| Class / Patent application number | Description | Number of patent applications / Date published |
|---|
| 705140340 | Rebate after completed purchase (i.e., post transaction award) | 78 |
| 20090254431 | System, Program Product, And Method To Authorize Draw For Retailer Optimization - A line of credit optimized for a retailer and attached to a customer account at a financial institution is established for a customer of the retailer. A financial institution computer determines whether to advance funds through the line of credit for a transaction, then advances funds in one or more preselected loan increments to the customer account, up to a total available line of credit for the customer. The financial institution computer decrements the total available line of credit by the amount provided for the customer transaction and by a predetermined customer fee for each of the loan increments. The computer determines a value of a retailer fee to be paid by the retailer, involving a predetermined amount for each of the loan increments. The customer fee amount can be zero or discounted for customer transactions with the retailer. The retailer fee can be a rebate to the customer. | 10-08-2009 |
| 20090254432 | METHOD, SYSTEM AND COMPUTER READABLE MEDIUM FOR FACILITATING A TRANSACTION BETWEEN A CUSTOMER, A MERCHANT AND AN ASSOCIATE - A method and system for facilitating a transaction between at least one user, at least one merchant, at least one associate is provided. The method includes the steps of the associate processing device transferring into the user processing device a first merchant link for a first merchant Web site on a first merchant processing device. The first merchant link is framed with associate information. The user selects the first merchant link. The associate processing device transfers into the user processing device information regarding a first product from the first merchant Web site. The user selects the first product to purchase. The user provides purchase information for purchasing the first product. The user processing device transfers the purchase information to the associate processing device. The associate processing device adds promotional information to the purchase information responsive to the user identification value. The associate processing device transfers the promotional information and the purchase information to the merchant processing device. | 10-08-2009 |
| 20090281890 | ONLINE ORDERING SYSTEM AND METHOD - Systems and methods for facilitating an on-line purchase of at least one item on behalf of a consumer are disclosed. A consumer may shop and purchase at least one item on a consolidated shopping (CS) website displaying one or more items available for purchase on one or more different merchant websites. The CS website provides consumers with advanced searching that takes into consideration a personal profile of the consumer, the consumer's previous shopping history, transactional data relating to a group of similar consumers, and the like. A host computer providing the CS website may access a merchant website selling the requested item, and order the requested item on behalf of the consumer, and charging a transaction fee, listing fee, receiving a rebate and/or offering a rebate for performing such. One embodiment allows a consumer to purchase/order multiple items from multiple websites in a single purchase request to the CS website. | 11-12-2009 |
| 20090319362 | LOYALTY REWARDS FOR PURCHASING - A method of rewarding consumers for the purchase of companion animal products is provided. The method can include providing a pet product for purchase, providing a procedure whereby a purchaser can identify the purchase of the product, providing a rebate to the purchaser, whereby the rebate is usable for a discount on a pet product or service. In one embodiment, the discount is usable for a discount on pet insurance. | 12-24-2009 |
| 20100070363 | INTERNET STRAWMAN AND USER INTERFACE THEREFOR - A computer implemented method for facilitating a transaction between a subscriber and a vendor through an intermediary may include: receiving, at the intermediary, personal information from the subscriber to establish a user account; storing the personal information for subsequent access; receiving a request from the subscriber to access the user account, upon which the subscriber's identity is verified by the intermediary against the personal information; the intermediary entering into a transaction with the vendor on behalf of the subscriber based on the subscriber's instruction once the subscriber's identity is successfully verified; and notifying the subscriber upon completion of the transaction. Importantly, the transaction is completed without disclosing the subscriber's personal information to the vendor. As such, the consumer remains anonymous with respect to the vendor. | 03-18-2010 |
| 20100088175 | Secure Inspection and Purchase Method With Surveillance System - The invention is a method for using a payment and inspection service to purchase merchandise on an online sale website. A buyer or seller can select using a payment and inspection service. The buyer pays the payment and inspection service, which holds the payment. The seller ships the item to a store where the payment and inspection service is located. The buyer goes to the store and while being monitored, the buyer inspects the merchandise. Preferably, the buyer is monitored by a camera surveillance system with a video record stored on a computer system. If the buyer accepts the item, he leaves the store with the item and the service releases the payment to the seller less any fees owed. If the buyer does not want to accept the item, he rejects the item, which is then repacked and returned to the seller, and the service refunds the payment, less any fees owed back to the seller. | 04-08-2010 |
| 20100106592 | One account visa/master card/gift card systems and methods - A method for providing an one account gift card for purchases of goods and/or services by establishing the account at a merchant based on a user's input, and enabling the account to be accessed by the beneficiary with the use of a financial card subject to the terms and conditions of the merchant: The consumer is then able to use the available funds in the account towards purchases of services and/or goods at the merchant. | 04-29-2010 |
| 20100145788 | MERCHANT PERFORMANCE RATING FOR PAYMENTS ON ACCOUNT - A business derives its cost to pay accounts payable (AJP) with a corporate card versus other payment methods. The business identifies each merchant to whom the business owes AJP who but does not accept the corporate card. A weighting factor is derived for each such merchant from costs of paying with and without the corporate card, as well as from its history of past payments to the merchant. The benefit to the business is derived, using the corresponding weighting factor, for each such merchant in paying the corresponding AJP to the merchant with the corporate card. Where the benefit exceeds a predetermined threshold, information is sent to each such merchant sufficient for the merchant to receive payment of the corresponding AJP with the corporate card. | 06-10-2010 |
| 20100179871 | USER DRIVEN TRANSACTIONS THROUGH REFERRED VIRTUAL BUSINESS OBJECT - Providing traceability in a Virtual Business Object (VBO) may include generating a VBO comprising components and actions that may be performed using the VBO, attaching traceability information regarding an avatar to the VBO and providing the VBO to the avatar. Also, a network entity configured to access a virtual world environment may include a network interface configured to provide access to the virtual world environment and a controller configured to perform a transaction with an avatar in the virtual world environment, generate a Virtual Business Object (VBO) related to the transaction, attach traceability information regarding the avatar to the VBO, and provide the VBO to the avatar. | 07-15-2010 |
