IN-PERSON ONE-TAP PURCHASING APPARATUSES, METHODS AND SYSTEMS
First Claim
1. A method comprising:
- obtaining, by a mobile device, a product identifier for a potential purchase item based on an in-person capture of the product identifier at a retail store;
determining a price of the potential purchase item from a database associated with the retail store;
displaying, on the mobile device, an interface element operative to indicate consent from the consumer to charge an account of the consumer for the potential purchase item;
calculating a first risk score based on the price of the potential purchase item;
comparing the first risk score to a threshold value;
sending, from at least one server, a message to the mobile device based on the comparison of the first risk score to the threshold value, the message having an interface element operative to initiate a video chat session between the consumer and a customer service representative;
opening a video chat session based on a selection of the interface element in the message by the consumer;
calculating a second risk score based on the first risk score and the opening of the video chat session; and
receiving, at the mobile device, an electronic receipt for an approved purchase of the item.
2 Assignments
0 Petitions
Accused Products
Abstract
Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user'"'"'s smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat.
400 Citations
40 Claims
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1. A method comprising:
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obtaining, by a mobile device, a product identifier for a potential purchase item based on an in-person capture of the product identifier at a retail store; determining a price of the potential purchase item from a database associated with the retail store; displaying, on the mobile device, an interface element operative to indicate consent from the consumer to charge an account of the consumer for the potential purchase item; calculating a first risk score based on the price of the potential purchase item; comparing the first risk score to a threshold value; sending, from at least one server, a message to the mobile device based on the comparison of the first risk score to the threshold value, the message having an interface element operative to initiate a video chat session between the consumer and a customer service representative; opening a video chat session based on a selection of the interface element in the message by the consumer; calculating a second risk score based on the first risk score and the opening of the video chat session; and receiving, at the mobile device, an electronic receipt for an approved purchase of the item. - View Dependent Claims (2, 3, 4)
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5. A system comprising:
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a mobile device including a camera operable to capture a product identifier from a product; a network interface operable to look up a price using the product identifier and receive a message having an interface element; and a display operable to display an interface element operable to indicate consent from a consumer to purchase a product identified by the product identifier and operable to display the interface element in the message operable to initiate a video chat session between the consumer and a customer service representative; at least one server computer executing instructions in a computer program, the computer program instructions including; program code for calculating a first risk score based on the price; program code for calculating a second risk score based on the price and an opening of a video chat session between the consumer and the customer service representative; and program code for sending an electronic receipt for an approved purchase of the item. - View Dependent Claims (6)
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7. A method comprising:
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obtaining a product identifier for a potential purchase item based on an in-person capture of the product identifier by a mobile device of a consumer at a retail store; identifying a merchant for the potential purchase item, the merchant associated with the retail store; determining a price of the potential purchase item based on the merchant; obtaining, using the mobile device, consent from the consumer to purchase the item; initiating, using the mobile device, a purchase transaction with the identified merchant for the potential purchase item based on the consumer'"'"'s consent; receiving on the mobile device an electronic receipt having a merchant verifiable code, the receipt based on the purchase transaction; producing from the mobile device the verifiable code while the mobile device is proximate to a reader at the retail store; and receiving an indication that the verifiable code is valid. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A method comprising:
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obtaining a product identifier for a potential purchase item based on an in-person capture of the product identifier by a mobile device of a consumer at a retail store; determining a price of the potential purchase item; receiving consent from the consumer to charge an account of the consumer; charging the account of the consumer for a purchase of the item; receiving an indication that the charging of the account was successful; generating an electronic receipt having a verifiable code based on the received indication; sending the electronic receipt to the mobile device of the consumer; reading the verifiable code from the mobile device; verifying that the verifiable code read from the mobile device is valid; and sending an indication that the verifiable code is valid to allow the consumer to egress the retail store with the item. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A method comprising:
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receiving an authorization request from an acquirer for payment from a first payment account of a consumer to a merchant; determining an offer for using a second payment account associated with the consumer, the determining based on receiving the authorization request; sending the determined offer to the consumer; receiving a selection of the offer from the consumer; revising the authorization request to request a payment from the second payment account of the consumer; and sending the revised authorization request to an issuer associated with the second payment account. - View Dependent Claims (32, 33)
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34. A method comprising:
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receiving a first authorization request from an acquirer for payment from a payment account of a consumer to a first merchant; receiving a product identifier for an item to be purchased; determining an offer for a competing item or second merchant, the determining based on receiving the first authorization request and the received product identifier or first merchant; sending the offer to the consumer; receiving a selection of the offer from the consumer; canceling the first authorization request based on the received selection; generating a second authorization request for payment from the payment account of the consumer to the second merchant for the offer; and sending the second authorization request to an issuer associated with the payment account. - View Dependent Claims (35, 36)
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37. A method comprising:
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obtaining a product identifier for a potential purchase item based on an in-person capture of the product identifier by a mobile device of a consumer at a retail store; determining a price of the potential purchase item; receiving consent from the consumer to charge an account of the consumer; charging the account for a purchase of the item; receiving an indication that the charging of the account was successful; and sending an indication to an anti-theft system that the item is free to leave the retail store. - View Dependent Claims (38, 39, 40)
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Specification