# US 9,038,895 B2 · Communication between retailer and customer

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- Number: US 9,038,895 B2
- Document ID: US9038895B2
- Status: Granted
- Kind: B2
- Application number: 14/072,962
- Filed: 2013-11-06
- Published: 2014-08-21
- Granted: 2015-05-26
- Earliest claimed: 2013-02-21
- Assignees: Op-Palvelut Oy
- Applicants: OP-Palvelut Oy
- Inventors: Kristian Luoma; Jussi Juntunen; Petri Liimatta; Tuomas Jomppanen; Antti Laitala
- Web page: https://patentgrep.com/patent/US9038895B2

## CPC

- G06Q 30/0207: Discounts or incentives, e.g. coupons or rebates
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 30/02: Marketing; Price estimation or determination; Fundraising
- 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

## Abstract

Communication between a retailer and a customer is disclosed. A payment card and a communication identifier addressing a wireless transceiver of a mobile apparatus are registered to an electronic service. The mobile apparatus receives, with the wireless transceiver, a plurality of packets relating to payments with the payment card of a plurality of trades of various commodities between the user and a plurality of various retailers, from the electronic service, extracts from the received plurality of the packets transaction information relating to the payments and supplementary information, and communicates, with a user interface, the extracted transaction information and the supplementary information to the user.

## Claims

### Claim 1

A mobile apparatus comprising
a wireless transceiver,
a user interface,
one or more processors, and
one or more memories including computer program code, the one or more memories and the computer program code configured to, with the one or more processors, cause the mobile apparatus at least to perform:
register, with the user interface and the wireless transceiver, a payment card of a user of the mobile apparatus, and a communication identifier addressing the wireless transceiver and associated with the registered payment card, to an electronic service;
receive, with the wireless transceiver, a plurality of packets relating to payments with the payment card of a plurality of trades of various commodities between the user and a plurality of various retailers, from the electronic service;
extract from the received plurality of the packets transaction information relating to the payments and supplementary information;
communicate, with the user interface, the extracted transaction information and the supplementary information to the user;
extract from the received packets a link pointing to an action to be performed in social media relating to the retailer of the traded commodity; and
perform, with the user interface and the wireless transceiver, the action pointed by the link in the social media.

### Claim 2 (depends on 1)

The mobile apparatus of claim 1, wherein the one or more memories and the computer program code are further configured to, with the one or more processors, cause the mobile apparatus further to perform:
extract from the received packets a warranty certificate of the traded commodity issued by the retailer; and
store the warranty certificate in a memory coupled with the mobile apparatus, and/or into a memory accessible through the wireless transceiver.

### Claim 3 (depends on 1)

The mobile apparatus of claim 1, wherein the one or more memories and the computer program code are further configured to, with the one or more processors, cause the mobile apparatus further to perform:
extract from the received packets a customer feedback form of the traded commodity provided by the retailer;
fill, with the user interface, the customer feedback form with user input; and
transmit, with the wireless transceiver, the filled customer feedback form to the electronic service.

### Claim 4 (depends on 1)

The mobile apparatus of claim 1, wherein the one or more memories and the computer program code are further configured to, with the one or more processors, cause the mobile apparatus further to perform:
register, with the user interface and the wireless transceiver, into a loyalty program maintained by the retailer of the traded commodity; and
extract from the received packets a loyalty program note relating to the retailer of the traded commodity within the registered loyalty program.

### Claim 5 (depends on 1)

The mobile apparatus of claim 1, wherein the one or more memories and the computer program code are further configured to, with the one or more processors, cause the mobile apparatus further to perform:
extract from the received packets a loyalty program join offer relating to the retailer of the traded commodity; and
register, with the user interface and the wireless transceiver, on the basis of the loyalty program join offer, into the loyalty program maintained by the retailer of the traded commodity.

### Claim 6 (depends on 1)

The mobile apparatus of claim 1, wherein the one or more memories and the computer program code are further configured to, with the one or more processors, cause the mobile apparatus further to perform:
extract from the received packets a virtual discount coupon on the basis of the trade with the retailer such that the virtual discount coupon is good for a predetermined period of time for purchasing a commodity from a retailer other than to which the transaction relates to; and
output, with the user interface, the virtual discount coupon.

