METHOD OF AND SYSTEM FOR DISTRIBUTING AND REDEEMING ELECTRONIC COUPONS

Abstract: A method/system for enabling and enhancing e-commerce over a communication channel with at least two terminals. Upon receiving a request for information from client A (110), server B (120) transfers with the requested information, additional information as a coupon C (204) or as a pointer to a coupon database (310), that allows client A to be recognized by other servers B' (130). Any server B' that subsequently recognizes client A, as client A makes requests for information to other servers B', can recognize only portions of the information related to it. When client A makes certain e-requests from server B', server B' simultaneously makes a request to a database (310) on server D (150) that authenticates the information C that transpired between client A and server B'. Thereafter, server B' allows client A to proceed with any transaction subject to other criteria of server B'.

Description: METHOD OF AND SYSTEM FOR DISTRIBUTING AND REDEEMING ELECTRONIC COUPONS BACKGROUND OF THE INVENTION This invention relates to a method of and system for distributing and redeeming electronic coupons or "tokens" in a computer network environment and more specifically to a method and system for distributing, in advance of a request for information for which the "token" has relevance which may be redeemed. With the rapid growth of computer networking and requests for information from one computer to the next e.g. the Internet, it has become common practice for a provider of information ( a "Server") to provide each specific requester of information (a "Client"), with an electronic "token" (commonly referred to as a "Cookie") for the purpose of "recognizing" the client and/or providing some pre-determined and preprogrammed level of customization at the discretion of the information provider. Thus, in the prior art, the first time a client makes an electronic request for information from the server, the server delivers the requested information and, in addition, an electronic "token" or Cookie that allows the "server" to recognize the "client" and is able to customize the information provided in subsequent requests. The Cookie can also be used to identify a specific client or set of clients to control access to specific information or entry points of the server's private network. In ordinary commerce, information providers such as newspapers and magazines are used to attract or identify specific market segments of consumers in order to permit vendors to target consumers in those specific market segments with advertising. This frequently includes the use of coupons which may be redeemed by consumers for discounts on product purchases and for other benefits. Typically, the source of the coupon is either the vendor's own product or publication or that of a distributor or other information provider associated with the vendor. One of the benefits of coupons is that they provide the vendor with some measure of the effectiveness of their advertising by using coupons that are unique to each source of advertising. However, the tracking of paper coupons is a very time consuming and imprecise process. With the advance of the Internet, consumers can download and print out coupons from many online sources. Consumers can take these coupons to their local store to redeem them or return them to their source along with a proof of purchase in order to receive a refund by mail. These methods are both inconvenient and time consuming for the consumer. Currently, there is no effective way to distribute and redeem coupons online. Accordingly, it is an object of this invention to provide an improved method and system for distributing and redeeming coupons in a network environment. SUMMARY OF THE INVENTION The invention is directed to a method of and system for distributing and redeeming electronic coupons in a networked environment where the source of the coupons, the consumer and vendor are all connected to a common communications channel. The consumer, via a client system, can connect to a source of the coupons, typically a server, which will transfer an electronic coupon or a "book" of electronic coupons to the client. These coupons are transferred in advance of the client establishing a connection with the vendor's server in order to request information or obtain discounts on purchases of the vendors products or services. When the client does establish a connection with a vendor's server and initiates a transaction for information, goods or services, the vendor's server can recognize that the client bears a coupon which can modify the transaction and permit the client to redeem the coupon. The coupon can include an encrypted or encoded portion which would permit the server to communicate with another server such as an authentication server to authenticate and/or validate the coupon. The system according to the present invention includes a first server system having a computer processor and associated memory, a clearinghouse server including a computer processor and associated memory, the clearinghouse server being adapted for transmitting an electronic coupon to the first server system over a network, a second server system including a computer processor and associated memory and a client system including a computer processor and associated memory, the client system being selectively coupleable to the first and second server systems over the network. Upon the client system being coupled to the first server system, the first server system transmits the electronic coupon to the client system and upon the client system being coupled to the second server system for a purchase transaction, the second server system retrieves the coupon from the client system and modifies the purchase transaction based on the electronic coupon. The electronic coupon may include a cookie which includes client data that points the second server system to the clearinghouse server to retrieve electronic coupon data from the clearinghouse server, the coupon data including terms of the electronic coupon. The second server system may authenticate the electronic coupon based on information imbedded in the electronic coupon or based on the electronic coupon data retrieved from the clearinghouse server. The first and second server systems may be the same server, the first server system may be an advertising server and the second server system may be an e-tail server. The second server may be reimbursed for the redemption of the electronic coupon through the clearinghouse server. In another embodiment, the system for distributing and redeeming electronic coupons over a network includes a plurality of first server systems, each including a computer processor and associated memory, a clearinghouse server including a computer processor and associated memory, the clearinghouse server being adapted for transmitting electronic coupons to each of the plurality of first server systems over a network, a plurality of second server systems, each including a computer processor and associated memory and a client system including a computer processor and associated memory, the client system being selectively coupleable to the plurality of first server systems and the plurality of second server systems over the network. Upon the client system being coupled to one of the plurality of first server systems, the one of the plurality of first server systems transmits at least one of the electronic coupons to the client system and, upon the client system being coupled to one of the plurality of second server systems for a purchase transaction, the one of the plurality of second server systems retrieves at least one of the electronic coupons from the client system and modifies the purchase transaction accordingly. In another embodiment, the system for distributing and redeeming electronic coupons over a network includes a clearinghouse server including a computer processor and associated memory, a first server system including a computer processor and associated memory and being selectively coupleable to the clearinghouse server, a second server system including a computer processor and associated memory and being selectively coupleable to the clearinghouse server and a client system including a computer processor and associated memory, the client system being selectively coupleable to the first and second server systems over the network. The clearinghouse server is adapted for transmitting frame-generating script to the first and second server systems over a network. Upon the client system being coupled to the first server system, the first server system transmits a cookie from a frame spawned by the frame-generating script to the client system, the cookie containing electronic coupon information and upon the client system being coupled to the second server system for a purchase transaction, a frame spawned by the frame-generating script retrieves the cookie from the client system and modifies the purchase transaction based on the electronic coupon information contained in the cookie. The method according to the invention includes the steps of establishing a connection between a clearinghouse server and a first server over a network, transferring an electronic coupon from the clearinghouse server to the first server, establishing a connection between a client system and the first server over the network, transferring the electronic coupon from the first server to the client system, establishing a connection between the client system and a second server over the network, the client system initiating a purchase transaction with the second server, the second server recognizing the electronic coupon associated with the client system and the second server redeeming the electronic coupon and modifying the purchase transaction based on information contained in the electronic coupon. Prior to the redeeming step, the second server establishes a connection with the clearinghouse server to authenticate the electronic coupon. In another embodiment, the method of distributing and redeeming an electronic coupon over a network includes the steps of establishing a connection between a clearinghouse server and a first server over a network, transferring a frame-generating script from the clearinghouse server to the first server, establishing a connection between the clearinghouse server and a second server over the network and transferring a frame- generating script from the clearinghouse server to the second server. The method further includes the steps of establishing a connection between a client system and the first server over the network, transferring a cookie from a frame spawned by the frame- generating script in the first server to the client system, the cookie containing electronic coupon information, establishing a connection between the client system and the second server over the network for the purpose of executing a purchase transaction, transferring the cookie from the client system to the second server through a frame spawned by the frame-generating script in the second server and he second server modifying the purchase transaction based on the electronic coupon information contained in the cookie. Prior to the connection being established between the client system and the second server, the first server may transfer coupon information associated with the client system to the clearinghouse server for storage in memory of the clearinghouse server. Prior to the modification of the purchase transaction, the cookie may point the second server to the coupon information associated with the client system stored in the clearinghouse server memory, and the second server authenticates the electronic coupon based on the coupon information stored in the clearinghouse server memory. The method may further include the step of reimbursing the second server through the clearinghouse server. BRIEF DESCRIPTION OF THE DRAWINGS The foregoing and other objects of this invention, the various features thereof, as well as the invention itself, may be more fully understood from the following description, when read together with the accompanying drawings in which: FIG. 1 is a diagrammatic view of a system for distributing and redeeming electronic coupons in accordance with the present invention; FIG. 2 is a flow diagram of a method of distributing and redeeming electronic coupons in accordance with the present invention; FIG. 3 is a diagrammatic view of another embodiment of the system of FIG. 1; FIG. 4 is a diagrammatic view of the reimbursement procedure of one embodiment of the system of FIG. 3; and FIG. 5 is a diagrammatic view of the reimbursement procedure of another embodiment of the system of FIG. 3. