Patent ID: 8566239

Claim:
A method of providing a plurality of mobile commerce functions, the method comprising: receiving at a first acquirer system operated by a business entity a communication related to a function of a plurality of functions of a mobile wallet application of a mobile device of a customer, wherein the communication is received from a merchant system separate from the first acquirer system, and wherein the communication comprises: information related to a customer loyalty program; and information related to a payment; identifying with the first acquirer system one or more second acquirer systems of a plurality of acquirer systems operated by the business entity for handling of the communication, wherein: each of the plurality of acquirer systems process different types of financial transactions; the one or more second acquirer systems are identified based on the communication received from the merchant system; a first identified one of the plurality of acquirer systems comprises a payment system; and a second identified one of the plurality of acquirer systems comprises a customer loyalty system; routing the communication from the first acquirer system to the first identified one of the plurality of acquirer systems for handling of the payment; routing the communication from the first acquirer system to the second identified one of the plurality of acquirer systems for handling of the customer loyalty program; receiving at the first acquirer system a reply to the communication from at least one of the identified one or more second acquirer systems; generating with the first acquirer system an electronic receipt corresponding to the payment, the electronic receipt comprising transaction information; transmitting the electronic receipt directly from the first acquirer system to a personal computer of the customer; and wirelessly transmitting the electronic receipt from the personal computer of the customer to the mobile wallet application of the mobile device for synchronization with the mobile wallet application of the mobile device.