FR2811458A1 - Customer sale point payment reduction document having central check area side picture and top area name section first offset print and print operation adding magnetic strip/reduction value. - Google Patents

Abstract

The promotional document is divided into three areas, the check (A), a side section (B) and an upper part (C). Printing is in two parts, first an offset print giving bank details on the check, the object picture on the side section and the providers name in the upper part. A second personalized print process places a magnetic strip on the check portion, a destination document on the side section and the reduction value and point of sale on the upper section.

Description

The present invention relates to a document payment system for

  promotional payments allocated to a product, allowing a customer to benefit, for a

  purchase made at a specific point of sale, of a reduction

  reimbursed directly by the supplier at the point of sale.

  The invention also relates to a method for

  reading of such promotional documents. There are currently-

  multiple types of discounts, including coupons. But these coupons currently issued on the market relate to consumer goods and relatively low prices. The so-called face value of these coupons is relatively small, of the order of

  a few francs to ten francs.

  However, these methods of promoting sales by coupons present a certain number of disadvantages to

  both for operations management and for their control.

  Operations management and in particular compensation

  vation of coupons results in fairly heavy logistics. The coupons collected by the POS cash desks must be sorted in general since there are often several simultaneous promotions, especially in stores

  large area. Then the coupons are sent to the providers.

  tary. These process the lots of coupons and ensure compensation. However, these different operations result in significant delays between the time when the coupon has been taken into account at the point of sale cash desk and the time when the account to which the point of sale is attached is credited.

the amount.

  Another serious disadvantage is that these traditional coupons are subject to misappropriation, that is to say that they are paid without being allocated to the goods to

  which they were actually intended for. Under these conditions

  tions, you cannot attribute significant reductions with such a system and the reductions currently practiced do not

  can exceed a few tens of francs.

  In summary, this coupon system constitutes an immediate reduction system for the customer with payment

  deferred or even very deferred for the point of sale. These cou-

  pons are also a source of significant diversion

  ble. Under these conditions, many manufacturers do not use this immediate reduction system for lack

  security and guarantee that reductions are well

  plicated to the products to which they are assigned initially-

  is lying. However, there are many areas in which sales could be encouraged by significant reductions linked to the value of products. These include, for example, microinformatics, telephony, large household appliances, hifi and video installations, all

  products very present in the large distribution.

  The object of the present invention is to develop a system of payment by promotional payment documents, making it possible to ensure, in a very simple and secure manner, significant reductions on products while facilitating the compensation process, allowing

  to allocate the reduction very quickly at the point of sale.

  To this end, the invention relates to a payment system of the type defined above, characterized in that the payment document comprises - a bank check * pre-established by the issuer for the benefit of the point of sale, * given to the potential customer, * a barcode identifying the product and the amount of the reduction, - an information document bearing * the name of the potential customer, * the product benefiting from the reduction, * the name of the point of sale in which the reduction is valid , * the duration of the offer, * the amount of the reduction,

* the name of the supplier.

  This payment document is sent individually or in the form of a booklet containing several such documents to a recipient. These recipients are chosen according to

  selection criteria, established by an operator for example-

  ple a brand launching a promotional campaign.

  The document is perfectly identified and the check

  identical to a bank check, has on the back under

  coded form, identification of the product subject to reduction

  tion and the amount of the reduction. This information is thus automatically processed by the cash register, which allows

  relate the reduction to the product sold.

  As the customer holding the payment document

  promotional is also identified, the supplier that is

  tell the manufacturer of the product who is responsible for the reduction

  tion will be able to receive the precise statement of sales and

  payment cuments associated with these sales. It will also have as byproduct, the customer file which can

  serve for statistical purposes or for public operations

cit.

  The point of sale is committed, thanks to this codifi-

  cation on the back of the check, not to accept the pay document-

  ment that for the sale of the designated product, it cannot be

  misappropriated for fraudulent use.

  For the point of sale which at the time of sale

  grants the price reduction corresponding to the amount awarded

  misted by the payment document, reimbursement of this

  reduction will be very fast, only a few days

  since the part of the payment document that constitutes

  kills a bank check will be treated as a bank check

and not as a coupon.

