Eligibility verification for real-time offers
First Claim
Patent Images
1. A method for verifying eligibility for real-time offers, the method comprising:
- initiating a transaction between a mobile device and a point of sale terminal over a near field communication (NFC) interface, wherein the mobile device is associated with at least one NFC-based payment system and a profile indicating a user locale;
receiving one or more offers in real-time from one or more offer devices over a communication network, the real-time offers regarding the initiated transaction for which a user of the mobile device is eligible;
transmitting information over the wireless communication network indicating that one of the real-time offers is selected, wherein the selected offer is associated with a different NFC-based payment system that is not yet associated with the mobile device;
modifying the transaction based on the selected offer, wherein modifying the transaction comprises specifying that at least a portion of the transaction is to be processed by the different NFC-based payment system; and
downloading information regarding the different NFC-based payment system onto the mobile device, wherein the modified transaction is processed via the different NFC-based payment system in accordance with the downloaded information.
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Abstract
A mobile device corresponding to the present invention submits a credit application at a point of sale terminal, and a user of the mobile device receives credit that pays the merchant for a purchase made by the user at the merchant.
139 Citations
19 Claims
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1. A method for verifying eligibility for real-time offers, the method comprising:
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initiating a transaction between a mobile device and a point of sale terminal over a near field communication (NFC) interface, wherein the mobile device is associated with at least one NFC-based payment system and a profile indicating a user locale; receiving one or more offers in real-time from one or more offer devices over a communication network, the real-time offers regarding the initiated transaction for which a user of the mobile device is eligible; transmitting information over the wireless communication network indicating that one of the real-time offers is selected, wherein the selected offer is associated with a different NFC-based payment system that is not yet associated with the mobile device; modifying the transaction based on the selected offer, wherein modifying the transaction comprises specifying that at least a portion of the transaction is to be processed by the different NFC-based payment system; and downloading information regarding the different NFC-based payment system onto the mobile device, wherein the modified transaction is processed via the different NFC-based payment system in accordance with the downloaded information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A device for verifying eligibility for real-time offers, the method comprising:
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an NFC interface that initiates a transaction between a mobile device and a point of sale terminal, wherein the mobile device is associated with at least one NFC-based payment system and a profile indicating a user locale; a wireless communication network interface that; receives one or more offers in real-time from one or more offer devices over a communication network, the real-time offers regarding the initiated transaction for which a user of the mobile device is eligible; and transmits information over the wireless communication network indicating that one of the real-time offers is selected, wherein the selected offer is associated with a different NFC-based payment system that is not yet associated with the mobile device; and a processor that executes instructions stored in memory, wherein execution of the instructions by the processor modifies the transaction based on the selected offer, wherein modifying the transaction comprises specifying that at least a portion of the transaction is to be processed by the different NFC-based payment system, wherein the mobile device downloads information regarding the different NFC-based payment system, and wherein the modified transaction is processed via the different NFC-based payment system in accordance with the downloaded information. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A non-transitory computer-readable storage medium, having embodied thereon a program executable by a processor to perform a method for verifying eligibility for real-time offers, the method comprising:
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initiating a transaction between a mobile device and a point of sale terminal over a near field communication (NFC) interface, wherein the mobile device is associated with at least one NFC-based payment system and a profile indicating a user locale; receiving one or more offers in real-time from one or more offer devices over a communication network, the real-time offers regarding the initiated transaction for which a user of the mobile device is eligible; transmitting information over the wireless communication network indicating that one of the real-time offers is selected, wherein the selected offer is associated with a different NFC-based payment system that is not yet associated with the mobile device; modifying the transaction based on the selected offer, wherein modifying the transaction comprises specifying that at least a portion of the transaction is to be processed by the different NFC-based payment system; and downloading information regarding the different NFC-based payment system onto the mobile device, wherein the modified transaction is processed via the different NFC-based payment system in accordance with the downloaded information.
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Specification