968 2006-11-07 2007-11-07 Systeme de point de vente appliquant des totaux de transaction bases sur des criteres Ceased WO2008058207A2 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA002684489A CA2684489A1 (fr) 2006-11-07 2007-11-07 Systeme de point de vente appliquant des totaux de transaction bases sur des criteres
EP07864048A EP2115683A4 (fr) 2006-11-07 2007-11-07 Systeme de point de vente appliquant des totaux de transaction bases sur des criteres

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US86472706P 2006-11-07 2006-11-07
US60/864,727 2006-11-07
US11/893,479 2007-08-16
US11/893,479 US7578435B2 (en) 2004-02-05 2007-08-16 Couponing system

Publications (2)

Publication Number Publication Date
WO2008058207A2 true WO2008058207A2 (fr) 2008-05-15
WO2008058207A3 WO2008058207A3 (fr) 2008-06-26

Family

ID=41153255

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/083968 Ceased WO2008058207A2 (fr) 2006-11-07 2007-11-07 Systeme de point de vente appliquant des totaux de transaction bases sur des criteres

Country Status (4)

Country Link
EP (1) EP2115683A4 (fr)
CN (1) CN101636755A (fr)
CA (1) CA2684489A1 (fr)
WO (1) WO2008058207A2 (fr)

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8930270B2 (en) * 2002-07-30 2015-01-06 Aol Inc. Smart payment instrument selection
US7409358B2 (en) * 2003-02-21 2008-08-05 First Data Corporation Methods and systems for coordinating a change in status of stored-value cards
US7707110B2 (en) * 2004-05-04 2010-04-27 First Data Corporation System and method for conducting transactions with different forms of payment
TW200537338A (en) * 2004-05-14 2005-11-16 Hui-Kang Tang Pricing system and method for multiple discounts

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See references of EP2115683A4 *

Also Published As

Publication number Publication date
CN101636755A (zh) 2010-01-27
EP2115683A4 (fr) 2011-11-09
WO2008058207A3 (fr) 2008-06-26
CA2684489A1 (fr) 2008-05-15
EP2115683A2 (fr) 2009-11-11

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