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention is directed to a method of and system for distributing and redeeming electronic coupons. An electronic coupon is essentially a token, issued by or under the authority of the issuer for the benefit of recipient. Typically, the recipient receives the electronic coupon and subsequently redeems it for the prescribed benefit at some later point in time. Preferably, the electronic coupon enables or modifies an anticipated transaction such as providing a discount in the price of goods or services provided by the issuer or the issuer's agent. In addition, the electronic coupon can enable or modify the level of access to privately held information or a server having restricted access. Alternatively, the electronic coupon can be used in transactions between two businesses, two government agencies or two governments wherein, for example, the businesses enter into an agreement relating to a transaction for goods or services or access to information, or the governmental bodies enter into an agreement relating to transactions regarding currency or information. Although the distribution of electronic coupons may be selectively tailored to particular users based upon the users' demographics, shopping and spending habits, etc., a preferred embodiment of the invention distributes coupons to users independent of any known characteristics of the recipient. FIG. 1 shows a diagram of a system 100 for distributing and redeeming electronic coupons in accordance with a preferred embodiment of the present invention. The system 100 includes Client system 110, Server System A 120, Server System B 130, and Server System C 140, all connected to a common communications channel 160. Preferably, the Client system 110, Server System A 120, Server System B 130, and Server System C 140 can be a personal computer such as an IBM PC or IBM PC compatible system or an APPLE MacLNTOSH system or a more advanced computer system such as an Alpha based computer system available from the Digital Equipment Corporation division of Compaq Computer Corporation or SPARC Station computer system available from SUN Microsystems Corp, although a main frame computer system can also be used. Preferably, the communications channel 160 is a TCP/IP based network such as the Internet or an intranet, although almost any well known LAN, WAN, VPN technology can be used. In one preferred embodiment of the invention, the Client system 110 is an IBM PC compatible operating the Microsoft Windows 95 or 98 operating system and Server System A 120, Server System B 130, and Server System C 140 are configured as Web Servers providing access to information such as web pages in HTML format via the HyperText Transport Protocol (http). Server System A 120 is also configured to generate cookies and to transfer the cookies to the Client System 110. The Client system 110 includes software to allow viewing of web pages, commonly referred to as a Web Browser, such as Communicator available from Netscape Communications Corp. or Internet Explorer available from Microsoft Corp. The Client system 110 is capable of accessing web pages located on Server System A 120 and Server System B 130. Server System C 140 is an authentication server which includes the software necessary to authenticate electronic coupons prior to their redemption. In one preferred embodiment, Service System A 120 includes web server software that is adapted to produce an electronic coupon or a book of electronic coupons that is transferred to the Client system 110 in the form of a Cookie that is stored in memory at the Client system. Preferably, the electronic coupon is a data structure which can include any or all of the following information elements: data representative of an electronic coupon serial number or identification number, data representative of a unique key that can be used to validate or authenticate the coupon, data representative of the vendor that authorized the coupon and will redeem the coupon, data representative of the nature of the discount or access provided by the coupon, data representative of the server or entity that issued the coupon. In one preferred embodiment, the electronic coupon can be issued as part of an electronic coupon book. The coupon book can include data representative of a version number for the electronic coupon book and data representative of a serial number or identification number for the electronic coupon book. In one preferred embodiment, the electronic coupon contains all the information necessary to redeem the coupon. Specifically, the electronic coupon identifies the grantor (i.e. the party or vendor that will redeem the electronic coupon), the nature of the discount or benefit provided and a unique serial number or other data structure that permits the electronic coupon to be authenticated or validated. Thus, a server redeeming this type of electronic coupon can obtain all the information necessary to redeem from the electronic coupon. The server can even include the software necessary to authenticate or validate the electronic coupon. In an alternative embodiment, the electronic coupon book includes a unique serial number or identification number and a data structure useful for authenticating or validating the electronic coupon book. The actual content of the electronic coupon book can be determined, for example, by visiting a website which reads the coupon book serial number and provides the user with listing of the coupons available. A benefit to this configuration is the organization that issues the electronic coupon book can add vendors even after the electronic coupon book has been issued. Thus, if a vendor signs up with the organization that issues electronic coupon books after a particular coupon book has been issued to a client, the vendor can be added to the electronic coupon book at a later date. In order to redeem this type of electronic coupon, the server that intends to redeem the electronic coupon must connect to an authentication server which will authenticate or validate the coupon book and indicate the nature of the benefit of the electronic coupon to the server requesting authentication/validation. Another