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公开(公告)号：US12039521B1
公开(公告)日：2024-07-16
申请号：US18134289
申请日：2023-04-13
申请人： WALGREEN CO.
发明人： Christopher John Swiderski , Sergio Garcia , Shalini Kondreddy , Gregory John Damler , Satya Chandra Mouli Kota , Marcus Osacky , George Findling
CPC分类号： G06Q20/3674 , G06Q20/20 , G06Q20/322 , G06Q20/3278 , G06Q20/385
摘要： Example methods and apparatus for combining electronic payment and rewards redemption at retail points of sale are disclosed. A point of sale (POS) system may be configured to facilitate contactless payments while securing customer payment data. When a customer with a payment application installed on a mobile device initiates a transaction, the application obtains reference data associated with a customer account from an account services server of the POS. The reference data is then passed from the application of the mobile device to a POS terminal, such as by near field communication. Upon receiving the token, the POS terminal obtains customer payment data from the account services server and rewards program data for the customer from a rewards program server. Available rewards may be automatically applied prior to processing payment using the payment data to complete the contactless payment transaction.
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公开(公告)号：US11663586B1
公开(公告)日：2023-05-30
申请号：US17317467
申请日：2021-05-11
申请人： WALGREEN CO.
发明人： Christopher John Swiderski , Sergio Garcia , Shalini Kondreddy , Gregory John Damler , Satya Chandra Mouli Kota , Marcus Osacky , George Findling
CPC分类号： G06Q20/3674 , G06Q20/20 , G06Q20/322 , G06Q20/3278 , G06Q20/385
摘要： Example methods and apparatus for combining electronic payment and rewards redemption at retail points of sale are disclosed. A point of sale (POS) system may be configured to facilitate contactless payments while securing customer payment data. When a customer with a payment application installed on a mobile device initiates a transaction, the application obtains reference data associated with a customer account from an account services server of the POS. The reference data is then passed from the application of the mobile device to a POS terminal, such as by near field communication. Upon receiving the token, the POS terminal obtains customer payment data from the account services server and rewards program data for the customer from a rewards program server. Available rewards may be automatically applied prior to processing payment using the payment data to complete the contactless payment transaction.
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