IP Library Granted Patent US 10,650,400
Granted Patent B2
US 10,650,400 · App. 14/918,835 · Granted May 12, 2020

Payment data systems and methods

Inventors: Jason Gross (New York, NY); Senthilkumaran Kanagaratnam (San Jose, CA); Jay David Parsons (Los Gatos, CA)
Assignee: VeriFone, Inc.
G06Q30/0238G06Q20/204G06Q20/34G06Q30/0268
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Quick Facts
Patent No.
US 10,650,400
App. No.
14/918,835
Granted
May 12, 2020
Kind
B2
Abstract

An electronic offer system including a payment instrument reader for reading payment instrument data from a payment instrument and an offer-payment instrument account association (O-PIAA) server communicating with the payment instrument reader and automatically operative in response to reading of the payment instrument data by the payment instrument reader to associate at least one offer in an offer program with a payment instrument account indicated by the payment instrument data.

Claims (32)

1. An electronic offer method comprising:

in an offer-payment instrument account association server comprising at least one computer processor:

receiving, from a first payment terminal device for a first merchant comprising a display, acceptance data identifying an accepted offer, the accepted offer having been presented on the display, and payment instrument data for a payment instrument;

storing association data that associates the payment instrument data with the acceptance data;

receiving, from a second payment terminal device for a second merchant, transaction data for a transaction comprising transaction payment instrument data for a transaction payment instrument;

ascertaining that the transaction payment instrument data is associated with the payment instrument data;

verifying that the transaction is covered by the accepted offer; and

causing a payment card company for the transaction payment instrument to credit the transaction payment instrument according to the accepted offer.

2. The method of claim 1 , further comprising:

communicating the association data to the payment card company.

3. The method of claim 1 , wherein the transaction data is received after the transaction is complete.

4. The method of claim 1 , further comprising:

receiving a personal contact hook for a holder of the payment instrument.

5. The method of claim 4 , wherein the personal contact hook comprises at least one of a telephone number, an email address, a social network identifier and a messaging identifier.

6. The method of claim 4 , further comprising:

communicating the crediting of the transaction payment instrument to the personal contact hook.

7. The method of claim 1 , wherein at least one of the first payment terminal device or the second payment terminal device comprises a point of sale device.

8. An electronic offer content server, comprising:

at least one computer processor;

a memory;

wherein the electronic offer content server:

receives, from a first payment terminal device for a first merchant, acceptance data identifying an accepted offer that was presented by a display on the payment terminal;

receives payment instrument data for a payment instrument; associates the payment instrument data with the acceptance data; receives, from a second payment terminal device for a second merchant, transaction data for a transaction comprising transaction payment instrument data for a transaction payment instrument;

determines, based on the payment instrument data and the transaction payment instrument data, that the acceptance data is associated with the transaction payment instrument;

verifies that the transaction is covered by the accepted offer; and

causes a payment card company for the transaction payment instrument to credit the transaction payment instrument according to the accepted offer.

9. The electronic offer content server of claim 8 , wherein the electronic offer content server communicates the association data to the payment card company.

10. The electronic offer content server of claim 8 , wherein the electronic offer content server receives the transaction data after the transaction is complete.

11. The electronic offer content server of claim 8 , wherein the electronic offer content server receives a personal contact hook for a holder of the payment instrument.

12. The electronic offer content server of claim 11 , wherein the personal contact hook comprises at least one of a telephone number, an email address, a social network identifier and a messaging identifier.

13. The electronic offer content server of claim 11 , wherein the electronic offer content server communicates the crediting of the transaction payment instrument to the personal contact hook.

14. The electronic offer content server of claim 8 , wherein at least one of the first payment terminal device or the second payment terminal device comprises a point of sale device.

Assignments (7)
ASSIGNMENT OF SECURITY INTEREST IN PATENT COLLATERAL RECORDED AT R/F 046920-0784 Recorded Apr 28, 2025
From: UBS AG, STAMFORD BRANCH, AS SUCCESSOR TO CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH, AS ASSIGNOR
To: BARCLAYS BANK PLC, AS ASSIGNEE
Reel/Frame 071095/0667 →
RELEASE OF SECURITY INTEREST RECORDED AT REEL/FRAME 46920/0817 Recorded May 10, 2019
From: CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH
To: VERIFONE SYSTEMS, INC.; VERIFONE, INC.; HYPERCOM CORPORATION
Reel/Frame 049150/0190 →
SECOND LIEN PATENT SECURITY AGREEMENT Recorded Aug 23, 2018
From: VERIFONE, INC.; HYPERCOM CORPORATION
To: CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH AS COLLATERAL AGENT
Reel/Frame 046920/0817 →
FIRST LIEN PATENT SECURITY AGREEMENT Recorded Aug 23, 2018
From: VERIFONE, INC.; HYPERCOM CORPORATION
To: CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH AS COLLATERAL AGENT
Reel/Frame 046920/0784 →
RELEASE (R045575F0019) Recorded Aug 21, 2018
From: JPMORGAN CHASE BANK, N.A.
To: VERIFONE, INC.; HYPERCOM CORPORATION
Reel/Frame 046865/0270 →
SECURITY INTEREST Recorded Mar 13, 2018
From: VERIFONE, INC.; HYPERCOM CORPORATION
To: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
Reel/Frame 045575/0019 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 24, 2016
From: GROSS, JASON; KANAGARATNAM, SENTHILKUMARAN; PARSONS, JAY DAVID
To: VERIFONE, INC.
Reel/Frame 037809/0728 →
Continuity (2)
Provisional Application 62068920 · Oct 27, 2014
Related Publication 20160117715A1 · Apr 28, 2016