Mobile coupon method and system
AssigneeVisa U.S.A. Inc.
InventorsMark Carlson, Peter Ciurea
Life of this patent
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Abstract
A system and a method for using a portable consumer device such as a mobile phone are disclosed. In one embodiment, a method according to the present invention comprises referencing data regarding an individual consumer stored as part of a payment processing network to generate an electronic coupon targeted to the individual consumer. The electronic coupon is transmitted to a mobile device of the individual consumer over a communications network, and purchase transaction utilizing the electronic coupon is processed over the payment processing network. In certain embodiments, the electronic coupon may be generated based upon temporal and/or geographic information of a prior purchase transaction conducted using the payment processing network.
Claims24
A method comprising:
- referencing data regarding an individual consumer stored as part of a payment processing network to generate an electronic coupon targeted to the individual consumer;
- transmitting the electronic coupon to a mobile device of the individual consumer over a communications network;
- and
- processing a purchase transaction utilizing the electronic coupon over the payment processing network.
A server for a mobile coupon program, the server comprising:
- a processor;
- and
- a computer readable storage medium in electronic communication with the processor, the computer readable storage medium having stored thereon, code instructing the processor to,
- reference data regarding an individual consumer stored as part of a payment processing network to generate an electronic coupon targeted to the individual consumer, and
- transmit the electronic coupon to a mobile device of the individual consumer over a communications network.
A method comprising:
- a consumer conducting a first purchasing transaction over a payment processing network;
- generating an electronic coupon targeted to the consumer based upon the first purchasing transaction;
- transmitting the electronic coupon to a mobile device of the consumer;
- and
- processing a second purchasing transaction over the payment processing network, the second purchasing transaction involving use of the electronic coupon to obtain a discount.
Dependencies are inferred from the claim text.