DESC:The present invention discloses that Point of sale (POS) computing devices are connected to a number of peripheral devices integrated into a common device that can enhance the retail experience for both the retailer and the customer. A non-limiting eexample of such POS peripheral devices include, for instance, cash drawers, keyboards, displays, card readers, receipt printers, QR/Bar code scanners, Unified Payment Interface (UPI) systems, scales, etc. The present invention makes it possible for the peripheral devices to be controlled (e.g., enabling/disabling functions) via the POS computing device.

It will be known to a person having ordinary skill in the art that POS peripheral devices can have the capability to operate in a number of operating modes. For example, a receipt printer can be programmed to operate in a communication (COM) mode, human interface device (HID) mode, composite mode, printer class mode, or native mode, while a scanner can be programmed to operate in COM mode, HID mode, composite mode, or keyboard mode.

Referring to Fig. 1, the present invention is directed to a POS computing system (100) that enables a user to perform a financial transaction to purchase a good/service from a retailer. The POS computing system (100) includes a POS computing device (102) that is adapted to communicate with a handheld computing device, such as a tablet PC, a mobile phone or a notebook computer, of the user. The POS computing device (102) is coupled to a plurality of peripheral devices (103) for performing peripheral input output functions to effectuate the financial transaction. In an embodiment of the present invention, the peripheral devices may include a display device, a printing device, a magnetic card reader and an electronic transaction enabler, such as a QR code generator. The POS computing device (102) is adapted to apply an operating mode to such peripheral devices. In particular, the POS computing device (102) may include a processing resource to detect aat least a peripheral device, access a configuration file based on the detected peripheral device, wherein the configuration file includes a plurality of operating modes associated with the detected peripheral device, and apply one of the plurality of operating modes to the detected peripheral device.

As shown in FIG. 1, the POS computing device (102) includes a power source 101 communicatively coupled to a holding unit 105. The holding unit 105 houses the entire integrated POS unit comprising of the POS computing device 102 and the peripheral POS units 103a-103n. The POS unit has input and output ports 107. In an exemplary embodiment of the present invention, such an integrated POS device is communicably coupled to a network, as known in exemplary embodiments, through a network interface.

The computing device 102 includes a memory unit for storing instructions for applying an operating mode to the POS computing device 102, communicatively coupled to a processing resource which may be a central processing unit (CPU), a semiconductor-based microprocessor, and/or other hardware devices suitable for retrieval and execution of instructions stored in the memory resource. In addition, the processing resource is able to retrieve and execute instructions. For instance, the processor may include an electronic circuit that may include electronic components for performing the functionality of executed instructions. In some examples, the processing resource may be a plurality of hardware processing units that may cause machine-readable instructions to be executed. The processing resource may include central processing units (CPUs) among other types of processing units. The memory resource may be any type of volatile or non-volatile memory or storage, such as random-access memory (RAM), flash memory, storage volumes, a hard disk, or a combination thereof.

Further, the memory may store instructions thereon, which when executed by the processing resource, causes the POS computing device 102 to perform specific tasks and/or functions. For example, the POS computing device 102 may be able to detect a peripheral device (e.g., a POS peripheral device 103a-103n). Further, in an embodiment of the present invention, the POS computing device 102 and the peripheral device can be associated with a POS system, where the POS system can comprise several POS devices which can enhance the retail experience for both the retailer and the purchaser. For instance, the POS system can comprise a number of devices utilized to accept payments, track sales, manage inventory, and keep track of customer data, among other POS functions.

The POS computing device 102 has a device screen and can use a basic input/output system (BIOS) initialization code to detect the peripheral POS device 103a-103n. The BIOS may be a firmware interface, such as a unified extensible firmware interface (UEFI). In some examples, a BIOS can power on a computing system and establish a connection via a universal serial bus power delivery (USB PD) controller. In some examples, the BIOS can detect the peripheral device and establish a connection, via the USB PD controller, between the POS computing device 102 and the POS peripheral device (103a-103n). In other instances, the POS computing device 102 communicates data and information with these peripheral devices 103a-103n using well-known communication protocol (e.g., TCP/IP over USB, RS232, USB, RS232 over USB, etc.). Further the POS computing device 102 has input / output ports which may include audio jacks, HDMI, USBs and the like.

