System and method for facilitating mobile commerce
First Claim
1. A computer-implemented method comprising:
- receiving pre-approval data, by a computer based system for facilitating a purchase of an item using a wireless device, wherein said pre-approval data qualifies a user to be able to agree to purchase an item without the transmission of payment information in response to a purchase;
issuing, by said computer based system, pre-approval status to said user in response to receiving an account number on a transaction card;
transmitting, by said computer based system, a notification of an offer for sale of an item;
receiving, by said computer based system, an agreement to purchase said item and to initiate a purchase transaction;
transmitting, by said computer based system, a confirmation in response to acceptance of said agreement;
processing, by said computer based system, a payment for said item using a medium related to said transaction card for said item, in response to acceptance of said agreement; and
wherein said step of receiving an agreement to purchase said item comprises receiving an indication to initiate a purchase transaction using a portion of loyalty points, wherein said medium related to said transaction card is loyalty points.
1 Assignment
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Accused Products
Abstract
A system and method for facilitating the purchase of goods and/or services between the holder of a wireless communications device and a commerce system is disclosed. The system enables consumers who wish to participate in promotional sales offers to register with a mobile commerce system. Consumers may further define the types of items that they are interested in purchasing. Prior to the start of a promotion, the system sends a text message alert to registered consumers, giving them an opportunity to opt-in via text message from a wireless communications device. When the promotion is activated, the opted-in consumers are alerted via text message and are given an opportunity to send a text message back to the system indicative of a desire to purchase the promotional item. If defined conditions are met, the consumer'"'"'s financial account is debited in the amount of the purchase and the consumer is instructed as to how to acquire their purchase.
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Citations
21 Claims
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1. A computer-implemented method comprising:
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receiving pre-approval data, by a computer based system for facilitating a purchase of an item using a wireless device, wherein said pre-approval data qualifies a user to be able to agree to purchase an item without the transmission of payment information in response to a purchase; issuing, by said computer based system, pre-approval status to said user in response to receiving an account number on a transaction card; transmitting, by said computer based system, a notification of an offer for sale of an item; receiving, by said computer based system, an agreement to purchase said item and to initiate a purchase transaction; transmitting, by said computer based system, a confirmation in response to acceptance of said agreement; processing, by said computer based system, a payment for said item using a medium related to said transaction card for said item, in response to acceptance of said agreement; and wherein said step of receiving an agreement to purchase said item comprises receiving an indication to initiate a purchase transaction using a portion of loyalty points, wherein said medium related to said transaction card is loyalty points. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A commerce management utility comprising:
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a non-transitory memory in communication with a processor for facilitating a purchase of an item using a wireless device; the processor, in response to executing a computer program, is configured to; receive, by said processor, pre-approval data and to issue pre-approval status to a user in response to receiving an account number on a transaction card, wherein said pre-approval data qualifies said user to be able to agree to purchase an item without transmission of payment information in response to a purchase; transmit, by said processor, a notification of offers for sale of an item; receive, by said processor, from said user an agreement to purchase said item and to initiate a purchase transaction; transmit, by said processor, via a messaging gateway, a confirmation in response to said agreement being accepted; process a payment for said item using a medium related to said transaction card for said item in response to acceptance of said agreement; and receive an indication to initiate a purchase transaction using a portion of loyalty points, wherein said medium related to said transaction card is loyalty points. - View Dependent Claims (17, 18, 19)
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20. A non-transitory computer readable storage medium containing a set of instructions that in response to being executed by a computing device for facilitating a purchase of an item cause the computing device to perform operations comprising:
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submitting, by a computer based system, pre-approval date including an account number on a transaction card to a host, wherein said pre-approval date qualifies a user to be able to agree to purchase an item without the transmission of payment information in response to a purchase of said item using a wireless device; obtaining, by a computer based system, pre-approval status, receiving, by a computer bases system, from a host, a notification of offers for sale of an item, transmitting, by a computer based system, to said host, an indication of interest to receive additional notifications in response to said item being offered for sale; transmitting, by a computer based system, to said host, an agreement to purchase said item and to initiate a purchase transaction; receiving a confirmation in response to said agreement being accepted; processing a payment for said item using a medium related to said transaction card for said item, in response to acceptance of said agreement; and wherein said step of receiving an agreement to purchase said item comprises receiving an indication to initiate a purchase transaction using a portion of loyalty points, wherein said medium related to said transaction card is loyalty points. - View Dependent Claims (21)
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Specification