US20090119174A1 - Coupon generation and redemption system - Google Patents

Coupon generation and redemption system Download PDF

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Publication number
US20090119174A1
US20090119174A1 US12/266,691 US26669108A US2009119174A1 US 20090119174 A1 US20090119174 A1 US 20090119174A1 US 26669108 A US26669108 A US 26669108A US 2009119174 A1 US2009119174 A1 US 2009119174A1
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US
United States
Prior art keywords
coupon
generation
redemption system
redemption
coupons
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
US12/266,691
Inventor
Stefan Lawrence Pfister
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
IN-STORE PROMOTIONS Inc
In Store Promotions Inc
Original Assignee
In Store Promotions Inc
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Filing date
Publication date
Application filed by In Store Promotions Inc filed Critical In Store Promotions Inc
Priority to US12/266,691 priority Critical patent/US20090119174A1/en
Assigned to IN-STORE PROMOTIONS, INC. reassignment IN-STORE PROMOTIONS, INC. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: PFISTER, STEFAN LAWRENCE
Publication of US20090119174A1 publication Critical patent/US20090119174A1/en
Priority to US13/308,451 priority patent/US8660892B2/en
Abandoned legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0222—During e-commerce, i.e. online transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0224—Discounts or incentives, e.g. coupons or rebates based on user history
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0225—Avoiding frauds
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0235—Discounts or incentives, e.g. coupons or rebates constrained by time limit or expiration date
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0237—Discounts or incentives, e.g. coupons or rebates at kiosk

Definitions

  • the invention relates generally to coupons. More particularly, the invention relates to a coupon generation and redemption system.
  • Coupons typically offer a monetary discount on the specified product.
  • Manufacturer coupons are distributed by the manufacturer of a particular product and are redeemable by consumers at a variety of retailers that sell the specified products.
  • Store coupons in contrast are distributed by a particular store and may only be redeemed at the specified store.
  • An embodiment of the invention is directed to a coupon generation and redemption system that not only enhances the incentives for the consumer to redeem the coupon but also reduces the costs associated with processing the redeemed coupon and reduces fraud associated with coupon redemption.
  • the invention is directed to a coupon generation and redemption system.
  • the coupon generation and redemption system enables stores and manufacturers to increase the efficiency and decrease fraud associated with coupon generation and redemption.
  • the coupon generation and redemption system In contrast from manufacturer coupons, the coupon generation and redemption system generates coupons that may only be redeemable at the store (or chain) in which it was issued. This system thereby supports product manufacturer objective to limit or target promotional dollars to a specific retail account. Since the coupons cannot be redeemed at other stores, the coupon generation and redemption system provides exclusivity to the retail store (or chain).
  • Coupons produced using the coupon generation and redemption system may have a different look and feel than manufacturer coupons and store coupons. Since the coupons are typically only valid at a particular store, the name of the store may be printed on the coupon.
  • the location of the item in the store such as the aisle may be printed on the coupons produced using the coupon generation and redemption system.
  • the coupons produced using the coupon generation and redemption system may be produced proximate to the time when the consumer will be shopping for the products identified in the coupons.
  • the coupons may be produced using a kiosk that is located inside of or adjacent to the retail store where the coupons will be used.
  • One such system is described in U.S. Pat. No. 6,151,587, which is assigned to the assignee of the present patent application.
  • Using such a kiosk in conjunction with the coupon generation and redemption system enables the coupons to be frequently changed based upon a variety of factors such as the day of the week, the time of day and the weather.
  • the kiosk also interacts with the consumer just prior to the consumer selecting products and thereby has the potential of increasing the influence of the consumer's purchasing selections.
  • coupon generation and redemption system may be implemented using other techniques such as selecting and printing the coupons on a home or office computer such as by accessing a web site using the internet or other computer network.
  • a mobile computing device an example of which is a mobile communication device.
  • the facilitate redeeming the coupon, a code and/or a graphic such as a bar code may be displayed on the mobile computing device.
  • Yet another technique for redeeming the coupon is to associate the coupon with a card such as a credit card or an affinity card. Generating the coupon in this manner would enable the coupon to be redeemed when the card to which the coupon is associated is processed during the purchase of the product referenced in the coupon.
  • Coupons generated using the coupon generation and redemption system may have a short time of validity before expiration, such as expiring on the same day that the coupon is generated.
  • the coupon generation and redemption system supports both the retailer and product manufacturer objective of achieving an immediate call to action and the related purchase of a featured item.
  • the value of the coupon may be variable depending on factors such as prior purchasing activities of the consumer that is desiring to print the coupon or the prior purchasing activities of the group of consumers that use the coupon generation system.
  • the value of the coupon may also vary depending the since the coupon has been generated and/or the time until the coupon expires. For example, during each increment of time since the coupon was generated, the value of the coupon may decrease.
  • Data generated from the use of coupons generated using the coupon generation and redemption system may be electronically accessible for review at the completion of a related transaction. Providing such data gives immediate control over the level of redemptions, as well as the ability to make immediate adjustments to the offer based on actual redemption experience. In contrast, data derived from redemption of manufacturer coupons and store coupons may have delayed availability because of manual processing of such coupons.
  • the coupon generation and redemption system enables coupons to be electronically processed for reimbursement by the product manufacturer.
  • Electronically processing coupons reduces the time, hassle and money typically associated with retailers and manufacturers handling a paper coupon and processing them for reimbursement through a clearinghouse.
  • Electronically processing coupons using the coupon generation and redemption system provides the retailer and manufacturer with greatly enhanced auditing capabilities including the day and time of each purchase, the total amount of the purchase, the other products that were purchased in the transaction and the register where the transaction was made.
  • the system validates the coupon to a specific list of products, as opposed to using a manufacturer code and a more generic product family code that is typically used with manufacturer coupons.
  • the coupon generation and redemption system thereby avoids the potential for mis-redemptions or the prospect of fraud due to a lack of one-to-one pairing either in the redemption of the coupon by the consumer or by the retailer.

Abstract

A coupon generation and redemption system presenting a consumer with at least one product on which at least one promotion is available. The consumer selects at least one of the at least one product for which the consumer desires to receive at least one coupon. The at least one coupon is generated. The consumer purchases the at least one product referenced in the at least one coupon. The consumer redeems the at least one coupon.

Description

    REFERENCE TO RELATED APPLICATION
  • This application claims priority to U.S. Provisional Applic. No. 60/986,285, filed Nov. 7, 2007, the contents of which are incorporated herein by reference.
    • FIELD OF THE INVENTION
  • The invention relates generally to coupons. More particularly, the invention relates to a coupon generation and redemption system.
    • BACKGROUND OF THE INVENTION
  • One of the promotional techniques used by manufacturers and retailers to encourage the purchase of particular products is coupons. Coupons typically offer a monetary discount on the specified product.
  • There are two types of coupons—manufacturer coupons and store coupons. Manufacturer coupons are distributed by the manufacturer of a particular product and are redeemable by consumers at a variety of retailers that sell the specified products. Store coupons in contrast are distributed by a particular store and may only be redeemed at the specified store.
  • While store coupons are processed by the store where redeemed, manufacturer coupons are typically processed by a coupon clearinghouse that sort the coupons for particular manufacturers and then submit the data to the manufacturers requesting payment for the coupons along with a processing fee being submitted to the retailers.
    • SUMMARY OF THE INVENTION
  • An embodiment of the invention is directed to a coupon generation and redemption system that not only enhances the incentives for the consumer to redeem the coupon but also reduces the costs associated with processing the redeemed coupon and reduces fraud associated with coupon redemption.
    • DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
  • The invention is directed to a coupon generation and redemption system. The coupon generation and redemption system enables stores and manufacturers to increase the efficiency and decrease fraud associated with coupon generation and redemption.
  • In contrast from manufacturer coupons, the coupon generation and redemption system generates coupons that may only be redeemable at the store (or chain) in which it was issued. This system thereby supports product manufacturer objective to limit or target promotional dollars to a specific retail account. Since the coupons cannot be redeemed at other stores, the coupon generation and redemption system provides exclusivity to the retail store (or chain).
  • Coupons produced using the coupon generation and redemption system may have a different look and feel than manufacturer coupons and store coupons. Since the coupons are typically only valid at a particular store, the name of the store may be printed on the coupon.
  • To aid the consumer in locating the product referenced on the coupon in the store, the location of the item in the store such as the aisle may be printed on the coupons produced using the coupon generation and redemption system.
  • The coupons produced using the coupon generation and redemption system may be produced proximate to the time when the consumer will be shopping for the products identified in the coupons. For example, the coupons may be produced using a kiosk that is located inside of or adjacent to the retail store where the coupons will be used. One such system is described in U.S. Pat. No. 6,151,587, which is assigned to the assignee of the present patent application.
  • Using such a kiosk in conjunction with the coupon generation and redemption system enables the coupons to be frequently changed based upon a variety of factors such as the day of the week, the time of day and the weather. The kiosk also interacts with the consumer just prior to the consumer selecting products and thereby has the potential of increasing the influence of the consumer's purchasing selections.
  • Alternatively, the coupon generation and redemption system may be implemented using other techniques such as selecting and printing the coupons on a home or office computer such as by accessing a web site using the internet or other computer network.
  • It is also possible to generate the coupons on an electronic device such as a mobile computing device, an example of which is a mobile communication device. The facilitate redeeming the coupon, a code and/or a graphic such as a bar code may be displayed on the mobile computing device.
  • Yet another technique for redeeming the coupon is to associate the coupon with a card such as a credit card or an affinity card. Generating the coupon in this manner would enable the coupon to be redeemed when the card to which the coupon is associated is processed during the purchase of the product referenced in the coupon.
  • Coupons generated using the coupon generation and redemption system may have a short time of validity before expiration, such as expiring on the same day that the coupon is generated.
  • Through the use of a time of validity that is much shorter than conventional manufacturer and store coupons, the coupon generation and redemption system supports both the retailer and product manufacturer objective of achieving an immediate call to action and the related purchase of a featured item.
  • The value of the coupon may be variable depending on factors such as prior purchasing activities of the consumer that is desiring to print the coupon or the prior purchasing activities of the group of consumers that use the coupon generation system.
  • The value of the coupon may also vary depending the since the coupon has been generated and/or the time until the coupon expires. For example, during each increment of time since the coupon was generated, the value of the coupon may decrease.
  • Data generated from the use of coupons generated using the coupon generation and redemption system may be electronically accessible for review at the completion of a related transaction. Providing such data gives immediate control over the level of redemptions, as well as the ability to make immediate adjustments to the offer based on actual redemption experience. In contrast, data derived from redemption of manufacturer coupons and store coupons may have delayed availability because of manual processing of such coupons.
  • The coupon generation and redemption system enables coupons to be electronically processed for reimbursement by the product manufacturer. Electronically processing coupons reduces the time, hassle and money typically associated with retailers and manufacturers handling a paper coupon and processing them for reimbursement through a clearinghouse.
  • Electronically processing coupons using the coupon generation and redemption system provides the retailer and manufacturer with greatly enhanced auditing capabilities including the day and time of each purchase, the total amount of the purchase, the other products that were purchased in the transaction and the register where the transaction was made.
  • When consumers attempt to redeem coupons produced using the coupon generation and redemption system, the system validates the coupon to a specific list of products, as opposed to using a manufacturer code and a more generic product family code that is typically used with manufacturer coupons.
  • The coupon generation and redemption system thereby avoids the potential for mis-redemptions or the prospect of fraud due to a lack of one-to-one pairing either in the redemption of the coupon by the consumer or by the retailer.
  • Product manufacturers are only billed based on actual redemption data with coupons produced using the coupon generation and redemption system. This pay-for-performance model is in contrast to manufacturer coupons which are pay-by-print and store coupons which are typically supported through a generalized basket of product manufacturer trade funds.
  • It is contemplated that features disclosed in this application, as well as those described in the above applications incorporated by reference, can be mixed and matched to suit particular circumstances. Various other modifications and changes will be apparent to those of ordinary skill.

Claims (12)

1. A coupon generation and redemption system comprising:
presenting a consumer with at least one product on which at least one promotion is available;
selecting at least one of the at least one product for which the consumer desires to receive at least one coupon;
generating at least one coupon;
purchasing the at least one product referenced in the at least one coupon; and
redeeming the at least one coupon.
2. The coupon generation and redemption system of claim 1, wherein a redemption value of the at least one coupon is determined by at least one of a day on which the at least one coupon is generated, a time of day on which the at least one coupon is generated, a day on which the at least one coupon is redeemable and a time of day on which the at least one coupon is redeemable.
3. The coupon generation and redemption system of claim 1, wherein a redemption value of the at least one coupon varies based upon the amount of time from which the at least one coupon was generated.
4. The coupon generation and redemption system of claim 1, wherein a redemption value of the at least one coupon is determined by the prior purchasing activities of the consumer that generates the at least one coupon.
5. The coupon generation and redemption system of claim 1, wherein a redemption value of the at least one coupon is determined by the prior purchasing activities of a group of consumers that have generated the at least one coupon.
6. The coupon generation and redemption system of claim 1, wherein the at least one coupon may be generated at a kiosk located in the store at which the at least one coupon is redeemable, on a computer, on a mobile communication device or combination thereof.
7. The coupon generation and redemption system of claim 1, and further comprising electronically processing the at least one coupon for reimbursement.
8. The coupon generation and redemption system of claim 7, wherein electronically processing the at least one coupon comprises comparing the at least one product referenced on the at least one coupon to the list of products sold at the store where the at least one coupon is redeemed.
9. The coupon generation and redemption system of claim 1, wherein the at least one coupon is only redeemable at particular stores.
10. The coupon generation and redemption system of claim 1, wherein the at least one coupon includes information on a location in the store in which the at least one product referenced in the at least one coupon may be located.
11. The coupon generation and redemption system of claim 1, wherein the at least one coupon is generated proximate to a time when the at least one coupon is to be redeemed to encourage the consumer to select the at least one product referenced in the at least one coupon.
12. The coupon generation and redemption system of claim 1, wherein the at least one coupon has a short period of time in which the at least one coupon may be redeemed.
US12/266,691 2007-11-07 2008-11-07 Coupon generation and redemption system Abandoned US20090119174A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US12/266,691 US20090119174A1 (en) 2007-11-07 2008-11-07 Coupon generation and redemption system
US13/308,451 US8660892B2 (en) 2007-11-07 2011-11-30 Coupon generation and redemption system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US98628507P 2007-11-07 2007-11-07
US12/266,691 US20090119174A1 (en) 2007-11-07 2008-11-07 Coupon generation and redemption system

Related Child Applications (1)

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US13/308,451 Continuation US8660892B2 (en) 2007-11-07 2011-11-30 Coupon generation and redemption system

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US20090119174A1 true US20090119174A1 (en) 2009-05-07

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US12/266,691 Abandoned US20090119174A1 (en) 2007-11-07 2008-11-07 Coupon generation and redemption system
US13/308,451 Expired - Fee Related US8660892B2 (en) 2007-11-07 2011-11-30 Coupon generation and redemption system

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Cited By (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110060631A1 (en) * 2009-09-04 2011-03-10 Bank Of America Redemption of customer benefit offers based on goods identification
US20110060691A1 (en) * 2009-09-04 2011-03-10 Bank Of America Targetable multi-media promotion channel at point of sale
US20120066041A1 (en) * 2010-09-13 2012-03-15 Mankoff Jeffrey W Systems and methods for virtual transferring of gifts
US20120284107A1 (en) * 2011-05-03 2012-11-08 Russell Gernaat Digital coupon clearinghouse
WO2013098569A1 (en) * 2011-12-30 2013-07-04 Vilmos Andras Method and communication device for handling electronic coupon data
US8505813B2 (en) 2009-09-04 2013-08-13 Bank Of America Corporation Customer benefit offer program enrollment
US8751298B1 (en) 2011-05-09 2014-06-10 Bank Of America Corporation Event-driven coupon processor alert
CN106886908A (en) * 2015-12-11 2017-06-23 王宇鹏 Moving marketing system based on lottery ticket red packet and reward voucher red packet
US9892419B1 (en) 2011-05-09 2018-02-13 Bank Of America Corporation Coupon deposit account fraud protection system
US10313480B2 (en) 2017-06-22 2019-06-04 Bank Of America Corporation Data transmission between networked resources
US10511692B2 (en) 2017-06-22 2019-12-17 Bank Of America Corporation Data transmission to a networked resource based on contextual information
US10524165B2 (en) 2017-06-22 2019-12-31 Bank Of America Corporation Dynamic utilization of alternative resources based on token association
US10749915B2 (en) 2010-09-13 2020-08-18 Jeffrey W. Mankoff Modifying signal associations in complex computing networks
US11157935B1 (en) 2010-12-03 2021-10-26 Excentus Corporation Systems and methods for self-generation of E-coupons
US11388206B2 (en) 2010-09-13 2022-07-12 Jeffrey W. Mankoff Modifying signal associations in complex computing networks

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US20130166360A1 (en) * 2011-12-21 2013-06-27 Yahoo! Inc. User centric group buying deals
US10528966B2 (en) 2011-12-30 2020-01-07 Ebay Inc. Systems and methods for delivering dynamic offers to incent user behavior
US20220245665A1 (en) * 2012-04-26 2022-08-04 Groupon, Inc. Modification of electronic content identified by a transmission of an indication of the online content after the transmission
CA2928002A1 (en) * 2013-10-22 2015-04-30 Retailmenot, Inc. Providing offers and associated location information
US10354286B1 (en) 2016-10-12 2019-07-16 Inmar Clearing, Inc. Digital promotions system including user-craving profile and upcoming event based digital promotion and related methods

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US6932270B1 (en) * 1997-10-27 2005-08-23 Peter W. Fajkowski Method and apparatus for coupon management and redemption

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Cited By (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110060631A1 (en) * 2009-09-04 2011-03-10 Bank Of America Redemption of customer benefit offers based on goods identification
US20110060691A1 (en) * 2009-09-04 2011-03-10 Bank Of America Targetable multi-media promotion channel at point of sale
US8505813B2 (en) 2009-09-04 2013-08-13 Bank Of America Corporation Customer benefit offer program enrollment
US20120066041A1 (en) * 2010-09-13 2012-03-15 Mankoff Jeffrey W Systems and methods for virtual transferring of gifts
US10749915B2 (en) 2010-09-13 2020-08-18 Jeffrey W. Mankoff Modifying signal associations in complex computing networks
US11388206B2 (en) 2010-09-13 2022-07-12 Jeffrey W. Mankoff Modifying signal associations in complex computing networks
US11956283B2 (en) 2010-09-13 2024-04-09 Jeffrey W. Mankoff Modifying signal associations in complex computing networks
US11157935B1 (en) 2010-12-03 2021-10-26 Excentus Corporation Systems and methods for self-generation of E-coupons
US20120284107A1 (en) * 2011-05-03 2012-11-08 Russell Gernaat Digital coupon clearinghouse
EP2521082A3 (en) * 2011-05-03 2013-02-20 Coupons.com Incorporated Digital coupon clearinghouse
US9892419B1 (en) 2011-05-09 2018-02-13 Bank Of America Corporation Coupon deposit account fraud protection system
US8751298B1 (en) 2011-05-09 2014-06-10 Bank Of America Corporation Event-driven coupon processor alert
WO2013098569A1 (en) * 2011-12-30 2013-07-04 Vilmos Andras Method and communication device for handling electronic coupon data
CN106886908A (en) * 2015-12-11 2017-06-23 王宇鹏 Moving marketing system based on lottery ticket red packet and reward voucher red packet
US10986541B2 (en) 2017-06-22 2021-04-20 Bank Of America Corporation Dynamic utilization of alternative resources based on token association
US10524165B2 (en) 2017-06-22 2019-12-31 Bank Of America Corporation Dynamic utilization of alternative resources based on token association
US11190617B2 (en) 2017-06-22 2021-11-30 Bank Of America Corporation Data transmission to a networked resource based on contextual information
US10511692B2 (en) 2017-06-22 2019-12-17 Bank Of America Corporation Data transmission to a networked resource based on contextual information
US10313480B2 (en) 2017-06-22 2019-06-04 Bank Of America Corporation Data transmission between networked resources

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US20120136709A1 (en) 2012-05-31
US8660892B2 (en) 2014-02-25
CA2643549A1 (en) 2009-05-07

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