System and method of integrating loyalty/reward programs with payment identification systems
First Claim
1. A system for coordinating transactions, said system comprising:
- a server for accepting over a temporarily established communication connection from anyone of a plurality of users information specific to one of many merchants, said information including data specific to a unique POS location of one of said merchants;
means for coordinating said received information from a specific one of said users with information available to said server pertaining to said unique merchant location; and
means for communicating at least a portion of said coordinated information to said one user over said temporarily established connection.
2 Assignments
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Accused Products
Abstract
There is disclosed a system and method for coordinating a transaction by entering information pertaining to the transaction at a POS, the entered information being independent of identification of a recipient of the transaction. Independent from the entering of the transaction information there is established a communication connection from a device uniquely associated with the recipient to a location remote from the POS. The POS location is identified via the established communication connection; and the remote location coordinates the identified POS location with the entered information for the purpose of authorizing the transaction at the POS. In one embodiment any auxiliary entitlements, such as loyalty memberships, are identified and any available discounts are applied to the information entered at the POS. In one embodiment, the remote location authorizes payment of the transaction amount from third parties.
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Citations
56 Claims
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1. A system for coordinating transactions, said system comprising:
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a server for accepting over a temporarily established communication connection from anyone of a plurality of users information specific to one of many merchants, said information including data specific to a unique POS location of one of said merchants;
means for coordinating said received information from a specific one of said users with information available to said server pertaining to said unique merchant location; and
means for communicating at least a portion of said coordinated information to said one user over said temporarily established connection. - View Dependent Claims (2, 3, 4)
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5. A method for coordinating transactions, said method comprising:
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accepting over a temporarily established communication connection from anyone of a plurality of users information specific to one of many merchants, said information including data specific to a unique location of one of said merchants, said specific data pertaining to merchandise obtained from said merchant;
coordinating said received information from a specific one of said users with available information pertaining to said unique merchant location; and
communicating at least a portion of said coordinated information to said one user over said temporarily established connection. - View Dependent Claims (6, 7, 8)
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9. The method of coordinating the purchases from a merchant to a customer, said method comprising:
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establishing, under control of said customer at a POS terminal when purchase information is entered by said merchant at said POS terminal, a temporary communication connection to a server independent from said merchant for coordinating preestablished payment options with respect to said purchase information; and
under control of said server and upon receipt of the location ID of said POS terminal and other information entered by said customer, providing to said merchant sufficient information to satisfy said merchant that said customer has arranged proper payment for said purchase. - View Dependent Claims (10)
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11. A method for coordinating a transaction, said method comprising:
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at a point of sale (POS) associated with said transaction, entering information pertaining to said transaction, said information being independent of identification of a recipient of said transaction;
establishing a temporary communication connection from a device uniquely associated with said recipient to a location remote from said point of sale (POS);
identifying said point of sale (POS) location via said device and an established communication connection; and
coordinating said identified point of sale (POS) location with said entered information. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A system for facilitating identification of a user, said system comprising:
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a point of sale (POS) terminal for entering and/or receiving information, said information separate from any personal information of said user;
a database remote from said point of sale (POS) terminal;
means for establishing a communication connection between said user and said database, said communication connection separate from the communication connection over which said point of sale (POS) information is entered; and
means, including communicating the identity of said point of sale (POS) terminal to said database via said established communication connection, for allowing said database to coordinate said user to information entered at said point of sale (POS). - View Dependent Claims (23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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37. A method for authorizing payment for purchases made by a user, said method comprising:
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entering information pertaining to said purchases at a point of sale (POS) terminal;
communicating over a temporarily established communication connection information unique to said user, said information including the identity of said point of sale (POS) terminal; and
comparing said information obtained over said temporarily established connection with stored information pertaining to said user and with said entered purchase information. - View Dependent Claims (38, 39, 40, 41)
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42. A system for controlling transactions involving users, said system comprising:
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a terminal for sending to a control center information pertaining to a particular transaction for a specific user;
a device for establishing a temporary communication connection from said specific user to said control center; and
a control system at said control center for matching information received from said user pertaining to the identity of said terminal with the actual information received from said terminal. - View Dependent Claims (43, 44, 45, 46)
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47. A system for coordinating a transaction, said system comprising:
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a first device for delivering POS information to said system, said information pertaining to said transaction; and
a second device for establishing a temporary communication connection from said second device to said system. - View Dependent Claims (48, 49, 50, 51)
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52. A method of providing gift credit from a benefactor to a recipient, said method comprising:
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providing, under control of said benefactor, a telephone number of said recipient;
providing, under control of said benefactor, an amount to be credit to said recipient; and
communicating to said recipient via said provided telephone number that said recipient has a credit in the amount provided by said benefactor. - View Dependent Claims (53, 54)
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55. A method for enrolling a customer in a wireless transaction payment program;
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said method comprising;
entering, at a POS terminal, information identifying a wireless device of a customer;
further entering at said POS information pertaining to credit/debit/stored value cards/cash/ACH desired to be used by said customer in conjunction with said identified wireless device; and
allowing said customer to make purchases at one or more POS locations under control of a temporary communication connection established at a POS from said identified wireless device, said communication allowing said customer to transmit a location ID of said POS as well as other acceptance information to satisfy a merchant that said merchant will be paid for said purchase. - View Dependent Claims (56)
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Specification