Merchant card exchange facilitator system
First Claim
Patent Images
1. A merchant card exchange facilitator system, comprising:
- one or more processors; and
at least one memory, the memory including instructions that, upon execution by at least one of the one or more processors, cause the system to;
receive one or more first electronic communications sent via one or more computer networks by a client computing device of a first user, wherein the received communications indicate a merchant card and card characteristics associated with the merchant card that include one or more card identifiers and a card balance, and wherein the card balance represents an amount of currency that is usable to purchase one or more products or services from a first merchant associated with the indicated merchant card;
validate, via one or more second electronic communications sent over the one or more computer networks, at least some of the indicated card characteristics, the validation of the at least some indicated card characteristics including verification of the card balance of the indicated merchant card;
based at least in part on the indicated card characteristics and on the validating, store card information for the indicated merchant card in association with the first user;
receive, via one or more third electronic communications sent over the one or more computer networks, a request from a second user to purchase the indicated merchant card from the first user, the request including an offer amount;
transmit, via one or more fourth electronic communications sent over the one or more computer networks and based at least in part on the request from the second user, an offer to purchase the indicated merchant card from the first user;
receive, via one or more fifth electronic communications sent over the one or more computer networks, an indication that the first user has authorized transfer of the indicated merchant card to the second user; and
based at least in part on the indicated authorization from the first user,display one or more indications on a client computing device of the second user that the indicated merchant card has been transferred to the second user, andassociate with the second user stored card information for the indicated merchant card, wherein the stored card information includes the verified card balance.
1 Assignment
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Accused Products
Abstract
Systems and methods are provided for managing authorization and device configuration to facilitate the usage, sale and transfer of merchant cards in various manners that enable one or more authorized users to store information representative of one or more of such merchant cards in a user-specific mobile electronic wallet.
8 Citations
20 Claims
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1. A merchant card exchange facilitator system, comprising:
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one or more processors; and at least one memory, the memory including instructions that, upon execution by at least one of the one or more processors, cause the system to; receive one or more first electronic communications sent via one or more computer networks by a client computing device of a first user, wherein the received communications indicate a merchant card and card characteristics associated with the merchant card that include one or more card identifiers and a card balance, and wherein the card balance represents an amount of currency that is usable to purchase one or more products or services from a first merchant associated with the indicated merchant card; validate, via one or more second electronic communications sent over the one or more computer networks, at least some of the indicated card characteristics, the validation of the at least some indicated card characteristics including verification of the card balance of the indicated merchant card; based at least in part on the indicated card characteristics and on the validating, store card information for the indicated merchant card in association with the first user; receive, via one or more third electronic communications sent over the one or more computer networks, a request from a second user to purchase the indicated merchant card from the first user, the request including an offer amount; transmit, via one or more fourth electronic communications sent over the one or more computer networks and based at least in part on the request from the second user, an offer to purchase the indicated merchant card from the first user; receive, via one or more fifth electronic communications sent over the one or more computer networks, an indication that the first user has authorized transfer of the indicated merchant card to the second user; and based at least in part on the indicated authorization from the first user, display one or more indications on a client computing device of the second user that the indicated merchant card has been transferred to the second user, and associate with the second user stored card information for the indicated merchant card, wherein the stored card information includes the verified card balance. - View Dependent Claims (2, 3)
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4. A computer-implemented method, comprising:
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receiving, by one or more computing systems configured to provide a merchant card exchange facilitator system, one or more first electronic communications sent via one or more computer networks by a client computing device of a first user, the received communications indicating a merchant card and card characteristics associated with the merchant card that include one or more card identifiers and a card balance, the card balance representing an amount of currency that is usable for making purchases from a specified merchant associated with the indicated merchant card; based at least in part on the indicated card characteristics, storing, by the one or more configured computing systems, card information for the indicated merchant card in association with the first user; receiving, by the one or more configured computing systems and via one or more second electronic communications sent over the one or more computer networks, an offer from a second user to purchase the indicated merchant card from the first user; receiving, by the one or more configured computing systems via one or more third electronic communications sent over the one or more computer networks and based at least in part on the offer from the second user, an indication that the first user has authorized transfer of the indicated merchant card; and based at least in part on the indication from the first user, associating, by the one or more configured computing systems, the stored card information for the indicated merchant card with the second user, the stored card information including the card balance. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable medium having stored contents that, when executed, configure one or more computing systems of a merchant card exchange facilitator system to:
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receive, by the one or more configured computing systems, one or more first electronic communications sent via one or more computer networks by a client computing device of a first user, the received communications being indicative of a merchant card and card characteristics associated with the merchant card that include one or more card identifiers and a card balance, the card balance representing an amount of currency that is usable for making purchases from a specified merchant; based at least in part on the indicated card characteristics, storing, by the one or more configured computing systems, card information representative of the indicated merchant card in association with an electronic wallet of the first user; receiving, by the one or more configured computing systems and via one or more second electronic communications sent over the one or more computer networks, an offer from a second user to purchase the indicated merchant card from the first user; receiving, by the one or more configured computing systems via one or more third electronic communications sent over the one or more computer networks and based at least in part on the offer from the second user, an indication that the first user has authorized transfer of the indicated merchant card; and based at least in part on the indication from the first user, associating, by the one or more configured computing systems, the stored card information for the indicated merchant card with an electronic wallet of the second user. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification