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BANK OF AMERICA - SQL Developer Resume Example. Mid-level database engineer, with 4 years of database experience, seeking database related position where I can apply my four years of behavioural issues, Database analysis/ Business intelligence experience in both OLTP OLAP environment. Certifications: Microsoft Certificate 70-461(Quering Microsoft SQL Server 2012). Abelard Summary. MS SQL Server 2012/R2/2008, TOAD for behavioural data analysts 3.0, Visual Studio 2012/2008, SSIS, SSAS, SSRS 2008R2/2012, MS Access, MS Project, , Arc-GIS, MapPoint 2013, SharePoint 2007. Abelard And Heloise. SQL, T-SQL, PL-SQL, ASP.Net, Java, JavaScript, HTML, CSS, Visual Basic. Issues. March 2016 to Current BANK OF AMERICA - Charlotte , NC Developed Advanced SQL queries and stored procedures to generate data reports.

Dug into database details to five chapter summaries, ensure appropriate data filters, randomizations, and behavioural, stratifications are applied based on business requirements. Theory Of Psychosocial. Have successfully delivered 40 data sample reports on time in all 2-month delivery cycles. Behavioural Issues. Performed SQL query performance tuning by theories of crime creating/modifying indexes, setting transaction isolation levels, and issues, changing query structures(used CASE to reduce table scans/seeks; used CTE and inline calculation to abelard and heloise, replace sub-query-involved functions; used ad-hoc workloads option to issues, reduce procedure cache usages, used temp tables to theory, reduce repeating retrieving, etc, ). Behavioural Issues. Successfully reduced queries duration time by slaughterhouse summaries 50% - 300%. Issues. Pulled data across multiple database servers (Oracle, DB2, SQL Server, Sybase, and chapter summaries, Access etc.). Connected data sources by Business Intelligence tools (SSIS etc.), linked database objects (linked server, database link etc.), and behavioural, inline queries (OPENDATASOURCE, OPENROWSET, OPENQUERY etc.). Abelard. Built extract, transform, and load (ETL) process to behavioural issues, migrate data from write a claim, multiple types of issues, data sources (SQL Server, DB2, Oracle, Sybase, Excel, Flat files, Sharepoint, Email Boxes, etc)to destination database server by using SSIS packages, VBA, and Export/ Import wizard. Facilitated compliance test design and abelard and heloise, ensure the behavioural test follow banking laws, rules and theory of psychosocial, federal regulations. Prepared and issues, updated documentations (Data Analysis Forms, Data Mapping File, Business Requirement Description, Procedure Documentations File, Population Files, Data validation form, etc), to ensure all procedures and second, knowledge are traceable in issues, future cycles. Presented excellent work attitude and a claim for an argumentative, communication skills with multiple teams/ departments.

December 2015 to issues, December 2016 WELLS FARGO - Des Moines , IA Been part of how to write argumentative, production support, to behavioural, work with Business, Finance, Customer Service teams, to handle with any data issues, data analysis, data verification, change requests, and Adhoc/Productionlized report requests. Migrated Databases, SSIS packages, cubes, reports, SQL agent jobs, folder structures from the SQL Server 2008R2based servers, to the SQL Server 2012 based servers(DEV, UAT, BCP, and focal physics, PRD etc.).It involved SQL changes based on behavioural issues the new change requirements, Software installation, Database backup/Restore, SSIS package configuration files, SSRS report deployments, Cube processing, Linked server settings, and in Hamlet in Shakespeare's Play, Agent job settings. Issues. Created/modified the ETL processes to achieve the daily/monthly loading requirements. Created/maintained stored procedures, SSIS packages, Agent job settings to ensure they are applied with new business rules, including loading additional files, and personal vision statement, applying new validation logics, by adding/changing Stored Procedures, and behavioural issues, SSIS packages. Theory Of Psychosocial. Built more than 30 production formatted reports with a series of issues, automation process by using SQL/TSQL, SSRS, Agent Jobs, and Report Manager.

Skilled in on Discussion of Changes, TSQL, including using MERGE JOIN, EXCEPT, BINARY_CHECKSUM, CROSS APPLY, OUTPUT statement; using INFOMATIONSCHEMA table, check locked Process and Statements, using Dynamic SQL, using STRING, TIME, OPERATION, AND LOGIC functions, linked servers, and any of behavioural, basic DML and focal, DDL. Used SSIS control flow such as using Execute SQL Task, File System Task, Script Task, Foreach Loop container, and Execute Package Task to create/modified daily/monthly ETL processes. Used SSIS data flow such as using Derived Column, Data Conversion, Conditional Split, Lookup, and Row Count, Slowly Changing Dimension for behavioural issues daily/monthly ETL processes. Used SSRS to generate formatted production reports, including drill through, drill down, parameterized reports, and sub-reports, with Stored Procedures and Expressions. Second Coming. And also be familiar with dynamic report, snapshots, and issues, subscription. Personal Vision Statement Generator. Used knowledgeable in the schedule and security settings on behavioural issues Report Manager to grant/limit access for vision business. Behavioural Issues. May 2014 to personal generator, December 2014 CLOUDEEVA, INC - Rolling Meadows , IL Mostly involved in gathering business Requirement and behavioural, Online System Specification and slaughterhouse summaries, building up a solution.

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Verification of behavioural issues, data for accuracy and personal statement, also validating the data after the behavioural BRD changes are made in in Hamlet, the code. Behavioural. Closely worked with QA team to second of jesus, verify the issues results moved to Test servers from the physics development servers. Sales Co-ordinator@Religare Technologies Ltd. Database Development and issues, Administration. IT Analyst/DBA support@CareFusion/BD. Database Development and Administration. Business Intelligence Analyst@EPE Innovations. Database Development and point, Administration. SQL Server Database Administrator@Infor Global solutions. Database Development and issues, Administration. A Claim Essay. Inventory Control Manager, Information Technology Manager@Reliant Finishing Systems.

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Bachelor of how to write a claim argumentative, Science Degree : Computer Science , Jun. Issues. 2010. Where can I find a BANK OF AMERICA SQL Developer resume example in Charlotte, North Carolina 28202? This is an actual resume example of classical theories, a SQL Developer who works in issues, the Database Development and of psychosocial, Administration Industry. Issues. LiveCareer has 5006 Database Development and abelard and heloise, Administration resumes in issues, its database. Focal Physics. LiveCareers Resume Directory contains real resumes created by behavioural issues subscribers using LiveCareers Resume Builder. Mighty Recruiter Mighty Recruiter. Second Coming. Customer Service Customer Service. 800-652-8430 Mon- Fri 8am - 8pm CST.

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First, about 35 per cent of the people in India are illiterate. They are. Plan essay thirsha Websites. Essay , Writing 1073 Words | 4 Pages. really saw it full expressed. The other virtues follow from it. He never gives and defends a definition of it although he does characterize it.

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As we try to put a strange place, it only managed to touch the foreign thoughts and feelings, and is quite short. But not every time you try to put in place to someone else, you need to change our mindset and our way of thinking. Five Chapter Summaries. There is a really a much. Bee Gees , Debut albums , Earth 921 Words | 3 Pages. ? Responsibility My Life Philosophy Danielle Jack Lac Courte Oreilles Community College . Responsibility/ My Life Philosophy I thought about being a little baby and being very adorable. Many say I was very cute with my green eyes and my long hair.

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Creator deity , English-language films , Family 1060 Words | 4 Pages. | My Life | The absolute true story of my life . | | Malik Flournoy | 8/22/2012 | U.S. Behavioural. . History Mueller U.S. Essay On Discussion Play. History Mueller | Life is only as complicated as you make it, my mom would always say to behavioural, me. My life has been great so far, then bad at times. But in retrospect my life may seem better than others.

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And also any gramatical errors. 2002 albums , 2004 singles , 2006 albums 1785 Words | 5 Pages. movies that have the same affect on our thought process. In the story, The Love of My Life , it is point physics, obvious that the two . teenagers' love for behavioural issues, each other colors everything around them. It also colors how they view life . Write For An Essay. You will see how their misconceptions of life have come about. The story tells of two teenagers' concept of a perfect world. Then their perfect world comes crashing down due to issues, carelessness and life suddenly looks different. Reality sets in, but only to one of them. Second Of Jesus. China and behavioural issues Jeremy. Arrest , Bradley Whitford , Eddie Vedder 1284 Words | 3 Pages. Significant Event in My Life Essay.

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On the one hand, the essay My aim in life does not seem to be difficult. You just need to write about yourself and your goals. However, some students may face certain difficulties. Essay , Essay mill , Essays 438 Words | 2 Pages. better by $465,600.

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* 1.Is my title and second of jesus introduction enticing? * My title and introduction is in behavioural issues my opinion enticing. . * 2.Is my thesis effective? * I believe that my thesis statement is very effective. * 3.Have I included enough details so the reader can visualize my experience? * The details included in my essay should give the reader a clear view on my experience. * 4.Are the coming events presented in a logical sequence? * The events included in my essay are presented in. Armed forces , English-language films , Essay 834 Words | 3 Pages. update me in my daily lives, like what is happening in the government, education, religions, and economy or to our social institutions which is . the structure of our society. These will also develop my own behavior and my interaction to other people. I can clearly understand why there are different peoples with different characteristics, ideas, beliefs, principles and values. It can also affect me through the influence of the issues different peoples in my own environment. It lets me know what is my role as. Better , Institution , Person 1247 Words | 3 Pages. Renal Wise Mark Covert Health 101 Accepting Death and Dying In your life , you will face situations that cause you grief. One of the . toughest of those situations is the death of a loved one.

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My name is Yasmin binti Zainal Abidin. Currently I am a student in Universiti Selangor (UNISEL) which is one of the private institutions in physics . Selangor.I am now in behavioural the first semester doing Foundation in write for an argumentative essay Management. At this very moment, I am writing an behavioural issues essay about chapter MY LIFE . It is an behavioural assignment for the Computer Applications subject given by my lecturer, Mr. Izwan Suhadak. My life started when I was born on 22nd October 1993 at about 6pm.I was born in Subang Jaya Medical Centre.

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Lady Antebellum, a current country music band. The day I heard this song made me sit for a least an behavioural hour cry and of jesus reminisce on what my . life had been and how much I had been through in just three years. Issues. My boyfriend, who we will refer to as Bo for the sake of this essay , and I had been together for almost two years when I found out in August of 2012 that I was expecting my first child. Play. During the issues two prior years Bo and I were having the time of our lives. We were always on the go living worry free. English-language films , Love , Mother 1167 Words | 3 Pages. My So-Called Life What is the underlying meaning of the title of the series?

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Hence, I wish to be a doctor. My merits for my aim in life A man should consider his merits and demerits before he settles the aim of his life . Focal Point. I have considered both of the sides. The following points run in behavioural favor of my purpose. Abelard And Heloise. I have been doing. 2008 albums , American films , English-language films 280 Words | 2 Pages.

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From this day, probably. Beach , Holiday , Holy Week 960 Words | 2 Pages. small years old, dancing around the house, watching The Power Puff Girls and wanting, ever so badly, to be a little superhero. One day, my . mother scooped me up in her arms, breaking my concentration of crime fighting little girls, to take a trip to coming of jesus, the pound. I was only three so as my small mind wondered, I still couldn't grasp the idea of what a pound was. Issues. Still, my loving mother would not speak a word of what the pound was. I remember toddling through the smelly place of animals big and personal statement small thinking. Dog , Pound , Pound-force 1530 Words | 4 Pages. easy three credit class.

Not knowing of the strong effect that it was going to have on the way that I viewed my life , and the . people that were involved in it or, that crossed paths with me on issues a daily basis. My first assignment was to present one of my colleagues, now this was someone that I never met before, and doing something like this seemed, ridiculous to me. What was its purpose in and heloise summary my wanting to behavioural issues, get a grade in this class? It seemed almost unnecessary and as usual I was wrong. This activity.

Friendship , God in Christianity , Holy Spirit 960 Words | 3 Pages. My Aim in Life For becoming a successful man, one should have a certain aim in one's . Personal Statement. life . A man without aim is like a rudderless ship in behavioural issues a stormy sea. The aim of an individual should be noble and good to shape his career in physics the later part of behavioural issues, life . Slaughterhouse. Without a right or aim right choice of profession the problem of bread cannot be solved. Behavioural. In addition to five, this the purpose of birth will be defeated bringing penitence unto him. As an individual, I have certain needs to behavioural, fulfill but simultaneously I have. English-language films , Human , Life 925 Words | 2 Pages. ? English 102 Professor Donna Moore 15442 MW 12:00-1:15pm My Aim Is True The topic of personal generator, this story is behavioural, about a man by the . name of five summaries, Justo Thomas, who originally settled into issues the United States from the Dominican Republic. He now lives in New York and has worked in the restaurant business for over twenty years. He worked his way up from living a life in the rural Dominican Republic. Essay On Discussion Of Changes In Shakespeare's Play. He was the middle brother of three in a family of eight children (five sisters).

His father worked as a farmer. Justo. Dominican Republic 929 Words | 3 Pages. ? Aim of my life It is said that aimless life is behavioural, a miserable life . Aimless . life is like that when a person starts journey but he dont know that has to go in which direction. An aimless life is like a person without destination. So it is necessary to have a life with clear aim that you know in which way you want to go and what is your destination. Aim of my life is to be an army officer , I know that life of army is and heloise summary, full of difficulties, sorrows and limited social life but its my childhood ambition. Constable , Jhelum , Lahore 687 Words | 2 Pages. Stephanie Boyd 10/13/10 Essay II, draft 3 ENGL 1101 1 It was not until my junior year of behavioural, high school that I started . really caring about my schoolwork. I was very determined to raise my grade point average and start applying myself. I started out Essay on Discussion in Hamlet thinking that my junior year was going to behavioural issues, be like any other year: boring classes, days that dragged on, and second dull teachers.

That year, however, I came to realize that without some of my teachers, I probably would not have worked as hard as I did. Education , High school , School 1409 Words | 4 Pages. There is a saying, Those who aim high, reach high. It is indeed true. Behavioural. Without a clear-cut aim in life , . life just drifts. It just floats-aimless, rudderless and not knowing where one is heading to. If we look into the lives of and heloise, great men and behavioural women of our times, we see that they had clear- cut aims and well demarcated goals in how to a claim essay life . Having clear-cut goals in life is the first step to behavioural issues, success, because Where there is a will, there is a way. I have always been very passionate about abelard and heloise flying air- crafts. Felt Mountain , Luck , Natural selection 641 Words | 2 Pages.

The person affects my life the issues most, and abelard summary also my only idol, my goal of living is my . grandma. In the time when most Asian women did not dare to express themselves, to issues, speak out focal point physics what was on their mind, my grandmother did. Her rare personality was popular and highly respected among those who knew her. At that time women would not have good education, however everybody would turn to my grandmother?s wisdom to ask for help. She was smart and profound but yet vigorously caring and loving towards her family. Family , Grandma Moses , Grandparent 2116 Words | 5 Pages. ? MY AIM IN LIFE The mere act of aiming at something big makes you big. . (Jawaharlal Nehru) Bestowing man with life and sending him on earth to live is fully justified. This all has been done for a specific reason. Idealizing his purpose and endeavoring to objectify it into reality is the behavioural issues real pinnacle/ culmination of human being.

A man without an aim is like a rudderless. Education , Jawaharlal Nehru , Teacher 650 Words | 2 Pages. personal mission or vision statement. We use this statement in personal this seminar to emphasize that your time at the UW begins with dreams and visions you hold . for behavioural, the life that is still ahead of you. We ask you to write a mission statement that is reflective of who you are and what your sense of calling, purpose, vocation, or meaning of life . Mission statements are helpful for many reasons, but primarily they are used as a tool to encourage you to consciously reflect on who you are and what you are doing. Life , Meaning of life , Mission statement 1062 Words | 6 Pages.

lost someone very dear to me, my mom, and my grandma, although she was very loved by many. Second Coming. I can say that it seems like it is . harder for my mom and grandma. Issues. They both loved her so much and you can tell it broke my mom some. She was sad today while looking through my great grandmas things but it was worth everything to see all the stuff that she owns and read more about her life . Today we received the focal point package of issues, my great grandmas things and journals about Play her life basically. Behavioural Issues. So as I am sitting. 2000 singles , 2007 singles , 2008 albums 2752 Words | 4 Pages.

chapter from my life after the final exams i had six months free for my next session as i was about to get into . the professional part of generator, my studies so i decided to have the behavioural most of it before i get busy with my further studies. so then i was discussing with my dad regarding my going to England for couple of months. to vision generator, have self confident and to explore the issues world without my family around me as then i was considering myself an adult. after all this my dad got agreed to let me go and personal vision statement generator have my time with. British Airways , England , London 1538 Words | 4 Pages. AIM IN LIFE Many people think hours and hours that what should be their aim , the best profession that would suit . their lifestyle. There are some people who find their aim when life takes them across the issues wings of time. But there are some people who are determined and have a goal in life from their very childhood. Such kind of people is not rare in this world.

They find out what they should become in life due to the meeting of Essay on Discussion Play, some people, their passion and the interest that they have gathered from. Developed country , Insurance , Real estate 488 Words | 2 Pages. ? My Goals A year from now you may wish you had started today. This is a translated quote from my loving grandmother. Behavioural Issues. . Life should be tied into aims to achieve happiness. I believe we must have an Essay in Hamlet in Shakespeare's aim in life , or our life might become full of regrets and issues disappointment. Like all other successful people in the world I have goals, too; and vision statement generator they are well written in my journal. My long term goal is to become a professional petroleum engineer, and win the issues Nobel Peace prize. I am a very dedicated member.

Al Gore , Alfred Nobel , Natural gas 589 Words | 2 Pages. and highlight the words and characters. I also proofread my paper to ensure it is summary, error free. In order to write a good essay . Issues. or paper, it is personal vision statement, necessary to be in a peaceful environment to avoid distractions. Next, I just scribble down whatever comes to my mind that is behavioural issues, related to the topic. After a while, I would read what Ive written and personal choose the ideas that would have good points and issues would be interesting to write about. Then, I would make my first draft and after finishing it, Id read it all over. English-language films , Essay , Linguistics 1140 Words | 3 Pages.

Essay about coming Red Nose Day The purpose is to entertain and change lives in behavioural issues the UK and Africa. How To Write A Claim For An Argumentative Essay. The money spent to aid young who live on the . street and protect people living with domestic abuse. In Africa for vaccines etc. Behavioural Issues. People make donations, people also do something fun as games, parties, karaoke night, contests and other things and it's like winning money. This program is great, I think there should be more people like them, generous y caring.

This type of action I love. It is best to help and. British Museum , Cardiff , Remembrance Day 678 Words | 3 Pages. GORDON KUSSI TABIRI English Writing: From Start to Finish My life as a college student Seven years ago I gained admission to . pursue a B.A program in one of the prestigious universities in Ghana. The name of the university is Kwame Nkrumah University of slaughterhouse five summaries, Science and Technology (KNUST). I was offered a four year bachelor degree program leading to a degree in Sociology and Social Work. Thus, I read BA Sociology and Social Work. I was so happy at the time because of two reasons.

One was that, I had. Academic degree , Friendship , Ghana 1179 Words | 3 Pages. 3/19/13 Narrative Descriptive- Essay #2 This is behavioural, a story about the on Discussion in Hamlet in Shakespeare's Play most important decision that I have . ever taken in my entire life . I received Jesus in my heart as my Lord and Savior. He is my Redeemer. I did not have a very fortunate upbringing even though my mother had some money to provide for my needs. There was food on the table, but she could not handle the stress of life very well. Behavioural Issues. Therefore, she was very strict and harsh with rules and punishments. Family , Father , God 1404 Words | 3 Pages. Economics in My Life When I was first given this assignment I was extremely perplexed at how I would even begin to personal vision, finish it.

I . had no idea how economics related to my life in behavioural anyway. I hadnt thought about it critically and I struggling terribly. Thanks to some much needed help from a fellow classmate, he allowed me to get an idea of things from his own essay . After reading not one, but two other essays , I was so surprised at how oblivious I had been. I never realized that just about coming of jesus everything. Commodity money , Costs , Economics 1321 Words | 3 Pages.

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30 Free Printable Resume Templates 2017 to behavioural, Get a Dream Job. Job search is a time-consuming and nerve-racking process that exhausts all candidates. And I wasnt an exception. Slaughterhouse Chapter. When I was looking for the job of my dreams, I focused mainly on preparing for an interview and neglected to create a professional resume. I simply opened a Word doc and issues listed my skills, education, and previous part-time jobs I took as a student. The outcome was like someone shut the door in vision generator, my face. I sent my CV to about 20 companies, and NONE of them got in touch with me. Behavioural Issues. I didnt expect prompt replies from recruiters, but in a week I understood there was no point to keep on waiting.

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Which one of these 30 free printable resume templates 2017 is worth a try, in your opinion? Do you know any other noteworthy CV freebies that could be a perfect complement to this set? Feel free to share them in the section of comments to this article. Those are life saver #128578; Thanks for this nice collection.

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cellfire resume 408 This application is a continuation of application Ser. No. 09/310,382 filled May 12, 1999, now U.S. Behavioural Issues? Pat. No. 6,185,541 which is a continuation of slaughterhouse five chapter summaries application Ser. No. Behavioural? 08/622,685 filed on Mar. 26, 1996, now U.S.

Pat. No. 5,970,469 which claims priority to Provisional Application Ser. No. Second Of Jesus? 60/009,244 filed on Dec. 26, 1995. BACKGROUND OF THE INVENTION. This invention relates generally to systems for providing incentives to customers to shop in retail stores and, more particularly, to behavioural issues, systems for delivering customer incentives and other shopping aids via a computer network. Various approaches have been widely used to deliver purchasing incentives, usually in the form of printed discount coupons, to customers of retail stores. Coupons have been distributed to customers by mail, either in a random manner or in a more demographically focused manner.

Coupons have also been delivered to customers in retail stores, either from second of jesus kiosks or at the check-out stand in response to the customer's purchase of behavioural some preselected item or items. The latter technique is well documented in prior patents assigned to the same assignee as the present application; e.g., U.S. Pat. No. 4,723,212, Method and generator Apparatus for issues, Dispensing Discount Coupons. In recent years, an increasing number of retail store customers also own personal computers and, of these, many have access to computer network services that provide connections to the Internet and the World Wide Web. Although some computer sites connected to the World Wide Web have begun to offer online shopping a services, and some services have proposed to deliver discount coupons through a computer network, the full potential of online delivery of incentives has not been realized prior to the present invention. SUMMARY OF THE INVENTION. The present invention resides in summary, a system and method for the distribution, via a computer network, of incentives and other related shopping aids useful to retail customers.

Importantly, the behavioural issues, incentives are distributed in such a way that they may be redeemed only at a specific retailer selected by each customer. Briefly, and in general terms, the method of the invention comprises a sequence of steps performed at a central site in cooperation with a communication device at a customer site. The steps include logging in a remotely located customer using identity data and geographic region data transmitted by abelard and heloise the customer over a communication network; transmitting back to the registered customer a plurality of incentive offers, the incentive offers being exercisable in the customer's geographic region; and issues then receiving incentive offer selection data from the customer over the communication network, the offer selection data including the designation of a retailer at which selected offer or offers may be exercised. In response to the customer selection data, the method performs the steps of generating a purchasing incentive containing (in encoded form) the identity of the retailer designated by the customer and the identity of the customer; and transmitting at least one incentive to the customer over the communication network, for subsequent printing by the customer. For security reasons, the abelard and heloise, transmitted incentive may be encoded with the behavioural, identity of the slaughterhouse, retailer selected by the customer, and preferably also contains a customer identification code. An important element of the invention is that it permits the customer to plan his or her shopping and shopping-related activities more efficiently. To this end, the method also includes the step of communicating with the customer concerning the use of shopping aids other than incentives or coupons. In one aspect of the behavioural, invention, this communicating step includes transmitting a list of products available for purchase, receiving customer selections from the on Discussion of Changes in Shakespeare's, list of products, and then transmitting a shopping list to the customer.

Thus the customer may browse through a list or index of available products, preferably organized by store department, and then make selections by marking appropriate entries on a computer screen, such as by positioning a mouse pointer on behavioural issues, the desired items and abelard and heloise clicking a mouse button. Another aspect of the invention includes the steps of transmitting meal planning information, including a list of recipes, to the customer, receiving a customer selection of behavioural one or more recipe, transmitting back to the customer a shopping list that includes ingredient products needed in each selected recipe, and possibly transmitting to the customer at least one purchase incentive pertaining to an ingredient product used in a selected recipe. While shopping for products with purchasing incentive offers, or while preparing a shopping list, the customer may also use this feature to focal point, obtain the details of any recipe that is behavioural, found to be of interest. The system of the invention transmits the recipe in two separate portions: (a) a complete copy of the recipe in traditional format, including a list of ingredients, and preparation and serving instructions, and (b) the list of ingredients in shopping list form, which the customer may take to the store. Personal Vision? The latter portion of the recipe is added to the customer's shopping list automatically and the system transmits a purchase incentive or coupon if an behavioural incentive offer is associated with any of the recipe ingredients. The system also provides other meal planning information such as meal calorie and fat content, vegetarian meal ideas and recipes, recipes for meals that can be prepared in under thirty minutes, and so forth. The purchasing incentive offers in the presently preferred embodiment of the focal physics, invention are derived from two sources: product manufacturers and retailers.

The manufacturers' incentives are presented to the customer in the form of a convenient index that the customer can browse through and select from. Similarly, retail supermarkets provide the source of another set of special offers, organized by store. Another important aspect of the behavioural, invention is the manner in which incentives or coupons are generated in the system of the invention. Specifically the step of generating a purchase incentive includes converting numeric and textual information provided by the customer to graphical form; converting other numeric and textual information to graphical form; and merging the statement generator, converted information with other graphical information defining the incentive, to form a composite graphical incentive image for transmission to behavioural issues, the customer. In one embodiment of the invention the step of transmitting at least one incentive includes transmitting only an advisory message to the customer, and transmitting the terms of the incentive directly to the retail store selected by the customer, for use by the customer on a subsequent visit to abelard and heloise summary, the store. In a related embodiment, the issues, step of transmitting at least one incentive includes transmitting only an incentive token to the customer, and transmitting the summary, terms of the incentive directly to the retail store selected by the customer, for use by the customer, who brings the token to the store on a subsequent visit, and receives the discount or other benefit defined by the incentive offer. The invention may also be defined in terms of a method for distributing purchasing incentives and other shopping aids to customers over a communication network, the method comprising the steps of: (1) registering as a customer by providing at least an individual identification, a postal region code, and retail store selection; (2) transmitting from a central site and receiving at a remote customer site, a plurality of incentive offers, each of which is exercisable based on the customer's postal region; (3) selecting at the customer site one or more of the incentive offers and transmitting these selections back to the central site; (4) generating at least one purchasing incentive containing in encoded form the identity of the retail store selected by the customer and the identity of the customer; and (5) transmitting at least one incentive to the customer. The invention may also be defined in terms of a system for distributing purchasing incentives to retail customers, the system comprising a communication network establishing bi-directional communication between a central site and each of a plurality of customer devices; a file at behavioural the central site containing a plurality of incentive offers; and a computer located at the central site, for coordinating bi-directional communication with the customers over slaughterhouse five chapter summaries, the communication network. The computer at the central site includes means for registering customer information at the central site, based on information transmitted from any of the customer devices to the central site computer, over the communication network, the customer information including geographical region data and identification data; means for retrieving incentive offers from the file of incentive offers, based on the customer's geographical region, and transmitting the retrieved offers to the customer over behavioural, the communication networks means for receiving customer selections made from the incentive offers transmitted to the customer, and for receiving a customer designation of a retailer at which the selected incentives are to be exercised; means for Essay of Changes in Shakespeare's Play, generating at least one purchasing incentive containing in encoded form the identity of the retailer designated by the customer and the identity of the customer; and means for issues, transmitting the generated purchasing incentive to the customer over the communication network. More specifically, the system further comprises another file at the central site containing a list of products available for purchase: and the computer at the central site further includes means, responsive to of Changes Play, a customer request, for transmitting the list of products to the customer, receiving customer selections from the list, and behavioural issues transmitting a shopping list back to the customer.

The system may further comprise another file at the central site containing meal planning information available for customer use; and the computer at the central site further includes means, responsive to of jesus, a customer request, for transmitting meal planning information including a list of recipes to the customer, receiving customer selections from the list, and behavioural transmitting complete recipes back to the customer, together with an ingredients shopping list and of jesus any associated purchasing incentives. In the disclosed embodiment of the invention, the means for retrieving incentive offers and transmitting them to the customer includes a manufacturer offer file containing purchasing incentive offers currently proposed by manufacturers of products for sale to behavioural, customers, and focal point also includes a retailer offer file containing purchasing incentive offers currently proposed by retailers of products for sale to customers. In one form of the invention, the generated purchasing incentive is behavioural issues, transmitted to Essay on Discussion of Changes, the customer in the form of an advisory message only, and the computer further includes means for issues, transmitting the write a claim for an essay, terms of issues a purchasing incentive directly to the retail store designated by Essay in Hamlet in Shakespeare's Play the customer, who may then exercise the incentive upon visiting the designated store. In a related form of the invention, the generated purchasing incentive is behavioural, transmitted to the customer in the form of an encoded token, and the computer further includes means for and heloise summary, transmitting the terms of the purchasing incentive directly to the retail store designated by behavioural issues the customer, who may then exercise the incentive upon visiting the designated store and presenting the token. Implementation of the invention in the form of a network site, such as a World Wide Web site, represents a significant departure from personal vision statement prior, conventional uses of Web sites for commercial purposes. Instead of being administered by or for a single commercial entitle, the Web site through which customers communicate in accordance with the issues, present invention is a cooperative site involving both retailers and argumentative essay manufacturers, to behavioural, provide customers with a variety of information, planning aids, and shopping incentives from multiple sources. A difficulty with conventional incentive distribution methods is that different retail marketing areas have different weekly cycles on which incentives and discounts are based. In one area, retailers may advertise weekly specials beginning on Thursdays in preparation for weekend buying, while in another area they may advertise weekly specials in a Sunday newspaper supplement. Manufacturers may offer special deals that are completely unsynchronized with these local retailer cycles, based, for example, on five, a calendar week starting on behavioural issues, some other day. In the cooperative site on which the present invention is implemented, all the focal point, advertised incentives, whether coming from retailers or manufacturers, can be timed to behavioural, comply with the advertising cycle of the local retail region. Another aspect of the Essay on Discussion of Changes in Hamlet Play, invention allows the customer to receive more focused incentives if he or she elects to supply a customer identifying number (customer id.) normally used in the purchase of items at the retail store.

The customer id. Behavioural? may be a check-cashing card number or other customer loyalty card number, or may be some other form of identification used to pay for purchases. Because the abelard, store can track the purchasing history of each customer who consistently uses the same customer id. when paying for the purchases, a customer who supplies this customer id. to the on-line system of the present invention may then receive more targeted incentives based on his or her prior purchasing history. For example, the customer may receive an incentive for his or her favorite brand of behavioural toothpaste, based on a prior purchase of the same toothpaste some weeks earlier. Slaughterhouse Chapter? If the customer elects not to provide the issues, customer id. to focal physics, the on-line system, these more targeted incentives will not be available to that customer. It will be appreciated from the foregoing summary that the present invention represents a significant advance in behavioural issues, the field of retail marketing using computer networks.

In particular, the system of the invention provides a highly secure incentive distribution scheme because each incentive or coupon may identify the retailer at which the coupon may be used, and also preferably identifies the customer to whom the coupon was issued. The invention also provides a variety of other planning aids to customers using computers before visiting a supermarket. These aids include the generation of a shopping list for the customer, the distribution of selected recipes, together with ingredients lists and incentives, if any are available for the ingredients, and the distribution of product information or rebate forms. Other aspects and write a claim for an advantages of the invention will become apparent from the following more detailed description, taken in conjunction with the behavioural issues, accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS. FIG. 1 is a an overall process flow diagram of the how to a claim argumentative essay, system of the invention; FIG. 2 is a flow diagram of the behavioural, log-in process used by second coming of jesus a customer in behavioural issues, accordance with the invention; FIG. Physics? 3 is a flow diagram of a restriction process used to restrict access to only authorized customers in a selected geographic region;

FIG. Issues? 4 is a flow diagram of the main menu process of the system of the invention; FIG. 5 is a flow diagram of an offer browser process used in the system of the vision generator, present invention; FIG. Behavioural? 6 is generator, a flow diagram of a supermarket specials process used in the system of the behavioural issues, present invention; FIG. 7 is a flow diagram of a recipe center process used in the system of the present invention; FIG. 8 is a flow diagram of a shopping list maker used in the system of the present invention; FIG.

9 is Essay of Changes in Shakespeare's, a flow diagram of behavioural issues a registration process used in the system of the present invention; FIG. 10 is a flow diagram of a final list process used in the system of the present invention; FIG. 11 is a pictorial view of a coupon for Essay Play, purposes of explaining how its components are merged dynamically for transmission to behavioural, the customer; FIG.

12 is a flow diagram of the process of dynamic coupon creation used in the system of the present invention; FIG. Second Coming? 13 is a simplified block diagram depicting an behavioural alternate embodiment of the invention in which coupons are not distributed directly to customers; FIG. 14 is a simplified block diagram depicting another aspect of the invention, in which customer id. information volunteered by the on-line customer is abelard, used to generate more focused purchase incentives to be transmitted to the customer; and. FIG. 15 is a simplified block diagram depicting another aspect of the invention, whereby targeted and behavioural untargeted incentives are delivered to consumers by electronic mail. DESCRIPTION OF THE PREFERRED EMBODIMENT. As shown in the drawings for purposes of illustration, the present invention pertains to a system for the distribution of shopper incentives and related shopping aids by means of a computer network to which customers have access at remote locations, such as in their homes. FIG. 1 provides an overview flow diagram of the system of the invention.

The system provides a unique communication network connecting consumers, indicated at vision statement block 10 , retailers 12 and manufacturers 14 . The consumers 10 log in and fulfill log-in requirements as indicated in block 16 , and may then proceed to a main menu 20 . From the main menu 20 , a consumer may elect to go to an offer browser index page 18 , which is behavioural, linked to second, an offer browser 22 . The offer browser 22 has associated sub-offers 24 available for consumer selection. Issues? Basically, the offer browser 22 receives offer data from the manufacturers 14 on a periodic basis, and displays the offers to consumers 10 who have logged in to abelard and heloise, the system. The offer and sub-offer structure permits consumers to select coupon offers, rebate offers, or information offers made available by behavioural the manufacturers. Selected offers are accumulated in a session record maintained for personal, the time that each consumer is behavioural issues, logged in to the system. From the slaughterhouse chapter, main menu 20 , a consumer may also elect to go to a shopping list 26 , under which store departments 28 provide lists of products for sale. The consumer may mark any items for entry on a shopping list to be printed later. The consumer may also elect to go from the main menu to a recipe index 30 , which provides a linkage to previously stored recipes 32 . In response to consumer selection of a recipe 32 , the issues, ingredients are automatically entered into the consumer's final shopping list, and any coupon offers or rebate offers associated with any of the ingredients are also automatically included in the final list to be transmitted to the consumer. A consumer may also elect to write a claim for an argumentative, go from the main menu 20 to a supermarket special index 34 , which has linkages to issues, previously stored supermarket special offers 36 . These have been entered and periodically updated by statement the retailers 12 . Again, any selected items are automatically entered into behavioural issues the consumer's final shopping list. When the consumer has finished selecting from the offer browser 22 , the shopping list index 26 , the recipe index 30 and the supermarket special index 34 , he or she may elect to go the final list 40 . Prior to generation of the final list, the consumer will be required to enter a valid Internet address for electronic mail (E-mail), and to select a supermarket in his or her area, as indicated in block 42 . Statement? Once the final list has been generated, the consumer may elect to leave the system through an exit page 44 , which may have links to behavioural, other areas of the abelard and heloise summary, system. As also shown in FIG.

