MOBILE PAYMENT AND POINT SYSTEM AND METHOD
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United States of America Patent
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Issued Date -
Mar 12, 2015
app pub date -
Nov 19, 2014
filing date -
Mar 2, 2011
priority date (Note) -
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Abstract
A system and method allows a consumer to purchase goods and services from merchants and redeem offers made by a merchant with a digital transaction on a smart phone. The merchant receives and enters the consumer's telephone number into an application. The consumer's telephone number is sent to a server, which checks for electronic coupons and loyalty points. Accounting for the value of any coupon/accumulated loyalty points, the merchant enters the payment amount into the application. which. in turn sends it back to the server. The server then sends the payment amount, any coupon details and the merchant's name to the consumer's phone. The consumer can choose to accept or decline the sale with or without using the coupon/loyalty points. A PIN number confirms the sale, which transmits to the server and then to the merchant. A digital sales receipt is sent to the merchant and consumer.
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