| 20100241505 | INK CARTRIDGE VENDING MACHINE - A vending machine capable of refilling used ink cartridges as well as dispensing filled ink cartridges is closed. The vending machine includes at least one cartridge receptacle for receiving an ink cartridge, a user interface, a display unit, a nozzle health check module, a printhead servicing module, an ink reservoir, an ink refilling unit, a compartment containing new ink cartridges, a compartment containing filled, second-hand ink cartridges, and a recycle compartment for receiving discarded ink cartridges. The user is presented by the display unit with the option of (a) refilling a used cartridge, (b) purchasing a filled cartridge, or (c) returning a used cartridge in exchange for a purchase rebate or a discount voucher. When the user selects the option of refilling, the vending machine executes a refilling subroutine which includes checking the nozzle health. | 09-23-2010 |
| 20100299196 | Rebate card system - A method and system for using a rebate card are disclosed. The method may comprise initiating a purchase transaction for one or more products at a point of sale, determining whether the purchase transaction qualifies for a rebate, determining a rebate value based on the purchase transaction and the rebate, activating a rebate value in a rebate card account associated with a rebate card based on the determining action, and delivering the rebate card to a customer of the one or more products during the purchase transaction. | 11-25-2010 |
| 20100332307 | REBATE PROGRAMS ADMINISTERED VIA PAYMENT PROCESSING SYSTEM BASED ON MERCHANT-AGGREGATED DATA - A method includes receiving a batch of transaction data. The transaction data is transmitted from a computer operated by or on behalf of a merchant. The transaction data relates to a plurality of purchase transactions performed at the merchant. The transaction data includes purchased item data that identifies at least some items purchased in the purchase transactions. The transaction data includes for each purchase transaction a respective payment card account number that identifies a respective payment card account to which the purchase transaction in question was charged. The method further includes identifying, from the transaction data, ones of the purchase transactions that qualify for customer rebates. | 12-30-2010 |
| 20100332308 | METHOD AND SYSTEM FOR DYNAMICALLY CUSTOMIZING A TRANSACTION OF SUBSIDIZED GOODS USING AN IDENTITY MEDIUM - A subsidy and payment system dynamically determines a consumer's subsidy entitlement status and calculates a customized subsidy applicable to purchase of subsidized goods based on the consumer's authenticated government-endorsed identity. The subsidy and payment system additionally facilitates electronic payments from the consumer and subsidy rebates to the consumer in connection with the purchase of subsidized goods based on the authenticated government-endorsed identity without requiring additionally information or actions from the consumer. | 12-30-2010 |
| 20110047021 | Minimum and maximum recommended supply lines for determining price-protection rebate - A minimum recommended supply line (RSL) and a maximum RSL during a time period are determined. The minimum RSL is based on a minimum number of a product that is recommended to be in inventory for the time period. The maximum RSL is based on a maximum number of the product that is recommended to be in inventory for the time period. A number of the product is purchased equal to or greater than the minimum RSL minus a number of the product already in inventory at a beginning of the time period. A price-protected number of the product is determined as a smaller of the maximum RSL and a number of the product in inventory at an end of the time period. A rebate amount is determined as equal to the price-protected number multiplied by a decrease in price of the product from the time period to a next time period. | 02-24-2011 |
| 20110087537 | REFUND SYSTEM AND METHOD - A refund system provides for detections of eligibility of a user for a refund and uses a token to identify purchases and to retrieve the information in respect of those purchases for processing a refund in respect of those purchases. | 04-14-2011 |
| 20110087538 | SYSTEM AND METHOD FOR OFFERING AND FULFILLING SITUATION-BASED, LOCATION SPECIFIC REWARDS AND OFFERS TO MOBILE-ORIENTED CONSUMERS - A system, method and non-transitory computer-readable storage medium are disclosed for advertising. A system configured to practice the method receives user situation information. Based on the situation information, the system transmits an advertisement to the user's mobile device, wherein the advertisement is associated with an identification card and a coupon and transmitted independent of any user solicitation for a communication and independent of a request for a product or a service. The system receives input from the user via the advertisement for purposes other than redeeming the coupon; and, and receives an indication of a purchase associated with the advertisement and completed at a point of sale device using the identification card, wherein the mobile device differs from the point of sale device and wherein the purchase is at full price and a rebate associated with the coupon and the identification card is provided to the user. | 04-14-2011 |
| 20110125568 | Shared-Benefit Reward System and Method - A method and apparatus for allocating a portion of a purchase-based member reward to a third party beneficiary thereby to enable a shared benefit membership reward in a computer system. The method comprise the steps of receiving a member card at a merchant point of sale, identifying data indicative of a member and a third party beneficiary associated with the member card, calculating a defined benefit in respect of a purchase value, apportioning a percentage of the defined benefit to the member, and apportioning a remaining portion of the defined benefit contributed toward the third party beneficiary. | 05-26-2011 |
| 20110137720 | SYSTEM AND METHOD OF SUPPORTING A COMMUNITY BASED PROGRAM, INCREASE BUSINESS FOR LOCAL MERCHANTS, AND INCREASE USE OF FINANCIAL CARDS - A system and method where a give back program is offered to a merchant who signs-up for the program by accessing a website provided by an independent third party service provider. The merchant inputs information including purchase criteria. A cardholder uses a financial card for a transaction with the merchant and the transaction information is transmitted to a financial institution. | 06-09-2011 |
| 20110153405 | METHOD OF ADVERTISING AND A PORTABLE MEMORY DEVICE FOR USE AS AN ADVERTISING PLATFORM - A general media content advertising vehicle usable by a large number of advertisers and with exposure to a large and diverse consumer base whether such users have Internet access or are operating off-line, defined by a portable memory device (PMD) adapted to support advertising and content data of different media types. | 06-23-2011 |
| 20110246282 | Business Transaction Method and System - A business transaction method enables customers to purchase products from vendors, and is implemented using a business transaction system that includes a membership module, an allocation module, and a rebate module. The business transaction method includes: a) configuring the membership module to enable the vendors to become alliance members and the customers to become club members, and to set a recruiter of each club member to be a first-degree upper-tier member of said each club member; b) when one of the club members makes a purchase of a transaction amount from one of the alliance members, configuring the allocation module to allocate a predetermined percentage of the transaction amount as a rebate; and c) configuring the rebate module to distribute a portion of the rebate to the club member who made the purchase and another portion of the rebate to the first-degree upper-tier member thereof. | 10-06-2011 |
| 20110270666 | System and Method for Providing Financial Incentives and Discentives Based on a Consumer Activity - A system and method for providing financial incentives and disincentives to a consumer based on a consumer activity. A record related to the consumer activity is received by a Computer Server and stored in a Consumer Database. The Consumer Database includes historical consumer activity associated with the registered consumer. The historical consumer activity is transmitted to at least one registered marketing entity. Based on the historical consumer activity, the registered marketing entity provides a financial incentive and/or disincentive which is processed and automatically applied to a qualified registered consumer. | 11-03-2011 |
| 20110295675 | LOYALTY PRESENTATION, METHOD AND SYSTEM - Methods and systems are presented for sending an update to a customer's loyalty program account through a credit card authorization response message as well as sending the update by SMS, MMS, or other electronic message to the customer's mobile phone or device. The electronic message can allow the user to switch between the type of loyalty points to be accrued as well as offer coupons and other incentives for further purchase. Store returns can update loyalty points and result in update messages as well. | 12-01-2011 |
| 20110313838 | INTERNET STRAWMAN AND USER INTERFACE THEREFOR - A system and method for implementing an intermediary to preserve user privacy and anonymity in electronic transactions. In one embodiment, a computer implemented method for facilitating a transaction between a subscriber and a vendor through an intermediary is provided. In this embodiment, the method comprises the step of receiving at the intermediary personal information from the subscriber to establish a user account. The method also comprises the step of storing the personal information for subsequent access. The method further comprises the step of receiving a request from the subscriber to access the user account, upon which the subscriber's identity is verified by the intermediary against the personal information. The method also comprises the step of the intermediary entering into a transaction with the vendor on behalf of the subscriber based on the subscriber's instruction once the subscriber's identity is successfully verified. The method further comprises the step of notifying the subscriber upon completion of the transaction. Importantly, the transaction is completed without disclosing the subscriber's personal information to the vendor. As such, the consumer remains anonymous with respect to the vendor. | 12-22-2011 |
| 20120101891 | CAR PRICING AND PURCHASING SYSTEM AND METHOD - Various embodiments are directed to a customer computer device for facilitating the purchase of products comprising at least one processor and operatively associated memory. The device may capture a product identifier from an instance of a product. The product identifier may indicate a first instance of the product. The device may also transmit the product identifier to a service provider system and receive from the service provider system a rebated sales price for the first instance of the product. The rebated sales price may reflect an invoice price of the product, a deduction to the invoice price, and at least one rebate offered by the manufacturer of the product. Additionally, the device may provide the rebated sales price to a customer via a graphical user interface. | 04-26-2012 |
| 20120101892 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR CROSS-SELLING IN NETWORK ENVIRONMENT - Embodiments of the invention provide a robust rebate cross-sell network in which business entities, including financial institutions, can make targeted offers, including pre-approved or pre-qualified credit offers, to a desirable consumer utilizing information submitted by the consumer during a rebate redemption process. These business entities may but need not be associated with a rebate-issuing entity (i.e., rebate sponsor) or a rebate processing center which processes rebate claims for the rebate sponsor. In one embodiment, a cross-sell network manager can determine the consumer's identity, look-up the consumer at credit bureau(s), and perform a passive, real-time inquiry. Contingent upon a plurality of factors (e.g., the results of the inquiry or look-up against the pre-approved/qualified customer list, etc.), one or more targeted offers are identified. A Web page can be dynamically generated with the selectively identified offers and presented to the consumer as disbursement options, perhaps after authenticating the consumer's identity. | 04-26-2012 |
| 20120116860 | PAYMENT DETERMINATION IN AUCTIONS - An auction may include a general schema to create incentives for those agents or bidders to bid on items at auction truthfully. The schema may implement any allocation rule, including a monotone allocation rule. The schema may provide for accepting bids from bidders, transforming the bids in a manner appropriate to the item being auctioned, and applying the allocation rule on the transformed bid. The schema may further provide for providing a rebate or payment back to the bidders. | 05-10-2012 |
| 20120116861 | TECHNIQUES FOR WIRELESS COMMUNICATION OF PROXIMITY BASED MARKETING - A system and method for wireless communication of proximity based marketing is provided. The method includes determining whether a proximity device and a mobile computing device are within a first proximity to each other, wherein the proximity device is associated with at least one of a product and a service, and communicating information indicating that the proximity device and the mobile computing device are within the first proximity to each other, when it is determined that the proximity device and the mobile computing device are within the first proximity to each other. | 05-10-2012 |
| 20120116862 | INTERNET STRAWMAN AND USER INTERFACE THEREFOR - A user account including a personal profile is stored by a server for subsequent use. The user is provided a list of displayable entries sortable using specified criteria in a manner that allows the user to review a selection of entries and to make a change to the selection prior to submitting a transaction for processing. Responsive to a request to log into the user account, the identity of the user is verified. Once verified, the transaction is facilitated between a vendor and the user pursuant to instructions from the user. The instructions are generated based on a shopping cart screen rendered by a client device of the user. The user is sent a confirmation message regarding the transaction while the user is logged in the server. The user can be provided an account screen allowing access to information relating to user transactions and information relating to an account balance. | 05-10-2012 |
| 20120150615 | SYSTEM AND METHOD FOR AN APPLICATION PROGRAMMING INTERFACE FOR PROCESSING GIFTS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for gift communications via an API. A server receiving calls via the API receives a request to monitor recipient transactions, wherein the request includes information comprising a recipient and a policy. The server monitors the recipient transactions using a recipient account associated with the recipient for a qualifying transaction. Upon detecting the qualifying transaction, the server processes data associated with the qualifying transaction. A client device receives, from a giver and at a first time, an indication of a gift amount and a recipient. The client generates a request to monitor recipient transactions, wherein the request includes a recipient and a policy, and transmits the request to a gift processing server, such that when a qualifying transaction is recognized using the recipient account, data is processed associated with the qualifying transaction. | 06-14-2012 |
| 20120185322 | SYSTEM AND METHOD FOR PROVIDING A REBATE CARD FROM A KIOSK - Disclosed is a method for providing a rebate card to a consumer using an electronic kiosk, including receiving, into the kiosk, consumer information and rebate information; transmitting, from the kiosk, the consumer information and the rebate information, via an electronic network, to a rebate processor; and dispensing, from the kiosk, the rebate card to the consumer, wherein, upon receiving the consumer information and the rebate information, the rebate processor validates the information and directs a rebate card account manager to add a value to the rebate card. Disclosed is a system for providing a rebate card to a consumer, including: an electronic kiosk, the kiosk including: an electronic data input means; an electronic data transmission means; and a rebate card dispensing means; and a rebate card configured to be stored within and dispensed from the kiosk, wherein the kiosk is configured to receive rebate information and consumer information from a consumer through the data input means, transmit the rebate and consumer information to a rebate processor via the data transmission means, and dispense a rebate card to the consumer via the rebate processing means. Variations of the method and system are also disclosed. | 07-19-2012 |
| 20120253915 | GLOBAL ELECTRONIC RECEIPT PLATFORM FOR RECORDING, MANAGING AND ACCESSING TRANSACTION RECEIPTS THROUGH RETAILERS' PHYSICAL OR INTERNET BASED POINT OF SALE SYSTEM - A global electronic receipt platform for recording, managing and accessing transaction receipts through retailers' physical or internet based point of sale system. Consumers are assigned a unique identifier (UI), and retailers submit purchase transaction information to this system through secured internet connections between retailers' point of sale systems and the global electronic receipt system every time the UI is presented. Programmed plugs-ins made available to retailers can be integrated into existing point of sale systems in order to process and submit electronic receipts to the database agent. Each consumer is provided with an electronic receipt card which stores their UI and is presented at the time of purchase or in order to process a return, an exchange or claim a promotion such as a coupon or a rebate. This UI is used to get access to different interfaces in order to view, manage and search through their transaction history. | 10-04-2012 |
| 20120290381 | Electronic payment system with variable transaction fee and variable rebate capabilities - A system for making payments from each payer of a community of payers to each supplier of a community of suppliers assesses a variable transaction fee to each supplier. The system comprises a database which associates, for each payer, identification of a group of transaction rates to apply to payments made by the payer. Associated with each transaction rate is a subgroup of suppliers to which the transaction rate applies on payments made by the payer. In response to receiving a payment instruction, a payment application generates a credit transaction to the account of the supplier in the amount of the payment less a transaction fee. The transaction fee is the amount of the first payment multiplied by the transaction rate, of the group of transaction rates associated with the payer, that associates with the subgroup of suppliers to which the first supplier is associated. | 11-15-2012 |
| 20120290382 | Electronic payment system with payer controlled transaction fees and variable rebate capabilities - A system makes payments from each payer of a community of payers to each vendor of a community of vendors, assesses a variable transaction fee to each vendor, and provides a variable rebate to each payer. The transaction fee is “variable” because it may be varied: i) amongst vendors (the same payer may use different fee rates for different vendors); and ii) amongst payers (the same vendor may be subjected to different rates, based on the payer making the payment). The variable rebate is based on the total transaction fee applicable to payments made by the payer during a period of time. The rebate may be the sum of: i) the product of the total transaction fee multiplied by a base rebate percentage; and ii) the product of that portion of the total transaction fee in excess of an accelerator threshold multiplied by an accelerated rebate percentage. | 11-15-2012 |
| 20120303438 | POST PAID COUPONS - Systems and methods are provided for implementing coupons in conjunction with payment transactions involving electronic payment instruments. The benefit of the coupons can be provided to a customer after confirmation that the customer has satisfied all conditions of the coupon, which can include conditions on the type of good(s) and/or service(s) purchased as well as non-payment activities by the customer. If a coupon includes a non-payment activity condition, the non-payment activity can be performed either before or after the payment transaction(s) corresponding to the coupon. | 11-29-2012 |
| 20120310726 | Digital Watermarking Applications - The disclosure relates generally to digital watermarking applications. One claim recites a method comprising: obtaining identifying information for a party seeking attribution for content to be distributed; using a programmed processor, digital watermarking the content with the identifying information; and associating an attribution action with the identifying information in a data repository; in which the attribution action is triggered when a rendering device decodes the digital watermarking and obtains the identifying information during a transaction, in which performing the attribution action does not occur when the content includes limited functionality for initial evaluation but said performing the royalty payment action does occur when the content is purchased or enabled for longer evaluation relative to the initial evaluation. Other claims and combinations are provided as well. | 12-06-2012 |
| 20130018717 | INFORMATION PROCESSING APPARATUS, REBATE PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, REBATE PROCESSING METHOD, AND REBATE PROCESSING SYSTEMAANM Sabe; KohtaroAACI TokyoAACO JPAAGP Sabe; Kohtaro Tokyo JPAANM Iwama; TakashiAACI TokyoAACO JPAAGP Iwama; Takashi Tokyo JPAANM Kamitani; HiroshiAACI TokyoAACO JPAAGP Kamitani; Hiroshi Tokyo JPAANM Shimizu; OsamuAACI KanagawaAACO JPAAGP Shimizu; Osamu Kanagawa JPAANM Takiguchi; MasashiAACI TokyoAACO JPAAGP Takiguchi; Masashi Tokyo JP - An information processing apparatus includes an electric power related information obtaining unit mounted on or connected to equipment and configured to obtain electric power related information with regard to the equipment and a communication unit configured to transmit the electric power related information obtained by the electric power related information obtaining unit to a rebate processing apparatus connected via a network. A rebate processing apparatus includes a communication unit configured to receive electric power related information transmitted from an information processing apparatus mounted on or connected to equipment via the network, a rebate reference calculation unit configured to calculate a rebate reference functioning as a reference for a rebate processing on the basis of the electric power related information, and a rebate processing unit configured to perform a predetermined rebate processing on the basis of the rebate reference. | 01-17-2013 |
| 20130046609 | USER-DRIVEN REVERSE AUCTIONS SYSTEMS AND METHODS - Systems and methods for providing user-driven reverse auctions are provided. The systems and methods enable a user to request bids for products or services, receive bids in response to the offers, and manage the bids. The methods provide receiving, at a computing device, a request from a user for an offer for products or services, the request including search criteria; identifying, via the computing device, at least one merchant of said products or services based on the search criteria; sending the request to the at least one merchant and receiving one or more bids from the at least one merchant; and presenting, via a computing device, the one or more bids to the user. | 02-21-2013 |
| 20130132188 | METHODS AND SYSTEMS FOR PROCESSING REBATES - The invention provides efficient and convenient rebate systems and methods which facilitate application of the value of a rebate redeemed by a purchaser to additional purchases by the purchaser prior to termination of a rebate redemption session. | 05-23-2013 |
| 20130173376 | SYSTEM AND METHOD FOR ELECTRONIC SUBMISSION OF A REBATE REQUEST WITH VALIDATION INFORMATION - The present disclosure relates to a system for rebate claim submission including an interface module configured for downloading to an electronic mobile device as a mobile app and configured for display on a display screen of the mobile device, the interface module also configured for displaying a rebate offer available for selection to a consumer of the mobile device, identifying a selection of a displayed rebate offer based on the consumer's electronic input, and providing a camera function through which the consumer may photograph proof of purchase data, wherein the proof of purchase data indicates purchase of one or more rebate qualifying products or services. The present disclosure also relates to a method for receiving a rebate claim via an electronic mobile device via a mobile app. | 07-04-2013 |
| 20130179249 | SYSTEM FOR SELECTIVELY GENERATING AND REDEEMING ELECTRONIC COUPONS - A system for generating a personalized digital instant rebate coupon (DIRC) for financial transactions with sponsoring merchants comprises a server-based virtual private network and a group of participating merchants whose point-of-sale systems are attached to the virtual private network, and users having mobile devices connected to the virtual private network, whereby a user completing a transaction with a merchant is provided with a DIRC that may be displayed on the user's mobile device, and may be immediately redeemed at a facility of another participating merchant. | 07-11-2013 |
| 20130185136 | PRICE GUARANTEE METHODS AND SYSTEMS - A method is provided. The method includes recording transaction information for a consummated transaction related to a purchase of an item or service at a computer, the transaction information including information identifying a consumer; monitoring, by the computer, an incentive to purchase the item or service for a predetermined time period after purchase of the item or service by the consumer; comparing, by the computer, the incentive to the transaction information during the predetermined time period to determine if the incentive was offered as part of the consummated transaction; and if the incentive was not offered as part of the consummated transaction, duplicating, by the computer, the incentive for the consumer after the consummated transaction. | 07-18-2013 |
| 20130191203 | System and Method for Discount Purchases - Described is a method, system, and apparatus for providing an online rebate. The method, system, and apparatus enable an aggregator to aggragate goods or services or both from at least one website; to present the aggregated goods or services or both on a web site in a unified manner; to direct a user to another website that offers the goods or services or both in response to an indication that the user desires to purchase at least one of the goods or services or both; and to offer a discount prior to directing the user to the other website to complete the purchase of the desired good or service or both. The discount is offered at reduced price relative to the value of the discount at the other website. | 07-25-2013 |
| 20130275202 | INTERNET STRAWMAN AND USER INTERFACE THEREFOR - A user account including a personal profile is stored by a server for subsequent use. The user is provided a list of displayable entries sortable using specified criteria in a manner that allows the user to review a selection of entries and to make a change to the selection prior to submitting a transaction for processing. Responsive to a request to log into the user account, the identity of the user is verified. Once verified, the transaction is facilitated between a vendor and the user pursuant to instructions from the user. The instructions are generated based on a shopping cart screen rendered by a client device of the user. The user is sent a confirmation message regarding the transaction while the user is logged in the server. The user can be provided an account screen allowing access to information relating to user transactions and information relating to an account balance. | 10-17-2013 |
| 20130297396 | SYSTEMS FOR AND METHODS OF CAPTURING AND ANALYZING BENEFITS IN COMMERCIAL TRANSACTIONS - Under an agreement between a buyer and a seller, multiple rebates may be configured and calculated to capture the benefits of such a rebate program using a third party service via a network. For example, the buyer agrees to a minimum purchase requirement and receives a flexible early-payment rebate on each individual transaction between the two. The rebate is larger the earlier in a billing cycle the buyer pays its account in full. The buyer is able to impose purchase restrictions, for example, limiting its employees to buy from only specific suppliers, to buy only specific products, or to buy no more than a certain dollar amount of a product over a specific period. A platform for calculating and applying these rebates and restrictions can be hosted by a third-party, but allows the buyer to configure the restrictions. The platform also allows users to generate reports summarizing the results of the rebate program, and generates appropriate accounting and tax documentation. Furthermore, the alignment of this network-based benefits capture service ensures that full visibility of rebates, calculations and results is available to both buyer and supplier, thereby maximizing transparency and minimizing disputes arising from such rebates. | 11-07-2013 |
| 20130297397 | SYSTEMS FOR AND METHODS OF AUGMENTING FINANCIAL TRANSACTIONS SERVICES - Under an agreement between a buyer and a supplier, the buyer agrees to a minimum purchase and receives a flexible early-payment rebate on each individual transaction between the two. Because of the purchase and early-payment agreement, the transaction services can be bundled with other services such as foreign exchange and insurance. This “bundling” may be performed electronically based on business rules and preferences, and is described as the “augmentation” of financial services with electronic payment services within a network including buyer and supplier. Thus, on a per-transaction basis, each transaction can receive a rebate, be covered by insurance, and receive the benefit of favorable foreign-exchange rates. The buyer can configure a system such that specific services are applied to specific transactions. The buyer or supplier can also generate reports that detail the rebates, as well as the savings associated with each transaction by service. | 11-07-2013 |
| 20130297398 | SYSTEMS FOR AND METHODS OF ESTABLISHING CLOSED-LOOP BUSINESS PAYMENT SERVICES - In a closed-loop business-payment network, a buyer is both an issuer and an acquirer of payment accounts, such as those associated with credit cards. Because no bank is involved in this issuance and acquisition, the transactions between the buyer and a merchant do not incur interchange fees and do not require transaction terminals, such as used for typical credit-card transactions. Under the agreement, variable early-payment rebates and other services are applied to each transaction on a per-transaction basis. This closed-loop allows the buyer to enforce purchase restrictions that are checked before a transaction is authorized, thereby eliminating or reducing fraud. This agreement also allows the issuer to impose different rebates and purchase restrictions, apply different services, and otherwise distinguish between different merchants. Preferably, the transaction platform is hosted by a third party, which can provide buyers and merchants a single interface to third-party services. | 11-07-2013 |
| 20130297399 | SYSTEMS FOR AND METHODS OF SECURITIZING ASSET-BASED SUPPLIER REBATE CASH FLOWS DERIVED FROM PROCUREMENT EXPENDITURES - Prospective variable early-payment rebates under a purchase agreement are expressed as income streams to a buyer through use of a rebate calculation process, and these flows are monetized and secured. The rebates are based on contractual obligations between a buyer and a seller. The rebates are “performance based” in that the earlier a buyer pays off its account with a supplier, the larger the rebate. These monetized rebates form a new asset class that can be sold just like any other financial instrument. The buyer, based on predictable cash outflows, can receive income from these future rebates sooner, allowing it to potentially fund large-scale projects. A computer system determines the amount of the rebates, rates them based on the likelihood that they will be received, and determines their current value. Investors purchase these instruments, in the form of bonds or notes, and receive payment in principle and interest. A third-party issues financial instruments, secured by the rebates. | 11-07-2013 |
