System and Method for Providing Incentives to Users for Using Payment Instruments to Complete Financial Transactions
First Claim
1. A computer-implemented method for providing incentives to users for using payment instruments to complete financial transactions, performed on a server having at least one processor and memory storing at least one program for execution by the at least one processor to perform the method, comprising:
- receiving, from a device, information identifying a user and a merchant;
identifying a set of payment instruments that are available to the user and that are associated with incentives to be provided by the merchant, a respective payment instrument in the set of the payment instruments being associated with at least one incentive to be provided by the merchant when the user uses the respective payment instrument to fulfill a financial transaction with the merchant; and
transmitting, to the device, information identifying at least a subset of the set of payment instruments and the corresponding incentives.
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Accused Products
Abstract
A system, computer-readable storage medium storing at least one program, and a computer-implemented method for providing incentives to users for using payment instruments to complete financial transactions is presented. Information identifying a user and a merchant is received from a device. A set of payment instruments that are available to the user and that are associated with incentives to be provided by the merchant are identified, where a respective payment instrument in the set of the payment instruments being associated with at least one incentive to be provided by the merchant when the user uses the respective payment instrument to fulfill a financial transaction with the merchant. Information identifying at least a subset of the set of payment instruments and the corresponding incentives is transmitted to the device.
21 Citations
26 Claims
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1. A computer-implemented method for providing incentives to users for using payment instruments to complete financial transactions, performed on a server having at least one processor and memory storing at least one program for execution by the at least one processor to perform the method, comprising:
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receiving, from a device, information identifying a user and a merchant; identifying a set of payment instruments that are available to the user and that are associated with incentives to be provided by the merchant, a respective payment instrument in the set of the payment instruments being associated with at least one incentive to be provided by the merchant when the user uses the respective payment instrument to fulfill a financial transaction with the merchant; and transmitting, to the device, information identifying at least a subset of the set of payment instruments and the corresponding incentives. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A system to provide incentives to users for using payment instruments to complete financial transactions, comprising:
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at least one processor; memory; and at least one program stored in the memory and executable by the at least one processor, the at least one program comprising instructions to; receive, from a device, information identifying a user and a merchant; identify a set of payment instruments that are available to the user and that are associated with incentives to be provided by the merchant, a respective payment instrument in the set of the payment instruments being associated with at least one incentive to be provided by the merchant when the user uses the respective payment instrument to fulfill a financial transaction with the merchant; and transmit, to the device, information identifying at least a subset of the set of payment instruments and the corresponding incentives. - View Dependent Claims (16, 17, 18, 19, 20)
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21. A non-transitory computer readable storage medium storing at least one program configured for execution by at least one processor of a computer system, the at least one program comprising instructions to:
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receive, from a device, information identifying a user and a merchant; identify a set of payment instruments that are available to the user and that are associated with incentives to be provided by the merchant, a respective payment instrument in the set of the payment instruments being associated with at least one incentive to be provided by the merchant when the user uses the respective payment instrument to fulfill a financial transaction with the merchant; and transmit, to the device, information identifying at least a subset of the set of payment instruments and the corresponding incentives. - View Dependent Claims (22)
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23. A system to provide incentives to users for using alternative payment instruments to complete financial transactions, comprising:
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at least one processor; memory; and at least one program stored in the memory and executable by the at least one processor, the at least one program comprising instructions to; receive, from a point-of-sale device for a merchant, transaction information for a financial transaction between a user and a merchant, the transaction information including information for a first payment instrument to be used by the user to complete the financial transaction with the merchant and an amount of the financial transaction; determine one or more of alternative payment instruments and corresponding incentives to be provided to the user for using the one or more alternative payment instruments in lieu of the first payment instrument to complete the financial transaction with the merchant; and transmit, to the point-of-sale device for the merchant, information identifying at least a subset of the one or more alternative payment instruments and the corresponding incentives to be provided to the user for using the one or more alternative payment instruments in lieu of the first payment instrument. - View Dependent Claims (24, 25, 26)
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Specification