STAGED TRANSACTION TOKEN FOR MERCHANT RATING
First Claim
1. A method comprising a plurality of steps each being performed by apparatus executing instructions, wherein the steps include:
- receiving a request to conduct a transaction with a merchant on an account for a purchase of a good or service with an account holder, wherein the account is issued by an issuer to an account holder;
determining whether the request is authorized by the account holder; and
if the request is authorized by the account holder, sending, in response to the receiving of the request, a token to a logical address corresponding to the account holder, wherein the token is;
representative of the account issued by the issuer to the account holder; and
sufficient for the one said merchant in the list to conduct the transaction on the account for the purchase of the good or service;
receiving a transmission that includes an indicator that the token has been submitted to the one said merchant;
comparing the time that the transmission was received to the time that the token was sent to the logical address corresponding to the account holder to ascertain whether a difference from the comparison exceeds a predetermined time limit;
if difference from the comparison is not greater than the predetermined time limit, sending a message to a logical address corresponding to the merchant, wherein the message includes an authorization to conduct the transaction on the account for the purchase of the good or service.
1 Assignment
0 Petitions
Accused Products
Abstract
An e-wallet service allows a consumer to retrieve a list of merchants selling goods and services specified by the consumer, see reviews by other consumers who conducted transactions with the merchants on the retrieved list; select a merchant from the retrieved list and an account to pay for a staged transaction and a corresponding token for the staged transaction with the selected merchant, conduct the staged transaction with the merchant by the submission of the token to the merchant as form of payment; and use the token, after conducting the staged transaction with the selected merchant, to gain access to a social media portal and input the consumer'"'"'s opinion about the selected merchant'"'"'s performance of the staged transaction.
296 Citations
46 Claims
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1. A method comprising a plurality of steps each being performed by apparatus executing instructions, wherein the steps include:
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receiving a request to conduct a transaction with a merchant on an account for a purchase of a good or service with an account holder, wherein the account is issued by an issuer to an account holder; determining whether the request is authorized by the account holder; and if the request is authorized by the account holder, sending, in response to the receiving of the request, a token to a logical address corresponding to the account holder, wherein the token is; representative of the account issued by the issuer to the account holder; and sufficient for the one said merchant in the list to conduct the transaction on the account for the purchase of the good or service; receiving a transmission that includes an indicator that the token has been submitted to the one said merchant; comparing the time that the transmission was received to the time that the token was sent to the logical address corresponding to the account holder to ascertain whether a difference from the comparison exceeds a predetermined time limit; if difference from the comparison is not greater than the predetermined time limit, sending a message to a logical address corresponding to the merchant, wherein the message includes an authorization to conduct the transaction on the account for the purchase of the good or service. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method comprising a plurality of steps each being performed by computing apparatus executing computer software, wherein the steps include:
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receiving criteria in a request for a list of merchants each of whom can conduct a transaction on an account for a purchase of a good or service with an account holder, wherein the account is issued by an issuer to an account holder; determining, using the criteria, whether the request is authorized by the account holder; and if the request is authorized by the account holder; retrieving, using the criteria, the list of merchants, wherein at least one of the merchants in the list satisfies the criteria; sending, in response to the receiving of the request, the list of merchants to a logical address corresponding to the account holder; receiving a selection of one said merchant in the list; sending to the logical address corresponding to the account holder, in response to the receiving of the selection of the one said merchant, a token that is; representative of the account issued by the issuer to the logical address corresponding to the account holder; and sufficient for the one said merchant in the list to conduct the transaction on the account for the purchase of the good or service; receiving information confirming that the transaction has been conducted by the account holder submitting the token to the one said merchant in the list; and sending a confirmation of the conducting of the transaction to the logical address corresponding to the account holder. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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26. A method comprising a plurality of steps each being performed by computing apparatus executing computer software, wherein the steps include:
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receiving criteria in a request for a list of merchants each of whom can conduct a transaction on an account for a purchase of a good or service with an account holder, wherein the account is issued by an issuer to an account holder; determining, using the criteria, whether the request is authorized by the account holder; and if the request is authorized by the account holder; retrieving, using the criteria, the list of merchants, wherein; at least one of the merchants in the list satisfies the criteria; and the list of merchants includes an offer from each said merchant in the list for a discount on the transaction conducted on the account by the account holder with the merchant; sending, in response to the receiving of the request, the list of merchants to a logical address corresponding to the account holder; receiving a selection of one said offer from one said merchant in the list; sending to the logical address corresponding to the account holder, in response to the receiving of the selection of the offer from the one said merchant, a token that is; representative of the account issued by the issuer to the logical address corresponding to the account holder;
sufficient for the one said merchant in the list to conduct the transaction on the account for the purchase of the good or service; andassociated with the discount of the selected said offer from the one said merchant in the list; receiving a transmission that includes an indicator that the token has been submitted to the one said merchant; comparing the time that the transmission was received to the time that the token was sent to the logical address corresponding to the account holder to ascertain whether a difference from the comparison exceeds a predetermined time limit; and if difference from the comparison is not greater than the predetermined time limit, sending a message to a logical address corresponding to the one said merchant in the list, wherein the message includes; an authorization to conduct the transaction on the account for the purchase of the good or service; and the discount of the selected said offer from the one said merchant in the list. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
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40. A method comprising a plurality of steps each being performed by apparatus executing instructions, wherein the steps include:
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receiving a token representative of an account issued by an issuer to an account holder; determining, using the token, whether the token had been submitted to a merchant as a payment on the account for a transaction conducted on the account for a purchase of a good or service; if the token had been submitted to conduct the transaction; receiving an evaluation of the transaction for the purchase of the good or service from the merchant; and storing, in a database, the evaluation so as to be associated with the merchant, wherein the database contains a plurality of said merchants and their respective said evaluations submitted by other said account holders who had conducted respective said transactions with the plurality of said merchants. - View Dependent Claims (41, 42, 43, 44, 45, 46)
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Specification