6018results about "Discounts/incentives" patented technology

A system and process that provides an on-line, interactive, and fully integrated benefit-driven value exchange and settlement program that monitors, evaluates, and manages economic and personal benefits and executes functions to produce and acquire the maximum or preferred benefit items for users by guiding and automating appropriate payment and settlement actions. The present invention finds useful patterns in data; produces conclusions based on rules and experience; responds to environmental changes with or without human intervention; and, may evolve through selecting the best results from random mutations all of which are intended to maximise user value.

Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Consumer vectors are developed within the vector space, to represent interests of particular consumers by virtue of relative vector positions of consumer and merchant vectors. Various techniques, including clustering, supervised segmentation, and nearest-neighbor analysis, are applied separately or in combination to generate improved predictions of consumer behavior.

The ShopLive system supports existing merchants and malls to better serve customers by providing easy access to merchandise and sales assistance. The shopper accesses the ShopLive system through various portals. They can be a PC, Web TV, mall kiosk, store kiosk, mobile terminal, screen telephone or any other communication device capable of connecting to a communications network. When the shopper starts the shopping mission they can logon in or if already enrolled, they can use a password for a quick entry. They may chose to shop anonymously. A shopper can set up a shopping mission by defining class of goods, price, color and the like and set out to search for that either in their physical location or remotely. Once the items are located video cameras scan the merchandise to the shopper through the terminal. The cameras may be remotely operable to swing through different views to better display the goods. Or they can view items according to pre-determined scan patterns. Sound and other sensory stimulus such as tactile sensors may be used to enhance the shopping experience. The shopper may also ask for help from an assistant (SLA) that acts just like a sales person in a retail setting. This person can help select goods and can discuss the items selected. The SLA can also check product availability and help complete the purchase as in a normal sales transaction. Or, the shopper can use the ShopLive system to check out themselves. As the shopper moves through the shopping mission, they can add items to their electronic shopping cart and have a one-stop check out or they can check out with each merchant. The shopper is also entered into the available loyalty programs and presented with coupons and rebates. At the end of the shopping mission the shopper can either physically pick up the selections are arrange shipping. The ShopLive system supports multiple selling activities including auctions. It is also a rich data-base for merchants and allows targeted advertising. A live browser accesses the shopper to present sales and incentives to the customer. The ShopLive system connects the Shopper and the merchant to make the shopping experience more effective for both.

A system and method providing for communication and reolution of utility functions between participants, wherein the utility function is evaluated based on local information at the recipient to determine a cost value thereof. A user interface having express representation of both information elements, and associated reliability of the information. An automated system for optimally conveying information based on relevance and reliability.

In some embodiments, techniques for rewarding presence include detecting a presence of a mobile phone within an enclosed space, transmitting information relating to the presence of the mobile phone within the enclosed space to a server computer, wherein the server computer processes an award for the presence of the mobile phone within the enclosed space, wherein the award is associated with a user account associated with the mobile phone; and receiving from the server computer information relating to the award.

Systems and/or methods for use in connection with digital downloading jukeboxes are provided. Such systems and/or methods may be used to provide enhanced communications capabilities, e.g., to registered users of jukeboxes. In certain exemplary embodiments, users may become registered users directly at a jukebox. Registered users also may, in certain exemplary embodiments, receive coupons for free plays, import playlists from hardware devices and/or software applications, receive special pricing when playing certain instances of media, play playlists in whole or in part, create and/or manage playlists directly at a jukebox, establish and manage connections with other registered users, etc. Still further, in certain exemplary embodiments, one or more channels may be predefined and/or set up for a jukebox.

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card.

An electronic couponing technique includes transferring coupon information, which may include a coupon ID (identification) to a first portable terminal and storing same therein. The portable terminal displays a representation of the transferred coupon information on a display thereof. The stored coupon information may be transferred from the portable terminal to another terminal for redemption. The stored coupon information may also be transferred from the portable terminal to another portable terminal. Various schemes may be used to transfer the coupon information including a Bluetooth low-range radio link or an optical bar code scanner scanning an optical bar code or an infrared link or a wireless link from the portable terminal. The Internet or wireless LAN (Local Area Network) may also be used in transferring the coupon information to and from the various terminals.

