SELECTING PAYMENT PLATFORMS FOR ONLINE-TO-OFFLINE TRANSACTIONS
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United States of America Patent
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N/A
Issued Date -
May 1, 2014
app pub date -
Mar 20, 2013
filing date -
Oct 29, 2012
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
Systems and methods are disclosed for providing online offers for rewards that can be tracked to offline transactions for redemption. In order to protect sensitive consumer information, payment processing details such as credit card numbers and other authorizing data are redirected through a secure network to payment processing platforms, and then tokenized for subsequent use in relatively less secure data network communications and transactions. After a secure payment processing platform has authorized a transaction such as a reward for purchases, the payment processing platform can detect qualifying retail activity and generate corresponding rewards, which may be signaled to the customer through any suitable communications medium.
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