System and method for managing transactions with a portable computing device

Abstract

A method and system include verifying credentials for gaming access to a transactional controller with the portable computing device. The transactional controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The transactional controller may also receive product scan data and compare the product scan data against one of offer data and coupon data in a database. After these comparisons, any matches of product scan data, to offer data or coupon data may be sent to the PCD and the POS controller. Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the POS controller. During or after the purchase transaction, a message may be generated by the transaction, controller which lists one or more preferred payment options that may be selected using the PCD to complete a purchase.

1 - 40 . (canceled) 
     
     
         41 . A method for managing purchase transactions of multiple client profiles associated with a portable computing device (“PCD”), the method comprising:
 receiving, by the PCD, client credentials associated with one of one or more client profiles associated with the PCD; 
 receiving, by the PCD, at least one of a merchant identifier and a point of sale terminal identifier; 
 based on the at least one of a merchant identifier and a point of sale terminal identifier, the PCD presenting a user with a discount option to apply one or more coupons associated with a purchase transaction, wherein the purchase transaction comprises one or more products to be purchased by the user; 
 receiving, by the PCD, a selection associated with the discount option; 
 based on the client profile, the PCD presenting the user with a predetermined arrangement of payment options; 
 receiving, by the PCD, a selection associated with the payment options; and 
 based on the selection associated with the payment options, the PCD triggering a settlement of the purchase transaction. 
 
     
     
         42 . The method of  claim 41 , further comprising:
 the PCD presenting the user with product scan data associated with the one or more products to be purchased by the user.   
     
     
         43 . The method of  claim 41 , further comprising:
 the PCD presenting the user with a total purchase amount associated with the purchase transaction.   
     
     
         44 . The method of  claim 41 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by the client credentials. 
     
     
         45 . The method of  claim 41 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by the merchant identifier. 
     
     
         46 . The method of  claim 45 , wherein the ordered listing of payment options includes a payment option uniquely associated with the merchant identifier. 
     
     
         47 . The method of  claim 41 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by benefits associated with the payment options. 
     
     
         48 . The method of  claim 41 , further comprising:
 the PCD presenting the user with a receipt of the settlement.   
     
     
         49 . A computer system for managing purchase transactions of multiple client profiles associated with a portable computing device (“PCD”), the system comprising:
 the PCD programmed to:
 receive client credentials associated with one of one or more client profiles associated with the PCD; 
 receive at least one of a merchant identifier and a point of sale terminal identifier; 
 based on the at least one of a merchant identifier and a point of sale terminal identifier, present a user with a discount option to apply one or more coupons associated with a purchase transaction, wherein the purchase transaction comprises one or more products to be purchased by the user; 
 receive a selection associated with the discount option; 
 based on the client profile, present the user with a predetermined arrangement of payment options; 
 receive a selection associated with the payment options; and 
 based on the selection associated with the payment options, trigger a settlement of the purchase transaction. 
 
 
     
     
         50 . The computer system of  claim 49 , wherein the PCD is further programmed to:
 present the user with product scan data associated with the one or more products to be purchased by the user.   
     
     
         51 . The computer system of  claim 49 , wherein the PCD is further programmed to:
 present the user with a total purchase amount associated with the purchase transaction.   
     
     
         52 . The computer system of  claim 49 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by the client credentials. 
     
     
         53 . The computer system of  claim 49 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by the merchant identifier. 
     
     
         54 . The computer system of  claim 53 , wherein the ordered listing of payment options includes a payment option uniquely associated with the merchant identifier. 
     
     
         55 . The computer system of  claim 49 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by benefits associated with the payment options. 
     
     
         56 . The computer system of  claim 49 , wherein the PCD is further configured to:
 present the user with a receipt of the settlement.   
     
     
         57 . A portable computing device (“PCD”) for managing purchase transactions of multiple client profiles associated with the PCD, the PCD comprising:
 means for receiving client credentials associated with one of one or more client profiles associated with the PCD; 
 means for receiving at least one of a merchant identifier and a point of sale terminal identifier; 
 based on the at least one of a merchant identifier and a point of sale terminal identifier, means for presenting a user with a discount option to apply one or more coupons associated with a purchase transaction, wherein the purchase transaction comprises one or more products to be purchased by the user; 
 means for receiving a selection associated with the discount option; 
 based on the client profile, means for presenting the user with a predetermined arrangement of payment options; 
 means for receiving a selection associated with the payment options; and 
 based on the selection associated with the payment options, means for triggering a settlement of the purchase transaction. 
 
     
     
         58 . The portable computing device of  claim 57 , further comprising:
 means for presenting the user with product scan data associated with the one or more products to be purchased by the user.   
     
     
         59 . The portable computing device of  claim 57 , further comprising:
 means for presenting the user with a total purchase amount associated with the purchase transaction.   
     
     
         60 . The portable computing device of  claim 57 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by the client credentials. 
     
     
         61 . The portable computing device of  claim 57 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by the merchant identifier. 
     
     
         62 . The portable computing device of  claim 61 , wherein the ordered listing of payment options includes a payment option uniquely associated with the merchant identifier. 
     
     
         63 . The portable computing device of  claim 57 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by benefits associated with the payment options. 
     
     
         64 . A computer program product comprising a non-transitory computer usable medium having a computer readable program code embodied therein, said computer readable program code adapted to be executed to implement a method for managing purchase transactions of multiple client profiles associated with a portable computing device (“PCD”), said method comprising:
 receiving client credentials associated with one of one or more client profiles associated with the PCD; 
 receiving at least one of a merchant identifier and a point of sale terminal identifier; 
 based on the at least one of a merchant identifier and a point of sale terminal identifier, presenting a user with a discount option to apply one or more coupons associated with a purchase transaction, wherein the purchase transaction comprises one or more products to be purchased by the user; 
 receiving a selection associated with the discount option; 
 based on the client profile, presenting the user with a predetermined arrangement of payment options; 
 receiving a selection associated with the payment options; and 
 based on the selection associated with the payment options, triggering a settlement of the purchase transaction. 
 
     
     
         65 . The computer program product of  claim 64 , further comprising:
 presenting the user with product scan data associated with the one or more products to be purchased by the user.   
     
     
         66 . The computer program product of  claim 64 , further comprising:
 presenting the user with a total purchase amount associated with the purchase transaction.   
     
     
         67 . The computer program product of  claim 64 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by the client credentials. 
     
     
         68 . The computer program product of  claim 64 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by the merchant identifier. 
     
     
         69 . The computer program product of  claim 68 , wherein the ordered listing of payment options includes a payment option uniquely associated with the merchant identifier. 
     
     
         70 . The computer program product of  claim 64 , wherein the predetermined arrangement of payment options comprises an ordered listing of payment options dictated by benefits associated with the payment options.