Patent ID: 8660948
Filing Date: 2014-02-25
Classification: G06Q

Abstract:
1. A method for managing transactions with a transaction controller and a client portable computing device, the method comprising: managing the client portable computing device with the transaction controller; verifying by the transaction controller coupled to the client portable device user credentials of a user of the client portable computing device, wherein the credentials are received from the client portable computing device over a computer communications network; receiving by the transaction controller a merchant identifier corresponding to a merchant, wherein the merchant identifier is received by the transaction controller from the client portable computing device over the communications network, comparing by the transaction controller the merchant identifier against loyalty account data associated with the credentials and stored in a transaction controller database; identifying by the transaction controller and sending any matches of the merchant identifier to loyalty account data over the computer communications network to a merchant device associated with the merchant, wherein the merchant device applies at least one of a discount or benefit to a purchase transaction based on the loyalty account data; and generating by the transaction controller and transmitting a message to the client portable computing device over the computer communications network that lists one or more preferred payment options that may be selected to complete the modified purchase transaction.