Prescient and adaptive point-of-sale systems
Systems, apparatus, methods, and non-transitory media for providing prescient and adaptive point-of-sale services via electronic networks are discussed herein. Some embodiments may include a system with one or more servers. The one or more servers may be configured to generate digital consumer tokens and provide the digital consumer tokens to consumer devices for sharing with merchant devices. When a merchant device receives the digital consumer token, the merchant device may forward the digital consumer token to the one or more servers in exchange for consumer data to facilitate consumer service. In some embodiments, the one or more servers may be configured to provide point-of-sale interfaces that adapt to different consumer preferences or consumer device signals. Some embodiments may provide for consumer interfaces that allow consumers to manage their electronic identity at various (e.g., merchant) locations.
1. A system, comprising one or more computers and one or more storage devices storing instructions that are operable, when executed by the one or more computers, to cause the one or more computers to:
generate a first consumer profile for a consumer identity, wherein the first consumer profile comprises digital purchasing preference data deemed to be sharable with merchant devices without requiring express authorization associated with the consumer identity;
generate a second consumer profile for the consumer identity, wherein the second consumer profile comprises digital payment data deemed not to be shareable with merchant devices without requiring express authorization associated with the consumer identity;
generate a digital consumer token associated with the first consumer profile and the second consumer profile;
provide the digital consumer token to a consumer device associated with the consumer identity; and
facilitate, via a merchant device, a transaction associated with the consumer identity based on the first consumer profile or the second consumer profile.
2. The system of claim 1 , wherein the one or more storage devices store instructions that are operable, when executed by the one or more computers, to further cause the one or more computers to:
determine authorization data for the merchant device.
3. The system of claim 2 , wherein the one or more storage devices store instructions that are operable, when executed by the one or more computers, to further cause the one or more computers to:
select the first consumer profile or the second consumer profile for the transaction based on the authorization data for the merchant device.
4. The system of claim 2 , wherein the one or more storage devices store instructions that are operable, when executed by the one or more computers, to further cause the one or more computers to:
render, based on the authorization data for the merchant device, a point-of sale interface that is customized for the consumer identity based on the second consumer profile that comprises the digital payment data.
5. The system of claim 2 , wherein the one or more storage devices store instructions that are operable, when executed by the one or more computers, to further cause the one or more computers to:
receive the digital consumer token associated with a consumer device;
identify the first consumer profile based on the digital consumer token; and
render a point-of sale interface that is customized for the consumer identity based on the first consumer profile that comprises the digital purchasing preference data.
6. The system of claim 1 , wherein the one or more storage devices store instructions that are operable, when executed by the one or more computers, to further cause the one or more computers to:
provide the first consumer profile to the merchant device to cause rendering, at the merchant device, of a point-of sale interface that is customized for the consumer identity based on the digital purchasing preference data of the first consumer profile.
7. The system of claim 1 , wherein the one or more storage devices store instructions that are operable, when executed by the one or more computers, to further cause the one or more computers to:
receive a merchant identifier associated with the merchant device;
apply one or more sharing rules associated with the second consumer profile to a merchant account associated with the merchant identifier to determine if the merchant device is a trusted merchant device; and
in response a determination that the merchant device is a trusted merchant device, provide the second consumer profile to the merchant device.
8. The system of claim 1 , wherein the one or more storage devices store instructions that are operable, when executed by the one or more computers, to further cause the one or more computers to:
receive, from the merchant device, transaction data associated with the transaction; and
update at least one of the first consumer profile and the second consumer profile based on the transaction data.
9. The system of claim 1 , wherein the one or more storage devices store instructions that are operable, when executed by the one or more computers, to further cause the one or more computers to:
receive discretionary data from the consumer device, wherein the discretionary data indicates that a particular merchant identifier is pre-approved to receive the second consumer profile;
receive a merchant identifier associated with the merchant device;
determine if the merchant identifier is associated with the particular merchant identifier; and
in response to a determination that the merchant identifier is associated with the particular merchant identifier, provide the second consumer profile to the merchant device.
