SYSTEMS AND METHODS FOR ADDING FUNCTIONALITY TO MERCHANT SALES AND FACILITATING DATA COLLECTION

Abstract

Embodiments of the invention provide systems, methods and devices for adding functionality to merchant sales and facilitating data collection, including: a central server for hosting content and applications, mobile devices to access said applications and interact with electronic content, and on-site devices functioning as processing and communication equipment. All of which allows advertisers to offer customized incentives, provides merchants visibility into product flow and customer behavior, and makes available to customers an electronic mobile wallet. The integrated network functions on a real-time basis, providing instant updates, billing, inquiries, sales processing, inventory tracking, and more.

Claims

1. A computer-implemented method for processing a barcode image in a point-of-sale system, said method comprising the steps of: creating a customer specific redemption code, said customer specific redemption code comprising a customer specific barcode and customer specific data; presenting a barcode image to a data reader; determining if said barcode image comprises a customer specific barcode; forwarding said customer specific data from said data reader to an interceptor device if said barcode image comprises said customer specific barcode, otherwise passing said barcode image to the point-of-sale system for processing or redemption; processing said customer specific data into customer processed data at said interceptor device; sending select or all of said customer processed data to a communicator device from said interceptor device; and sending the customer processed data using the communicator device to a remote server for further processing.

2. The computer-implemented method as claimed in claim 1, wherein said customer processed data comprises one or more of a coupon ID, a coupon redemption code, a loyalty ID, an encrypted user ID, a gift card ID or a ticket.

3. The method of claim 1 wherein said further processing comprises sending selected or all of the customer processed data to the point-of-sale system for redemption or other processing.

4. The computer-implemented method as claimed in claim 3, wherein said customer processed data comprises one or more of a coupon ID, a coupon redemption code, a loyalty ID, an encrypted user ID, a gift card ID or a ticket.

5. The computer-implemented method of claim 3, further comprising sending selected customer processed data from said interceptor device, to a readable display device comprising an electronic display device.

6. The computer-implemented method of claim 4, wherein said data reader comprises any one of a barcode scanner, a 2D matrix scanner, a RFID reader, image reader, a sensor, or a card reader.

7. A system for processing a barcode image in a point-of-sale system, said system comprises: a data reader configured for reading the barcode image and generating a barcode data output; an interceptor device having an input port operatively coupled to said data reader and configured for receiving said barcode data output; said interceptor device comprising a processor implemented at least in part in hardware, said processor being configured to determine if said barcode data comprises a customer specific barcode or a conventional barcode, and if said barcode data comprises a conventional barcode, said processor being configured to forward the barcode image to the point-of-sale system for further processing or redemption; a communicator device operatively coupled to said processor and configured to receive the barcode data from said interceptor device; a remote server, said remote server being configured to receive data from said communicator device and to transmit data to said communicator device; said processor being configured to output said barcode data to said communicator device for transmission to said remote server if said barcode data comprises a customer specific barcode; and said remote server being further configured to process said barcode data received from said communicator device.

8. The system of claim 7, wherein said remote server is configured to analyze said received barcode data and generate one or more of a new incentive to a device for a customer specific redemption code associated with the customer specific barcode, or translate or convert said received barcode data into another format for a device for a customer specific redemption code, generate inventory flow data, generate customer profile data, generate consumer recall alerts, generate a customer transaction history data or generate coupon redemption rate data.

9. The system of claim 7, wherein said barcode data comprises one or more of a coupon ID, a coupon redemption code, a loyalty ID, an encrypted user ID, a gift card ID or a ticket.

10. The system of claim 9, wherein said remote server is configured to analyze said received barcode data and generate one or more of a new incentive to a mobile device for a customer specific redemption code associated with the customer specific barcode, generate inventory flow data, generate customer profile data, generate consumer recall alerts, generate a customer transaction history data or generate coupon redemption rate data.

11. A method to facilitate point-of-sale data processing by presenting to a data reader one barcode image, said method comprising the steps of: determining if the barcode image comprises a customer specific barcode and includes an aggregation of plurality of data; displaying the barcode image on a mobile device having a screen; scanning the barcode image from the screen of the mobile device using an image reader; forwarding the aggregated data from the image reader to an interceptor device if the barcode image is associated with said customer specific barcode; and using the interceptor device, disaggregating and disseminating the aggregated data to one or more devices.

12. A device configured to be connected directly in series between a data reader and a POS terminal to enable a data management system that is designed to integrate into current legacy data systems and to further enable real-time viewing and analysis of data, the device comprising: an interceptor device and a communicator device wherein the interceptor device comprises, an input port configured to couple to a data output port on the data reader and input reader data generated by the data reader in a native format; a processor implemented at least in hardware, said processor being configured to determine if said reader data in its native form comprises a customer specific code; a communicator device, said communicator device being configured for communication with said interceptor device; said processor being configured to forward the reader data in its native form to the communicator device if said reader data comprises the customer specific code, otherwise said processor being configured to forward said reader data in the native format to the POS terminal; and wherein the data management system comprises a remote server, said remote server being configured to receive said reader data, said remote server being configured to process said reader data.

13. The device of claim 12, wherein said remote server is configured to analyze said received reader data and generate one or more of a new incentive to a mobile device for a customer specific redemption code associated with the customer specific barcode, generate inventory flow data, generate customer profile data, generate consumer recall alerts, generate a customer transaction history data or generate coupon redemption rate data.

14. The system of claim 12, wherein said barcode data comprises one or more of a coupon ID, a coupon redemption code, a loyalty ID, an encrypted user ID, a gift card ID or a ticket.

15. The method of claim 1 wherein said further processing comprises sending data from said remote server to said communicator device or to said interceptor device, wherein said sent data comprises an invalid incentive redemption.

Description

DRAWINGS

[0117] FIG. 1 is a block diagram of the interceptor device hardware according to one embodiment of the present invention

[0118] FIG. 2 is a block diagram of the communicator device hardware according to one embodiment of the present invention

[0119] FIG. 3 is a three-dimensional drawing of the communicator device according to one embodiment of the present invention

[0120] FIG. 4 is a block diagram of a further embodiment of the interceptor device, referred to as the integrated interceptor device

[0121] FIG. 5 is a three-dimension drawing of the integrated interceptor device

[0122] FIG. 6 is a three-dimensional drawing of one embodiment of an accessory device that attaches to the integrated interceptor device.

[0123] FIG. 7 is a block diagram of the remote server according to one embodiment of the present invention

[0124] FIG. 8 is a screen shot of one embodiment of the homepage of the electronic mobile wallet application

[0125] FIG. 9 is a screen shot of one embodiment of a selected mobile coupon display

[0126] FIG. 10 is a screen shot of one embodiment of the coupon inventory webpage

[0127] FIG. 11 is a block diagram of the off-site system according to one embodiment of the present invention

[0128] FIG. 12 is a block diagram of one embodiment of the electronic incentive distribution and management system inside the walls of a merchant store

[0129] FIG. 13 is a block diagram of a further embodiment of the electronic incentive distribution and management system inside the walls of a merchant store

[0130] FIG. 14 is a block diagram of a further embodiment of the electronic incentive distribution and management system inside the walls of a merchant store

[0131] FIG. 15 is a block diagram of the on-site data collection system according to one embodiment of the present invention

[0132] FIG. 16 is a block diagram of the on-site merchant data collection system according to one embodiment of the present invention

[0133] FIG. 17 is a flowchart of the electronic incentive distribution and management method according to one embodiment of the present invention

[0134] FIG. 18 is a flowchart of the electronic incentive distribution and management method, including the integrated interceptor device, according to one embodiment of the present invention

[0135] FIG. 19 is a flowchart of the electronic incentive distribution and management method, including the integrated interceptor device, according to one embodiment of the present invention

[0136] FIG. 20 is a flowchart of the electronic incentive distribution and management method, including the integrated interceptor device, according to one embodiment of the present invention

[0137] FIG. 21 is a flowchart of the data processing method, including the integrated interceptor device, according to one embodiment of the present invention.

DESCRIPTION OF THE INVENTION

[0138] Possible embodiments will now be described with reference to the drawings and those skilled in the art will understand that alternative configurations and combinations of components may be substituted without subtracting from the invention. Also, in some figures certain components are omitted in order to more clearly illustrate the invention.

[0139] Throughout this document various systems, devices, means, and components are said to be in communication with other systems and components. Without limitation, in communication means the exchanging of information, bi-directionally or uni-directionally, between at least two devices or two means. In most cases, it is described as to how this data is being communicated. This is different from referring to the sending and forwarding of data. Without limitation, sending and forwarding of data is uni-directional data exchange between at least two devices or two means. Lastly, if a device or means is exchanging data with multiple devices or means, it is assumed that data exchanges can occur simultaneous between the multiples devices or means.

[0140] Throughout this document various systems, devices, means, and components are described as being ‘on-site’ or ‘off-site’. Without limitation, on-site and off-site are synonymous with location A and location B. Wherein the two locations are typically out of sight of each other, separated by physical walls, large distances, etc. . . . Additionally, without limitation, off-site is synonymous with remote.

[0141] Throughout this document, the terms barcode and coded image are used, without limitation, to describe 1D traditional barcodes and a 2D/matrix barcodes interchangeably. When ‘1D barcode’ and ‘2D/matrix barcode’ are used, the terms are referring specifically to that type of barcode. A barcode is a data image coded in a format that is recognizable and readable by a barcode imager or barcode scanner.

[0142] FIG. 11 depicts one embodiment of the present invention's top-level system to facilitate merchant sales, inventory management, incentive distribution/redemption, ticket processing, or data collection. Central to which is the means for hosting databases and applications, such as Remote Server 700, which in one embodiment is comprised of multiple databases (as depicted in FIG. 7), monitored and controlled by a trusted identity. Remote Server 700 is utilized for many purposes, most notably for hosting content and interactive applications that allows a plurality of trusted individuals, including users of Mobile Devices 800 to access Remote Server 700 through standard Internet browsing software. The utilization of storing data and applications remotely is commonly referred to as ‘cloud computing’.

[0143] Mobile Device 800 can communicate and access Remote Server 700 through the device's cellular network using common software that is a part of the Mobile Device's 800 operating system. The preferred embodiment of the present invention utilizes a WAP (wireless application protocol) browser to communicate and access content and interact with the applications hosted on Remote Server 700. Further embodiments of mobile devices may include other protocols such as HTML, and non-WAP protocols such as downloadable applications that run on the mobile device's operating system. Once connected, mobile users are presented with an interface similar to that presented in FIG. 8. In this figure the user of Mobile Device 800 is viewing their homepage with the option of accessing their mobile wallet, coupons of interest, video/audio content, venue tickets, guides or attractions within their near proximity. The interface is designed such that hyperlinks can be easily selected by pressing a single key on the Mobile Device's 800 numeric or alpha numeric pad. As well, the user can scroll up/down or left/right if need be to view additional content that is not able to fit on the viewing screen.

[0144] A user's electronic wallet application, or mobile wallet, is an analogy to that of the conventional wallet. In the present invention, one of the main features provided by the mobile wallet is access to coupons of interest as depicted in FIG. 9. When presented with a coupon, the user has the option of accessing an interactive map that depicts the location of the coupon. This is accomplished by the user simply selecting hyperlink 803, at which point a WAP enabled browser presents an interactive map to the user. In the present invention's preferred embodiment, depicted on the map are the locations that said coupon can be redeemed within Mobile Device 800 user's near vicinity. Coupons stored in the mobile wallet were selected and stored by the user or by an automated algorithm. As well, the mobile wallet allows a user to access their loyalty membership IDs, electronic payments, transaction history (receipts), gift cards, tickets, profile information and more. Again, this interacting between the user and their remote mobile wallet is all completed by communicating and interacting with applications hosted on Remote Server 700.

[0145] At checkout, the mobile device user will approach a merchant's POS Terminal 123, or any other type of data utility system, with Mobile Device 800 at hand as depicted in FIG. 12-14. Previous to approaching POS Terminal 123, the user will select what incentives to present to the terminal. Selection can be completed by selecting one coupon at a time, or by a semi-automated means where the user might select the merchant's name on their mobile wallet and all incentives relating to that merchant are automatically selected. At which point, software running on the remote application hosting the mobile wallet will aggregate all coupons, loyalty member IDs, gift cards, user ID, or any other form of digital information (“incentives”) into one barcode or coded image, such as Barcode 801 as depicted in FIG. 9. Also included in the data is the mobile wallet owner's encrypted or unencrypted ID. Aggregating incentives into one Barcode 801 is crucial to reducing the amount of time required to extract the relevant information from the Mobile Device 800 by scanning the Barcode 801 with Barcode Scanner 401. The process of aggregating incentives is that of combining all digital information from one or more incentives into one coded image.

[0146] Barcode 801 in one embodiment is formed, or coded, using QR code provided by the Denzo-Wave company of Japan.

[0147] Barcode Scanner 401 is any coded image reading device (including 2D matrix code scanners) capable of reading the Barcode 801 image off the screen of Mobile Device 800. In further embodiments, Barcode Scanner 401 can be replaced with any data reading device such as RFID interrogators, magnetic card readers, near-field communicators, personal area networking (PAN) devices, sensors, etc. . . . The preferred embodiment of Barcode Scanner 401 is any industry-standard CCD or imaging scanner capable of reading a 2D/matrix barcode. Examples of such imaging scanners include the Honeywell Adaptus 4600, Denso QK11 and the Symbol DS6708.

[0148] After Barcode Scanner 401 scans the single Barcode 801 displayed on the screen of the customer's Mobile Device 800, the barcode data is sent to Interceptor Device 100 for duplicating, performing operations on selected data, and selectively forwarding/disseminating the resulting data to POS Terminal 123 and/or Communicator Device 200 (as depicted in FIG. 14) (applies to all other data scanned by Barcode Scanner 401, for example a item SKU).

[0149] Referring to FIG. 1, the Interceptor Device 100 is comprised of a housing containing Data Input Port 101. In the preferred embodiment of the present invention, Data Input Port 101 receives data from a data reader, such as Barcode Scanner 401 over a Universal Serial Bus (USB) connection. Further embodiments could be a port comprised of PS/2 or RS232 connections, or any other connection method and protocol. The device is further comprised of Data Output Port 102. The device is further comprised of Power Connection 103; in the preferred embodiment of the present invention power is delivered through the connection at Data Output port 102. If a power pin isn't available at Data Output port 102, then an external power adapter is connected or integrated into the device. In further embodiments, power is supplied to any of the operating devices using battery power that is either stored in the same enclosure or outside the enclosure that houses the device. Interceptor Device 100 is further comprised of Data Storage Device 105, used to store data being communicated to Communicator Device 200. The device is further comprised of a Short Range Wireless Transceiver 106 for communicating with one or a plurality of Communicator Devices 200. As one embodiment of the present invention, Short Range Wireless Transceiver 106 is comprised of a Bluetooth transceiver. In further embodiments a ZigBee, WiFi or other wireless transceiver could be used. If Communicator Device 200 is housed in the same enclosure as Interceptor Device 100, Short Range Wireless Transceiver 106 is not needed and Short Range Wireless Transceiver 106 becomes an Input/Output port for direct data transfer with Communicator Device 200. Lastly, Interceptor Device 100 is comprised of Processor 104, an integrated circuit (IC) to process data communications between internal hardware, duplicate data for forwarding/disseminating, and perform operations on data received from Input Port 101 and Short Range Wireless Transceiver 106 by using algorithms stored as device firmware. Such operations include, but are not limited to, disaggregating coded image data, verifying validity of coded data, loading firmware updates, etc.

