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1. WO2020223428 - COUPON VALIDATION AND FRAUD MITIGATION

Publication Number WO/2020/223428
Publication Date 05.11.2020
International Application No. PCT/US2020/030602
International Filing Date 30.04.2020
IPC
G06Q 30/02 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
H04L 9/32 2006.1
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Arrangements for secret or secure communication
32including means for verifying the identity or authority of a user of the system
CPC
G06Q 30/0185
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
01Customer relationship, e.g. warranty
018Business or product certification or verification
0185Product, service or business identity fraud
G06Q 30/0207
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
G06Q 30/0225
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
0225Avoiding frauds
H04L 2209/56
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
2209Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
56Financial cryptography, e.g. electronic payment or e-cash
H04L 9/0894
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Cryptographic mechanisms or cryptographic; arrangements for secret or secure communication
08Key distribution ; or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
0894Escrow, recovery or storing of secret information, e.g. secret key escrow or cryptographic key storage
H04L 9/3239
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Cryptographic mechanisms or cryptographic; arrangements for secret or secure communication
32including means for verifying the identity or authority of a user of the system ; or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
3236using cryptographic hash functions
3239involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD
Applicants
  • CATALINA MARKETING CORPORATION [US]/[US]
Inventors
  • SOUTHWELL, Tiffany
  • SINGH, Zubin
  • MONAHAN, Ryan
  • DIKUN, Kirk
  • MOU, Tony
  • SCHRAMEK, Todd
Agents
  • SHAIKH, Ahsan A.
  • CLAPS, Ricardo
Priority Data
62/841,10130.04.2019US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) COUPON VALIDATION AND FRAUD MITIGATION
(FR) VALIDATION DE COUPONS ET ATTÉNUATION DE FRAUDE
Abstract
(EN) A method for preventing fraud in incentive transactions is provided that includes receiving metadata from a brand manufacturer for an incentive associated with a selected product, the metadata including a product identifier and a redemption rule. The method includes requesting a host to create a record in a distributed ledger for the incentive using the metadata, providing the incentive to a consumer via a mobile device, assigning a public address to the incentive, receiving from the host a first private key associated with the public address in the record, providing the first private key to the consumer, and receiving a second private key indicative of a redemption of the incentive at a retailer. The method includes validating redemption of the incentive and recording the redemption of the incentive at a retailer in the distributed ledger record when the redemption of the incentive is validated. A system to perform the above method is also provided.
(FR) L'invention concerne un procédé pour empêcher la fraude dans des transactions d'incitation qui comprend la réception de métadonnées à partir d'un fabricant de marques pour une incitation associée à un produit sélectionné, les métadonnées comprenant un identifiant de produit et une règle de remboursement. Le procédé consiste à demander à un hôte de créer un enregistrement dans un registre distribué pour l'incitation à l'aide des métadonnées, à fournir l'incitation à un consommateur par l'intermédiaire d'un dispositif mobile, à attribuer une adresse publique à l'incitation, à recevoir de l'hôte une première clé privée associée à l'adresse publique dans l'enregistrement, à fournir la première clé privée au consommateur, et à recevoir une seconde clé privée indiquant un remboursement de l'incitation au niveau d'un détaillant. Le procédé consiste à valider le remboursement de l'incitation et à enregistrer le remboursement de l'incitation au niveau d'un détaillant dans l'enregistrement de registre distribué lorsque le remboursement de l'incitation est validé. L'invention concerne un système permettant de réaliser le procédé susmentionné.
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