Dynamic promotion code insertion in contactless payment transaction
First Claim
1. A portable electronic device, comprising:
- a processor;
a memory;
a first radio transceiver;
a second radio transceiver; and
an application stored in the memory that, when executed by the processor,receives, at the portable electronic device, a rule associated with a commercial promotion via the first radio transceiver from an offer platform,determines, on the portable electronic device and based on the rule received from the offer server and information specific to the portable electronic device, that the portable electronic device is qualified to exercise a right associated with the commercial promotion,generates, on the portable electronic device in response to the portable electronic device being qualified to exercise the right associated with the commercial promotion, a code representing the commercial promotion, wherein the code indicates to the offer platform or a redemption server that the application has determined that the portable electronic device is qualified to exercise the right associated with the commercial promotion based on the rule received from the offer platform and indicates to a point of sale terminal that the portable electronic device qualifies for the commercial promotion,transmits, by the portable electronic device to the offer platform or the redemption server via the first radio transceiver, a message indicating that the portable electronic device has qualified to exercise the right associated with the commercial promotion according to the rule received from the offer platform and including the code representing the commercial promotion, andinitiates a payment transaction associated with the commercial promotion by transmitting, by the portable electronic device, a payment transaction message comprising information identifying a payment source and the code representing the commercial promotion to a point of sale terminal.
6 Assignments
0 Petitions
Accused Products
Abstract
A portable electronic device is provided comprising a processor, a memory, a first radio transceiver, a second radio transceiver, and an application stored in the memory that, when executed by the processor, receives a first rule associated with a first commercial promotion via the first radio transceiver. The application also determines, based on the first rule and information specific to the device, that the device is qualified to exercise a right associated with the first commercial promotion. The application also transmits to a server via the first radio transceiver a message indicating that the device has qualified to exercise the right associated with the first commercial promotion and associating a code with the first commercial promotion. The application also completes a payment transaction for one of a product or a service via the second radio transceiver, wherein the payment transaction comprises transmitting the code associated with the first commercial promotion.
73 Citations
18 Claims
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1. A portable electronic device, comprising:
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a processor; a memory; a first radio transceiver; a second radio transceiver; and an application stored in the memory that, when executed by the processor, receives, at the portable electronic device, a rule associated with a commercial promotion via the first radio transceiver from an offer platform, determines, on the portable electronic device and based on the rule received from the offer server and information specific to the portable electronic device, that the portable electronic device is qualified to exercise a right associated with the commercial promotion, generates, on the portable electronic device in response to the portable electronic device being qualified to exercise the right associated with the commercial promotion, a code representing the commercial promotion, wherein the code indicates to the offer platform or a redemption server that the application has determined that the portable electronic device is qualified to exercise the right associated with the commercial promotion based on the rule received from the offer platform and indicates to a point of sale terminal that the portable electronic device qualifies for the commercial promotion, transmits, by the portable electronic device to the offer platform or the redemption server via the first radio transceiver, a message indicating that the portable electronic device has qualified to exercise the right associated with the commercial promotion according to the rule received from the offer platform and including the code representing the commercial promotion, and initiates a payment transaction associated with the commercial promotion by transmitting, by the portable electronic device, a payment transaction message comprising information identifying a payment source and the code representing the commercial promotion to a point of sale terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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Specification