Notifying mobile device users of a suggested payment type prior to conducting a transaction at a merchant
AssigneeBank of America Corporation
InventorsMatthew A. Calman, David M. Grigg, Susan Smith Thomas, Alicia C. Jones
Life of this patent
Estimating the term…
Abstract
Devices, methods and computer program are defined that provide for notifying (e.g., alerting) users of mobile devices as to suggested payment types accepted by the merchant at which the user is located. The suggested payment type may be one that is favorable or beneficial to the user in terms of discounts/rebates, transaction fee reduction, rewards points transaction processing security and/or extended warranty coverage for items transacted and/or the like. As a result the user makes informed decisions on which payment type to use for an impending transaction at the merchant.
Claims27
A mobile communication device configured for providing a user with notification of a suggested mobile payment type for conducting a transaction while at a merchant location, the mobile communication device comprising:
- a computing platform including a memory and at least one processor in communication with the memory;
- and
- a suggested mobile payment type notification module, stored in the memory, executable by the processor and configured to:
- determine one or more mobile payment types accepted by a merchant at which the mobile communication device is located;
- in response to determination of the mobile payment types, determine one or more of the mobile payment types to suggest to the user as a payment type for a pending transaction;
- and
- generate, and communicate to the user via the mobile communication device, a notification that indicates the one or more suggested mobile payment types.
(canceled)
A method for notifying mobile communication device users of a suggested mobile payment type for conducting a transaction while at a merchant location, the method comprising:
- determining, by a computing device processor, a one or more mobile payment types accepted by a merchant at which the mobile communication device is located;
- determining, by a computing device processor, one or more of the mobile I payment types to suggest to the user as a payment type for a pending transaction;
- and
- generating, and initiating communication to a user interface on the mobile communication device, a notification that indicates the one or more suggested mobile payment types.
(canceled)
A computer program product comprising a non-transitory computer-readable medium comprising:
- a first set of codes for causing a mobile communication device to determine a one or more mobile payment types accepted by a merchant at which the mobile communication device is located;
- a second set of codes for causing a mobile communication device to determine one or more of the mobile payment types to suggest to the user as a payment type for a pending transaction;
- and
- a third set of codes for causing a mobile communication device to generate, and communicate to a user interface on the mobile communication device, a notification that indicates the one or more suggested mobile payment types.
(canceled)
Dependencies are inferred from the claim text.