公开(公告)号：US20150220908A1

公开(公告)日：2015-08-06

申请号：US14688642

申请日：2015-04-16

Applicant: QUALCOMM INCORPORATED

Inventor： Frank T. YOUNG ,  Robert L. Dessert ,  Ben D. Ackerman ,  Gwenael B. Delaine ,  Lindsey K. Dorman ,  Eric R. Kraar ,  Aidoo Osei ,  Kyle Cochran ,  Steven M. Smith

IPC: G06Q20/32

CPC classification number: G06Q20/3274 ,  G06Q20/045 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q40/02

Abstract: A method for determining an appropriate redemption presentation for a virtual token associated with a stored value account is disclosed. The method may include receiving a request for presenting a redemption presentation of a virtual token and obtaining a merchant identifier associated with the request. The method may further include determining if the request is for one of an on-line transaction and a transaction with a point-of-sale terminal, and if the request is for a transaction with a point-of-sale terminal, then searching a database using the merchant identifier to find one or more redemption presentations of virtual token preferred by a merchant. Subsequently, the one or more redemption presentations of the virtual token may be transmitted over a computer network to a client device.

Abstract translation: 公开了一种用于确定与存储值帐户相关联的虚拟令牌的适当兑换呈现的方法。 该方法可以包括接收呈现虚拟令牌的兑换呈现的请求并获得与请求相关联的商家标识符。 该方法可以进一步包括确定该请求是针对在线交易中的一个以及与销售点终端的交易，以及如果该请求是用于与销售点终端的交易，则搜索一个 数据库，使用商家标识符来查找商家优选的虚拟标记的一个或多个兑换演示。 随后，虚拟令牌的一个或多个兑换表示可以通过计算机网络发送到客户端设备。