Abstract:
Systems, methods, and media are provided for inducing customer loyalty that are configured to: identify a loyalty account associated with a consumer, wherein the loyalty account is part of a loyalty program established by a retailer, create a monetary account linked to the consumer&#39;s loyalty account, designate an amount of change from a cash transaction at the retailer to be deposited into the monetary account, deposit the amount of change into the monetary account by adding the designated amount of change to an existing balance of the monetary account to create a new balance, determine if the consumer is entitled to a reward based on the depositing of the designated amount of change into the monetary account and at least one threshold; and display to the consumer the outcome of the determining.

Description:
CROSS REFERENCE TO RELATED APPLICATIONS 
       [0001]    This application is a continuation under 35 U.S.C. §120 of U.S. patent application Ser. No. 13/765,264, filed Feb. 12, 2013, which claims the benefit of U.S. Provisional Patent Application No. 61/598,022, filed Feb. 13, 2012, each of which is hereby incorporated by reference herein in its entirety. 
     
    
     TECHNICAL FIELD 
       [0002]    The disclosed subject matter relates to systems, methods, and media for inducing consumer loyalty. 
       BACKGROUND 
       [0003]    Retail stores have found it advantageous to offer programs that are designed to promote inducing consumer loyalty. For example, stores provide discount cards which, when used, cause their owners to receive discounts as a reward for their loyalty. These programs are convenient and result in savings to the consumer. Importantly, by saving consumers money, these programs induce consumers to return to stores and make repeat purchases. 
         [0004]    A significant portion of purchases that take place at retail stores are made using cash. When cash is used, consumers are usually given coins in the form of change. These coins are often set aside after consumers take possession of them. For example, coins may be placed in a coin jar and forgotten about. Over time, for any given consumer, the total amount of money that is set aside can add up to be substantial. 
         [0005]    Accordingly, a need exists for mechanisms for promoting consumer loyalty that take advantage of change that would otherwise be set aside by consumers 
       SUMMARY 
       [0006]    In some embodiments, methods for inducing consumer loyalty are provided. The methods comprising: identifying a loyalty account associated with a consumer, wherein the loyalty account is part of a loyalty program established by a retailer; creating a monetary account linked to the consumer&#39;s loyalty account; designating an amount of change from a cash transaction at the retailer to be deposited into the monetary account; depositing the amount of change into the monetary account by adding the designated amount of change to an existing balance of the monetary account to create a new balance; determining, by a hardware processor, if the consumer is entitled to a reward based on the depositing of the designated amount of change into the monetary account and at least one threshold; and displaying to the consumer the outcome of the determining. 
         [0007]    In some embodiments, systems for inducing consumer loyalty are provided. The systems include a hardware processor that is configured to: identify a loyalty account associated with a consumer, wherein the loyalty account is part of a loyalty program established by a retailer; create a monetary account linked to the consumer&#39;s loyalty account; designate an amount of change from a cash transaction at the retailer to be deposited into the monetary account; deposit the amount of change into the monetary account by adding the designated amount of change to an existing balance of the monetary account to create a new balance; determine if the consumer is entitled to a reward based on the depositing of the designated amount of change into the monetary account and at least one threshold; and display to the consumer the outcome of the determining. 
         [0008]    In some embodiments, non-transitory computer readable media are provided that contain computer-executable instructions which, when executed by a processor, cause the processor to perform a method for inducing of customer loyalty, the method comprising: identifying a loyalty account associated with a consumer, wherein the loyalty account is part of a loyalty program established by a retailer; creating a monetary account linked to the consumer&#39;s loyalty account; designating an amount of change from a cash transaction at the retailer to be deposited into the monetary account; depositing the amount of change into the monetary account by adding the designated amount of change to an existing balance of the monetary account to create a new balance; determining if the consumer is entitled to a reward based on the depositing of the designated amount of change into the monetary account and at least one threshold; and displaying to the consumer the outcome of the determining. 
     
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         [0009]    The above and other objects and advantages of the invention will be apparent upon consideration of the following detailed description, taken in conjunction with the accompanying drawings, in which like reference characters refer to like parts throughout, and in which: 
           [0010]      FIG. 1  is an example of hardware that can be used in accordance with some embodiments of the disclosed subject matter; 
           [0011]      FIG. 2  is a flowchart of an example of a process in accordance with some embodiments of the disclosed subject matter; 
           [0012]      FIG. 3  is an example of an interface for allowing a user to select how to handle change from a transaction in accordance with some embodiments of the disclosed subject matter; 
           [0013]      FIG. 4  is an example of an interface for showing how change was handled in accordance with some embodiments of the disclosed subject matter; 
           [0014]      FIG. 5  is another example of an interface for showing how change was handled in accordance with some embodiments of the disclosed subject matter; and 
           [0015]      FIG. 6  is yet another example of an interface for showing how change was handled in accordance with some embodiments of the disclosed subject matter; 
           [0016]      FIG. 7  is an example of an interface for making a purchase using stored credit in accordance with some embodiments of the disclosed subject matter; 
           [0017]      FIG. 8  is an example of an interface for making a purchase using stored credit plus cash in accordance with some embodiments of the disclosed subject matter; and 
           [0018]      FIG. 9  is another example of an interface for making a purchase using stored credit in accordance with some embodiments of the disclosed subject matter. 
       
    
    
     DETAILED DESCRIPTION 
       [0019]    Systems, methods, and media for inducing consumer loyalty are provided. 
         [0020]    In some embodiments, these systems, methods, and media can provide a loyalty account into which a consumer can earn credit and use credit. This account can be represented by a loyalty card in some embodiments. In some embodiments, this loyalty account can be used in connection with a fast food restaurant and/or any other suitable type of business, such as drug stores, retail businesses, department stores, convenience stores, and general merchandise stores. In some embodiments, credit can be earned on an account by applying at least a portion of change from a purchase to the account. In some embodiments, credit can additionally or alternatively be earned by making a certain number of purchases, by making purchases totaling a certain dollar amount, by making a purchase in response to a promotion, by winning a drawing, lottery, sweepstakes, etc., by being a customer for a certain period of time, and/or by taking any other suitable action. 
         [0021]    Turning to  FIG. 1 , an example of hardware  100  that can be used in some embodiments is shown. This hardware can include consumer non-mobile devices  102 , consumer mobile devices  104 , a communication network  106 , retail point of sale devices  108 , and/or account servers  110 . Any suitable number of these components can be used in some embodiments. Any one or more of consumer non-mobile devices, consumer mobile devices, a communication network, retail point of sale devices, and/or account servers can be any of a general purpose device such as a computer or a special purpose device such as a client, a server, etc. Any of these general or special purpose devices can include any suitable components such as a hardware processor (which can be a microprocessor, digital signal processor, a controller, etc.), memory, communication interfaces, display controllers, input devices, etc. For example, consumer non-mobile devices and/or consumer mobile devices can be implemented as a desktop computer, a laptop computer, a tablet computer, a personal data assistant (PDA), a portable email device, a multimedia terminal, a mobile telephone, a set-top box, a television, a network appliance, etc. As another example, retail point of sale (POS) devices  108  can be implemented as special purpose computers including a special purpose keyboard or touch screen, a special purpose display, a special purpose printer, and a cash-drawer interface. An additional example involves customers using private information, such as a phone number or password, to access their accounts without any devices or cards. In some embodiments, the invention may present as an added function or capability to an existing loyalty program or card and by giving said program or card the capability to earn loyalty through any of the mentioned or other listed ways, transform and enhance a loyalty card or program. 
         [0022]    For example, each account can have a balance that is updated when a customer pays with change, stores change, or earns rewards. Each account can also have a rewards tracker, which can be 3 digits (e.g., $3.65) for example, or any other suitable number of digits, representing the customer&#39;s cumulative amount of change stored. When the rewards tracker reaches a rewards threshold (e.g., $10), a dollar (or any other suitable amount) can be added to the customer&#39;s account balance and the rewards tracker can be reset to zero. 
