Note: Descriptions are shown in the official language in which they were submitted.
100 --------------------------------------------------------------------------
-
Store 105
Payment System
Device 110 160
4 ___________________________________________________ 0) User
account
162
Display 120
Mobile payment card
122 Analytics engine
170
0
Account information
111 ____________________________________________________
124 Database
172
CO
0
Operating system
125
POS
180
Wireless
Processor Application
transceiver Micro location
Device
130 140
150 190
411 __________________________________________________ I 011' Wireless
transceiver.
192
FIG. 1
. .
210 -, .r.__ AT&T .S. 135 PM 4 100% Cr) 210 -\,...
...... AT&T "P 1:34 PM 4 100% rEJI
...
,
f 9.' SHONWE:Lr t E5 SHOPAATELL' (lb
,
Sign out Sign out
_ =
Sii0P*WELI:
, SHOP*WELE:
(õ
to
Show this virtual card to a store
01
w
associate at the checkout register
.4
--4. ' --;.*,..: -7 .,r= b USe tte virtual ilrr..1 your
1\.) Ui
......õ
N.)
230----- payment method.
0
0-11-
1-, N.)
1
8244 2501 6 A I:14K e.:4J 1 b
0,
2, Jot*
Doe
ACO PHOTO ley AccountC) ADD MOTO My &count
It'N.126
it 2013 Comity Fla* 10 2113 Cornantty
Bank,
Ccrnenity Bank Issues Tow ShopWA coat account. Comently Bank ISSUES
)11::..lf ShopWelPeredit =mat
,
-- -==, .8
000
$ \ n 1 ci 000 _1 is., _
L. _ (Q'
¨.... $w9 iirACAUCIt Skinin Mom Nome Shoo
Acoaurtt Stro Iftre
FIG. 2A FIG. 2B
1
-
. .
Store 105
CBeacon
190
111
' \ %............)... emm,P ======= =mm. .....
-. ,4
_...
a B
/i
0
IE E 0
m o Micro 1.)
Device \ i_ -,
en to
location 1-,
110 ¨ A Ice 7
, JI r., = F . "el
w = device 01
w
ot 11: 191 .4
(.7, ri, GO 01
tz co ....õ
0
1-,
01
1
1-,
1.)
1
1-,
01
Cm)
location
device
192
FIG. 3
..1,
=
. .
.
- . . .. . . .
CA 02915375 2015-12-15
4/8
Retail Brand A
405A Payment System
160
Store User account
105A 162
A A
Retail Brand B
405B
4 __________________________________
Store
105B
Retail Brand C
405C
Store
105C
FIG. 4
CA 02915375 2015-12-15
5/8
500
Configurable Front End Layer Configurable Front End Layer
510A 510B
Downloadable Downloadable
mobile payment mobile payment
card card
122A Retail Brand 12213 Retail Brand
Card Card
GUI Specifications GUI Specifications
515A
520 520B
515B
= a
Location Service
1.99
Back End Layer
510
Payment System Analytics engine
160 170
User account Database
162 172
Loyalty
Rewards
188
FIG. 5
CA 02 915375 2015-12-15
=
6/8
600
. = .
ACCESSING AN APPLICATION FORM FOR ENTERING USER INFORMATION NEEDED FOR A
USER TO APPLY FOR CREDIT FOR ONE OF SAID PLURALITY OF RETAIL-BRANDED CREDIT
CARDS
610
RECEIVING APPROVAL OF CREDIT FROM SAID ONE OF SAID PLURALITY OF RETAIL-BRANDED
CREDIT CARDS, SAID APPROVAL INCLUDING AN INVITATION TO DOWNLOAD A RETAIL
CREDIT CARD APPLICATION
620
=
DOWNLOADING SAID RETAIL CREDIT CARD APPLICATION ON A MOBILE DEVICE
ASSOCIATED WITH SAID USER =
630
USING SAID RETAIL CREDIT CARD APPLICATION TO MAKE A PURCHASE AT A RETAIL
OUTLET
ASSOCIATED WITH SAID ONE OF SAID PLURALITY OF RETAIL-BRANDED CREDIT CARDS
640
RECEIVING USER SPECIFIC LOYALTY REWARDS PROVIDED TO SAID USER ON SAID MOBILE
DEVICE
645
=
ACTIVATING A CREDIT CARD ACCOUNT TIED TO SAID USER USING SAID RETAIL CARD
APPLICATION ON SAID MOBILE DEVICE ASSOCIATED WITH SAID USER
650
=
MANAGING AN ACCOUNT
660 = =
=
FIG. 6
CA 02 915375 2015-12-15
7/8
700 !
DOWNLOADING A RETAIL-BRANDED CREDIT CARD APPLICATION ON A MOBILE DEVICE
ASSOCIATED WITH A USER =
710 1
DISPLAYING A MOBILE PAYMENT CARD ON A DISPLAY SCREEN OF SAID MOBILE DEVICES,
WHEREIN SAID MOBILE PAYMENT CARD IS LINKED TO A PAYMENT SYSTEM FOR =
PROCESSING TRANSACTIONS ASSOCIATED WITH A PLURALITY OF DIFFERENT RETAIL-BRAND
CREDIT CARDS
720
V
USING SAID MOBILE PAYMENT CARD ON SAID MOBILE DEVICE TO MAKE A PURCHASE
AT A RETAIL OUTLET ASSOCIATED WITH SAID ONE OF SAID PLURALITY OF DIFFERENT
RETAIL-BRAND CREDIT CARDS
730
V
RECEIVING LOYALTY PROMOTION IN RESPONSE TO MAKING SAID PURCHASE
735
V
DISPLAYING OPTICALLY MACHINE-READABLE INFORMATION FOR ACCESS TO AN ACCOUNT
ASSOCIATED WITH SAID USER
740
V
ACCESSING AN APPLICATION FORM FOR ENTERING USER INFORMATION NEEDED FOR A
USER TO APPLY FOR CREDIT FOR ONE OF SAID PLURALITY OF DIFFERENT RETAIL-BRAND
CREDIT CARDS
25.4
V
DISPLAYING APPROVAL OF CREDIT FROM SAID ONE OF SAID PLURALITY OF DIFFERENT
RETAIL-BRAND CREDIT CARDS, SAID APPROVAL INCLUDING AN INVITATION TO DOWNLOAD
SAID RETAIL-BRANDED CREDIT CARD
760
ACCOUNT MANAGEMENT
770
= =
=
FIG. 7
CA 02915375 2015-12-15
818
=
802OPERATING SYSTEM =
822
APPLICATIONS
824
PERIPHERAL MODULES
COMPUTER 826
READABLE
STORAGE MEDIA DATA
802 828
806C
806B COMPUTER COMPUTER
DATA
USABLE USABLE
STORAGE
PROCESSOR - NON-VOLATILE VOLATILE
UNIT
806A ___ MEMORY (ROM) MEMORY (RAM)
812
810 808
BUS 804 =
ALPHA-
DISPLAY CURSOR =
NUMERIC I/O DEVICE
DEVICE CONTROL
INPUT 820
818 816
814
FIG. 8