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WO2004027659A1 - Systeme integre de traitement de la valeur ajoute dans des echanges entre vendeur et client - Google Patents

Systeme integre de traitement de la valeur ajoute dans des echanges entre vendeur et client Download PDF

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Publication number
WO2004027659A1
WO2004027659A1 PCT/AU2003/001226 AU0301226W WO2004027659A1 WO 2004027659 A1 WO2004027659 A1 WO 2004027659A1 AU 0301226 W AU0301226 W AU 0301226W WO 2004027659 A1 WO2004027659 A1 WO 2004027659A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
account
merchant
data
crmt
Prior art date
Application number
PCT/AU2003/001226
Other languages
English (en)
Inventor
Keith John Robson
John Stuart Hamer Fitton
Gregory Defina
Andrew Charles Mason
Original Assignee
E B Squared Pty Ltd
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by E B Squared Pty Ltd filed Critical E B Squared Pty Ltd
Priority to AU2003260186A priority Critical patent/AU2003260186A1/en
Publication of WO2004027659A1 publication Critical patent/WO2004027659A1/fr

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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
    • G06Q30/06—Buying, selling or leasing 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems

Definitions

  • This invention relates to an integrated merchant to customer value added processing system.
  • the system of the invention provides customer relationship management tools, financial payment methods and inter merchant settlement activity in one of its preferred forms.
  • EFTPOS debit card
  • CRMT customer relationship management tool
  • an integrated merchant to customer relationship management system which at least minimises the disadvantages mentioned above.
  • an integrated merchant to customer value added processing system for providing integrated financial EFTPOS transactions and effective integrated, parallel processing of a CRMT value added transaction data processing system including the steps of:
  • CRMT Host opening a first session, transferring first set of data addressed to a CRMT central (or distributed) data processor and storage unit, hereinafter referred to as CRMT Host, closing the first session and initiating value added applications calculations of various outputs
  • the system achieves a unique integration of the two sessions in the financial transaction terminal (or financial transaction software for the online versions of trading), hereinafter referred to as EFTPOS terminal, and achieves effective parallel processing of financial transactions and the CRMT applications.
  • the value added output from the temporary register is dependent on transactional data, customer account data and merchant account data.
  • the customer data may be identified by means of a credit card charge card or debit card.
  • the customer may be identified by means of a loyalty card, gift card or lay-by card. Other means of identifying a customer are not excluded.
  • the customer data may be identified and/or validated by biometric methods such as a fingerprint scan, iris scan, face recognition or DNA testing.
  • the customer identification data may be linked to the customer account.
  • Parallel processing is achieved by sequential initiation and intelligent processed data outcome collection.
  • the EFTPOS terminal (or online software) opens the first data session with the minimum necessary data, transfers this data addressed to the CRMT Host central data processor and storage unit with instructions to process and store possible results called a unique key in a uniquely identified temporary storage area, The CRMT Host responds with this unique key and then the session is closed.
  • the central processor calculates possible outcomes for this data set and stores the outcomes in a temporary register identifiable with this unique key and appropriate financial transaction response code.
  • the EFTPOS terminal (or online software) opens the second data session, initiating a standard financial EFTPOS activity transmission.
  • This second session remains open whilst the financial transactions applicable central processing is undertaken (now in parallel with the first data session) until an output response is received from the acquiring bank.
  • the EFTPOS terminal closes the second session and a third data session is opened with the CRMT Host.
  • the unique key response from the first session is transmitted along with the financial transaction output code from the second session, such that the correct output is collected and the customer account and the merchant account are updated and the third session is closed.
  • Appropriate additional data may then be included after the standard financial transaction receipt output identifying whether the transaction is a benefit voucher and/or a status update of additional loyalty points or credits earned and indicating new loyalty points/credit balance.
  • the financial transaction EFTPOS terminal (or online software) runs specialised integration software (or online software) which communicates with the CRMT Host computer of the CRMT application via a number of commercially available telecommunications methods such as a dial-up connection, leased line, tcp/ip etc.
  • the connection from the terminal is physically made to a Network Access Controller (NAC) or an equivalent commercially available data message transmission service or equipment.
  • NAC Network Access Controller
  • This equipment determines from the addressing information in the data messages, whether the transaction data is routed for CRMT applications or the acquiring bank.
  • the network access controller or equivalent routes the transaction data to the desired host and allows the response to return to the terminal.
  • the transaction data messages from and to the EFTPOS terminal are in a suitable format (such as AS2805 format) using CRMT applications specific message types and processing codes for the CRMT specific messages which control merchant transaction with the CRMT applications of the instant benefits, loyalty points collection and lay-by systems.
  • CRMT applications of loyalty redemptions, gift and/or private label debit card systems operate using the traditional financial transaction message types and processing codes but with a non-financial institution as the acquiring party.
  • the CRMT applications determine the value added application benefits attributable to the merchant's customer (instant benefit, loyalty) based on the card number, the merchant identification and/or the terminal number, the transaction amount, date and time of day, day of week along with demographics data provided by shoppers, or regional/store demographics for central (or distributed) storage and use. This allows different merchant/groups to run many different schemes including the one merchant to run multiple simultaneous schemes.
  • the consumer due to merchant economic failure has sometimes lost financial value built up in such CRMT systems in the past.
  • the CRMT applications with a significant time or economic dimension to the holding of the financial values (particularly loyalty, gift card and lay-by systems), this is protected from individual merchant failure in that the benefit is held in an independently managed trust account. Automatic settlement of the trust account may occur periodically.
  • Database records of all CRMT activity is collected with periodic processing calculating the net movement of funds including necessary instructions to financial institutions to conduct the actual funds movements both between merchants and/or the independent managed trust account. Appropriate reporting of all transactional and financial activity is catered for including sending of periodic statements or invoices by paper, email or other electronic form.
  • An internet web enabled interface may be utilised for individual merchants or consumers to register, update or review information or records relevant to them.
  • the web site may have templates to educate, guide and/or efficiently create the various CRMT schemes.
  • the CRMT application has functionality for multiple loyalty schemes of the merchant, merchant groups/associations/shopping centres/professional bodies or groups and charity schemes.
  • the CRMT application may accommodate multiple merchant to merchant agreements on the interchange of loyalty points between loyalty schemes, calculation and performance of net movement of funds between the respective parties.
  • the real time loyalty system has the capability to include links to multiple credit/charge/debit cards such that traditional loyalty cards are not required to be carried by the customer.
  • the EFTPOS terminal may include software using existing communications infrastructure to control important settings or to request reports in the CRMT loyalty scheme.
  • the CRMT application has functionality for running open or closed redemption systems including accurate budget management, the ability to accommodate cross merchant promotions including third party promoters or manufacturers. This includes functionality for multiple party settlement for the instant benefits redemption compensation. Further features are the ability to cross reference regional and other collected demographic data for promotional and decision making purposes.
  • a priority scheme may be included to provide an ordering for selection of a benefit where multiple benefits may be available to the consumer or customer and a competing benefit indexing system to ensure equitable distribution of equally competing promotions.
  • the CRMT instant benefits system operates in real time with online performance reporting and alerts against objectives which allows the schemes to be adapted to the changing consumer environment.
  • the EFTPOS terminal also may include software using existing communications infrastructure to control important settings or request reports in the CRMT instant benefits schemes including budget revisions.
  • CRMT value added services include gift cards, lay-by system and low value charge up of cards.
  • the CRMT system may have the ability to include/exclude EFTPOS terminals where they may be spent which leads to a controlled spending function on the cards. This aspect has specific design features allowing exclusion of terminals of a particular category group.
  • the EFTPOS terminal may include software using existing communications infrastructure to control important settings or request reports in the CRMT gift card system.
  • the CRMT system may have the cards/linked accounts with a lock unlock (activation) function using encryption.
  • the prepayment of consumer funds for such cards may be held in an independently managed trust account. This account may be periodically processed to calculate the net movement of funds required to a particular merchant. Depending upon the type of cards used, the prepayment of funds, charging of card value and/or unlocking may all be done through an EFTPOS terminal with all appropriate record keeping occurring.
  • the gift card system may include on line ordering or recharging of gift and/or controlled spending cards.
  • a feature of the CRMT lay-by system is the progressive payment of consumer funds before receipt of goods is transferred into an independently managed trust account by periodic processing (for example end of day processing) calculating the net movement of funds required to respective merchants once full payment is received.
  • This lay-by system may include the application of lay-by to online or electronic store systems.
  • the EFTPOS terminal may also include software to use its existing communications infrastructure to control important settings or request reports in the CRMT lay-by system.
  • the CRMT system may include a low value charge up of existing debit, credit or charge cards along with merchant issued loyalty or other cards. This provides the merchant with an economically viable method allowing for consumer convenience in the repeated use of existing charge/credit/debit cards to make small payments for items normally uneconomic to process using such cards.
  • the merchant particularly gains customer loyalty from the prepayment of funds, whilst the customer gains much shorter average transaction time convenience and possibly associated superior service response provided by the merchant for such pre-paid loyal customers.
  • the CRMT low value charge up functionality may include integration with the EFTPOS terminal for automated decision making on the need to perform either a financial transaction or a low value charge up transaction.
  • a financial transaction includes the current purchase amount and the resulting credit to be created on the local card account of an amount equal to a predetermined minimum financial transaction amount with funds direct to a respective merchants account and the credit amount loaded up locally as "credit" to be used in local terminal processing until exhausted.
  • This CRMT low value charge up functionality includes advance data synchronisation between the central CRMT Host processor and the local EFTPOS terminal including other terminals included in this process. This synchronisation includes individual consumption and ongoing total credit management.
  • the EFTPOS terminal may also include software to use its existing communications infrastructure to control important settings or to request reports in the CRMT low value charge up system. This may include internet web enabled recharging of cards along with a call centre charging process using mail order telephone order transactions on credit/charge cards along with immediate terminal or application synchronisation.
  • the invention provides a method of providing an integrated loyalty system for a plurality of participating merchants, by awarding loyalty points to customers including
  • the method involves identifying the account with which the customer is associated.
  • the customer may be identified in any one of a number of ways. For example the customer may be identified by biometric methods.
  • the customer may be linked to a plurality of cards.
  • the loyalty system controls may be operated from an EFTPOS terminal or from an internet enabled web page
  • a method of providing an instant benefits system for a plurality of participating merchants to award instant benefits to a customer including:
  • merchant includes merchant sponsor or promoter of the system.
  • the customer data, merchant data and transaction data are entered, processed and selected in accordance with the method of the first aspect of the invention.
  • the instant benefit may be a voucher printed on a receipt and outlines the details of the benefit.
  • the instant benefit may be a lottery ticket entry.
  • the instant benefit may be in addition to loyalty points credited to the customer account.
  • the instant benefit selection may be dependant on ranking between the merchants and issue rules of an individual instant benefit scheme.
  • the priority ranking may be dependant on monetary amount paid in return for participation in the scheme.
  • Equal priority schemes may be processed sequentially.
  • Shopper demographics may make up part of the instant benefits selection process. Alternatively, region or other sampled or collected demographics may make up part of the instant benefits selection process.
  • the time of day, day of the week, or date may make up part of the instant benefits selection process.
  • the benefit issued by a merchant may be funded by any individual merchant, a group of merchants, a business chain, a franchised business chain or any other merchant organisation, professional bodies or promotional group.
  • the instant benefit may be redeemed by the issuing merchant or a different merchant.
  • the instant benefit controls may be operated from an EFTPOS terminal or from an internet enabled web page.
  • a method of providing an integrated low value charge up (LVCU) trading ability by integrating EFTPOS transactions into transfer and storage of predetermined amounts to a plurality of customer accounts, each customer having a charge, credit or debit card identifying the account including:
  • the method of providing the LVCU ability may include:
  • the method of LVCU trading ability may involve transfer and storage of predetermined amounts from the customer's central account to the customer's local account in the following way:
  • the LVCU method may involve charging up of the local account when it drops below a predetermined amount to automatically begin a new LVCU process when the customer next attempts to make a purchase with payment via an EFTPOS terminal.
  • the new LVCU process may simply automatically be carried out when the local account drops below a predetermined amount (provided the correct authority from the card holder has been obtained).
  • the local account may be periodically updated with data from the CRMT Host central account. The updating may take place during other EFTPOS sessions. Updating may be achieved remotely via a radio link, an internet enabled web page or at a call centre using mail order, telephone order, EFTPOS activity.
  • the LVCU initial payment may also result in crediting the customer account with an instant benefit and/or loyalty points.
  • Key LVCU system controls may be operated from an EFTPOS terminal.
  • Full LVCU system controls may be capable of being operated from an internet enabled web page.
  • the LVCU EFTPOS terminal includes local processing to produce a plurality of pre-defined sale items and prices. Alternatively, controlling this processing may occur via an internet enabled web page.
  • a method of providing an integrated gift and controlled spending system for a plurality of participating merchants including:
  • the gift and controlled spending system may allow the account to be partially debited and re-credited up to a predetermined amount.
  • the account may be activated and deactivated by a feature which locks or unlocks the value stored in the account in order to perform transactions by an EFTPOS communications network or alternatively by an internet enabled web page.
  • the account may be re-charged remotely by using an internet enabled web page, by mail order, by telephone order at a call centre or by an EFTPOS terminal. Purchase or usage of the card and/or re-crediting may result in the award of loyalty points, instant benefits or gift vouchers.
  • the invention provides a method of providing an integrated lay-by system for a plurality of participating merchants and customers including:
  • (d) Enabling payment of the account to occur using the EFTPOS terminal.
  • the value paid in by the customer is transferred and stored in a trust account until full payment is effected.
  • the merchant is advised when full payment is effected and the merchant receives settlement of the funds held in the trust account.
  • the lay-by account may be remotely paid using an internet enabled web page, by a call centre using mail order, telephone order activity or by an EFTPOS terminal. Execution of progressive payment or final payment may result in receipt of an instant benefit, loyalty points or a gift voucher.
  • Key lay-by system controls may be operated from an EFTPOS terminal or by an internet enabled web page.
  • Figure 1 is a block diagram of a method of integrated EFTPOS and parallel processing of CRMT value added transaction data processing system according to an embodiment of the invention
  • Figure 2 is a block diagram of a more detailed system then that shown in figure 1 ;
  • FIG. 3 is a block diagram illustrating various modules incorporated in the systems of figures 1 and 2;
  • Figure 4 is a block diagram like figure 3 but showing cross integration of various modules of the system
  • Figure 5 is a block diagram of a system according to an embodiment useful in understanding the operation of the trust account
  • FIG. 6 is a block diagram useful in understanding EFTPOS terminal, communications, processing and storage operations in the system of the invention.
  • Figure 7 is a diagram useful in understanding card, privacy and data analysis management in the system of the invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT
  • the system of figure 1 has a merchant EFTPOS terminal 10 coupled to a communications network 11.
  • the various operational modules or system aspects of the invention are shown collectively at 12. These modules are coupled to a trust account 13.
  • a data switch 14 connects the acquiring bank computer network 15 to the network 11.
  • the acquiring bank 15 is coupled to the various accounts maintained by merchants 16.
  • the merchant accounts 16 are coupled to the trust account 13 and to an account 17 associated with the system of the invention where service fees for the system are allowed to be deposited.
  • FIG 2 shows a simplified diagram of the system of figure 1.
  • the upper part of the diagram corresponds to what is shown in figure 1 whilst the lower part of the diagram illustrates that the system of the invention is applicable to multiple banks.
  • Figure 3 shows various modules that may be employed in the system of the invention. These modules include a loyalty system 18, a layby system 19, a gift system 20, an instant benefit system 21 and a low value charge up system 22. These modules are integrated with CRMT system software 23 and EFTPOS banking software 24. The trust account 13 is accessible by all modules.
  • Figure 4 is intended to show that the various modules of figure 3 may be cross integrated.
  • FIG. 5 shows further aspects of the system and is illustrative of how the trust account is accessible by various modules of the system.
  • the system may have a charity awards module 30 and a module 31 allowing merchant budgets to be set.
  • the loyalty benefits system may function and recognise customers of particular merchants who are members of a relevant loyalty scheme applicable to that merchant and calculate and record incremental loyalty benefits. These benefits may be allocated at individual store/group of stores or at shopping centre/association levels, or a percentage in between.
  • the system provides for the ability to allow customers to redeem the benefit in participating stores.
  • Another feature of the loyalty benefits system is the ability to operate a charity benefit loyalty scheme such that a merchant, group of merchants, shopping centre or association may contribute a percentage of applicable loyalty sales to a selected charity, in addition to the percentage at individual store/group of stores or at the shopping centre/association levels.
  • An incremental loyalty benefit and a total loyalty benefit may be communicated to the customer as part of the EFTPOS receipt showing the individual store/group store level (if applicable) and the shopping centre/association level (if applicable) and the charity contribution (if applicable)
  • the loyalty benefit system provides for control on whether further loyalty benefits on incremental shopper spending are given on the value of products directly associated with loyalty benefit redemption or with an instant benefit voucher. Loyalty benefits may or may not be offered on the incremental shopper spending associated with an instant benefit voucher.
  • the store loyalty benefits gained by customers will be stored in a trust account and merchant payments for redemption will be transferred from this trust account.
  • the trust account may also be used for gift cards/control spending cards and the lay-by system described above.
  • the loyalty benefit system may be made up of several levels. At level 1 , the system involves the issuing of loyalty cards to customers and the use of those cards to collect and redeem loyalty benefits, including remaining anonymous to the CRMT system and or for cash purchases loyalty point collection.
  • the loyalty benefit system may allow customers the ability to enter links to preferred credit, debit and charge cards and other cards (eg gift card) such that the customer will not need to carry and present the original loyalty card when making purchases or redeeming loyalty benefits.
  • preferred credit, debit and charge cards and other cards eg gift card
  • the loyalty benefit system may allow customers to provide personal identifying information such that the merchants may undertake direct marketing and promotional campaigns aimed at particular customers.
  • the loyalty benefit system may function in a variety of ways. For example, a merchant may wish to drive customer loyalty to their particular store by operating a self contained loyalty benefits program only applicable in their store or stores. The merchant may control the provision of benefits for customers who shop in their store or stores and allow the customer to only redeem benefits in their store or stores.
  • the loyalty benefit system may function in the manner mentioned above and provide for a predetermined loyalty point contribution but only after a threshold level is reached in a particular period of time.
  • the merchant may set the rule as to whether the threshold amount once reached is also used to determine a threshold contribution or not.
  • a plurality of threshold rules may be established such that a merchant may preferentially reward a high spending customer.
  • the loyalty benefits system may allow a merchant to reward loyal customers to enhance overall sales, allow the merchant to preferentially reward high spending customers, allow the system to be used for all store items and provides for an efficient administration of the system. Customers do not need to carry a loyalty card to use the system.
  • the merchant may be able to exclude specials or discounted items from an award of loyalty benefits.
  • the merchant may not only exclude specials or discounted items from the award of loyalty points but may ensure that loyalty points are only awarded after a threshold level is reached in a predetermined time period.
  • the system may be employed by merchants so that loyalty benefits may be accumulated by customers who shop in their store or stores or a franchised group of stores.
  • the system may apply to multiple outlets of stores or franchised stores and provide for the purchase of goods at these stores and accumulation of loyalty points as a consequence of these purchases and the redemption of these points in the stores mentioned. Further this may be extended outside the actual merchant to customer relationship area to include such items as airline flight redemption, hire cars usage, accommodation nights as much prior art systems do, only now including them in the merchant to merchant periodic settlement processing.
  • the loyalty benefit system there may also be a threshold level imposed and a time period such that contribution of loyalty points only occurs after a threshold level is reached in a particular time period. This may also provide for excluded specials or discounted sales to be excluded from the award of loyalty points.
  • the loyalty benefit system may be structured to extend to all stores in a particular shopping centres and provide for either an immediate benefit or award of loyalty points to customers at the stores at a particular shopping centre.
  • the instant benefits system may involve the issuing of vouchers or allow for customers to participate in lotteries and various levels of functionality may be involved in the instant benefit system providing for in- store vouchers, issuing of vouchers within a group of stores, issuing of vouchers across particular stores, promotional lotteries and targeted marketing aspects.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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  • Development Economics (AREA)
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Abstract

