System and method for conducting transactions with a mobile device
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United States of America Patent
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Feb 2, 2021
Grant Date -
Sep 18, 2014
app pub date -
Mar 18, 2014
filing date -
Mar 15, 2013
priority date (Note) -
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status (Latency Note)
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Abstract
A mobile wallet system includes an account module comprising a physical memory database to store account information associated with a plurality of transaction devices issued to a consumer, a location module comprising a location device to determine location information of the consumer, a reward program module comprising a physical memory database to store reward information of a plurality of reward programs associated with the plurality of transaction devices, a payment method module executed on a computer processor to determine a transaction device of the plurality of transaction devices that maximizes a reward for the consumer based at least in part on the account information, the location information and the reward information, and a processing module executed on a computer processor to use the determined transaction device to complete a transaction to purchase products or services in order to maximize rewards for the consumer.
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