US 2006/0242084 A1 · Consumer data credit or debit card

A consumer data credit card or debit card making use of consumer data—for use on the Internet, and linked to a master catalogue of products comprising the steps of:

A. data mining of the consumer cardholder's profile for past purchases and surveying their anticipated purchases through in person interview, and telephone questionnaire and Internet online questionnaire;
B. data storage of the consumer profile for analysis, use and transmission over the Internet;
C. encryption of the consumer identity also known as their “Origin Code,” allowing the circulation of their consumer profile data without out their identity being revealed;
D. online tutorial or orientation for the cardholder on how to use the master catalogue of products, goods, and services, and how to regularly refresh their consumer data profile as one means of controlling solicitations;
E. dispersals of identity encrypted consumer data profiles to retailers on the Internet to establish discount offers;
F. processing acceptances and associated billing.

3 more elements

Claim 2 achieving a universal discount of the dedicated customer approved at stores, where the consumer regularly shops, comprising the steps of:

A. obtaining a universal discount by virtue of a simple dispersal of data via the Internet or telephone land line containing the origin code's predetermined consumer profile as a target market for anticipated purchases at the product supplier store or Internet point of sale;
B. establishing a periodic unit of time threshold for an in store visit or product purchase or web site visit to meet the minimum eligibility standards to be considered a dedicated customer;
C. tracking past and present purchasing data of the consumer cardholder for recorded purchases that meet minimum standards;
D. regular dispersals of consumer data to the retailer confirming in store visits;
E. consumer's buying habits and purchasing power is linked to other data cardholders for added leverage in brokering a universal discount of their savings to the product supplier linked to the Internet;
F. competitive price comparison section in the Internet master catalogue between local merchants displaying their competing shopping information including per product price or comparison universal discount;
G. the consumer is given specific email or regular mail directives on purchases to maximize their leveraging power;
H. continued dispersals of consumer data in an attempt to broker discounts for specific products or overall discount by steering customer business to proper store.

5 more elements

Claim 3 comprising the establishment over the Internet of a universal master catalogue of manufacturers, goods, products, and services also known generically as:

product suppliers, and linking the consumer data credit card or debit card and comprising the steps of:
A. product and service offer advertisements are posted on Internet coming in from product suppliers consisting of discounted and non-discounted products and going into the “General Section” of the catalogue;
B. product and service offer advertisements are posted on Internet coming in from product suppliers and some qualifying to go into the “Best Buys” section of the catalogue;
C. product and service offer advertisements are posted on Internet coming in from product suppliers, then going into the “Hot Brands” section of the catalogue;
D. consumer data cardholder's origin web address (home page of the master catalogue) has an option for encryption of their web or Internet service provider's address or home address and Internet cookies remain unknown, as they search the catalogue;
E. consumer data cardholder can option to leave the Internet cookies to us:
to track and disperse their data of visits through the entire Internet catalogue or general Internet visits outside the catalogue to product suppliers;
F. consumer data cardholder can option to allow the advertisers to view their Internet cookies while visiting the catalogue allowing them to receive discount offers based on their recent views;
G. consumer data cardholder searches the catalogue updating their profile by clicking through on product icon to demonstrate product interest for potential price reduction offer from product supplier linked to the Internet or;
H. consumer data cardholder can limit the amount of solicitations that come through in regulating pop up ads and regular web solicitations for specific types of products and thus enhance their focus for the things that they really desire and anticipate purchasing;
I. in the alternative partial or all control blocking of internet ads can be taken away from the consumer
J. requests for solicitations from product suppliers in the Internet catalogue can be by accomplished clicking on category of products or by clicking on brand or by clicking on store or by clicking on geographic region for all stores or selected stores in the geographic region;
K. consumer can request a product search by key word search and request a discount for the product by simply clicking on the product or simply enter and price offer for the product;
L. in the alternative consumer can request its offer be bulked with other consumer requests into a consumer pool for leveraged discounts;
M. consumer can request an advisory on any product for pooling or price discount information from the consumer data center;
N. consumer can be instructed by the data processing center to make a hidden pool of group data, to be held in abeyance, for a specific product, for a group offer to the product supplier;
O. consumer can follow recommendation for price discount offer based on posting a general figure through their origin master catalogue or in conjunction with total numbers of consumer data cardholders requesting a discount;
P. all consumer's offer data can be hidden from the product supplier for brokering in later dispersals from an open pool;
Q. in the alternative all consumer data can appear notoriously in an open pool posted in the master catalogue or revealing consumer data in streaming data dispersals directly to the individual merchant;
R. consumer data that is brokered is leveraged in a carrot and stick—by stages approach—achieving greater and greater discounts for the entire pool in the final strike price;
S. in the alternative product supplier linked to the Internet can set incentive pool discount(s) basing prices on total offers openly received;
T. in the alternative product supplier using the carrot and stick approach to the consumers can offer product and accept offers, in stages—higher priced discounts—as more people come into the pool—as an incentive to get more people to make a firm offer on the product with time limit on the pool;
U. in the alternative the product supplier can run real time offers in and run real time rejections and acceptances;
V. in the pool a consumer can request an option to purchase the product at a specific price for an option fee;
W. in the alternative without a fee:
a rain-check can be issued which is (transferable or non-transferable), the rain check expiring at a specific period of time;
X. in the alternative consumer can take on line coupons of existing discounts and pre set redemption for actual point of purchase without having to print our the coupon;
Y. in the alternative consumer profile can be automatically linked to all discount coupons offered by the store, without a need for offering the coupon for redemption, but merely having to purchase the product as it is part of their discount profile.
Z. all sales transactions are processed, true data cardholder's number is revealed or check payments routed electronically;
AA. associated overall statistics of the bulk sale is charted and posted on the Internet to educate the consumer on future offers;
BB. continuing data storage, mining, and analysis which updates the consumer profile to continue the above mentioned cycle for new products, goods or services.

28 more elements

Claim 4, is dependent on claim 1 or 2 or 3 and concerns the pooling of consumer offers in the “Best Buys” and “Hot Brands” catalogue sections for discounts and comprising the following steps:

A. consumer data cardholder is given guidance about the product in rating or descriptive form, and time limit of an open pool for offers on the product;
B. consumer data cardholder decides to make a firm discount offer:
(hot lead), for the product at the recommended data center discount price or at any discount price;
C. consumer offer data is held in abeyance, for leveraged dispersals to product supplier to achieve the maximum discount;
D. in the alternative consumer data goes directly to the product supplier;
E. product supplier can make a counteroffer or acceptance;
F. product supplier can set levels of the discount based on a singular overall discount or in a carrot and stick approach, at an increase level of savings depending upon the total numbers of people who continue to participate in the pool;
G. consumer data cardholder decides to flag an undecided (warm lead), interest in the product at their possible purchase price;
H. product supplier can make various counteroffer incentives related or unrelated to price (if unrelated to price then something of value);
I. consumer data cardholder can pay a fee to secure an option to lock in a final offer—final strike sales price of the pool;
J. in the alternative option can be at a different cost for a different price for example, a lower or higher price:
the lower the price the more expensive the option;
K. in the alternative retailer can reject an option;
L. in the alternative retailer has to accept all options;
M. all consumer data cardholder offers hot, and warm leads, and options to buy are bulked, and analyzed, by the consumer data center to broker the leads to the product supplier for leveraging to lower the price;
N. leads are sent to the manufacturer in a series of bulk dispersals or flowing real time streams to maximize the lowest price in a carrot and stick approach;
O. manufacturer may be permitted the opportunity to post a counter offer to the group or directly to the individual leads, which is set to expire at a specified time;
P. manufacturer acceptance or counter-proposed price at its various levels is posted on the Internet in the master catalogue;
Q. a second or more round of steps A-P takes place, until the final strike price is locked in when—all consumer data cardholders benefit equally;
R. all consumer data card holders do not benefit equally if there is a fast pool with limited product supply then the final strike price is as offers are individually accepted;
S. option holders do not benefit equally, but must opt to pay the option price, unless they bought a strike price option;
T. all sales transactions are processed, true data cardholder's number is revealed or check payments routed electronically;
U. associated overall statistics of the bulk sale is charted and posted on the Internet to educate the consumer on future offers;
V. continuing data storage, mining, and analysis, which updates the consumer profile to continue the above mentioned cycle for new products, goods or services.

21 more elements

Claim 5, is dependent upon claim 1 or 2 or 3 or 4, and concerns the “My Discounts,” section of the master catalogue and comprising the steps of:

A. the origin encrypted consumer data profile of the cardholder is dispersed to product suppliers.
B. product suppliers come back with discount offers to the specific origin code, which are sorted into this section of the catalogue.
C. this catalogue has all the features of all other parts of the catalogues, for pooling, offers, counter offers, and options.