### Claim 7

A mobile apparatus comprising
a wireless transceiver,
a user interface,
one or more processors, and
one or more memories including computer program code, the one or more memories and the computer program code configured to, with the one or more processors, cause the mobile apparatus at least to perform:
register, with the user interface and the wireless transceiver, a payment card of a user of the mobile apparatus, and a communication identifier addressing the wireless transceiver and associated with the registered payment card, to an electronic service;
receive, with the wireless transceiver, a plurality of packets relating to payments with the payment card of a plurality of trades of various commodities between the user and a plurality of various retailers, from the electronic service;
extract from the received plurality of the packets transaction information relating to the payments and supplementary information;
communicate, with the user interface, the extracted transaction information and the supplementary information to the user;
extract from the received packets a virtual discount coupon generated on the basis of the trade with the retailer such that the virtual discount coupon is good for a predetermined period of time for purchasing a commodity from the retailer; and
output, with the user interface, the virtual discount coupon.

### Claim 8

A mobile apparatus comprising
a wireless transceiver,
a user interface,
one or more processors, and
one or more memories including computer program code, the one or more memories and the computer program code configured to, with the one or more processors, cause the mobile apparatus at least to perform:
register, with the user interface and the wireless transceiver, a payment card of a user of the mobile apparatus, and a communication identifier addressing the wireless transceiver and associated with the registered payment card, to an electronic service;
receive, with the wireless transceiver, a plurality of packets relating to payments with the payment card of a plurality of trades of various commodities between the user and a plurality of various retailers, from the electronic service;
extract from the received plurality of the packets transaction information relating to the payments and supplementary information;
communicate, with the user interface, the extracted transaction information and the supplementary information to the user;
extract from the received packets an event for a loyalty program on the basis of the trade with the retailer such that the event comprises a virtual stamp on a virtual loyalty card of the retailer; and
output, with the user interface, the loyalty program event.

### Claim 9

A mobile apparatus comprising
a wireless transceiver,
a user interface,
one or more processors, and
one or more memories including computer program code, the one or more memories and the computer program code configured to, with the one or more processors, cause the mobile apparatus at least to perform:
register, with the user interface and the wireless transceiver, a payment card of a user of the mobile apparatus, and a communication identifier addressing the wireless transceiver and associated with the registered payment card, to an electronic service;
receive, with the wireless transceiver, a plurality of packets relating to payments with the payment card of a plurality of trades of various commodities between the user and a plurality of various retailers, from the electronic service;
extract from the received plurality of the packets transaction information relating to the payments and supplementary information;
communicate, with the user interface, the extracted transaction information and the supplementary information to the user;
extract from the received packets an event for a loyalty program on the basis of the trade with the retailer such that the event belongs to a chain of past recorded and future planned events, the chain of events constituting an interactive loyalty game rewarding the user for performing trades belonging to the chain of events; and
output, with the user interface, the loyalty program event.

### Claim 10

A computing resource comprising
a communication interface,
a memory interface,
one or more processors, and
one or more memories including computer program code,
the one or more memories and the computer program code configured to, with the one or more processors, cause the computing resource at least to perform:
receive, with the communication interface, a registration of a payment card of a user of a mobile apparatus, and a registration of a communication identifier addressing a wireless transceiver of the mobile apparatus and associated with the registration of the payment card, from the mobile apparatus;
store, with the memory interface, the registration of the payment card, and the registration of the communication identifier;
receive, with the communication interface, a plurality of transactions of the user, relating to payments with the payment card of a plurality of trades of commodities between the user and a plurality of various retailers;
generate a plurality of packets, relating to the payments with the payment card, formed on the basis of the received plurality of the transactions;
insert transaction information relating to the payments and supplementary information into the plurality of the packets;
transmit, with the communication interface, the plurality of the packets to the mobile apparatus addressed with the communication identifier;
receive, with the communication interface, a link pointing to an action to be performed in social media relating to the retailer of the traded commodity; and
insert the link into the packets.

### Claim 11 (depends on 10)

The computing resource of claim 10, wherein the one or more memories and the computer program code are further configured to, with the one or more processors, cause the computing resource further to perform:
receive, with the communication interface, a warranty certificate of the traded commodity issued by the retailer; and
insert the warranty certificate into the packets.

### Claim 12 (depends on 10)

The computing resource of claim 10, wherein the one or more memories and the computer program code are further configured to, with the one or more processors, cause the computing resource further to perform:
receive, with the communication interface, a customer feedback form of the traded commodity provided by the retailer;
insert the customer feedback form into the packets;
receive, with the communication interface, the filled customer feedback form filled with the user input from the mobile apparatus; and
provide, with the communication interface, the filled customer feedback form to the retailer of the traded commodity.

