DUAL RANGE CELLULAR TELEPHONE COUPON CARD GENERATION
First Claim
1. For a payment processing network that includes a plurality of merchants and consumers engaging in a plurality of transactions on a plurality of respective consumer accounts that respective issuers issue to the consumers, each said transaction involving an electronic coupon associated with a sponsor account issued by an issuer, wherein the merchant submits the transaction to an acquirer for processing by a transaction handler who requests the issuer to obtain payment for a discount applied by the merchant to the transaction from the sponsor account, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to reimburse the merchant for the discount given on the transaction, a method comprising:
- browsing, using a cellular telephony capability of a web enabled client, via a browser executed by the web enabled client to an Internet website in communication with a web service having a database with a plurality of electronic coupons each;
being associated with a sponsor account issued to a sponsor of a discount by one said an issuer; and
for being receivable by one said merchant to give the discount on a purchase, wherein the discount is to be debited from the sponsor account and credited to one said merchant account issued by another said issuer to the one said merchant to reimburse the one said merchant for the discount;
sending, using the cellular telephony capability of the web enabled client, from the browser;
a selection of at least one said electronic coupon;
anda specification including;
a rendering capability of the web enabled client to render a soft copy of the at least one said electronic coupon on a display with which the web enabled client is in communication;
a type of a portable coupon device, associated with one said consumer account issued by another said issuer, and acceptable as payment for a future said purchase to be made on the consumer account;
andan identifier for the one said consumer account to be debited for the payment for the future said purchase less the discount;
receiving, using the cellular telephony capability of the web enabled client, at the browser and in response to the sending;
a rendering image corresponding to the rendering capabilities of the web enabled client to render the soft copy of the at least one said electronic coupon on the display with which the web enabled client is in communication;
a memory location to store discount information in a memory of the type of the portable coupon device; and
discount information including an identifier for;
the sponsor account;
the discount amount; and
the purchase that is eligible for the discount from the merchant and including at least one of a good and a service;
andwriting, using a near field communication capability of the web enabled client, to the memory location in the memory of the portable coupon device the discount information.
1 Assignment
0 Petitions
Accused Products
Abstract
A method for use in a payment processing network is provided. The method includes browsing to an Internet website in communication with a web service having a database storing electronic coupons. Each electronic coupon is associated with a sponsor'"'"'s account and is receivable by a merchant for a discount, where the discount is debited from the sponsor'"'"'s account and credited to the merchant'"'"'s. The browser sends the selected electronic coupon and a specification including the rendering capability of the client, the type of portable coupon device, and an identifier for the consumer account associated with the portable coupon device. The browser then receives a rendering image, the memory storage location for the discount information, and the discount information, which includes identifiers for the sponsor account, the discount amount, and the eligible purchase. Finally the discount information is written to the memory of the portable coupon device.
68 Citations
20 Claims
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1. For a payment processing network that includes a plurality of merchants and consumers engaging in a plurality of transactions on a plurality of respective consumer accounts that respective issuers issue to the consumers, each said transaction involving an electronic coupon associated with a sponsor account issued by an issuer, wherein the merchant submits the transaction to an acquirer for processing by a transaction handler who requests the issuer to obtain payment for a discount applied by the merchant to the transaction from the sponsor account, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to reimburse the merchant for the discount given on the transaction, a method comprising:
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browsing, using a cellular telephony capability of a web enabled client, via a browser executed by the web enabled client to an Internet website in communication with a web service having a database with a plurality of electronic coupons each; being associated with a sponsor account issued to a sponsor of a discount by one said an issuer; and for being receivable by one said merchant to give the discount on a purchase, wherein the discount is to be debited from the sponsor account and credited to one said merchant account issued by another said issuer to the one said merchant to reimburse the one said merchant for the discount; sending, using the cellular telephony capability of the web enabled client, from the browser; a selection of at least one said electronic coupon; and a specification including; a rendering capability of the web enabled client to render a soft copy of the at least one said electronic coupon on a display with which the web enabled client is in communication; a type of a portable coupon device, associated with one said consumer account issued by another said issuer, and acceptable as payment for a future said purchase to be made on the consumer account; and an identifier for the one said consumer account to be debited for the payment for the future said purchase less the discount; receiving, using the cellular telephony capability of the web enabled client, at the browser and in response to the sending; a rendering image corresponding to the rendering capabilities of the web enabled client to render the soft copy of the at least one said electronic coupon on the display with which the web enabled client is in communication; a memory location to store discount information in a memory of the type of the portable coupon device; and discount information including an identifier for; the sponsor account; the discount amount; and the purchase that is eligible for the discount from the merchant and including at least one of a good and a service; and writing, using a near field communication capability of the web enabled client, to the memory location in the memory of the portable coupon device the discount information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A web enabled client comprising:
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a browser for browsing to an Internet website in communication with a web service having a database with a plurality of electronic coupons each; being associated with a sponsor account issued to a sponsor of a discount by one said an issuer; and for being receivable by a merchant to give the discount on a purchase, wherein the discount is to be debited from the sponsor account and credited to a merchant account issued by another said issuer to the merchant to reimburse the merchant for the discount; a means for sending from the browser; a selection of at least one said electronic coupon; and a specification including; a rendering capability of the web enabled client to render a soft copy of the at least one said electronic coupon on a display with which the web enabled client is in communication; a type of a portable coupon device, associated with one said consumer account issued by another said issuer, and acceptable as payment for a future said purchase to be made on the consumer account; and an identifier for the one said consumer account to be debited for the payment for the future said purchase less the discount; a means for receiving at the browser; a rendering image corresponding to the rendering capabilities of the web enabled client to render the soft copy of the at least one said electronic coupon on the display with which the web enabled client is in communication; a memory location to store discount information in a memory of the type of the portable coupon device; and discount information including an identifier for; the sponsor account; the discount amount; and the purchase that is eligible for the discount from the merchant and including at least one of a good and a service; and a means for writing to the memory location in the memory of the portable coupon device the discount information. - View Dependent Claims (10, 11, 12)
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13. For a payment processing network that includes a plurality of merchants and consumers engaging in a plurality of transactions on a plurality of respective consumer accounts that respective issuers issue to the consumers, each said transaction involving an electronic coupon associated with a sponsor account issued by an issuer, wherein the merchant submits the transaction to an acquirer for processing by a transaction handler who requests the issuer to obtain payment for a discount applied by the merchant to the transaction from the sponsor account, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to reimburse the merchant for the discount given on the transaction, a method comprising:
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providing a portable coupon device for reading by a point of service terminal (POS), the portable coupon device; being associated with one said consumer account issued by one said issuer, and acceptable as payment for a future said purchase to be made on the consumer account, the consumer account; and having a memory of the portable coupon device, wherein stored on the memory of the portable coupon device is; an electronic coupon; being associated with a sponsor account issued to a sponsor of a discount by one said an issuer; and for being receivable by one said merchant to give the discount on a purchase, wherein the discount is to be debited from the sponsor account and credited to one said merchant account issued by another said issuer to the one said merchant to reimburse the one said merchant for the discount; and discount information including an identifier for; the sponsor account; a discount amount; and the purchase that is eligible for the discount from the merchant and including at least one of a good and a service; wherein the memory of the portable coupon device is to be read, thereby providing the POS with at least part of the discount information sufficient to start the process of; debiting the consumer account for the price of the purchase less the discount amount; and debiting the sponsor account for the discount amount; and crediting the merchant account for the discount amount. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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Specification