| 20130304562 | METHOD TO NEGOTIATE FOR WIRELESS SERVICE - A system and method are disclosed to negotiate for wireless services. A system that incorporates teachings of the present disclosure may include, for example, a method that operates in a communication device for commercially negotiating with a service provider for wireless services offered by way of a wireless access point (WAP) managed by the service provider. Alternatively, the system may include a method that operates in a wireless services management system (WSMS) for commercially negotiating with the communication device operated by the end user for wireless services offered by way of a WAP managed by the WSMS. Additional embodiments are disclosed. | 11-14-2013 |
| 20140012654 | SYSTEMS AND METHODS OF SHARING PROMOTIONAL INFORMATION - Systems and methods that enable product (or service) purchasers, or other such entities, to share promotional materials via social networks and/or other means of communication and may further enable the purchasers to receive rewards, such as rebates, in response to interactions with the promotional materials by others (e.g., friends of the purchaser). In various embodiments, the promotional materials shared by the purchaser relates to the product purchased, which may lend greater credibility and/or interest in the promotional material being shared. | 01-09-2014 |
| 20140046747 | SYSTEM AND METHOD FOR REBATE CALCULATION - The present invention provides a method and apparatus for rebate calculation relating to a partner incentive program. The method and system includes electronically defining the incentive program within a computer processing system and defining one or more tracks within the program. The method and system further includes electronically selecting one or more incentives within the one or more tracks and generating a plurality of incentive data defining a plurality of incentive scenarios based on the one or more incentives. The method and system includes loading the incentive data to a spreadsheet application, wherein the spreadsheet application includes a computational algorithm and performing at least one scenario calculation on the incentive data using the computational algorithm, including generating incentive rebate data. Whereby, the method and system is operative to generate a visual output display quantifying the incentive rebate data. | 02-13-2014 |
| 20140095290 | SAVINGS-GUARANTEE APPARATUS AND METHOD - A method for comparing pricing of selected products over a certain period of time is disclosed. The method may begin with completing, by a computer system, a plurality of transactions between a first business and a particular customer. The plurality of transactions may comprise the purchase, by the particular customer, of a plurality of goods from the first business. The method may further including recording, by the computer system, an actual cost charged the particular customer for the plurality of goods. The computer system may also calculate a first hypothetical cost reflecting what the particular customer would have been charged for the plurality of goods had the plurality of goods been purchased from a second business. Accordingly, the computer system may generate a comparison between the actual cost and the first hypothetical cost and present the comparison to the particular customer. | 04-03-2014 |
| 20140100940 | REBATE MARKETING PROMOTIONS ASSISTANT - According to one embodiment, a system and methods that provides computer-aided discovery, collection, storage, organization, tracking, monitoring, notification, integration, presentation, analysis, and augmentation or otherwise processing of Rebate Marketing Promotion information. Additionally, the system and methods provides a means for computers to communicate over a network with other computers to process Rebate Marketing Promotion information, by means of discovery, collection, organization, storing, augmenting, presentation of promotion information stored in a database, presentation of the promotional information to consumers, organizations, and third-parties, allow tracking, notification, and monitoring of promotional information to alert consumers, organizations, and third-parties to changes of the database, analysis of the database to provide additional information about or relating to usage of the database. | 04-10-2014 |
| 20140136311 | METHODS AND SYSTEMS FOR TRADE FEE AND REBATE COMPUTATION AND ORDER ROUTING - Systems and methods for determining a trade fee charged by a trading venue to a market participant, or a rebate credited by a trading venue to a market participant are disclosed. The method may include a computer accessing and storing one or more order information parameters in memory, as well as accessing and storing one or more of market characteristics in memory. The method may further include calculating a trade fee or rebate that is based on at least one of the order information parameters and at least one of the market characteristics stored in memory. A system may include a memory containing instructions for calculating a trade fee or rebate and a processor in communication with the memory, the processor configured to execute the instructions according to the method set out above. | 05-15-2014 |
| 20140149201 | USER DASHBOARD - Embodiments of the invention are directed to systems, methods and computer program products for initiating presentation of a rebate associated with a transaction. An exemplary apparatus is configured to: determine a user executed a first transaction qualifying for a first offer; determine a first rebate associated with the first transaction; apply the first rebate to the user's account; initiate presentation of the first rebate on a user interface; determine the user executed a second transaction qualifying for a second offer; determine a second rebate associated with the second transaction, wherein the second rebate is not applied to the user's account; and initiate presentation of the second rebate on the user interface. | 05-29-2014 |
| 20140195325 | CREDIT CARD AND SERVICE ORGANIZATION COOPERATIVE PROGRAM - A user is issued a special credit card by a credit card company or the like. Participating merchants offer discounts on transactions completed using the special credit card; those discounts are not available for transactions involving other credit cards. The transaction history for the special credit card is monitored and, once a condition is satisfied, a rebate is provided by the credit card company. The rebate is not provided to the credit card user. Instead, the rebate is provided to a non-profit service organization that, in turn, administers distribution of the rebate to a non-profit or charitable organization specified by the credit card user. For example, a user can designate a specific school (e.g., the local elementary school) to receive the rebate. | 07-10-2014 |
| 20140195326 | System and Method for Rebate Queue Management - A rebate queue management system comprises a seller end, a buyer end, a payment module end, a transaction extraction unit, a discount extraction unit, a rebate calculation unit, a sorting unit coupled to the rebate calculation unit, a queue unit coupled to the sorting unit, and a rebate unit coupled to the queue unit. Once the queue number in a currency subunit queue accumulates to n times of the cycle number of the queue, the system releases one rebate to the buyer of the transaction associated with the n | 07-10-2014 |
| 20140200984 | System and Method for Administering a Brokerage Rebate Card Program - A technique for administering a rebate program includes logic for generating rebate information based the purchase of goods and/or services using a card instrument. The technique further includes logic for applying a rebate, based on the rebate information, to fund at least part of a transaction performed by an brokerage service. In one embodiment, the brokerage service charges a fee to perform the transaction. In this case, the rebate is used to fund at least part of the transaction fee. The rebate therefore entitles the cardholder to perform a transaction free of charge. The rebate thus is converted to one or more “free transactions,” and in a more specific application, one or more “free trades.” | 07-17-2014 |
