CN101647038A - 来自多个实体的优惠券优惠 - Google Patents

来自多个实体的优惠券优惠 Download PDF

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CN101647038A
CN101647038A CN200780050662A CN200780050662A CN101647038A CN 101647038 A CN101647038 A CN 101647038A CN 200780050662 A CN200780050662 A CN 200780050662A CN 200780050662 A CN200780050662 A CN 200780050662A CN 101647038 A CN101647038 A CN 101647038A
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M·卡尔森
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Visa USA Inc
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    • H—ELECTRICITY
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    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • 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

来自多个实体的优惠向消费者提供以对优惠提供者有益的方式行动的激励。每一项优惠都与规则相关联，这些规则设立为了使优惠有效而必须满足的条件。例如，可设立促进使用诸如特定信用卡等特定支付形式的规则。由此，优惠将只在消费者使用该特定信用卡来为商品付费的情况下有效。商家可生成其自己的优惠或从各个源(例如，支付处理组织、发行方或其他外部源)接收优惠。

Description

来自多个实体的优惠券优惠
相关申请的交叉引用
本申请要求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结合于此。
背景
优惠券是在购买产品时可交换财务折扣或回扣的票据或凭证。优惠券提供了一种促进商品和服务的销售的流行方法。通常，优惠券由消费包装商品的制造商或零售商来发放以便在零售商店中作为促销手段的一部分来使用。优惠券通常通过邮件、杂志、报纸、因特网和诸如蜂窝电话等移动设备来广泛地分发。
为了兑现优惠券，消费者向零售商店处的收银员呈现要购买的商品。在为购买而扫描商品后，消费者向收银员提供该优惠券。该收银员然后在收银机处扫描该优惠券或用键盘输入该优惠券的信息。常规优惠券仅将有限的信息量中继给收银机。中继给收银机的数据的示例包括优惠券编号、截止日期、所兑现的优惠券的数量以及优惠券所适用的产品。收银机使用该信息来访问本地数据库并且接受或拒绝优惠券所提供的优惠。将对应于所接受优惠的优惠券应用于对应商品。
优惠券通常由商家和制造商来发放以促销特定商品。然而，其他实体也可能希望影响消费者行为。需要一种用于向诸如商家、支付处理组织和发行方等不同实体提供用于向消费者提供优惠的手段的方法。
简要概述
本发明的各实施例涉及向消费者提供来自多个实体的优惠券优惠。这些优惠激励消费者以对优惠提供者有益的方式行动。每一项优惠都与规则相关联，这些规则设立为了使优惠有效而必须满足的条件。例如，可设立鼓励使用诸如特定信用卡等特定支付形式的规则。由此，优惠将只在消费者使用该特定信用卡来为商品付费的情况下有效。商家可生成其自己的优惠或从各个源(例如，支付处理组织、发行方或其他外部源)接收优惠。这些优惠在本发明的各实施例中可实时或在交易期间生成。
说明性地，消费者在商店中购买商品。商家计算机(例如，收银机)取得与要购买的商品相关联的SKU或条形码值，或者将与要购买的商品相关联的数据被手动输入到商家计算机中。消费者提供至少一个优惠券，该优惠券可被扫描或手动输入到商家计算机中。服务器计算机与商家计算机以及与提供该优惠券的实体相关联的计算机进行通信以确定是否满足与该优惠券相关联的规则。如果满足规则，则从要购买的商品的总价中减去该优惠券所提供的节省金额。然后向消费者呈现新的总价。
