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Proximity detection, virtual detection, or location based triggering of the exchange of value and information

  • US 9,460,433 B2
  • Filed: 08/18/2015
  • Issued: 10/04/2016
  • Est. Priority Date: 04/17/2011
  • Status: Active Grant
First Claim
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1. 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:

  • at least one processor, andat 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;

    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;

    select one or more selected stored value assets depending on both (a) at least said one or more merchant identities and (b) said target transaction amount; 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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