PAYMENT PROGRAM FOR USE IN POINT-OF-SALE TRANSACTIONS
First Claim
1. A method of enrolling a customer in a merchant savings program, comprising:
- (a) presenting electronically to the customer at a point of sale terms and conditions of the savings program; and
(b) accepting electronically by the customer at the point of sale the terms and conditions of the savings program.
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Accused Products
Abstract
In some embodiments, the present application relates to card-free programs provided by a merchant to a customer, whereby the customer has access to functions such as payment options and/or loyalty program benefits without needing to present a physical card at a point of sale. For example, a customer may make a card-free purchase of goods or services from a merchant, whereby the customer need not present a card such as a debit card, credit card, loyalty card, or other physical tender to make a purchase. Further, the customer need not provide biometric data or otherwise use an electronic device or identifier to make a purchase. Alternatively or additionally, the customer may access a loyalty program without needing to provide a physical card or data associated with a card.
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Citations
28 Claims
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1. A method of enrolling a customer in a merchant savings program, comprising:
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(a) presenting electronically to the customer at a point of sale terms and conditions of the savings program; and
(b) accepting electronically by the customer at the point of sale the terms and conditions of the savings program. - View Dependent Claims (2)
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3. A method of enrolling a customer in a merchant savings program, comprising:
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(a) providing by the customer a unique identification number generated by the customer; and
(b) associating by the merchant the unique identification number with the savings program such that the customer may accumulate savings from the merchant in accordance with the savings program.
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4. A method of enrolling a customer in a merchant payment program, comprising:
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(a) providing by the customer data comprising account information and a unique identification number generated by the customer; and
(b) associating by the merchant the unique identification number with the account information such that the customer may conduct business with the merchant via an ACH transaction from the account. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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Specification