L'invention porte sur un système intégré de traitement de la valeur ajouté relative à des échanges entre vendeur et client, effectuant des transactions financières intégrées EFTPOS et une gestion intégrée efficace en parallèle du système (12) de traitement CRMT (outil de gestion des relations client) des données d'établissement de la valeur ajoutée). A cet effet: on introduit les données de la transaction, puis on ouvre une première session, puis on transfert un premier groupe de données sur un hôte, puis on ferme la session, puis on lance l'application «valeur ajoutée», puis on stocke les résultats, puis on ouvre une deuxième session, puis on lance la transaction financière EFTPOS, et la session reste ouverte jusqu'à la réception en réponse d'un résultat. Un reçu étant produit, on ouvre une troisième session, tandis que le résultat de la deuxième session est transmis, puis on opère une sélection parmi les options de valeur ajoutée. Le compte du client hôte et le compte du vendeur sont alors mis à jour et le montant de la valeur ajoutée est calculé.
PCT/AU2003/001226 2002-09-18 2003-09-18 Systeme integre de traitement de la valeur ajoute dans des echanges entre vendeur et client WO2004027659A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003260186A AU2003260186A1 (en) 2002-09-18 2003-09-18 An integrated merchant to customer value added processing system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
AU2002951457 2002-09-18
AU2002951457A AU2002951457A0 (en) 2002-09-18 2002-09-18 An integrated merchant to customer value added processing system

