| 主权项 |
1. A method of performing a transaction between a merchant and a consumer using a mobile device, the method comprising:
receiving, at a mobile payment transaction system, transaction information pertaining to the transaction, wherein the transaction information includes a transaction amount and wherein the transaction information is transmitted by the mobile device over a mobile device communication network, the mobile payment transaction system having at least one processor; in response to receiving the transaction information, generating, at the mobile payment transaction system, an electronic gift card having a gift card amount determined from the transaction amount using a gift card valuation rule, the gift card amount being acceptable to the merchant for completing the transaction, wherein the generated electronic gift card is funded in response to authorization by a payment processing system separate from an electronic gift card processing system; generating, at the mobile payment transaction system, an amount of rewards points to be awarded to the consumer as a result of completion of the transaction, wherein the amount of the rewards points is determined from the transaction amount or from the gift card amount using a rewards points valuation rule; and in response to receiving, from the mobile device, confirmation of the consumer accepting the transaction, (i) communicating, from the mobile payment transaction system for receipt at the mobile device, the electronic gift card for completion of the transaction and (ii) communicating, from the mobile payment transaction system for receipt at a rewards account associated with the consumer, the amount of rewards points to be awarded to the consumer in response to completion of the transaction. |
