Qualcomm Incorporated

Ben D Ackerman

Garrett Langley

Kyle Leighton Cochran

Eric Kraar

Robert L Dessert

Steven M Smith

Lindsey K Dorman

Aidoo Osei

Bradley A Slutsky

Joe T Wei

Frank T Young

Gwenael B Delaine

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.

System and method for determining appropriate redemption presentations for a virtual token associated with a stored value account

A system and method for remitting payment from a consumer's credit or stored value account by digital presentations of account information are described. A merchant may create one or more merchant account at a point-of-sale service site ('POS service site') and associate one or more merchant portable computing devices ('MPCDs') with one or more of the merchant accounts. Each MPCD may be configured to receive customer data from a customer via one of a visual capture and a wireless communication, such as a near field communication (&#x201c;NFC&#x201d;) or a machine-readable optical code. The customer data may be received from an NFC-capable physical token such as an EMV card, or a virtual token presented by a customer portable computing device (&#x201c;CPCD&#x201d;) using a NFC or a machine-readable optical code. Each MPCD may contain a point-of-sale payment application supplied by the POS service site that may capture data representative of a consumer account from the received customer data.

System and method for point of service payment acceptance via wireless communication

Growing community of inventors

Atlanta, GA, United States of America

Ben D Ackerman