INCENTIVE WIRELESS COMMUNICATION RESERVATIONS

• US 20080071587A1
• Filed: 11/27/2007
• Published: 03/20/2008
• Est. Priority Date: 06/24/2005
• Status: Abandoned Application

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Granucci, Nicole, Stretch, James
• Application Number:
  US11/945,907
• Publication Number:
  US 20080071587A1
• Time in Patent Office: Days
• US Class Current: 705/5
• CPC Class Codes: G06Q 10/02 Reservations, e.g. for tickets, services or events
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0225 Avoiding frauds

Abstract

A portable consumer device is used to wirelessly communicate at least payment account data to a reservation system to make a reservation. If the same payment account is used to pay for the reserved good or service, an incentive can be received. Information on the incentive can be received, for example, at the hand held consumer electronic device. Within a hospitality industry environment, a consumer may use a hand held wireless telecommunication device to communicate the payment account number to a reservation broker that makes a reservation for dining at a restaurant. The consumer may also receive confirmation of the reservation at the hand held wireless telecommunication device. The consumer may receive information characterizing an incentive if the same payment account used to make the restaurant reservation is used to pay for the dinning associated with the reservation.

Claims

1. A method comprising:

forming, at a hand held consumer wireless telecommunications device, data sufficient to make a reservation with a reservation broker for an inventory to be received by a consumer from a merchant, wherein the data includes an indicator of a first payment account associated with a payment processing system;

receiving, at the hand held consumer wireless telecommunications device, a confirmation of the reservation with the reservation broker, whereby an incentive will be earned for a transaction associated with the reservation that is payable on a second payment account associated with the payment processing system that matches the first payment account.

2. The method as defined in claim 1, further comprising receiving notice, at the hand held consumer wireless telecommunications device, that the incentive has been earned for the transaction associated with the reservation which was payable on the second payment account which was matched with the first payment account.

3. The method as defined in claim 1, further comprising receiving notice, at the hand held consumer wireless telecommunications device, that the incentive will be earned for the transaction associated with the reservation which was payable on the second payment account associated within the payment processing system upon the finding of the match with the first payment account.

4. The method as defined in claim 1, wherein the data to make the reservation is in a plurality of transmissions each being formed at the hand held consumer wireless telecommunications device during an on-line, real-time interactive session.

5. The method as defined in claim 1, further comprising forming, during the transaction, at the hand held consumer wireless telecommunications device, a transmission addressed to the payment processing system and including an identifier for each of the second payment account, an indicator of the merchant, and a description of the inventory received by the consumer from the merchant.

6. The method as defined in claim 1, wherein the incentive is selected from the group consisting of:

money;

a reward in a frequent traveler program with which the consumer is associated;

a reward in a consumer loyalty program associated with the first payment account;

a good;

a service;

a credit to the second payment account; and

combinations thereof.

7. The method as defined in claim 1, wherein the hand held consumer wireless telecommunications device is selected from the group consisting of a cellular telephone, a hand held computer, a personal digital assistant, a pager, a smart media device, a transponder, a laptop personal computer, a virtual cash register, and a combination thereof.

8. The method as defined in claim 1, further comprising, prior to the forming, receiving an invitation at the hand held consumer wireless telecommunications device to make the reservation with the reservation broker for the inventory to be received by the consumer from the merchant.

9. The method as defined in claim 8, wherein the invitation includes a description of the incentive that can be earned for the transaction associated with the reservation that is payable on the second payment account that matches the first payment account.

10. The method as defined in claim 1, wherein the incentive is derived, at least in part, based on a factor selected from the group consisting of:

the length of time between the receiving of the confirmation of the reservation and the transaction;

a date of the transaction;

a time of day of the transaction;

a monetary value of the transaction;

a number in a party for the reservation;

the inventory;

the number of previous said reservations that were found to correspond to respective previous said transactions for which there was a match, respectively, of the first and second payment accounts; and

a combination thereof.

11. The method as defined in claim 1, wherein the reservation includes a plurality of said reservations in a chronological sequence.

12. The method as defined in claim 1, further comprising, prior to the forming, creating, at the hand held consumer wireless telecommunications device, a designation directing the incentive to be applied as a credit to the first payment account.

13. The method as defined in claim 1, further comprising, at the hand held consumer wireless telecommunications device:

forming a request for information about one or more past said reservations; and

receiving the information, wherein the information for each said past reservation is selected from the group consisting of;

a previously formed reservation;

a previously conducted transaction payable on the second payment account corresponding to a previous reservation;

a previously received incentive based on a previous match between the first payment account and second payment account;

a previous length of time between the previously formed reservation and the previously conducted transaction;

a date of previously conducted transaction;

a time of day of the previously conducted transaction;

a value of the previously conducted transaction;

a number in a party for previously formed reservation;

the inventory associated with the previously formed reservation;

the incentive associated with the previously formed reservation; and

a combination thereof.

14. The method as defined in claim 1, wherein the payment processing system includes a transaction handler processing a plurality of transactions each characterized by the merchant and the consumer engaging in the transaction upon the second payment account that an issuer has issued to the consumer, wherein the merchant submits the transaction to an acquirer for processing by the transaction handler who requests the issuer to obtain payment for the transaction from the consumer, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to pay the merchant for the transaction.

15. Any hand held consumer wireless telecommunications device having a processor executing a program to:

form a first transmission having data sufficient to make a reservation with a reservation broker, wherein the data includes an indicator of a first payment account associated with a payment processing system;

receive a second transmission including a confirmation of the reservation; and

receive a third transmission including information characterizing an incentive for each match of the first payment account for the reservation with a second payment account associated with the payment processing system, wherein a transaction associated with the reservation is payable on the second payment account.

16. The hand held consumer wireless telecommunications device as defined in claim 15, wherein the program further includes code which, when executed by the processor executes a transaction application used to conduct the transaction associated with the reservation payable on the second payment account.

17. The hand held consumer wireless telecommunications device as defined in claim 15, wherein the first transmission further comprises data selected from the group consisting of:

a name of a consumer associated with the first payment account;

a username for the consumer;

a password for the consumer;

a type of payment account associated with the first payment account;

the incentive that the consumer pre-selected;

an amount of the incentive;

a date of the reservation;

a time of the reservation;

a name of a merchant having inventory corresponding to the reservation;

a description of an inventory corresponding to the reservation;

a category code for the merchant;

a number in a party corresponding to the reservation;

and combinations thereof.

18. The hand held consumer wireless telecommunications device as defined in claim 15, wherein the hand held consumer wireless telecommunications device is selected from the group consisting of:

a hand held wireless communication device, a cellular telephone, a hand held computer, a personal digital assistant, a pager, a smart media, a transponder, a laptop personal computer, a virtual cash register, and a combination thereof.

19. The hand held consumer wireless telecommunications device as defined in claim 15, wherein the payment processing system includes a transaction handler processing a plurality of transactions each characterized by the merchant and the consumer engaging in the transaction upon the second payment account that an issuer has issued to the consumer, wherein the merchant submits the transaction to an acquirer for processing by the transaction handler who requests the issuer to obtain payment for the transaction from the consumer, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to pay the merchant for the transaction.

20. A method comprising:

forming, at a portable consumer device, a first transmission having data sufficient to make a reservation with a reservation broker for a party at a restaurant, wherein the data includes;

an indicator of a first payment account associated with a payment processing system,

a number of expected people in the party,

a date of the reservation, and

a time of the reservation;

receiving, at the portable consumer device, a second transmission including a confirmation of the reservation; and

receiving information characterizing an incentive for each match of the first payment account for the reservation with a second payment account associated with the payment processing system, wherein a transaction associated with the reservation is payable on the second payment account.

21. The method as defined in claim 20, wherein the information characterizing the incentive is a value of the incentive that is received in a third transmission at the portable consumer device.

22. The method as defined in claim 20, wherein the payment processing system includes a transaction handler processing a plurality of transactions each characterized by the merchant and the consumer engaging in the transaction upon the second payment account that an issuer has issued to the consumer, wherein the merchant submits the transaction to an acquirer for processing by the transaction handler who requests the issuer to obtain payment for the transaction from the consumer, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to pay the merchant for the transaction.

23. The method as defined in claim 20, wherein the first transmission includes a plurality of transmissions as the data is entered into the portable consumer device during an interactive session.

24. The method as defined in claim 20, further comprising, prior to the forming of the first transmission, receiving at the portable consumer device, information about the restaurant as an invitation to make the reservation for the party at the restaurant.

25. The method as defined in claim 20, further comprising forming, at the portable consumer device, a third transmission addressed to the payment processing system, the third transmission including an indicator of the second payment account.