METHODS AND SYSTEMS FOR PERFORMING SECURE MOBILE PAYMENT AND NON-PAYMENT TRANSACTIONS WITH INTEGRATED LOYALTY, REWARDS, AND PROMOTIONS

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. The system includes a mobile backend server that stores and maintains private information, including sensitive or confidential information, of a user of a mobile device and that can provide the private information to other entities via secure communication channels so that the user can engage in electronic transactions involving that private information without having to pass private information over a mobile device or other insecure channels. The mobile backend server detects the presence of the user at or near a merchant's physical point of sale and notifies the merchant of the presence and/or identity of the user. The mobile backend server provides a communication path between the merchant and the user so that the merchant and user can engage in pre-payment activity.