US Patent No: 5,638,457
Number of patents in Portfolio can not be more than 2000
Method and system for building a database for use with selective incentive marketing in response to customer shopping histories
Stats
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Jun 10, 1997
Issued date -
Feb 28, 1994
filing date -
08/178,056
serial no -
In Force
status
Importance
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Abstract
The present invention includes automatic check reading techniques which enables the detection of a customer's checking account number on a check, regardless of the bank, bank branch or type of account. The customer identification code is automatically used to provide check verification as well as to provide various targeted marketing techniques based upon the customer's prior transactional history with the store.
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First Claim
Related Publications
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International Classification(s)
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- [Patents Count]
Cited Art
| Patent Info | (Count) | # Cites | Year |
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| 4,547,899 Waveform matching system and method | 44 | 1982 | |
| 4,617,457 Teller-assisted, customer-operated ATM document cashing system | 195 | 1983 | |
| 4,722,054 Input system for POS terminal | 117 | 1985 | |
| 4,776,021 Speed compensation scheme for reading MICR data | 32 | 1987 | |
| 5,014,324 MICR character reader using magnetic peaks to update timing clocks | 31 | 1988 | |
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| 4,356,472 Character recognition system | 30 | 1980 | |
| 4,510,615 Magnetic character reader with double document detection | 30 | 1981 | |
| 4,887,207 Automated system for evaluating the sensitivity of inventory costs due to fluctuations in customer demand | 79 | 1987 | |
| 4,797,938 Method of identifying magnetic ink (MICR) characters | 51 | 1988 | |
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| 4,723,212 Method and apparatus for dispensing discount coupons | 411 | 1987 | |
| 4,910,672 Method and apparatus for dispensing discount coupons | 395 | 1987 | |
| 5,173,851 Method and apparatus for dispensing discount coupons in response to the purchase of one or more products | 414 | 1990 | |
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| 4,825,045 System and method for checkout counter product promotion | 189 | 1986 | |
| 4,833,308 Checkout counter product promotion system and method | 280 | 1986 | |
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| 4,982,346 Mall promotion network apparatus and method | 287 | 1988 | |
| 5,201,010 Method and system for building a database and performing marketing based upon prior shopping history | 282 | 1992 | |
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| 2005/0169,530 Obstacle detection device and method therefor | 2005 | ||
| 2005/0169,530 Obstacle detection device and method therefor | 2005 | ||
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| 4,260,880 Optical character scanner | 38 | 1979 | |
| 4,277,689 Document reader | 56 | 1979 | |
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| 4,201,978 Document processing system | 158 | 1978 | |
| 4,523,330 Banking system and method | 187 | 1982 | |
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| 4,678,895 System for making payments for transactions | 146 | 1983 | |
| 4,673,802 System for making payments for transactions | 84 | 1986 | |
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| 4,897,880 Data acquisition control method and system for a hand held reader | 34 | 1989 | |
| 5,179,375 Interconnection system for an electronic cash register | 34 | 1990 | |
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| RE30579 Check authorization system | 57 | 1977 | |
| RE30580 Check authorization system | 54 | 1977 | |
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| 4,975,841 Method and apparatus for reporting customer data | 94 | 1990 | |
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| 4,453,074 Protection system for intelligent cards | 300 | 1981 | |
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| 4,380,734 Measuring magnetic intensity independent of speed in a succession of moving magnetic strips | 27 | 1980 | |
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| 4,245,211 MICR Waveform analyzer | 39 | 1978 | |
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| 4,791,281 Encoding and decoding system | 125 | 1986 | |
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| 5,054,092 Hand-operated low cost magnetic character recognition system | 51 | 1988 | |
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| 5,056,019 Automated purchase reward accounting system and method | 476 | 1989 | |
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| 4,441,204 Apparatus for recognition of stylized characters | 25 | 1981 | |
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| 5,077,805 Hybrid feature-based and template matching optical character recognition system | 85 | 1990 | |
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| 4,674,041 Method and apparatus for controlling the distribution of coupons | 214 | 1983 | |
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| 4,439,670 Method and device for the checking of the number of access attempts to an electronic store, notably that of an integrated circuit of an object such as a credit card or a buyer's card | 82 | 1982 | |
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| 4,748,673 Reader for reading magneto-optical characters, with the options of printing them or storing them | 25 | 1985 | |
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| 4,547,780 Printer with manual paper feed and weigh scale incorporating the same | 30 | 1984 | |