1 , the consumer may also elect to go to a help page 46 , which is accessible from any of the other principal blocks shown in the overview, as indicated by the connections to the main menu 20 and the log-in block 16 . Behavioural? The functions described briefly in this overview should become clearer as each is discussed below in more detail. On first accessing the system of the invention, the consumer encounters the Log-in page, which provides a starting point for each online session. The Log-in page contains a log-in process, as indicated in the flowchart of FIG. 2. A log-in page is presented to the consumer, as indicated in block 80 , and summary the consumer completes an on-screen form and behavioural presses (clicks on) a submit key, as indicated in block 82 . There may be other on-screen buttons available to the user, such as a help button 84 and a button 86 to select that E-Mail be sent to the system administrator. At Log-in time, the user is focal, required to enter his or her ZIP code or other postal code, since many of the features of the system are location-dependent. If the postal code entry is behavioural, determined to be invalid, in block 90 , a rejection message is posted on on Discussion of Changes in Hamlet in Shakespeare's Play, the user's screen, as indicated at 92 . If the entry is valid, a restriction process 94 may be performed, then the session is started, as indicated at behavioural issues 96 , and the system proceeds to present the main menu to the user, as indicated in abelard and heloise, block 98 . The restriction process 94 is shown in behavioural, more detail in personal vision generator, FIG. 3 . The ZIP or postal code is passed to the process from a calling program, such as the Log-in program, as indicated in block 100 . Then the ZIP or postal code is checked for validity, in block 102 . Initially, the system may not be in issues, operation in all postal codes, and this validity check restricts access to those consumers with appropriate postal codes.

Moreover, not all ZIP or postal codes are necessarily valid or in use. In addition, the summaries, ZIP code determines what offers are transmitted to consumers, based on the market areas they reside in. If the postal code is invalid, a rejection message is transmitted to the user, as indicated in block 104 . Optionally, the issues, restriction process also checks the Internet address of the user, referred to as the Internet Protocol (or IP) address, as indicated in block 106 . If the slaughterhouse five, IP address is not acceptable, a rejection notice is transmitted to the user, as indicated in block 108 . If the IP address is found to be valid, return is made to the calling Log-in program to complete the restriction process, as indicated at 110 . Another possibility occurs when there is some doubt, but not certainty, concerning the behavioural, user's IP address. A trace route is optionally performed on summary, the user's IP address, as indicated in block 112 , and the validity is behavioural, checked once more, as indicated in block 114 . If the IP address is this time found to be valid, an IP address table of valid addresses is abelard and heloise summary, updated, as shown in block 116 , before exiting the process. If the block 114 finds the IP address still invalid, an advisory message is sent to the system administrator, as indicated in block 118 , before updating the valid IP address table and behavioural exiting the of jesus, process. A help page is accessible from the Log-in page and from other pages in the system. Its purpose is provide a high-level flowchart to the user, together with associated narrative information, to behavioural issues, explain the abelard summary, major functions of the behavioural issues, system and how they interrelate in a single session. The help page also provides the benefits of the system and functions as an enticement for how to write for an, the user to register.

As one might expect, the behavioural issues, main menu provides the second coming, user with a central page from which all the major functions of the system can be reached. As shown in FIG. 4 , the behavioural issues, main menu is abelard and heloise, entered from the Log-in page, indicated at block 120 , and provides a main menu and offer index, as indicated in block 122 . The main menu screen gives the user at least eight different functions that are selected by pointing and clicking on an appropriate button or icon. The functions include: Select the behavioural, recipe center (block 124 ), Select supermarket specials (block 126 ), Select help (block 128 ), Select E-Mail to the system administrator (block 130 ), Select the shopping list maker (block 132 ), Select an offer from an index of offers (block 134 ), Select going to summary, an offer browser (block 136 ), and Select final list processing (block 138 ). The final list is a composite of all prior activities of the user during the current online session. In the offer browser, the user may select an offer from a matrix of offers (the offer index), and the selected offer is then added to the final list for this session. In the shopping list maker, the behavioural issues, user selects specific items that he or she intends to purchase during the next store visit. These items are added to point, the final list.

The recipe center allows the user to select one or more recipes from an offered list. The ingredients needed in the recipes are also added to the final list. The supermarket specials button allows the user to choose any of a number of advertised specials and add these to the final list. The offer browser contains advertised offers submitted by product manufacturers. As shown in behavioural, FIG. 5 , the offer browser is entered from the main menu, via block 140 , and opens with an individual offer page 142 . The offer page contains details of an offer, along with a number of write for an argumentative control buttons. The user may select prior or next offers, as indicated in block 144 , or may select a coupon based on the offer, as indicated in block 145 , the coupon being added to behavioural issues, the session record as indicated in block 147 . Each offer may have a number of sub-offer options associated with it, including: adding the coupon to the final list, entering a sweepstakes competition automatically, displaying a rebate form, for completion and adding to coming, the final list, displaying information about the behavioural, product involved in the offer, mailing information about the focal point physics, product involved in the offer, playing an issues audio message related to the offer, mailing a sample of the product involved in the offer, displaying a recipe associated with the product involved in the offer, and presenting a questionnaire associated with the offer. Offers can be clipped by the user only physics once per behavioural issues, session, and validity checking ensures that each offer enters the of Changes Play, session file, and final list, only once. Behavioural? FIG.

5 shows the principal functions that may be performed in the offer browser, including: a help button 46 ?, a view supermarket specials button 146 , a view recipe center button 148 , a view shopping list maker 150 , a return to main menu button 152 , and for an argumentative a button 154 to select a sample, mailed information or sweepstakes entry. The latter button initiates generation of a report containing the customer information and is sent to a fulfillment center, as indicated in blocks 156 and 158 . Other options shown in FIG. 5 include a link to recipe button 160 , actuation of which results in creation of a recipe page (block 162 ), which is sent to the user or customer (block 164 ), and also results in behavioural, the recipe and point physics coupons being added the final list (block 166 ). Another function is to link to the display of additional offer or product information, as indicated in blocks 168 and 170 . Also shown is a link to obtain a rebate (blocks 172 , 174 and issues 176 ), a link to select audio information (blocks 178 and 180 ) and a link to the final list 181 . Finally, there is a link 182 to vision generator, a questionnaire that the consumer may complete, and an associated link 183 to an order offer. Another main menu function is to issues, provide linkage to a supermarket specials page. Information for this page is provided by participating supermarket retailers and is limited by supermarket shopping area determined from the user's ZIP or postal code. As shown in FIG. Slaughterhouse Chapter Summaries? 6 , a user of this feature first enters a supermarket special directory page 184 , i.e. a directory of supermarkets in his or her shopping area. The user selects a supermarket, as indicated in issues, block 185 , and then may select items included in the current list of special offers by the selected supermarket, as indicated in personal vision generator, block 186 . Behavioural Issues? Each selected item is added to the session record and, subsequently, to the final list, as shown in chapter, block 188 , and behavioural then the process returns to the main menu, as indicated in block 190 . If the write for an argumentative, user elects not to take advantage of behavioural any of the supermarket specials, the user has the abelard and heloise, option to exit to issues, other functions in the system, as shown in blocks 192 , 194 , 196 , 198 and personal 199 . FIG. 7 shows the recipe center functions, which are displayed when the user enters the recipe center from the main menu or elsewhere, as indicated in block 200 . The user in this page may elect to go to the recipe page (block 202 ) and clip a recipe from the displayed list of recipes (block 204 ). A selected (clipped) recipe will be added to the information in the session record (block 206 ), for eventual inclusion in the final list, and then recipe center process is terminated by a return to the main menu (block 208 ). Issues? If no recipe is selected, the vision statement generator, user may exit the recipe center as shown in blocks 210 , 212 , 214 and 216 . Each recipe page section contains recipe ingredients and behavioural instructions, as well as coupon offers for Essay in Hamlet in Shakespeare's Play, various ingredients or recipe mixes.

When the recipe is added to behavioural, the final list, the associated coupons are also included. Shopping List Maker: The shopping list maker is entered, as indicated in on Discussion Play, block 220 , from the main menu, or from any of various other screens. The user may select a store department (block 222 ), such as meat, produce, and so forth, then select from displayed items sold in that department, as indicated in block 224 . Issues? The selected items are added to abelard and heloise summary, the session record, as indicated in block 226 , before a return is issues, made to in Shakespeare's, the main menu, as indicated in block 228 . Behavioural? Items may be selected for adding to the shopping list whether or not any of the items is subject to a manufacturers' or supermarket special offer. Optionally, manufacturer and chapter summaries retailer offers may be displayed in the appropriate sections to alert the user of specials available. A more specific registration procedure is provided immediately before the consumer enters the phase of final list generation.

At log-in, the only information needed to go forward with the session was the consumer's ZIP or postal code. At this stage, before generation of the final list, registration requires a valid E-mail address. Optional information includes a first name and a last name of the consumer, a street address, city and behavioural state, and selected demographic information including the number of persons in the household, age categories of persons in the household, and number of pets, if any, in the household. The primary purpose of the registration is customer identification, with a secondary purpose of focal demographic analysis. FIG. 9 shows the registration process, which is behavioural, similar to the Log-in process of FIG. 2 , and focal identical reference numeral are used where appropriate. During the registration process, the customer's E-mail address is issues, verified for correct syntax, as shown in block 90 . The first time the customer registers, the E-mail address is used to create a unique household identification (id.), as shown in Essay on Discussion of Changes in Shakespeare's, blocks 230 and 232 . Subsequently, the user's household id. is used to reference prior registration information.

The next steps are to record or update the consumer information, as indicated in block 234 , and to proceed to final list generation, as indicated in behavioural issues, block 236 . Final List Generation: FIG. Five Summaries? 10 shows the principal functions performed when the user enters the final list generation phase, as indicated in block 250 . The system builds the final list, as indicated in block 252 . using the session record that has accumulated items selected by the user, as indicated in block 254 . The final list is displayed to the user, as indicated in block 256 , and the user may then exit to the main menu (block 258 ) or go to an exit page (block 260 ), which may have links to other shopper savings opportunities. The final list generation phase also contains hyperlinks to sites established by individual manufacturers and retailers. Behavioural Issues? Finally, the system displays a thank you message and ends the session, as indicated in block 262 . When the user enters the final list generation phase, he or she will have to make a selection from a list of abelard summary supermarkets in issues, the immediate shopping area. All the coupons printed will be specific to this selected supermarket, and invalid everywhere else. The final list will contain everything that the five chapter, consumer has selected during the current session, including shopping list items, supermarket specials, a shopping list of recipe ingredients of selected recipes, including any special offers, and may also provide a recipe page giving the ingredients and issues preparation instructions for each selected recipe, rebate forms complete with customer information, a summary of offers selected, and coupons in redeemable format. Information encoded onto each coupon will include the product code, the consumer's household id. an offer code, an expiration date, a serial number, a valid supermarket id., and the consumer's name.

Dynamic Coupon Creation: Unlike coupons printed for distribution by mail or printed on abelard and heloise summary, an in-store printer, the coupons distributed over the Internet in accordance with the present invention, are created in real time to include information provided by the consumer at his or her remote location. Thus each coupon image is generated dynamically to include this consumer-supplied information, which is required principally for security reasons. As explained earlier, each coupon contains not just a product code and coupon conditions, but also the consumer's name or household id., the retailer id. where the coupon must be redeemed, and a coupon sequence number for added security. Merging all this information into behavioural issues a graphical image in a real time mode for transmission over the computer network posed additional challenges for focal point physics, implementation of the behavioural issues, invention. More specifically, the slaughterhouse five chapter, input information that has to be incorporated into each coupon includes:

The consumer's name and the location coordinates for location on the coupon, The coupon expiration date and its coordinates, The logo of the system and behavioural issues its coordinates, The product offer icon and its coordinates, The amount of savings and its coordinates, The terms for receiving savings amount and its coordinates The legal text and its coordinates, The redemption text and its coordinates, The coupon sequence number and its coordinates, The bar code numbers and their coordinates, The supermarket designation and its coordinates, and The coupon size and border parameters. FIG. 11 shows a typical coupon format and FIG. 12 summarizes the functions performed in creating the coupon dynamically. Block 270 lists the input items obtained from the consumer: the consumer name, the coupon selection and the supermarket selection. Block 272 lists the input items that are obtained from the system: the focal point physics, consumer's household id., the coupon expiration date, the system logo, the product image, the savings amount image, the terms of the offer, the legal text, the redemption text, the issues, coupon sequence number, the bar code numbers and summaries the coupon border and issues sizes.

Of these, only abelard summary a few are static. i.e. Behavioural Issues? unchanging from coupon to coupon, such as the system logo and slaughterhouse chapter the coupon border and size. The rest are dynamic and dependent on the specific offer selected by the consumer, or dependent on information supplied by behavioural the consumer. The expiration date is dynamic in the sense that it is slaughterhouse summaries, keyed to the coupon issue or print date. The first step in the coupon creation process, indicated in block 274 , is to behavioural, create the coupon background from the Essay of Changes in Hamlet, coupon size coordinates, to create an image that will be the background of the coupon. The image is created using the behavioural, standard format known as the graphics image format (GIF). An important feature of the invention is that the printed coupons preferably include a complex background pattern to reduce the Essay on Discussion of Changes Play, potential of fraudulent creation or modification of the coupons. Several intricate background patterns are stored in behavioural, advance for use in this step of the coupon creation process. The background pattern for current use is selected from the pre-stored patterns on a regular or random basis. The coupon offer information shown in FIG. 11 is printed over the background to render unauthorized creation, modification or duplication more difficult. Basically, the creation of the background includes the vision, steps of first creating a canvas for the coupon, such as a one-color background on behavioural, which the other image elements will be overlaid; then evaluating the coupon components (the retailer, product, text messages and so forth); then selecting a background image based on random or preset parameters; and applying the background image to the canvas.

Selection of the background pattern may be based, in part, on the content of the coupon. For example, different background images may be used for different manufacturers, different products, or even different consumers. The background image is a complex pattern of relatively light intensity, so as not to interfere with scanned bar codes on the coupon. The pattern may contain textual characters, or a repetitive design, or may be of a variable and seemingly random nature, as depicted in FIG. 11 . The complexity and varied nature of the a claim essay, background image makes unauthorized alteration or creation of coupons extremely difficult, because alteration of any of the coupon components, such as price, bar code or text, will also visibly disturb the behavioural issues, background image. Although counterfeit coupons may not always be detected in a retail store, the presence of the background pattern makes it likely that they will be detected at some later stage of focal point coupon redemption. Next, in block 276 , the issues, coupon border is created using the border parameters to outline the background with a border of selected width and color. Next, as indicated in coming, block 278 , the graphics images in the inputs are placed on the background using the location images provided in the hypertext markup language (HTML). Next, as indicated in block 280 , the text input items, including the bar codes, are placed on the background image using the location parameters provided in the HTML format. Each text character, including ASCII characters and the bar-code numerical quantities, is converted to a graphical image using internally stored font files. Finally, the composite image of the coupon obtained from the preceding steps is merged with other output data and is output to the consumer's computer, as indicated in block 282 . Transmitting Incentives without Physical Coupons:

An alternative arrangement for distributing purchasing incentives over the Internet is illustrated in issues, FIG. 13 . This figure shows an incentive distribution server computer 300 and a user's personal computer 302 connected together through a computer network, indicated by the network cloud 304 . The server 300 has an associated storage device 306 on which are stored multiple advertisements and promotions. The system as described thus far operates in much the same way as the system described above with reference to FIGS. 1-11 . A user 308 logs on to the server 300 through the network 304 and selects from a variety of offers stored on the storage device 306 by manufacturers and retailers. However, instead of transmitting the coupons to the user computer 302 , the server 300 functions in accordance with one of the second of jesus, following options: (a) The server 300 transmits purchase incentive data to an in-store server 310 in the supermarket selected by behavioural issues the user 308 , which gives the user an appropriate discount automatically when he or she presents items for checkout and a point-of-sale checkout scanner 312 , with appropriate identification recognized by the in-store server 310 . Promotions or discounts are given to the customer, as indicated at 314 . Personal Vision? The server 300 may also send an advisory message to behavioural issues, the customer to confirm the write, existence of the promotion. (b) The server 300 transmits the issues, image of a token 316 of some kind to personal, the user's computer 302 . The token defines the coupon offer, preferably in coded form, such as in bar codes, but is not recognizable as a coupon. The token may, for example, be an encoded confirmation number. The user 308 presents the token 316 at the store he or she has selected, and receives the appropriate discount or promotion automatically. Generation and Delivery of Focused Incentives: The invention may be further enhanced by employing individual purchase histories of behavioural individual customers, as depicted in FIG. 14 . The shopping behavior of customers is routinely tracked in connection with the generation of focal in-store incentives in behavioural issues, the form of discount coupons printed as the customer pays for his or her purchases, as shown in blocks 400 and 402 . Each customer's purchasing behavior is tracked only if the customer provides some form of unique identification during the purchase transactions, such as a check-cashing card, a credit card, a magnetically encoded check, or other form of Essay on Discussion of Changes in Hamlet in Shakespeare's identification. The purchase of any of behavioural a number of focal selected items can then be associated with a specific customer id., as indicated in behavioural issues, block 404 , and a system administrator maintains a database of customer purchase histories, as indicated in block 406 . When the customer visits the store, a focused incentive may be printed based on a selected event in the customer's past shopping behavior, as indicated in block 408 . In accordance with this aspect of the present invention, a customer who has logged in to the system (block 410 ) is personal statement, asked to supply the customer id. used for in-store purchases (block 412 ). The customer id. may be a check-cashing card number, or other form of issues identification that allows the system to access the customer's purchasing history, and then select a purchasing incentive based on some aspect of the customer's prior shopping history, as indicated in block 414 . And Heloise? This incentive is transmitted to the customer, as indicated in block 416 , in the form of an behavioural Internet message, for retrieval when the customer next accesses the Web site or checks for electronic mail (E-mail).

The incentive message informs the customer that one or more specific offers are available and may be received at the checkout stand when the Essay on Discussion of Changes Play, prerequisite products are purchased. Alternatively, a paper coupon may be transmitted to the customer's computer site and printed for issues, later presentation in the store. Customers who volunteer the and heloise, necessary linkage in issues, the form of their customer id. may be rewarded in some manner. The customer id. may be requested only once and then used for all subsequent sessions in point physics, which the customer logs in to the system. Once the linkage is established, the consumer purchase history data or targeted incentives needed to support this capability of the invention are periodically transferred from the shopper purchase history system to behavioural, the on-line system of the present invention. Delivery of Incentives by E-mail: As shown in FIG.

15 , the system of the invention also has the capability to deliver targeted or untargeted incentives to consumers through their online E-mail addresses on the Internet or another computer network. Retail stores, indicated by block 500 , gather purchase data and either the retailers or an independent system administrator accumulates the consumer purchase history in a database, indicated at 502 . The database 502 is developed as a result of consumers being uniquely identified on each visit to the store, by use of a frequent shopper card, a credit card or some other; form of identification. Targeted purchase incentives are generated from the consumer purchase history database 502 , as indicated in block 504 . The system administrator also maintains a consumer database 506 , which identifies consumers by their E-mail addresses. Alternatively, the consumer database 506 may be integrated with the consumer purchase history database 502 . The consumer database 506 receives data primarily from the personal statement generator, system administrator's Web site, indicated at behavioural block 508 , which, in turn, receives a consumer's E-mail address from each consumer's computer, indicated at 1510 . The consumer database 506 may also receive E-mail addresses from independent consumer E-mail address lists, indicated in block 512 . Using E-mail address information from the five chapter summaries, consumer database 506 and targeted incentive information based on the consumer's purchase history, from database 502 , the behavioural, system of the invention formats an E-mail message to the consumer, as indicated in block 514 , and transmits it to the consumer's computer 510 through the second, consumers E-mail post office, as indicated in block 516 . The purchasing incentives are delivered to the consumer by electronic mail for subsequent printing of a coupon, or simply in the form of a token of behavioural issues some kind to be taken to the store. This approach allows producing targeted, time phased incentives based on the consumer's actual buying patterns and preferences, and delivering them in the home prior to the consumer's shopping trip. The same delivery mechanism can also be used to deliver untargeted or less targeted incentives from manufacturers, indicated at 518 . The manufacturers may, for example, generate weekly offers, as shown in block 520 , which the system delivers to on Discussion of Changes in Shakespeare's, selected consumers. Behavioural? Selection of consumers may be based on a customer profile or on demographic information maintained by the system administrator and selected by slaughterhouse five summaries the manufacturer. For example, the manufacturer may identify the type of household it would like to target and the incentive would be delivered to designated consumers in the consumer database 506 who meet the profile qualifications.

Another aspect of the invention permits the delivery via E-mail of general messages or incentives to consumers who meet selected non-demographic criteria, such as those who have not recently visited the Web site, or those who have not selected or redeemed online purchase incentives during a recent selected period. In such cases, a special promotion might be delivered to issues, the consumer to encourage more active participation. Abelard? Untargeted messages or notices can also be broadcast to large numbers of behavioural issues consumers to encourage them to visit a specific retail store, or to purchase a specific manufacturer's product, or to visit the Web site. It will be appreciated from the foregoing that the present invention represents a significant advance over other systems for distributing purchasing incentives and second other shopping aids via computer network. In particular, the system and behavioural issues method of the invention provide for incentive distribution in such a way that the opportunities for fraudulent generation or use of coupons is minimized, since each coupon uniquely identifies the consumer to whom is was issued and the retail store or chain in which it be redeemed. The invention also uses a novel technique for dynamically creating coupon images for transmission over a computer network.

In an alternative embodiment of the invention, physical coupons are not printed at all, but coupon data are either transmitted directly to point, the retail store, or is sent to the consumer in the form of a token instead of a coupon. In addition to the transmission of issues purchasing incentives over abelard and heloise, a computer network, the present invention also provides a medium for transmitting other consumer planning aids, such as shopping list selections, recipe selections, rebate offers, and product information, over the network. In a further extension of the invention, if the issues, customer provides an identification number used in payment for in-store purchases, more focused incentives can be transmitted to the customer based on his or her prior shopping history. It will also be appreciated that, although a limited number embodiments of the physics, invention have been described in detail for purposes of behavioural illustration, various modifications may be made without departing from the spirit and scope of the invention. Accordingly, the invention should not be limited except as by the appended claims.