System and method for a mobile wallet
First Claim
1. A mobile wallet computer system, comprising:
- one or more processors combined with non-transitory memory, wherein the non-transitory memory has instructions stored therein that are executable by the one or more processors, the non-transitory memory in combination with the one or more processors comprising;
network interface logic configured to receive one or more offers from one or more merchants;
an offer engine configured to determine an offer from the one or more offers to present on a mobile device based on a characteristic of a user of the mobile device;
a code generator configured to generate a code and embed information in the code, wherein the code is generated for the mobile device of the user, and wherein the information includes a transaction identification number;
wherein the network interface logic is further configured to;
receive, from the mobile device, a request for the code to provide to a merchant associated with the offer;
send the code to the mobile device for the merchant to receive at a point of sale and send to a financial institution to request funds from an account held by the user; and
receive a request for funds from the merchant that includes an amount of a transaction in accordance with the offer and the transaction identification number that was embedded in the received code; and
account processing logic configured to send the requested funds to the merchant upon verifying the offer was accepted by the user of the mobile device and upon authenticating the transaction identification number.
1 Assignment
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Accused Products
Abstract
A system includes network interface logic configured to receive offers from merchants, an offer engine configured to determine an offer from the offers to present on a mobile device based on a characteristic of a user of the mobile device, and a code generator configured to generate a code and embed information in the code. The network interface logic is configured to receive, from the mobile device, a request for the code to provide to a merchant associated with the offer, send the code to the mobile device for the merchant to receive at a point of sale, and receive a request for funds from the merchant that includes an amount of a transaction in accordance with the offer. The system also includes account processing logic configured to send the requested funds to the merchant upon verifying the offer was accepted by the user of the mobile device.
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Citations
20 Claims
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1. A mobile wallet computer system, comprising:
one or more processors combined with non-transitory memory, wherein the non-transitory memory has instructions stored therein that are executable by the one or more processors, the non-transitory memory in combination with the one or more processors comprising; network interface logic configured to receive one or more offers from one or more merchants; an offer engine configured to determine an offer from the one or more offers to present on a mobile device based on a characteristic of a user of the mobile device; a code generator configured to generate a code and embed information in the code, wherein the code is generated for the mobile device of the user, and wherein the information includes a transaction identification number; wherein the network interface logic is further configured to; receive, from the mobile device, a request for the code to provide to a merchant associated with the offer; send the code to the mobile device for the merchant to receive at a point of sale and send to a financial institution to request funds from an account held by the user; and receive a request for funds from the merchant that includes an amount of a transaction in accordance with the offer and the transaction identification number that was embedded in the received code; and account processing logic configured to send the requested funds to the merchant upon verifying the offer was accepted by the user of the mobile device and upon authenticating the transaction identification number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A computer-implemented method performed by one or more processors of a mobile wallet computer system, comprising:
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receiving, by the mobile wallet computer system, one or more offers from one or more merchants; determining, by the mobile wallet computer system, an offer from the one or more offers to present on a mobile device of a user of the mobile device; receiving, by mobile wallet computer system, a request from the mobile device for a code to provide to a merchant associated with the offer, the code being generated for the mobile device that belongs to the user; receiving, by the mobile wallet computer system, an indication from the mobile device of the user to use the offer, wherein the offer provides the user a discount from a price of a product or service; generating, by the mobile wallet computer system, the code based on the offer, the code including a transaction identification number; sending, by mobile wallet computer system, the code to the mobile device for the merchant to receive at a point of sale and send to a financial institution to request funds from an account held by the user; receiving, by the mobile wallet computer system, a request for funds from the merchant that includes an amount of the transaction in accordance with the offer and the transaction identification number that was included in the received code; and sending, by the mobile wallet computer system, the requested funds to the merchant upon verifying the offer was accepted by the user of the mobile device and upon authenticating the transaction identification number. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification