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

• US 9,811,825 B2
• Filed: 10/07/2014
• Issued: 11/07/2017
• Est. Priority Date: 10/10/2013
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Hopkinson, Emma K.
• Primary Examiner(s): Sittner, Matthew T
• Application Number:
  US14/508,348
• Publication Number:
  US 20150106186A1
• Time in Patent Office: 1,127 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 benefits associated with updated status levels for wallet applications, comprising:

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

determine a wallet application associated with the first identifier;

increment a counter associated with the first identifier;

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

determine a new status level associated with the incremented counter that exceeds the one of the plurality of thresholds;

associate the new status level with the wallet application; and

identify one or more offers that correspond to the new status level;

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

update membership program information associated with a prior status level to new membership program information associated with the new status level; and

update a visual element of a membership card displayed by the mobile computing device from a first visual element associated with the prior status level to a new visual element associated with the new status level.

2. 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 new status level to the mobile computing device.

3. The system of claim 1, wherein the tap notification is received from one of the mobile computing device or a merchant computing system.

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 determine a new set of benefits associated with the new status level.

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

6. A method to manage benefits associated with updated status levels for wallet applications, comprising:

receiving, by a computing device, a transaction notification comprising a first identifier;

determining, by the computing device, a wallet application associated with the first identifier;

incrementing, by the computing device, a counter associated with the wallet application based on the transaction notification;

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

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

determining, by the computing device, a new set of benefits associated with the updated status level;

associating, by the computing device, the new set of benefits with the wallet application, wherein the wallet application updates program information associated with a prior status level to new program information associated with the updated status level and wherein updating the program information comprises changing visual elements of a membership card displayed by a mobile computing device; and

identifying, by the computing device, one or more offers that correspond to the updated status level.

7. The method according to claim 6, further comprising transmitting, by the computing device, at least a portion of the new set of benefits to a mobile computing device associated with the wallet application.

8. The method according to claim 6, further comprising transmitting, by the computing device, the updated status level to a mobile computing device associated with the wallet application.

9. The method according to claim 6, wherein the transaction notification is received from one of a mobile computing device or a merchant computing device.

10. The method according to claim 6, wherein the new set of benefits comprises a new membership status level.

11. The method according to claim 10, further comprising determining, by the wallet application, that the new membership status level is different than a prior membership status level.

12. The method according to claim 6, wherein the visual elements comprise one or more of a color and shape of the displayed membership card.

13. 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 benefits associated with updated status levels for wallet applications, the computer-readable program instructions comprising;

computer-readable program instructions to receive a transaction notification comprising a first identifier;

computer-readable program instructions to determine a wallet application associated with the first identifier;

computer-readable program instructions to increment a counter associated with the wallet application based on the transaction notification;

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

computer-readable program instructions to determine an update a status level associated with the incremented counter exceeding the one of a plurality of thresholds;

computer-readable program instructions to determine a new set of benefits associated with the updated status level;

computer-readable program instructions to associate the new set of benefits with the wallet application, wherein the wallet application updates program information associated with a prior status level to new program information associated with the updated status level and wherein updating the program information comprises changing visual elements of a membership card displayed by a mobile computing device; and

computer-readable program instructions to identify one or more offers that correspond to the updated status level.

14. The computer program product of claim 13, further comprising computer-readable program instructions to transmit at least a portion of the new set of benefits to a mobile computing device associated with the wallet application.

15. The computer program product of claim 13, further comprising computer-readable program instructions to transmit the updated status level to a mobile computing device associated with the wallet application.

16. The computer program product of claim 13, wherein the transaction notification is received from one of a mobile computing device or a merchant computing system.

17. The computer program product of claim 13, wherein the new set of benefits comprises a new membership status level.