在一说明性示例中，消费者可具有提供使用特定支付形式来购买商品的激励的优惠券。例如，要购买的商品可与应用于现金支付的一个总价、在使用支付处理组织所提供的卡(例如，维萨(Visa)卡)来进行支付的情况下的较低总价、以及在用特定发行方的信用卡来完成支付的情况下的另一较低总价相关联。在收银机处扫描商品之后，消费者提交在使用特定信用卡的情况下提供折扣优惠的优惠券。消费者然后可在与该收银机相关联的销售点终端处刷该特定信用卡。商家计算机访问与优惠提供者相关联的计算机以确定是否满足与该优惠相关联的规则。例如，商家计算机访问与该特定信用卡发行方相关联的计算机中的规则引擎，以确定消费者在该销售点刷的信用卡对应于该特定信用卡。在规则引擎确定与该优惠相关联的规则得到满足后，在该销售点终端处向消费者呈现打折的总价。该销售点终端还可提示消费者提交支付。消费者然后选择为商品付费从而向该特定信用卡收取打折的总价。
本发明的一个实施例涉及一种方法，包括在交易期间接收消费者标识符和优惠。当满足与优惠相关联的规则时，从诸如支付处理组织或发行方等提供该优惠的实体处接收经确认的优惠。该优惠基于该消费者标识符来确认。接收对有效优惠的选择以完成交易。
本发明的另一实施例涉及一种方法，包括在交易期间接收对应于消费者的优惠和消费者标识符以及接收经确认的优惠。该优惠由提供该优惠的实体在与该优惠相关联的规则得到满足时确认。该优惠基于该消费者标识符来确认。接收对经确认的优惠的选择以完成交易。
本发明的另一实施例涉及一种系统，包括接入设备以及与该接入设备进行通信的服务器计算机。该接入设备或服务器计算机被配置成：在与该接入设备和服务器计算机进行交易期间接收消费者标识符和优惠；从提供该优惠的实体处接收经确认的优惠，其中该优惠在与该优惠相关联的规则得到满足时被确认，该优惠基于消费者标识符来确认，其中该实体是支付处理组织或发行方；以及接收对有效优惠的选择以完成该交易。
以下将更详细地描述本发明的这些和其它实施例。
附图简述
图1示出了根据本发明实施例的用于向消费者提供来自多个实体的优惠的系统的示例性框图。
图2示出了根据本发明一实施例的可存在于移动电话中的某些元件的示例性框图。
图3示出了根据本发明一实施例的可存在于服务器计算机中的某些元件的示例性框图。
图4示出了根据本发明一实施例的可存在于接入设备中的某些元件的示例性框图。
图5示出了根据本发明实施例的用于向消费者提供优惠的方法的流程图。
图6示出了根据本发明一实施例的基于特定支付方法来显示不同总价的接入设备的屏幕截图。
详细描述
不同实体可能出于不同的原因来试图影响消费者行为。例如，第一方可包括发行银行，其可能只关心正在使用的信用卡是否由该发行银行发行。第二方可包括支付处理组织(例如，Visa、第三方处理组织等)，其可能只关心是否使用该支付处理组织的卡。第三方可以是商家，其可能只关心是否在该商家处进行购买。
本发明的各实施例可用于在交易期间引入不同类型的优惠券优惠或其他类型的优惠。这些优惠可包括发行方优惠券、支付处理组织优惠券(例如，收单方优惠券)、商家优惠券、制造商优惠券等。
根据本发明的各实施例，销售点终端被配置成仅在满足适当的规则的情况下提供和/或兑现优惠券。例如，支付处理组织优惠仅在使用印有支付处理组织标记的信用卡的情况下才可由消费者兑现或提供给消费者。在另一示例中，发行方(例如，花旗银行)可在消费者使用发行方专用信用卡的情况下提供或兑现优惠。响应于接收到来自商家、支付处理组织或发行方的各种优惠，消费者然后可基于提供给该消费者的最佳优惠、和/或所提供的用于鼓励消费者购买特定产品的优惠来选择特定支付形式。
来自不同实体的优惠券优惠的一些具体示例将在以下提供。在本发明的某些实施例中，这些不同类型的优惠可由单个接入设备(例如，销售点终端)来处理，或可由服务器计算机(例如，驻留在支付处理组织处或另一地点)来处理。该接入设备或服务器计算机可在支付交易期间与这些实体中的每一个进行通信以确定哪些优惠是有效的。
·合伙商家发放的优惠：此处，商家设置优惠目标。尽管商家可能关心所使用的支付形式的类型(例如，现金对比信用卡)，但商家一般不关心消费者所使用的支付品牌，只要该消费者接受该支付品牌即可。商家的目标是说服消费者购买该商家的产品或服务，并且可能购买特定产品或服务(例如，库存过多的物品)。
·支付处理组织(例如，收单方)发放的优惠：支付处理组织的目标可能是增加品牌使用率。支付处理组织可能仅在消费者用印有该支付处理组织的服务标记的便携式消费设备来支付的情况下提供并兑现优惠。
·发行方发放的优惠：发行方一般不关心便携式消费设备所关联的特定支付处理组织。例如，诸如美国银行等发行方可发行使用Visa和Mastercard(万事达卡)品牌的信用卡。通常，发行方可能较不关心消费者是使用印有Visa标记的信用卡还是使用印有Mastercard标记的信用卡，只要消费者使用美国银行所发行的卡即可。
如此处所使用的，“交易”可包括，但不限于消费者已选择要购买的商品或服务并准备好为其付费的时间。例如，示例性交易可包括消费者在食品杂货店中选择要购买的产品并且所选产品在诸如收银机等销售点终端处扫描的时间。消费者还在该销售点终端处提供至少一张优惠券。消费者在该销售点终端处通过例如扫锚诸如信用卡或借记卡等便携式消费设备来标识。然后可将该经扫描的信息(例如，SKU，即库存单位；NLU，即优惠券标识号；标识消费者的账号等)发送到服务器计算机。服务器计算机然后可与关联于优惠的实体(例如，商家、支付处理组织以及各发行方)进行通信以确定与该优惠相关联的规则是否得到满足。如果规则得到满足，则将该优惠应用于将要购买的商品(例如，向消费者呈现降低的总价)。
说明性地，本发明的各实施例涉及来自各种不同实体的、提供影响消费者行为的激励的优惠。每一项优惠都与特定规则相关联，这些规则设立为了使优惠有效而要满足的条件。商家从各个源(例如，收单方、发行方或其他外部源)接收优惠。商家还可生成其自己的优惠来提供给消费者。
消费者在商店中选择商品之后，该消费者走进销售点终端(例如，收银机或自助结账终端)以扫描商品或以其他方式将商品输入到商家计算机中。消费者还提供消费者标识符(例如，信用卡号、别名、电子邮件地址等)以使得可确定该消费者的身份。商家计算机取得与所扫描商品相关联的SKU或条形码值以及与该消费者标识符相关联的任何信息。消费者还提供可应用于该交易的至少一个优惠。服务器计算机与关联于该优惠的实体(例如，商家计算机、收单方计算机和/或各发行方计算机)进行通信以确定与该优惠相关联的规则是否得到满足。如果与该优惠相关联的规则得到满足，则确认该优惠并在销售点终端处向消费者呈现打折的总价。该销售点终端还可提示消费者提交支付。消费者然后选择为商品付费。
图1示出了根据本发明实施例的用于向消费者提供来自多个实体的优惠的系统的示例性框图。该系统包括商家100以及与商家100相关联的收单方110。在典型的支付交易中，消费者120可使用便携式消费设备130或移动电话140来在商家100处购买商品或服务。图2示出了根据本发明一实施例的可存在于移动电话140中的某些元件的示例性框图。收单方130可经由具有服务器计算机165的支付处理网络160来与发行方(A、B和C)150、152、154进行通信。
收单方130通常是具有商家账户的银行。发行方150、152、154各自也可以是银行，但可以是诸如零售商店等任何商业实体。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。每一个发行方150、152、154都可操作其自己的服务器计算机(未示出)，这些服务器计算机可具有包括用于执行发行方150、152、154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发行方数据库(未示出)可有效地耦合到服务器计算机165。
消费者120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130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，从而使其能够适于放入消费者的钱包和/或口袋。示例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、非接触式卡(例如，RFID卡)、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)。
支付处理网络160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(Visa集成支付系统)以及执行清算和结算服务的Base II系统。
