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US Patent 9846872 Secure exchange of indicia of value and associated information

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Patent abstractTimelineTable: Further ResourcesReferences
Is a
Patent
Patent
1

Patent attributes

Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
1
Patent Number
98468721
Patent Inventor Names
Winter P. Ng1
Jason J. Hogg1
Date of Patent
December 19, 2017
1
Patent Application Number
130259651
Date Filed
February 11, 2011
1
Patent Citations Received
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US Patent 12062025 Payment services via application programming interface
2
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US Patent 11695560 Secure communications via third-party systems through frames
3
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US Patent 11756011 Third-party payment interfaces
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US Patent 11868977 Payment services via application programming interface
4
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US Patent 11995619 Account open interfaces
5
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US Patent 12020255 Identity verification services and user information provision via application programming interface
6
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US Patent 11676126 Account open interfaces
7
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US Patent 11700122 Secure communications via third-party systems through frames
8
...
Patent Primary Examiner
‌
Olabode Akintola
1
Patent 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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