Third-party provider method and system
DCFirst Claim
1. A mobile device, comprising:
- a processor;
a wireless controller configured to transmit and receive data through a wireless data communication network; and
a memory having instructions stored thereon that are executable by the processor to cause the mobile device to perform operations comprising;
storing a data structure, wherein the data structure encodes information indicative of a particular item of negotiable economic credit and further includes data representative of an issuer of the particular item of negotiable economic credit and an authentication key usable to authenticate the particular item of negotiable economic credit;
detecting that a transaction has been initiated by a user of the mobile device at a point-of-sale (POS) device at a particular establishment, wherein the detecting occurs via the wireless controller while the mobile device is physically within a wireless communication range of the POS device;
determining that the data structure corresponds to the transaction; and
based on the determining, sending, via the wireless controller, the information indicative of the particular item of negotiable economic credit and the authentication key to the POS device, wherein the sending comprises instructing the POS device to apply the particular item of negotiable economic credit to the transaction such that a discount associated with the transaction is received by the user of the mobile device.
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Litigations
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Accused Products
Abstract
Methods and systems for processing negotiable economic credits through, or at the request of, a hand held device in association with a third-party provider communicative with the hand held device and/or a point of sale. At least one negotiable economic credit can be transferred from a third-party provider communicative with the hand held device to the hand held device and/or point of sale. The negotiable economic credit can be stored within a memory of the hand held device and/or point of sale for retrieval and processing at a point of sale associated with a retail establishment and/or by a hand held device. The negotiable economic credit can be associated with a security module for protecting the privacy of the negotiable economic credit. A user profile can be compiled for utilization during the retrieval of the negotiable economic credit.
150 Citations
20 Claims
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1. A mobile device, comprising:
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a processor; a wireless controller configured to transmit and receive data through a wireless data communication network; and a memory having instructions stored thereon that are executable by the processor to cause the mobile device to perform operations comprising; storing a data structure, wherein the data structure encodes information indicative of a particular item of negotiable economic credit and further includes data representative of an issuer of the particular item of negotiable economic credit and an authentication key usable to authenticate the particular item of negotiable economic credit; detecting that a transaction has been initiated by a user of the mobile device at a point-of-sale (POS) device at a particular establishment, wherein the detecting occurs via the wireless controller while the mobile device is physically within a wireless communication range of the POS device; determining that the data structure corresponds to the transaction; and based on the determining, sending, via the wireless controller, the information indicative of the particular item of negotiable economic credit and the authentication key to the POS device, wherein the sending comprises instructing the POS device to apply the particular item of negotiable economic credit to the transaction such that a discount associated with the transaction is received by the user of the mobile device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method comprising:
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storing, by an electronic, portable device, a data structure, wherein the data structure encodes information indicative of a particular item of negotiable economic credit and further includes authentication information usable to authenticate the particular item of negotiable economic credit; detecting, by the electronic, portable device, that a transaction has been initiated by a user of the electronic, portable device; in response to the detecting, the electronic, portable device transmitting the information indicative of the particular item of negotiable economic credit and the authentication information to a point-of-sale (POS) device, and instructing the POS device to apply the particular item of negotiable economic credit to the transaction such that a discount associated with the transaction is received by the user of the electronic, portable device; and receiving, by the electronic, portable device, a message indicating that the particular item of negotiable economic credit has been authenticated by the POS device and applied to the transaction. - View Dependent Claims (9, 10, 11, 12, 13)
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14. An article of manufacture including a non-transitory computer-readable medium having instructions stored thereon that are executable by a mobile device to cause the mobile device to perform operations comprising:
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storing a data structure on the mobile device, wherein the data structure encodes information indicative of a particular item of negotiable economic credit and further includes authentication information usable to authenticate the particular item of negotiable economic credit; detecting, via a wireless interface, that a transaction has been initiated by a user for the mobile device; and sending the information indicative of the particular item of negotiable economic credit and the authentication information to a point-of-sale (POS) device, and instructing the POS device to apply the particular item of negotiable economic credit to the transaction such that a discount associated with the transaction is received by the user of the mobile device. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification