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Third-party provider method and system

DC
  • US 9,747,608 B2
  • Filed: 03/22/2012
  • Issued: 08/29/2017
  • Est. Priority Date: 10/06/2000
  • Status: Active Grant
First Claim
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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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