SYSTEM AND METHOD FOR INCORPORATING ONE-TIME TOKENS, COUPONS, AND REWARD SYSTEMS INTO MERCHANT POINT OF SALE CHECKOUT SYSTEMS
First Claim
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.
3 Assignments
0 Petitions
Accused Products
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.
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Citations
20 Claims
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1. A method for using one-time tokens for completing a purchase transaction at a merchant point of sale checkout system comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 18)
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10. A method for using coupons and reward points for completing a purchase transaction at a merchant point of sale checkout system comprising:
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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. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17)
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19. A system for completing a purchase transaction at a merchant point of sale checkout system with one-time tokens comprising:
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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.
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20. A system for completing a purchase transaction at a merchant point of sale checkout system with coupons and reward points comprising:
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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.
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Specification