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US 9,317,849 B2Granted
Using confidential information to prepare a request and to suggest offers without revealing confidential information
AssigneeMastercard Mobile Transactions Solutions, Inc.
InventorsSatyan G. Pitroda, Mehul Desai
Life of this patent
Estimating the term…
Abstract
Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.
Claims14
A method of suggesting a vendor offer comprising:
- registering an electronic transaction device;
- receiving from the electronic transaction device transaction information for at least one transaction conducted via the transaction device through a portion of a plurality of vendor accounts;
- receiving from the electronic transaction device and storing on a non-transient computer readable medium user information designated as confidential at a transaction service provider, wherein the confidential information comprises a plurality of user accounts, the received transactional information comprising a total, date, and vendor for the plurality of accounts, and personal information for the user;
- retrieving over a network connecting the transaction service provider with a plurality of vendors associated with the plurality of vendor accounts transaction data for a portion of the plurality of vendor accounts;
- comparing the received transaction information with the retrieved transaction data;
- communicating certain stored user information selected by the user without identifying the user over a network with a plurality of vendors, wherein vendor information for at least one of the plurality of vendors is accessible by the transaction service provider from a database that includes service or product information for at least a portion of the plurality of vendors, and in response receiving one or more offers from at least one of the plurality of vendors;
- suggesting a transaction for at least one of the one or more offers to the user based at least in part on the received user information;
- and
- presenting the at least one suggested offer to the user.
6 more elements
A method of suggesting a service institution offer comprising:
- registering an electronic transaction device;
- receiving from the electronic transaction device transaction information for at least one transaction conducted via the transaction device through a portion of a plurality of service institution accounts;
- receiving from the electronic transaction device and storing on a non-transient computer readable medium user information designated as confidential at a transaction service provider, wherein the confidential information comprises a plurality of user accounts, the received transactional information comprising a total, date, and service institution for the plurality of accounts, and personal information for the user;
- retrieving over a network connecting the transaction service provider with a plurality of service institutions associated with the plurality of service institution accounts transaction data for a portion of the plurality of vendor accounts;
- comparing the received transaction information with the retrieved transaction data;
- communicating certain stored user information selected by the user without identifying the user over a network with a plurality of service institutions, wherein service institution information for at least one of the plurality of service institutions is accessible by the transaction service provider from a database that includes service or product information for at least a portion of the plurality of service institutions and in response receiving one or more offers from at least one of the plurality of service institutions;
- suggesting a transaction for at least one of the one or more offers to the user based at least in part on the received user information;
- and
- presenting the at least one suggested offer to the user.
6 more elements
Dependencies are inferred from the claim text.