  More particularly, according to another ca-

  the information document includes - a coupon with the following information: * the name of the potential customer,

  * the illustration and description of the beneficial product

  quoting the reduction, * the name of the supplier, - and a stub containing the following information: * the duration of the offer, * the name of the point of sale where the offer is valid, * the amount of the reduction,

* the name of the supplier.

  According to another advantageous characteristic, the printing of the payment document is done in two stages: - a first printing according to the Offset process of the overlay comprising: * for the part of the future check * the logo of the bank o is domiciled on drawn account, * the logo of the account holder,

  * a recto background, in traditional four-color printing-

  nel accompanied by security ink, * the fixed mentions of a bank check, * the lines in microletters reserved for the recording of the sums in words, * oblique lines of prewarning, * a bar code in black on the back of the bank check identifying the product, * the box reserved for the amount, * for the part forming the strain: * the object of the offer, * the supplier, * the image of the object, * for the part forming the heel:

* the name of the supplier.

  - a second impression personalizing the document according to the MICR laser process and making * for the check part: * the printing of the magnetic line, * the name and address of the account holder, * the variable information completed, * the information fixed numbers completed, * the signature of the account holder, * for the stub part: * the name of the recipient of the document, * the amount of the reduction, * for the stub part: * the amount of the reduction, the location of the sale where the offer is valid,

  * the period of validity of the reduction.

  The various parts constituting the promotional payment document are preferably brought together on a

  single sheet, with preferential cutting lines, e-

  actually materialized to facilitate the separation of parts of the document. The check will be in the standardized format of a bank check and the other parts will be in the non-format

  necessarily standardized with a coupon and a heel, detach-

  ble. The combination of these three parts in a single document also facilitates the use of this product by the customer, especially since he can have several

  such payment documents corresponding to different pro-

  duits and which can be gathered in notebook.

  The payment document is printed as a check

  than banking with all the protections and guarantees related to

such a document.

  The present invention will be described below from

  in more detail with the help of drawings appended in the-

what:

  - Figure 1 is a simplified diagram of a pay document -

  promotional according to the invention.

  - Figure 2 shows the document printing after the background printing step, using the offset process - Figure 3 shows the part of the document corresponding to personalized printing, using the MICR laser printing process ,

  - Figure 4 shows the complete document.

  The invention relates to a system for payment by a promotional payment document such as that shown diagrammatically in FIG. 1. This document assigned to a specific object is

  provided to a prospective customer who may benefit from the re-

  immediate payment corresponding to the amount indicated on the

  cument to buy the product concerned in the determined point of sale, the latter will be reimbursed very quickly from

  the reduction which the customer will have benefited at the time of the payment-

  is lying. The document of this payment system according to the invention consists of three parts A, B, C. Part A has the format of a bank check and effectively constitutes a bank check. Part B is a coupon attached to part A and part C is a heel also attached to parts A and B.

  Part A is a pre-established bank check including

  carrying not only the information of the banking establishment but also that of the retail chain to which the point of sale and the beneficiary of the

  bank check as well as the amount. More pre-

  cise, this various information is in the places provided by the standardized form of a bank check. Thus, zone Al is the name of the banking establishment issuing the bank check A. Zone A2 contains the amount in letters and zone A3, the amount in figures. Zone A4 contains the name of the beneficiary of the bank check. Zone A5 contains the name and address of the issuer of check A, which can be the supplier, the distribution brand organizing the operation or an outside organizer. Zone A6 contains the payment address for the bank check and the account number. Zone A7 contains the signature. Zone A8 contains the place of establishment of the bank check and its date. Zone A9 contains the name of the brand including the point of sale designated in zone A4. The bottom part

  of bank check occupied by band A10 is line ma-

  usual genetics CMC7. Part A also includes the inclined lines barring the All check and the address of the place of

  clearing A12 as well as the number of the check in number li-

sible A13.

  Part B forming the strain contains the indi-

  cations relating to the recipient of the promotional payment document, the amount and the product concerned as well as the

possible name of the supplier.

  Zone B1 contains the name of the recipient, the

  zone B2, the amount of the prepaid reduction, zone B3 de-

  signs the product subject to the reduction and B4 which is an in-

  dication plus optional contains the name of the supplier.

