Systems and methods for facilitating loyalty and reward functionality in mobile commerce

Abstract

The disclosure relates to systems and methods for facilitating loyalty and reward functionality in mobile commerce. In one embodiment, a method for providing a loyalty/reward program can include receiving an indication that a consumer has entered a predefined merchant location; transmitting a notification to a mobile device associated with the consumer; providing one or more payment tools on a mobile device for the consumer to facilitate a purchase from a merchant associated with the predefined merchant location; generating a loyalty/reward credit for an account associated with the consumer; and receiving an instruction from the consumer to redeem loyalty/reward credit for goods and/or service from the merchant.

Description

RELATED APPLICATIONS[0001]This application claims priority to U.S. Ser. No. 61 / 699,728, titled “Systems and Methods for Implementing Mobile Commerce,” filed on Sep. 11, 2012, and to U.S. Ser. No. 61 / 799,676, titled “Systems and Methods for Implementing Mobile Commerce,” filed on Mar. 15, 2013, the entire contents of both are hereby incorporated by reference.FIELD OF THE DISCLOSURE[0002]The disclosure generally relates to mobile commerce, and more particularly, to systems and methods for facilitating loyalty and reward functionality in mobile commerce.BACKGROUND[0003]Commercial transactions to purchase certain goods and services are being implemented by consumers using mobile devices, such as smartphones. However, many commercial transactions are still cumbersome to implement since many conventional point-of-sale (POS) terminals and devices, payment processing systems, and smartphone interfaces are not configured for user-friendly transactions.BRIEF DESCRIPTION OF THE DISCLOSURE[0004...

AI Technical Summary

Benefits of technology

[0017]In another embodiment, a method for checking in to pay can be provided. The method can include receiving an indication that a consumer has arrived at or will arrive at predefined merchant location; transmitting a respective notification to a point of sale (POS) device associated with a merchant; based at least in part on the indication, determining consumer identity, merchant identity and/or merchant's loyalty/reward program; outputting information associated with one or more consumers at the predefined merchant location; receiving a name or unique code with payment information from at least one consumer; authenticating the name or unique code; facilitating payment processing associated with the consumer purchase of a good and/or service from merchant; receiving payment authorization request from consumer; and transmitting payment confirmation, offer and/or loyalty/reward credit confirmation to POS device and/or mobile device associated with consumer.

[0018]In another embodiment, a system for checking in to pay can be provided. The system can include at

Problems solved by technology

However, many commercial transactions are still cumbersome to implement since many conventional point-of-sale (POS) termi

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