[0150] Interceptor Device 100 is placed on-site at the output of a data reader, such as Barcode Scanner 401. Further embodiments have the Interceptor Device 100 placed in series between a data reader and a data utility system, such as POS Terminal 123 (see FIG. 14). In this embodiment, since Interceptor Device 100 is placed in series between Barcode Scanner 401 and POS Terminal 123, all data scanned must pass through Interceptor Device 100. Referring to FIG. 17-21, once data arrives at Interceptor Device 100 it is duplicated and operated on by Processor 104. One embodiment of an operation is determining first if the data is that of a 1D barcode, indicating that the data represents an item's SKU or requires no decoding. If it's determined this is the case, the data is forwarded to any one or combination of the POS Terminal 123, the on-site Communicator Device 200, and Readable Display 403 (as depicted in FIG. 18-21). If it's determined this is not the case, wherein the data is not that of a 1D barcode, it is then determined if the data is associated with a special code. A special code could be that of a set of characters or data format that alerts Interceptor Device 100 to the type of data being scanned from the screen of Mobile Device 800. If a special code is not indicated the data is forwarded to any one or combination of the POS Terminal 123, the on-site Communicator Device 200, and Readable Display 403 (as depicted in FIG. 17-20). If the data is determined to be associated with a special code the coded data is disaggregated into its component parts which might be, but not limited to: coupon IDs, coupon redemption codes, loyalty IDs, encrypted user ID, gift card ID, ticket, etc. This data is selectively sent to any one or combination of POS Terminal 123, on-site Communicator Device 200, and Readable Display 403 (as depicted in FIG. 18-21). In FIG. 21, Interceptor Device 100 is communicating through Expansion/Output Port 402 located on Integrated Interceptor Device 400. Here all data received through Expansion/Output Port 402 is forwarded to Interceptor Device 100. Note that the forwarding of data to Communicator Device 200 is typically completed automatically in real-time. Though with Data Storage Device 105, data can be held and collected until prompted for forwarding (as depicted in FIG. 19). Note that the data forwarded, disseminated by Interceptor Device 100 is processed by Processor 104 such that the data format is matched to the data format required by the receiving device.

[0151] Referring to FIG. 2 and FIG. 3, the Communicator Device 200 is one example of a device means to communicate data. It is comprised of a housing containing an Input Power Port 201 accepting AC or DC voltage. As mentioned earlier, in further embodiments, power is supplied to any of the operating devices using battery power that is either stored in the same enclosure or outside the enclosure housing that device. Communicator Device 200 is further comprised of a Short Range Wireless Transceiver 202 for communicating with one or a plurality of Interceptor Devices 100. If Communicator Device 200 is housed in the same enclosure as Interceptor Device 100, the Short Range Wireless Transceiver 202 is not needed and is replaced by an input/output port that receives data through a wired communication connection. In one embodiment of the present invention, Short Range Wireless Transceiver 202 is comprised the same communication means as Short Range Wireless Transceiver 106, a Bluetooth, Zigbee, WiFi or other wireless transceiver. The device is further comprised of a Long Range Wireless Transceiver 204, the present invention's preferred embodiment utilizes a GSM/GPRS transceiver, in further embodiments CDMA, TDMA or other long range wireless transceivers could be used. Long Range Wireless Transceiver 204 connects wirelessly to a wireless carrier network, ultimately connecting to one or more Remote Servers 700 located off-site (as depicted in FIGS. 11-16). Lastly, Communicator Device 200 is comprised of Processor 203, an integrated circuit (IC) to process data communications between said transceivers. The function of Communicator Device 200 is to send/receive data between a wireless carrier network and one or more on-site Interceptor Devices 100. To eliminate the Communicator Device 200 from the system would require integrating into the Interceptor Device 100 the Long Range Wireless Transceiver 204. Doing so is considered one embodiment of the present invention, resulting in the Integrated Interceptor Device 400.

[0152] Referring to FIG. 4, Integrated Interceptor Device 400 comprises at least Interceptor Device 100 and Communicator Device 200, and optionally includes Scanner 401 within one enclosure. Further embodiments enclose the three devices in multiple enclosures. As such, Short Range Wireless Transceivers 106 and 202 of Interceptor Device 100 and Communicator Device 200 can be replaced with a direct communications interface. In addition, Integrated Interceptor Device 400 can be comprised of one or more Expansion/Output Ports 402 that can either send or receive data, to and from the Interceptor Device 200 (for example operating as a slave or master USB port). As well, Integrated Interceptor Device 400 can be comprised of one or more Readable Displays 403. A readable display is any device that can display one or more coded images (e.g. a barcode image) and can be scanned/read by scanning equipment that is able to read coded images printed on paper. Examples of readable displays include electronic paper displays configured for displaying barcode images. Readable Display 403 may also be used to display transaction related information (e.g. “coupon valid”, “ticket invalid”, etc) and may also be used to display status information (e.g. “wireless carrier not detected”, “input error xxx”, etc).

