MOBILE PAYMENT DEVICE FOR CONDUCTING TRANSACTIONS ASSOCIATED WITH A MERCHANT OFFER PROGRAM
First Claim
1. A method for using a mobile communication device as the payment mechanism for a transaction associated with a merchant offer program, the method comprising:
- receiving, at a mobile communication device, authentication for a customer to participate in a merchant offer program;
receiving, at the mobile communication device, one or more merchant offers associated with the merchant offer program; and
communicating, from the mobile communication device to a merchant point-of-sale (POS) device, payment data for a transaction based on the customer'"'"'s acceptance of one of the merchant offers.
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Abstract
Embodiments of the invention provide for a mobile payment device used to conduct transactions associated with a merchant offer program. In specific embodiments, the mobile device is equipped with short range communication mechanisms or some other form of wireless communication that allows for the mobile device to communicate customer program verification data, offer data and/or necessary payment data to a properly configured Point-Of-Sale (POS) device, such as a cash register, card reader device or the like. In other embodiments of the invention, the mobile device is in network communication with the financial institution and the financial institution is in network communication with the merchant, such that, once the customer communicates to the financial institution acceptance of an offer and the desire to conduct the corresponding transaction, the financial institution can, in turn, communicate the necessary payment data to the merchant.
166 Citations
38 Claims
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1. A method for using a mobile communication device as the payment mechanism for a transaction associated with a merchant offer program, the method comprising:
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receiving, at a mobile communication device, authentication for a customer to participate in a merchant offer program; receiving, at the mobile communication device, one or more merchant offers associated with the merchant offer program; and communicating, from the mobile communication device to a merchant point-of-sale (POS) device, payment data for a transaction based on the customer'"'"'s acceptance of one of the merchant offers. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A mobile communication device configured for providing payment for a transaction associated with a merchant offer program, the mobile device comprising:
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a computing platform including at least one processor and a memory; a merchant offer program application stored in the memory, executable by the at least one processor and configured to receive authentication for a financial institution customer to participate in the merchant offer program and receive one or more merchant offers; and a payment routine configured to communicate payment data to a merchant point-of-sale (POS) device for a transaction based on the customer'"'"'s acceptance of one of the merchant offers. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A computer program product executed in a mobile communication device and comprising:
a non-transitory computer-readable medium comprising; a first set of codes for causing a computing processor in the mobile communication device to receive authentication for a customer to participate in a merchant offer program; a second set of codes for causing a computing processor in the mobile communication device to receive one or more merchant offers associated with the merchant offer program; and a third set of codes for causing a computing processor in the mobile communication device to communicate, from the mobile communication device to a merchant point-of-sale (POS) device, payment data for a transaction based on the customer'"'"'s acceptance of one of the merchant offers. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38)
Specification