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First Claim
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1. A computer-based method of managing electronic transactions, comprising:
- storing, with a processor, a plurality of merchant offers in a data store;
receiving, with the processor, a card number and a mobile phone number after storing the merchant offers;
storing, with the processor, the card number and mobile phone number in a consumer account in the data store after receiving the card number and mobile phone number;
transmitting, with the processor, at least one of the offers to a consumer mobile phone at the mobile phone number after storing the card number and mobile phone number in the account;
receiving, with the processor, a charge advisory over a network interface device after transmitting the offer to the consumer mobile phone, the charge advisory having a card number; and
applying, with the processor, the offer against an account having a card number that matches the card number in the charge advisory.
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Abstract
The invention provides a computer-based method of managing electronic transactions. A plurality of merchant accounts with offers are stored in a data store. A card number and a mobile phone number are then stored. Due to registration of the card number at least one of the offers is transmitted to a consumer mobile phone at the mobile phone number. A charge advisory is received after transmitting the offer to the consumer mobile phone. The offer is then applied against an account having a card number that matches a card number in the charge advisory.
19 Citations
20 Claims
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1. A computer-based method of managing electronic transactions, comprising:
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storing, with a processor, a plurality of merchant offers in a data store; receiving, with the processor, a card number and a mobile phone number after storing the merchant offers; storing, with the processor, the card number and mobile phone number in a consumer account in the data store after receiving the card number and mobile phone number; transmitting, with the processor, at least one of the offers to a consumer mobile phone at the mobile phone number after storing the card number and mobile phone number in the account; receiving, with the processor, a charge advisory over a network interface device after transmitting the offer to the consumer mobile phone, the charge advisory having a card number; and applying, with the processor, the offer against an account having a card number that matches the card number in the charge advisory. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer system for managing electronic transactions, comprising:
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a server computer system including; a processor; a computer-readable medium connected to the processor; and a set of instructions on the computer-readable medium, the set of instructions being executable by the processor and including; a data store; a plurality of merchant offers stored in the data store; a consumer account setup module receiving and storing a card number and an mobile phone number in a consumer account after storing the merchant offers, at least one of the offers being transmitted over the network interface device to a consumer mobile phone at the mobile phone number after storing the card number and mobile phone number in the account; a communication and routing module receiving a charge advisory over the network interface device after the offer is transmitted to the consumer mobile phone, the charge advisory having a card number, and a voucher application module that applies the offer against an account having a card number that matches the card number in the charge advisory. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification