Method for facilitating financial and non financial transactions between customers, retailers and suppliers
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United States of America Patent
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Dec 4, 2012
Grant Date -
Nov 24, 2011
app pub date -
Aug 1, 2011
filing date -
Aug 15, 2006
priority date (Note) -
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status (Latency Note)
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Abstract
A new medium of tender employs both a primary barcode and a merchant specific extension barcode that are both associated with specific consumers. The system operates within preexisting merchant platforms and links merchant systems, POS systems, inventory systems, SKU systems, barcode readers and a server. The system allows the ready linking and access of consumer transaction related information including purchase history, credit information, merchandise details and similar information. It further allows for the ready remittance of payment via the ACH network through the eCache computer network or other funding networks based on criteria established by the merchant itself. It further facilitates the administration of consumer rewards or loyalty programs and also facilitates consignment arrangements between suppliers and merchants.
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