Class / Patent application number | Description | Number of patent applications / Date published |
705140210 | Based on funds or budget | 19 |
20090299841 | SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS USING MULTIPLE BUDGETS - Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway. | 12-03-2009 |
20100153202 | DEVICES, SYSTEMS, AND METHODS FOR PROVIDING AN INCENTIVE TO SELECT A DEPOSIT PRODUCT OFFERED BY A FINANCIAL INSTITUTION - A computer device is provided for implementing a system configured to encourage a customer to deposit monetary funds in a deposit product serviced by a financial institution, and encourage transactions between a customer and a business entity. The computer device detects a plurality of qualified transactions between the customer and at least one business entity associated with the financial institution. The computer device further notifies the financial institution of the detected transactions upon expiration of the transaction period, such that an increased interest rate can be applied to the deposit product during a reward period. In some instances, the computer device issues a reward credit to the customer in response to the detected at least one qualified transaction. The reward credit is redeemable in exchange for a reward corresponding to a redemption value of the reward credit. Associated systems and methods are also provided. | 06-17-2010 |
20100268588 | LOYALTY REWARDS OPTIMIZATION BILL PAYABLES AND RECEIVABLES SERVICE - For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For each reward account, a deficient reward account is found if the currency balance for the reward account is not sufficient for the payment of the account payable. For each deficiency reward account, if identified accounts receivables can be deposited such that the currency balance thereof will be sufficient to pay the account payable, then payments are made of: (i) the identified accounts receivables as corresponding deposits to the currency balance of the deficiency reward account such that the currency balance thereof is sufficient for the payment of the account payable; and (ii) the account payable by a withdrawal from the currency balance of the deficiency reward account. | 10-21-2010 |
20110015979 | Methods and Systems for Awarding Discounts for Experiencing Advertising - A discount may be earned in exchange for experiencing an advertisement. In an example embodiment, a method includes causing information corresponding to a product to be presented. An option to experience an advertisement is also presented. Further, a discount indicator is caused to be presented. The discount indicator indicates that selecting the option enables a discount on the product to be acquired. In another example embodiment, a method includes providing an option to experience an advertisement in exchange for a discount on a product. In response to a user selecting the option to experience the advertisement, the advertisement is presented to the user. After the advertisement has been presented, the discount on the product is awarded to the user. | 01-20-2011 |
20110106603 | Self-Service Implementation of Digital Coupons - Disclosed are various embodiments relating to a self-service portal for coupon implementation in association with an electronic commerce system. Coupon campaigns are implemented in a computing device for a plurality of vendors in association with the electronic commerce system. Each of the coupon campaigns comprises one or more digital coupons. An automated submission of each of the campaigns is facilitated in the computing device from respective ones of the vendors through a self-service portal. Vendor control is facilitated through the self-service portal as to whether the digital coupons associated with a respective one of the campaigns are activated to be applied to a purchase of an item through the electronic commerce system. | 05-05-2011 |
20120136706 | Digital Coupon System - Disclosed are various embodiments for a digital coupon system. Digital coupons can be defined by a coupon specification received from a coupon issuer. Digital coupons can be issued to users and redeemed with third party retailer sites and/or point of sale systems. A coupon clearing house application can manage distribution, redemption, reimbursement of retailers and invoicing of coupon issuers. | 05-31-2012 |
20120166267 | WEB AND MOBILE DEVICE ADVERTISING - Techniques and systems for selecting advertisements for dissemination over a network are disclosed. In one embodiment, an advertisement service stores information indicative of offers from merchants, including information indicating an amount of revenue that the offering merchant would be willing to share with the advertisement service if a consumer consummates a transaction with the merchant based on the good or service advertised in the offer. The service computes predicted conversion rates for these offers, and uses the predicted conversion rates and the revenue sharing information to select an advertisement for dissemination according to which advertisement is expected to generate the greatest amount of revenue for the advertisement service. The predicted conversion rate can be based on various features, including physical location of the consumer, the consumer's preferences on a third-party information sharing service, amount of discount reflected in the offer, the customer service rating of the merchant, etc. | 06-28-2012 |
20120232974 | System and Method of Distributing a Coupon - A method and system of distributing a coupon in response to a request from a user using a computer network is disclosed. A database is maintained having one or more coupon records associated with one or more advertisers, wherein each coupon record is associated with an advertiser credit account. A coupon request is received from an indicating user for a coupon associated with a coupon record in the database via the computer network. The system provides to the indicating user a coupon corresponding to the coupon request via the computer network. The system subtracts a coupon distribution amount from the advertiser credit account associated with the coupon provided. The system may optionally subtract a coupon redemption amount from the advertiser credit account associated with the coupon when the coupon is redeemed or after the coupon is redeemed. | 09-13-2012 |
20130024257 | SYSTEMS AND METHODS FOR ELECTRONIC COUPON CAP CONTROL - Described herein are methods and systems for implementing personalized targeting via electronic coupons, providing aggregate cap control of electronic coupons, implementing viral marketing using electronic coupons, and performing real time processing of electronic coupons. | 01-24-2013 |
