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System and method for value creation

  • US 7,213,742 B1
  • Filed: 12/14/2004
  • Issued: 05/08/2007
  • Est. Priority Date: 03/20/2003
  • Status: Expired due to Term
First Claim
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1. A computerized system for processing consumer transactions comprising:

  • (a) a personal trusted device comprising;

    (1) a computerized engine;

    (2) a point of sale wallet comprising at least one transaction payment method; and

    (3) a communications technology; and

    (b) a back-end processing system;

    wherein said computerized engine is configured to receive and store an electronic receipt for at least one mobile commerce transaction;

    said computerized engine transmits electronic receipts to said back-end processing system through said communications technology; and

    said computerized engine is programmed to selectively implement a cross-device discount associated with said mobile commerce transaction.

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