# US 2019/0318332 A1 · Systems and methods for integrating multi-media, financial, merchant, and consumer data

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- Number: US 2019/0318332 A1
- Document ID: US20190318332A1
- Status: Published application
- Kind: A1
- Application number: 16/279,822
- Filed: 2019-02-19
- Published: 2019-10-17
- Earliest claimed: 2018-02-19
- Assignees: Airshare Technologies, LLC
- Applicants: Airshare Technologies, LLC
- Inventors: Kevin Whelan; Jeffrey M. Suhadolnik
- Web page: https://patentgrep.com/patent/US20190318332A1

## CPC

- G06Q 20/12: specially adapted for electronic shopping systems
- G06Q 20/027: {involving a payment switch or gateway}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q 20/36: using electronic wallets or electronic money safes
- G06Q 20/38: Payment protocols; Details thereof
- G06Q 20/387: {Payment using discounts or coupons (relating to marketing G06Q30/02)}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- 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

## Abstract

A data integration system for use by a plurality of users and a plurality of merchants comprising a control system, a redemption gateway, at least one user device, and at least one merchant terminal. At least one user initiates a redemption process of the at least one gift by transferring at least the local loop redemption card ID to the merchant terminal. The merchant terminal causes the redemption gateway to send gateway transaction data to the control system. The control system generates redemption transaction data and validates the redemption transaction data based on a comparison of at least a portion of the redemption transaction data with at least a portion of the gift data. The control system stores the transaction data, generates a validation amount, and sends validation data to the redemption gateway. The redemption gateway notifies the merchant and pays the merchant the validation amount.

## Claims

### Claim 1

A data integration system for use by a plurality of users and a plurality of merchants, comprising:
a control system;
a redemption gateway;
at least one user device, where each user device comprises
a consumer application operatively connected to the control system to allow users to
create gifts,
initiate the redemption of gifts, and
provision local loop redemption cards, and
a mobile wallet application configured to utilize local loop redemption cards, where the mobile wallet application is operatively connected to the redemption gateway;
at least one merchant terminal associated with each merchant, where each merchant terminal is operatively connected to the redemption gateway; wherein
at least one user uses the consumer application to create at least one gift and store gift data associated with the at least one gift;
at least one user causes the mobile wallet application to cause the redemption gateway to provision at least one local loop redemption card based on at least one gift, where the redemption gateway assigns a local loop redemption card ID to each local loop redemption card;
at least one user initiates a redemption process of the at least one gift by transferring at least the local loop redemption card ID to the merchant terminal using the local loop redemption card;
after at least one user initiates the redemption process, the merchant terminal causes the redemption gateway to send gateway transaction data to the control system, where the gateway transaction data includes at least the transaction amount, the local loop redemption card ID, and a gateway transaction ID;
after the control system receives the gateway transaction data, the control system
generates redemption transaction data including at least the transaction amount, the local loop redemption card ID, the gateway transaction ID, and a redemption transaction ID,
validates the redemption transaction data based on a comparison of at least a portion of the redemption transaction data with at least a portion of the gift data, and
if the redemption transaction data is validated,
stores the transaction data,
generates a validation amount, and
sends validation data to the redemption gateway, where the validation data includes at least the gateway transaction ID and the validation amount; and
after the redemption gateway receives the validation data, the redemption gateway
notifies the merchant associated with the merchant terminal, and
pays the merchant the validation amount.

### Claim 2 (depends on 1)

A data integration system as recited in claim 1, in which:
the gift data includes at least one merchant ID associated with one of the plurality of merchants;
the gateway transaction data further includes the merchant ID associated with the merchant associated with the merchant terminal; and
the control system validates the redemption transaction data based at least in part on a comparison of the merchant ID of the redemption transaction data with the merchant ID of the gift data.

### Claim 3 (depends on 1)

A data integration system as recited in claim 1, in which:
the gift data includes at least one merchant class ID associated with one of the plurality of merchants;
the gateway transaction data further includes a merchant class ID associated with the merchant associated with the merchant terminal; and
the control system validates the redemption transaction data based at least in part on a comparison of the merchant class ID of the redemption transaction data with the merchant class ID of the gift data.

### Claim 4 (depends on 1)

A data integration system as recited in claim 1, in which:
the gift data includes at least one merchant ID and at least one merchant class ID associated with one of the plurality of merchants;
the gateway transaction data further includes the merchant ID and merchant class ID of the merchant associated with the merchant terminal; and
the control system validates the redemption transaction data based at least in part on a comparison of at least one of
the merchant ID of the redemption transaction data with the merchant ID of the gift data, and
the merchant class ID of the redemption transaction data with the merchant class ID of the gift data.

### Claim 5 (depends on 1)

A data integration system as recited in claim 1, further comprising:
a merchant ID and location data associated with each merchant; and
location services capable of determining a location of each user device; wherein
the gift data includes at least one merchant ID associated with at least one merchant; and
the control system validates the redemption transaction data based at least in part on a comparison of the location of the user device and the location data associated with the merchant associated with the merchant ID of the gift data.

### Claim 6 (depends on 1)

A data integration system as recited in claim 1, in which the at least one user device wirelessly transfers the local loop redemption card ID to the merchant terminal.

### Claim 7 (depends on 6)

A data integration system as recited in claim 6, in which:
at least one user device comprises near field communications technology; and
the at least one user device wirelessly communicates the local loop redemption card ID to the merchant terminal using the near field communications technology.

### Claim 8 (depends on 6)

A data integration system as recited in claim 6, in which:
at least one user device comprises a display;
the at least one user device displays a visible code representing the local loop redemption card ID; and
the merchant terminal scans the display of the at least one user device to wirelessly communicate the local loop redemption card ID to the merchant terminal.

### Claim 9 (depends on 1)

A data integration system as recited in claim 1, in which:
when the consumer application creates a gift, the user inputs a gift value, and the consumer application further causes the control system to store the gift value as part of the gift data;
when the mobile wallet application provisions a local loop redemption card based on a gift,
the redemption gateway passes the local loop redemption card ID to the control system, and
the control system stores the local loop redemption card ID as part of the gift data; and
the control system further validates the transaction data based on a comparison of the transaction value and the gift value associated with the local loop redemption card ID forming part of the transaction data.

### Claim 10 (depends on 1)

A data integration system as recited in claim 1, in which:
when the consumer application creates a gift, the user identifies a merchant, and the consumer application further causes the control system to store a merchant ID associated with the identified merchant as part of the gift data;
the gateway transaction data sent by the redemption gateway to the control system includes a merchant ID associated the merchant associated with the merchant terminal at which the redemption process is initiated;
the control system stores the merchant ID associated with the merchant terminal at which the redemption process is initiated as part of the transaction data; and
the control system further validates the transaction data based on a comparison of the merchant ID of the gift data and the merchant ID of the transaction data.

### Claim 11 (depends on 1)

A data integration system as recited in claim 1, in which:
when the consumer application creates a gift, the user identifies a merchant, and the consumer application further causes the control system to store a merchant class ID associated with the identified merchant class as part of the gift data;
the gateway transaction data sent by the redemption gateway to the control system includes a merchant class ID associated the merchant associated with the merchant terminal at which the redemption process is initiated;
the control system stores the merchant class ID associated with the merchant terminal at which the redemption process is initiated as part of the transaction data; and
the control system further validates the transaction data based on a comparison of the merchant class ID of the gift data and the merchant class ID of the transaction data.

