Claim chart US 10318940

Prior-art evidence dossier

US 10318940 · 2004-04-14

System and method for providing personalized customer assistance using a financial card having an RFID device

Surfaced at depth 654 of 44,907 eligible references. Of 7 limitations, 0 are taught by this reference and 6 are taught in substance with narrower claim wording.

1(pre)

1. A method for providing to customers a real-time value at a merchant point of sale as part of an award program performed by an enterprise infrastructure comprising components executing specific instructions which cause the enterprise infrastructure to perform the method comprising:

substance taught, wording narrower

A method of providing personalized customer service, comprising: electronically receiving purchase information from a financial card provider system at a merchant data management system from one or more purchases made from a particular merchant using a financial card affiliated with the particular merchant and provided to the customer by a financial card provider associated with the financial card provider system, the financial card provider being distinct from the merchant, the financial card having an associated financial account, the financial card having a radio frequency identification (RFID) device coupled thereto, the RFID device storing identification data identifying the financial account; wherein the purchase information includes an identification of items purchased during the one or more purchases; determining, at the merchant data management system, a number of loyalty points to be awarded to the financial account based on the purchase information

The reference describes a method of providing personalized customer service (an award program) at a merchant data management system (enterprise infrastructure) where loyalty points (real-time value) are determined and offers are provided to the customer.

1(a)

receiving, by the enterprise infrastructure, a plurality of requests from customers, each request comprising a request to create a customer account on the enterprise infrastructure associated with one or more award programs of one or more partners, and in response to each such request, allocating memory on the enterprise infrastructure, the allocated memory defining a personal consumer system account for the customer, and associating the account with at least one award program of one or more partners;

not taught by this reference

No supporting passage in this reference.

The reference does not teach receiving requests from customers to create a customer account, allocating memory in response to such requests, or associating the newly created account with an award program.

1(b)

receiving, by the enterprise infrastructure, from a point-of-sale (POS) of a provider, transaction data for a consumer involved in a transaction;

substance taught, wording narrower

electronically receiving purchase information from a financial card provider system at a merchant data management system from one or more purchases made from a particular merchant using a financial card affiliated with the particular merchant

The reference teaches receiving purchase information (transaction data) from purchases made from a merchant using an affiliated financial card, which is received at a merchant data management system.

1(c)

determining, by the enterprise infrastructure, using transaction data received from the POS, whether the consumer at the POS is part of an award program to receive savings;

substance taught, wording narrower

determining, at the merchant data management system, a number of loyalty points to be awarded to the financial account based on the purchase information

The reference teaches determining loyalty points to be awarded to the financial account based on the purchase information, which substantively determines if the consumer is part of an award program to receive savings/points.

1(d)

identifying, by the enterprise infrastructure, using transaction data received from the POS, whether a consumer is eligible to receive savings for an item scanned at the POS;

substance taught, wording narrower

offering the customer a discount on particular items based on the identified items purchased during the one or more purchases.

The reference teaches offering a discount (savings) on particular items based on the identified items purchased, which involves identifying whether a consumer is eligible to receive savings for purchased/scanned items.

1(e)

providing savings to the consumer at the POS for the scanned item in response to determining the consumer is part of an award program to receive savings and is eligible to receive savings for an item scanned at the POS; and

substance taught, wording narrower

providing the offer to the customer via an electronic visual interface associated with the merchant data management system.

The reference teaches providing the offer (which can be a discount/savings on items) to the customer via an electronic visual interface associated with the merchant system.

1(f)

storing, by the enterprise infrastructure, transaction data, in the personal consumer system account of the particular consumer.

substance taught, wording narrower

causing the received purchase information to be stored in storage separate from the card as purchase history information associated with the financial account.

The reference teaches storing the received purchase information (transaction data) in storage as purchase history information associated with the financial account (personal consumer system account).