Method and/or system for extending payment system architectures and/or order processing systems to assign merchant funded incentive options to customers performing a mobile remote check deposit capture (MRDC) routine from a smart mobile device to facilitate online commerce, online-to-offline (O2O) commerce and mobile commerce.

• US 20130268337A1
• Filed: 08/22/2012
• Published: 10/10/2013
• Est. Priority Date: 08/29/2011
• Status: Abandoned Application

• Current Assignee: Morello, Anthony
• Original Assignee: Morello, Anthony
• Inventors: Morello, Anthony
• Application Number:
  US13/591,415
• Publication Number:
  US 20130268337A1
• Time in Patent Office: Days
• US Class Current: 705/14.23
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02

Abstract

Method and/or system for extending payment system architectures and/or order processing systems to assign merchant funded incentive options to customers performing a mobile remote check deposit capture (MRDC) routine from a smart mobile device to facilitate online commerce, online-to-offline (O2O) commerce and mobile commerce includes:

• • a) means for Receiving Check, Geographic Location, Device and Payment Instrument Information
  • b) means for Presenting Third Party Merchant Funded Incentive Offers
  • c) means for Receiving Confirmation of Acceptance of Merchant Funded Incentive Offer
  • d) means for Parsing Confirmation of Acceptance of Merchant Funded Incentive Offer
  • e) means for Collecting Remittance Funds
  • f) means for Establishing Payment Instrument and Delivery Information
  • g) means for Generating an Order
  • h) means for Submitting an Order to Merchant
  • i) means for Delivering an Order Confirmation

Claims

1. A method of conducting a commercial transaction, said method comprising:

a) Responsive to the initiation of a mobile remote deposit capture (MRDC) routine by a customer, a means for Receiving Check, Geographic Location, Device and Payment Instrument Information via “

in-app”

message, text, short message service (SMS) message or similar electronic communication from within an MRCD application (mobile app) or Financial Institution mobile application messages (in-app message), or similar electronic communication from consumers performing a mobile remote deposit from a smart mobile device or similar device capable of depositing a check remotely to one or more financial institutions and “

exchanging”

the remittance funds for and/or otherwise purchasing a third party goods and/or services merchant funded incentive offer, including an identification and details of the a) check being deposited via mobile remote deposit, b) identification of a device from which the electronic communication was sent, d) identification of location of the device from which the electronic communication was sent and e) identification and identification of payment instruments resident on said mobile device including eWallet, e-loyalty card, e-gift card or any other electronic instrument capable of being utilized for payment from a mobile device or similar capable of performing a mobile payment via Near Frequency Communication (NFC) or other electronic communication medium;

b) Responsive to Receiving Check, Geographic Location, Device and Payment Instrument Information, a means for Presenting Third Party Merchant Funded Incentive Offers via “

in-app”

messages, text, short message service (SMS) message or similar electronic communication representing information of at least one third party merchant funded incentive offer, to consumers performing a mobile remote deposit to one or more financial institutions, each of the messages including an identification, details and presentation of the third party goods and/or services merchant funded incentive being offered for consideration by the consumer in “

exchange”

for the remittance funds and/or otherwise purchase with a conventional payment instrument;

c) Responsive to Presenting Third Party Merchant Funded Incentive Offers, a means for Receiving Confirmation of Acceptance of Merchant Funded Incentive Offer via “

in-app”

message, text, short message service (SMS) message or similar electronic communication representing acceptance of at least one third party offer, from consumers performing a mobile remote deposit to one or more financial institutions, each of the messages being addressed to an address selected by the consumer if text or delivered via “

in-app”

messages or similar electronic communication and including an identification and details of the a) acceptance of terms of agreement of acceptance of said third party offer, b) identification of the third party goods and/or services incentive offer being redeemed in “

exchange”

for the remittance funds and/or otherwise purchase with a conventional payment instrument, c) identification of a device from which the electronic communication was sent and d) identification of location of the device from which the electronic communication was sent;

d) Responsive to Receiving of Confirmation of Acceptance of Merchant Funded Incentive Offer, a means for Parsing Confirmation of Acceptance of Merchant Funded Incentive Offer received via “

in-app”

message, text, short message service (SMS) message or similar electronic communication to extract the identification and details of a) check being deposited via mobile remote deposit (i.e. dollar value, etc.), b) identification of the third party goods and/or services incentive offer being redeemed in “

exchange”

for the remittance funds and/or otherwise purchase with a conventional payment instrument, c) the identification of existing payment instruments maintained on the device (i.e. e-gift card, e-wallet, etc.) and d) c) identification of a device from which the electronic communication was sent and d) identification of location of the device from which the electronic communication was sent;

e) Responsive to Receiving Confirmation of Acceptance of Merchant Funded Incentive Offer, a means for Collecting Remittance Funds based upon each received via “

in-app”

message, text, short message service (SMS) message or similar electronic communication whereby the check remittance funds, which are being deposited to one or more financial institutions via mobile remote deposit, are collected by a service provider as reimbursement for the third party offer accepted by the customer and paid for by system owner/operator on behalf of consumer if he/she is not paying by credit card or similar payment instrument;

f) Responsive to Collecting Remittance Funds, a means for Establishing Payment Instrument and Delivery Information related to a) a payment instrument (e.g. gift card, gift certificate or voucher) and/or data capable of being redeemed for at least one good or service provided by the third party such as an electronic code, promotional number, gift certificate number, or any other data capable of being communicated to the customer, b) physical or non-physical (i.e. email, etc.) address delivery information indicating where the funds are to be submitted or payment instrument be delivered, and c) routing and account number details for account where the MRDC is being deposited to in order to facilitate reimbursement for select transactions;

g) Responsive to Establishing Payment Instrument and Delivery Information, a means for Generating an Order for each received via “

in-app”

message, text, short message service (SMS) message or similar electronic communication including information of a) identification of the third party goods and/or services incentive offer being redeemed in “

exchange”

for the remittance funds and/or otherwise purchase with a conventional payment instrument, b) the incentive offer payment instrument selected, and c) remittance funds routing information or physical and/or non-physical address delivery information indicating where the funds are to be submitted or payment instrument be delivered;

h) Responsive to Generating an Order, a means for Submitting an Order to Merchant for the third party goods and/or services incentive offer being redeemed in “

exchange”

for the remittance funds and/or otherwise purchase with a conventional payment instrument, to a payment instrument order management system of the merchant;

i) Responsive to Submitting and Order to Merchant, a means for Delivering an Order Confirmation via “

in-app”

message, text, short message service (SMS) message or similar electronic communication to the customer information specific to the acceptance of the third party goods and/or services incentive offer being redeemed in “

exchange”

for the remittance funds and/or otherwise purchase with a conventional payment instrument.

2. The method of claim 1, responsive to an order being received by the Offers Presentation and Order Processing System/Server (“

Order System”

), the Order System submits a corresponding payment for processing to a payment processing network (“

Payment Network”

) if consumer chooses to pay by credit card or similar payment instrument.

3. The method of claim 1, responsive to an order being received by the Offers Presentation and Order Processing System/Server (“

Order System”

), the Order System submits a corresponding debit instruction for processing to a ACH processing network and/or mobile remote deposit capture service bureau (“

Service Bureau”

) if consumer chooses to pay with deposit account to which the check has been deposited via MRCD.

4. The method of claim 1, responsive to the consumer initiation of a mobile remote deposit capture (MRDC) routine being received by the Offers Presentation and Order Processing System/Server (“

Order System”

), the Order System submits various third party merchant incentive offers for display to customer via mobile device to a Service Bureau.

