Method and system for co-branding an electronic payment platform such as an electronic wallet
First Claim
1. A method of co-branding an electronic payment platform, comprising:
- providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant;
allowing the user to use the co-branded electronic payment platform for making a payment;
automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment; and
allowing the user to redeem the stored incentive award;
wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system storing digital payment tokens for the user.
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Accused Products
Abstract
A method and system of co-branding an electronic payment platform, such as an electronic wallet, makes use of computer hardware and software including, for example, one or more electronic wallet related servers controlled by a financial institution, which can be coupled over the Internet to a user'"'"'s personal computer and merchant'"'"'s website server. The electronic wallet is co-branded, for example, with the brand of the financial institution and the brand or brands of one or more cooperating merchants. The co-branded electronic payment platform makes use of a payment mechanism related, for example, to a credit card account of the user or digital payment tokens pre-allocated for the user. The user is given an incentive award for use of the co-branded electronic payment platform which is stored for the user and redeemable on one or more of the cooperating merchants.
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Citations
26 Claims
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1. A method of co-branding an electronic payment platform, comprising:
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providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant;
allowing the user to use the co-branded electronic payment platform for making a payment;
automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment; and
allowing the user to redeem the stored incentive award;
wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system storing digital payment tokens for the user. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method of co-branding an electronic payment platform, comprising:
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providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant;
allowing the user to use the co-branded electronic payment platform for making a payment;
automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment; and
allowing the user to redeem the stored incentive award;
wherein the co-branded electronic payment platform is controlled at least in part by the financial institution and in part by the at least one cooperating merchant; and
wherein providing the on-line access to the co-branded electronic payment platform further comprises providing the on-line access to the electronic payment platform with at least one of a link to a website of the cooperating merchant and an award point database of the cooperating merchant controlled by the cooperating merchant.- View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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Specification