Proximity detection, virtual detection, or location based triggering of the exchange of value and information
First Claim
1. A method for one or more servers to facilitate the transfer of stored value from one or more devices, cards, or accounts to a wireless device comprising the steps of:
- receiving, by said one or more of the servers, a first message associated with a first wireless device or associated with an entity associated with said first wireless device, wherein receiving said first message further causes an initiation of a database query by the server relating to an inventory of stored value assets;
receiving, by said one or more of the servers, first information also associated with said first wireless device or associated with said entity associated with said first wireless device, wherein the first information determines one or more merchant identities which are in proximity to said first wireless device;
receiving, by said one or more of the servers from the first wireless device, second information also associated with said first wireless device or associated with said entity associated with said first wireless device, wherein said second information includes a desired, expected or an ongoing target transaction charge amount associated with a target transaction between said one or more merchant identities and said first wireless device or with said entity associated with said first wireless device;
initiating, by said one or more of the servers, as a result of the reception of the first message, said database query, wherein the database query determines one or more stored value assets associated with at least one of said one or more merchant identities, wherein said database query utilizes as inputs, at least both;
at least one of said one or more merchant identities; and
,said target transaction charge amount,selecting, by said one or more of the servers, one or more selected stored value assets from a result of said database query which meet specific criteria; and
sending, by said one or more of the servers, subsequent to the selecting by said one or more of the servers of said one or more selected stored value assets, a redemption identifier message to said first wireless device, said redemption identifier message comprising one or more redemption identifiers.
1 Assignment
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Accused Products
Abstract
A system, methods, and apparatuses are provided for valuation and exchange of stored value assets, information of value, and the transfer of value to or among individuals. The exchanged assets may be of a similar nature, e.g., music files exchanged for other music files, and exchange or trade of information such as rewards value or a restaurant coupon. The exchanged assets may also be other dissimilar assets exchanged between individuals and/or entities. The exchange may be initiated in numerous ways such as after completing a review, exchanging or trading a gift card, a prepaid card, a reward card, a coupon, a ticket, a pass, and/or the like when in proximity to a specific location or a location of some type or category, and/or exchanging or trading of other assets between individuals based on one or more constraints such as time, location, need, desire for the assets, and/or proximity.
201 Citations
34 Claims
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1. A method for one or more servers to facilitate the transfer of stored value from one or more devices, cards, or accounts to a wireless device comprising the steps of:
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receiving, by said one or more of the servers, a first message associated with a first wireless device or associated with an entity associated with said first wireless device, wherein receiving said first message further causes an initiation of a database query by the server relating to an inventory of stored value assets; receiving, by said one or more of the servers, first information also associated with said first wireless device or associated with said entity associated with said first wireless device, wherein the first information determines one or more merchant identities which are in proximity to said first wireless device; receiving, by said one or more of the servers from the first wireless device, second information also associated with said first wireless device or associated with said entity associated with said first wireless device, wherein said second information includes a desired, expected or an ongoing target transaction charge amount associated with a target transaction between said one or more merchant identities and said first wireless device or with said entity associated with said first wireless device; initiating, by said one or more of the servers, as a result of the reception of the first message, said database query, wherein the database query determines one or more stored value assets associated with at least one of said one or more merchant identities, wherein said database query utilizes as inputs, at least both; at least one of said one or more merchant identities; and
,said target transaction charge amount, selecting, by said one or more of the servers, one or more selected stored value assets from a result of said database query which meet specific criteria; and sending, by said one or more of the servers, subsequent to the selecting by said one or more of the servers of said one or more selected stored value assets, a redemption identifier message to said first wireless device, said redemption identifier message comprising one or more redemption identifiers. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 34)
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30. A method for one or more servers to facilitate the transfer of stored value from one or more devices, cards, or accounts to a wireless device comprising the steps of:
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receiving, by said one or more of the servers, a first message associated with a first wireless device or associated with an entity associated with said first wireless device, wherein receiving said first message further causes an initiation of a database query relating to an inventory of stored value assets; receiving, by said one or more of the servers, first information also associated with said first wireless device or associated with said entity associated with said first wireless device, wherein the first information determines one or more merchant identities which are in proximity to said first wireless device; receiving, by said one or more of the servers from the first wireless device, second information also associated with said first wireless device or associated with said entity associated with said first wireless device, wherein said second information includes a desired, expected or an ongoing target transaction charge amount associated with a target transaction between said one or more merchant identities and said first wireless device or with said entity associated with said first wireless device; performing, by said one or more of the servers, said database query relating to said inventory of stored value assets i) utilizing at least one of said one or more merchant identities and ii) utilizing said target transaction charge amount, to determine one or more stored value assets associated with at least one of said one or more merchant identities; selecting, by said one or more of the servers, one or more selected stored value assets from a result of performing said database query which meet specific criteria; sending an offer message, by said one or more of the servers, subsequent to the selecting of said selected one or more stored value assets, to said first wireless device including an offer to purchase the value of said selected one or more stored value assets; and receiving an approval message, by said one or more of the servers, from said first wireless device, in response to the sending of the offer message, the approval message authorizing the purchase of the value of said selected one or more stored value assets; and sending, by said one or more of the servers, subsequent to the receiving by one or more of the servers of said approval message, a redemption identifier message to said first wireless device, said redemption identifier message comprising one or more redemption identifiers. - View Dependent Claims (31)
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32. One or more computer servers to facilitate the transfer of stored value from one or more devices, cards, or accounts to a wireless device, the one or more computer servers comprising:
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at least one processor, and at least one memory with executable instructions stored thereon, the at least one memory and the executable instructions, with the at least one processor, cause said one or more computer servers to; receive a first message associated with a first wireless device or associated with an entity associated with said first wireless device, wherein receiving said first message further causes an initiation of a database query relating to an inventory of stored value assets; receive from the first wireless device first information also associated with said first wireless device or associated with said entity associated with said first wireless device, wherein the first information is used to determine one or more merchant identities which are in proximity to said first wireless device; receive second information also associated with said first wireless device or associated with said entity associated with said first wireless device, wherein said second information includes a desired, expected or an ongoing target transaction charge amount associated with a target transaction between said one or more merchant identities and said first wireless device or with said entity associated with said first wireless device; perform, subsequent to receiving the first message, said database query relating to said inventory of stored value assets, and said database query utilizing as inputs i) at least one of said one or more merchant identities and ii) said target transaction charge amount, said database query determines one or more stored value assets associated with at least one of said one or more merchant identities; select one or more selected stored value assets from a result of said database query which meets specific criteria; and send, subsequent to the selection of one or more selected stored value assets, a redemption identifier message to said first wireless device, said redemption identifier message comprising one or more redemption identifiers.
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33. A non-transitory machine-readable medium storing executable instructions to facilitate the transfer of stored value from one or more devices, cards, or accounts to a wireless device, the executable instructions when executed by a processor causing an apparatus to:
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receive at the processor a first message associated with a first wireless device or associated with an entity associated with said first wireless device, wherein receiving said first message further causes an initiation of a database query relating to an inventory of stored value assets; receive at the processor from the first wireless device first information also associated with said first wireless device or associated with said entity associated with said first wireless device, wherein the first information is used to determine one or more merchant identities which are in proximity to said first wireless device; receive at the processor second information also associated with said first wireless device or associated with said entity associated with said first wireless device, wherein said second information includes a desired, expected or an ongoing target transaction charge amount associated with a target transaction between said one or more merchant identities and said first wireless device or with said entity associated with said first wireless device; perform by the processor said database query relating to said inventory of stored value assets i) utilizing at least one of said one or more merchant identities and ii) utilizing said target transaction charge amount to determine one or more stored value assets associated with at least one of said one or more merchant identities; select by the processor one or more selected stored value assets from a result of said database query which meet specific criteria; and send by the processor, subsequent to said select by the processor of said one or more stored value assets, said selected one or more stored value assets in a redemption identifier message to said first wireless device, said redemption identifier message comprising one or more redemption identifiers.
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Specification