5. The method of claim 4, said method further comprising:

(j) receiving a signal from a merchant offers manager vendor (“

Offer Vendor”

);

(k) generating in response to the received signal an in-app message, text message, SMS message or similar electronic communication presenting merchant funded incentive offers based upon information provided by the Offer Vendor;

(l) sending the in-app message generated in step (k) to the device of the first party either directly or via a Service Bureau.

6. The method of claim 2, said method further comprising:

(l) receiving a signal from the Payment Network in response to the submitted payment instruction;

(m) generating in response to the received signal an in-app message, text message, SMS message or similar electronic communication requesting authentication credentials;

(n) sending the in-app message generated in step (m) to the device of the first party either directly or via a Service Bureau;

(m) receiving an in-app message reply containing authentication credentials from the first party'"'"'s device either directly or via a Service Bureau; and

, (o) forwarding the received authentication credentials to the Payment Network.

7. The method of claim 3, said method further comprising:

(l) receiving a signal from the Service Bureau in response to the submitted debit instruction;

(p) processing to a payment processing network (“

Payment Network”

) from the Order System for a corresponding payment.

8. The method of claim 1, further comprising:

maintaining a database of information for a plurality of first parties associated with respective smart mobile device and MRDC and/or Financial Institution App identifications, including a record for each first party containing a list of one or more payment instruments belonging to that first party and American Bankers Association (“

ABA”

) routing and transit number and account number for account to which the check is being deposited via the MRDC.

9. The method of claim 1, wherein the established delivery information is based upon the identification of the device received in step (a).

10. The method of claim 1, wherein the message is received via relay (i.e. via secure VPN, etc.) from a mobile application service bureau supporting a dedicated mobile banking/mobile remote deposit application session.

11. The method of claim 1, wherein the payment instrument selected in step (f) is identified in the electronic/in-app message received in step (a).

12. The method of claim 1, further comprising:

maintaining a database of information for a plurality of first parties associated with respective device identifications, including a record for each first party containing the delivery information for that first party.

13. The method of claim 1, wherein the delivery information is identified in the in app message received in step (f).

14. The method of claim 1, wherein the payment instrument selected in step (f) is identified in the mobile remote deposit application/mobile banking message received in step (a).

15. The method of claim 1, said method further comprising:

responsive to step (a), providing one or more merchant funded incentive offers for the purchase of a product and or service in a media received by the first party, said offer identifying how to purchase and pay for the product and or service using proceeds from the check being deposited or a credit card or other similar payment instrument.

16. The method of claim 15, wherein the media is a mobile device and mobile banking remote check deposit application user interface.

17. The method of claim 11, wherein step (f) comprises:

selecting the payment instrument from the record in the database corresponding to the first party associated with the identification of the device extracted in step (d).

18. The method of claim 8, wherein step (f) comprises:

obtaining the delivery information from the record in the database corresponding to the first party associated with the identification of the device extracted in step (d).

19. A mobile remote deposit application/mobile banking message order processing system comprising:

a computer server including memory, data storage devices and a central processing unit that is operable to;

receive mobile remote deposit application/mobile banking message messages from consumers purchasing products from one or more merchants, each of said mobile remote deposit application/mobile banking message messages including an identification of the merchant funded incentive offer being purchased and an identification of a device from which the mobile remote deposit application/mobile banking message was sent;

parse each mobile remote deposit application/mobile banking message to extract the identification of the product and the identification of the device from the mobile remote deposit application/mobile banking message;

select based upon each received mobile remote deposit application/mobile banking message a payment instrument to be used to pay for the purchase;

establish payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered;

generate for each received mobile remote deposit application/mobile banking message an order including the established payment information, delivery information and identification of the merchant funded incentive offer being purchased; and

, submit the generated order to an order management system of the merchant.

20. The mobile remote deposit application/mobile banking message order processing system of claim 19, wherein the merchant offer code included in the mobile remote deposit application/mobile banking message is used to identify the order management system of the merchant to which the order is to be submitted.