CPC G06Q 20/363 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/202 (2013.01); G06Q 20/327 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/36 (2013.01); G06Q 20/387 (2013.01); G06Q 30/0226 (2013.01); G06Q 30/0253 (2013.01); H04W 40/244 (2013.01)] | 20 Claims |
1. A computer-implemented method to automatically communicate information related to a user computing device prior to initiation of a transaction, comprising:
communicating, by a merchant system terminal including one or more processors, a beacon signal comprising at least an identification of the merchant system terminal to the user computing device;
receiving, by the merchant system terminal prior to the initiation of a transaction between the user computing device and the merchant system terminal, a notification from a digital wallet server, the notification comprising a set of user data to be applied to a subsequent transaction, the notification based on the identification of the merchant system terminal communicated in the beacon signal, the set of user data comprising a user identification associated with the user computing device, loyalty account data, and one or more offers, wherein the notification is transmitted by the digital wallet server in response to data provided to the digital wallet server by the user computing device;
receiving, by the merchant system terminal, a subsequent notification from the user computing device to conduct a pending transaction;
receiving, by the merchant system terminal, the user identification from a communication with the user computing device; and
applying, by the merchant system terminal, the set of user data to the pending transaction, wherein the set of user data is identified based on associating the user identification provided by the digital wallet computing system with the user identification provided by the user computing device.
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