SYSTEMS AND METHODS FOR ROLL-UP PAYMENTS AUGMENTED BY PRICE MATCHING REFUNDS

摘要

A user specifies a wish list of items and creates an account. Transactions for customers with accounts are reported to a server system prior to processing payment. A transaction price is incremented, e.g. rounded up, and the incremented amount is added to a roll-up account of the customer. The roll-up account of the customer may also be augmented by refunds assigned to the customer in response to determining that a third party offers a lower price for a product purchased by the customer, the refunds being determined according to the difference between the purchase price for the product and the lower third party price. Upon determining that the roll-up account has sufficient funds to purchase an item of the wish list, the roll-up account is reduced by the purchase price and shipping of the item is invoked.

主权项

1. A method for roll-up payments comprising:
receiving, by a server system, a wish list associated with a user identifier and including one or more un-purchased item identifiers received from a user associated with the user identifier, the one or more un-purchased item identifiers each having a purchase price associated therewith, the wish list further including a wish list funding amount; receiving, by the server system, a record of a first transaction concluded on a point of sale (POS), the record including a user identifier, one or more purchased item identifiers, and a price paid for each item identifier of the one or more purchased item identifiers; subsequent to the first transaction, identifying, by the server system, for each item identifier of at least a portion of the one or more purchased item identifiers, a third party record, the third party record corresponding to the each item identifier and having a third party price; subsequent to the first transaction, identifying, by the server system, one or more refund identifiers of the one or more purchased item identifiers, the third party price of the third party record corresponding to the refund identifiers being less than the price paid for the one or more refund identifiers by one or more price differences; and calculating, by the server system, a credit amount corresponding to the one or more price differences; increasing, by the server system, the wish list funding amount by the credit amount responsive to identifying the one or more refund identifiers; determining whether the wish list funding amount meets the purchase price of at least one un-purchased item identifier of the one or more un-purchased item identifiers of the wish list; and generating a notification to the user responsive to determining that the amount of the wish list funding amount meets the purchase price of the at least one un-purchased item identifier.