Modopayments, LLC

Ralf Erich Schulz

Michael Menefee

Aaron Wilkinson

Bruce Parker

Gregory W Harvey

Jon Buell

David S Sink

Samuel N Brown

Jason Fisher

Mark S Saum

Colm Bergin

A system for combining a payment mechanism with an offer to a consumer is described. The system includes a virtual payment account number generation engine to generate virtual payment account numbers that can be used by a consumer in a payment transaction at a merchant, the virtual payment account number generation service also operable to take a portion of the virtual payment account number and send it as a checkout code to a consumer using the consumer's mobile device, and an offer generation engine used to set rules for an offer to be sent to consumers, create a fund for the offer, and determine individual consumer's eligibility for the offer. The offer is associated with the checkout code such that the offer is processed as part of the payment during the payment transaction using the virtual payment account number.

System and method for managing merchant-consumer interactions

Growing community of inventors

San Francisco, CA, United States of America

Ralf Erich Schulz