| CPC G06Q 30/0268 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/36 (2013.01); G06Q 30/0205 (2013.01); G06Q 30/0208 (2013.01); G06Q 30/0215 (2013.01); G06Q 30/0238 (2013.01); G06Q 30/0251 (2013.01); G06Q 30/0275 (2013.01); G06Q 30/08 (2013.01)] | 20 Claims |
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1. A computerized checkout system for generating personalized advertisements, the system comprising:
a communications network;
an advertisement system operably coupled to the communications network, the advertisement system having a processor and a memory in communication with the processor;
at least one merchant administrator operable by a respective merchant user, the merchant administrator being operably connected to the advertisement system via the communications network, the merchant administrator having a processor, a memory, a display and a user interface for receiving input from the respective merchant user to create one or more merchant campaigns, each merchant campaign comprising a plurality of campaign elements input by the respective merchant user, each of the memory, the display and the user interface being in communication with the processor;
at least one partner system, the partner system being operably connected to the advertisement system via the communications network, the partner system having a processor and a memory in communication with the processor, and a host;
at least one user device operable by a respective device user, the user device being operably connected to the partner system via the communications network, the user device having a processor, a memory, a display and a user interface for receiving input from the respective device user, each of the memory, the display and the user interface being in communication with the processor;
at least one partner system funds account operably coupled to the communications network, the at least one partner system funds account maintaining funds belonging to the respective device user, the respective device user having a remaining funds balance in the partner system funds account corresponding to the respective device user's available funds on the partner system;
a partner application, the partner application being in communication with the host of the at least one partner system and being operable by the respective device user on the user device; and
a merchant offer wallet, the merchant offer wallet being operably connected to one or more of the partner system, the advertisement system and the merchant administrator via the communications network, the merchant offer wallet being operable within the partner application by the respective device user via the user interface of the user device;
wherein each of the advertisement system, the at least one partner system, the at least one merchant administrator and the at least one user device is an independent and distinct computer system;
wherein the one or more merchant campaigns are communicated to the advertisement system and at least one of transiently stored and non-transiently stored in the memory thereof;
wherein the memory of the advertisement system contains program instructions generating at least one list of merchant offer advertisements from the one or more merchant campaigns stored in the memory of the advertisement system, each merchant offer advertisement corresponding to a merchant offer from the respective merchant user set forth in the merchant campaign;
wherein the at least one list of merchant offer advertisements is displayed on the display of the user device;
wherein the user interface of the user device receives input from the respective device user corresponding to the device user's selection of one or more of the merchant offer advertisements on the list of merchant offer advertisements displayed on the user device;
wherein, in response to the received input from the device user corresponding to the device user's selection of one or more of the merchant offer advertisements, the advertisement system causes the merchant offer corresponding to the selected merchant offer advertisement to be communicated to one or more of the user device, the partner system and the advertisement system;
wherein the merchant offer wallet retrieves at least one merchant offer from one or more of the user device, the partner system and the advertisement system;
wherein the merchant offer wallet displays at least one retrieved merchant offer on the display of the user device;
wherein the merchant offer wallet displays the remaining funds balance of the respective device user in the partner system funds account on the display of the user device;
wherein the merchant offer wallet receives input from the respective device user, through the user interface of the user device, corresponding to the respective device user's selection of one of the device user's remaining system balance in the partner system funds account and the at least one merchant offer displayed on the display of the user device; and
wherein, in response to the received input from the respective device user corresponding to the respective device user's selection of one of the device user's remaining system balance in the partner system funds account and the at least one merchant offer displayed on the display of the user device, one of the partner system, the advertisement system and the user device generates an optical code containing transaction processing information, the optical code being displayed on the display of the user device and being readable by an optical reader at a point of sale location.
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