Retail point-of-transaction systems, program products, and related methods to provide a customized set of identification data to facilitate a retail transaction using electronic coupons

Abstract

Retail point-of-transaction systems, program products, and related computer implemented methods to provide a customized set of identification data to facilitate a retail sales point-of-sale transaction which includes the use of one or more electronic coupons is provided. The retail point-of-sale system can include a computer having memory and configured to facilitate one or more transactions each of which include the use of one or more electronic coupons through a retail point-of-transaction terminal positioned remote from, and adapted to be in communication with, the computer. The computer can also include a set of instructions that when executed by the computer cause the computer to redeem one or more electronic coupons for one or more retail transactions responsive to a customized set of identification data provided by the computer responsive to a data profile derived from a set of personal data of at least one of a plurality of remotely positioned users.

1 - 16 . (canceled) 
     
     
         17 . A computer-implemented method to process transactions, comprising:
 receiving, by one or more computing devices and from a communications device operated by a customer, personal data to facilitate a transaction between the customer and a merchant;   transmitting, by the one or more computing devices, the personal data to a remote server;   receiving, by the one or more computing devices and from the remote server, an indication that the transaction is authorized;   receiving, by the one or more computing devices and from the remote server, an incentive to promote future transactions by the customer; and   presenting, by the one or more computing devices, the incentive to the customer.   
     
     
         18 . (canceled) 
     
     
         19 . The method of  claim 17 , wherein the personal data comprises one or more of a personal identification, an account identifier, user payment data, and a password. 
     
     
         20 . The method of  claim 17 , further comprising receiving, by the one or more computing devices from the remote server, a customized image of the customer and displaying the image on a point of transaction terminal at a merchant location. 
     
     
         21 . The method of  claim 17 , further comprising converting, by the one or more computing devices, information received from the consumer into a bar code display format that is electronically readable by a point of transaction terminal at a merchant location. 
     
     
         22 . The method of  claim 17 , wherein the incentive comprises information relating to a new coupon in the barcode format that is electronically readable by a point of transaction terminal at a merchant location. 
     
     
         23 . The method of  claim 17 , further comprising receiving, by the one or more computing devices and from the consumer, an indication that the consumer desires to engage in the transaction. 
     
     
         24 . The method of  claim 23 , further comprising logging, by the remote server, a geographical location of the consumer in response to receiving from the one or more computing devices the indication that the consumer desires to engage in the transaction. 
     
     
         25 . The method of  claim 24 , comparing, by the remote server, the indication that the consumer desires to engage in the transaction to the personal data to determine whether the transaction is authorized. 
     
     
         26 . The method of  claim 25 , wherein comparing the indication that the consumer desires to engage in the transaction to the personal data input by the consumer comprises verifying the identity of the consumer. 
     
     
         27 . A computer program product, comprising:
 a non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a computer cause the computer to process transactions, the computer-readable program instructions comprising:
 computer-readable program instructions for receiving from a communications device operated by a customer, customer data to facilitate a transaction between the customer and a merchant; 
 computer-readable program instructions for transmitting data about the customer data to a remote server; 
 computer-readable program instructions for receiving from the remote server an indication that the transaction is authorized; 
 computer-readable program instructions for receiving from the remote server an incentive to promote future transactions by the customer; and 
 computer-readable program instructions for presenting the incentive to the customer. 
   
     
     
         28 . The computer program product of  claim 27 , wherein the customer data comprises one or more of a personal identification, an account identifier, user payment data, and a password. 
     
     
         29 . The computer program product of  claim 27 , wherein the incentive comprises information relating to a new coupon in the barcode format that is electronically readable by a point of transaction terminal at a merchant location. 
     
     
         30 . The computer program product of  claim 27 , wherein the remote server authorized the transaction at least in part in response to comparing a geographic location of the consumer when the consumer indicates a desire to engage in the transaction to the customer data. 
     
     
         31 . A system for processing transactions, comprising:
 a storage device; and   a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to:
 receive from a communications device operated by a customer, customer data to facilitate a transaction between the customer and a merchant; 
 transmit the customer data to a remote server; 
 receive from the remote server an indication that the transaction is authorized; 
 receive from the remote server an incentive to promote future transactions by the customer; and 
 present the incentive to the customer. 
   
     
     
         32 . The system of  claim 31 , wherein the customer data comprises one or more of a personal identification, an account identifier, user payment data, and a password. 
     
     
         33 . The system of  claim 31 , wherein the incentive comprises information relating to a new coupon in the barcode format that is electronically readable by a point of transaction terminal at a merchant location. 
     
     
         34 . The system of  claim 31 , wherein the remote server authorized the transaction at least in part in response to comparing a geographic location of the consumer when the consumer indicates a desire to engage in the transaction to the customer data.