Claim 6, is dependent upon claim 1 or 2 or 3 or 4, or 5, and concerns the “Consumer to Consumer” discount section for used goods and comprising the steps of:

A. consumer can request specific types of used goods in their consumer data profile;
including a hierarchy of the most important search information the consumer desires including:
product or brand and price willing to pay;
B. offers are automatically routed of those used products presently being offered for sale;
with product and price information from the consumer who posted the ad;
C. product has a bar code associated with it, and posted for printing on the computer;
D. offers are sorted for the consumer, in a prearranged search and a series of the products are displayed with the closest match of type, location and price at the top of the origin code's list, and the lowest match at the bottom;
E. offers regularly come in, and are updated without the consumer having to request the updates or new searches;
F. the buy sell transaction is automatically processed through the secure encrypted codes with immediate payment or deduction to the cardholder;
G. both consumers can click on barcode icon creating an agreement to ship for satisfaction and acceptance of the product before payment;
H. barcode is printed and product is shipped with the barcode;
I. consumer purchaser likes product and has the barcode scanned at any product supplier who accepts the consumer data credit card;
J. the transaction is processed with one card charged and one credited;
K. in the alternative, the consumer returns the product at shipping location that independently inspects and ships back to the consumer who sent the requested product, while barcode is scanned confirming proper shipment.
L. in the alternative consumer ships back to the consumer rejected product noting dissatisfaction to data processing center;
M. in the alternative all potential payments are held in escrow with prepaid shipping insurance agreement for lost, stolen or damaged goods.
N. all shipping methods are by pre-agreement between cardholders and Payments and deductions are processed through the methods described by the computer data center;
O. in the alternative all offers and acceptances are simply processed through the security afforded by the origin code encryption.

15 more elements

Claim 6, is dependent on claim 1 or 2 or 3 or 4 or 5, and concerns the pooling of consumer offers in the “Competitive Products” catalogue sections (conducive to any product offered in competition including, insurance or health maintenance organizations or interest loan rate and comprising the following steps:

A. consumer data cardholder is given descriptive information about the competing products side by side, and time limit of an open pool for offers on the products;
B. consumer can update their profile to the specifications of the competitive pool and offers can come through to the consumers directly and individually;
C. in the alternative each consumer can update their profile to the specifications of the competitive pool, and offers can come through to the consumer pool as a group, and be subsequently posted notoriously on the Internet with a subsequent confirmation of the consumer's eligibility sent to each individual separately;
D. all offers from product suppliers to all parties remain open for all product suppliers and consumers to view;
E. in the alternative product suppliers do not know the competitive pricing of their competitors only the consumer and data processing center does;
F. consumer can make offers to one or multiple product suppliers at the same time, and need only accept one acceptance within a specified time;
G. in the alternative consumer can only make firm offer to one product supplier who must reject within a specified time;
H. in the alternative all offers are held in abeyance for dispersals and leveraging by the consumer data center;
O. in the alternative consumer data cardholder decides to make a firm discount offer (hot lead), for the product at the recommended data center discount price or at any discount price directly to the product supplier;
J. product supplier can make a counteroffer or acceptance;
K. in the alternative product supplier can set levels of the discount based on a singular overall discount of total offers received or in a carrot and stick approach for shoppers by exhibited increased levels of savings depending upon the total numbers of people who participate with firm offers—all offerors share equally in the strike price—regardless of their prior offer under this method;
L. in the alternative offerors do not share equally but their acceptances are based on their original offer if within range of the strike price;
M. consumer data cardholder decides to flag an undecided (warm lead) interest in the product at their possible purchase price;
N. product supplier can make various counteroffer incentives related or unrelated to price but something of value;
O. consumer data cardholder can pay a fee to secure an option to lock in a final offer final strike sales price;
P. in the alternative option can be at a different cost for a different price for example, a lower or higher price:
the lower the price the more expensive the option;
Q. in the alternative retailer can reject an option;
R. in the alternative retailer has to accept all options;
S. in the alternative all consumer data cardholder offers hot, and warm leads and options to buy which are bulked and analyzed, to broker the leads, to the product supplier and are leveraged to lower the price;
T. leads are sent to the product supplier in a series of bulk dispersals or data streams to maximize the lowest price in a carrot and stick approach;
U. product supplier may be permitted the opportunity to post a counter offer to the group or directly to the individual leads which is set to expire at a specified time;
V. product supplier acceptance or counter-proposed price at its various levels is posted on the Internet in the master catalogue;
W. in the alternative acceptances are by individual email notifications or posted in the origin master catalogue of each origin code.
X. a second or more round of steps A.-W take place, until the final strike price is for all consumers is locked in;
Y. option holders do not benefit equally, but must opt to pay the option price, unless they bought a strike price option;
Z. all sales transactions are processed and true data cardholder's number is revealed or check payments routed electronically;
AA. associated overall statistics of the bulk sale are charted and posted on the Internet to educate the consumer on future offers;
BB. continuing data storage, mining, and analysis which updates the consumer profile to continue the above mentioned cycle for new products, goods, or services;

26 more elements

Claim 7, dependent upon claim 1 or 2 or 3 or 4 or 5 or 6, linking the credit card to a battery operated personal computer wallet;

consumer profile credit data is downloaded into an electronic personal computer wallet having its data switching functions operated by computer chip(s);
in the alternative the electronic personal computer wallet can have an alternate high capacity operational functioning as an external hard drive;
the electronic computer wallet is connectable to the universal serial bus on a home computer, the Internet or high speed internet access or regular internet telephone land line or wireless network.

Claim 8, dependent on claims 1 or 2 or 3 or 4 or 5 or 6 or 7, linking select data transactions to remote computer kiosks with display screen and linking to the Internet master catalogue and containing site store information or general regional information with accessibility to origin code users specified data, through central data processing, allowing the transacting of sales at the kiosk or having automated teller machine capability and comprising the steps of:

A. recognizing the encrypted origin code or the magnetic strip credit card or smart card or personal external computer wallet via a universal serial bus or telephone land line or regular or high speed Internet connection or local wireless network connection;
B. calling up the origin code data of the catalogue as specific cardholder data for the specific catalogue or store requesting data central processing in a manner that conceals the actual origin code and maintains privacy of the consumer data profile;
C. the customer requesting a specific product by touch screen search or computer typewriter keyboard data entry at the kiosk;
D. the kiosk exhibiting product information on the screen;
E. the video kiosk walking the shopper through a virtual store or mall to an exact product location or store;
F. cardholder activating the electronic wallet by a pin code activator for in store purchases;
G. allowing personal recording of in-store transactions through an electronic product tag reader or bar code reader contained within the personal computer wallet.
H. deactivating the product tag permitting, at the store exit, with deactivated products purchased, and not having to go through a cash register check out line;
I. displaying a date and time paid function by LCD screen receipt, of products bought, permitting exiting the store through on site security;
J. allow you to virtual shop or explore a geographic region—at home or though the wallet—for travel and shopping information by linking data in the kiosk to the Internet;
K. in the alternative, displaying only some consumer data cardholder discounts;
displaying other discounts, for the consumer who makes an actual in-person, in-store visit, as an incentive to get them to shop there.

9 more elements

Claim 9, dependent on claims 1 or 2 or 3 or 4 or 5 or 6, or 7 or 8, with the personal computer wallet having additional computer functions linking the personal consumer data profile with the combined features of:

A. all available computer data that would be in the Internet master catalogue could also be, in whole or in part, on the personal computer wallet;
B. all control functions in the Internet master catalogue could be displayed and controlled in the electronic wallet, as on the Internet master catalogue;
C. all profile data for anticipated purchases can be regulated by the consumer or the central data processing center and brokering of the data dispersals of the consumer;
D. display a discount product shopping list of the consumer's products usually bought or products that are offered for a discount per the origin code data profile per the store shopped;
E. display general or dramatic advertising circular information to the regular public including in store redeemable coupons or discounts that can be redeemed through the electronic wallet at time of purchase.

2 more elements

Claim 10, dependent on claims 1 or 2 or 3 or 4 or 5 or 6 or 7 or 8 or 9, with the wallet having various combined computer functions linked to the consumer data profile;

the features of allowing the consumer to wipe clean their profile data in part or in whole, to stop or regulate solicitations or for reasons of privacy or to end service.

Claim 11, dependent upon claims 1 or 2 or 3 or 4 or 5 or 6 or 7 or 8 or 9 or 10, the wallet containing a remote wireless radio broadcast beacon remote locating device, and audible alarm, and deactivation switch—all of which can be activated by remote telephone signal code dialed into the wallet.

Consumer data credit or debit card

Life of this patent

Consumer data credit or debit card

Life of this patent

Abstract

Claims14