US 2014/0006136 A1 · EXPEDITED REGISTRATION AND PROCESSING OF OFFERS AT A POINT OF TRANSACTION

Abstract

Embodiments of the invention include systems, methods, and computer-program products for providing an expedited presentment, registration, processing, and using offers and/or loyalty accounts at a point-of-transaction. The system may determine when a user is initiating a transaction at a point-of-transaction associated with a merchant. After the user has initiated the transaction, he/she may be presented with a detectable indicia at the point-of-transaction. An image of the indicia may be captured or scanned by the user via his/her user device. The captured indicia may provide the user with available offers and/or loyalty account or a communication link to receive available offers and/or loyalty accounts. Upon user selection, the available offers and/or loyalty accounts may be applied to the user's current transaction.

Claims27

Dependent claims

A system for providing expedited processing at a point-of-transaction, the system comprising:

a memory device with computer-readable program code stored thereon;
a communication device;
a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to:
receive an indication that a user is initiating a transaction at a merchant point-of-transaction;
receive data associated with the initiation of the transaction;
match the data associated with the initiation of the transaction with data stored on a database to determine offers that the user is likely to use, wherein the database comprises available offers associated with the merchant;
determine offers available to the user based at least in part on the matching of the data associated with the initiation of the transaction and the data stored on the database;
present, dynamically, the offers available to the user;
receive indication of user selected offers;
and
communicate the user selected offers to the merchant such that the offers are applied to the transaction.

8 more elements

A computer program product for providing expedited processing at a point-of-transaction, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for receiving an indication that a user is initiating a transaction at a merchant point-of-transaction;
an executable portion configured for receiving data associated with the initiation of the transaction;
an executable portion configured for matching the data associated with the initiation of the transaction with data stored on a database to determine offers that the user is likely to use, wherein the database comprises available offers associated with the merchant;
an executable portion configured for determining offers available to the user based at least in part on the matching of the data associated with the initiation of the transaction and the data stored on the database;
an executable portion configured for presenting, dynamically, the offers available to the user;
an executable portion configured for receiving indication of user selected offers;
and
an executable portion configured for communicating the user selected offers to the merchant such that the offers are applied to the transaction.

5 more elements

Dependencies are inferred from the claim text.

Expedited registration and processing of offers at a point of transaction

Life of this patent

Expedited registration and processing of offers at a point of transaction

Life of this patent

Abstract

Claims27