System and method for incorporating one-time tokens, coupons, and reward systems into merchant point of sale checkout systems

• US 10,580,049 B2
• Filed: 10/30/2012
• Issued: 03/03/2020
• Est. Priority Date: 04/05/2011
• Status: Active Grant

• Current Assignee: Ingenico (Ingenico Group SA)
• Original Assignee: Ingenico (Ingenico Group SA)
• Inventors: Graylin, Will W.
• Primary Examiner(s): Dunham, Jason B
• Assistant Examiner(s): Bargeon, Brittany E
• Application Number:
  US13/663,561
• Publication Number:
  US 20130054336A1
• Time in Patent Office: 2,681 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 63/0823 using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• CPC Class Codes: H04L 63/0838 using one-time-passwords
• CPC Class Codes: H04L 63/168 above the transport layer
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]

Abstract

A method for incorporating one-time-tokens, coupon and reward systems in conjunction with merchants'"'"' POS checkout systems in the physical or virtual environments includes providing a consumer computing device comprising an electronic wallet application, providing a One-time Token Redemption System (OTRS) and user electronic wallet accounts, logging into a user electronic wallet account through the electronic wallet application, sending a request for a one-time token valid for a specified time interval and then forwarding the request for the one-time token to the OTRS and upon approval sending the requested one-time token from the OTRS to the electronic wallet application. Next, presenting and entering the one-time token into a merchant point of sale checkout system within the specified time interval via the consumer computing device, sending the entered one-time token to a checkout application, and then processing payment via a secure payment application.

Claims

1. A method for using a one-time token from an offer system for completing a purchase transaction at a merchant checkout system, the merchant checkout system having a redemption application and a checkout application, the method comprising:

providing a consumer computing device having an electronic wallet application;

providing a wallet system having a user electronic wallet account that is accessible by the electronic wallet application over a network connection;

providing a redemption system that comprises a validity check application and an API configured to allow the offer system to interface with the redemption application, wherein the redemption system is in operative communication with the wallet system so that the consumer computing device uses the electronic wallet application to access the redemption system and the wallet system;

sending, by the electronic wallet application, a request to the wallet system for a one-time token,

forwarding, by the wallet system, the request to the redemption system;

issuing, by the offer system via the redemption system, the one-time token so that the one-time token is valid for a single use and for a specified time interval, wherein the one-time token is linked to the user electronic wallet account and to a specific payment instrument by the wallet system, and wherein the one-time token has an authorized monetary amount for payment by the specific payment instrument designated by a user,

receiving, by the electronic wallet application in response to the request, the one-time token from the redemption system,

providing, by the consumer computing device, the one-time token to the redemption application in the specified time interval;

checking validity of the one-time token by the redemption application sending the one-time token to the redemption system and executing the validity check application to determine whether the one-time token has expired or matches a previously used one-time token of the offer system;

matching, by the redemption system, the one-time token to the user electronic wallet account and determining if the authorized monetary amount from the user electronic wallet account is sufficient for the purchase transaction; and

either (1) sending the one-time token from the redemption system to the checkout application if the one-time token is valid and the matching determines that the authorized monetary amount is sufficient, or (2) transmitting and displaying a failure confirmation page to the consumer computing device if the one-time token is not valid or the matching determines that the authorized monetary amount is insufficient; and

processing payment for the purchase transaction via a secure payment application when the one-time token is received by the checkout application.

2. The method of claim 1, wherein the payment is processed using the specific payment instrument.

3. The method of claim 1, further comprising logging in to the user electronic wallet account, and wherein the logging in comprises authenticating a user with a secure personal identification number (PIN).

4. The method of claim 1, further comprising receiving confirmation of payment by the consumer computing device.

5. The method of claim 1, wherein the user electronic wallet account stores payment instrument data, fulfillment data, demographics, loyalty information, and transaction history.

6. The method of claim 1, wherein said consumer computing device comprises at least one device selected from the group consisting of:

mobile phone, PDA, payment module, portable computer, personal computer, set-top box, netbook, tablets, iPad, electronic reader, and internet appliance.

7. The method of claim 1, wherein the specified time interval is 15 minutes.