A method and system for providing targeted advertisement information to consumers over a wireless communications network. In one embodiment, local advertisers register to advertise on certain wireless communications devices that are in close proximity to the advertiser. As a consumer enters a cell site that is near the location of the advertiser, the wireless network delivers a message to the wireless device that is specified by the local advertiser. An acknowledgement signal is then received by the network, and the local advertiser's account is charged for transmission of the advertisement. In a further embodiment, each of the messages stored in the database is also associated with one or more demographic codes, and users of wireless communications device select from one more demographic codes to describer their advertisement preferences. Messages to be transmitted to particular wireless communications devices are selected based upon both the location information and the demographics codes that are associated with the messages.

A personal communication and electronic commerce system for use by participating users and participating merchants in connection with incentive programs in the Network Economy. The system includes a cellular communication network that includes geographically spaced base stations that are linked to a fixed communication network. Users may have personal communication devices that can be used to allow a digital message generated on the personal communication devices by placing a call through one of the base stations and memory for storing a digital value corresponding to a monetary value. The personal communication device may also be used as a cellular position locator to determine one's geographic location and, if desired, to access information from a merchant information database containing information pertaining to a plurality of participating merchants located within the geographic territory covered by the cellular communication network. The merchant information may be stored on a database that is accessible by merchants so those merchants can add, delete or alter information contained in their respective listings. An incentive system is also provided for creating incentives for participating users to encourage. This computer implemented incentive program for encouraging certain participant actions includes a first reward program under which participants may earn points for certain actions and a second reward program through which the redemption rate associated with a particular participant is adjusted in response to certain participant action. The incentive program has a wide range of applications, including transportation, financial services and computer gaming.

The transmission system transmits an encrypted identifier ultrasonically in an open-air environment using an ultrasonic transmitter. The ultrasonic identifier is associated with a location, which may be a store or a department within a store, and may be received by a microphone on a mobile phone. The identifier may be used to infer presence of the mobile phone user at the location associated with the identifier. The transmitter may include an ultrasonic transducer. The system may further provide a reward, responsive to inferring presence at the location.

In one embodiment an apparatus includes a housing; a user authenticator, supported by the housing, that authenticates an identity of a user; at least one memory, supported by the housing, that stores transaction information for at least first and second media; and at least one output, supported by the housing, that releases at least a portion of the transaction information to a point-of-sale (POS) terminal after the user authenticator has authenticated the identity of the user. In another embodiment, a method involves steps of: storing transaction information for at least first and second media in a memory of a device; receiving as input a user's selection of one of the at least first and second media; displaying a visual indication to the user regarding which of the at least first and second media has been selected; and transferring at least a portion of the transaction information from the device to a point-of-sale (POS) terminal.

A system for presenting dynamic content to a user of a client device is implemented in a method including the steps of presenting a requested data object to the user; and automatically presenting dynamic content to the user in addition to the presentation of the requested data object, wherein the dynamic content includes information provided by a dynamic executable module running on the client device.

The invention relates to a method, system and apparatus for managing a small business' advertising. More specifically, the system creates and administers a virtual online world accessible to users (players) within a virtual environment. A player interacts with various elements of the virtual environment and during those interactions the advertising is displayed to the user. To subscribe to the virtual environment, a player provides user information through a registration process to create a user profile. The system selects and displays advertisements that are correlated to a given user. The correlation between advertisement and user in one embodiment of the invention is based on a user's zip code. Further, in order to facilitate the quick adoption of the system among small business owners, a fundraising paradigm is implemented. More specifically, people volunteer to sell advertising opportunities within a virtual environment in exchange for a share of sales revenues.