Mobile coupon method and system
First Claim
1. A method comprising:
- detecting, by a server computer associated with a payment processing network located between an issuer and an acquirer, purchase activity associated with an individual consumer using an account at the issuer, the payment processing network configured to process credit card and debit card transactions;
storing, by the server computer associated with the payment processing network, the purchase activity as consumer transaction data associated with the individual consumer;
referencing, by the server computer associated with the payment processing network, the consumer transaction data associated with the individual consumer stored as part of the payment processing network to generate an electronic coupon targeted to the individual consumer;
determining, by the server computer associated with the payment processing network, from the consumer transaction data associated with the individual consumer stored as part of the payment processing network, a location of a prior transaction conducted by the individual consumer over the payment processing network;
determining, by the server computer associated with the payment processing network, from the consumer transaction data associated with the individual consumer stored as part of the payment processing network, a time of the prior transaction conducted by the individual consumer over the payment processing network;
generating by the server computer associated with the payment processing network, an electronic coupon based on the location of the prior transaction and within a predetermined time of less than one hour from the time of the prior transaction conducted over the payment processing network, wherein the electronic coupon includes a bar code configured to be electronically scanned from a display of a mobile device of the individual consumer for redemption of the electronic coupon;
transmitting by the server computer associated with the payment processing network, the electronic coupon within the predetermined time of less than one hour from the time of the prior transaction conducted over the payment processing network, to the mobile device of the individual consumer over a communications network; and
processing, using the server computer associated with the payment processing network, a purchase transaction utilizing the electronic coupon over the payment processing network.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and a method for using a portable consumer device such as a mobile phone are disclosed. In one embodiment, a method according to the present invention comprises referencing data regarding an individual consumer stored as part of a payment processing network to generate an electronic coupon targeted to the individual consumer. The electronic coupon is transmitted to a mobile device of the individual consumer over a communications network, and purchase transaction utilizing the electronic coupon is processed over the payment processing network. In certain embodiments, the electronic coupon may be generated based upon temporal and/or geographic information of a prior purchase transaction conducted using the payment processing network.
318 Citations
27 Claims
-
1. A method comprising:
-
detecting, by a server computer associated with a payment processing network located between an issuer and an acquirer, purchase activity associated with an individual consumer using an account at the issuer, the payment processing network configured to process credit card and debit card transactions; storing, by the server computer associated with the payment processing network, the purchase activity as consumer transaction data associated with the individual consumer; referencing, by the server computer associated with the payment processing network, the consumer transaction data associated with the individual consumer stored as part of the payment processing network to generate an electronic coupon targeted to the individual consumer; determining, by the server computer associated with the payment processing network, from the consumer transaction data associated with the individual consumer stored as part of the payment processing network, a location of a prior transaction conducted by the individual consumer over the payment processing network; determining, by the server computer associated with the payment processing network, from the consumer transaction data associated with the individual consumer stored as part of the payment processing network, a time of the prior transaction conducted by the individual consumer over the payment processing network; generating by the server computer associated with the payment processing network, an electronic coupon based on the location of the prior transaction and within a predetermined time of less than one hour from the time of the prior transaction conducted over the payment processing network, wherein the electronic coupon includes a bar code configured to be electronically scanned from a display of a mobile device of the individual consumer for redemption of the electronic coupon; transmitting by the server computer associated with the payment processing network, the electronic coupon within the predetermined time of less than one hour from the time of the prior transaction conducted over the payment processing network, to the mobile device of the individual consumer over a communications network; and processing, using the server computer associated with the payment processing network, a purchase transaction utilizing the electronic coupon over the payment processing network. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
-
-
18. A server for a mobile coupon program, the server comprising:
-
a processor; and a computer readable storage medium in electronic communication with the processor, the computer readable storage medium having stored thereon, program code, when executed, that causes the processor to perform the steps of; detecting purchase activity associated with an individual consumer and using an account at an issuer; storing the purchase activity as consumer transaction data associated with the individual consumer; referencing the consumer transaction data associated with an individual consumer stored as part of a payment processing network to generate an electronic coupon targeted to the individual consumer, the payment processing network configured to process credit card and debit card transactions and being located between an acquirer and the issuer, determining, from the consumer transaction data associated with the individual consumer stored as part of the payment processing network, a location of a prior transaction conducted by the individual consumer over the payment processing network; determining, from the consumer transaction data associated with the individual consumer stored as part of the payment processing network, a time of a prior transaction conducted by the individual consumer over the payment processing network, generating an electronic coupon, based on the location of the prior transaction and within a predetermined time of less than one hour from the time of the prior transaction conducted over the payment processing network, wherein the electronic coupon includes a bar code configured to be electronically scanned from a display of a mobile device of the individual consumer for redemption of the electronic coupon; and transmitting the electronic coupon within the predetermined time of less than one hour from the time of the prior transaction conducted over the payment processing network, to the mobile device of the individual consumer over a communications network. - View Dependent Claims (19, 20, 21, 22, 23)
-
-
24. A method comprising:
-
receiving, at a server computer associated with a payment processing network located between an issuer and an acquirer, and being configured to process credit card and debit card transactions, an authorization request message for a first purchasing transaction using an account at the issuer and conducted over the payment processing network; storing, by the server computer, consumer transaction data associated with the first purchasing transaction; determining, by the server computer, a location of the first purchasing transaction conducted over the payment processing network; determining, by the server computer, a time of the first purchasing transaction conducted over the payment processing network; generating, by the server computer, an electronic coupon targeted to the consumer based on the location of the first purchasing transaction and within a predetermined time of less than one hour from the time of the first purchasing transaction conducted over the payment processing network, wherein the electronic coupon includes a bar code configured to be electronically scanned from a display of a mobile device of the consumer for redemption of the electronic coupon; transmitting, by the server computer, the electronic coupon within the predetermined time of less than one hour from the time of the first purchasing transaction to the mobile device of the consumer; and processing, by the server computer, a second purchasing transaction over the payment processing network, the second purchasing transaction involving use of the electronic coupon to obtain a discount. - View Dependent Claims (25, 26, 27)
-
Specification