The POS computing device 102 can detect the peripheral devices 103a-103n upon powering up of the apparatus 100 through the power source 101 by detecting a device classification and/or a device identification code of the peripheral devices 103a-103n. In such an example, upon start-up of the POS computing device 102, it may scan the device classification and/or a device identification code the POS device. Scanning the device classification and/or a device identification code of the POS device can include the BIOS communicating with a platform input/output (IO) (e.g., USB ports) to determine what device(s) is detected and performing a search of a USB device table (e.g., a SMBIOS table) to detect the peripheral device. This can allow for the computing device 102 to automatically detect that a POS device type is coupled to the computing device, as well as determine the device classification and/or type of the peripheral POS units 103a-103n (e.g., a keyboards, receipt printers, scanners, bar code scanners, displays, card readers, etc.) of the peripheral device.

Individual types of peripheral POS units 103a-103n correspond with a unique device classification and/or a device identification code. For instance, in a non-limiting way, such device classifications can include a POS printer device class, a scanner device class including a UPI device class and a line display device class, among others. For example, a receipt printer can correspond to a POS printer device class, while a barcode scanner can correspond to a scanner device class. Thus, if a receipt printer is connected to the POS computing device 102, the computing device may detect a peripheral POS device corresponding to the POS printer device class. In another example, if a barcode scanner is connected to the computing device, the computing device may detect a peripheral device corresponding to the scanner device class. Further, such device identification code can indicate the type of peripheral POS unit and/or the device classification of the peripheral POS unit. Thus, the computing device can detect that a peripheral device is coupled to the computing device, as well as determine the device classification and/or type of peripheral device by scanning the device identification code associated with the peripheral device.

In another embodiment of the present invention, the peripheral devices 103a-103n may be associated with a configuration file that provides the parameters and initial settings for an operating system. Thus, the POS computing device 102 can access the configuration file associated with the detected peripheral devices to easily identify and apply an operating mode associated with the detected peripheral POS devices 103a-103n. In an exemplary embodiment, the POS computing device 102 can identify one of the plurality of operating modes to apply to the detected peripheral devices.

In addition, the POS computing device 102 can control the computing state of the peripheral POS unit103a-103n based on the computing state of the POS computing device 102. Controlling the computing state of the peripheral devices 103a-103n may include at least one of enabling a function within a peripheral device class, disabling a function within the peripheral device class, hiding the peripheral devices 103a-103n, and unhiding the peripheral devices 103a-103n.

The POS computing device 102 is further communicably coupled to the data store 106 which represents a non-volatile storage, facilitating storage and retrieval of a collection of data by POS computing device 102. Data store 106 may maintain information such as details of payment transactions, transactions in suspended state and/or completed state, details of the customers, etc. besides having details of the user’s and retailer’s credentials. In one embodiment, data store 106 is implemented using relational database technologies where thedata is maintained in the form of databases containing tables and columns and provides storage and retrieval of data using structured queries such as SQL (Structured Query Language), as is well known in the relevant arts. Alternatively, data store 106 may be implemented as a file server and store data in the form of one or more files organized in the form of a hierarchy of directories, as is well known in the relevant arts.

FIG. 2 is a block diagram of the POS computing device 102 in accordance with one embodiment of the present invention. As shown, the POS computing device 102 comprises an interface module 201 which can be any interface from the peripheral devices or the network, a lead generation module 202, an audio and/or visual output module 203, a sensor module 204, a QR generator 205, a notification monitor 206. a processor module 207, an image processing module 208 and an advertisement repository module 209.

In an embodiment of the present invention, the interface module 201 facilitates the various peripheral devices 103a-103n to communicate with other systems (such as payment gateways) via network 104. The interface module 201 also facilitates the POS computing device 102 to send/receive various types of notifications such as push notifications and SMS notification received from other systems (such as payment gateways). The interface module 201 facilitates various components/blocks of the POS system 100 to communicate with data store 106. The interface module 201 can include a user interface, i.e., a user can interact with the interface module 201. Such user interface can provide (e.g., display) information to and/or receive information from (e.g., input by) the user by the audio/visual output module 203. For instance, as described herein (e.g., in connection with FIG. 2) the computing device 102 may display a plurality of operating modes associated with a detected peripheral devices 103a-n via the interface module 201 on the audio/visual output 203. The plurality of operating modes can be provided using a configuration file accesses by computing device. One of the plurality of operating modes can be selected via theinterface module through the audio/visual output 203 by the user. This can allow for the identified operating mode to be applied to the detected peripheral device.

In an exemplary embodiment of the present invention, a sensor module 204 in the computing device can detect the peripheral devices 103a-103n upon start-up of the computing device 102 by detecting a device classification and/or a device identification code of the peripheral devices 103a-103n. In another embodiment, the sensor module 204 can detect whether the peripheral device input is associated with a device classification, such as a POS printer device class, a scanner device class, a code generator, or a line display device class, based on the device identification code of the peripheral device. The data store 106 contains the necessary configuration files, which the sensor module 204 can access based on the detected peripheral device, wherein the configuration file includes a plurality of operating modes associated with the detected peripheral device 103a-103n.

In an exemplary embodiment of the present invention, the sensor module 204 determines that a payment transaction has been initiated for a customer, identifies the mode of payment initiated (whether via Debit/Credit cards, Biometric processing, UPI etc.) and suspends processing of the payment transaction in response to the determining. The sensor module 204 maintains the details of the suspended payment transaction in data store 106.

In an embodiment of this invention, for a UPI initiated transaction through the electronic transaction enabler peripheral device, the sensor module 204 sends the details of the payment transaction to QR generator module 205. The QR generator module 205 receives the details of the payment transaction such as a payment amount, an order/receipt ID, and an associated payment ID of the business (VPA), generates a QR code encoding the received payment details, and provides the generated QR code to processor module 207. The processor module 207, in turn, provides the generated QR code to the customer through the display device to enable the customer to scan the QR code and complete the payment transaction. It may be appreciated that the customer typically scans the QR code through his/her handheld computing device and makes a payment by communication the associated peripheral POS unit. Such communication may entail the customer using his/her handheld computing device to send requests to and receive corresponding responses from the corresponding payment gateway. Upon successful payment, the customer and the POS computing device receives a notification on his/her personal device indicating successful payment. Particularly, the POS computing device notification is enabled via the notification monitor module 206.

In an embodiment of the present invention, the notification monitor module 206 is designed to monitor the various notifications received by POS computing device 102 via the interface module 201. Upon intercepting/finding a notification indicating that the customer has made a successful payment, the notification monitor module 206 captures the information in the notification and sends the captured information to the processing module 207. Upon receiving the information from notification monitor module 206, the processing module 207 compares the received information in the notification with the details of each of a set of payment transactions in the suspended state (maintained in data store 106) to determine that the payment corresponds to the payment transaction.

The processing module 207 then resumes processing of the payment transaction in view of the identifying of the successful payment made by the customer. In an embodiment of the present invention, the resuming of processing may include one or more of printing a payment receipt for the payment transaction, sending the payment receipt to the customer (via SMS, email, push notification, etc.) thereby operationalizing the peripheral POS units and changing the payment transaction from the suspended state to a completed state.

In another exemplary embodiment of the present invention, the processing module 207 is communicably coupled to a lead generation module 202 which is able to place audio/visual intimations of relevant product/services through the audio/visual module 203. The lead generation module 202 envisages that any consumer is provided one or more audio intimation of relevant promotional content through the POS computing device 102, thereby reducing the customer acquisition costs as well as generating a potential sale lead for the merchant. The lead generation module coupled with the data store 106 is built on an artificial intelligence system which while considering at least one of the user’s credentials, retailer’s credentials, and the time and location credentials of the financial transaction carried out by the user, determines the types of products and services the consumer may be interested in and is highly likely to buy. For instance, if the consumer belongs to the middle-income group, the lead generation module 202 may ascertain various other parameters, not being limited to, such as age, gender, location, place of birth, social status, occupation, purchase history, insurance plans held by the consumer, and the like to suggest a term-insurance plan. Similarly, if the consumer is determined to be belonging to a lower-income group, he/she may be suggested some investment schemes. To serve this purpose, the present invention envisages that the data store 106 maintains a repository of a plurality of promotional information or content that could be provided to the user when he/she carries out a financial transaction. In addition, the present invention envisages that the user credentials could be further classified into sub-categories (also referred to as user sub-tags) identifying at least, but not limited to, the social, economic and demographic profile the consumer. In an embodiment of the present invention, the user’s credentials may include user sub-tags such as user’s name, age, gender, profession, income group, location, purchase pattern, lending exposure (such as the ongoing loans on the user), his/her financial status (which could be gathered from information such as number of vehicles owned houses owned, area of house, location of house, type of car etc.), insurance cover (such as the value of sum insured, types of insurance etc.), travel details and brand associations (such as preferred brands of products, value of branded products etc.). The information regarding the user’s credentials could be collected by the retailers (such as based on historical data of transactions done by the customer), voluntarily provided by users, or sourced from other third-party resources, such as financial institutions, social media platforms, data repositories and the like.

The present invention further envisages that each of the user sub-tags have a weight value associated therewith referred to as associated user sub-tag weightage. The associated user sub-tag weightage is pre-fixed to different value based on each type of promotional content. For instance, the associated user sub-tag weightage of the sub-tag pertaining to insurance cover may have a higher value, say 95, when a promotional content pertaining to an insurance product is being considered while when the promotional content pertains to a grocery product, the same sub-tag may be having associated user sub-tag weightage of 15 (or even lower). Thus, the POS computing system has pre-defined associated user sub-tag weightage for each user sub-tag for each of the promotional content that it has in its repository 106. The data store maintains a look-up table of the user sub-tags and their respective weights for each promotional content. Further, the lead generation module 202 is adapted to determine an associated user weighted score by aggregating the associated user sub-tag weightages for all sub-tags that may be relevant to a specific promotional content. It may be noted that for a specific promotional content, all user sib-tags may not be relevant and only few of the entire set of sub-tags may be considered for determination of the associated user weighted score. For instance, for a promotional content pertaining to grocery, the user sub-tags pertaining to insurance cover and lending exposure may not be relevant at all and hence may not be considered for the generation of the associated user weighted score. However, if the promotional content pertains to a vehicle, both of the user sub-tags pertaining to insurance cover and lending exposure may be relevant while the user sub-tag pertaining to travel details could be totally irrelevant. Likewise, different combinations of user sub-tags may be considered for each promotional content. In an embodiment of the present invention, the associated weighted score may be determined as a percentage depending on the number of sub-tags being considered.

Further, the present invention envisages that the retailer’s credentials may include retailer sub-tags defining the retailer’s name, age, gender, language preference, shop type, products/services sold, location, and historical transactions, in accordance with an embodiment of the present invention. There may be additional retailer sub-tags that define parameters that may be relevant to the profile of the retailer. Similar to the user’s credentials, the information pertaining to these sub-tags may be collected from different sources, including but not limited to third-party sources. The retailer may voluntarily provide such details as well when they are on-boarded to use the POS computing system 100. Furthermore, similar to the user sub-tags, each of the retailer sub-tags may have an associated retailer sub-tag weightage that is pre-defined in the system 100 in relation to each promotional information in the data store 106. Additionally, the lead generation module 202 is adapted to determine an associated retailer weighted score by aggregating the associated retailer sub-tag weightages for all retailer sub-tags that may be relevant to a specific promotional content. Yet again, it may be noted that for a specific promotional content, all retailer sub-tags may not be relevant and only few of the entire set of retailer sub-tags may be considered for determination of the associated retailer weighted score. On similar lines, the time credentials pertaining the financial transaction may include at least one timestamp sub-tag defining one of the time, date, month of the year and weather at the time of the financial transaction. This may be relevant, for instance, in case the user is a farmer. The system 100 could then identify that based on the current season/weather, the farmer may be provided a promotional content pertaining to a particular type of crop seed. Each of the timestamp sub-tags also has an associated timestamp sub-tag weightage that is predetermined in relation to each type of promotional content as in the case of the user and the retailer sub-tags. In addition, the lead generation module 202 is adapted to determine an associated timestamp weighted score by aggregating the associated timestamp sub-tag weightages for all timestamp sub-tags that may be relevant to a specific promotional content.

Finally, the location credentials pertaining to the financial transaction may include at least one location sub-tag defining one of the local language, regional temperature, economy, upcoming festival, regional crop, district, state and identifier code, each pertaining to the location of the financial transaction. It may be appreciated that such information also helps in determining the type of promotional content that may be provided to the user. For instance, a user living in a warm area like Chennai, may have little use for cold weather clothes and thus, a promotional content of woollen clothes is irrelevant for such a user. Similar to the description provided earlier each of the location sub-tags may have an associated location sub-tag weightage that is predetermined in relation to each type of promotional content. Additionally, the lead generation module generates an associated location weighted score by aggregating the associated location sub-tag weightage of one or more location sub-tags.

In view of the foregoing background, the working of the present invention will be explained to elaborate the steps that are undertaken to complete the financial transaction and identifying the relevant promotional content to be provided to the user.

FIG. 3 is a flow diagram illustrating a method 300 for enabling a financial transaction using the POS computing system 100. However, various features can be implemented in other systems and/or other environments also without departing from the scope of various aspects of the present invention, as will be apparent to one skilled in the relevant arts by reading the disclosure provided herein. In addition, some of the steps may be performed in a different sequence or in combination than that depicted below, as suited in the specific environment, as will be apparent to one skilled in the relevant arts. Many of such implementations are contemplated to be covered by several aspects of the present invention.

The method commences with a user initiating a financial transaction, say to make a purchase for selected good or services at step 305 of the method 300. In an exemplary embodiment of the present invention, the method involves the POS computing device 102 accessing the retailer’s profile and current purchase profile, specifically where the POS device 102 is being used for billing and the type of goods being purchased. The present invention also envisages that the image processing module 208 may detect the image captured by camera and using AI/ML detects the products in the image to ascertain the purchase details. The method at 310 involves the POS device 102 establishing contact with the peripheral devices 103a-103n and determining current configuration through generation and/or parsing of a configuration file. The POS computing device further determines the operation of the peripheral devices 103a-103n at 315. At step 320, the POS computing device 102 determines that a financial transaction has been initiated for a customer. The determination may be performed in response to the user entering the details of the financial transaction in a user interface provided by POS system. In step 325, POS computing device 102 suspends processing of the financial transaction in response to the determining and placing of the relevant audio/visual cues for the customer to additionally purchase advertised products/services. The term of suspension implies that the POS system does not perform any further actions associated with the suspended payment transaction. In an exemplary embodiment, multiple payment transactions may be placed in a suspended state. In step 330, relevant audio and/or visual cues are provided to the customer, pursuant to which the customer adds the relevant details to complete the financial transaction. In an exemplary embodiment of the present invention, in case of a transaction initiated through UPI, the POS computing device 102 generates a Quick Response (QR) code specific for the payment transaction, wherein the QR code encodes details of the payment transaction such as a payment amount, an order/receipt ID, and an associated payment ID of the business (VPA). The POS computing device 102 provides the QR code to the customer to enable the customer to scan the QR code and complete the payment transaction. The QR code may be displayed on a display unit associated with POS computing device 102. Alternatively, the QR code may be provided as a printed order ticket that can be scanned by the customer. In step 335, the POS computing device 102 identifies that a payment corresponding to the payment transaction has been made by the customer and pushes a notification on the user/customer device. The notification may be one of a Push Notification or short message service (SMS) notification.

