Contactless user identification by digital wallet to retailer point of sale
Example methods and apparatus for combining electronic payment and rewards redemption at retail points of sale are disclosed. A point of sale (POS) system may be configured to facilitate contactless payments while securing customer payment data. When a customer with a payment application installed on a mobile device initiates a transaction, the application obtains reference data associated with a customer account from an account services server of the POS. The reference data is then passed from the application of the mobile device to a POS terminal, such as by near field communication. Upon receiving the token, the POS terminal obtains customer payment data from the account services server and rewards program data for the customer from a rewards program server. Available rewards may be automatically applied prior to processing payment using the payment data to complete the contactless payment transaction.
1. A method for electronic payment and rewards redemption at a retail point of sale (POS), the method comprising:
providing, by an accounts services server to a mobile device via an electronic communication network, reference data for accessing cardholder data associated with a user account based on an identifier received from the mobile device;
receiving, at a POS system, the reference data and the identifier from the mobile device;
obtaining, by the POS system via the electronic communication network, rewards program data from a rewards program server based on the identifier;
applying, by the POS system, one or more rewards benefits to a transaction based on the rewards program data;
obtaining, by the POS system via the electronic communication network, the cardholder data from the accounts services server based on the reference data, wherein the cardholder data includes a payment account number and the reference data does not include the payment account number; and
applying, by the POS system, the cardholder data to the transaction by electronic communication via the electronic communication network with a payment services server of a payment services network to obtain payment associated with the transaction.
2. The method of claim 1 , further comprising:
verifying, by the POS system, an application of the mobile device based on an application identifier of an application of the mobile device.
3. The method of claim 1 , further comprising generating, by the accounts services server, the reference data based on the identifier received from the mobile device, wherein the reference data includes a secure token.
4. The method of claim 1 , wherein the POS system obtains the reference data and the identifier in a single transfer.
5. The method of claim 1 , wherein the rewards program data includes one or more rules representing how the one or more rewards benefits are to be applied by the POS system, and further comprising applying, at the POS system, the one or more rewards benefits to the transaction based on the one or more rules.
6. The method of claim 5 , further comprising at least one of defining or configuring, by the POS system, the one or more rules based on one or more user inputs received from the mobile device.
7. The method of claim 5 , wherein at least one of the one or more rules identifies an item category to which the one or more rewards benefits may not be applied.
8. The method of claim 1 , wherein:
at least some of the reference data is temporary reference data that expires after a period of time; and
obtaining the cardholder data comprises sending the temporary reference data to the accounts services server and receiving the cardholder data in a response from the accounts services server.
9. The method of claim 1 , wherein the POS system receives the reference data and the identifier from the mobile device via a near field communication transfer.
10. A system for electronic payment and rewards redemption at a retail point of sale (POS), the system comprising:
an accounts services server configured to communicate with the POS system via an electronic communication network and comprising one or more processors configured by executable instructions to:
provide reference data for accessing cardholder data associated with a user account to a mobile device via the electronic communication network based on an identifier received from the mobile device; and
provide the cardholder data to POS systems via the electronic communication network upon receipt of the reference data from such POS systems; and
a POS system communicatively connected to the accounts services server via the electronic communication network and comprising one or more processors configured by computer-readable instructions to:
receive the reference data and the identifier from the mobile device;
obtain rewards program data from a rewards program server via the electronic communication network based on the identifier;
apply one or more rewards benefits to a transaction based on the rewards program data;
obtain the cardholder data from the accounts services server via the electronic communication network based on the reference data, wherein the cardholder data includes a payment account number and the reference data does not include the payment account number; and
apply the cardholder data to the transaction by electronic communication via the electronic communication network with a payment services server of a payment services network to obtain payment associated with the transaction.
11. The system of claim 10 , wherein the accounts services server is further configured to generate the reference data based on the identifier received from the mobile device, wherein the reference data comprises a secure token.
12. The system of claim 10 , further comprising the rewards program server, wherein the rewards program server comprises one or more processors configured by machine-readable instructions to:
store the rewards program data; and
provide the rewards program data to the POS systems upon receipt of the identifier from such POS systems.
13. The system of claim 10 , wherein:
at least some of the reference data is temporary reference data that expires after a period of time; and
the POS system is further configured to obtain the cardholder data from the accounts services server based on the reference data for an additional retail transaction during the period of time.
14. The system of claim 10 , wherein the POS system includes a near field transceiver to receive the reference data and the identifier from the mobile device.
15. A non-transitory, machine-readable, storage medium storing instructions for electronic payment and rewards redemption at a retail point of sale (POS) that, when executed by one or more processors of a POS system, cause the POS system to:
receive reference data for accessing cardholder data associated with a user account and an identifier from a mobile device, wherein the reference data is associated with the user account by an accounts services server based upon the identifier;
obtain rewards program data from a rewards program server via an electronic communication network based on the identifier;
apply one or more rewards benefits to a transaction based on the rewards program data;
obtain the cardholder data from the accounts services server via the electronic communication network based on the reference data, wherein the cardholder data includes a payment account number and the reference data does not include the payment account number; and
apply the cardholder data to the transaction by electronic communication via the electronic communication network with a payment services server of a payment services network to obtain payment associated with the transaction.
16. The non-transitory, machine-readable, storage medium of claim 15 , wherein:
at least some of the reference data is temporary reference data that expires after a period of time; and
the instructions, when executed by the one or more processors, cause the POS system to obtain the cardholder data from the accounts services server based on the reference data for an additional retail transaction during the period of time.
17. The non-transitory, machine-readable, storage medium of claim 15 , wherein the instructions, when executed by the one or more processors, cause the POS system to verify an application of the mobile device based on an application identifier of an application of the mobile device.
18. The non-transitory, machine-readable, storage medium of claim 15 , wherein the reference data comprises a secure token generated by the accounts services server.
19. The non-transitory, machine-readable, storage medium of claim 15 , wherein:
the rewards program data includes one or more rules representing how the one or more rewards benefits are to be applied by the POS system; and
the instructions, when executed by the one or more processors, cause the POS system to apply the one or more rewards benefits to the transaction based on the one or more rules.