Consumer presence based deal offers
Systems and related methods facilitating payments with a mobile device are discussed herein. Circuitry in a networked-based central system, which may be a promotional system or payment system, may be configured to receive payment information from a consumer device. The consumer device may include circuitry configured to receive wallet identifying data from the central system. The wallet identification data may be used to secure messages between the consumer device and another device, such as a merchant device, over a wireless link. In some embodiments, the consumer device may receive promotional offers, such as deal vouchers or rewards, and make payments to the other device via the wireless link.
1. A networked device comprising processing circuitry configured to:
receive consumer identifying data from a consumer device;
generate anonymous identifying data associated with the consumer identifying data and a private key, wherein the anonymous identifying data and the private key have a mathematical relationship;
associate promotional data with the consumer identifying data, wherein the promotional data is also associated with a merchant;
send the anonymous identifying data to the consumer device, wherein:
the anonymous identifying data is sent to a merchant device by the consumer device without action of the networked device, and
the merchant device is associated with the merchant;
receive the anonymous identifying data from the merchant device;
validate the anonymous identifying data received from the merchant device with the mathematical relationship and the private key;
send the consumer identifying data to the merchant device after validating the anonymous identifying data; and
send the promotional data.
2. The networked device of claim 1 , wherein the processing circuitry is further configured to:
receive a request to authorize a payment of a total amount, the total amount to be paid to the merchant by the networked device from a payment account associated with the consumer device;
determine the promotional data is associated with a discount;
process the request by applying the discount to the total amount and pay a remaining amount to the merchant from the payment account; and
send a payment confirmation indicating payment of a total cost less the discount to the merchant device after processing the request.
3. The networked device of claim 2 , wherein the processing circuitry is further configured to:
retain a portion of the remaining amount as a fee for services provided to the merchant device.
4. The networked device of claim 2 , wherein the processing circuitry is further configured to:
facilitate payment to a merchant account associated with the merchant device.
5. The networked device of claim 1 , wherein the processing circuitry is further configured to:
determine when the consumer device is in proximity to the merchant device; and
in response to determining when the consumer device is in proximity to the merchant device, send the promotional data to the consumer device.
6. The networked device of claim 5 , wherein the processing circuitry is configured to:
determine that the consumer device is in proximity to the merchant device based at least in part on a received signal strength indication or travel-time locating technique.
7. The networked device of claim 1 , wherein the anonymous identifying data comprises one or more of keys, random numbers, codes or tokens.
8. A computer-implemented method of facilitating a payment by a networked device, comprising:
receiving consumer identifying data from a consumer device;
generating anonymous identifying data associated with the consumer identifying data and a private key, wherein the anonymous identifying data and the private key have a mathematical relationship;
associating promotional data with the consumer identifying data, wherein the promotional data is also associated with a merchant;
sending the anonymous identifying data to the consumer device, wherein:
the anonymous identifying data is sent to a merchant device by the consumer device without action of the networked device, and
the merchant device is associated with the merchant;
receiving the anonymous identifying data from a merchant device, wherein the merchant device is associated with the merchant;
validating the anonymous identifying data received from the merchant device with the mathematical relationship and the private key;
sending the consumer identifying data to the merchant device after validating the anonymous identifying data; and
sending the promotional data.
9. The computer-implemented method of claim 8 , further comprising:
receiving a request to authorize a payment of a total amount, the total amount to be paid to the merchant by the networked device from a payment account associated with the consumer device;
determining the promotional data is associated with a discount;
processing the request by applying the discount to the total amount and pay a remaining amount to the merchant from the payment account; and
sending a payment confirmation indicating payment of a total cost less the discount to the merchant device after processing the request.
10. The computer-implemented method of claim 9 , further comprising:
retaining a portion of the remaining amount as a fee for services provided to the merchant device.
11. The computer-implemented method of claim 9 , further comprising:
facilitating payment to a merchant account associated with the merchant device.
12. The computer-implemented method of claim 8 , further comprising:
determining when the consumer device is in proximity to the merchant device; and
in response to determining when the consumer device is in proximity to the merchant device, sending the promotional data to the consumer device.
13. The computer-implemented method of claim 12 , wherein the determining that the consumer device is in proximity to the merchant device based at least in part on a received signal strength indication or travel-time locating technique.
14. The computer-implemented method of claim 8 , wherein the anonymous identifying data comprises one or more of keys, random numbers, codes or tokens.
15. A computer program product comprising at least one computer readable non-transitory memory having program code instructions stored thereon, the program code instructions which when executed by an apparatus cause the apparatus to at least:
receive consumer identifying data from a consumer device;
generate anonymous identifying data associated with the consumer identifying data and a private key, wherein the anonymous identifying data and the private key have a mathematical relationship;
associate promotional data with the consumer identifying data, wherein the promotional data is also associated with a merchant;
send the anonymous identifying data to the consumer device, wherein:
the anonymous identifying data is sent to a merchant device by the consumer device without action of the apparatus, and
the merchant device is associated with the merchant;
receive the anonymous identifying data from the merchant device;
validate the anonymous identifying data received from the merchant device with the mathematical relationship and the private key;
send the consumer identifying data to the merchant device after validating the anonymous identifying data; and
send the promotional data.
16. The computer program product of claim 15 , further comprising program code instructions, which when executed by the apparatus further cause the apparatus at least to:
receive a request to authorize a payment of a total amount, the total amount to be paid to the merchant by the apparatus from a payment account associated with the consumer device;
determine the promotional data is associated with a discount;
process the request by applying the discount to the total amount and pay a remaining amount to the merchant from the payment account; and
send a payment confirmation indicating payment of a total cost less the discount to the merchant device after processing the request.
17. The computer program product of claim 16 , further comprising program code instructions, which when executed by the apparatus further cause the apparatus at least to:
retain a portion of the remaining amount as a fee for services provided to the merchant device.
18. The computer program product of claim 16 , further comprising program code instructions, which when executed by the apparatus further cause the apparatus at least to:
facilitate payment to a merchant account associated with the merchant device.
19. The computer program product of claim 15 , further comprising program code instructions, which when executed by the apparatus further cause the apparatus at least to:
determine when the consumer device is in proximity to the merchant device; and
in response to determining when the consumer device is in proximity to the merchant device, send the promotional data to the consumer device.
20. The computer program product of claim 19 , further comprising program code instructions, which when executed by the apparatus further cause the apparatus at least to:
determine that the consumer device is in proximity to the merchant device based at least in part on a received signal strength indication or travel-time locating technique.