# US 2014/0195318 A1 · Mobile coupon analysis systems and methods

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- Number: US 2014/0195318 A1
- Document ID: US20140195318A1
- Status: Published application
- Kind: A1
- Application number: 14/146,558
- Filed: 2014-01-02
- Published: 2014-07-10
- Earliest claimed: 2010-05-10
- Assignees: First Data Corporation
- Applicants: First Data Corporation
- Inventors: Barry F. Pointer; Dominic Morea; Bengt Horsma; Christopher Wuhrer; Jerome Myers; Michelangelo R. Ho; Sarah Owen
- Web page: https://patentgrep.com/patent/US20140195318A1

## CPC

- G06Q 30/0215: {Including financial accounts}
- G06Q 30/0207: Discounts or incentives, e.g. coupons or rebates
- G06Q 30/0222: {During e-commerce, i.e. online transactions}
- G06Q 30/0236: {Incentive or reward received by requiring registration or ID from user}
- G06Q 30/0238: at point-of-sale [POS]
- H04W 4/021: Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.

## Claims

### Claim 1

(canceled)

### Claim 2

A method, comprising:
transmitting, by a computer system to a mobile device, an electronic coupon that is linked to a discount monetary amount;
receiving, by the computer system, settlement data that is linked to a purchase transaction associated with a consumer financial account and at least includes merchant account information and an indicator associated with an account number of the consumer financial account;
validating, by the computer system, the electronic coupon based on the merchant account information and the indicator;
debiting, by the computer system, the discount monetary amount from a merchant account identified from the merchant account information; and
crediting, by the computer system, the discount monetary amount of the electronic coupon to the consumer financial account.

### Claim 3 (depends on 2)

The method of claim 2, further comprising enrolling the consumer financial account in a merchant electronic coupon program.

### Claim 4 (depends on 2)

The method of claim 2, wherein the electronic coupon is linked to a merchant or a group of merchants.

### Claim 5 (depends on 2)

The method of claim 2, wherein the consumer financial account is a stored value account.

### Claim 6 (depends on 5)

The method of claim 5, wherein the stored value account is held by a financial institution associated with the computer system.

### Claim 7 (depends on 2)

The method of claim 2, further comprising receiving a response from the mobile device indicating acceptance of the electronic coupon.

### Claim 8 (depends on 7)

The method of claim 7, further comprising storing a record indicating the acceptance of the electronic coupon.

### Claim 9 (depends on 2)

The method of claim 2, further comprising transmitting to the mobile device a notification that the electronic coupon has been successfully redeemed.

### Claim 10

A method, comprising:
identifying consumer enrollment in an electronic coupon program, wherein a merchant authorizes a coupon aggregator system to offer a plurality of consumers at least one electronic coupon for purchases from the merchant;
receiving, by a computer system, an account identifier, wherein:
the account identifier is linked to an account of a particular consumer,
the particular consumer has previously received an electronic coupon on a mobile device,
the electronic coupon is linked to a monetary discount, and
the account identifier is enrolled in the electronic coupon program of a financial institution; and
transmitting, by the computer system to another computer system, a settlement request for a purchase, wherein the settlement request comprises an indicator that indicates participation of the particular consumer in the electronic coupon program.

### Claim 11 (depends on 10)

The method of claim 10, wherein the account identifier is received at a point-of-sale device of a merchant from the mobile device.

### Claim 12 (depends on 10)

The method of claim 10, wherein the mobile device comprises an RFID tag.

### Claim 13 (depends on 10)

The method of claim 10, wherein the account linked to the account identifier is credited with the monetary discount after the settlement request for the purchase has been transmitted by a merchant.

### Claim 14 (depends on 10)

The method of claim 10, wherein the coupon aggregator system is associated with the financial institution.