Mobile coupon analysis systems and methods

• US 10,102,538 B2
• Filed: 08/04/2016
• Issued: 10/16/2018
• Est. Priority Date: 05/10/2010
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Pointer, Barry F., Morea, Dominic, Horsma, Bengt, Wuhrer, Christopher, Myers, Jerome, Ho, Michelangelo R., Owen, Sarah
• Primary Examiner(s): Hamilton, Matthew L
• Application Number:
  US15/228,784
• Publication Number:
  US 20160343015A1
• Time in Patent Office: 803 Days
• Field of Search: 705 14
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences

Abstract

Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.

Claims

1. A method comprising:

transmitting, by a merchant computer system, at least one electronic coupon for a plurality of consumers for purchases associated with a merchant, to a coupon aggregator computer system;

receiving, by a merchant point of sale terminal associated with the merchant computer system, data associated with a radio frequency identification (RFID) tag attached to a consumer'"'"'s mobile device, wherein the data contains an account identifier linked to a particular consumer, the particular consumer is enrolled in an electronic coupon program of a financial institution and a previously received electronic coupon on the consumer'"'"'s mobile device, an indicator forms a portion of the account identifier;

transmitting, by the merchant point of sale terminal associated with the merchant computer system, a settlement request for a purchase transaction associated with an account of the particular consumer to the financial institution computer system, wherein the settlement request comprises the indicator that indicates participation of the particular consumer in the electronic coupon program through a network;

in response to transmitting the settlement request, receiving, by the merchant point of sale terminal associated with the merchant computer system, confirmation of sufficient funds or credit line to fund the purchase transaction; and

receiving, by the merchant computer system, a notification of a debit associated with the electronic coupon corresponding to the purchase transaction, from the financial institution computer system.

2. The method of claim 1, wherein:

the account is credited with a monetary discount after the settlement request for the purchase transaction has been transmitted by the merchant.

3. The method of claim 1, wherein the coupon aggregator system is associated with the financial institution.