| 20140214518 | SYSTEM AND METHOD FOR PRICE MATCHING AND COMPARISON - A method and system for providing a consumer comparative pricing data from at least two merchants is discussed. In one aspect of the invention a customer of a merchant queries a database containing time and location specific pricing data for competitors of the first merchant. If the query shows that the customer could have purchased the same item or items for a lower price at a competitor, the first merchant awards the customer an on-line credit that is redeemable at the merchant. In another aspect, a consumer uploads an image of a competitor's receipt. The item specific data on the receipt is converted to UPC codes on an item by item basis. These UPC codes are then compared against the merchant's pricing database and the consumer is provided data set comparing the prices the consumer paid to the prices the consumer would have paid had the consumer shopped at the merchant. | 07-31-2014 |
| 20140214519 | PRODUCT SCOUT PLATFORM METHODS, APPARATUSES AND MEDIA - A rebate fulfillment request may be obtained from a user. A determination may be made that an offer associated with the rebate fulfillment request is unlocked for the user. Data may be validated to ensure that offer terms associated with the offer are satisfied. A rebate associated with the rebate fulfillment request may be approved and rebate fulfillment for the rebate may be facilitated. | 07-31-2014 |
| 20140278901 | Donation Processing Systems And Methods For A Price Comparison System - Systems and methods are disclosed for evaluating a transaction concluded at a POS (point of sale) device. Prices for competitive retail stores within a geographic region of the POS may be evaluated after concluding a transaction. Price differences between items and corresponding prices in the third party data are identified. Where the purchase price exceeds the corresponding third-party price, a credit is assigned to the customer, such as in the form of a gift card or code that may be redeemed in a subsequent transaction. Credits may also be assigned to a debit card associated with a user, either with or without applying some multiplier. A portion of the credit may be donated to a donee. Third party donations associated with a product purchased in a transaction may also be assigned to a donee. | 09-18-2014 |
| 20140278902 | Return Processing Systems And Methods For A Price Comparison System - Systems and methods are disclosed for evaluating a transaction concluded at a POS (point of sale) device. Prices for competitive retail stores within a geographic region of the POS may be evaluated after concluding a transaction. Price differences between items and corresponding prices in the third party data are identified. Where the purchase price exceeds the corresponding third-party price, a credit is assigned to the customer, such as in the form of a gift card or code that may be redeemed in a subsequent transaction. Credits may also be assigned to a debit card associated with a user, either with or without applying some multiplier. A return transaction record and updated record may be generated in response to the assigning of credits, the updated record listing as a purchase price the original price for each item less a credit assigned for that item. | 09-18-2014 |
| 20140278903 | Price Comparison Systems and Methods - Systems and methods are disclosed for evaluating a transaction concluded at a POS (point of sale) device. Prices for competitive retail stores within a geographic region of the POS may be evaluated after concluding a transaction. Price differences between items and corresponding prices in the third party data are identified. Where the purchase price exceeds the corresponding third-party price, a credit is assigned to the customer, such as in the form of a gift card or code that may be redeemed in a subsequent transaction. Credits may also be assigned to a debit card associated with a user, either with or without applying some multiplier. A credit may be applied to an online transaction of the user. Based on the use of the credit, the user's in-store purchases and online purchases may be related to the same individual and used to better characterize interests of the user. | 09-18-2014 |
| 20140304058 | CLOUD SERVICE AND PRODUCT MANAGEMENT SYSTEM FOR MANAGING WARRANTY AND OTHER PRODUCT INFORMATION - Disclosed in some examples is a product management service including a point of sale module configured to receive from a point of sale terminal, over a network, product and consumer information as part of a sale of a product described by the product information; associate the consumer information with a consumer account; and update the consumer account with the product information; and a warranty registration module configured to send a portion of the product information and a portion of the customer information to a warranty registration service responsive to updating the consumer account with the product information to register the product described by the product information. | 10-09-2014 |
| 20140304059 | Systems and Methods for Price Matching and Comparison - A method and system for providing a consumer comparative pricing data from at least two merchants is discussed. In one aspect of the invention a customer queries a database containing time and location specific pricing data for competitors of a first merchant. If the query shows that the customer could have purchased the same item or items for a lower price at a competitor, the first merchant awards the customer an on-line credit that is redeemable at the merchant. In another aspect, a consumer uploads an image of a competitor's receipt. The item specific data on the receipt is converted to UPC codes on an item-by-item basis. These UPC codes are then compared against the merchant's pricing database and the consumer is provided data set comparing the prices the consumer paid to the prices the consumer would have paid had the consumer shopped at the merchant. | 10-09-2014 |
| 20140337116 | MARKETING TECHNIQUE TO NEGOTIATE PRICE OF PRODUCT - Techniques are provided in which the current price of a commodity purchased from a seller by a buyer with a price guarantee policy is monitored. Upon detection of the current price dropping below the purchase price, the buyer and seller are notified, leading to a rebate being provided to the buyer from the seller to be redeemed based on the terms of the price guarantee policy. In some embodiments, buyers are offered incentives, such as a discounted price, in exchange for a reduced time period within which a price guarantee policy is redeemable. | 11-13-2014 |
| 20140344046 | ELECTRONIC PAYMENT SYSTEM WITH PAYER CONTROLLED TRANSACTION FEES AND VARIABLE REBATE CAPABILITIES - A system makes payments from each payer of a community of payers to each vendor of a community of vendors, assesses a variable transaction fee to each vendor, and provides a variable rebate to the payer. The transaction fee is referred to as “variable” because: i) it may be varied amongst vendors (the same payer may use different rates for different vendors); and ii) the rate may be varied amongst payers (the same vendor may be subjected to different rates, based on the particular payer making the payment). The transaction fee may be charged to the vendor by deduction from the payment. Alternatively the transaction fee may be charged to the vendor by deduction from the vendor's account at the time payment is made. The variable rebate is based on the total transaction fee applicable to payments made by the payer over a predetermined period of time. The rebate may be the product of the total transaction fee multiplied by a rebate percentage. In a two tier system, the rebate may be the sum of: i) product of the total transaction fee multiplied by a base rebate percentage; and ii) the product of that portion of the total transaction fee in excess of an accelerator threshold multiplied by an accelerated rebate percentage. | 11-20-2014 |
