Mobile phone based rebate device for redemption at a point of sale terminal
First Claim
1. A method of enabling a physical point of sale (POS) terminal to execute a transaction associated with an Internet capable mobile device to completion without said physical point of sale (POS) terminal ever having received a financial account number from said Internet capable mobile device, comprising:
- receiving by a remote computer system from a physical point of sale (POS) terminal, a unique code and not a financial account number, said unique code without a financial account number having been received by said physical point of sale (POS) terminal from a given physical Internet capable mobile device that provided said unique code without providing said financial account number;
routing said unique code without said financial account number to an accounting server;
determining a virtual account ID;
routing the transaction to an authentication, authorization and accounting (AAA) server for the virtual account ID in a location remote from said Internet capable mobile device; and
communicating an authorization message for the transaction without also communicating said financial account number to said physical POS terminal that received said unique code without said financial account number from said Internet capable mobile device;
wherein each of said POS terminal and said Internet capable mobile device includes a combination of hardware and software; and
wherein said authorization message facilitates the execution of the transaction by said physical point of sale (POS) terminal to completion without ever having received any financial account number from said Internet capable mobile device.
4 Assignments
0 Petitions
Accused Products
Abstract
Virtual mobile rewards, gift cards, and/or physical world retailers'"'"' loyalty and reward programs are aggregated into a common account accessible and transactional from an Internet capable mobile radio device. Subscribers gain access to discounted codes, coupons, rebates, gift cards, and/or limited time offers, on their mobile device for food, travel, lifestyle, electronics, and entertainment products that fit their lifestyle spending habits, enabling users to edit participating retailers, manage separate account balances, and present preferred discounted offers at retailers and apply discount towards purchase of goods.
34 Citations
9 Claims
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1. A method of enabling a physical point of sale (POS) terminal to execute a transaction associated with an Internet capable mobile device to completion without said physical point of sale (POS) terminal ever having received a financial account number from said Internet capable mobile device, comprising:
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receiving by a remote computer system from a physical point of sale (POS) terminal, a unique code and not a financial account number, said unique code without a financial account number having been received by said physical point of sale (POS) terminal from a given physical Internet capable mobile device that provided said unique code without providing said financial account number; routing said unique code without said financial account number to an accounting server; determining a virtual account ID; routing the transaction to an authentication, authorization and accounting (AAA) server for the virtual account ID in a location remote from said Internet capable mobile device; and communicating an authorization message for the transaction without also communicating said financial account number to said physical POS terminal that received said unique code without said financial account number from said Internet capable mobile device; wherein each of said POS terminal and said Internet capable mobile device includes a combination of hardware and software; and wherein said authorization message facilitates the execution of the transaction by said physical point of sale (POS) terminal to completion without ever having received any financial account number from said Internet capable mobile device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method performed by a physical point of sale (POS) terminal to execute a transaction associated with an Internet capable mobile device to completion without said physical point of sale (POS) terminal ever having received a financial account number from said Internet capable mobile device, comprising:
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receiving from the Internet capable mobile device a unique code without also receiving any financial account number from said Internet capable mobile device; routing to a remote computer system the unique code without also routing any financial account number to said remote computer system, determining, from said unique code without any financial account number, a virtual account ID; and receiving an authorization message for the transaction without also receiving any financial account number from said Internet capable mobile device; wherein each of said POS terminal and said Internet capable mobile device includes a combination of hardware and software; and wherein said authorization message facilitates the execution of the transaction by said physical point of sale (POS) terminal to completion without ever having received from said Internet capable mobile device and without having ever provided to the remote computer system any financial account number. - View Dependent Claims (9)
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Specification