### Claim 12

A method of integrating data generated by a plurality of users and a plurality of merchants comprising the steps of:
providing at least one user device
running on each user device a consumer application operatively to allow users to
create gifts,
initiate the redemption of gifts, and
provision local loop redemption cards, and
running on each user device a mobile wallet application configured to utilize local loop redemption cards;
operatively connecting the mobile wallet application to a redemption gateway;
associating at least one merchant terminal with each merchant;
operatively connecting each merchant terminal to the redemption gateway;
operating the consumer application to create gift data representing at least one gift;
causing the mobile wallet application to cause the redemption gateway to provision at least one local loop redemption card based on at least one gift;
causing the redemption gateway to assign a local loop redemption card ID to each local loop redemption card;
transferring at least the local loop redemption card ID to the merchant terminal using the local loop redemption card to initiate a redemption process for the at least one gift;
after the redemption process is initiated, causing the merchant terminal to cause the redemption gateway to generate gateway transaction including at least the transaction amount, the local loop redemption card ID, and a gateway transaction ID;
generating redemption transaction data including at least the transaction amount, the local loop redemption card ID, the gateway transaction ID, and a redemption transaction ID;
validating the redemption transaction data based on a comparison of at least a portion of the redemption transaction data with at least a portion of the gift data, and
if the redemption transaction data is validated,
storing the transaction data,
generating a validation amount, and
sending validation data to the redemption gateway, where the validation data includes at least the gateway transaction ID and the validation amount; and
after the redemption gateway receives the validation data, causing the redemption gateway to
notify the merchant associated with the merchant terminal, and
pay the merchant the validation amount.

### Claim 13 (depends on 12)

A method as recited in claim 12, in which:
the gift data includes at least one merchant ID associated with one of the plurality of merchants;
the gateway transaction data further includes the merchant ID associated with the merchant associated with the merchant terminal; and
the redemption transaction data is validated based at least in part on a comparison of the merchant ID of the redemption transaction data with the merchant ID of the gift data.

### Claim 14 (depends on 12)

A method as recited in claim 12, in which:
the gift data includes at least one merchant class ID associated with one of the plurality of merchants;
the gateway transaction data further includes a merchant class ID associated with the merchant associated with the merchant terminal; and
the redemption transaction data is validated based at least in part on a comparison of the merchant class ID of the redemption transaction data with the merchant class ID of the gift data.

### Claim 16 (depends on 12)

A method as recited in claim 12, in which:
a merchant ID and location data are associated with each merchant;
the gift data includes at least one merchant ID associated with at least one merchant; and
the redemption transaction data is validated based at least in part on a comparison of a location of the user device and the location data associated with the merchant associated with the merchant ID of the gift data.

### Claim 17 (depends on 12)

A method as recited in claim 12, further comprising the step of causing the at least one user device to wirelessly transfer the local loop redemption card ID to the merchant terminal.

### Claim 18 (depends on 17)

A method as recited in claim 17, in which the at least one user device wirelessly communicates the local loop redemption card ID to the merchant terminal using the near field communications technology.

### Claim 19 (depends on 17)

A method as recited in claim 17, further comprising the steps of:
causing the at least one user device to display a visible code representing the local loop redemption card ID; and
operating the merchant terminal to scan the visible code displayed by the at least one user device to wirelessly communicate the local loop redemption card ID to the merchant terminal.

### Claim 20 (depends on 12)

A method as recited in claim 12, further comprising the steps of:
causing a transaction value to be stored as part of the transaction data;
storing a gift value as part of the gift data;
storing the local loop redemption card ID as part of the gift data; and
validating the transaction data based on a comparison of the transaction value and the gift value associated with the local loop redemption card ID forming part of the transaction data.

### Claim 21 (depends on 12)

A method as recited in claim 12, further comprising the steps of:
storing a merchant ID associated with the identified merchant as part of the gift data;
storing the merchant ID associated with the merchant terminal at which the redemption process is initiated as part of the transaction data; and
validating the transaction data based on a comparison of the merchant ID of the gift data and the merchant ID of the transaction data.

### Claim 22 (depends on 12)

A method as recited in claim 12, further comprising the steps of:
storing a merchant class ID associated with the identified merchant as part of the gift data;
storing the merchant class ID associated with the merchant terminal at which the redemption process is initiated as part of the transaction data; and
validating the transaction data based on a comparison of the merchant class ID of the gift data and the merchant class ID of the transaction data.