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Systems and methods to provide offers on mobile devices

  • US 8,583,504 B2
  • Filed: 03/24/2011
  • Issued: 11/12/2013
  • Est. Priority Date: 03/29/2010
  • Status: Active Grant
First Claim
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1. A method, comprising:

  • receiving, in a computing device of an interchange, a coupon redeemable from a merchant for a discount;

    storing, in the computing device, the coupon in the data storage facility;

    receiving, in the computing device, an indication of payment from the merchant based on the discount as part of a purchase by the merchant;

    storing a consumer account in the data storage facility, the consumer account having a phone number associated therewith;

    associating the coupon with the consumer account;

    storing a payment instrument in association with the consumer account;

    transmitting, with the computing device, at least a reference to the coupon from the computing device to a mobile phone having the phone number after the coupon is associated with the consumer account;

    receiving, with the computing device, at least an indication of a purchase by a customer for a purchase amount after transmitting the reference to the coupon from the computing device to the mobile phone the indication being received from a remote server of a merchant;

    communicating, using the computing device, with the mobile phone to confirm the purchase by the customer;

    in response to a confirmation of the purchase by the customer, applying, by the computing device, the discount as a portion of the purchase amount by the customer to determine a reduced amount and redeem the coupon;

    charging, by the computing device, the payment instrument of the consumer account based on the reduced amount; and

    marking, by the computing device, the coupon as invalid for use by the consumer account after it has been applied.

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