支付处理网络160的服务器计算机165通常是强大的计算机或计算机群。例如，服务器计算机165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165可以是耦合到web服务器的数据库服务器。图3示出了根据本发明的一实施例的可存在于服务器计算机165中的某些元件的示例性框图。支付处理网络160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100包括接入设备102，其可与便携式消费设备130和移动电话140交互。图4示出了根据本发明一实施例的可存在于接入设备102中的某些元件的示例性框图。商家还包括耦合到接入设备102的收银机104。
在典型的购买交易中，消费者120使用便携式消费设备130来在商家100处购买商品或服务。消费者的便携式消费设备130与接入设备102交互。例如，消费者120可将信用卡刷过接入设备102的读取器。或者，该读取器可包括非接触式读取器，并且便携式消费设备130可以是诸如移动电话140等非接触式设备。
授权请求消息然后被转发给收单方110。在接收到该授权请求消息之后，收单方110将该授权请求消息发送到支付处理网络160。服务器计算机165将该授权请求消息转发给便携式消费设备130的发行方150、152或154。
在发行者150、152或154接收到该授权请求消息之后，该发行方150、152或154将授权响应消息发回到支付处理网络160以指示当前交易是否已获授权。服务器计算机165将该授权响应消息转发回收单方110。收单方110将响应消息发回到商家100。
在商家100接收到该授权响应消息之后，接入设备102可向消费者120提供该授权响应消息。可将该授权响应消息显示在触摸屏上或将其打印在收据上。
在营业日结束时，支付处理网络160可进行清算和结算过程。该清算过程在收单方110和发行方150、152、154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。
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。
根据本发明的实施例，以下参考图1来描述用于向消费者提供来自多个实体的优惠券优惠的系统。优惠可由商家100、收单方110、发行方150、152、154，或诸如由商家100提供以便销售的商品的制造商等寻求影响消费者行为的任何其他实体来提供。
每一个发行方150、152、154都可提供优惠。收单方110也可生成优惠。商家100可从诸如提供商品以供在商家100处销售的制造商等其他外部源接收优惠。商家100还可生成其自己的优惠以提供给消费者120。在一个实施例中，商家100决定接受哪些优惠并拒绝哪些优惠。例如，收单方优惠可能与发行方优惠相冲突。因此，商家100可决定只向消费者提供收单方优惠。
每一项优惠都与一条或多条规则相关联。这些规则设立为了使优惠有效而要满足的条件。例如，可向消费者提供只在该消费者使用特定信用卡时才有效的优惠。通过使用对应于该优惠的信用卡，消费者可收到所购买商品的降低价格或诸如飞行常客点数(frequent flyer point)等其他激励。在另一示例中，规则可规定优惠只在特定时间段内有效。具体而言，为了向消费者提供在非高峰时段购物的激励，优惠可对应于一天中的特定时间(例如，零售商店营业的头两个小时)。在另一实施例中，优惠可对应于结合一星期或一个月中的特定日子的消费者的身份(例如，这个月的第三个星期二的老年人折扣)。类似地，可在季节结束后提供针对季节性物品的优惠。例如，夏季商品折扣可以在九月和十月期间有效以抛售库存过多的物品。
消费者120通过扫描可在商家100处购买的商品来发起交易。例如，在零售商店处选择要购买的商品之后，消费者120可走向收银员或自助结账终端以便为物品付费。交易可以在消费者120或收银员使用收银机104来扫描要购买的物品或输入要购买的物品的信息时发起。任何优惠券或其他优惠也可使用收银机104或接入设备102来提交。例如，可在收银机处扫描纸质优惠券，并且可向接入设备102提供存储在移动电话140上的电子优惠。
在交易期间提供消费者标识符来标识消费者。在一个实施例中，消费者120在接入设备102处通过移动电话140来标识。在另一实施例中，消费者120通过在接入设备102处扫描便携式消费设备130(例如，信用卡、与商家相关联的储蓄卡、非接触式卡等)来标识。消费者标识符可对应于与所扫描的支付卡相关联的账号。在另一实施例中，消费者120通过在接入设备102处使用触摸屏或某一其他输入/输出设备来输入个人识别码来标识自己。