[0153] FIG. 12 and FIG. 13 depict two embodiments of the communication setup of the Integrated Interceptor Device 400. In FIG. 12, the Integrated Interceptor Device 400 is reading the barcode image displayed on the screen of Mobile Device 800 and is subsequently displaying a barcode image readable by POS Scanner 122. FIG. 13 depicts the same setup, with the addition of Integrated Interceptor Device 400 communicating to POS 123 through a communications cable. Both embodiments are stationed within the walls of Merchant 121. Integrated Interceptor Device 400 is preferably located near POS 123 within easy reach of POS Scanner 122 and Mobile Device 800.

[0154] Expansion/Output Port 402 can be utilized as a ‘On the Go’ OTG data port for sending/receiving data to Interceptor Device 100. In one embodiment Accessory Device 600 (as pictured in FIG. 6) can be attached to Integrated Interceptor Device 400 using positive locking (click-in) male and female Mounting Pins 501 and 602, and attaching Communications Port 601 to Expansion/Output Port 402. Other embodiments could use various methods for securing the Accessory Devices to the Integrated Interceptor Device. Accessory Device 600 depicted in FIG. 6 allows a PS/2 connector to plug into PS/2 Receptacle 603, enabling connection to a POS Terminal 123 equipped with PS/2 ports. Further embodiments of Accessory Device 600 provide NFC (near field communications), RFID, and WiFi communications capabilities to Integrated Interceptor Device 400. Without Accessory Device 600 attached, Expansion/Output Port 402 can serve as a USB slave port allowing, for example, a direct data connection to the USB port of POS Terminal 123.

[0155] In one economical embodiment there are multiple Interceptor Devices 100 communicating with a single Communicator Device 200, all within a Merchant Store 121 or Site 151. Though in further embodiments there might be just one Interceptor Device 100 per site. Note that Site 151 can be any location where at least one Communicator Device 200 and Interceptor Device 100 are present. A further economical embodiment of Communicator Device 200 is that of a functioning cell/smart phone. Wherein a software application is loaded onto the cell/smart phone that allows the cell/smart phone to function similarly as Communicator Device 200 and/or Interceptor Device 100.

[0156] The system can be configured such that the Remote Server 700 can send data or firmware upgrades to either Communicator Device 200 or Interceptor Device 100. Firmware upgrades can modify the functioning of the receiving devices, such as: changing special code formats; halting/enabling device processes; changing device behavior (e.g. Forwarding of data to ports or displays); changing data formats (for received and/or forwarded data), etc.

[0157] Referring to FIG. 14, an in-store RFID Reader 141 is in communication directly with Communicator Device 200, communicating using Short Range Wireless Transceiver 202. In the present invention's incentive distribution and redemption embodiment, RFID Reader 141 is configured to recognize when the user of Mobile Device 800 is within close proximity to Merchant 121. RFID Reader 141 is preferably able to recognize the user of Mobile Device 800 through an RFID transponder attached or integral to Mobile Device 800, or carried separately by the user. In further embodiments, an RFID transponder might not be representative of a single, unique customer but a customer in general or any item located within Merchant 121. When RFID Reader 141 recognizes a user ID through their associated transponder ID, the user ID is communicated to Communicator Device 200 and forwarded to Remote Server 700. This information is stored and processed by Remote Server 700. In the present invention's preferred embodiment the location data is compared against user information and incentives available by the Merchant 121 or any other incentives not offered by Merchant 121 but located within the same vicinity. At which point the user of Mobile Device 800 might receive incentives in their mobile wallet and made aware of such incentives through SMS, MMS, email, or any other preferred communication medium. In further embodiments, such as depicted in FIG. 15 at least one RFID Reader 141 is setup at Site 151 as a data collection means, wherein people, objects, assets (anything tagged with an RFID transponder) is read by RFID Reader 141 and communicated to Interceptor Device 100 through a wireless connection utilizing Short Range Wireless Transceiver 106 or through a wired connection utilizing Output Port 102. Such a system may be used by a distribution center for tracking inventory flow through an RFID enabled portal. Further uses may include tracking customers as they move around, enter, and exit a location. The same benefits obtained through the use of RFID Reader 141 can be realized by utilizing the Accessory Device 600 in its RFID embodiment.

