We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so. We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
By law we have to keep basic information about our members and customers including Contact, Identity, Financial and Transaction Data for six years after they cease being customers for regulatory purposes. Details of retention periods for different aspects of your personal data are available in our retention policy which you can request from us by Contacting us.
In some circumstances you can ask us to delete your data: see Request erasure below for further information. In some circumstances we may anonymise your personal data so that it can no longer be associated with you for research or statistical purposes in which case we may use this information indefinitely without further policy to you. Under certain circumstances, you have rights under data protection laws in relation to your personal data.
Please click on the links below to find out more about these rights:. You will not have to pay a fee to access your personal data or to exercise any of the other rights.
However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances. We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data or to exercise any of your other rights.cars.cleantechnica.com/ingenieros-de-hardware-informacin-de.php
US20140108123A1 - User defined point-of-sale coupons and payments - Google Patents
This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response. We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
We make sure we consider and balance any potential impact on you both positive and negative and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you unless we have your consent or are otherwise required or permitted to by law. You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us. Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
Comply with a legal or regulatory obligation means processing your personal data where it is necessary for compliance with a legal or regulatory obligation that we are subject to. This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it. Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing see below , where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law.
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Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request. Object to processing of your personal data where we are relying on a legitimate interest or those of a third party and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms.
You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms. Request restriction of processing of your personal data. Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format.
Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you. Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent.
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If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.
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Very knowledgeable! Gets things done very quickly and saved all my food in fridge from going bad!! Will use again! In various implementations, this amount could be less than, greater than, or equal to the amount of the purchase. A User Defined Coupon UDC system then generates an electronically coded barcode which can be presented via the mobile device to the POS barcode scanner, such as by utilizing light beam technology, and the amount of the User-Defined Coupon is automatically deducted from the purchase price, just like any other coupon.
In addition to bank accounts, many users have other accounts of value, such as points or rewards programs, airline miles, auction accounts, and consulting payment accounts. Usually these accounts also have some formula for conversion of points to monetary equivalents. In one implementation, since previous coupons were redeemed by the manufacturer or distributor, in presenting User Defined POS coupons, a part of a transaction is to define a source of the coupon funds for their redemption.
Inasmuch as a generalized clearinghouse for transfer of one value medium for another can be defined, the user may at some time register any or all of his value accounts with the UDC service, and the service would then have those funds available for definition of the coupon. Even without such a clearinghouse, funds from a credit or debit bank account could be called upon for redemption.
In this implementation, the system also utilizes one or more specific merchant identification codes to identify that the coupon presented is coming from the UDC service. The Item Number is usually only 5 digits, so while that would be large enough to enter an amount for normal purchases, the exposure to counterfeit barcodes could be problematic. In various implementations, the Item Number could include an encrypted access code that could be used to validate the coupon with the UDC service. The access code could be temporary, invalidated after use or after a period of time so that the code could be reused later, or it could be permanent.
In one implementation, a limitation of 5 digits would imply that only 99, different codes are available at any given time. The UDC system could create a secondary authentication protocol utilizing additional information from the user's mobile device including but not limited to geographic location, time, amount of coupon, access codes, etc. The case of two requests generating the same code could also be reconciled via a number of strategies including but not limited to hash table collision resolution, or utilization of multiple manufacturer codes.
In many instances, on-line shopping web sites have coupon or promotional codes that can be entered. If that web site is registered with the UDC service, a user-defined coupon in the form of a promo code could be generated and used for online shopping. If a desktop or mobile device has access to printing resources, a hardcopy barcode coupon could be generated and physically presented at the POS terminal. The coupon could also be pre-defined at one device, and stored at the UDC clearinghouse, and retrieved later by another device for presentation to the POS terminal.
In one implementation, the transaction in the POS system would follow a standard protocol for that system, validating the coupon and then submitting reimbursement requests to the UDC service as if it were any other manufacturer channel. At the POS terminal the user accesses an application which allows entry of the desired coupon value.
The user can then present the coupon to the POS scanner using the mobile device for redemption, reducing or eliminating the balance of the purchase. The mobile device could also, either independently or via the UDC server, access any existing manufacturer coupons that pertain to the purchase and add this amount so that the best overall discount is obtained. Printed coupons could also be presented in concert or in combination with electronic coupons where allowed.
In another implementation, devices utilizing NFC or other communications could also access the value account in a cardless manner utilizing only the mobile device. The foregoing and other aspects, features, details, utilities, and advantages of the present invention will be apparent from reading the following description and claims, and from reviewing the accompanying drawings. This system 10 could be, for example but not limited to, a kiosk, desktop computer with Internet access, laptop computer, computing tablet, or mobile phone.
The UDC Clearinghouse 20 can be configured by the user in a one-time separate process to register a source of funds, such as a bank account 30 of the user, with the UDC Clearinghouse 20 and to enable the UDC Clearinghouse 20 to access the source of funds. In this way, the user can identify a source of funds for the coupon. The user can use an application on the mobile device 10 to define the coupon, which can include entering the amount of the desired coupon. If there is more than one source of funds for the coupon available to the user, user can also identify a particular source of the funds for the coupon by entering this information into the application on the mobile device This can include registering that coupon with the UDC Clearinghouse 20 for redemption.
That format might be, without limitation, barcode, QR code, or other 1-dimensional or 2-dimensional printed code, or electronic transmission format such as Near Field Communication NFC encoding, radio frequency RF , infra-red IR , or audio transmission format. The transmission medium between the mobile device 10 and the POS terminal 40 may be any format, protocol, or medium supported by both the device 10 and the POS terminal 40 , or between the mobile device 10 and the POS terminal 40 with a third device between them for translation of the format.
In certain embodiments, there can be constraints placed on the user's ability to generate coupons. In this case, a redemption center 50 may communicate these constraints to the UDC Clearinghouse 20 or may respond to inquiries from the UDC Clearinghouse to ensure that the constraints are not violated by the defined coupon.
To fund the redemption of the coupon, the UDC Clearinghouse 20 stores and maintains account information as to the funding sources for the coupon, and has the capability to transfer or request the transfer of funds between itself and the user account Thus, in addition to or in place of the bank account 30 , the user can have access to other accounts of convertible value, such as points or rewards programs, airline miles, auction accounts, and consulting payment accounts.
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Usually these accounts also have a formula for conversion of points to monetary equivalents. Thus, based on the definition of the coupon provided by the user, the UDC Clearinghouse 20 may convert such a convertible value from one medium, e. At a POS terminal 40 , the user may present the coupon via the mobile device Multiple coupons may be presented either by the mobile device or printed medium or both. In either case, the POS terminal 40 validates the coupon. Once validated, the coupon amount is then deducted from the purchase price by the POS terminal 40 , and the transaction is completed.
Validation of the coupon can be accomplished by the POS terminal 40 sending a validation query the Redemption Center 50 and awaiting confirmation from the Redemption Center 50 that the coupon is valid. In various implementations, an item number could include an encrypted access code that could be used to validate the coupon.
The UDC system could create a secondary authentication protocol utilizing additional information from the user's mobile device 10 including but not limited to geographic location, time, amount of coupon, access codes, etc. This system could be, for example but not limited to, a kiosk, desktop computer with Internet access, laptop computer, computing tablet, or mobile phone. If the device has access to some form of printing device , hardcopy barcode coupons could also be generated. This would allow the coupon to be redeemed at a retail establishment that might not employ a barcode scanning device or have an electronic Point of Sale POS system.
To fund the redemption of the coupon, the UDC Clearinghouse stores and maintains account information as to the funding sources for the coupon, and has the capability to transfer for request the transfer of funds between itself and user accounts or between user accounts. In some instances, direct funds transfers from one account may not be available to the UDC Clearinghouse , and funds may need to be transferred from one account to another before it can be transferred to the Clearinghouse The CDC can act as a redemption and validation source for coupons presented to retailers who use the CDC as a service.
The retailer may also have its own Retail Coupon Database RCD to which it turns for validation of coupons accepted by the retailer. In one implementation, a shopper utilizes a kiosk, desktop, laptop, or mobile device to access a stored application or program on the device and access the UDC Clearinghouse service with a request to generate a coupon.
The UDC Clearinghouse validates that the convertible value or funds identified by the user are available and issues the coupon, notifying the CDC and RCD systems of the coupon's validity. The coupon may be stored for later use, presented via a mobile device, such as via light modulated beaming or other communication method, or printed by some device or kiosk for later presentation.
Although in some implementations described herein the communication is described as being accomplished via light modulated beaming or other methods, these communication methods are merely examples of communication methods that may be utilized, such as a barcode, RF communication, Bluetooth communication, Near Field Communication NFC , and the like.
Via the Internet, the user may also be provided with other coupons issued by the manufacturer, or a manufacturer's existing coupon redemption center may be polled to provide additional funding for the UDC by the manufacturer or distributor themselves. At a POS terminal , the user may present the coupon via the mobile device or printed coupon The coupon amount is then deducted from the purchase price by the POS terminal , and the transaction is completed.