Systems, methods, and computer program products for managing contactless transactions

• US 10,733,596 B2
• Filed: 10/06/2017
• Issued: 08/04/2020
• Est. Priority Date: 10/10/2013
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google LLC (Alphabet Inc.)
• Inventors: Hopkinson, Emma K.
• Primary Examiner(s): Sittner, Matthew T
• Application Number:
  US15/727,537
• Publication Number:
  US 20180033001A1
• Time in Patent Office: 1,033 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems

Abstract

Systems, methods, and computer program products are provided for managing contactless transactions. A tap notification including at least a first identifier is received. A first counter in a first data set associated with the first identifier is incremented. It is determined if the first counter matches one of a plurality of thresholds. If it is determined that the first counter matches one of a plurality of thresholds, a first status level in the first data set is updated. A first set of benefits from a plurality of benefits stored in a memory based on the first status level is identified. The first set of benefits is associated with the first identifier.

Claims

1. A system to manage information associated with updated status levels, comprising:

a mobile computing device comprising a user interface, a mobile storage device, and a mobile processor communicatively coupled to the mobile storage device, the mobile computing device comprising a mobile wallet application; and

a computing system comprising a storage device and a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the computing system to;

receive a tap transaction notification that describes a contactless transaction performed via the mobile wallet application;

increment a counter based on the tap transaction notification, the counter describing a number of contactless transactions;

determine that the incremented counter exceeds one of a plurality of contactless transaction thresholds;

determine an updated status level associated with the incremented counter that exceeds the one of the plurality of contactless transaction thresholds;

associate the new status level with the mobile wallet application; and

wherein the mobile processor executes application code instructions that are stored in the mobile storage device to cause the wallet application to;

update program information associated with a prior status level to new membership program information associated with the updated status level, wherein updating the program information comprises changing visual elements associated with the prior status level displayed by the mobile computing device.

2. The system claim 1, wherein the processor is further configured to execute application code instructions stored in the storage device to cause the computing system to transmit at least a portion of the new program information associated with the updated status level to the mobile computing device.

3. The system of claim 1, wherein the new program information associated with the updated status level comprises a new membership status level.

4. The system of claim 1, wherein the processor is further configured to execute application code instructions stored in the storage device to cause the computing system to transmit the updated status level to the mobile computing device.

5. The system of claim 1, wherein the processor is further configured to execute application code instructions stored in the storage device to cause the computing system to identify one or more offers that correspond to the updated status level.

6. The system of claim 1, wherein the visual elements comprise one or more of a color and shape of a displayed membership card.

7. The system of claim 1, wherein the tap transaction notification identifies data associated with the mobile wallet application that includes at least one a mobile wallet ID or data identifying a merchant associated with the contactless transaction.

8. The system of claim 1, wherein the determining that the incremented counter exceeds the one of the plurality of contactless transaction thresholds comprises determining that the incremented counter exceeds a mobile wallet threshold defined with respect to the number of contactless transactions performed with the mobile wallet application.

9. A method to manage information associated with updated status levels, comprising:

receiving, by a computing device, a tap transaction notification that describes a contactless transaction performed via a mobile wallet application of the computing device;

incrementing, by the computing device, a counter based on the tap transaction notification, the counter describing a number of contactless transactions;

determining, by the computing device, that the incremented counter exceeds one of a plurality of contactless transaction thresholds;

determining, by the computing device, an updated status level associated with the incremented counter exceeding the one of the plurality of contactless transaction thresholds; and

updating, by the computing device, program information associated with a prior status level to new program information associated with the updated status level, wherein updating the program information comprises changing visual elements associated with the prior status level.

10. The method according to claim 9, further comprising transmitting, by the computing device, at least a portion of the new program information associated with the updated status level to a mobile computing device.

11. The method according to claim 9, wherein the new program information associated with the updated status level comprises a new membership status level.

12. The method according to claim 9, further comprising transmitting, by the computing device, the updated status level to a mobile computing device.

13. The method according to claim 11, further comprising determining, by the mobile computing device, that the new membership status level is different than a prior membership status level.

14. The method according to claim 9, wherein the tap transaction notification is received from one of a mobile computing device or a merchant computing device.

15. The method according to claim 9, further comprising identifying, by the computing device, one or more offers that correspond to the updated status level.

16. The method according to claim 9, wherein the visual elements comprise one or more of a color and shape of a displayed membership card.

17. A computer program product, comprising:

a non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a computer cause the computer to manage information associated with updated status levels, the computer-readable program instructions comprising;

computer-readable program instructions to receive a tap transaction notification that describes a contactless transaction performed via a mobile wallet application of a mobile computing device;

computer-readable program instructions to increment a counter based on the tap transaction notification, the counter describing a number of contactless transactions;

computer-readable program instructions to determine that the incremented counter exceeds one of a plurality of contactless transaction thresholds;

computer-readable program instructions to determine an updated status level associated with the incremented counter exceeding the one of the plurality of contactless transaction thresholds; and

computer-readable program instructions to update program information associated with a prior status level to new program information associated with the updated status level, wherein updating the program information comprises changing visual elements associated with the prior status level displayed by a mobile computing device.

18. The computer program product of claim 17, further comprising computer-readable program instructions to transmit the updated status level to a mobile computing device.

19. The computer program product of claim 17, further comprising computer-readable program instructions to identify one or more offers that correspond to the updated status level.

20. The computer program product of claim 17, wherein the visual elements comprise one or more of a color and shape of a displayed membership card.