[0158] FIG. 15 shows just one embodiment of a data collection means. Any data reading means can replace RFID Reader 141, such as Barcode Reader 122 or Scanner 401. The figure is depicting an embodiment of the present invention not in communication with a POS system, for example serving the function as an inventory management system.

[0159] Referring to FIG. 11, Remote Server 700 is capable of receiving information from multiple sources. To recap sources already defined, one or more Mobile Devices 800 communicates with Remote Server 700 over the mobile device's cellular network. In the present inventions preferred embodiment Mobile Device 800 uses a WAP mobile browser application. Further embodiments do not use an internet browser application, but a software application. Communication is structured around the user interacting with a mobile wallet application hosted by Remote Server 700. Through this application, the user of Mobile Device 800 can organize, add, delete, and modify content within their mobile wallet. As well, they are able to, but not limited to, updating profile settings, privacy controls, and sending coupons and messages to other users of Mobile Devices 800. Remote Server 700 will only push data associated with alerts onto a user's Mobile Device 800 through SMS, MIMS, email, or any other communication medium specified by the user. The system only requires a Mobile Device 800 user to download data to the Mobile Device 800 for display and redemption purposes. Browsing and storage of data is hosted and conducted on Remote Server 700. As such, Mobile Device's 800 memory isn't consumed and the user of Mobile Device 800 isn't charged for unnecessary and expensive cellular network data transfer.

[0160] In further embodiments, devices in addition to Barcode Scanner 401 are in communication with Remote Server 700 using Interceptor Device 100 (devices such as card readers, video recorders, payment processing devices, etc). With such a robust network, Remote Server 700 is able to receive in real-time such information as:

[0161] mobile wallet user ID (encrypted or unencrypted), Interceptor Device 100 ID, and Communicator Device 200 ID (note that Device IDs can be associated with a specific location)

[0162] all UPCs scanned by Barcode Scanner 401 and associated time of scanning

[0163] all Coupon IDs, Coupon Redemption Codes, Loyalty Member IDs, Gift Card IDs, and other incentive information

[0164] location information regarding the proximity of people or items near RFID Readers 141

[0165] payment Transaction information, such as a gift card's credit/debit and balance data

[0166] any information converted into data by a data reader connected to Interceptor Device 100 or in direct communication with Communicator Device 200

[0167] any 3rd party data, such as user location information obtained through cellular network locating means

[0168] Remote Server 700 is able to analyze the above data and provide new incentives to mobile device users, bill advertisers for coupons redeemed, provide inventory flow information, analyze and provide customer profiling information, alert consumers to recalls, provide consumer transaction history (receipts), provide coupon redemption rates, and more. Much of the data will be acted on in real-time; as well the data will be stored in databases for future access.

[0169] Mobile Devices 800 outside the walls of Merchant Store 121 are also able to communicate with Remote Server 700. Users of Mobile Device 800 are able to access their mobile wallet application on Remote Server 700 from any location provided a cellular or internet connection exists. Both as the users are moving and stationary, cellular networks and 3rd party data can provide Remote Server 700 with location information of Mobile Device 800 through several means. In the present invention's preferred embodiment Mobile Device 800 is equipped with GPS hardware and services and is able to provided location information. Wherein the location data is communicated to Remote Server 700 through a cellular connection and converted into latitude/longitude coordinates and compared against user information and a catalog of incentives associated with said coordinates. The results are that incentives are chosen automatically for the user and added to their mobile wallet. If desired by the user, an alert is sent to their mobile device through SMS, MMS, email, or any other preferred communication medium specified by the user.