  Finally, heel C contains information which

  are the repetition of other information already mentioned.

  Zone Cl contains the amount of the reduction,

  zone C2, the name of the supplier, zone C3 contains the li-

  validity of the reduction offer and area C4,

  the address of the point of sale accepting this document.

  The stub and the bank check can be detached

  expensive strain B it can remain in the notebook when

  that several documents like the one described above are

assembled in one book.

  This promotional payment document is printed

  preferably in two steps, like a standard bank check-

if that.

  Figure 2 shows the background print of the document. This is the printing of the basic elements

  of the document which will be personalized during a

  second phase. This printing using the offset process

  cluting security inks concerns parts A, B, C,

  that is, the background of the payment document. The first im-

  pressure concerns the AI zone for the bank logo

  Miciliation of the drawn account, zone A2 for the preprinted part (excluding the amount), zone A3 for the

  amount in figures, area A4 for the pre-

  printed at the location of the beneficiary of the bank check, zone A7 for the preprinted parts receiving the place

  of the bank check and the date, the All des-

  keen to cross out the bank check and the bottom of the check

  only for part A. Some of the prints in this part A are made with security inks to avoid

  forgery of the bank check.

  Part B also receives the impression of

  the object concerned by the reduction (zone B3), named after the supplier-

  nisseur (zone B4) and possibly the image of the object (zone B5). This impression also concerns part C

  for the name of the supplier (area C2).

  Finally on the back of part A, the name or reference of the object as well as the amount of the reduction will be printed in barcode. this printing is done according to the offset process. At the same time as printing, the separation lines L1, L2 are also produced between the parts

A, B, C by microperforations.

  Figure 3 shows the parts of the document

  promotional payment which are printed during the week

  second manufacturing step using the MICR laser process which

  is a printing process with magnetic ink that allows

  both, reading, character recognition. The supplements printed on part A are information concerning the amount of check A2a in full and A3a in numbers (areas A2, A3), the beneficiary A4a (area A4), the place of establishment of the bank check and the date of establishment A7a (zone A7) and signature A8a (zone A8) as well as the details relating to the holder of the account A6a and the place of payment Al2a (zone A6) and the number of the

  check Al3a and the magnetic line A10a (zone A10).

  The strain B receives the impression of the name of the desti-

  Blb and the amount of B2b reductions in the zones

Bl, B2.

  Heel C receives the impression of the amount Clc of the check (zone Cl), the point of sale concerned C3c (zone C3) and

the duration of the C4c offer (zone C4).

  At the cash register, with the barcode reader, enter the code written on the back of the check for

  accept this if the product code matches effectively-

  ment to the product code that is registered for the customer

  wishing to deliver the reduction check. In the case

  milk, the check is refused. This operation is perfect-

  ment possible since the check does not directly involve the recipient of the check, that is to say the

  client, but the issuer and the recipient of the check.

  This second impression is followed by other operations not detailed here, such as the trimming of the printed plates, the grouping of documents in the book and the shipment to the recipient with any information documents. Securing the payment document, the

  Part A in this case, is done on two levels because this docu-

  it is first printed by a security paper printer that uses security inks and then this document is personalized by another check check personalizer

  banking using magnetic inks.

  The payment system with promotional documents

  above described can work in the following way:

  - An operator, for example a point of sale or a store

  group of several outlets, launches a campaign

  promotion of a product in agreement with the supplier of the product (industrial or wholesaler). This one

  accepts a reduction on a specific product. This operation

  ration can be done for a single product with a single supplier or several products from the same supplier or

  several products from different suppliers.

  - From there, the operator opens an account dedicated to this operation with a bank which makes a series of numbers that will be used for the operation available to a banker's check designer and approved as such. The supplier will fund the account with a cash advance determined according to the number of documents issued and the amount of the reduction as well as the likely rate of use of this document by customers.

  beneficiaries of the documents. The account can then function

work normally.

  - The operator sends the promotion payment documents-

  nels (separately or in book form) to a clientele

  target chosen according to criteria which need not be ex-

plicity here.

  - From there, these customers can use promotional payment documents. If they make the purchases covered by the promotional documents, to the point of

  sale designated on the document and for the amount of reduction-

  tion of the document, they deliver the document at the time of

  payment. The amount of the reduction will be granted to them immediately.

  mediately. - The prints made during the first stage according to the Offset process are in polychromy including security inks to avoid falsification of the

  check A. The impressions made during the se-

  this stage are in black using the MICR laser process and personalize the background of the payment document for parts A, B, C.

  - This computer processing may generate sub-

  products intended both for verification of the transaction (reduction allocated precisely to the sale of the product concerned) and files of customers who purchased the product will be created to be supplied both as

  justification and as documents usable for future

res promotions by the supplier.

  - The point of sale hands over the bank check from which it is

  to recover the amount of the reduction

  emotional. This promotional reduction is immediate

  to the customer; it is applied at the time of purchase.

  The point of sale recovers this advance very quickly since the bank check he obtained in return for the reduction will be paid to him within the usual time limits.

processing of bank checks.

  Figures 2 and 3 are representative only

  of printing operations performed each time. In fact

  tee, the printing shown in figure 3 is made by-

  known the impression of figure 2 giving as a result the

  complete document shown in figure 4.

  The figures have different fancy names

  to better explain the form of the document to obtain.

  Thus, - the name of the bank is "BANK" - the name of the brand is "SIGN" - the name of the point of sale is "HYPERMARCHE" - the address is "CITY ISSUER" - the signature is "SIGNATURE" - the name of the supplier is "SUPPLIER"

  - the name of the recipient is "Mr. SPECIMEN".

  To avoid overloading Figure 4, the references

  References used in the other figures have not been re-

  taken. This system of payment by promotional payment documents is interesting for promotions of

  sales in sectors of activity which could not

  that then be concerned with discount coupons. The do-

  payment cument, the bank check in this case, avoids

  deferred reimbursements from the consumer. This also reduces

  The recovery time of the reduction amount is considerably reduced by the point of sale or the brand. The payment method is completely secure since it is a

  bank check and that this bank check is pre-established. In-

  end, it promotes certain promotions by retaining

  customers, by sending such promotion-

nels to a targeted clientele.

Claims (3)

CLAIMS S) Payment system by promotional payment documents assigned to a product allowing a customer to benefit from a reduction made directly by the supplier at the point of sale for a purchase made at a specific point of sale. , characterized in that the payment document comprises a part forming a future check (A), a part forming a stump (B) and a part forming a stub (C), and the printing of the payment document is done in two stages: - a first impression according to the Offset process of the overlay comprising: * for the part of the future check (A) * the logo of the bank where the drawn account is domiciled, * the logo of the account holder, * a background front, in traditional four-color printing accompanied by security ink, * the fixed mentions of a bank check, * the lines in microletters reserved for the recording of sums in words, * oblique lines of prébarrem ent, * a barcode in black on the back of the bank check identifying the product, * for the part forming the stock (B): * the object of the offer, * the supplier, * the image of the object , * for the part forming the heel (C): * the name of the supplier. - a second impression personalizing the document and making * for the check part: * the printing of the magnetic line, * the name and address of the account holder, * the variable information completed, * the fixed information completed, * the signature of the account holder, * for the stub part: * the name of the recipient of the document, * the amount of the reduction, for the stub part: * the amount of the reduction, * the location of the point of sale where l offer is valid, * the period of validity of the reduction.   2) Payment system according to claim 1, characterized in that the personalization of the payment document is made by a MICR laser printing.   3) Payment system according to claim 1, characterized in that the part (A) forming the bank check is provided with a code   bar identifying the product and the amount of the reduction   tion. 4) Payment system according to claim 1, characterized in that it also includes an information document bearing the name of the customer, the product concerned, the name of the point of sale, the duration of the offer, the amount of the reduction and the name of the supplier. ) Payment system according to claim 1, characterized in that it comprises an information document composed of a coupon and a stub, the coupon comprising areas with the name of the   customer, product illustration and description and name   of the supplier, and the heel having zones with the du-   offer, name of point of sale, amount of   reduction and the name of the supplier.   6) Payment system according to claim 1, characterized in that several documents intended for the same customer but bearing   on different products are combined in a book.