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| 5,053,955 Process and apparatus for administering promotional mailings | 57 | 1989 | |
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| 4,891,503 Distributed authorization system | 167 | 1988 | |
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| 4,908,761 System for identifying heavy product purchasers who regularly use manufacturers' purchase incentives and predicting consumer promotional behavior response patterns | 279 | 1988 | |
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| 5,091,634 Coupon validation terminal | 39 | 1989 | |
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| 2005/0166,062 Portable computer with a hand impression | 2004 | ||
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| 4,672,572 Protector system for computer access and use | 210 | 1984 | |
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| 4,727,243 Financial transaction system | 307 | 1984 | |
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| 5,251,152 Storage and display of historical LAN traffic statistics | 90 | 1991 | |
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| 5,237,496 Inventory control method and system | 107 | 1992 | |
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| 5,010,485 Apparatus, system and method for creating credit vouchers usable at point of purchase stations | 174 | 1989 | |
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| 4,399,553 Character reader | 46 | 1980 | |
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| 4,885,685 Investment management system with travel usage funds indexed to customer account status | 125 | 1987 | |
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| 4,933,536 Check processing device | 31 | 1989 | |
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| 4,628,194 Method and apparatus for currency validation | 191 | 1984 | |
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| 5,025,372 System and method for administration of incentive award program through use of credit | 481 | 1989 | |
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| 5,245,533 Marketing research method and system for management of manufacturer's discount coupon offers | 160 | 1990 | |
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| 5,070,452 Computerized medical insurance system including means to automatically update member eligibility files at pre-established intervals | 126 | 1989 | |
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| 5,245,164 Transaction processing apparatus | 30 | 1992 | |
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| 5,128,520 Scanner with coupon validation | 117 | 1989 | |
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| 4,703,423 Apparatus and method for generation of brand name specific advertising media | 116 | 1984 | |
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| 4,404,649 Document processing system | 100 | 1980 | |
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| 5,249,044 Product information storage, display, and coupon dispensing system | 363 | 1992 | |
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| 4,809,351 Optical character reader | 48 | 1986 | |
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| 5,253,345 Point of sale register system | 52 | 1992 | |
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| 4,396,902 OCR/Variable head slot reader | 121 | 1980 | |
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| 5,008,518 Data gathering system interface | 35 | 1989 | |
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| 4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons | 389 | 1984 | |
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| 4,799,156 Interactive market management system | 1426 | 1986 | |
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| 4,672,377 Check authorization system | 212 | 1985 | |
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| 4,554,446 Supermarket inventory control system and method | 207 | 1983 | |
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| 4,949,256 Coupon validation network with storage of customer coupon data for credit on future purchases | 220 | 1988 | |
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| 5,095,195 Automated videocassette dispensing terminal with reservation feature | 72 | 1989 | |
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| 4,750,119 Purchasing system with rebate feature | 288 | 1986 | |
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| 5,040,226 Courtesy amount read and transaction balancing system | 99 | 1988 | |
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| 4,381,494 Intercharacter gap detector for MICRS | 27 | 1980 | |
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| 4,208,575 Credit card or check validator | 38 | 1979 | |
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| 4,812,628 Transaction system with off-line risk assessment | 318 | 1987 | |
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| 4,748,668 Method, apparatus and article for identification and signature | 268 | 1986 | |
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| 4,670,853 Coupon computer and method for handling coupons | 57 | 1984 | |
| 4,810,866 Check validation/check writing system | 61 | 1987 | |
| 4,941,090 Centralized consumer cash value accumulation system for multiple merchants | 251 | 1989 | |
| 5,053,607 Point-of-sale device particularly adapted for processing checks | 284 | 1989 | |
| 5,117,355 Centralized consumer cash valve accumulation system for multiple merchants | 319 | 1990 | |
| 5,202,826 Centralized consumer cash value accumulation system for multiple merchants | 403 | 1991 | |
| 5,185,695 Method and system for handling discount coupons by using centrally stored manufacturer coupons in place of paper coupons | 175 | 1992 | |