在将消费者标识符和物品信息输入到接入设备102中之后，确认优惠。接入设备102标识与适用优惠相关联的实体，并且然后可将适当的消息路由至该与适用优惠相关联的实体。这样做的逻辑可驻留在接入设备102中的硬件和/或软件中，或在接入设备102可访问的计算机(例如，后端商家计算机)处。在一个实施例中，不止一个优惠可应用于同一物品。如果优惠与商家100相关联，则在商家100处确认该优惠以确定是否满足适用于该优惠的规则。如果优惠与收单方110相关联，则将该优惠和消费者标识符转发给收单方110并确定该优惠是否有效。类似地，如果优惠是由发行方150、152、154提供的，则经由服务器计算机165来将该优惠和消费者标识符转发给对应的发行方150、152、154以确定该优惠的有效性。在一个实施例中，优惠在满足优惠条款时确认。这可通过将关联于优惠的条件与规则引擎(未示出)进行匹配来完成。规则引擎可位于商家100、收单方110、服务器计算机165和/或发行方150、152、154处。
例如，发行方所提供的优惠可仅在消费者120购买三个或更多数量的特定物品的情况下有效。在消费者120向接入设备102提供优惠指示符(例如，电子优惠券编码)之后，接入设备102从来自经由服务器计算机165提供该优惠的发行方的规则引擎中取得三个或更多物品规则，并且然后访问收银机104以标识是否购买了三个或更多物品。该优惠将不会在购买少于三个该物品的情况下得到确认。
在一个实施例中，不止一条规则可适用于一优惠。例如，优惠可仅在与特定支付形式相关联的账户余额多于预定数额时对该特定支付形式有效。因此，如果消费者120使用不同的支付形式或者如果与有效支付形式相关联的账户余额少于预定数额，则将不会确认该优惠。
任何数量的规则可与任何优惠相关联。示例规则包括：支付类型、一天中的时间、一星期中的日子、一个月中的日子、一年中的月份、要购买的物品总数、要购买的特定物品的数量、消费者特性(例如，年龄、性别、居住地址、收入水平)等。如本领域普通技术人员可以理解的，该示例规则列表并非是穷举性的，并且其他规则可与优惠相关联而不背离本发明的实施例的精神和范围。
根据一种优惠类型，优惠可以与消费者120惯用于标识自己的便携式消费设备130的类型相关联。该优惠通过确定消费者在接入设备102处刷的信用卡对应于关联于该优惠的信用卡来确认。在一个实施例中，接入设备102可显示打折的金额以提供使用与该优惠相关联的信用卡来支付的激励。由此，提示用户使用先前所刷的信用卡来提交支付。或者，可通知消费者120该折扣将应用于该消费者的月度信用卡对账单。
在一个实施例中，接入设备102可基于消费者120所使用的支付形式来显示不同的金额。具体而言，接入设备102可在使用特定信用卡的情况下显示一个金额、在使用不同信用卡的情况下显示另一个金额以及在用现金、支票或借记卡来进行支付的情况下显示又一金额。消费者120然后在接入设备102处选择支付方法。如果消费者120在接入设备102处呈现新的支付形式(例如，先前未在商家100处使用过的信用卡)，则将与该新支付形式相关联的信息存储在商家100处。由此，如果日后使用相同的支付形式，则接入设备102将认识消费者120并可提供与该支付形式相关联的优惠。
在另一示例中，优惠可基于消费者120已选择购买的特定物品来提供诸如免费或打折物品、或奖励点数等激励。具体而言，消费者120可购买研磨咖啡并且接入设备102将该产品信息提供给寻求向购买咖啡的消费者提供优惠的发行方。该发行方然后在接入设备102处向消费者120提供在附近的咖啡零售商处领取免费的一杯咖啡的优惠。消费者120可在接入设备102处接受该优惠。在一个实施例中，所接受的优惠数量是有限的。例如，针对免费杯装咖啡的优惠可限于任意给定一天中的三十个已接受优惠。
接入设备102将消费者120所提供的支付信息发送到收银机104以完成购买交易。接入设备102可开始协调对优惠的汇兑(remit)。例如，如果优惠是由发行方150、152或154提供的，则商家100可向该发行方请求对应于优惠的金额(例如，打折的金额)并取得该金额。在一个实施例中，优惠汇兑在一天结束时在清算和结算过程期间进行。
