Data passed in an interaction
First Claim
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1. A method of facilitating an interaction between a consumer and a merchant, the method comprising:
- receiving, by a data processor in a consumer mobile device, first data from a first data source, the first data being beneficial for the consumer, wherein the first data comprises a payment credential associated with the consumer;
determining, by the data processor in the consumer mobile device, a location of the consumer mobile device;
transmitting, by the data processor in the consumer mobile device, a request to a payment processing computer for second data, the request including the location of the consumer mobile device, wherein an identity of the merchant is determined based on the location, and wherein the payment processing computer determines an affinity score of the consumer to interact with the merchant based on previous interactions between the consumer and multiple merchants;
receiving, by the data processor in the consumer mobile device, the second data from the payment processing computer, the second data being beneficial to the merchant, wherein the second data includes the affinity score;
generating, by the data processor in the consumer mobile device, a single data element encoding the first data and the second data;
providing, by the data processor in the consumer mobile device, the single data element to a merchant device, the merchant device decoding the single data element into the first data and the second data, wherein the merchant device is configured to process the first data separately from the second data, wherein the merchant device uses the first data to process a payment transaction, wherein the merchant device selects an incentive based on the second data; and
receiving, by the data processor in the consumer mobile device, the incentive from the merchant device.
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Abstract
A method for providing first data and second data for an interaction is disclosed. The first data is beneficial to a first party and necessary for the interaction, while the second data is beneficial to a second party and is not necessary for the interaction. The first data and second data are provided by a first party device in a single data element. A second party device receives the single data element, separates the first data and second data, and processes the first data and second data separately.
533 Citations
20 Claims
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1. A method of facilitating an interaction between a consumer and a merchant, the method comprising:
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receiving, by a data processor in a consumer mobile device, first data from a first data source, the first data being beneficial for the consumer, wherein the first data comprises a payment credential associated with the consumer; determining, by the data processor in the consumer mobile device, a location of the consumer mobile device; transmitting, by the data processor in the consumer mobile device, a request to a payment processing computer for second data, the request including the location of the consumer mobile device, wherein an identity of the merchant is determined based on the location, and wherein the payment processing computer determines an affinity score of the consumer to interact with the merchant based on previous interactions between the consumer and multiple merchants; receiving, by the data processor in the consumer mobile device, the second data from the payment processing computer, the second data being beneficial to the merchant, wherein the second data includes the affinity score; generating, by the data processor in the consumer mobile device, a single data element encoding the first data and the second data; providing, by the data processor in the consumer mobile device, the single data element to a merchant device, the merchant device decoding the single data element into the first data and the second data, wherein the merchant device is configured to process the first data separately from the second data, wherein the merchant device uses the first data to process a payment transaction, wherein the merchant device selects an incentive based on the second data; and receiving, by the data processor in the consumer mobile device, the incentive from the merchant device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A consumer mobile device comprising:
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a processor; and a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising; receiving first data from a first data source, the first data being beneficial for a consumer, wherein the first data comprises a payment credential associated with the consumer; determining a location of the consumer mobile device; transmitting a request to a payment processing computer for second data, the request including the location of the consumer mobile device, wherein an identity of a merchant is determined based on the location, and wherein the payment processing computer determines an affinity score of the consumer to interact with the merchant based on previous interactions between the consumer and multiple merchants; receiving the second data from the payment processing computer, the second data being beneficial to the merchant, wherein the second data includes the affinity score; generating a single data element encoding the first data and the second data; providing the single data element to a merchant device, the merchant device decoding the single data element into the first data and the second data, wherein the merchant device is configured to process the first data separately from the second data, wherein the merchant device uses the first data to process a payment transaction, wherein the merchant device selects an incentive based on the second data; and receiving the incentive from the merchant device. - View Dependent Claims (15, 16)
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17. A method of facilitating an interaction between a consumer and a merchant, the method comprising:
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receiving, by a data processor in a merchant device, a single data element from a consumer mobile device, wherein the single data element includes first data from a first data source and second data from a second data source, the first data being beneficial for the consumer and the second data being beneficial to the merchant, wherein the consumer mobile device determined a location of the consumer mobile device, wherein an identity of the merchant is determined based on the location, wherein a payment processing computer determined an affinity score of the consumer to interact with the merchant based on previous interactions between the consumer and multiple merchants, wherein the second data includes the affinity score, and wherein the first data comprises a payment credential associated with the consumer; decoding, by the data processor in the merchant device, the single data element into the first data and the second data; and processing, by the data processor in the merchant device, the first data, wherein processing the first data includes processing a payment transaction; processing, by the data processor in the merchant device, the second data separately from the first data, wherein processing the second data includes selecting an incentive based on the second data; and transmitting, by the data processor in the merchant device, the incentive to the consumer mobile device. - View Dependent Claims (18)
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19. A merchant device comprising:
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a processor; and a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising; receiving a single data element from a consumer mobile device, wherein the single data element includes first data from a first data source and second data from a second data source, the first data being beneficial for a consumer associated with the consumer mobile device and the second data being beneficial to a merchant associated with the merchant device, wherein the consumer mobile device determined a location of the consumer mobile device, wherein an identity of the merchant is determined based on the location, wherein a payment processing computer determined an affinity score of the consumer to interact with the merchant based on previous interactions between the consumer and multiple merchants, wherein the second data includes the affinity score, and wherein the first data comprises a payment credential associated with the consumer; decoding the single data element into the first data and the second data; and processing the first data, wherein processing the first data includes processing a payment transaction; processing the second data separately from the first data, wherein processing the second data includes selecting an incentive based on the second data; and transmitting the incentive to the consumer mobile device. - View Dependent Claims (20)
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Specification