CA2844231C - Methode et appareil de traitement au point de vente d'une transaction de fidelisation - Google Patents

Methode et appareil de traitement au point de vente d'une transaction de fidelisation Download PDF

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Publication number
CA2844231C
CA2844231C CA2844231A CA2844231A CA2844231C CA 2844231 C CA2844231 C CA 2844231C CA 2844231 A CA2844231 A CA 2844231A CA 2844231 A CA2844231 A CA 2844231A CA 2844231 C CA2844231 C CA 2844231C
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CA
Canada
Prior art keywords
loyalty
point
transaction
mobile device
payment
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CA2844231A
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English (en)
Other versions
CA2844231A1 (fr
Inventor
Matthew Barsoum
Ovidiu Dorel Cozos
Thomas Chi Ho Wong
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Presidents Choice Bank
Original Assignee
Presidents Choice Bank
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Presidents Choice Bank filed Critical Presidents Choice Bank
Priority to CA2844231A priority Critical patent/CA2844231C/fr
Priority to US14/495,152 priority patent/US20150235256A1/en
Publication of CA2844231A1 publication Critical patent/CA2844231A1/fr
Application granted granted Critical
Publication of CA2844231C publication Critical patent/CA2844231C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Game Theory and Decision Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Une méthode et un appareil sont décrits pour le traitement au point de vente dune transaction de fidélisation dans le cadre dune transaction financière normale à laide dune interface sans contact, au moyen de communications sans contact en champ proche. En réponse à une commande de paiement et daccumulation et déchange de points de fidélisation à une application de portefeuille dun appareil mobile, lapplication de portefeuille engage une transaction de solde de points de fidélisation entre lappareil mobile et un système de gestion des relations de fidélisation avec la clientèle. En réponse à cette transaction, lapplication stocke les points disponibles dans lappareil mobile et, si lappareil est dans le champ de radiofréquence dun point de vente, lapplication engage une transaction échelonnée par laquelle le point de vente ajuste le montant final de la transaction en fonction des points disponibles à léchange.
CA2844231A 2014-02-14 2014-02-27 Methode et appareil de traitement au point de vente d'une transaction de fidelisation Active CA2844231C (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2844231A CA2844231C (fr) 2014-02-14 2014-02-27 Methode et appareil de traitement au point de vente d'une transaction de fidelisation
US14/495,152 US20150235256A1 (en) 2014-02-14 2014-09-24 Method and apparatus for point-of-sale processing of a loyalty transaction

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
CA2842922A CA2842922A1 (fr) 2014-02-14 2014-02-14 Methode et appareil de traitement au point de vente d'une transaction de fidelisation
CA2842922 2014-02-14
CA2844231A CA2844231C (fr) 2014-02-14 2014-02-27 Methode et appareil de traitement au point de vente d'une transaction de fidelisation

Publications (2)

Publication Number Publication Date
CA2844231A1 CA2844231A1 (fr) 2015-08-14
CA2844231C true CA2844231C (fr) 2020-04-14

Family

ID=53836983

Family Applications (2)

Application Number Title Priority Date Filing Date
CA2842922A Abandoned CA2842922A1 (fr) 2014-02-14 2014-02-14 Methode et appareil de traitement au point de vente d'une transaction de fidelisation
CA2844231A Active CA2844231C (fr) 2014-02-14 2014-02-27 Methode et appareil de traitement au point de vente d'une transaction de fidelisation

Family Applications Before (1)

Application Number Title Priority Date Filing Date
CA2842922A Abandoned CA2842922A1 (fr) 2014-02-14 2014-02-14 Methode et appareil de traitement au point de vente d'une transaction de fidelisation

Country Status (1)

Country Link
CA (2) CA2842922A1 (fr)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20240273497A1 (en) * 2013-12-18 2024-08-15 PayRange Inc. Refund Centers For Processing And Dispensing Vending Machine Refunds Via An MDB Router
US12086811B2 (en) 2013-12-18 2024-09-10 PayRange Inc. Processing interrupted transactions over non-persistent network connections
US12093962B2 (en) 2013-12-18 2024-09-17 PayRange Inc. Intermediary communications over non-persistent network connections
US12093963B2 (en) 2013-12-18 2024-09-17 PayRange Inc. Method and system for performing mobile device-to-machine payments
US12106299B2 (en) 2013-12-18 2024-10-01 PayRange Inc. Method and system for presenting representations of payment accepting unit events

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20240273497A1 (en) * 2013-12-18 2024-08-15 PayRange Inc. Refund Centers For Processing And Dispensing Vending Machine Refunds Via An MDB Router
US12086811B2 (en) 2013-12-18 2024-09-10 PayRange Inc. Processing interrupted transactions over non-persistent network connections
US12093962B2 (en) 2013-12-18 2024-09-17 PayRange Inc. Intermediary communications over non-persistent network connections
US12093963B2 (en) 2013-12-18 2024-09-17 PayRange Inc. Method and system for performing mobile device-to-machine payments
US12106299B2 (en) 2013-12-18 2024-10-01 PayRange Inc. Method and system for presenting representations of payment accepting unit events

Also Published As

Publication number Publication date
CA2844231A1 (fr) 2015-08-14
CA2842922A1 (fr) 2015-08-14

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Legal Events

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Effective date: 20180213