图2示出了移动电话140的某些组件的框图。电话140可包括计算机可读介质200和机壳210。计算机可读介质200可存在于主体210中，或者可与其分离。主体210可以是塑料衬底、外壳或其他结构的形式。计算机可读介质200可以是存储数据的存储器并且可以是包括磁条、存储器芯片在内的任何合适的形式。
计算机可读介质200可包括用于执行此处所描述的功能中的任一个的代码。例如，计算机可读介质200可包括用于在接入设备处标识消费者的代码。计算机可读介质200还可包括用于与接入设备进行通信以标识对应于由电话140扫描的物品的优惠的代码。
电话140还可包括非接触式元件220，其通常以具有诸如天线等相关联的无线传输(例如，数据传输)元件的半导体芯片(或其他数据存储元件)的形式实现。经由蜂窝网络发送的数据或控制指令可通过非接触式元件接口(未示出)来应用于非接触式元件220。该非接触式元件接口用于准许在移动设备电路(并因此蜂窝网络)和非接触式元件220之间交换数据和/或控制指令。
非接触式元件220能够使用通常根据标准化协议或数据传输机制(例如，ISO 14443/近场通信(“NFC”))的NFC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、红外线或可用于在电话140与支付处理网络160或接入设备102之间交换数据的其他数据传输能力等。由此，电话140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。
电话140还可包括处理器230(例如，微处理器)和显示器240，前者用于处理电话140的功能，而后者用于允许消费者查看与可购买物品相关联的优惠以及其他信息和消息。电话140还可包括输入元件250，其用于允许用户将信息输入到电话140中；扬声器260，其用于使用户能听到语音通信、音乐等；以及话筒270，其用于使用户能通过电话140来传送她的话音。电话140还可包括用于无线数据传送(例如，数据传输)的天线280。
图3示出了根据本发明一实施例的可存在于服务器计算机165中的某些元件的示例性框图。图3所示的子系统经由系统总线300来互连。示出了诸如打印机310、键盘320、固定磁盘330、耦合到显示适配器350的监视器340等其他子系统。耦合到输入/输出(I/O)控制器360的外围设备和I/O设备可通过诸如串行端口370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370或外部接口380可用于将计算机装置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300的互连使中央处理器390能与每一个子系统进行通信并控制来自系统存储器395或固定磁盘330的指令的执行，以及各子系统之间的信息交换。系统存储器395和/或固定磁盘330可具体化计算机可读介质。
图4示出了根据本发明一实施例的可存在于接入设备102中的某些元件的示例性框图。接入设备102可包括处理器400、有效耦合到处理器400的计算机可读介质410、网络接口420、输出设备430、读取器440和键区450。
处理器400可具体化为一个或多个微处理器，并且计算机可读介质410可使用任何合适的电子、磁性或光学数据存储装置。计算机可读介质410可存储用于执行接入设备102的功能的计算机代码。例如，计算机可读介质410可存储用于在交易期间或甚至在交易之前，在其接收到诸如支付卡账号等消费者标识符之后与消费者的便携式消费设备、与该消费者的便携式消费设备相关联的支付处理组织、销售要购买物品的商家以及该物品的制造商进行通信的指令或代码。
网络接口420可以是将使接入设备102能与外部装置进行通信的任何合适的接口。网络接口420使接入设备102能与收单方110和支付处理网络160进行通信。
读取器440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诸如信用卡或借记卡等便携式消费设备130交互的RF(射频)天线、磁条读取器等。读取器440可用于将帐单信息输入到接入设备102中。
键区450可以是与销售点终端相关联的普通键区。键区450可具体化为多个可按压的按钮，或者可被包含在显示器上的触摸屏上。键区450可用于将账单信息输入到接入设备102中。
