Enhancing revenue by driving credit account purchases through a single native mobile application

Patent metadata

Field	Value
Publication number	US-10430820-B2
Application number	US-201514841563-A
Country	US
Kind code	B2
Filing date	Aug 31, 2015
Priority date	Mar 11, 2015
Publication date	Oct 1, 2019
Grant date	Oct 1, 2019

Abstract

In a computer-implemented method for enhancing revenue by driving credit account purchases through a single native mobile application browsing of retail items is enabled via the single native mobile application executing on a mobile device, wherein the browsing is not required to be web-based browsing, and wherein the single native mobile application is provided by a party. Multi-tender payment for the retail items are provided. Mobile marketing is provided to a user of the mobile device by the single native mobile application, wherein the mobile marketing indicates that additional loyalty rewards will be earned if the retail items are purchased by a credit account issued by the party.

First claim

What is claimed is:

1. A computer-implemented method for enhancing revenue by driving credit account purchases through a single native mobile application, said computer-implemented method comprising:
browsing, on a mobile device, retail items via said single native mobile application executing on the mobile device, wherein said browsing is not required to be web-based browsing, and wherein said single native mobile application is provided by a party;
determining, at a point of sale (POS), a multi-tender payment for said retail items, said multi-tender payment comprising two or more distinct payment types,
a first of said distinct payment types comprising a cash payment with reference to a mobile marketing loyalty reward program, and
a second of said distinct payment types comprising an amount to be paid via credit;

presenting, via a display on the mobile device, an additional mobile marketing loyalty reward earning opportunity for a user of said mobile device by said single native mobile application,
said additional mobile marketing loyalty reward earning opportunity providing an additional amount of mobile marketing loyalty rewards for said mobile marketing loyalty reward program that can be obtained by said user when a credit account issued by the party is used to make at least part of the multi-tender payment; and

providing said additional amount of mobile marketing loyalty rewards for said mobile marketing loyalty reward program to said user after said retail items are purchased by said user, said additional amount of mobile marketing loyalty rewards based on the amount of the multi-tender payment actually made with the credit account issued by the party.

2. The computer-implemented method of claim 1 , wherein said credit account is a virtual mobile credit account.

3. The computer-implemented method of claim 1 , wherein said party acquires income from a retailer of said retail items for processing transactions of said credit account.

4. The computer-implemented method of claim 1 , further comprising:
tracking the additional amount of mobile marketing loyalty rewards for said mobile marketing loyalty reward program by said single native mobile application.

5. The computer-implemented method of claim 1 , further comprising:
providing digital receipts by said single native mobile application.

6. The computer-implemented method of claim 1 , wherein a third payment type of said multi-tender payment comprising two or more distinct payment types is selected from the group consisting of:
a gift card,
a loyalty reward redemption,
a co-branded credit account, and
a single branded credit account.

7. A non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a mobile device to perform a method for enhancing revenue by driving credit account purchases through a single native mobile application, the method comprising
browsing, on the mobile device, retail items of a retailer via said single native mobile application executing on said mobile device, wherein said browsing is not required to be web-based browsing, and wherein said single native mobile application is provided by a party different than said retailer;
determining, at a point of sale (POS) of said retailer, a multi-tender payment for said retail items, said multi-tender payment comprising two or more distinct payment types,
a first of said distinct payment types comprising a cash payment with reference to a mobile marketing loyalty reward program, and
a second of said distinct payment types comprising an amount to be paid via credit;

presenting, via a display on the mobile device, an additional multi-tender loyalty reward earning opportunity for a user of said mobile device by said single native mobile application, said additional multi-tender loyalty reward earning opportunity provides an additional amount of mobile marketing loyalty rewards for said mobile marketing loyalty reward program that can be obtained by said user when a credit account issued by the party is used to make at least part of the multi-tender payment; and
providing said additional amount of mobile marketing loyalty rewards for said mobile marketing loyalty reward program to said user after said retail items are purchased by said user, said additional amount of mobile marketing loyalty rewards based on the amount of the multi-tender payment actually made with the credit account issued by the party.

8. The non-transitory computer-readable storage medium of claim 7 , wherein said credit account is a virtual mobile credit account.

9. The non-transitory computer-readable storage medium of claim 7 , wherein said party acquires income from the retailer of said retail items for processing transactions of said credit account.

10. The non-transitory computer-readable storage medium of claim 7 , further comprising:
tracking the additional amount of mobile marketing loyalty rewards for said mobile marketing loyalty reward program by said single native mobile application.

11. The non-transitory computer-readable storage medium of claim 7 , further comprising:
providing digital receipts by said single native mobile application.

12. The non-transitory computer-readable storage medium of claim 7 , wherein a third payment type of said multi-tender payment comprising two or more distinct payment types is selected from the group consisting of:
a gift card,
a loyalty reward redemption,
a co-branded credit account, and
a single branded credit account.

13. A mobile device comprising:
one or more processors, a memory, and a display, said one or more processors operating within the bounds of a single native mobile application to:
browse, on the mobile device, retail items via said single native mobile application operating on said mobile device, wherein said browsing is not required to be a web-based browsing;
determine, at a point of sale (POS), a multi-tender payment for said retail items, said multi-tender payment comprising two or more distinct payment types,
a first of said distinct payment types comprising a cash payment with reference to a mobile marketing loyalty reward program, and
a second of said distinct payment types comprising an amount to be paid via credit;

present, via a display on the mobile device, an additional mobile marketing loyalty reward earning opportunity for a user of said mobile device, said additional mobile marketing loyalty reward earning opportunity includes an additional amount of mobile marketing loyalty rewards for said mobile marketing loyalty reward program that can be obtained by said user when a credit account issued by the party, related to the mobile marketing loyalty reward program, is used to make at least part of the multi-tender payment; and

provide said additional amount of mobile marketing loyalty rewards for said mobile marketing loyalty reward program to said user after said retail items are purchased by said user, said additional amount of mobile marketing loyalty rewards determined by the amount of the multi-tender payment actually made with the credit account issued by the party.

14. The system of claim 13 , wherein said credit account is a virtual mobile credit account.

15. The mobile device of claim 13 , wherein the party providing said single native mobile application acquires income from a retailer of said retail items for processing transactions of said credit account.

16. The mobile device of claim 13 , wherein said single native mobile application is further configured to:
track said additional amount of mobile marketing loyalty rewards for

Assignees

• Comenity Llc

Inventors

• Walz James
• Nack David
• Piatt Randall
• Koltnow Adam

Classifications

• H04W12/08

  Access security · CPC title

• G06Q30/0229

  Multi-merchant loyalty card systems · CPC title

• G06Q30/0238

  at point-of-sale [POS] · CPC title

• G06Q20/387

  Payment using discounts or coupons (relating to marketing G06Q30/02) · CPC title

• G06Q30/0267

  Wireless devices · CPC title