benefit of this configuration is that the coupons are relatively tamper proof, due to the authentication and validation facilities. In many prior art systems, coupons could be copied and/or altered by the user with relative ease; in the absence of validation/authentication schemes, few reliable methods for detection of such counterfeits exist. In another embodiment, all of the information embodied in the coupon (i.e., nature of benefit, authentication data, grantor data, valid vendors, etc.) may reside on a separate "clearing house"server, such that the Cookie held by the Client system 110 merely conveys identifying information relating to the Client that points to the coupon on the clearing house server. In this embodiment, a Client "receiving" a coupon results in a modification of the clearing house server database rather than a modification of data on the Client system; i.e., the Client system never physically receives the coupon. This embodiment requires communication between the server issuing the coupon and the clearinghouse server, via internet, conventional telephone line or other suitable communications channel. Likewise, when the coupon is to be redeemed by the Client system 110, the redeeming server must establish a link to the clearinghouse server for identification, validation and authentication. In an alternate embodiment, the coupon or coupons residing on the clearinghouse server may be provided to a printing device peripheral to the clearinghouse server, such that hard-copy versions of the coupons may be mailed, sent via facsimile, or otherwise delivered to the Client system 110. Figure 2 shows a flow chart 200 of a method of distributing and redeeming coupons in accordance with one preferred embodiment of the invention. In a preliminary step 210, the client system requests information from Server A. In the next step 212, Server A makes a promotion request to a promotion server. The promotion server then transfers an electronic promotion coupon to Server A, step 214. Server A then transfers the requested information along with the electronic coupon to the Client system, step 216. The Client system stores the electronic coupon in memory. In the next step 218, the Client system initiates a transaction or again requests information from a Server. The Server could be Server A or another server. At this point, depending upon the system, the Server could detect the presence of the electronic coupon on the Client system or the Client system could present the electronic coupon for redemption, step 219. In the next step 220, the Server authenticates the electronic coupon. Depending upon the system, the Server could evaluate the electronic coupon to authenticate or validate the electronic coupon, or preferably, the Server could transfer the electronic coupon information to a clearinghouse server which could authenticate or validate the electronic coupon and authorize the transaction. In the next step 222, the electronic coupon is used to modify or enable the transaction and the transaction is completed. Finally, the server is reimbursed for the value of the coupon through the clearinghouse server, step 224. In this embodiment, the promotional server and the clearinghouse server could be different servers or, preferably, the same server. As one of ordinary skill will appreciate, it will not always be necessary for the Client system to request information from Server A. All that is necessary is for Server A to establish a connection with the Client system in order to transfer the electronic coupon to the Client system. One method of transferring the electronic coupon is to include the electronic coupon with the information requested. Alternatively, the electronic coupon can be transferred to the Client system by any method of transferring information. In a preferred embodiment of the invention, the Client system is a personal computer running browser software which connects to web servers via the Internet or a similar network. Preferably, a book of electronic coupons is transferred to the Client system in the form of a Cookie which is stored in memory at the Client system. The Cookie can be detected by any subsequent web server to which the Client system connects. If the Client system attempts to initiate a transaction with a particular web server, the web server detects the Cookie which includes electronic coupon and uses the electronic coupon to enable or modify the transaction. In this embodiment, when the Client system receives the electronic coupon, the user can be alerted to the presence of the electronic coupon by another browser window or a Java based window that identifies all the electronic coupons in the electronic coupon book, the nature of the benefit provided and provides links to the various web sites where the electronic coupons can be redeemed. Alternatively, the Client system can connect to a web server which displays the contents of the electronic coupon book in the form of a web page which describes the nature of the electronic coupon benefit and a link to the web page where the electronic coupon can be redeemed. In yet another embodiment of the invention, when the Client system receives the electronic coupon or coupon book, the Client system may be programmed to automatically provide the electronic coupon or coupon book to a peripheral printing device such that the User has automatic access to hard-copy versions of the coupons. As one having ordinary skill in the art will appreciate, the use of the client system will typically be operated or otherwise controlled by a consumer or a customer (in business to business transactions) and the server system or systems will be operated or otherwise controlled by an organization or an agent of an organization authorized to enter into and complete the transaction. In addition, as one having ordinary skill will appreciate the entire process and system can be automated, for example whereby a client system is programmed to periodically visit websites (whether or not known to the source of electronic coupons) or the originating server can be programmed to periodically distribute electronic coupons, such as by electronic mail, and the redeeming server can be programmed to automatically redeem the electronic coupon as part of an automated request to initiate a transaction received from an automated client system. One of ordinary skill in the art will also appreciate that the electronic coupons can include an expiration date or a window of dates when the electronic coupon is valid or effective. In another embodiment of the invention, Cookies are transferred to, or retrieved from, a client system by a frame spawned within a primary website by JavaScript or other similar software code. This embodiment is compatible with security features included with some web browsers that limit a website to depositing and retrieving Cookies only for itself. For example, a user visiting a highly trafficked website generally receives a Cookie from that site, but a user cannot receive a cookie from a site on behalf of another site. This is because a Cookie deposited by a particular website is encoded with a signature corresponding to that website, and the browser utilizes that signature to limit Cookie transfers to only the website that created the Cookie. However, a frame spawned within the highly trafficked website can deposit a Cookie on the Client system, and a similar frame spawned within another website can subsequently read that Cookie, as long as the frames spawned on different websites look the same (i.e., have the same signature) to the browser running on the Client system. As with the other embodiments described herein, the Cookie may contain all of the necessary the coupon information, including the complete coupon data structure necessary for benefits identification, validation and authentication, or the Cookie may contain only data identifying the Client, so that the Cookie functions as a pointer to a database on a coupon clearinghouse server. If the Cookie contains the complete data structure, the script will include the code necessary to authenticate and validate the coupon. The utility of this embodiment lies in the fact that the issuer and the redeemer of the coupon need not be the same entity. For example, a producer of goods may desire to have coupons distributed to potential purchasers, but may not desire to conduct the electronic commerce necessary to redeem the coupons. In this case, the producer of goods would distribute the JavaScript (or other similar script) for generating coupon-distributing website frames to highly trafficked websites. The producer of goods would also provide the frame-generating script to point-of-sale product retailers so that the coupons could be redeemed where the product is sold. In other embodiments of the invention, the highly trafficked advertising website and the point of sale, redeeming website may be the same website. In other embodiments, the website from which the user acquires coupons or coupon pointer information may include the clearinghouse system directly, i.e., the user need not visit a website separate from the clearinghouse. The preceding embodiment of the invention may be implemented by a single service provider such as the entity responsible for the coupon clearinghouse server 150. In this scenario, illustrated in FIG. 3, the producer of goods 250 authorizes 252 the clearinghouse 150 to generate and distribute electronic coupons related to the relevant goods. The clearinghouse 150 produces and distributes the necessary frame-generating script 254 to the highly trafficked websites (i.e., the advertising websites) and to the point of sale websites (the coupon redeeming websites). A user operating a Client system 110 initiates a connection 302 to the one of the advertising websites (Server A 120) and receives a Cookie 304 from the frame 306 spawned by the script. If the coupon is to be stored on a clearinghouse database, the advertising website establishes a connection 308 to the clearinghouse 150 to store coupon information associated with the Client 110 into the clearinghouse coupon database 310. In a preferred embodiment of the invention, the aforementioned distribution of coupons is not dependent upon any characteristics of the Client 110 (e.g., demographics, purchasing habits etc.), although other embodiments may utilize such information to selectively distribute particular coupons to specific Clients. The user subsequently initiates a connection 312 to one of the coupon redeeming websites (Server B 130), and the frame 314 spawned by the resident script retrieves the Cookie that contains either the complete coupon data structure or the Client data that points to the clearinghouse database. If the coupon has been stored on the clearinghouse database 310, the redeeming website 130 establishes a communications link 316 to the clearinghouse 150 and retrieves coupon information associated with the Client 110. The redeeming website 130 then authenticates the coupon, either internally based on the information embedded in the coupon, or via the comiection 316 to the clearinghouse 150. The redeeming website 130 then modifies the transaction with the Client 110 by an amount defined by the coupon. As with conventional paper-based coupons, the redeeming entity (corresponding to the redeeming website 130) is reimbursed for the amount of the transaction modification in addition to a processing fee. The redeeming entity 130 may receive the reimbursement and fee from the producer of goods 250 directly, or from the clearinghouse 150. In the former case (shown in FIG. 4), upon notification 330 of the transaction from the redeeming entity 130, the redeeming entity receives the reimbursement and fee 332 from the producer of goods 250, and the clearinghouse 150 receives a fee 334 from the producer of goods 250 for each coupon redeemed. In the latter case (shown in FIG. 5), upon notification from the redeeming entity 130, the redeeming entity 130 receives the reimbursement and fee 332a from the clearinghouse, the clearinghouse notifies the producer of goods of the transaction, and the producer of goods reimburses the clearinghouse for the amount of the modification and the fee 332b that the clearinghouse paid to the redeeming entity, in addition to a providing a fee 334 to the clearinghouse for the redeemed coupon. The invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. The present embodiments are therefore to be considered in respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of the equivalency of the claims are therefore intended to be embraced therein.

Claims: CLAIMS What is claimed is: 1. A system for distributing and redeeming electronic coupons over a network comprising: a first server system including a computer processor and associated memory; a clearinghouse server including a computer processor and associated memory, said clearinghouse server being adapted for transmitting an electronic coupon to said first server system over a network; a second server system including a computer processor and associated memory; and a client system including a computer processor and associated memory, said client system being selectively coupleable to said first and second server systems over said network; wherein, upon said client system being coupled to said first server system, said first server system transmits said electronic coupon to said client system; and upon said client system being coupled to said second server system for a purchase transaction, said second server system retrieves said coupon from said client system and modifies said purchase transaction based on said electronic coupon. 2. The system according to claim 1 wherein said network is the internet. 3. The system according to claim 2 wherein said electronic coupon includes a cookie. 4. The system according to claim 3 wherein said cookie includes client data that points the second server system to the clearinghouse server to retrieve electronic coupon data from the clearinghouse server, said coupon data including terms of the electronic coupon. 5. The system according to claim 2 wherein said second server system authenticates said electronic coupon based on information imbedded in the electronic coupon. 6. The system according to claim 4 wherein said second server system authenticates said electronic coupon based on said electronic coupon data retrieved from said clearinghouse server. 7. The system according to claim 2 wherein said first and second server systems are the same server. 8. The system according to claim 2 wherein said first server system is an advertising server. 9. The system according to claim 2 wherein said second server system is an e-tail server. 10. The system according to claim 2 wherein said second server is reimbursed for the redemption of said electronic coupon through said clearinghouse server. 11. A system for distributing and redeeming electronic coupons over a network comprising: a plurality of first server systems, each including a computer processor and associated memory; a clearinghouse server including a computer processor and associated memory, said clearinghouse server being adapted for transmitting electronic coupons to each of said plurality of first server systems over a network; a plurality of second server systems, each including a computer processor and associated memory; and a client system including a computer processor and associated memory, said client system being selectively coupleable to said plurality of first server systems and said plurality of second server systems over said network; wherein, upon said client system being coupled to one of said plurality of first server systems, said one of said plurality of first server systems transmits at least one of said electronic coupons to said client system; and upon said client system being coupled to one of said plurality of second server systems for a purchase transaction, said one of said plurality of second server systems retrieves at least one of said electronic coupons from said client system and modifies the purchase transaction accordingly. 12. The system according to claim 11 wherein said network is the internet. 13. The system according to claim 12 wherein said plurality of second server systems are e-tail servers. 14. The system according to claim 13 wherein said plurality of first server systems are advertising servers. 15. The system according to claim 12 wherein said coupon includes a cookie. 16. The system according to claim 15 wherein said cookie includes client data that points the e-tail servers to the clearinghouse server to retrieve coupon data from the clearinghouse server, said coupon data including terms of the coupon. 17. The system according to claim 13 wherein said e-tail servers authenticate said electronic coupons based on information embedded in the electronic coupons. 18. The system according the claim 16 wherein said e-tail servers authenticate said electronic coupons based on data retrieved from said clearinghouse server. 19. The system according to claim 13 wherein said e-tail servers are reimbursed for the redemption of said electronic coupons through said clearinghouse server. 20. A system for distributing and redeeming electronic coupons over a network comprising: a clearinghouse server including a computer processor and associated memory; a first server system including a computer processor and associated memory and being selectively coupleable to said clearinghouse server; a second server system including a computer processor and associated memory and being selectively coupleable to said clearinghouse server; and a client system including a computer processor and associated memory, said client system being selectively coupleable to said first and second server systems over said network; said clearinghouse server being adapted for transmitting frame-generating script to said first and second server systems over said network; wherein, upon said client system being coupled to said first server system, said first server system transmits a cookie from a frame spawned by said frame-generating script to said client system, said cookie containing electronic coupon information; and upon said client system being coupled to said second server system for a purchase transaction, a frame spawned by said frame-generating script retrieves said cookie from the client system and modifies the purchase transaction based on the electronic coupon information contained in said cookie. 21. The system according to claim 20 wherein said network is the internet. 22. The system according to claim 21 wherein said electronic coupon information contained in said cookie represents the complete information necessary for the second server system to authenticate and redeem said electronic coupon. 23. The system according to claim 21 wherein when said first server system transmits said cookie to said client system, it also transmits coupon information associated with the client system to the clearinghouse server for storage in the memory of the clearinghouse server; and said cookie retrieved by said second server system from said client system points said second server system to the coupon information associated with the client system stored in the clearinghouse server memory, and said second server system authenticates the electronic coupon based on said coupon information stored in the clearinghouse server memory prior to modifying the purchase transaction. 24. The system according to claim 23 wherein said first server system is an advertisement server. 25. The system according to claim 24 wherein said second server system is an e-tail server. 26. The system according to claim 23 wherein said first and second server systems are the same server. 27. The system according to claim 23 wherein said second server is reimbursed for said electronic coupon through said clearinghouse server. 28. A method of distributing and redeeming an electronic coupon over a network comprising the steps of: A. establishing a connection between a clearinghouse server and a first server over a network; B. transferring an electronic coupon from said clearinghouse server to said first server; C. establishing a connection between a client system and said first server over said network; D. transferring said electronic coupon from said first server to said client system; E. establishing a connection between said client system and a second server over said network; F. said client system initiating a purchase transaction with said second server; G. said second server recognizing said electronic coupon associated with said client system; and H. said second server redeeming said electronic coupon and modifying said purchase transaction based on information contained in said electronic coupon. 29. The method of distributing and redeeming an electronic coupon over a network according to claim 28, wherein, prior to step H, said second server establishes a connection with said clearinghouse server to authenticate said electronic coupon. 30. A method of distributing and redeeming an electronic coupon over a network comprising the steps of: A. establishing a connection between a clearinghouse server and a first server over a network; B. transferring a frame-generating script from said clearinghouse server to said first server; C. establishing a connection between said clearinghouse server and a second server over said network; D. transferring a frame-generating script from said clearinghouse server to said second server; E. establishing a connection between a client system and said first server over said network; F. transferring a cookie from a frame spawned by said frame-generating script in said first server to said client system, said cookie containing electronic coupon information; G. establishing a connection between said client system and said second server over said network for the purpose of executing a purchase transaction; H. transferring said cookie from said client system to said second server through a frame spawned by said frame-generating script in said second server; and I. said second server modifying the purchase transaction based on the electronic coupon information contained in said cookie. 31. The method of distributing and redeeming an electronic coupon over a network according to claim 30 wherein, prior to step G, said first server transfers coupon information associated with the client system to the clearinghouse server for storage in memory of the clearinghouse server. 32. The method of distributing and redeeming an electronic coupon over a network according to claim 31, wherein, prior to step H, said second server establishes a connection with said clearinghouse server to authenticate said electronic coupon. 33. The method of distributing and redeeming an electronic coupon over a network according to claim 32 wherein, prior to step I, said cookie points said second server to the coupon information associated with the client system stored in the clearinghouse server memory, and said second server authenticates the electronic coupon based on said coupon information stored in the clearinghouse server memory. 34. The method of distributing and redeeming an electronic coupon over a network according to claim 33, further comprising the step of reimbursing said second server through said clearinghouse server.

Inventors: LAOR RAVIV, LAOR, RAVIV
Applicants: CATALINA MARKETING INT, CATALINA MARKETING INTERNATIONAL, INC.
Application year: 2001
Main classification: G06F17
IPC codes: G06Q30, G06Q50