图5示出了根据本发明实施例的用于向消费者提供优惠的方法的流程图。优惠可由寻求向消费者提供购买产品或服务、在特定时间购物、使用特定支付形式的激励或以其他方式影响消费者行为的任何实体来提供。每一项优惠都与一条或多条不同规则相关联，这些规则设立为了使优惠有效而要满足的条件。
优惠可与发行方相关联。收单方也可生成优惠。商家可生成优惠以提供给消费者。优惠也可从诸如产品制造商或诸如支付处理组织等服务提供商等其他外部源提供给商家。优惠提供者确定哪些规则适用于优惠。在一个实施例中，商家确定向消费者提供哪些优惠以及拒绝哪些优惠。例如，如果外部源和商家提供针对同一物品的优惠，则该商家可拒绝确认该外部源优惠以推销其自己的针对该物品的优惠。
消费者在零售商店购买商品。消费者或收银员在销售点终端(例如，收银机或自助结账终端)处扫描商品(步骤500)。经由条形码读取器或通过直接将物品信息键入到收银机中来输入对应于要购买物品的信息。
在销售点终端处使用接入设备或移动电话来标识消费者(步骤510)。例如，消费者可使用消费者标识符(例如，移动电话唯一标识符或与支付卡相关联的账号)来标识自己。消费者标识符还可在销售点终端处作为例如个人识别号来直接输入。
消费者可向接入设备提供优惠(步骤520)。优惠可以是纸质优惠券、存储在移动设备上的电子优惠券或可在商家处提供的任何其它类型的优惠。
然后基于与优惠相关联的规则来确认优惠(步骤530)。优惠通过访问与提供该优惠的实体相关联的规则引擎以确保满足规则所设立的条件来确认。根据一种类型的优惠，确定供标识消费者的信用卡是否对应于适用于该优惠的信用卡。如果信用卡不对应，则不确认该优惠。因此，消费者无法利用与该优惠相关联的激励。在另一示例中，可设立为特定消费者提供优惠的规则。在从提供优惠的实体的规则引擎中取得规则之后，确定消费者是否对应于该优惠的目标消费者。说明性地，优惠可能只对住在特定地理位置内的消费者有效。由此，优惠直到消费者的当前居住地址得到验证后才得到确认。
在一个实施例中，使用诸如支付卡账号等消费者标识符来确认与消费者相关联的优惠。例如，接入设备可接收诸如支付卡账号等消费者标识符，并且可与关联于该支付卡账号的发行方进行通信。然后可将关于消费者的身份的信息从发行方发送到接入设备。该接入设备可将消费者标识为年龄超过六十五岁。由此，与老年人相关联的任何优惠都将得到确认。
在确认优惠(或确认无效)后，向消费者呈现有效优惠(步骤540)。适用的优惠可通过例如接入设备或移动电话来提供给消费者。根据一种类型的优惠，接入设备或移动电话可显示适用于消费者的优惠以及选择购买的商品。根据另一种类型的优惠，如图6所示，接入设备102的输出设备430在使用与特定支付处理组织(例如，支付处理组织Z)相关联的支付卡的情况下显示一个金额、在使用由特定发行方(例如，发行方A)发行的支付卡的情况下显示另一金额、在使用由特定发行方和特定支付处理组织发行的特定支付卡的情况下显示另一金额，以及在用现金或支票来进行支付的情况下显示又一金额。消费者然后可选择特定支付形式来接受优惠(例如，使用印有发行方A和支付处理组织Z的标记的卡来支付)或可选择拒绝优惠(例如，用现金支付)。
消费者选择要接受的有效优惠并为商品付费(步骤550)。例如，通过使用接入设备上的触摸屏，消费者可选择对应于用来标识该消费者的支付卡的优惠以接受将在使用该支付卡来进行支付时应用的打折金额。在另一示例中，消费者可选择用于对与所购买物品相关联的商品或服务打折的优惠券。
通过向提供优惠的实体请求与激励相关联的支付来汇兑有效优惠(步骤560)。例如，如果优惠是由发行方提供的，则商家可向该发行方请求对应于优惠的金额(例如，打折的金额)并取得该金额。在一个实施例中，优惠汇兑在一天结束时在清算和结算过程期间进行。
如从以上描述可以看出，本发明的实施例具有多个优点。例如，多个实体可向消费者提供优惠券。优惠券优惠提供以有益于优惠提供者的方式影响消费者行为的激励。可设立优惠以提供非传统激励的优惠。这些优惠可以是发行方优惠券、收单方优惠券、商家优惠券或来自其他外部源(例如，商家所销售商品的制造商、位于商家附近的其他零售商)的优惠券。优惠提供者将优惠与特定规则相关联，这些规则设立为了使优惠有效而要满足的条件。接入设备被配置成仅在满足规则的情况下提供或兑现优惠券。
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，本领域普通技术人员将理解并认识到使用硬件与硬件和软件的组合来实现本发明的其它方式和/或方法。