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WO2004027659A1 true WO2004027659A1 (fr) 2004-04-01

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Cited By (1)

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US11729588B1 (en) 2021-09-30 2023-08-15 T-Mobile Usa, Inc. Stateless charging and message handling

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CN112330374A (zh) * 2020-12-01 2021-02-05 首旅如家(广州)区块链科技有限公司 基于分布式身份标识的区块链积分营销方法和系统

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WO2001001281A2 (fr) * 1999-06-29 2001-01-04 Awardtrack, Inc. Construction de programmes commerciaux frequents pour des commerçants en ligne
NZ329815A (en) * 1998-02-20 2001-07-27 Securenz Ltd Computer-based method of operating a loyalty system for vendors and purchasers of goods and services
WO2001086535A1 (fr) * 2000-05-09 2001-11-15 Cadmus Limited Procede et appareil permettant de fournir un systeme de fidelite integre
WO2001086545A2 (fr) * 2000-05-10 2001-11-15 Carlson Marketing Group, Inc. Systeme et procede de gratification et de remuneration interactif entreprise-a-employe

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
NZ329815A (en) * 1998-02-20 2001-07-27 Securenz Ltd Computer-based method of operating a loyalty system for vendors and purchasers of goods and services
WO2001001281A2 (fr) * 1999-06-29 2001-01-04 Awardtrack, Inc. Construction de programmes commerciaux frequents pour des commerçants en ligne
WO2001086535A1 (fr) * 2000-05-09 2001-11-15 Cadmus Limited Procede et appareil permettant de fournir un systeme de fidelite integre
WO2001086545A2 (fr) * 2000-05-10 2001-11-15 Carlson Marketing Group, Inc. Systeme et procede de gratification et de remuneration interactif entreprise-a-employe

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11729588B1 (en) 2021-09-30 2023-08-15 T-Mobile Usa, Inc. Stateless charging and message handling
US12041521B2 (en) 2021-09-30 2024-07-16 T-Mobile Usa, Inc. Stateless charging and message handling

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