Inmar Clearing, Inc.

Carolina Coupon Clearing, Inc.

Michael J Kavis

William M Catania

Gregory H Rapp

Jeffrey Toewe

L David Mounts

Timothy P Wilkinson

A system and method for issuance, redemption, and reimbursement of digital incentives. A central database connected to the internet: enables customers to register unique customer registration information; is able to store this information and assign unique identifiers to it; and is accessible to incentives providers to make available digital incentives. Existing point-of-sale terminals: are authenticated to have access to the central database; have payment devices; are connected to the internet; and are provided with a message broker that facilitates communication with the central database. The customer redeems digital incentives at one of the existing point-of-sale terminals at the time of purchase by first presenting their unique identifier. The message broker routes the unique identifier to the central database which authenticates and validates the existing point-of-sale terminal, the customer's unique identifier, and the payment device. The central database then returns validated applicable digital incentives to the message broker which forwards the validated digital incentives for redemption.

Digital incentives issuance, redemption, and reimbursement

A message broker for redemption of digital incentives at a point-of-sale terminal for a commercial transaction that is able to communicate with a central database external to the point-of-sale terminal. The central database contains unique customer registration information, unique identifiers assigned to the unique customer registration information, business rules for redemption of digital incentives. Redemption of digital incentives at the point-of-sale terminal occurs at the time of purchase as follows: the customer's purchases are recorded in a basket list at the point-of-sale terminal; the customer presents their unique identifier; point-of-sale terminal initiates an instruction to process a transaction; the message broker routes the unique identifier and the basket list to the central database which applies the rules for redemption of digital incentives and returns validated applicable digital incentives to the message broker which forwards the validated digital incentives to the point-of-sale terminal for redemption; the point-of-sale terminal applies the validated digital incentives to the customer's purchase; and the message broker routes an acknowledgement message to the central database.

Message broker for redemption of digital incentives

A processing server may receive transaction data from one or more point of sale (POS) terminals in near real-time. Transaction data received from each of the POS terminals may be in a format that is specific to the POS terminal. Upon receiving the transaction data having the POS specific format, the processing server may convert the transaction data to a common format that is compatible with the operations of the processing server. Further, the processing server may index the converted transaction data into one or more categories. Responsive to indexing, the processing server may generate aggregate data from the indexed transaction data. Further, the processing server may receive a request for a data report associated with the aggregate data. Responsive to receiving the request, the processing server may generate the data report, format the data report to match a user preference, and transmit the data report for presentation.

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Parrish, FL, United States of America

Michael J Kavis