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 (20)

1.一种方法，包括：
在交易期间接收消费者标识符和优惠；
从提供所述优惠的实体接收经确认的优惠，其中所述优惠在与所述优惠相关联的规则得到满足时确认，所述优惠基于所述消费者标识符来确认，其中所述实体是支付处理组织或发行方；以及
接收对所述有效优惠的选择以完成所述交易。
2.如权利要求1所述的方法，其特征在于，接收所述消费者标识符和接收所述对有效优惠的选择由销售点终端来执行，并且其中所述交易是支付交易。
3.如权利要求1所述的方法，其特征在于，接收所述经确认的优惠由销售点终端或与所述销售点终端进行通信的计算机来执行，并且其中所述销售点终端或计算机被配置成与商家、所述发行方和所述支付处理组织中的至少两个进行通信以确定由所述商家、所述发行方和所述支付处理组织提供的优惠是否是有效的。
4.如权利要求1所述的方法，其特征在于，还包括接收产品标识符，其中所述产品标识符与消费者已使用便携式消费设备来购买的产品相关联，并且其中所述优惠与所述产品相关。
5.如权利要求1所述的方法，其特征在于，所述优惠与消费者相关联。
6.如权利要求1所述的方法，其特征在于，所述消费者标识符是与便携式消费设备相关联的标识符。
7.如权利要求6所述的方法，其特征在于，所述便携式消费设备是支付卡。
8.如权利要求1所述的方法，其特征在于，所述消费者标识符是与关联于消费者的便携式消费设备相关联的账号。
9.如权利要求1所述的方法，其特征在于，所述便携式消费设备是无线电话。
10.一种计算机可读介质，包括：
用于在交易期间接收消费者标识符和优惠的代码；
用于从提供所述优惠的实体接收经确认优惠的代码，其中所述优惠在与所述优惠相关联的规则得到满足时确认，所述优惠基于所述消费者标识符来确认，其中所述实体是支付处理组织或发行方；以及
用于接收对所述有效优惠的选择以完成所述交易的代码。
11.如权利要求10所述的计算机可读介质，其特征在于，还包括用于接收产品标识符的代码，其中所述产品标识符与消费者已使用便携式消费设备来购买的产品相关联，并且其中所述优惠与所述产品相关。
12.一种包括如权利要求10所述的计算机可读介质的接入设备。
13.一种包括如权利要求10所述的计算机可读介质的服务器计算机。
14.一种方法，包括：
在交易期间接收对应于消费者的优惠和消费者标识符；
接收经确认的优惠，其中所述优惠由提供所述优惠的实体在与所述优惠相关联的规则得到满足时确认，所述优惠基于所述消费者标识符来确认；以及
接收对所述经确认优惠的选择以完成所述交易。
15.如权利要求14所述的方法，其特征在于，接收所述优惠、接收所述经确认的优惠以及接收所述选择由销售点终端来执行，并且其中所述销售点终端或与所述销售点终端进行通信的计算机被配置成与商家、发行方和支付处理组织中的至少两个进行通信以确定由所述商家、所述发行方和所述支付处理组织提供的优惠是否是有效的。
16.如权利要求15所述的方法，其特征在于，所述优惠与所述消费者要购买的产品的产品标识符相关。
17.一种计算机可读介质，包括：
用于在交易期间接收对应于消费者的优惠和消费者标识符的代码；
用于接收经确认优惠的代码，其中所述优惠由提供所述优惠的实体在与所述优惠相关联的规则得到满足时确认，所述优惠基于所述消费者标识符来确认；以及
用于接收对所述经确认优惠的选择以完成所述交易的代码。
18.一种包括如权利要求17所述的计算机可读介质的接入设备。
19.一种系统，包括：
接入设备；
与所述接入设备进行通信的服务器计算机，
其中所述接入设备或所述服务器计算机被配置成：
在用所述接入设备和所述服务器计算机来进行的交易期间接收消费者标识符和优惠；
从提供所述优惠的实体接收经确认优惠，其中所述优惠在与所述优惠相关联的规则得到满足时确认，所述优惠基于所述消费者标识符来确认，其中所述实体是支付处理组织或发行方；以及
接收对所述有效优惠的选择以完成所述交易。
20.如权利要求19所述的系统，其特征在于，所述交易是支付交易。
CN200780050662A 2006-12-26 2007-12-21 来自多个实体的优惠券优惠 Pending CN101647038A (zh)

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