SYSTEMS AND METHODS FOR FACILITATING PURCHASES AT A GAS STATION VIA MOBILE COMMERCE

• US 20140074605A1
• Filed: 09/11/2013
• Published: 03/13/2014
• Est. Priority Date: 09/11/2012
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Sanchez, J. Scott, Royyuru, Vijay Kumar, Adkisson, Brent Dewayne
• Application Number:
  US14/024,361
• Publication Number:
  US 20140074605A1
• Time in Patent Office: Days
• US Class Current: 705/14.53
• CPC Class Codes: B60S 3/00 Vehicle cleaning apparatus not integral with vehicles cleaning in general B08B; cleaning peculiar to waterborne vessels B63B57/00, B63B59/00; ground equipment for cleaning aircraft B64F5/30
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0625 Directed, with specific intent or strategy
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: H04L 63/083 : using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226

Abstract

Systems and methods are provided for facilitating purchases at a gas station via mobile commerce. A merchant system can receive an indication that a consumer is at or near the merchant location and can check the consumer into the location. A mobile application can launch and provide the merchant system with consumer identification information. While a consumer makes a purchase at a location, the merchant system can select advertising to provide to the consumer on the consumer mobile device to convince the consumer to make additional purchases at the merchant location. In addition, the consumer can make additional purchases from the merchant system while, for example, pumping gas and can be provided with a code or other identify to provide the consumer with access to those additional products once they have completed the gas purchase.

Claims

1. A computer-implemented method for facilitating a purchase of a product from a merchant from a consumer'"'"'s mobile device, the method comprising:

transmitting, by a merchant device comprising one or more processors to the consumer mobile device, a request for a selection of a product or service for purchase from the merchant;

receiving, by the merchant device from the consumer mobile device, a selection of at least one product or service;

receiving, by the merchant device from the consumer mobile device, a selected payment method for the selected at least one product or service;

processing, by the merchant device, a purchase transaction for the selected at least one product or service with the selected payment method;

transmitting, by the merchant device to the consumer mobile device, a notification of approval of the purchase transaction; and

facilitating access, by the merchant device, to the selected at least one product or service in response to the approval of the purchase transaction.

2. The computer-implemented method of claim 1, further comprising:

receiving, by the merchant device, an indication that a consumer is within a predefined distance of a merchant location; and

receiving, by the merchant device from the consumer mobile device, consumer identification information for the consumer.

3. The computer-implemented method of claim 2, further comprising:

determining, by the merchant device, a purchase history for the consumer based at least in part on the identification information for the consumer;

selecting, by the merchant device, at least one advertisement based at least in part on the purchase history of the consumer; and

transmitting, by the merchant device to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.

4. The computer-implemented method of claim 2, further comprising:

determining, by the merchant device, demographic information for the consumer based at least in part on the consumer identification information;

selecting, by the merchant device, at least one advertisement based at least in part on the demographic information for the consumer; and

transmitting, by the merchant device to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.

5. The computer-implemented method of claim 1, further comprising:

wherein the request for the selection of the product or service for purchase comprises a request for identification of a pump from which the consumer wants to pump gas,

wherein receiving the selection of the at least one product or service comprises an identification of gas pump at the merchant location, and

wherein facilitating access to the selected at least one product or service comprises transmitting, by the merchant device, a signal to the identified gas pump to unlock the gas pump.

6. The computer-implemented method of claim 1, further comprising:

wherein the selected payment method comprises payment card transaction information;

determining, by the merchant device, consumer identification information based at least in part on the payment card transaction information;

determining, by the merchant device, contact information for a mobile device of the consumer based at least in part on the determined consumer identification information; and

transmitting, by the merchant device, a notification to the mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.

7. The computer-implemented method of claim 1, further comprising:

receiving, by the merchant device from a consumer at an input communicably coupled to the merchant device, a phone number associated with the consumer;

determining, by a merchant device, the consumer mobile device associated with the phone number; and

transmitting, by the merchant device, a notification to the consumer mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.

8. The method of claim 1, further comprising:

providing a scannable code at a merchant location;

receiving, by merchant device, the code from a consumer mobile device;

identifying, by the merchant device, a gas station mobile payment application program based at least in part on the received code;

facilitating, by the merchant device, access to the gas station mobile payment application program; and

receiving, by the merchant device, consumer identification information via the gas station mobile payment application program.

9. A computer-implemented method of claim 1, further comprising:

transmitting, by the merchant device, an access code to the consumer mobile device, the access code providing access to the selected at least one product or service.

10. A computer-implemented method of claim 1, wherein the selected at least one product or service comprises a car wash and wherein the method further comprises:

transmitting, by the merchant device to the consumer mobile device, an access code, the access code facilitating the initiation of the car wash;

receiving, by the merchant device from the consumer mobile device, the access code, wherein the merchant device is communicably coupled to the car wash; and

initiating, by the merchant device, the car wash in response to receiving the access code at the merchant device.

11. The computer-implemented method of claim 1, wherein the selected payment method comprises payment card transaction information and wherein the method further comprises:

determining, by the merchant device, consumer identification information for the consumer based at least in part on the payment card transaction information;

determining, by the merchant device, a demographic characteristic for the consumer based at least in part on the consumer identification information;

selecting, by the merchant device, at least one advertisement based at least in part on the demographic characteristic of the consumer; and

transmitting, by the merchant device to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.

12. The computer-implemented method of claim 1, wherein the selected payment method comprises payment card transaction information and wherein the method further comprises:

determining, by the merchant device, consumer identification information for the consumer based at least in part on the payment card transaction information;

determining, by the merchant device, a purchase history for the consumer at the merchant based at least in part on the consumer identification information;

selecting, by the merchant device, at least one advertisement based at least in part on the purchase history of the consumer at the merchant; and

transmitting, by the merchant device to the consumer mobile device, the selected at least one advertisement for display on the consumer mobile device.

13. A system comprising:

at least one memory storing computer-executable instructions; and

at least one processor, wherein the at least one processor is configured to access the at least one memory and to execute the computer-executable instructions to;

direct communication of a request for a selection of a product or service for purchase from the merchant to a consumer mobile device;

receive, from the consumer mobile device, a selection of at least one product or service;

receive, from the consumer mobile device, a selected payment method for the selected at least one product or service;

facilitate the processing of a purchase transaction for the selected at least one product or service with the selected payment method;

direct communication of a notification of approval of the purchase transaction to the consumer mobile device; and

facilitate access to the selected at least one product or service in response to the approval of the purchase transaction.

14. The system of claim 13, wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive an indication that a consumer is within a predefined distance of a merchant location; and

receive, from the consumer mobile device, consumer identification information for the consumer.

15. The system of claim 14, wherein the at least one processor is further configured to execute the computer-executable instructions to:

determine a purchase history for the consumer based at least in part on the identification information for the consumer;

select at least one advertisement based at least in part on the purchase history of the consumer; and

direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device.

16. The system of claim 14, wherein the at least one processor is further configured to execute the computer-executable instructions to:

determine demographic information for the consumer based at least in part on the consumer identification information;

select at least one advertisement based at least in part on the demographic information for the consumer; and

direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device.

17. The system of claim 13, wherein the request for the selection of the product or service for purchase comprises a request for identification of a pump from which the consumer wants to pump gas, wherein receiving the selection of the at least one product or service comprises an identification of gas pump at the merchant location, and wherein facilitating access to the selected at least one product or service comprises directing communication of a signal to the identified gas pump to unlock the gas pump.

18. The system of claim 13, wherein the selected payment method comprises payment card transaction information and wherein the at least one processor is further configured to execute the computer-executable instructions to:

determine consumer identification information based at least in part on the payment card transaction information;

determine contact information for a mobile device of the consumer based at least in part on the determined consumer identification information; and

direct communication of a notification to the mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.

19. The system of claim 13, wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive, from a consumer at an input communicably coupled to the merchant device, a phone number associated with the consumer;

determine the consumer mobile device associated with the phone number; and

direct communication of a notification to the consumer mobile device of receipt of at least one of a loyalty reward, loyalty points, or a coupon based at least in part on a completion of the purchase transaction.

20. The system of claim 13, wherein a scannable code is provided at a merchant location and wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive the code from a consumer mobile device;

identify a gas station mobile payment application program based at least in part on the received code;

facilitate access to the gas station mobile payment application program; and

receive consumer identification information via the gas station mobile payment application program.

21. The system of claim 13, wherein the at least one processor is further configured to execute the computer-executable instructions to direct communication of an access code to the consumer mobile device, the access code providing access to the selected at least one product or service.

22. The system of claim 13, wherein the at least one processor is further configured to execute the computer-executable instructions to:

direct communication of an access code to the consumer mobile device, the access code facilitating the initiation of the car wash;

receive, from the consumer mobile device, the access code, wherein the merchant device is communicably coupled to the car wash; and

initiate the car wash in response to receiving the access code at the merchant device.

23. The system of claim 13, wherein the selected payment method comprises payment card transaction information and wherein the at least one processor is further configured to execute the computer-executable instructions to:

determine consumer identification information for the consumer based at least in part on the payment card transaction information;

determine a demographic characteristic for the consumer based at least in part on the consumer identification information;

select at least one advertisement based at least in part on the demographic characteristic of the consumer; and

direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device.

24. The system of claim 13, wherein the selected payment method comprises payment card transaction information and wherein the at least one processor is further configured to execute the computer-executable instructions to:

determine consumer identification information for the consumer based at least in part on the payment card transaction information;

determine a purchase history for the consumer at the merchant based at least in part on the consumer identification information;

select at least one advertisement based at least in part on the purchase history of the consumer at the merchant; and

direct communication of the selected at least one advertisement to the consumer mobile device for display on the consumer mobile device.