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US 10,650,400 B2Granted
Payment data systems and methods
AssigneeVeriFone, Inc.
InventorsJason Gross, Senthilkumaran Kanagaratnam, Jay David Parsons
Life of this patent
Estimating the term…
Abstract
An electronic offer system including a payment instrument reader for reading payment instrument data from a payment instrument and an offer-payment instrument account association (O-PIAA) server communicating with the payment instrument reader and automatically operative in response to reading of the payment instrument data by the payment instrument reader to associate at least one offer in an offer program with a payment instrument account indicated by the payment instrument data.
Claims14
An electronic offer method comprising:
- in an offer-payment instrument account association server comprising at least one computer processor:
- receiving, from a first payment terminal device for a first merchant comprising a display, acceptance data identifying an accepted offer, the accepted offer having been presented on the display, and payment instrument data for a payment instrument;
- storing association data that associates the payment instrument data with the acceptance data;
- receiving, from a second payment terminal device for a second merchant, transaction data for a transaction comprising transaction payment instrument data for a transaction payment instrument;
- ascertaining that the transaction payment instrument data is associated with the payment instrument data;
- verifying that the transaction is covered by the accepted offer;
- and
- causing a payment card company for the transaction payment instrument to credit the transaction payment instrument according to the accepted offer.
5 more elements
An electronic offer content server, comprising:
- at least one computer processor;
- a memory;
- wherein the electronic offer content server:
- receives, from a first payment terminal device for a first merchant, acceptance data identifying an accepted offer that was presented by a display on the payment terminal;
- receives payment instrument data for a payment instrument;
- associates the payment instrument data with the acceptance data;
- receives, from a second payment terminal device for a second merchant, transaction data for a transaction comprising transaction payment instrument data for a transaction payment instrument;
- determines, based on the payment instrument data and the transaction payment instrument data, that the acceptance data is associated with the transaction payment instrument;
- verifies that the transaction is covered by the accepted offer;
- and
- causes a payment card company for the transaction payment instrument to credit the transaction payment instrument according to the accepted offer.
8 more elements
Dependencies are inferred from the claim text.