         [0023]    Storing the users&#39; accounts balances can be done on servers in a network or in the cloud in some embodiments. One such example for how storage can be implemented is in connection with a large number of users (e.g., 50 million or any other suitable number of users). In this example, each user account can have a unique account number which, stored in binary, can be 3.25 Bytes (26 bits) long (or any other suitable length). Additionally, each user&#39;s rewards tracker can be stored on 1.25 Bytes (10 bits), or any other suitable amount of storage, covering all the numbers from 0 to 999 (representing penny increments up to ten dollars, at which point it resets to 0). Similarly, 2 bytes (16 bits) can enable storage of balances up to $655 per user account for example. 
         [0024]    In some embodiments, when a consumer enters a retail location, such as a fast food restaurant, the consumer can have choices to obtain a new card, earn credit on a card, use a card, and/or take any other suitable action. A retail location employee, who operates a retail POS device may operate the retail POS device to enable the consumer to exercise these choices in some embodiments. In some embodiments, the consumer may exercise these choices via the retail POS device in a self-service manner. 
         [0025]    A flow-chart of a process  200  for enabling a consumer to exercise these choices that can be implemented in a retail POS device in some embodiments is shown in  FIG. 2 . As illustrated, at  202 , the device can receive a user action request. Next, at  204 , the process can determine whether this request is for a new card (or account), is to earn credit, or is to use credit. 
         [0026]    If the request is to receive a new card (or account), at  206 , the device can receive cardholder information. Any suitable information can be received in some embodiments, and this information can be received in any suitable manner. For example, a user name, age, birthday, physical address, email address, phone number, and/or any other suitable information can be received. Then, the process can generate a card and/or activate an account for the consumer. In some embodiments, at  208 , the cardholder information may be uploaded to a centralized database over network  106 . 
         [0027]    A card can take any suitable form. For example, in some embodiments, a card can be premade with a 16-digit account number and a consumer&#39;s name can be imprinted on the card above the account number at the retail location. Such card may be dispensed from the retail POS device and/or from any other suitable device, such as an unmanned machine. These cards can include any suitable technology, such as barcodes, RFID transceivers, magnetic stripes, etc. 
         [0028]    After receiving a card, or after it is determined that a consumer wants to earn credit, the consumer can apply change from a purchase to the card and/or account. This can be accomplished in some embodiments by processing the purchase, determining the change due, and crediting the card and/or account with at least a portion of the change due. For example, at  210 , when making a purchase, the consumer may hand the card along with cash to a cashier to store change from his or her purchase in the account. Next, at  212 , the cashier may swipe the card through a scanner and/or reader to identify the consumer&#39;s account. When the card is swiped to capture change, the cashier may then be asked by the retail POS device how much of the consumer&#39;s change is to be stored on the card and/or account. The consumer can then select, via the cashier, to save only “the coinage” (that is, the coin portion of the change, and not the paper portion), “all of it” (that is, both the coin portion and the paper portion), a specific amount, a random amount, and/or any other suitable amount. If “the coinage” is selected, the cashier can then press a “c” key on the retail POS device, and then press the “enter” key and return the consumer&#39;s card and the amount of paper money in change owed to the consumer. If “all of it” is selected, the cashier can press the “a” key on the retail POS device, and then press the “enter” key and return the consumer&#39;s card without handing back any change from the transaction. If a partial amount is specified, the cashier can press the “p” key, then enter the desired amount to be stored on the card, and then press the “enter” key and return the consumer&#39;s card and whatever the difference is between the total amount of change from the transaction and the amount the consumer decided to store on the card. Examples of interfaces  300 ,  400 ,  500 , and  600  for these options are shown in  FIGS. 3 ,  4 ,  5 , and  6  in accordance with some embodiments. 
         [0029]    Storing change on the card and/or account may cause a notation to be made on the account that the consumer qualifies for one or more promotions, discounts, and/or any other suitable benefits. 
         [0030]    If the request is to use credit on the card to make a purchase, at  214 , the consumer can hand his or her card to cashier in order to make a purchase (along with money if the credit stored on card and/or account is insufficient to cover the purchase). At  216 , the retail POS device can determine the balance on consumer&#39;s card (A) and the amount due for purchase (B), and:
   if A&gt;B, deduct B from A and reflect balance in the consumer&#39;s card;   if A=B, make the consumer&#39;s card balance 0 and return no change; or   
 
         [0033]    if A&lt;B, subtract A from amount owed for the purchase, make the balance on consumer&#39;s card 0, and show (B−A) as amount owed to cashier. Examples of interfaces  700 ,  800 , and  900  for these options are shown in  FIGS. 7 ,  8 , and  9  in accordance with some embodiments. 
         [0034]    Purchases in which credit is applied to and/or used from the card can be tracked and stored in a database for analysis to improve future marketing efforts and better meet consumer demand for particular products. 
         [0035]    In some embodiments, a consumer can check the balance on the card and/or account on a Web page associated with the retail location. In order to do so, in some embodiments, the consumer can enter his or her card number and/or any suitable other identifying information to log into the Web page. 
         [0036]    In some embodiments, when costumers provide their card, mobile application or any other means for presenting coupons, discounts or other means to acquire a better deal, the cashier can log the necessary information to store change from the transaction without requiring the customer to present identifying information again. 
         [0037]    In some embodiments, consumers can accrue benefits by storing increasing amounts on their cards. For example, accumulating ten dollars on one&#39;s card may result in a reward of one dollar being added to that user&#39;s balance in some embodiments. At checkout, a member may scan his/her card, mobile application, or input his/her phone number and pin in order to credit his/her account with an amount equal to the change he/she chooses to store. This balance can be used just like a gift card to pay for part or all of a purchase. Furthermore, for every ten dollars stored in a member&#39;s account, his/her account can be credited with an additional dollar or any other suitable amount. 
         [0038]    Additionally or alternatively, a three-dollar credit (or any other suitable credit) may be given to consumers reaching a twenty-five dollar threshold (or any other suitable threshold) in their balances in some embodiments. Larger rewards may be given to consumers with greater balances in some embodiments. 
         [0039]    In some embodiments, in order to further incentivize users to use their cards, after a given number of uses of a card (e.g., a thousandth use of a card by all users) for a purchase and/or change storage, that thousandth user may qualify for a lottery type drawing in which the winner can earn a prize. These lotteries can be televised, shown on a Web page, etc. 
         [0040]    In some embodiments, a retail POS device can be dedicated to card transactions and may require a card swipe and/or read before a purchase will be permitted. 
         [0041]    Money in the accounts can automatically be stored in separate custodial accounts by a retailer and/or may be invested in any suitable investment (such as short term bonds). 
         [0042]    In some embodiments, users&#39; buying habits and email addresses can be tracked and used to target promotional offers to certain of the users. 
         [0043]    In some embodiments, any suitable computer readable media can be used for storing instructions for performing the processes described herein. For example, in some embodiments, computer readable media can be transitory or non-transitory. For example, non-transitory computer readable media can include media such as magnetic media (such as hard disks, floppy disks, etc.), optical media (such as compact discs, digital video discs, Blu-ray discs, etc.), semiconductor media (such as flash memory, electrically programmable read only memory (EPROM), electrically erasable programmable read only memory (EEPROM), etc.), any suitable media that is not fleeting or devoid of any semblance of permanence during transmission, and/or any suitable tangible media. As another example, transitory computer readable media can include signals on networks, in wires, conductors, optical fibers, circuits, any suitable media that is fleeting and devoid of any semblance of permanence during transmission, and/or any suitable intangible media. 
         [0044]    Although the invention has been described and illustrated in the foregoing illustrative embodiments, it is understood that the present disclosure has been made only by way of example, and that numerous changes in the details of implementation of the invention can be made without departing from the spirit and scope of the invention, which is limited only by the claims that follow. Features of the disclosed embodiments can be combined and rearranged in various ways.