Systems and methods for providing compensation, rebate, cashback, and reward for using mobile and wearable payment services

摘要

Provided are methods and systems for facilitating mobile device payments using codes and cashback business model. Upon installation of an application on a mobile device, a customer may specify his payment information, which may include data on a credit/debit card or a bank checking account. Once the payment information has been specified, the customer may receive a unique code encoding his payment information. The customer may then start scanning product barcodes with his mobile device. To make payment for products, the unique code displayed on a screen of the customer mobile device may be scanned by a payment receiver mobile device. The payment receiver mobile device may further display customer records stored in a database of a payment processing system. Based on the customer records, the customer may be provided with various cashback opportunities, as well as credits and discounts.

主权项

1. A method for providing compensation for using a mobile payment service, the method comprising: purchasing, for a price, using the mobile payment service, a mobile device operable to use the mobile payment service; receiving, by a processor of the mobile payment service, payment information associated with the purchase of the mobile device made via the mobile payment service, the payment information being associated with a mobile payment account of a user in the mobile payment service who purchased the mobile device and wherein the payment information comprises at least financial account information of the user operable to complete a purchase transaction via the mobile payment service; subsequent to the receiving of the payment information, receiving, by the processor of the mobile payment service, a deposit amount associated with the mobile device purchased by the user, the deposit amount equal to the price of the mobile device purchase; subsequent to the receiving of the deposit amount, generating, by the processor of the mobile payment service, a unique optical code, the unique optical code encoding the payment information; performing, by the mobile device, a subsequent product purchase by the user from a merchant, via the mobile payment service, the subsequent product purchase providing, by a processor of the mobile payment device, the unique optical code and a product barcode obtained by the mobile device from the product, to a display of the mobile device; displaying, by the display of the mobile device, the unique optical code and the product barcode;
completing the subsequent product purchase by the merchant scanning the unique optical code and product barcode from the display of the mobile device; providing by the merchant, to the processor of the mobile payment service, the unique optical code and the product barcode; providing, from the deposit amount, at least one of a compensation, a rebate, a cashback, and a reward to the mobile payment account of the user, the at least one of the compensation, the rebate, the cashback, and the reward being a predetermined percentage of a total cost for the subsequent product purchase; providing the at least one of the compensation, the rebate, the cashback, and the reward from the deposit amount to the mobile payment account of the user for each purchase of a product made using at least the unique optical code and the mobile payment service, subsequent to the subsequent product purchase, and wherein a total amount of the at least one of the compensation, the rebate, the cashback, and the reward provided from the deposit amount for the subsequent product purchase and the product purchases made subsequent to the product purchase does not exceed the price of the mobile device, and can only be applied to payment of the mobile payment service; wherein further including a computer-implemented method for facilitating mobile device payments using unique codes, the method comprising: providing a customer payment information via a user interface of a customer mobile device; receiving a unique code, the unique code encoding the customer payment information; reading a product barcode using the customer mobile device; displaying the unique code on a screen of the customer mobile device, the unique code being scannable by a payment receiver mobile device; transferring a payment amount for one or more products; and selectively receiving a predetermined amount of cashback based on predetermined criteria.