Mobile communication systems and methods for redeeming and reporting coupons

• US 10,410,201 B2
• Filed: 09/05/2017
• Issued: 09/10/2019
• Est. Priority Date: 07/30/2007
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Byerley, Douglas, Cawthorne, John, Dewan, Sunil, Skowronek, Daniel, Arthur, Steven E., Toomer, Christopher L.
• Primary Examiner(s): Badii, Behrang
• Application Number:
  US15/695,940
• Publication Number:
  US 20180075432A1
• Time in Patent Office: 735 Days
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards

Abstract

Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices to redeem and report use of various marketing offers such as coupons. According to one embodiment, redeeming and reporting a marketing offer can comprise transmitting information related to the marketing offer from a mobile wallet of the mobile device to a target device. A redemption message can be received at the mobile wallet of the mobile device from the target device. The redemption message can indicate acceptance of the marketing offer. At least a portion of the redemption message can be sent from the mobile wallet of the mobile device to a service provider system providing communication services to the mobile device. Sending the redemption message from the mobile wallet of the mobile device to the service provider system can be performed via a wireless communications network such as a cellular network.

Claims

1. A system for managing electronic messages relating to marketing offers for a wireless transaction, the system comprising:

a point-of-sale device at which the wireless transaction is conducted;

a mobile device having a mobile wallet application, the mobile device wirelessly transmitting information related to a marketing offer, including a discount amount, stored at the mobile wallet application of the mobile device, the information related to the marketing offer transmitted from the mobile device directly to the point-of-sale device without interception by any other device, and the mobile device wirelessly receiving a redemption message directly from the point-of-sale device without interception by any other device, the redemption message indicating acceptance of the marketing offer;

a wireless service provider system providing wireless communication services to the mobile device, the service provider system receiving at least a portion of the redemption message from the mobile wallet application of the mobile device using the wireless communications services; and

an offer management system communicatively coupled with the wireless service provider system, the offer management system maintaining status information related to the marketing offer, receiving the redemption message from the wireless service provider system, updating the status information in response to the redemption message received from the wireless service provider system, and providing a delete instruction to the wireless service provider system in response to receiving the redemption message from the wireless service provider system;

wherein the wireless service provider system generates, in response to the delete instruction, a delete message related to the marketing offer and transmits the delete message to the mobile device; and

wherein the mobile application of the mobile device deletes the marketing offer stored at the mobile wallet application of the mobile device in response to the delete message transmitted from the wireless service provider system to the mobile device, thereby preventing re-use of the marketing offer.

2. The system of claim 1, wherein prior to the mobile device transmitting the information related to the marketing offer from the mobile device directly to the point-of-sale device without interception by any other device, the mobile device receives a selection of the marketing offer from a plurality of marketing offers stored at the mobile wallet application of the mobile device, wherein transmitting the information related to the marketing offer from the mobile device directly to the point-of-sale device comprises transmitting information related to the selected marketing offer.

3. The system of claim 1, wherein transmitting information related to the marketing offer from the mobile device directly to the point-of-sale is performed via a Near-Field Communication between the mobile device and the point-of-sale device.

4. The system of claim 1, wherein wireless communications services are provided over a wireless communications network.

5. The system of claim 4, wherein the wireless communications network comprises a cellular network.

6. The mobile device of claim 1, wherein the offer management system is communicatively coupled to the wireless service provider system via an acquirer system, the acquirer system serving as an intermediary between merchants and card issuer financial institutions, wherein the acquirer system maintains status information related to the marketing offer via communications with the offer management system, wherein the wireless service provider system provides the redemption message to the acquirer system, wherein the acquirer system updates the status information via communications with the offer management system in response to the redemption message received from the wireless service provider system, wherein the acquirer system provides the delete instruction to the wireless service provider system in response to receiving the redemption message from the wireless service provider system, and wherein the wireless service provider system generates, in response to the delete instruction, the delete message received at the mobile device from the wireless service provider system.

7. The system of claim 1, wherein the marketing offer is provided to the mobile application of the mobile device by an offer provider using the wireless communications services.

8. The system of claim 7, wherein the offer provider is selected form a group comprising a manufacturer, merchant, wireless service provider and financial institution.

9. The system of claim 1, wherein the mobile wallet application is a software application resident on the mobile device.

10. The system of claim 9, wherein the mobile wallet application further stores payment account information for use in conducting the wireless transaction at the point-of-sale device.

11. A method for managing electronic messages relating to marketing offers for a wireless transaction, the method comprising:

wirelessly transmitting, from a mobile device having a mobile wallet application, information related to a marketing offer, including a discount amount, stored at the mobile wallet application of the mobile device, the information related to the marketing offer transmitted from the mobile device directly to the point-of-sale device without interception by any other device;

wirelessly receiving, at the mobile device, a redemption message directly from the point-of-sale device without interception by any other device, the redemption message indicating acceptance of the marketing offer;

receiving, at a wireless service provider system providing wireless communication services to the mobile device, at least a portion of the redemption message from the mobile wallet application of the mobile device; and

at an offer management system communicatively coupled with the wireless service provider system, maintaining status information related to the marketing offer, receiving the redemption message from the wireless service provider system, updating the status information in response to the redemption message received from the wireless service provider system, and providing a delete instruction to the wireless service provider system in response to receiving the redemption message from the wireless service provider system;

wherein the wireless service provider system generates, in response to the delete instruction, a delete message related to the marketing offer and transmits the delete message to the mobile device; and

wherein the mobile application of the mobile device deletes the marketing offer stored at the mobile wallet application of the mobile device in response to the delete message transmitted from the wireless service provider system to the mobile device, thereby preventing re-use of the marketing offer.

12. The method of claim 11, wherein prior to the mobile device transmitting the information related to the marketing offer from the mobile device directly to the point-of-sale device without interception by any other device, the mobile device receives a selection of the marketing offer from a plurality of marketing offers stored at the mobile wallet application of the mobile device, wherein transmitting the information related to the marketing offer from the mobile device directly to the point-of-sale device comprises transmitting information related to the selected marketing offer.

13. The method of claim 11, wherein transmitting information related to the marketing offer from the mobile device directly to the point-of-sale is performed via a Near-Field Communication between the mobile device and the point-of-sale device.

14. The method of claim 11, wherein wireless communications services are provided over a wireless communications network.

15. The method of claim 14, wherein the wireless communications network comprises a cellular network.

16. The method of claim 11, wherein the offer management system is communicatively coupled to the wireless service provider system via an acquirer system, the acquirer system serving as an intermediary between merchants and card issuer financial institutions, wherein the acquirer system maintains status information related to the marketing offer via communications with the offer management system, wherein the wireless service provider system provides the redemption message to the acquirer system, wherein the acquirer system updates the status information via communications with the offer management system in response to the redemption message received from the wireless service provider system, wherein the acquirer system provides the delete instruction to the wireless service provider system in response to receiving the redemption message from the wireless service provider system, and wherein the wireless service provider system generates, in response to the delete instruction, the delete message received at mobile device from the wireless service provider system.

17. The method of claim 11, wherein the marketing offer is provided to the mobile application of the mobile device by an offer provider using the wireless communications services.

18. The method of claim 17, wherein the offer provider is selected from a group comprising a manufacturer, merchant, wireless service provider and financial institution.

19. The method of claim 11, wherein the mobile wallet application is a software application resident on the mobile device.

20. The method of claim 19, wherein the mobile wallet application further stores payment account information for use in conducting the wireless transaction at the point-of-sale device.