Tokenized Coupon Data Structures for Mobile Wallet Redemption Tracking
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Solution Overview
Problem
Existing systems for distributing and tracking purchase incentives, such as coupons, face challenges in targeting and tracking digitized incentives within mobile wallet applications, making it difficult to ensure their redemption.
Innovation Solution
The implementation of purchase incentive data structures, including committable and tokenized coupon data structures, which associate payment elements with incentives, allowing for better targeting and tracking through tokenization and secure digital communication between mobile wallet applications and management systems.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If coupons are digitized and distributed through mobile wallet applications, then distribution efficiency and tracking capability are improved, but reliability of redemption tracking deteriorates
Solution Approach 1:
The patent introduces a tokenization intermediary layer between the coupon data structure and payment element. The tokenized coupon data structure acts as a mediator that securely links the incentive to the payment method without exposing sensitive information, enabling reliable tracking while maintaining security. The tokenization process creates a secure bridge that allows the system to track redemption reliability without compromising the integrity of the payment information.
2Measurement precision
If payment elements are associated with incentives through tokenization, then targeting precision and tracking capability are improved, but device complexity increases
Solution Approach 1:
The patent segments the coupon system into distinct modular components: committable coupon data structure, tokenized coupon data structure, and payment element association. This segmentation allows each component to perform its specific function independently, improving targeting precision while managing complexity through modular design. The segmented architecture enables precise tracking of incentives to specific payment elements without creating monolithic complexity.
Solution Approach 2:
The patent implements a nested structure where the tokenized coupon data structure contains embedded references to payment elements, which themselves contain account information. This nested doll approach allows precise targeting by nesting multiple levels of information (coupon → tokenized coupon → payment element → account), enabling granular tracking precision while organizing complexity in a hierarchical, manageable structure.
3Adaptability or versatility
If committable coupon data structures are implemented, then incentive distribution control is improved, but ease of operation deteriorates
Solution Approach 1:
The patent implements preliminary action by creating committable coupon data structures that are pre-configured with redemption terms and payment element associations before actual use. The tokenization process is performed in advance, preparing the data structures for future redemption operations. This preliminary setup improves distribution control by establishing rules and associations beforehand, while the pre-prepared structures reduce operational complexity when actual redemption occurs.
Data Source
AI summary
Various examples are directed to systems and methods for utilizing purchase incentives in an electronic mobile wallet application. The mobile wallet application may receive a committable coupon data structure comprising terms data describing a purchase incentive and cryptographic verification data. The mobile wallet application may send a request to tokenize the committable coupon data structure to an element management system. The request may include an indication of a payment element associated with the mobile wallet application. The mobile wallet application may receive, from the element management system, a tokenized coupon data structure that comprises at least a portion of the committable coupon data structure and credential data for the payment element.