| 摘要 |
According to one aspect, the subject matter described herein includes a system for performing secure mobile payment and non-payment transactions with integrated loyalty, rewards, and promotions. A mobile backend server (MBE) stores and maintains payment and non-payment account information for users, and presents a list of available payment and non-payment instruments to the user prior to the user's interaction with a merchant for shopping, item selection, or checkout. In response to detecting an interaction between the user and a merchant for shopping, item selection, or checkout, the MBE determines incentives that are available to the user, presents the available incentives to the user for selection prior to completion of a payment or non-payment transaction with the merchant, and determines which of the available incentives and payment instruments are selected by the user. The incentives and/or transaction amounts presented to the user are dynamically updated based on the user selection. |
| 主权项 |
1. A system for performing secure mobile payment and non-payment transactions with integrated loyalty, rewards, and promotions, the system comprising:
a mobile backend server that:
stores and maintains payment and non-payment account information for a user;receives, from a mobile device of the user, first information associated with a first physical location proximate to a physical location of the user, and uses the first information to establish a digital communication with a merchant backend system associated with the first physical location;presents a list of available payment and non-payment instruments to the user via the mobile device of the user prior to the user's interaction with the merchant backend system via the digital communication for shopping, item selection, or checkout; anddetects a shopping, item selection, or checkout interaction between the user and the merchant backend system, and, in response to that detection:
determines incentives that are available to the user, wherein the incentives comprise at least one of loyalty points, rewards, discounts, coupons, or promotions and presents the available incentives to the user for selection prior to initiation of a payment or non-payment transaction with the merchant;determines which of the available incentives are selected by the user; anddetermines a transaction amount associated with the shopping, item selection, or checkout interaction and presents the determined transaction amount to the user;wherein at least one of the incentives or transaction amounts presented to the user via the mobile device of the user are dynamically updated based on at least one of an incentive selection or a payment instrument selection by the user prior to initiation of the payment or non-payment transaction. |
