System and method for managing transactions with a portable computing device
First Claim
1. A method for managing transactions with a transaction controller and a client portable computing device, the method comprising:
- managing the client portable computing device with the transaction controller;
verifying by the transaction controller coupled to the client portable device user credentials of a user of the client portable computing device, wherein the credentials are received from the client portable computing device over a computer communications network;
receiving by the transaction controller a merchant identifier corresponding to a merchant, wherein the merchant identifier is received by the transaction controller from the client portable computing device over the communications network,comparing by the transaction controller the merchant identifier against loyalty account data associated with the credentials and stored in a transaction controller database;
identifying by the transaction controller and sending any matches of the merchant identifier to loyalty account data over the computer communications network to a merchant device associated with the merchant, wherein the merchant device applies at least one of a discount or benefit to a purchase transaction based on the loyalty account data; and
generating by the transaction controller and transmitting a message to the client portable computing device over the computer communications network that lists one or more preferred payment options that may be selected to complete the modified purchase transaction.
4 Assignments
0 Petitions
Accused Products
Abstract
A method and system include verifying credentials for gaining access to a transactional controller with the portable computing device. The transactional controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The transactional controller may also receive product scan data and compare the product scan data against one of offer data and coupon data in a database. After these comparisons, any matches of product scan data to offer data or coupon data may be sent to the PCD and the POS controller. Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the POS controller. During or after the purchase transaction, a message may be generated by the transaction controller which lists one or more preferred payment options that may be selected using the PCD to complete a purchase.
68 Citations
40 Claims
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1. A method for managing transactions with a transaction controller and a client portable computing device, the method comprising:
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managing the client portable computing device with the transaction controller; verifying by the transaction controller coupled to the client portable device user credentials of a user of the client portable computing device, wherein the credentials are received from the client portable computing device over a computer communications network; receiving by the transaction controller a merchant identifier corresponding to a merchant, wherein the merchant identifier is received by the transaction controller from the client portable computing device over the communications network, comparing by the transaction controller the merchant identifier against loyalty account data associated with the credentials and stored in a transaction controller database; identifying by the transaction controller and sending any matches of the merchant identifier to loyalty account data over the computer communications network to a merchant device associated with the merchant, wherein the merchant device applies at least one of a discount or benefit to a purchase transaction based on the loyalty account data; and generating by the transaction controller and transmitting a message to the client portable computing device over the computer communications network that lists one or more preferred payment options that may be selected to complete the modified purchase transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer system for managing transactions with a transaction controller and a client portable computing device, the system comprising:
the transaction controller coupled to the client portable device and programmed to; manage the client portable computing device; verify user credentials of a user of the client portable computing device, wherein the credentials are received from the client portable computing device; receive a merchant identifier corresponding to a merchant, wherein the merchant identifier is received by the transaction controller from the client portable computing device; compare the merchant identifier against loyalty account data associated with the credentials and stored in a transaction controller database; identify and send any matches of the merchant identifier to loyalty account data to a merchant device associated with the merchant, wherein the merchant device applies at least one of a discount or benefit to a purchase transaction based on the loyalty account data; and generate and transmit a message to the client portable computing device that lists one or more preferred payment options that may be selected to complete the modified purchase transaction. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A computer system for managing transactions with a transaction controller and a client portable computing device, the system comprising:
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transaction controller means coupled to the client portable computing device for managing the client portable computing device; transaction controller means coupled to the client portable device for verifying user credentials for gaining access to the transactional controller, wherein the credentials are received from the client portable computing device over a communications network; transaction controller means coupled to the client portable device for receiving a merchant identifier corresponding to a merchant, wherein the merchant identifier is received by the transaction controller means from the client portable computing device over the communications network; transaction controller means coupled to the client portable device for comparing the merchant identifier against loyalty account data associated with the credentials and stored in a transaction controller database; transaction controller means coupled to the client portable device for identifying and sending any matches of the merchant identifier to loyalty account data over the computer communications network to a merchant device associated with the merchant, wherein the merchant device applies at least one of a discount or benefit to a purchase transaction based on the loyalty account data; and transaction controller means coupled to the client portable device for generating and transmitting a message to the client portable computing device over the communications network that lists one or more preferred payment options that may be selected to complete the modified purchase transaction. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A computer program product comprising a non-transitory computer usable medium having a computer readable program code embodied therein, said computer readable program code adapted to be executed to implement a method for managing transactions with a transaction controller and a client portable computing device, said method comprising:
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managing the client portable computing device with the transaction controller; verifying user credentials for gaining access to a transactional controller coupled to the client portable device, wherein the credentials are received from the client portable computing device over a computer communications network; receiving by the transaction controller a merchant identifier corresponding to a merchant, wherein the merchant identifier is received by the transaction controller from the client portable computing device over the communications network; comparing by the transaction controller the merchant identifier against loyalty account data associated with the credentials and stored in a transaction controller database; identifying by the transaction controller and sending any matches of the merchant identifier to loyalty account data over the computer communications network to a merchant device associated with the merchant, wherein the merchant device applies at least one of a discount or benefit to a purchase transaction based on the loyalty account data; and generating by the transaction controller and transmitting a message to the client portable computing device over the communications network that lists one or more preferred payment options that may be selected to complete the modified purchase transaction. - View Dependent Claims (32, 33, 34, 35, 36, 37, 38, 39, 40)
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Specification