SYSTEM AND METHOD FOR INCORPORATING ONE-TIME TOKENS, COUPONS, AND REWARD SYSTEMS INTO MERCHANT POINT OF SALE CHECKOUT SYSTEMS

• US 20130054336A1
• Filed: 10/30/2012
• Published: 02/28/2013
• Est. Priority Date: 04/05/2011
• Status: Active Grant

• Current Assignee: Ingenico (Ingenico Group SA)
• Original Assignee: ROAM Data Incorporated (Ingenico Group SA)
• Inventors: GRAYLIN, WILL W.
• Granted Patent: US 10,580,049 B2
• Time in Patent Office: Days
• US Class Current: 705/14.26
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 63/0823 using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• CPC Class Codes: H04L 63/0838 using one-time-passwords
• CPC Class Codes: H04L 63/168 above the transport layer
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]

Abstract

A method for incorporating one-time-tokens, coupon and reward systems in conjunction with merchants'"'"' POS checkout systems in the physical or virtual environments includes providing a consumer computing device comprising an electronic wallet application, providing a One-time Token Redemption System(OTRS) and user electronic wallet accounts, logging into a user electronic wallet account through the electronic wallet application, sending a request for a one-time token valid for a specified time interval and then forwarding the request for the one-time token to the OTRS and upon approval sending the requested one-time token from the OTRS to the electronic wallet application. Next, presenting and entering the one-time token into a merchant point of sale checkout system within the specified time interval via the consumer computing device, sending the entered one-time token to a checkout application, and then processing payment via a secure payment application.

Claims

1. A method for using one-time tokens for completing a purchase transaction at a merchant point of sale checkout system comprising:

providing a consumer computing device comprising an electronic wallet application;

providing a One-time Token Redemption System(OTRS) and user electronic wallet accounts, and wherein said consumer computing device accesses said OTRS and said user electronic wallet accounts via a network connection;

logging into a user electronic wallet account through the electronic wallet application;

sending a request to the user electronic wallet account for a one-time token valid for a specified time interval;

forwarding the request for the one-time token to the OTRS and upon approval sending the requested one-time token from the OTRS to the electronic wallet application in the consumer computing device;

presenting and entering the one-time token into a merchant point of sale checkout system within the specified time interval via the consumer computing device;

sending the entered one-time token to a checkout application; and

processing payment via a secure payment application.

2. The method of claim 1, wherein the one-time token is linked to a specific payment instrument stored in the user electronic wallet account and wherein said payment is processed using the specific payment instrument.

3. The method of claim 1, wherein said logging comprises authenticating a user with a secure personal identification number (PIN).

4. The method of claim 1, further comprising receiving confirmation of payment and completing the purchase transaction.

5. The method of claim 1 further comprising providing a coupon and rewards offer system and wherein said OTRS communicates with said coupon and rewards offer system and checks the validity of presented coupons.

6. The method of claim 5, wherein said OTRS comprises a host system, an Application Programming Interface (API), a redemption application, and a validity check application, wherein said API is configured to allow said coupon and rewards offer system to tie to the redemption application.

7. The method of claim 1 further comprising providing a commerce gateway server comprising said checkout application, said secure payment application, said OTRS and said user electronic wallet accounts.

8. The method of claim 1 wherein said secure payment application comprises said user electronic wallet accounts and wherein said user electronic wallet accounts store payment instrument data, fulfillment data, demographics, loyalty information, and transaction history.

9. The method of claim 1 wherein said consumer computing device comprises one of mobile phone, PDA, payment module, portable computer, personal computer, set-top box, netbook, tablets, iPad, electronic reader, or an internet appliance.

18. The method of claim 1 wherein said consumer computing device comprises one of mobile phone, PDA, payment module, portable computer, personal computer, set-top box, netbook, tablets, iPad, electronic reader, or an internet appliance.

10. A method for using coupons and reward points for completing a purchase transaction at a merchant point of sale checkout system comprising:

providing a One-time Token Redemption System(OTRS), and a coupon and reward offer system;

presenting a coupon and entering coupon information into a merchant point of sale checkout system;

sending a request for payment via said coupon to said OTRS;

checking the validity of said coupon by said OTRS and upon receiving confirmation of the coupon validity sending the entered coupon information to a checkout application; and

processing payment with said coupon via a secure payment application.

11. The method of claim 10, wherein said OTRS checks the validity of said coupon by accessing said coupon and reward offer system.

12. The method of claim 10, wherein said OTRS checks the validity of said coupon by accessing a database storing copies of coupons issued by said coupon and reward offer system.

13. The method of claim 10, further comprising marking said coupon as “

used”

after said payment is processed.

14. The method of claim 10, wherein said coupon information is entered by scanning a paper coupon or manually.

15. The method of claim 10, further comprising providing a consumer computing device and storing said coupon information in said consumer computing device, and wherein said coupon information is transmitted electronically to said merchant point of sale checkout system.

16. The method of claim 10, further comprising providing user electronic wallet accounts and storing said coupon information in a user electronic wallet account, and wherein said coupon information is transmitted electronically to said merchant point of sale checkout system.

17. The method of claim 10, wherein said OTRS comprises a host system, an Application Programming Interface (API), a redemption application, and a validity check application, wherein said API is configured to allow said coupon and reward offer system to tie to the redemption application.

19. A system for completing a purchase transaction at a merchant point of sale checkout system with one-time tokens comprising:

a consumer computing device comprising an electronic wallet application;

a One-time Token Redemption System(OTRS) and user electronic wallet accounts, and wherein said consumer computing device accesses said OTRS and said user electronic wallet accounts via a network connection;

a checkout application;

a secure payment application;

means for logging into a user electronic wallet account through the electronic wallet application;

means for sending a request to the user electronic wallet account for a one-time token valid for a specified time interval;

means for forwarding the request for the one-time token to the OTRS and upon approval sending the requested one-time token from the OTRS to the electronic wallet application in the consumer computing device;

means for presenting and entering the one-time token into a merchant point of sale checkout system within the specified time interval via the consumer computing device;

means for sending the entered one-time token to the checkout application; and

means for processing payment via the secure payment application.

20. A system for completing a purchase transaction at a merchant point of sale checkout system with coupons and reward points comprising:

a One-time Token Redemption System(OTRS), and a coupon and reward offer system;

means for presenting a coupon and entering coupon information into a merchant point of sale checkout system;

means for sending a request for payment via said coupon to said OTRS;

means for checking the validity of said coupon by said OTRS and upon receiving confirmation of the coupon validity sending the entered coupon information to a checkout application; and

means for processing payment with said coupon via a secure payment application.