[0170] Through internet connections multiple parties are able to add, modify, delete and view information stored on Remote Server 700. Referring to FIG. 11, Mobile Users 113, Advertisers 114 and Merchants 115 are able to access Remote Server 700 through their personal computers. In the case of Mobile User 113, they're able to view the history or prior transactions, manage their mobile wallet, search for incentives, add third party content to their mobile wallet (e.g. venue or transportation tickets), forward incentives to other users, and more. In the case of Advertiser 114, they're able to settle billing, create new incentives, manage existing incentives (as depicted in FIG. 10), analyze customer behavior, determine coupon redemption rates, and more. The graphic user interface (GUI) hosted on Remote Server 700 is customized to a user's needs. For example, a seller of automobiles when creating new incentives would interact with a GUI that is customized for the automobile industry. In the case of Merchant 115, the merchant is able to view all data scanned at their POS terminals 123, determine what users entered and exited their stores, and more. This allows Merchant 115 insight into inventory flow, something desired in POS systems but not available with the dated, legacy POS systems that many merchants are currently using. Transaction data stored on Remote Server 700 will make available to Merchant 115 information regarding what SKU was bought when, by whom and at what POS terminal. Also, Merchant 115 is also able to settle with Advertiser 114 coupon redemption fees, in real-time, by utilizing coupon redemption history available on Remote Server 700.

[0171] It is desirable to have an adequate amount of data stored on Remote Server 700 to gain an understanding of mobile device users in order to match them with incentives of most interest. In addition to Remote Server 700 gathering data through Mobile Devices 800 and transactions occurring at Merchant Store 121, the server is in communication with third party data sources such as: credit card transaction data, credit scores, loyalty memberships, locating information, and more. In one example, a mobile device user and their ‘in car’ GPS locating device are associated with each other on Remote Server 700. The third party in control of the data streaming off the GPS device, forwards said data to Remote Server 700, ideally in real-time. In the present invention's preferred embodiment, the location data is converted into latitude/longitude coordinates and compared against user information and a catalog of incentives associated with said coordinates. This action results in incentives being chosen automatically for the user and added to their mobile wallet. If desired by the user, an alert is sent to their mobile device through SMS, MMS, email, or any other communication medium specified by the user. In further embodiments, said streaming location data can be utilized through Remote Server 700 to send alerts to the mobile user of payments due in the near vicinity, traffic warnings, locations of interest, and more.

[0172] To register users, the system takes advantage of many of the system resources in place. In the present invention's preferred embodiment, a secure mobile wallet is setup when a potential user sends a short-code message to Remote Server 700 requesting to start the registration process. The user can acquire this short-code message from an advertisement, a peer, a receipt, etc. . . . After receiving the short-code message, Remote Server 700 replies with a SMS message containing a URL registration link to a page on the server. The user activates said link and the registration page is brought up the mobile device's internet browser, at which point the user is prompted to enter their mobile device's phone number and in return they are provided a registration pin number. Remote Server 700 then sends to said phone number an SMS message containing a URL link to their personalized mobile wallet homepage. When the user activates said link they are forced to enter their registration pin to access their mobile wallet for the first time. A similar, but simpler process can be used to setup an unsecured mobile wallet that does not provide sensitive user information. Wherein, after receiving the short-code message, Remote Server 700 replies with a SMS message containing a URL mobile wallet link. The user activates said link and they access their mobile wallet for the first time.

[0173] When a new mobile device user or a new advertiser is loaded into the system, incentives may be automatically preloaded to the new or existing mobile device users' mobile wallets. In the example of a new mobile device user signing-up, it is known what location is considered their home position. Associated with that position are latitude and longitude coordinates, which are compared against existing incentives being offered near those location coordinates. Those incentives nearby are loaded automatically into their new mobile wallet. In the example of a new advertiser or new incentive being offered, the incentive's offering location is compared against the location of existing mobile device users. Those users and their mobile wallets located nearby are loaded automatically with the new incentive being offered.

[0174] Although the invention has been particularly shown and described with reference to certain embodiments, it will be understood by those skilled in the art that various changes in form and detail may be made without departing from the spirit and scope of the invention.