SYSTEM AND METHOD OF USING LOAD NETWORK TO ASSOCIATE PRODUCT OR SERVICE WITH A CONSUMER TOKEN
First Claim
1. A method of enabling a consumer to purchase a product or service, comprising:
- receiving payment for the product or service from the consumer at a merchant, the merchant being an entity other than the provider of the product or service;
receiving identification data from the consumer;
operating an electronic data processor to generate an electronic message in a format transportable over a load network or payment processing network, the message including data identifying the provider of the product or service, data identifying the product or service, and data identifying the consumer; and
providing the generated message to the load network or payment processing network.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems, devices, apparatuses, and methods for conducting a transaction in which a consumer purchases a product or a service by providing payment to a merchant whom is not the provider of the product or service. The invention permits a consumer to present cash or a payment device (such as a credit card or debit card) to a merchant, where that merchant may be an element of a load network or payment processing network. In a typical load network transaction, the merchant would accept the cash or payment device from the consumer and use the funds provided to “load” or recharge an account of the consumer. However, instead of this use of the network, embodiments of the invention operate to allow the consumer to provide the source of payment to the merchant for a product or service offered by a third party which is accessed by the consumer using a consumer token.
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Citations
19 Claims
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1. A method of enabling a consumer to purchase a product or service, comprising:
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receiving payment for the product or service from the consumer at a merchant, the merchant being an entity other than the provider of the product or service; receiving identification data from the consumer; operating an electronic data processor to generate an electronic message in a format transportable over a load network or payment processing network, the message including data identifying the provider of the product or service, data identifying the product or service, and data identifying the consumer; and providing the generated message to the load network or payment processing network. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method of enabling a consumer to purchase a product or service, comprising:
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receiving a message over a load network or payment processing network; operating an electronic data processor to determine, based on data contained in the message, the product or service that the consumer has paid to purchase; operating the electronic data processor to determine, based on data contained in the message, identification data for the consumer; receiving identification data from a person wanting to obtain the product or service; comparing the identification data for the consumer to the identification data received from the person; and based on the comparison, providing the product or service to the person. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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16. One or more computer-readable media collectively having thereon computer-executable instructions that, when executed by one or more computers cause the one or more computers to collectively, at least
generate an electronic message in a format transportable over a load network or payment processing network, the message including data identifying the provider of a product or service, data identifying the product or service, and data identifying a consumer wanting to purchase the product or service; -
provide the generated message to the load network or payment processing network; receive the message over the load network or payment processing network; process the received message to determine, based on data contained in the message, the product or service that the consumer has paid to purchase; and process the received message to determine, based on data contained in the message, identification data for the consumer. - View Dependent Claims (17, 18, 19)
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Specification