### Claim 13 (depends on 10)

The computing resource of claim 10, wherein the one or more memories and the computer program code are further configured to, with the one or more processors, cause the computing resource further to perform:
receive, with the communication interface, a loyalty program note from a loyalty program maintained by the retailer of the traded commodity; and
insert the loyalty program note into the packets.

### Claim 14 (depends on 10)

The computing resource of claim 10, wherein the one or more memories and the computer program code are further configured to, with the one or more processors, cause the computing resource further to perform:
recognize among the received plurality of the transactions such a lacking retailer to whose loyalty program the user does not yet belong to;
insert a loyalty program join offer of the lacking retailer into the packets;
receive, with the communication interface, a registration, on the basis of the loyalty program join offer, into the loyalty program maintained by the retailer, from the mobile apparatus; and
provide, with the communication interface, the registration into the loyalty program to the retailer.

### Claim 15 (depends on 10)

The computing resource of claim 10, wherein the one or more memories and the computer program code are further configured to, with the one or more processors, cause the computing resource further to perform:
generate a virtual discount coupon on the basis of the transaction information such that the virtual discount coupon is good for a predetermined period of time for purchasing a commodity from a retailer other than to which the transaction relates to; and
insert the virtual discount coupon into the packets.

### Claim 16

A computing resource comprising
a communication interface,
a memory interface,
one or more processors, and
one or more memories including computer program code,
the one or more memories and the computer program code configured to, with the one or more processors, cause the computing resource at least to perform:
receive, with the communication interface, a registration of a payment card of a user of a mobile apparatus, and a registration of a communication identifier addressing a wireless transceiver of the mobile apparatus and associated with the registration of the payment card, from the mobile apparatus;
store, with the memory interface, the registration of the payment card, and the registration of the communication identifier;
receive, with the communication interface, a plurality of transactions of the user, relating to payments with the payment card of a plurality of trades of commodities between the user and a plurality of various retailers;
generate a plurality of packets, relating to the payments with the payment card, formed on the basis of the received plurality of the transactions;
insert transaction information relating to the payments and supplementary information into the plurality of the packets;
transmit, with the communication interface, the plurality of the packets to the mobile apparatus addressed with the communication identifier;
generate a virtual discount coupon on the basis of the transaction information such that the virtual discount coupon is good for a predetermined period of time for purchasing a commodity from the retailer; and
insert the virtual discount coupon into the packets.

### Claim 17

A computing resource comprising
a communication interface,
a memory interface,
one or more processors, and
one or more memories including computer program code,
the one or more memories and the computer program code configured to, with the one or more processors, cause the computing resource at least to perform:
receive, with the communication interface, a registration of a payment card of a user of a mobile apparatus, and a registration of a communication identifier addressing a wireless transceiver of the mobile apparatus and associated with the registration of the payment card, from the mobile apparatus;
store, with the memory interface, the registration of the payment card, and the registration of the communication identifier;
receive, with the communication interface, a plurality of transactions of the user, relating to payments with the payment card of a plurality of trades of commodities between the user and a plurality of various retailers;
generate a plurality of packets, relating to the payments with the payment card, formed on the basis of the received plurality of the transactions;
insert transaction information relating to the payments and supplementary information into the plurality of the packets;
transmit, with the communication interface, the plurality of the packets to the mobile apparatus addressed with the communication identifier;
generate an event for a loyalty program on the basis of the transaction information such that the event comprises a virtual stamp on a virtual loyalty card of the retailer; and
insert the loyalty program event into the packets.

### Claim 18

A computing resource comprising
a communication interface,
a memory interface,
one or more processors, and
one or more memories including computer program code,
the one or more memories and the computer program code configured to, with the one or more processors, cause the computing resource at least to perform:
receive, with the communication interface, a registration of a payment card of a user of a mobile apparatus, and a registration of a communication identifier addressing a wireless transceiver of the mobile apparatus and associated with the registration of the payment card, from the mobile apparatus;
store, with the memory interface, the registration of the payment card, and the registration of the communication identifier;
receive, with the communication interface, a plurality of transactions of the user, relating to payments with the payment card of a plurality of trades of commodities between the user and a plurality of various retailers;
generate a plurality of packets, relating to the payments with the payment card, formed on the basis of the received plurality of the transactions;
insert transaction information relating to the payments and supplementary information into the plurality of the packets;
transmit, with the communication interface, the plurality of the packets to the mobile apparatus addressed with the communication identifier;
generate an event for a loyalty program on the basis of the transaction information such that the event belongs to a chain of past recorded and future planned events, the chain of events constituting an interactive loyalty game rewarding the user for performing trades belonging to the chain of events; and
insert the loyalty program event into the packets.