Secure exchange of indicia of value and associated information
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United States of America Patent
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-
Dec 19, 2017
Issued Date -
N/A
app pub date -
Feb 11, 2011
filing date -
Apr 6, 2010
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
Secure exchange of value and associated information in financial transactions involving beneficial offers available for customers is provided. Various offers, including discounts, prepaid amounts, and the like may be purchased by customers for use with various merchants. A third party issuer obtains information from the customer in selling the offers and issues some kind of indicium of value having a representation of the value of the offer associated therein. Record of the indicia are maintained and either transmitted to the merchant or kept by the issuer or associated financial institutions. When the customer redeems the offer by presenting the indicium to the merchant, the merchant may either authenticate the indicium using the records received by the issuer, or establish communication with the issuer for the issuer to authenticate the indicium, either by itself or in cooperation with one or more related financial institutions.
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