20130046595 | System and method for providing location-based time-sensitive deals - A system and method of providing online location-based time-sensitive deals are proposed. An online retailer accepts an instant deal submitted by a merchant. The instant deal is a discounted service provided by the merchant at a geographic location. The instant deal is approved only if the merchant is qualified and if the deal is qualified based on a set of pre-configured rules. The online retailer advertises a deal coupon for the discounted service during a limited time for a limited quantity to consumers located near the geographic location. In one example, the geographic location is defined by a business district or a landmark. When a buyer places a purchase order, the deal coupon is delivered to the buyer. The deal coupon is redeemable during a limited time without additional reservation. If the buyer does not redeem the coupon within the limited time, the purchase amount is automatically refunded. | 02-21-2013 |
20130046596 | ADVERTISING SYSTEM AND METHOD FOR PROVIDING BENEFIT TO ADVERTISER AND ADVERTISER PROVIDING CASH BACK REWARDS IN VIEW OF TRANSACTION BETWEEN USER AND ADVERTISER - An advertising system and method for providing a benefit to an advertiser offering cash back rewards for a transaction with a user is provided. The advertising system may include an advertisement registration information receiving unit configured to receive advertisement registration information of an advertisement, a benefit condition verifying unit configured to verify whether the advertisement meets a determined advertiser benefit condition based on the advertisement registration information, and a benefit providing unit configured to provide an advertiser benefit when the advertisement meets the advertiser benefit condition. | 02-21-2013 |
20130103474 | DETERMINING A VALUE FOR A COUPON - Techniques are provided for determining, by a coupon distributor, a value for a coupon of a product or service that will be provided by a coupon provider. The coupon provider provides, to the coupon distributor, one or both of a budget value that indicates an amount the coupon provider is willing to pay the coupon distributor for distributing the coupon, and a redemption rate that indicates one or more target redemption rates. The coupon provider uses a coupon value equation to calculate the coupon value based on a budget value and a redemption rate. The coupon provider might estimate that no coupon value will allow the coupon provider to stay within the budget and ensure that the actual redemption rate will be close to a particular redemption rate, which may or may not be specified by the coupon distributor. | 04-25-2013 |
20130103475 | Systems and methods for campaign offers and rewards with offer serving engine based on digitized receipt data - A campaign offers and rewards system is provided. A receipt intelligence engine includes receipt processing that in operation extracts information about items purchased based on an image of a receipt from at least one of a shopping trip and an electronic receipt from an online or offline transaction. An analytics engine includes data intelligence coupled to the receipt processing and performs analysis of the receipt. In response to processing and analysis, an offer is then sold. | 04-25-2013 |
20130103476 | Systems and methods for campaign offers and rewards with offer serving engine based on digitized receipt data - A campaign offers and rewards system includes a campaign reward engine and a memory that stores offer reward data. An analytics engine predicts a probability that a user will redeem a given offer and estimates a reward the user will be owed when it redeems the offer and calculates an expected amount of the campaign's budget that will be consumed if the user is presented with that offer. | 04-25-2013 |
20140058816 | TARGETED COUPON MERCHANDISING METHOD - A method and apparatus for targeted distribution and merchandising, wherein airlines can target travelers with group coupons or vouchers redeemable at a plurality of restaurants in or near the destination city of the traveler. | 02-27-2014 |
20140114734 | DETERMINING A VALUE FOR A COUPON - Techniques are provided for determining, by a coupon distributor, a value for a coupon of a product or service that will be provided by a coupon provider. The coupon provider provides, to the coupon distributor, one or both of a budget value that indicates an amount the coupon provider is willing to pay the coupon distributor for distributing the coupon, and a redemption rate that indicates one or more target redemption rates. The coupon provider uses a coupon value equation to calculate the coupon value based on a budget value and a redemption rate. The coupon provider might estimate that no coupon value will allow the coupon provider to stay within the budget and ensure that the actual redemption rate will be close to a particular redemption rate, which may or may not be specified by the coupon distributor. | 04-24-2014 |
20140149196 | OFFER REDEMPTION OF AN OFFER AT A RETAILER - A system is provided for offer redemption of a retailer. A service provider includes one or more servers with engines and attached storage. The service provider is configured to be in communication with a mobile application running on a user mobile device of a user. The service provider is configured to be in communication with an advertiser and the retailer. The service provider is coupled to one or more processors with logic that enable an advertiser to create an offer campaign with details of the offer campaign stored in the storage. The details including at least one of, offer distribution rules and offer redemption rules. The one or more processors review transaction line items of the offer and making a determination to push or not push the offer redemption to a retailer check-out system. | 05-29-2014 |
20140207549 | Symbiotic Mass Marketing - The present invention relates to certain methods and systems for promoting the sale of goods and services. According to certain embodiments of the present invention, such methods generally comprise the steps of (1) selling a first good or service to a customer for a discounted price that is less than a standard price, (2) establishing a sales goal (which represents an amount of desired sales of a second good or service to customers during a promotional period), and (3) issuing a credit to, or receiving a payment from, each participating customer based on a level of success achieved towards the sales goal. The invention provides that the extent to which the sales goal is achieved depends on the aggregate sales of the second good or service to the public at large, and is not dependent upon the sales or activity of any single customer. | 07-24-2014 |
20140236692 | SERVER-BASED PRODUCT SUBSTANTIATION WITH LOCAL FILTERING SYSTEM AND METHOD - A system and method is presented for product substantiation and promotion redemption. A purchased product list is transmitted from a retail store system to a promotion analysis server along with a user identifier. The promotion analysis server identifies promotions available to the user, and then considers whether the benefits under the promotions are still available to the user. Discounts for available promotions related to the purchased product list are calculated and transmitted to the retail store system for deduction from the transactions. A promotion product filter can be provided that filters the purchased product list before transmittal. The promotion product filter can include promotions from a plurality of programs. | 08-21-2014 |