| 20150039413 | METHOD AND SYSTEM FOR MAKING PAYMENTS AND RECEIVING REBATES - A method and system for providing a rebate for a purchase, the method including collecting, in a database of a rebate server, personal data and transaction history regarding a personal subscriber, receiving rebate parameters from a business subscriber in a database of the rebate server, calculating a personal rebate for a new transaction based on the subscriber data and the rebate parameters for the subscriber and, upon receipt of payment for the new transaction, providing the personal rebate to the subscriber. | 02-05-2015 |
| 20150046246 | Multi-Level Transaction Rebate Computation and Distribution System and Method - The invention provides a system and method to compute and distribute rebates during various business transactions. The system comprises a transaction end, a transaction itemization end, a user end, a data processing end, a coefficient set up end, a rebate division end, a rebate settlement end, and a payout. Rebates can take the form of direct rebate, queued rebate, or reserved rebate. A novel computing method is provided to bring various type or scale of business transactions onto a centralized platform, and redistribute rebates in a timely window. | 02-12-2015 |
| 20150324835 | REBATE PROGRAMS ADMINISTERED VIA PAYMENT PROCESSING SYSTEM BASED ON MERCHANT-AGGREGATED DATA - A customer rewards system includes a plurality of merchant point of sale (POS) terminals, a merchant computer, a rebate computer having a rebate computer processor operably connected to a storage device, and a payment system. The rebate computer receives, from the merchant device, a batch of transaction data of items purchased by cardholders, tracks purchases of a plurality of cardholders related to certain items purchased during a predetermined period of time, determines that a particular cardholder qualifies for a rebate amount, generates a payment transaction request that includes a special rebate account number of a special rebate account for funding rebates, and transmits the payment transaction request to the payment system to credit the rebate amount to a payment card account of the cardholder. | 11-12-2015 |
| 20150332306 | SOCIAL-FINANCIAL NETWORK SYSTEMS AND METHODS - The present disclosure provides systems and methods directed to a social-financial platform. In certain embodiments, sponsor-members, consumer-members, and beneficiary members are part of a social-financial platform in which purchases made by consumer-members at merchant sponsor-members result in automatic rebates being paid to and allocated between the consumer member and one or more beneficiary-members. Also disclosed is a monolithic financial structure for carrying out rebate allocation automatically and instantaneously, and for transferring funds between users. | 11-19-2015 |
| 20150348085 | REBATE PROCESSING AND DATA COLLECTION SYSTEM AND METHOD - Systems, methods, and computer-readable media for rebate processing are provided. For example, the method includes receiving a plurality of rebate requests comprising a plurality of fields, with the plurality of rebate requests being associated with a distributor. The method also includes normalizing the plurality of fields to generate a plurality of normalized fields, determining, using a processor, whether to issue a rebate by applying of the plurality of rules to the plurality of normalized fields, and determining, using the processor, sales information related to sales activities of the distributor based on the plurality of rebate requests. | 12-03-2015 |
| 20160042396 | TECHNIQUES FOR WIRELESS COMMUNICATION OF PROXIMITY BASED MARKETING - A system and method for wireless communication of proximity based marketing is provided. The method includes determining whether a proximity device and a mobile computing device are within a first proximity to each other, wherein the proximity device is associated with at least one of a product and a service, and communicating information indicating that the proximity device and the mobile computing device are within the first proximity to each other, when it is determined that the proximity device and the mobile computing device are within the first proximity to each other. | 02-11-2016 |
| 20160092905 | SYSTEM AND METHOD FOR THE REGISTRATION, COMPENSATION, MANAGEMENT AND ANALYSIS OF PRODUCT OR CONTENT CUSTOMIZED PURCHASE OR SELLING - The present invention refers to the customization of generic product and/or content purchase and/or offering, either comprising or not a social responsibility parameter by means of a system comprising the incorporation of a key, designated token, which solely identifies each item of said products. By means of an adequate incentive such as rendering a specific offer, the purchaser and/or recipient of the offer, will use this key to personally identify himself before the system, namely by means of a proper site on the Internet, through telephone line, SMS, MMS, WAP, among others. The present invention describes a system, database and co-related methods allowing the functionality. By means of this identification it is possible to convert generic product and/or content purchase and/or offering, either with or without a social responsibility parameter, into totally identified transactions, thus generating information and allowing its validation and promotion. | 03-31-2016 |
| 20160104188 | CONSUMER PRICE PROTECTION SERVICE - Prices, rebates and/or coupons may be monitored with respect to goods and/or services purchased by consumers. When applicable, store policies for price adjustments, rebates, and/or coupons may be saved, and websites may be searched for these price adjustments, rebates, and/or coupons. When a price adjustment, rebate, and/or coupon is found for a product or service purchased by a consumer, the system may automatically submit a claim for the price adjustment, rebate, and/or coupon. When the money is received by the consumer, the company offering the consumer monitoring service may charge the consumer a portion thereof. | 04-14-2016 |
| 20160104189 | IN-AISLE COMPETITIVE OFFER PUSH SYSTEM AND METHOD - A method includes receiving an indication that a user is requesting a price comparison with respect to a product available for sale in a retail store aisle. The indication may be received at a time when the user is present in the aisle. The method further includes determining a competitive item that shares a product characteristic with the product available for sale in the aisle. In addition, the method includes transmitting an offer to the user to induce the user to purchase the competitive item. | 04-14-2016 |
| 20160171526 | IDENTIFYING AND CREDITING REBATES TO USERS OF AN AFFILIATE MARKETING REBATE SYSTEM | 06-16-2016 |
| 20160189137 | SYSTEMS AND METHODS FOR PROVIDING COMPENSATION, REBATE, CASHBACK, AND REWARD FOR USING MOBILE AND WEARABLE PAYMENT SERVICES, DIGITAL CURRENCY, NFC TOUCH PAYMENTS, MOBILE DIGITAL CARD BARCODE PAYMENTS, AND MULTIMEDIA HAPTIC CAPTURE BUYING - Provided are methods and systems for providing compensation for using a mobile payment service. The method may commence with receiving payment information associated with a user. The method may include generating a unique code encoding the payment information and providing the generated unique code to the user. The method may continue with receiving a deposit amount associated with a purchase related to the user. The purchase may be made via the mobile payment service. The method may further include receiving a notification about a further purchase of the user via the mobile payment service. The notification may include at least the unique code and a product barcode. The product barcode may be associated with the further purchase. The method may further include providing a compensation from the deposit amount to the user. The compensation may be associated with a payment amount associated with the further purchase. | 06-30-2016 |
| 20190147483 | CUSTOM REWARDS PROTOCOL AND SYSTEM ARCHITECTURE | 05-16-2019 |