The method further includes selection of at least one contextual promotional information from the plurality of promotional information that are stored in the data store 106, at step 340. The present invention envisages that each contextual promotional information has an associated threshold score that is determined based on at least one of the associated user weighted score, the associated retailer weighted score, the associated timestamp weighted score and the associated location weighted score, As already explained, for each promotional information, there may be several (bot not necessarily all) sub-tags from the user credentials, the retailer’s credentials, and the timestamp and location credentials that may be relevant. Each of the sub-tags has an associated weight and depending on the type of sub-tags to be considered for a specific promotional information, an aggregate weighted score is determined by the lead generation module 202. For instance, for an insurance related promotional information, only the user’s credentials, retailer’s credentials and timestamp credentials may be considered. Further, there will be specific sub-tags from each of the referred credentials which may have to be considered as per the pre-determined associated weighted score information stored in the data store 106. For instance, for the insurance product, only the user sub-tags pertaining to age, gender, profession, income group, location, lending exposure, financial status and insurance cover may be relevant. Similarly, from the retailer’s credentials, only the sub-tags pertaining to shop type, products/services sold and shop location may be relevant. Finally, from the timestamp credentials, only the sub-tag pertaining to the month of the year may be relevant. All these sub-tags will have pre-defined weight scores stored in the data store 106 for the insurance promotional information. As already explained, the present invention envisages that the lead generation module 202 determines the associated weighted scores for the relevant credentials for specific promotional information and aggregates the same to generate an aggregated weighted score. For the described example, the aggregated weighted score will be generated based on the aggregation of the associated user weighted score, the associated retailer weighted score and the associated timestamp weighted score. If the aggregated weighted score is equal to or greater than the associated threshold score for the promotional information, the lead generation module 202 determines that the said promotional information may be relevant for the user, and same is disseminated to the user. It will be evident that in the event the aggregated weighted score is less than the associated weighted score, the promotional information will be determined to be irrelevant for the user. There may be some promotional information that may consider only one of the credentials out of the user’s credentials, retailer’s credentials, and the time and location credentials of the financial transaction. In such a case, the aggregated weighted score is an aggregation of weighted scores of the relevant sub-tags thereof only.

The afore-said methodology ensures that the user is objectively provided with only the relevant promotional information, and any irrelevant promotions are not presented, thereby increasing the chances of conversion of the promotion into a sale. To ensure the accuracy in selection of relevant promotional information, however, a careful consideration needs to be made to identify the relevant credentials, sub-tags and associated weights thereof, which are then stored in the data store 106 as already explained.

In an embodiment of the present invention, the Advertisement Repository module 209 may locally store various promotional content in audio and/or visual format to help cut the lag time in completion of the financial transaction and presentation of the advertisement to the user. The module 209 periodically syncs with data store 106 for updates and plays the advertisements on output device which can be inbuilt speaker and or screen or external audio-visual devices connected on I/o ports basis configuration.

In an embodiment of the present invention, the advertisement can also start if the POS computing device 102 is being used for billing. Basis product scanned either through barcode, camera or services being dispensed on the POS application. E.g. if a Parle G product is scanned then an advertisement for ‘Sunfeast’ products can initiate on the user device instead of waiting for payment to get completed. In another exemplary embodiment, if a user is booking air / train ticket to Patna, a hotel ad can be triggered.

