Patent ID: 8942992
Filing Date: 2015-01-27
Classification: G06Q

Abstract:
1. A method of completing a contactless payment transaction, comprising: receiving, by a promotion code application executing on a portable electronic device, a rule associated with at least one coupon of a plurality of coupons from an offer platform, the rule stipulating at least one criterion to be met by the portable electronic device; determining, by the promotion code application, based on the received rule and information specific to the portable electronic device, whether the portable electronic device is qualified to receive the at least one coupon; in response to determining that the portable electronic device is qualified to receive the at least one coupon based on the received rule and the information specific to the portable electronic device, generating, by the promotion code application, a code representing the at least one coupon, wherein the code certifies to the offer platform that the promotion code application determined that the portable electronic device qualifies for the at least one coupon based on the received rule and the information specific to the portable electronic device; subsequently transmitting, by the promotion code application, a message comprising the code via a mobile wireless network to the offer platform; subsequently sending, by the promotion code application, a payment message via contactless communication to a point of sale terminal, the payment message comprising information identifying a payment account and the code; transmitting, by the point of sale terminal, the code received from the promotion code application to the offer platform; comparing, by the offer platform, the code received from the promotion code application to the code received from point of sale terminal; in response to a determination that the code received from the promotion code application matches the code received from the point of sale terminal, communicating, by the point of sale terminal, with the offer platform to receive information about the at least one coupon represented by the code; determining, by the point of sale terminal, that one or more of the at least one coupon apply to a product or service being paid for by the portable electronic device based on the received information about the at least one coupon; and charging, by the point of sale terminal, the payment account based at least in part on a discount associated with the one or more of the at least one coupon that apply to the product or service being paid for by the portable electronic device.