Third-party provider method and system
DCFirst Claim
1. A device comprising:
- a processor;
a wireless controller configured to transmit and receive data through a wireless data communication network; and
a memory having instructions stored thereon that are executable by the processor to cause the device to perform operations comprising;
transmitting a request, via the wireless controller, to a computer system that is communicatively coupled to the device, wherein the request is formatted to request issuance of a data structure corresponding to a user account;
receiving the data structure, wherein the data structure encodes information indicative of a particular item of negotiable economic credit and further includes authentication information usable to authenticate the particular item of negotiable economic credit;
detecting that a transaction has been initiated by a user for the device;
in response to the detecting, determining whether the data structure corresponds to the transaction;
based on the determining, sending, via the wireless controller, the information indicative of the particular item of negotiable economic credit and the authentication information to a point-of-sale (POS) device, and instructing the POS device to apply the particular item of negotiable economic credit to the transaction, wherein the POS device is one of a plurality of POS devices located in different establishments, and wherein the sending occurs while the device is physically within a wireless communication range of the POS device; and
receiving, via the wireless controller, a message from the POS device that the particular item of negotiable economic credit has been authenticated and applied to the transaction.
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Litigations
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Accused Products
Abstract
Methods and systems for processing negotiable economic credits through, or at the request of, a hand held device in association with a third-party provider communicative with the hand held device and/or a point of sale. At least one negotiable economic credit can be transferred from a third-party provider communicative with the hand held device to the hand held device and/or point of sale. The negotiable economic credit can be stored within a memory of the hand held device and/or point of sale for retrieval and processing at a point of sale associated with a retail establishment and/or by a hand held device. The negotiable economic credit can be associated with a security module for protecting the privacy of the negotiable economic credit. A user profile can be compiled for utilization during the retrieval of the negotiable economic credit.
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Citations
21 Claims
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1. A device comprising:
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a processor; a wireless controller configured to transmit and receive data through a wireless data communication network; and a memory having instructions stored thereon that are executable by the processor to cause the device to perform operations comprising; transmitting a request, via the wireless controller, to a computer system that is communicatively coupled to the device, wherein the request is formatted to request issuance of a data structure corresponding to a user account; receiving the data structure, wherein the data structure encodes information indicative of a particular item of negotiable economic credit and further includes authentication information usable to authenticate the particular item of negotiable economic credit; detecting that a transaction has been initiated by a user for the device; in response to the detecting, determining whether the data structure corresponds to the transaction; based on the determining, sending, via the wireless controller, the information indicative of the particular item of negotiable economic credit and the authentication information to a point-of-sale (POS) device, and instructing the POS device to apply the particular item of negotiable economic credit to the transaction, wherein the POS device is one of a plurality of POS devices located in different establishments, and wherein the sending occurs while the device is physically within a wireless communication range of the POS device; and receiving, via the wireless controller, a message from the POS device that the particular item of negotiable economic credit has been authenticated and applied to the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method comprising:
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an electronic, portable device transmitting, via a network connection, to a computer system, a request for issuing a data structure corresponding to an account associated with the electronic, portable device; in response to the request, receiving, by the electronic, portable device, via the network connection, the data structure, wherein the data structure encodes information indicative of a particular item of negotiable economic credit and further includes authentication information usable to authenticate the particular item of negotiable economic credit; detecting, by the electronic, portable device, that a transaction has been initiated by a user for the electronic, portable device; in response to the detecting, the electronic, portable device transmitting, via the network connection, the information indicative of the particular item of negotiable economic credit and the authentication information to a point-of-sale (POS) device, and instructing the POS device to apply the particular item of negotiable economic credit to the transaction, wherein the POS device is one of a plurality of POS devices located in different establishments; and receiving, by the electronic, portable device, authentication information indicating that the particular item of negotiable economic credit has been authenticated by the POS device and applied to the transaction. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. An article of manufacture including a non-transitory computer- readable medium having instructions stored thereon that are executable by a device to cause the device to perform operations comprising:
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receiving a data structure corresponding to an account associated with the device, wherein the data structure encodes information indicative of a particular item of negotiable economic credit and further includes authentication information usable to authenticate the particular item of negotiable economic credit; based on particular information indicating that a transaction has been initiated by a user for the device, sending the information indicative of the particular item of negotiable economic credit and the authentication information to a point-of-sale (POS) device, and instructing the POS device to apply the particular item of negotiable economic credit to the transaction, wherein the POS device is one of a plurality of POS devices located in different establishments; and based on receiving from the POS device an indication that the particular item of negotiable economic credit has been authenticated, displaying a message indicating that the particular item of negotiable economic credit has been removed from the account and applied to the transaction. - View Dependent Claims (18, 19, 20)
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21. A system, comprising:
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a first point-of-sale (POS) device; a database system that, during operation, stores a plurality of data structures, wherein a given one of the plurality of data structures corresponds to an account of a user, encodes information uniquely indicative of a particular item of negotiable economic credit, and further encodes authentication information usable to authenticate the particular item of negotiable economic credit; and a mobile device operable to wirelessly communicate with the database system and with a plurality of POS devices including the first POS device, wherein the plurality of POS devices are in different locations associated with different businesses, and wherein during operation, the mobile device is further operable to; wirelessly transmit a request for the given data structure to the database system and receive the given data structure in response to the request; detect that a transaction has been initiated by the user; determine that the data structure corresponds to the transaction; and wirelessly transmit the information uniquely indicative of the particular item of negotiable economic credit and the authentication information to the first POS device; wherein upon receiving the information uniquely indicative of the particular item of negotiable economic credit and the authentication information, the first POS device is further operable to; determine that the particular item of negotiable economic credit is applicable to the transaction; using the authentication information, communicate with an authentication server to authenticate the particular item of negotiable economic credit; upon authenticating the particular item of negotiable economic credit, apply the particular item of negotiable economic credit to the transaction; upon applying the particular item of negotiable economic credit to the transaction; instruct the authentication server to prevent the particular item of negotiable economic credit from subsequently being authenticated; and wirelessly transmit a message to the mobile device indicating that the particular item of negotiable economic credit was successfully applied to the transaction.
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Specification