The foregoing description and drawings were given for illustrative purposes only, it being understood that the invention is not limited to the embodiments disclosed, but is intended to embrace any and all alternatives, equivalents, modifications, and rearrangements of elements falling within the scope of the invention as defined by the following claims.
,CLAIMS:1. A Point-of-Sale (POS) computing system (100) to enable a user to effectuate a financial transaction with a retailer comprising

a POS computing device (102) of the retailer adapted to communicate with a handheld computing device of the user, the POS computing device comprising:
a processor communicably connectable to the user’s handheld computing device to exchange electronic messages pertaining to the financial transaction,

a memory coupled to the processor,

a lead generation module (202) coupled to the processor to select at least one contextual promotional information from a plurality of promotional information based on at least one of the user’s credentials, retailer’s credentials, and the time and location credentials of the financial transaction, and

an audio video module to provide an indication pertaining to at least the status of the financial transaction and the selected contextual promotional information;

a plurality of peripheral devices (103) communicably coupled to the POS computing device for performing peripheral input-output functions to effectuate the financial transaction, wherein the plurality of peripheral devices comprises at least one of a display device, a printing device, a card reader, and an electronic transaction enabler; and

a data store (106) communicably coupled to the POS computing device to store at least the status of the financial transaction and the user’s credentials and the retailer’s credentials,

wherein each contextual promotional information of the plurality of promotional information has an associated threshold score and each of the user’s credentials, the retailer’s credentials and the timestamp and location credentials have an associated user weighted score, an associated retailer weighted score, an associated timestamp weighted score and an associated location weighted score, respectively, and

wherein the lead generation module generates an aggregate weighted score based on at least one of the associated user weighted score, the associated retailer weighted score, the associated timestamp weighted score and the associated location weighted score, and

wherein the contextual promotional information is selected when the aggregated weighted score is equal to or greater than the associated threshold weight of the contextual promotional information.

2. The POS computing system of claim 1, wherein the user’s credentials comprise at least one user sub-tag defining one of user’s name, age, gender, profession, income group, location, purchase pattern, lending exposure, financial status, insurance cover, travel details and brand associations.

3. The POS computing system of claim 2, wherein the at least one user sub-tag has an associated user sub-tag weightage associated.

4. The POS computing system of claim 3, wherein the lead generation module generates the associated user weighted score by aggregating the associated user sub-tag weightage of one or more user sub-tags.

5. The POS computing system of claim 1, wherein the retailer’s credentials comprise at least one retailer sub-tag defining one of the retailer’s name, age, gender, language preference, shop type, products/services sold, location, and historical transactions.

6. The POS computing system of claim 5, wherein the at least one retailer sub-tag has an associated retailer sub-tag weightage.

7. The POS computing system of claim 6, wherein the lead generation module generates the associated retailer weighted score by aggregating the associated retailer sub-tag weightage of one or more retailer sub-tags.

8. The POS computing system of claim 1, wherein the time credentials of the financial transaction comprise at least one timestamp sub-tag defining one of the time, date, month of the year and weather at the time of the financial transaction.

9. The POS computing system of claim 8, wherein the at least one timestamp sub-tag has an associated timestamp sub-tag weightage.

10. The POS computing system of claim 9, wherein the lead generation module generates the associated timestamp weighted score by aggregating the associated timestamp sub-tag weightage of one or more timestamp sub-tags.

11. The POS computing system of claim 1, wherein the location credentials comprise at least one location sub-tag defining one of the local language, regional temperature, economy, upcoming festival, regional crop, district, state, and identifier code of the location of the financial transaction.

12. The POS computing system of claim 11, wherein the at least one location sub-tag has an associated location sub-tag weightage.

13. The POS computing system of claim 12, wherein the lead generation module generates the associated location weighted score by aggregating the associated location sub-tag weightage of one or more location sub-tags.