Transaction broker method and system
First Claim
1. A method for processing negotiable economic credits through a hand held device in association with a transaction broker communicative with said hand held device, said method comprising the steps of:
- transferring at least one negotiable economic credit from a transaction broker communicative with said hand held device to said hand held device; and
storing said at least one negotiable economic credit within a memory of said hand held device for retrieval and processing at a point of sale.
1 Assignment
0 Petitions
Accused Products
Abstract
Methods and systems for processing negotiable economic credits (e.g., electronic coupons, cash, incentive and/or awards, etc.) through, or at the request of, a hand held device in association with a transaction broker communicative with the hand held device and/or point of sale. At least one negotiable economic credit can be transferred from a transaction broker communicative with the hand held device to the hand held device or point of sale. The negotiable economic credit can be stored within a memory of the hand held device for retrieval and processing at a point of sale associated with a retail establishment, or may be transferred to the point of sale at the request of the hand held device. The negotiable economic credit can be associated with a security module for protecting the privacy of the negotiable economic credit. A user profile can be compiled for utilization during the retrieval of the negotiable economic credit. The user profile can be stored in a database associated with the transaction broker and/or a database associated with the hand held device.
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Citations
24 Claims
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1. A method for processing negotiable economic credits through a hand held device in association with a transaction broker communicative with said hand held device, said method comprising the steps of:
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transferring at least one negotiable economic credit from a transaction broker communicative with said hand held device to said hand held device; and
storing said at least one negotiable economic credit within a memory of said hand held device for retrieval and processing at a point of sale. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method of processing negotiable economic credits through a hand held device, said method comprising the step of:
transferring at least one negotiable economic credit to a retail enterprise for use at a point of sale on behalf of a credit redemption request by a hand held device. - View Dependent Claims (10, 11, 12, 14, 15, 16, 17, 18, 19, 20)
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13. A system for processing negotiable economic credits through a hand held device in association with a transaction broker communicative with said hand held device, said system comprising:
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transfer module for transferring at least one negotiable economic credit from a transaction broker communicative with said hand held device to said hand held device; and
storage module for storing said at least one negotiable economic credit within a memory of said hand held device for retrieval and processing at a point of sale.
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21. A system of processing negotiable economic credits through a hand held device, said system comprising:
transfer module for transferring at least one negotiable economic credit to a retail enterprise for use at a point of sale on behalf of a credit redemption request by a hand held device. - View Dependent Claims (22, 23, 24)
Specification