Entries |
Document | Title | Date |
20090287562 | ANONYMOUS MERCHANT-CUSTOMER LOYALTY REWARDS PROGRAM - A system of and method for rewarding an anonymous merchant-customer for performing multiple debit transactions on a defined set of merchant debit-machines comprises receiving data associated with a discrete one of the multiple debit transactions, generating and updating data associated with the anonymous customer without having the anonymous customer provide personally identifiable information, determining whether to reward the anonymous customer for performing one or more debit transactions, and if so, rewarding the anonymous customer. The method may be implemented on or by one or more merchant debit machines (e.g., automated teller machines (ATMs) and point-of-sale (POS) terminals), remote processors, financial institutions, general-purpose computers, or special-purpose computers. | 11-19-2009 |
20090299844 | PREPAID RELOADABLE ELECTRONIC TRANSACTION CARDS WITH LOYALTY PROGRAM - A reloadable prepaid electronic transaction card is provided that is tied either electronically or physically with a loyalty program, a bonus point program or reward program. The card includes machine readable indicia thereon that allows the card to be linked with a cash balance that resides on the card itself or in an account that is tied to the card. Another feature of the transaction card is that it is tied either electronically or physically to a loyalty program. In one embodiment the card is a reloadable prepaid electronic transaction card that both allows the customer to complete a purchase transaction without the need for cash while also including a customer loyalty code. In another embodiment, the card is tied to a points or bonus rewards system. In a further embodiment, the reloadable prepaid electronic transaction card is used to provide rebates for purchases, such as fuel purchases. | 12-03-2009 |
20090313107 | Universal Discount Chip (UDC) - A Universal Discount Chip (UDC) is a coding devise placed upon a credit card or a debit card offered by an issuing bank and enabling the card holder to obtain discounts from any and all participating manufacturers, retailers or (hereinafter referred to as “Merchants”) by presenting and scanning the card with the UDC at the point of sale. The issuing bank would collect the necessary data including the name and address of the Merchant, the terms and conditions of the discount. After collecting the data, the issuing bank would apply the discount and reduce the overall amount of the sales transaction. The UDC could be placed on all types of debit or credit cards, including retail store credit cards. The issuing bank would be paid a commission by the Merchant for processing the discount transaction. | 12-17-2009 |
20090313108 | Transaction Card System and Approach - A deferred-type payment approach facilitates transaction card management and processing. According to an example embodiment, a user's transaction card purchases are authorized against a purchase limit associated with a consideration-bearing (e.g., interest-bearing) account. The purchases are tracked and, at the end of a billing cycle, provided to the user via a statement or other informative approach. During a payment time period after the end of the billing cycle, the user is afforded an opportunity to review tracked purchases and provide funds to cover the purchases. If the user does not provide funds for the purchases during the payment time period, funds are automatically transferred from the consideration-bearing account to cover the purchases at the end of the payment time period. In this regard, purchases made with the transaction card against the consideration-bearing account are not assessed against the consideration-bearing account until after the billing cycle has ended. | 12-17-2009 |
20100004991 | SYSTEM AND METHOD FOR REAL-TIME PRICING WITH VOLUME DISCOUNTING - A system and method are provided for facilitating real-time pricing with volume discounting. The method includes receiving a request for a real-time price quote for a transaction from a first account. The request is received at a first instance in time during a billing cycle. The method also includes determining a first production service, where the first production service is a component of the transaction, and determining a count of first production service instances representing the first production service in the received transaction. The method further includes determining a billable entity for the transaction, where the billable entity includes one or more related accounts, and the related accounts includes the first account. The method additionally includes determining a total of the first production service instances purchased by the related accounts during the billing cycle up to the first instance in time, where the total includes the count of the first production service instances in the received transaction. The method also includes determining a price applicable to the total of the first production service instances based on a pricing method, and apportioning the price to the received transaction based on the count of the first production service instance in the received transaction. The system includes a computer-readable storage medium that has stored thereon computer instructions that, when executed by a computer, cause the computer to receive a request for a real-time price quote for a transaction. The request is received at a first instance in time during a billing cycle, and the transaction includes a number of first production service instances, where each instance represents a first production service. The computer instructions also cause the computer to determine a total count of production service instances consumed during the billing cycle up to the first instance in time based on a pricing relationship, and determine a billing service appropriate for the first production service. The computer instructions further cause the computer to calculate a price for the first production service from a price table based on a first attribute for the billing service and the total count of production service instances consumed, and apportion the price to the received transaction based on the number of first production service instances in the transaction. | 01-07-2010 |
20100023390 | HYBRID ACCOUNT - A system, according to one embodiment, includes a hybrid account provided by an issuer to a user, the hybrid account having a balance, the balance being either positive, zero, or negative; and a financial instrument including a hybrid card, the hybrid card providing access to the hybrid account, in which transactions using the hybrid card provide interchange income to the issuer, the issuer charges interest to the hybrid account when the balance is negative, and the issuer pays interest to the hybrid account when the balance is positive. | 01-28-2010 |
20100057551 | POINT-OF-SALE PURCHASE SYSTEM AND METHOD WITH OPTION OF PAYMENT USING LOYALTY POINTS - One representative embodiment provides for the use of frequent flyer miles awarded to a customer by an airline as currency/alternative card type at the point-of-sale. For example, a customer dining at a restaurant can be given the option of paying with frequent flyer miles in addition to other traditional payment types. In such an implementation, the merchant swipes the frequent flyer card at the point-of-sale; the ‘conversion’ of the cost of the goods/services into frequent flyer miles is displayed for the customer; and the customer has the choice of completing the payment by frequent flyer miles or other traditional payment types. Settlement then occurs between merchant and a card processor and the card processor and the airline, respectively. | 03-04-2010 |
20100057552 | Method And System For Processing Internet Payments Using The Electronic Funds Transfer Network - A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account. Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability. | 03-04-2010 |
20100082420 | SYSTEM AND METHOD FOR BENEFIT NOTIFICATION - A system and method for generating and sending benefit notifications is disclosed. A consumer can conduct a transaction at a merchant. The consumer may receive a notification containing a reward status indicator. The reward status indicator may be text or a figure that indicates a status of a consumer's purchases toward a reward threshold. With this notification, the consumer can be aware both of how many rewards she has already earned, and how many more rewards she may need to obtain to redeem any rewards. The benefit notification message may be sent while the consumer is still near the merchant, such that that the consumer can receive the message with enough time to act on the reward information. | 04-01-2010 |
20100138289 | Point-of-Sale Method, Terminal, and Computer-Readable Medium - There is disclosed a method, a point-of-sale terminal, and a computer-readable storage medium. The point-of-sale terminal may generate transaction information for a commercial transaction, the transaction information including customer information and purchase information. The point-of-sale terminal may generate nutritional information based on the purchase information. The point-of-sale terminal may send the customer information, the purchase information, and location information identifying a location of the POS terminal to an advertising server, and may receive responsive advertising content from the advertising server. The point-of-sale terminal may print a receipt including the transaction information, the nutritional information, and the advertising content. | 06-03-2010 |
20100145785 | SYSTEM AND METHOD FOR CALCULATING MILEAGE POINTS - A mileage point calculating system receives mail acceptance data including respective acceptance information of a plurality of mail groups and acceptance information of a combined mail group generated by combining the plurality of mail groups, determines a first combined fee generated by summing postage of the plurality of mail groups according to acceptance information of the plurality of mail groups, determines a second combined fee corresponding to postage of the combined mail group according to acceptance information of the combined mail group, and calculates a margin between the first combined fee and the second combined fee as mileage points | 06-10-2010 |
20100145786 | LOYALTY PROGRAM SERVICE - A loyalty program for a transaction processing system includes a loyalty program database with loyalty program business rules that are usable to determine when a transaction qualifies for the loyalty program. A loyalty program rule implementer receives transaction data whenever a transaction occurs and uses the received transaction data and the program business rules to determine when a transaction qualifies for the loyalty program. The loyalty program rule implementer is an entity other than an issuer, an acquirer or a merchant. The loyalty program business rules require that the transaction relate to at least one of a specific merchant, a specific issuer, a specific acquirer, a specific consumer, a specific product/service, a consumer having a specific characteristic, a merchant having a specific characteristic, an issuer having a specific characteristic, an acquirer having a specific characteristic and a product/service having a specific characteristic. | 06-10-2010 |
20100169171 | METHOD AND APPARATUS FOR IMPLEMENTING SEARCH ENGINE WITH COST PER ACTION REVENUE MODEL - The inventive technology enables the search engine operator to charge the advertisers who place their links on the search engine only if the user uses the search results to visit the advertiser's web portal(s) and generates revenue for the advertiser. This concept is especially attractive to the advertisers because it eliminates the risk, which the advertisers face in conventional search engines, when they are changed by the search engine per user click irrespectively of whether the user's visit resulted in advertiser's revenue. | 07-01-2010 |
20100185505 | SYSTEM AND METHOD FOR TRANSACTING PURCHASES WITH A CASH VENDOR USING POINTS AND A VIRTUAL CREDIT CARD - System and method that utilizes a participant's points and a single use, virtual credit card account to implement a cash purchase with a cash vendor. The virtual credit card is active for a single purchase only with an available credit equal to the total of the cash purchase price and any fees. The virtual credit card may further be active for a limited period of time. | 07-22-2010 |
20100191593 | METHOD AND SYSTEM FOR IMPROVING CLIENT SERVER TRANSMISSION OVER FADING CHANNEL WITH WIRELESS LOCATION AND AUTHENTICATION TECHNOLOGY VIA ELECTROMAGNETIC RADIATION - Wireless personal area network (Zigbee, Bluetooth, UWB) and wireless identification technologies (Near Field Communication (NFC), Radio Frequency Identification (RFID)) are implemented in particular client server functions and communications. Connected with an Authentication Server, a wireless HUB authenticates user identification and provides the user with access to secure data communication with a wireless terminal such as a cellular phone or a PDA. A Location Server provides user locations via methods such as RSSI, TDOA, and GPS and sends location information to a Center Control Server and the Authentication Server. With location information, the Center Control Server initiates and optimizes secure information processes and coordinates the functions of servers and user terminals. | 07-29-2010 |
20100223120 | SYSTEMS, METHODS, AND DEVICES FOR ADMINISTERING CONSUMER REWARD PROGRAMS THROUGH THE USE OF TONES SENT TO MOBILE DEVICES - Systems, methods, and devices for administering consumer reward programs by providing reward identifier and/or reward content to mobile devices, such as cell phones, via information carrying tones to be used in additional rewards processing. One method may include receiving, by a microphone of a mobile device, a tone, where the tone includes a reward information such as a reward identifier or reward content. The method further includes extracting, by a mobile device processor, the reward identifier or reward content from the tone, and storing, by the mobile device processor, the reward identifier or reward content in a memory of the mobile device. In example embodiments of the invention, the information carrying tone may be transmitted such that the tone is substantially inaudible to the vast majority of humans. | 09-02-2010 |
20100268590 | METHOD FOR REAL-TIME CREDIT CALCULATION OF DIFFERENT LOYALTY PROGRAMS BASED ON CALL BEHAVIOR AND USE OF IP-BASED MULTIMEDIA SUBSYSTEM (IMS) SERVICES - The invention relates to a method for real time credit calculation of differing loyalty programmes based on telephone usage of a user and use of IP-based multimedia sub system (IMS) services, wherein statistical data for the user is recorded and stored in a databank by means of an OSAS (Online Statistic Advertisement Server) service. The invention is characterised by storage of loyalty profiles in the LPF, registration of the customer in the IMS, start up of a service by the customer/user, contacting the OSAS in real time via the HSS profile, recording the statistics in real time for the service such as, for example, type, time time spans and similar, triggering the OLS based on the HSS profile, startup of the interfaces by the OLS, use of operator systems through the OLS and provision of the service after contacting the OLS. | 10-21-2010 |
20100274655 | POINT OF SALE DEVICE FOR ONLINE REWARD POINT EXCHANGE METHOD AND SYSTEM - An online reward exchange system and method of operation, which includes an exchange computer that interoperates via a computer network with user computers, reward point issuer computers, and merchant computers. The merchants' products may be purchased by a user by requesting via a user computer, merchant's point of sale device, or mobile device an issuer(s) to redeem reward points in exchange for payment to the merchant for the product. The exchange computer is the gateway to the system and manages various transactions such as providing online product catalogs to users that list the merchants products, as well as displaying to the user the reward points he has available in his reward programs with the issuers. Once a user selects a desired product the exchange computer can mediate or manage the purchase transaction in which reward points are redeemed by the selected issuer and consideration is conveyed to the merchant in exchange for the merchant providing the product to the user. | 10-28-2010 |
20100274656 | System for managing electric energy grid-vehicle exchange devices - A system for managing electric energy exchange devices is disclosed. The system comprises a processor and a memory. The processor is configured to receive a set of predefined parameters for electric energy exchange a vehicle using an electric energy exchange device for a time increment. The processor is further configured to receive a set of transaction specific parameters. The processor is configured to determine a price for electric energy exchange based at least in part on the set of predefined parameters and the set of transaction specific parameters. The memory is coupled to the processor and configured to provide the processor with instructions. | 10-28-2010 |
20100287045 | Payment Systems and Methods for Earning Incentives Using at Least Two Financial Instruments - Systems and methods for having a first party pay a second party by incurring a first debt on a loan instrument which earns the first party an incentive. The first debt is then paid off by the first party from a second financial instrument before costs (particularly interest charges) are accrued on the first loan instrument. The systems and methods may be used to provide credit card incentives to construction contractors by having them pay a subcontractor using a credit card providing incentives and then paying off the credit card debt from a line of credit before interest charges accrue on the credit card debt. | 11-11-2010 |
20100324986 | PAY YOURSELF FIRST WITH REVENUE GENERATION - The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods. | 12-23-2010 |
20110022455 | System and Method for E-Mail Based Rewards - A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers or credit to prepaid cards, in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentive discounts and/or credits to enrolled customers, along with notifying customers of other available incentive offers. | 01-27-2011 |
20110060638 | METHOD FOR CROSS-PROMOTING COMMUNICATIONS SERVICES - A method to promote use of one communication service by associating it with another service and offering incentives to use the first service in return for use of the second service. Other embodiments are also described and claimed. | 03-10-2011 |
20110071895 | SYSTEMS AND METHODS FOR DIGITIZED LOYALTY PROGRAMS AND TARGETED MOBILE ADVERTISEMENTS - In some embodiments, a non-transitory processor-readable medium stores code representing instructions to cause a processor to retrieve, from a vendor database, an indicator of each vendor from a set of vendors within a geographic area having registered loyalty programs. The instructions cause the processor to send the indicator of each vendor from the set of vendors to a communication device such that the communication device can display a representation of a geographic location of each vendor from the set of vendors on a map of the geographic area. The instructions further cause the processor to receive a signal from the communication device indicating that a user has selected to subscribe to a loyalty program of a vendor from the set of vendors and to provide, in response to the signal, feedback to the vendor that the user has subscribed to the loyalty program of the vendor. | 03-24-2011 |
20110082737 | COMPUTER-IMPLEMENTED METHODS, COMPUTER PROGRAM PRODUCTS, AND SYSTEMS FOR MANAGEMENT AND CONTROL OF A LOYALTY REWARDS NETWORK - Machines, computer program products, and computer-implemented methods to manage and control a loyalty rewards network and to provide customer loyalty rewards to a customer for purchasing goods or services. Computer program product can determine if a customer is one of the plurality of member customers enrolled in the loyalty rewards network. If the customer is not a member, the computer program product can enroll the customer in the loyalty rewards network. As a purchase are made by member customers thereafter, the member customer swipes or otherwise enters a loyalty reward card number and the computer accumulates and stores loyalty rewards network data representative of the member customer's purchasing behavior. Upon accumulating sufficient loyalty rewards pursuant to collection parameters, the member customers can select one or more of the available loyalty reward actions and the computer program product can implement the selected one or more loyalty rewards action. | 04-07-2011 |
20110093324 | Systems and Methods to Provide Intelligent Analytics to Cardholders and Merchants - In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user. | 04-21-2011 |
20110145052 | CONSUMPTION MANAGEMENT SYSTEMS AND METHODS INTEGRATED WITH SOCIAL NETWORKS - Consumption management systems and methods integrated with social networks are provided. The system includes a member management system and a social network system. The member management system receives consumption data of a client, and generates a consumption message according to the consumption data. The member management system transmits the consumption message to the social network system via a network, such that the information regarding the consumption message is published for the client in the social network system. | 06-16-2011 |
20110153402 | Methods and Apparatus for Credit Card Reward and Cost Management - Systems and techniques for selecting accounts to be used for purchases. A consumer's financial information, including status, terms, and reward programs of various credit card accounts associated with the consumer is stored and examined to determine the relative value of the use of each card account for purchases in each of various categories, with the determination including consideration of the rewards available for a purchase with the card account compared to the costs for use of the card account. Recommendations are provided to a consumer based on the determination of the relative value of the use of each card account, including one or more of specification of a selection of preferred card accounts for use during a specified period, specification of preferred card accounts for each of one or more purchase categories, or specification of a recommended card account to be used for a purchase based on purchase details. | 06-23-2011 |
20110161155 | SYSTEM AND METHOD FOR FACILITATING DEBT REDUCTION - A system, method and computer-readable medium for providing a program featuring the re-purposing of consumer assets in a manner which allows the consumer to satisfy existing debt obligations in place with one or more creditors. The system, method and computer-readable medium re-purposes a different set of consumer assets—monthly debt payment savings, consumer necessity buying power, and previously untapped non-dollar assets- to repay creditor debts with a highly affordable and positive consumer solution that frees up cash flow for household necessity shopping and other needs. The system, method and computer-readable medium facilitate the creation of closed loop local market networks that expand to a national network of local market networks that enable consumers to affordably repay delinquent unsecured debts to creditors, including 90+ day delinquent debt. | 06-30-2011 |
20110161156 | Method for Providing a Loyalty Program to a Radiofrequency Tag Bearer - A method for providing a loyalty program to a radiofrequency tag bearer includes during a purchase by the bearer, identifying said tag bearer by the public identifier from the radiofrequency tag thereof; correlating between the public identifier and database entries related to a buying history of the tag bearer; and determining a possible benefit to be given to the tag bearer on the basis of the entries corresponding to the public identifier. A network for implementing such a method and to a sales outlet integrating such a network are described. | 06-30-2011 |
20110173060 | Guest Check Presenter Having a Wireless Communication Device - A guest check presenter for a food establishment is provided. The guest check presenter includes a holder for holding a guest check information and a wireless communication device attached to the holder and adapted to communicate with a wireless mobile device of the guest. The wireless communication device contains a guest check identifier that identifies the guest check. The guest check identifier is adapted to be retrieved by the wireless mobile device of the guest for use in providing various useful mobile services that are associated with the food establishment or the food consumed by the guest. Thus, the check presenter is used as a platform for providing such mobile services as mobile payment of the guest check and loyalty coupons. | 07-14-2011 |
20110178862 | LOCATION BASED CONSUMER INTERFACE FOR RETAIL ENVIRONMENT - A location based consumer interface for retail environments includes a plurality of data packet generators distributed around a retail store. The data packet generators include a wireless communication device and are configured to wirelessly transmit codes to mobile computing devices in the retail store. The codes are received by the mobile computing devices, and can be used to present promotional or other content to the consumer, such as content related to the consumer's current location within the store. The codes can also be used for other purposes, such as for use as part of a store rewards program. In some embodiments a vendor is charged a fee for presentation of the content to the consumer. | 07-21-2011 |
20110191158 | PHYSICAL ACTIVITY TRACKING AND REWARDS ALLOCATION SYSTEM - A physical activity tracking system includes one or more data collection portals configured to acquire data from a data collection unit, wherein the data is indicative of the physical activity level of an individual. The system also includes a processor configured to analyze the data and allocate a currency to an account associated with the individual if the data indicates the physical activity level exceeds a predetermined threshold. | 08-04-2011 |
20110225032 | APPARATUS, SYSTEM AND METHOD FOR CONTROLLING THE FLOW OF CUSTOMERS - An apparatus, system and method are presented for controlling the flow of customers using self-service terminals. It is possible for self-service terminals to receive and process customer orders faster than the orders can be prepared for delivery to the customer thus causes long wait times for the customer if the condition is allowed to exist for an extended period of time. Controlling the flow of customers through the order entry process prevents the situation. | 09-15-2011 |
20110238480 | System and Method for Inverted Promotions - A method of extending promotional discounts and special prices on items for sale to identified consumers. After the identification of a consumer by a unique identifier; a selected item is promoted with a discount or special price to the identified consumer. The discount or special price is granted upon a purchase of the item by the identified consumer prior to the withdrawal or termination of the promotion to the identified consumer. The withdrawal or termination of the promotion is held in abeyance upon an acknowledgment of the promotion by the identified consumer. In other words, the identified consumer must take specific action to prevent a promotional discount from being withdrawn. This inverted promotion provides for greater incentives for the consumer to provide information about his or her purchasing habits | 09-29-2011 |
20110264503 | CREATING REVENUE SOURCES USING ALLOCATION SOURCE - Example methods, apparatuses, or articles of manufacture are disclosed herein that may be utilized, in whole or in part, to facilitate or support one or more operations or techniques for creating new and/or reoccurring revenue sources using an allocation source. | 10-27-2011 |
20110270662 | SYSTEMS AND METHODS FOR MOBILE ORDER APPLICATIONS IN RETAIL ENVIRONMENTS - Systems and methods for mobile order application in retail environments allow consumers to initiate orders for items (such as food or beverage) or other services on a venue's premises directly with a merchant via a smart phone. A venue's staff may immediately view and fulfill the order, which is made available for pickup or delivery based on a consumer's preference. A merchant may capitalize on demand during peak hours, optimize their workforce, and have access to consumer buying behavior and data to refine their product and service offerings. Consumers and vendors are also able to utilize on-premise social networking capabilities that allow people who are at the same venue to communicate with each other while at the venue. In addition, the mobile ordering application may leverage information from third party social networking sites. Merchants and advertisers may send real time suggestive advertising messages and digital gifts to potential customers to drive traffic to their venue(s). | 11-03-2011 |
20110302019 | EXCHANGING IDENTIFIERS BETWEEN WIRELESS COMMUNICATION TO DETERMINE FURTHER INFORMATION TO BE EXCHANGED OR FURTHER SERVICES TO BE PROVIDED - A server exchanges information between one or more wireless devices. The server receives second device identifier information from a first wireless device using a wide area wireless network The second device identifier information was previously provided to the first wireless device via short range wireless communication. The server then uses the second device identifier information to determine additional information concerning an entity or object located in proximity to the second device, and then delivers information to the first wireless device or the second wireless device based at least in part upon the second device identifier and feedback ratings relevant to an entity associated with either the first wireless device or the second device identifier. | 12-08-2011 |
20110313837 | System And Method For An Advertising, Loyalty And Rewards Program - A system includes a server, a member portal in communication with the server, a merchant portal in communication with the server, wherein the server captures data relating to a member and the member's transactions, receives data entered by the member and processes the data to administer an advertising, loyalty and rewards program. | 12-22-2011 |
20120004972 | SYSTEM AND METHOD FOR INTEGRATING NEAR FIELD COMMUNICATION DEVICES WITH LEGACY CUSTOMER LOYALTY SERVICES - A tag correlation server enables customer loyalty services to be provided to consumers using near field communication (NFC) devices. The tag correlation server receives a tag ID of an NFC tag fixed to a mobile device of a consumer from a point-of-sale device of a business as part of a transaction between the consumer and the business. The tag correlation server identifies a loyalty card ID of the consumer for the business based on the tag ID and provides the loyalty card ID to a loyalty server of the business to determine loyalty information for the consumer to complete the transaction. | 01-05-2012 |
20120004973 | REWARD EXCHANGE SYSTEM WITH AUTOMATIC LOGIN AND REGISTRATION - A transaction system implemented with an exchange computer that interconnects with a user computing device, a data linking service, a plurality of transactional databases, and a plurality of information databases. The exchange computer receives, from a user computing device, customer identification data that identifies a customer, uses the customer identification data to access a customer database and retrieve from the customer database a customer record set, which includes a plurality of account information records, each of which is suitable for logging into an associated database. The exchange computer then uses each of the account information records to communicate with the database associated with the account information record and retrieve customer information. The retrieved customer information is then collated into an account web page, which is sent to the user computing device for display by the user computing device. | 01-05-2012 |
20120004974 | Computer self-support management - A computer based technique for providing a list of selectable computer solutions in a self-support environment. The technique includes sending a computer solution to the client computer in response to a request from the client computer for the computer solution from the list. The computer solution includes at least an automated solution. | 01-05-2012 |
20120004975 | SYSTEM AND METHOD FOR PLATFORM-DRIVEN SAVINGS OPPORTUNITY MATCHING - A system and method for platform-driven savings opportunity matching includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data for a psychographic inference. A savings opportunity from a database of savings opportunities is matched to the user based on the psychographic inference. The savings opportunity is displayed in association with a statement of the user's financial account. | 01-05-2012 |
20120010937 | Consolidating and Leveraging Features of a Loyalty Program - Aspects of the present disclosure relate to a computer assisted method for consolidating reward points or monetary rewards associated with one or more financial accounts which may include electronically receiving information regarding a financial transaction in a first financial account, determining an amount of reward points or monetary rewards based on the financial transaction in the first account, and crediting a reward points or monetary rewards account associated with the first account with the amount of reward points or monetary rewards based on the transaction with the first financial account. Further, the method may include electronically receiving information regarding a transaction in a second financial account, determining an amount of reward points or monetary rewards based on the financial transaction in the second financial account and crediting the reward points or monetary rewards account with the amount of reward points or monetary rewards based on the transaction with the second financial account. Further, the first financial account may be a credit card account and the second financial account may an account associated with a debit card. | 01-12-2012 |
20120029996 | Loyalty-Based Credit Prescreening System - An integrated credit and loyalty offering to a retailer maximizes the effectiveness of both programs. The integrated system allows a retailer to enroll customers in a loyalty program, then solicit only pre-qualified customers immediately upon receipt of demographic information corresponding to the customer. The integrated system accepts transaction data from the retailer's loyalty program through the retailer's POS system to the credit prescreening program and awards appropriate loyalty rewards, as well as authorizing the retailer to offer credit to the pre-qualified customers. The credit prescreening process is done in real time as part of a retail transaction with the customer. | 02-02-2012 |
20120029997 | METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR REGISTERING IN A MERCHANT SPONSORED PROGRAM USING A NEAR FIELD COMMUNICATION (NFC) DEVICE - Methods, systems, and computer readable media for registering in a merchant sponsored program using a near field communication (NFC) device is disclosed. In one embodiment, the method includes interfacing an NFC enabled mobile device with a smart poster associated with a merchant sponsored program to obtain a merchant sponsored program identifier from the smart poster, and receiving, at a merchant backend server, a request message for merchant sponsored program registration information from the NFC enabled mobile device, wherein the request message from the NFC enabled device includes the merchant sponsored program identifier. The method further includes obtaining merchant sponsored program registration information associated with the merchant sponsored program using the merchant sponsored program identifier and providing the merchant sponsored program registration information to the NFC enabled mobile device. | 02-02-2012 |
20120029998 | PROMOTIONAL CONTENT AND COUPON DELIVERY - Systems and methods provide interactive functionality and the ability for integrating coupon delivery with the use and features of a variety of portable, electronic devices. Coupons, advertisements, and/or other types of promotional content may be directed to a user's device from one or more of a plurality of sources. The presentation, use, and/or rendering of such promotional content is configurable according to, e.g., a consumer's preferences, an advertiser or coupon provider's preferences, and/or in an electronic FSI format, from which coupons may be printed, utilized in e-commerce, and/or linked to one or more loyalty cards/frequent shopper cards or accounts, for subsequent redemption. Shopping lists may be created with information regarding products based on such promotional content, and or the retrieval of product identifying information. Implementation of the systems and methods includes embedding promotional content into various types of media content, and/or via a standalone application. | 02-02-2012 |
20120029999 | SYSTEM AND METHOD FOR IMMEDIATE ISSUANCE OF TRANSACTION CARDS - A system and method for substantially immediate issuance of transaction cards includes at least one unassigned transaction card including a storage medium having a card number encoded thereupon. The system also includes a computing system configured to receive application information from an applicant that has been provided said unassigned transaction card, and to activate the unassigned transaction card so that access to monetary funds is extended to the applicant through said unassigned transaction card, upon an evaluation of said application information indicating that the applicant has been approved for access to the monetary funds. The unassigned transaction card bears no visible marking presenting information concerning the applicant and encodes no information concerning said applicant upon the storage medium of said unassigned transaction card. | 02-02-2012 |
20120041812 | METHOD AND SYSTEM FOR USING REWARD POINTS TO LIQUIDATE PRODUCTS - A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points are to be used towards the purchase of the liquidated product. The transacting entity acts to decrease the number of reward points in the user's reward account by the required number of points. The reward account holder conveys consideration to the transacting entity equivalent to the par value of the reward points consumer obtains the product in exchange for reward points having a retail value equivalent to what he would have otherwise paid for the product, while the reward account holder is required to convey only the par value of the points. The product provider is able to liquidate the product and obtain payment equivalent to what it would otherwise have obtained in a prior art liquidation process, auction or trading environment. | 02-16-2012 |
20120059704 | PRODUCT INFORMATION PROCESSING APPARATUS AND PRODUCT INFORMATION PROCESSING METHOD - A product information processing apparatus includes: an image importing section which imports an image imaged by an imaging section; a service label detecting section which detects a service label in which incentive content obtained from purchasing of the product is expressed in a visually unrecognizable form, from a product image imported by the image importing section; and a notifying section which notifies the incentive content of the service label detected by the service label detecting section. | 03-08-2012 |
20120066050 | SYSTEM AND METHOD FOR PROVIDING LOYALTY CARD REWARDS THROUGH AN ALTERNATE USER FINANCIAL INSTRUMENT - The present disclosure relates to comparison shopping and usage based service analysis for consumers, primarily for financial products. A consumer may not be aware of a provider's services, options, terms, conditions, costs, or how the service options change based on the consumer's particular usage characteristics. The disclosed comparison shopping method uses actual or predicted service usage data from the consumer. Service provider information is used to present the consumer with relevant alternative service offering options. Transaction data is gathered from a user's financial account and is analyzed for a savings opportunity indication. The analysis is used to match a savings opportunity from a database of savings opportunities, and the savings opportunity may be displayed in a statement of a user's financial account. Past responses to a savings opportunity indication may be gathered and analyzed. In one example, a savings opportunity is presented for use in a subsequent transaction. | 03-15-2012 |
20120072277 | SYSTEM AND METHOD FOR PRESENTING A COMPETITIVE COMPARISON OF A RECOMMENDED OR CUSTOM CARD - A system, computer product and method for presenting a competitive comparison of a recommended financial transaction instrument. A set of questions is presented to a consumer in order to determine psychographic characteristics of the consumer. At least one subset of questions is presented based on answers to the set of questions, the at least one subset of questions relating more specifically to available benefits. A tailored financial transaction instrument is recommended having benefits which are based on answers to the at least one subset of questions. At least one similar competitive financial transaction instrument is presented to the consumer. | 03-22-2012 |
20120078703 | ACCESS TO MEDIA BITES - Accessing media data in bites, including: receiving a request from a client to access a media item, and determining an address of the requested media item, wherein the address indicates a location where the media item is stored; determining an identification number of a piece of the media item selected by the client; updating the address of the media item by combining the address with the identification number of the piece of the media item selected by the client; valuating the piece of the media item selected by the client, and sending a valuated price to the client; and providing access to the requested media item using the updated address of the media item when a payment for the valuated price is received from the client. | 03-29-2012 |
20120084133 | METHODS AND APPARATUS TO DISTINGUISH BETWEEN PARENT AND CHILD WEBPAGE ACCESSES AND/OR BROWSER TABS IN FOCUS - Methods and apparatus to distinguish between parent and child webpage accesses and/or browser tabs in focus are disclosed. An example implementation includes identifying an HTTP request; retrieving Page Info data from a browser; electronically detecting if the Page Info data and the HTTP request identify a same Internet resource; electronically classifying the HTTP request as a parent call when the Page Info data and the HTTP request identify the same Internet resource; and electronically classifying the HTTP request as a child call when the Page Info data and the HTTP request identify different Internet resources. | 04-05-2012 |
20120109735 | Mobile Payment System with Thin Film Display - A flexible stored value label has within it an integrated thin film flexible display and has RFID and security capabilities. In another embodiment, the present invention is a stored value payment system. The label has a secure processor with a memory, a near-field antenna connected to the processor and a bi-state display and a flexible encapsulation layer encapsulating the secure processor, the near-field antenna and the bi-state display. The encapsulation layer has a window through which information displayed on the bi-state display may be viewed. The secure processor and the display are powered solely by energy received through the near-field antenna and the label conforms to a shape of a non-planar surface of an object to which it is attached. | 05-03-2012 |
20120130794 | Method and System for Managing Customer Relationships - According to one embodiment, the method comprising the steps of creating, by a first user of the social networking site, at least one first profile associated with a business; creating, by a second user of the social networking site, at least one profile associated with a potential customer; generating, by the first or a third user of the social networking site, at least one machine readable token associated with the first profile; displaying the at least one machine readable token in an intended business context; capturing, by the second user, the at least one machine readable token with a mobile device; submitting, by the second user, information regarding the captured machine readable token to the social networking site; and automatically creating a link on the social networking site between the first profile and the second profile in response to the submitted information. | 05-24-2012 |
20120136711 | SYSTEM AND METHOD FOR MANAGING CUSTOMIZED REWARD OFFERS - In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined. Transaction data that is associated with the financial account is received, and a second performance target for the financial account is determined based on the transaction data. | 05-31-2012 |
20120143669 | LOYALTY OFFER MODELING - Loyalty offer modeling techniques are described. In one or more implementations, interaction with a loyalty service via a network is performed to model one or more loyalty offers for a use in conjunction with a merchant. Information is transmitted via the network for receipt by the loyalty service, at least a portion of the information describing consumer interaction with the merchant that pertains to the loyalty offer that is sufficient for use by the loyalty service to manage participation of the consumers with the one or more loyalty offers of the merchant. | 06-07-2012 |
20120150610 | SYSTEM AND METHOD FOR PROCESSING A GIFT INVOLVING SEPARATE TRANSACTIONS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing a gift involving separate transactions. A system configured to practice the method first associates a policy with a giver having a giver account and a recipient having a recipient account, wherein the giver account is independent of the recipient account, and wherein the policy requires at least two transactions prior to applying a gift amount. Then the system monitors transactions using the recipient account to identify at least two separate qualifying transactions according to the policy. Upon identifying the at least two separate qualifying transactions, the system applies the gift amount to the recipient account according to the policy. | 06-14-2012 |
20120150611 | SYSTEM AND METHOD FOR PROCESSING FINANCIAL TRANSACTIONS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for receiving data from a giver at a first time, the data being used to identify a merchant at which a gift from the giver to a recipient is redeemable. The system presents a group of merchants associated with the data to the giver, each merchant of the group of merchants offering a promotion in connection with the gift. The system receives from the giver a selection of a chosen merchant from the group of merchants, the chosen merchant having an associated promotion. The system then generates a policy comprising the gift, the chosen merchant, and the associated promotion such that upon receiving an indication of a triggering event caused by the recipient, the system can apply the gift and the associated promotion according to the policy. | 06-14-2012 |
20120166269 | SYSTEM AND METHOD FOR VEHICLE IDENTIFICATION - A system and method for handling communications between an alternate fuel vehicle and a recharging station where an adapter of the recharging station is configured to connect to a socket of the vehicle. The vehicle is configured to transmit a pilot tone via the socket to the adapter, where receipt of the pilot tone by the recharging station indicates an electrical connection between the vehicle and the recharging has been established. The vehicle is configured to modulate the pilot tone to include information useable by the recharging station, such as to effect payment for any energy provided by the recharging station. | 06-28-2012 |
20120179532 | DEVICE AND METHOD FOR DEVELOPING CUSTOMER LOYALTY - A method and device develops customer loyalty, whereby each member is supplied with a unique identification means. The method and system has a terminal having a reader of the unique identification means provided at points of sale whereby, during a transaction at a point of sale, the terminal dispatches, to a customer loyalty development server, a message containing the identity of the member. An identity of the point of sale and/or of the affiliate and the data relating to the transaction is provided to the customer loyalty development server which allocates a number of points to a points counter in the database of the members. | 07-12-2012 |
20120185320 | SYSTEM AND METHOD FOR MANAGING A LOYALTY PROGRAM VIA AN ASSOCIATION NETWORK INFRASTRUCTURE - A system and method for providing a loyalty program by utilizing a pre-existing association network. When a consumer is registered with the program, the consumer's personal information is stored in a database and associated with a token ID. The token is capable of initiating a transaction message request over an association network when used in conjunction with a merchant transaction system. A program manager is provided that includes an association network interface for receiving over the association network the transaction request message initiated by the token at a merchant, where the transaction request message includes a first set of transaction information regarding a consumer-initiated product purchase interaction. The program manager is then configured to store the first set of transaction information, transmit to the merchant a response message, and utilize the first set of transaction information to facilitate the identification of one or more rewards for the consumer. | 07-19-2012 |
