System and method for facilitating interaction between consumer and merchant
AssigneeAmerican Express Travel Related Services Company, Inc.
InventorsFred Bishop, Elliott Glazer
Life of this patent
Estimating the term…
Abstract
An automated method and system is provided for facilitating interaction between a consumer and a merchant using a strong security framework. An offer describing a product and a predetermined means for acceptance is presented via a display. Once the offer has been presented, if the consumer accepts, the system performs various authentications, then facilitates receipt of the acceptance. The system then combines the acceptance data with identification and payment information, and transmits the relevant information to the merchant. Optionally, the system may customize the content or the presentation of the offer based on information about the targeted consumer.
Claims13
A method for facilitating interaction between a consumer and a merchant, said method comprising:
- receiving offer information from said merchant, wherein said offer information relates to a product;
- customizing said offer information with consumer preference information to create an amended offer;
- transmitting said amended offer to a display for viewing by said consumer;
- receiving an acceptance, from said consumer, wherein said acceptance is associated with said amended offer and said acceptance includes a security feature;
- amending acceptance with consumer payment information and identification information to create an amended acceptance;
- and
- transmitting said amended acceptance to said merchant.
An interface device configured to facilitate interaction between a consumer and a merchant, the interface device comprising:a processor for processing digital data;
- a memory coupled to said processor for storing digital data;
- a device for accepting input of digital data;
- an application program stored in said memory and accessible by said processor for directing processing of digital data by said processor;
- said interface device further configured to facilitate:
- receiving offer information from said merchant;
- customizing said offer information with consumer preference information to create an amended offer;
- transmitting said amended offer to a display for viewing by said consumer;
- receiving an acceptance, from said consumer, wherein said acceptance is associated with said amended offer and said acceptance includes a security feature;
- amending acceptance with consumer payment information to create an amended acceptance;
- and transmitting said amended acceptance to said merchant.
Dependencies are inferred from the claim text.