10. A computer-implemented method, comprising:
generating, by processing circuitry of one or more servers, a first consumer profile for a consumer identity, wherein the first consumer profile comprises digital purchasing preference data deemed to be sharable with merchant devices without an authorization associated with the consumer identity;
generating, by the processing circuitry, a second consumer profile for the consumer identity, wherein the second consumer profile comprises digital payment data deemed not to be shareable with merchant devices without an authorization associated with the consumer identity;
generating, by the processing circuitry, a digital consumer token associated with the first consumer profile and the second consumer profile;
providing, by the processing circuitry, the digital consumer token to a consumer device associated with the consumer identity; and
facilitating, by the processing circuitry and via a merchant device, a transaction associated with the consumer identity based on the first consumer profile or the second consumer profile.
11. The computer-implemented method of claim 10 , further comprising:
determining, by the processing circuitry, authorization data for the merchant device.
12. The computer-implemented method of claim 11 , further comprising:
selecting, by the processing circuitry, the first consumer profile or the second consumer profile for the transaction based on the authorization data for the merchant device.
13. The computer-implemented method of claim 11 , further comprising:
rendering, by the processing circuitry and based on the authorization data for the merchant device, a point-of sale interface that is customized for the consumer identity based on the second consumer profile that comprises the digital payment data.
14. The computer-implemented method of claim 11 , further comprising:
receiving, by the processing circuitry, the digital consumer token associated with a consumer device;
identifying, by the processing circuitry, the first consumer profile based on the digital consumer token; and
rendering, by the processing circuitry, a point-of sale interface that is customized for the consumer identity based on the first consumer profile that comprises the digital purchasing preference data.
15. The computer-implemented method of claim 10 , further comprising:
providing, by the processing circuitry, the first consumer profile to the merchant device to cause rendering, at the merchant device, of a point-of sale interface that is customized for the consumer identity based on the digital purchasing preference data of the first consumer profile.
16. The computer-implemented method of claim 10 , further comprising:
receiving, by the processing circuitry, a merchant identifier associated with the merchant device;
applying, by the processing circuitry, one or more sharing rules associated with the second consumer profile to a merchant account associated with the merchant identifier to determine if the merchant device is a trusted merchant device; and
in response to determining that the merchant device is a trusted merchant device, providing, by the processing circuitry, the second consumer profile to the merchant device.
17. The computer-implemented method of claim 10 , further comprising:
receiving, by the processing circuitry and from the merchant device, transaction data associated with the transaction; and
updating, by the processing circuitry, at least one of the first consumer profile and the second consumer profile based on the transaction data.
18. A computer program product, stored on a computer readable medium, comprising instructions that when executed by one or more computers cause the one or more computers to:
generate a first consumer profile for a consumer identity, wherein the first consumer profile comprises digital purchasing preference data deemed to be sharable with merchant devices without an authorization associated with the consumer identity;
generate a second consumer profile for the consumer identity, wherein the second consumer profile comprises digital payment data deemed not to be shareable with merchant devices without an authorization associated with the consumer identity;
generate a digital consumer token associated with the first consumer profile and the second consumer profile;
provide the digital consumer token to a consumer device associated with the consumer identity; and
facilitate, via a merchant device, a transaction associated with the consumer identity based on the first consumer profile or the second consumer profile.
19. The computer program product of claim 18 , wherein the instructions, when executed by the one or more computers, further cause the one or more computers to:
render, based on authorization data for the merchant device, a point-of sale interface that is customized for the consumer identity based on the second consumer profile that comprises the digital payment data.
20. The computer program product of claim 18 , wherein the instructions, when executed by the one or more computers, further cause the one or more computers to:
receive the digital consumer token associated with a consumer device;
identify the first consumer profile based on the digital consumer token; and
render a point-of sale interface that is customized for the consumer identity based on the first consumer profile that comprises the digital purchasing preference data.