SYSTEM AND METHOD FOR FACILITATING MOBILE COMMERCE
First Claim
1. A computer-implemented method comprising:
- issuing, by a computer based system for facilitating a purchase of an item, pre-approval status to a user in response to receiving an account code associated with a transaction account and in response to pre-approval data, wherein said pre-approval data qualifies a user to be able to agree to purchase said item without a need to transmit payment information in response to a purchase;
receiving, by said computer based system, an agreement to purchase said item and to initiate a purchase transaction using loyalty points, in response to a notification of an offer for sale of said item;
transmitting, by said computer based system, a confirmation in response to acceptance of said agreement; and
processing, by said computer based system and in response to acceptance of said agreement, a payment for said item using loyalty points.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method for facilitating the purchase of goods and/or services between the holder of a wireless communications device and a commerce system is disclosed. The system enables consumers who wish to participate in promotional sales offers to register with a mobile commerce system. Consumers may further define the types of items that they are interested in purchasing. Prior to the start of a promotion, the system sends a text message alert to registered consumers, giving them an opportunity to opt-in via text message from a wireless communications device. When the promotion is activated, the opted-in consumers are alerted via text message and are given an opportunity to send a text message back to the system indicative of a desire to purchase the promotional item. If defined conditions are met, the consumer'"'"'s financial account is debited in the amount of the purchase and the consumer is instructed as to how to acquire their purchase.
38 Citations
20 Claims
-
1. A computer-implemented method comprising:
-
issuing, by a computer based system for facilitating a purchase of an item, pre-approval status to a user in response to receiving an account code associated with a transaction account and in response to pre-approval data, wherein said pre-approval data qualifies a user to be able to agree to purchase said item without a need to transmit payment information in response to a purchase; receiving, by said computer based system, an agreement to purchase said item and to initiate a purchase transaction using loyalty points, in response to a notification of an offer for sale of said item; transmitting, by said computer based system, a confirmation in response to acceptance of said agreement; and processing, by said computer based system and in response to acceptance of said agreement, a payment for said item using loyalty points. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
-
-
19. A system comprising:
-
a processor for facilitating a purchase of an item, a tangible, non-transitory memory configured to communicate with said processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by said processor, cause said processor to perform operations comprising; issuing, by said processor, pre-approval status to a user in response to receiving an account code associated with a transaction account and in response to pre-approval data, wherein said pre-approval data qualifies a user to be able to agree to purchase said item without a need to transmit payment information in response to a purchase; receiving, by said processor, an agreement to purchase said item and to initiate a purchase transaction using loyalty points, in response to a notification of an offer for sale of said item; transmitting, by said processor, a confirmation in response to acceptance of said agreement; and processing, by said processor and in response to acceptance of said agreement, a payment for said item using loyalty points.
-
-
20. An article of manufacture including a non-transitory, tangible computer readable medium having instructions stored thereon that, in response to execution by a computer-based system for facilitating a purchase of an item, cause said computer-based system to perform operations comprising:
-
issuing, by said computer based system, pre-approval status to a user in response to receiving an account code associated with a transaction account and in response to pre-approval data, wherein said pre-approval data qualifies a user to be able to agree to purchase said item without a need to transmit payment information in response to a purchase; receiving, by said computer based system, an agreement to purchase said item and to initiate a purchase transaction using loyalty points, in response to a notification of an offer for sale of said item; transmitting, by said computer based system, a confirmation in response to acceptance of said agreement; and processing, by said computer based system and in response to acceptance of said agreement, a payment for said item using loyalty points.
-
Specification