US 12,293,383 B2
Systems and methods for minimizing fraud in the promotional offer industry
James Sampey, Indian Rocks Beach, FL (US); Bobby Tinsley, Palmetto, FL (US); Robert Zaccardo, St. Petersburg, FL (US); Kenneth Douglas, Bradenton, FL (US); Moshe Joshua, Woodmere, NY (US); and Norberto Maio, St. Petersburg, FL (US)
Assigned to SkuXchange, LLC, St. Petersburg, FL (US)
Filed by SKUXCHANGE, LLC, St. Petersburg, FL (US)
Filed on Jul. 5, 2019, as Appl. No. 16/503,994.
Prior Publication US 2021/0004857 A1, Jan. 7, 2021
Int. Cl. G06Q 30/0207 (2023.01); G06Q 30/0226 (2023.01)
CPC G06Q 30/0225 (2013.01) [G06Q 30/0215 (2013.01); G06Q 30/0233 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method distributively performed in a distributed, communicatively connected computing system including a network-connected server device, a payment processor system, a point-of-sale electronic device, and a consumer computing device, the method for preventing fraud in the promotional offer industry, comprising:
establishing a blockchain on the network-connected server device, the blockchain comprising records to prevent unauthorized uses of promotional offers;
forming a geofence to create a geofenced area where a promotional offer is likely to be redeemed;
upon passage of the consumer computing device into the geofenced area, as determined by at least one of GPS data and RFID data obtained from the consumer computing device, determining, using a processor of a network-connected server device, that a consumer operating a consumer computing device in communication with the network-connected server device is eligible to receive a promotional offer;
transmitting from the server device to the consumer computing device over an electronic communications network information about the promotional offer and displaying the information about the promotional offer on a display of the consumer computing device;
receiving an action at the consumer computing device indicating interest in the promotional offer and transmitting an indication of interest in the promotional offer from the consumer computing device over the communications network;
receiving at the server device from the consumer computing device over the communications network the indication of interest in the promotional offer;
upon receipt of the indication of interest in the promotional offer, retrieving a one-time-use unique bank card number from a non-transitory memory storage device of the server device, and associating the one-time-use unique bank card number with the promotional offer;
upon association of the bank card number with the promotional offer writing the association of the bank card number with the promotional offer as a transaction on the blockchain;
transmitting the bank card number from the server device to the consumer computing device as an accepted promotional offer, whereby the consumer is enabled to use the bank card number at a point of sale to redeem the accepted promotional offer;
using a point-of-sale electronic device at the point of sale to attempt a credit authorization of the bank card number through a payment processor system;
receiving at the server device, over the communications network but from the payment processor system, an indication that the bank card number was used at the point of sale to redeem the accepted promotional offer; and
allocating payment for redemption of the promotional offer.