Systems and methods for electronic presentation of financial instrument offers
Methods and systems described in this disclosure generally relate to presentation of electronic offers that are viewable on financial instruments (e.g., credit cards and debit cards) by users. More specifically, various embodiments of the present disclosure relate to methods and systems for embedding information pertaining to the electronic offers on a financial instrument of a user. The information can be displayed on a screen or using flashing lights included inside or on the surface of the financial instrument. These offers can be provided by merchants or by banks and financial institutions associated with the financial instrument. In some embodiments, the financial instrument communicates with a mobile application running on a user's mobile device via wireless communication methods to receive offer-related information provided by the mobile application.
1. A system comprising:
a remote server configured to perform operations comprising:
receiving a request for validation of financial instrument data associated with a financial instrument of a user initiated when the financial instrument is inserted into a point-of-sale or a kiosk, the request sent by the point-of-sale or the kiosk and including financial instrument data of the user,
upon successfully validating the financial instrument data associated with the financial instrument of the user, communicating offer-related information to the point-of-sale or the kiosk for loading the offer-related information on the financial instrument of the user; and
the financial instrument of the user in electronic communication with the remote server and configured to perform operations comprising:
receiving the offer-related information sent by the remote server and conveyed by the point-of-sale or the kiosk,
loading a programmable script with the offer-related information, the programmable script stored in a local memory of the financial instrument, and
upon running the programmable script that includes the offer-related information, sending a signal to an on-board visual indicator included in the financial instrument for display of the offer-related information according to a display pattern,
wherein the display pattern uses lights to indicate a time period that an offer in the offer-related information is valid,
wherein a first color of the lights indicates a first time period in which the offer is valid,
wherein a second color of the lights indicates a second time period in which the offer is valid; and
the remote server further configured to perform the operations comprising:
in response to validating a transaction for the financial instrument at the point-of-sale or the kiosk during the time period that the offer is valid, applying the offer.
2. The system of claim 1 , wherein the financial instrument of the user is further configured to perform the operations comprising:
running the programmable script that includes the offer-related information, upon loading the programmable script with the offer-related information.
3. The system of claim 1 , wherein the on-board visual indicator includes one or more liquid crystal display (LCD) lights and the display pattern corresponds to a flashing of the LCD lights.
4. The system of claim 1 , wherein the on-board visual indicator includes one or more liquid crystal display (LCD) lights and the display pattern corresponds to a flashing of the LCD lights according to a sequence.
5. The system of claim 1 , wherein the on-board visual indicator includes one or more liquid crystal display (LCD) lights of different colors and the display pattern corresponds to a flashing of the LCD lights.
6. The system of claim 1 , wherein the on-board visual indicator includes a display screen configured to present the offer-related information in character text.
7. The system of claim 1 , wherein the offer-related information is a first offer-related information, the signal is a first signal, the display pattern is a first display pattern, the financial instrument further configured to perform the operations comprising:
wirelessly communicating with a mobile application running on a mobile computing device of the user,
receiving second offer-related information from the mobile application for loading the second offer-related information on the financial instrument of the user,
updating the programmable script with the second offer-related information, the programmable script stored in the local memory of the financial instrument, and
upon running the programmable script that includes the second offer-related information, sending a second signal to the on-board visual indicator included in the financial instrument for display of the second offer-related information according to a second display pattern.
8. The system of claim 7 , wherein the on-board visual indicator includes one or more liquid crystal display (LCD) lights and the second display pattern corresponds to a flashing of the LCD lights.
9. The system of claim 7 , wherein the on-board visual indicator includes one or more liquid crystal display (LCD) lights and the second display pattern corresponds to a flashing of the LCD lights according to a sequence.
10. The system of claim 7 , wherein the on-board visual indicator includes one or more liquid crystal display (LCD) lights of different colors and the second display pattern corresponds to a flashing of the LCD lights.
11. The system of claim 7 , wherein the on-board visual indicator includes a display screen configured to present the offer-related information in character text.
12. A system comprising:
a remote server configured to perform operations comprising:
receiving a request for online validation of financial instrument data associated with a financial instrument of a user, the request sent by a point-of-sale or a kiosk and including financial instrument data of the user, the request initiated when the user inserts the financial instrument in real time at the point-of-sale or the kiosk, and
upon successfully validating the financial instrument data, communicating information relating to successful validation to the point-of-sale or the kiosk; and
the financial instrument of the user in electronic communication with the remote server and configured to perform operations comprising:
wirelessly communicating with a mobile application running on a mobile computing device associated with the user,
receiving offer-related information from the mobile application for loading the offer-related information on the financial instrument of the user,
loading a programmable script with the offer-related information, the programmable script stored in a local memory of the financial instrument, and
upon running the programmable script that includes the offer-related information, sending a signal to an on-board visual indicator included in the financial instrument for display of the offer-related information according to a display pattern,
wherein the display pattern uses lights to indicate a time period that an offer in the offer-related information is valid,
wherein a first color of the lights indicates a first time period in which the offer is valid,
wherein a second color of the lights indicates a second time period in which the offer is valid; and
the remote server further configured to perform the operations comprising:
in response to validating a transaction for the financial instrument at the point-of-sale or the kiosk during the time period that the offer is valid, applying the offer.
13. The system of claim 12 , wherein the point-of-sale or the kiosk is a POS coupled to a merchant computer, or an ATM machine associated with a bank or financial institution.
14. The system of claim 12 , wherein the on-board visual indicator includes one or more liquid crystal display (LCD) lights and the display pattern corresponds to a flashing of the LCD lights.
15. The system of claim 12 , wherein the on-board visual indicator includes one or more liquid crystal display (LCD) lights and the display pattern corresponds to a flashing of the LCD lights according to a sequence.
16. The system of claim 12 , wherein the on-board visual indicator includes one or more liquid crystal display (LCD) lights of different colors and the display pattern corresponds to a flashing of the LCD lights.
17. The system of claim 12 , wherein the on-board visual indicator includes a display screen configured to present the offer-related information in character text.
18. A system comprising:
a mobile application running on a computing device associated with a user in a first electronic communication with a server and a second electronic communication with a financial instrument, wherein the mobile application is configured to perform operations comprising:
receiving, via the first electronic communication with the server, offer-related information for loading the offer-related information on the financial instrument,
receiving, via the second electronic communication with the financial instrument, a request for wirelessly pairing with the financial instrument, and
transmitting, via the second electronic communication with the financial instrument, the offer-related information received from the server; and
the financial instrument configured to perform operations comprising:
receiving the offer-related information from the mobile application via the second electronic communication,
loading a programmable script with the offer-related information, the programmable script stored in a local memory of the financial instrument upon the user inserting the financial instrument in real time at a point-of-sale or a kiosk, and
upon running the programmable script that includes the offer-related information, sending a signal to an on-board visual indicator included in the financial instrument for display of the offer-related information according to a display pattern,
wherein the display pattern uses lights to indicate a time period that an offer in the offer-related information is valid,
wherein a first color of the lights indicates a first time period in which the offer is valid,
wherein a second color of the lights indicates a second time period in which the offer is valid; and
the server configured to perform operations comprising:
in response to validating a transaction for the financial instrument at the point-of-sale or the kiosk during the time period that the offer is valid, applying the offer.
19. The system of claim 18 , wherein the on-board visual indicator includes one or more liquid crystal display (LCD) lights of different colors and the display pattern corresponds to a flashing of the LCD lights.
20. The system of claim 18 , wherein the on-board visual indicator includes a display screen configured to present the offer-related information in character text.