Patent ID: 8788323
Filing Date: 2014-07-22
Classification: G06Q

Abstract:
1. A computer program product for providing a process for providing consumer defined coupons comprising: a nontransitory computer readable medium; and computer program code, encoded on the computer readable medium, comprising computer readable instructions for: providing, as a function of a financial management system executed by a consumer computing system, a consumer the ability to define one or more coupon terms for a proposed new coupon that a consumer desires from a potential coupon provider; obtaining data by the financial management system, the obtained data representing the one or more consumer defined coupon terms for a proposed new coupon that a consumer desires from a potential coupon provider, the new coupon not previously existing; selecting, by the financial management system from a plurality of potential coupon providers, based on the particular defined coupon terms, a first coupon provider to be provided the defined coupon terms, the selected coupon provider being a manufacturer of a named product if the consumer-defined coupon terms include a desired percentage discount off of a normal price, the selected coupon provider being a retail outlet manager if the consumer defined coupon terms include a desired discount off of a total spending at a specific store or store chain managed by the retail outlet manager; providing, by the financial management system to a coupon provider computing system of the selected coupon provider, the coupon provider computing system being coupled to the consumer computing system, the data representing the one or more consumer defined coupon terms; analyzing, at the coupon provider computing system, the selected coupon provider, the one or more consumer defined coupon terms; automatically accepting or rejecting, at the coupon provider computing system, one or more of the consumer defined coupon terms, based on predefined provider acceptance criteria, the predefined acceptance criteria comprising consideration of the total cost, the number of units, and the date of the coupon; and if the selected coupon provider rejects the one or more consumer defined coupon terms, the selected coupon provider proposing substitute coupon terms for a potential coupon provider proposed coupon; if the selected coupon provider accepts the one or more consumer defined coupon terms, creating a coupon in accordance with the one or more consumer defined coupon terms and providing, using the respective coupon provider computing system to the financial management system, the created coupon to the financial management system.