METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR REDEEMING AND DELIVERING ELECTRONIC LOYALTY REWARD CERTIFICATES USING A MOBILE DEVICE

• US 20100174598A1
• Filed: 12/31/2009
• Published: 07/08/2010
• Est. Priority Date: 12/31/2008
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Kumar, Pradeep, Khan, Mohammad
• Application Number:
  US12/651,420
• Publication Number:
  US 20100174598A1
• Time in Patent Office: Days
• US Class Current: 705/14.320
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0232 Frequent usage rewards other than merchandise, cash or travel

Abstract

Methods, systems, and computer readable media for redeeming and delivering electronic loyalty reward certificates using a mobile device are disclosed. In one example, the method includes utilizing a loyalty reward certificate selection device to generate electronic loyalty reward certificate selection information and providing the loyalty reward certificate selection information and a recipient mobile device identifier to a loyalty management server. Electronic loyalty reward certificate data derived from the loyalty reward certificate selection information and the recipient mobile device identifier is received from the loyalty management server. The method also includes establishing a communications link with a mobile device corresponding to the recipient mobile device identifier and provisioning the electronic loyalty reward certificate data on the mobile device over the communications link via over the air (OTA) communications.

Claims

1. A method for providing an electronic loyalty reward certificate to a mobile device, the method comprising:

utilizing a loyalty reward certificate selection device to generate electronic loyalty reward certificate selection information;

providing the loyalty reward certificate selection information and a recipient mobile device identifier to a loyalty management server;

receiving, from the loyalty management server, electronic loyalty reward certificate data derived from the loyalty reward certificate selection information and the recipient mobile device identifier;

establishing a communications link with a mobile device corresponding to the recipient mobile device identifier; and

provisioning the electronic loyalty reward certificate data on the mobile device over the communications link via over the air (OTA) communications.

2. The method of claim 1 wherein the mobile device includes a near field communications (NFC) enabled mobile device.

3. The method of claim 1 wherein the loyalty reward certificate selection device comprises at least one of a mobile device, a personal computer, or a merchant kiosk station.

4. The method of claim 1 wherein the recipient mobile device identifier includes a mobile device phone number.

5. The method of claim 1 wherein utilizing a loyalty reward certificate selection device includes:

interfacing the mobile device to a smart poster;

using a web browser of the mobile device to access a website associated with the smart poster; and

selecting a loyalty reward option presented by the website using the web browser to generate the electronic loyalty reward certificate selection information.

6. The method of claim 1 wherein utilizing a loyalty reward certificate selection device includes:

using a web browser at a merchant kiosk station or personal computer to access a website that presents loyalty reward options; and

selecting at least one of the loyalty reward options using the web browser to generate the electronic loyalty reward certificate selection information.

7. The method of claim 1 wherein establishing a communications link includes establishing a secure connection between the mobile device and an OTA provisioning server using at least one of a hypertext transfer protocol, an hypertext transfer protocol secure protocol, a transmission control protocol/Internet protocol, a short message service point to point protocol, or a CAT_TP protocol.

8. The method of claim 1 wherein provisioning the electronic loyalty reward certificate data includes sending the electronic loyalty reward certificate data to the mobile device, and converting the electronic loyalty reward certificate data to an electronic loyalty reward softcard.

9. The method of claim 1 includes receiving a request from the loyalty management server to provide the electronic loyalty reward certificate data to the mobile device associated with the receiving mobile device identifier.

10. The method of claim 1 wherein establishing a communications link includes sending a control SMS message to the mobile device, and receiving an acknowledgement message responding to the control SMS message from the mobile device.

11. The method of claim 1 wherein provisioning the electronic loyalty reward certificate data includes provisioning the electronic loyalty reward certificate data with branding and issuer marketing data.

12. The method of claim 11 wherein the branding and issuer marketing data includes a brand image and a personalized marketing message.

13. The method of claim 1 wherein the utilizing, providing, receiving, establishing, and provisioning elements are performed in real time.

14. A computer readable medium having stored thereon computer executable instructions that when executed by a processor of a computer control the computer to perform steps comprising:

utilizing a loyalty reward certificate selection device to generate electronic loyalty reward certificate selection information;

providing the loyalty reward certificate selection information and a recipient mobile device identifier to a loyalty management server;

receiving, from the loyalty management server, electronic loyalty reward certificate data derived from the loyalty reward certificate selection information and the recipient mobile device identifier;

establishing a communications link with a mobile device corresponding to the recipient mobile device identifier; and

provisioning the electronic loyalty reward certificate data on the mobile device over the communications link via over the air (OTA) communications.

15. The computer readable medium of claim 14 wherein the mobile device includes a near field communications (NFC) enabled mobile device.

16. The computer readable medium of claim 14 wherein the loyalty reward certificate selection device comprises at least one of a mobile device, a personal computer, or a merchant kiosk station.

17. The computer readable medium of claim 14 wherein the recipient mobile device identifier includes a mobile device phone number.

18. The computer readable medium of claim 14 wherein utilizing a loyalty reward certificate selection device includes:

interfacing the mobile device to a smart poster;

using a web browser of the mobile device to access a website associated with the smart poster; and

selecting a loyalty reward option presented by the website using the web browser to generate the electronic loyalty reward certificate selection information.

19. The computer readable medium of claim 14 wherein utilizing a loyalty reward certificate selection device includes:

using a web browser at a merchant kiosk station or personal computer to access a website that presents loyalty reward options; and

selecting at least one of the loyalty reward options using the web browser to generate the electronic loyalty reward certificate selection information.

20. The computer readable medium of claim 14 wherein establishing a communications link includes establishing a secure connection between the mobile device and an OTA provisioning server using at least one of a hypertext transfer protocol, an hypertext transfer protocol secure protocol, a transmission control protocol/Internet protocol, a short message service point to point protocol, or a CAT_TP protocol.

21. The computer readable medium of claim 14 wherein provisioning the electronic loyalty reward certificate data includes sending the electronic loyalty reward certificate data to the mobile device, and converting the electronic loyalty reward certificate data to an electronic loyalty reward softcard.

22. The computer readable medium of claim 14 includes receiving a request from the loyalty management server to provide the electronic loyalty reward certificate data to the mobile device associated with the receiving mobile device identifier.

23. The computer readable medium of claim 14 wherein establishing a communications link includes sending a control SMS message to the mobile device, and receiving an acknowledgement message responding to the control SMS message from the mobile device.

24. The computer readable medium of claim 14 wherein provisioning the electronic loyalty reward certificate data includes provisioning the electronic loyalty reward certificate data with branding and issuer marketing data.

25. The computer readable medium of claim 24 wherein the branding and issuer marketing data includes a brand image and a personalized marketing message.

26. The computer readable medium of claim 14 wherein the utilizing, providing, receiving, establishing, and provisioning elements are performed in real time.

27. A system for providing an electronic loyalty reward certificate to a mobile device, comprising:

a loyalty reward selection device for generating electronic loyalty reward certificate selection information;

a loyalty management server for receiving electronic loyalty reward certificate selection information and a recipient mobile device identifier from the loyalty reward selection device, and for deriving electronic loyalty reward certificate data from the loyalty reward certificate selection information and the mobile device identifier; and

an over the air (OTA) provisioning server for receiving, from the loyalty management server, the electronic loyalty reward certificate data, for establishing a communications link with the mobile device corresponding to the recipient mobile device identifier, and provisioning the electronic loyalty reward certificate data on the mobile device over the communications link.

28. The system of claim 27 wherein the mobile device includes a near field communications (NFC) enabled mobile device.

29. The system of claim 27 wherein the loyalty reward certificate selection device comprises at least one of a mobile device, a personal computer, or a merchant kiosk station.

30. The system of claim 27 wherein the recipient mobile device identifier includes a mobile device phone number.

31. The system of claim 27 wherein the loyalty reward selection device comprises a mobile device and is further configured to interface with the a smart poster, utilize a web browser of the mobile device to access a website associated with the smart poster, and select a loyalty reward option presented by the website using the web browser to generate the electronic loyalty reward certificate selection information.

32. The system of claim 27 wherein the loyalty reward selection device comprises a merchant kiosk station or personal computer and is further configured to utilize a web browser at the merchant kiosk station or personal computer to access a website that presents loyalty reward options, and select at least one of the loyalty reward options using the web browser to generate the electronic loyalty reward certificate selection information.

33. The system of claim 27 wherein the OTA provisioning server is further configured to establish a secure connection between the mobile device and the OTA provisioning server using at least one of a hypertext transfer protocol, an hypertext transfer protocol secure protocol, a transmission control protocol/Internet protocol, a short message service point to point protocol, or a CAT_TP protocol.

34. The system of claim 27 wherein the OTA provisioning server is further configured to send the electronic loyalty reward certificate data to the mobile device, and converting the electronic loyalty reward certificate data to an electronic loyalty reward softcard.

35. The system of claim 27 wherein the OTA provisioning server is further configured to receive a request from the loyalty management server to transmit the electronic loyalty reward certificate data to the mobile device associated with the receiving mobile device identifier.

36. The system of claim 27 wherein the OTA provisioning server is further configured to send a control SMS message to the mobile device, and receive an acknowledgement message responding to the control SMS message from the mobile device.

37. The system of claim 27 wherein the OTA provisioning server is further configured to send the electronic loyalty reward certificate data with branding and issuer marketing data to the mobile device.

38. The system of claim 37 wherein the branding and issuer marketing data includes a brand image and a personalized marketing message.