METHOD, SYSTEM AND DEVICE FOR EXECUTING A MOBILE TRANSACTION

摘要

A method of and system for a user executing a mobile transaction. A virtual wallet is generated on a mobile device, the mobile wallet including a reward value component. Information about an item desired to be purchased by the user is input to the mobile device. A proposed payment solution is generated from the virtual wallet that is sufficient to pay for the item and then presented to a point of sale terminal. The point of sale terminal then executes instructions from the proposed payment solution sufficient to execute payment for the item.

主权项

1. A computer-implemented method of a user executing a mobile transaction using a mobile device comprising:
a mobile device communicating with a plurality of reward server computers via a computer network to obtain from each of the reward server computers a reward account balance for each of a plurality of reward accounts; the mobile device generating a virtual wallet from at least the reward account balance information obtained for each of the plurality of reward accounts; the mobile device inputting information about an item desired to be purchased; the mobile device generating a proposed payment solution from the virtual wallet sufficient to pay for the item; the mobile device presenting the proposed payment solution to a point of sale terminal; and the point of sale terminal executing instructions from the proposed payment solution sufficient to execute payment for the item.