20120197706 | SYSTEM AND METHOD FOR A MERCHANT LOYALTY SYSTEM - A system and method for implementing a merchant loyalty program is disclosed. The invention includes receiving purchase data, wherein the purchase data comprises a consumer account code, a purchase amount, and a service establishment code; associating the service establishment code with a merchant proprietor rewards account code; calculating a reward amount based on the purchase amount; and, crediting a merchant proprietor reward account with at least a portion of said reward amount. | 08-02-2012 |
20120197707 | LOYALTY POINTS SYSTEM AND METHOD WITH SUPPLEMENTAL AUTHORIZATIONS - The invention facilitates pooling, gifting or transferring of geographic area loyalty points between accounts. The invention also facilitates a transfer of geographic area loyalty points from a consumer account associated with a sponsoring company to a consumer account associated with a host company. The invention may also facilitate gifting of loyalty points to charitable organizations on a recurring basis, wherein the gifting may transfer any portion of geographic based points to various charities. The system may also convert the geographic area loyalty points to a monetary value, thereby allowing the points to be donated to a charity such that the donation appears to be a monetary value donation to the charity. | 08-02-2012 |
20120203616 | CONFIGURABLE DOWNLOAD TIMING AND REWARD SYSTEM IN A DATA NETWORK - A system and method are provided for determining whether a transaction between a subscriber and a merchant website requires downloading and/or streaming digital objects. In response to a determination that the transaction does require downloading and/or streaming of digital objects, a subscriber is provided with various options for delaying such downloading and/or streaming in return for incentives of varying value. | 08-09-2012 |
20120209688 | SYSTEMS AND METHODS FOR MULTI-PLATFORM TRANSACTION CARD ACCESS AND MANAGEMENT - Embodiments relate to transaction cards and other carriers and more particularly to systems and methods for creating multi-platform transaction cards and carriers and managing information and access related to those items. Such a carrier provides a recipient or user with a variety of options for redeeming the carrier and, when a QR code is used, additionally provides access to digital account access and information and other features. On the merchant's or other entity's side, use of the QR code by the recipient or user provides opportunities for the entity to obtain additional information about the user and their use of the card, including recipient transaction histories, brand-specific marketing opportunities and other merchant-side benefits. Embodiments thereby provide a multitude of user- and entity-side benefits to the use and management of carriers and related information. | 08-16-2012 |
20120215614 | SYSTEMS AND METHODS FOR AUTOMATICALLY PROVIDING RELEVANT OFFERS TO CUSTOMERS - Disclosed is a method including determining, by a computer based system for managing a rewards program, an assignment for transaction account data associated with a first transaction account. Thereafter, the first transaction account is assigned to a first population of a plurality of populations based on the transaction account data. Thereafter, an offer comprising an offer criteria is received from an offeror. Thereafter, the offer criteria is analyzed to identify a subset of the plurality of populations. The subset comprises the first population. Thereafter, the offer is communicated to the subset of the population. | 08-23-2012 |
20120221398 | Method for Marketing to Audience Members Based Upon Votes Cast by Audience Members - A new and improved method for marketing to customers based upon incoming telephone calls is herein disclosed. A marketing method for use with a broadcast featuring multiple performers for whom at least one audience member may vote, the vote being based upon a performer's performance, the vote being communicated by an electronic device includes receiving the vote from at least one audience member, the vote being cast for at least one of the performers, capturing contact information for the audience member who cast the vote, identifying the contact information with the performer, and communicating a marketing offer to the audience member, the marketing offer related to the performer. | 08-30-2012 |
20120221399 | LOYALTY INCENTIVE PROGRAM USING TRANSACTION CARDS - A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers. | 08-30-2012 |
20120221400 | METHOD, SYSTEM, AND COMPUTER PROGRAM FOR ATTRACTING LOCAL AND REGIONAL BUSINESSES TO AN AUTOMATED CAUSE MARKETING ENVIRONMENT - The present invention teaches a system, method and computer program for enabling local or regional merchants to participate in an automated cause marketing (ACM) program. The ACM program that may provide benefits to several parties involved in fundraising for one or more supported organizations, including one or more supported organizations, advertising providers, merchants, and individuals. Merchants are able to access enhanced analytics regarding their transactions with members and non-members of the ACM program and can use these registration enhanced analytics to realize an increased number of or revenue from transactions with members. The present invention also teaches a system and method for enabling advertising providers to acquire and analyze data associated with consumers-merchant transactions. The present invention provides the above advantages optimally using a mobile device. Furthermore, the present invention, may enable a member to disseminate its charitable preferences to members of its electronic social networks. | 08-30-2012 |
20120226544 | Method and system to create a proprietary social network that allow users to earn free points when they perform certain action on the social network. The method also deducts points when the user fails to perform certain task. The method allows users to accumulate points which convert to credits. The method and system allow users to use credits towards the purchase of special deals offered on the social network. - The invention relates to a system an algorithm where people in a network earn virtual currency in the following manner; when they perform task and buy and trade currency in the network. The system use virtual currency to reduce the price of items for sale from merchants in the network. The invention automatically deducts from the purchase price the equivalent of virtual currency from the system and uses it to instantly reduce the price of items. The invention allows merchants to control the amount of currency that can be credit to each item individually. The invention provides a means where people can create their own savings and does not have to wait for discount sales. | 09-06-2012 |
20120226545 | SYSTEM AND METHOD FOR PROVIDING COUPON-LESS DISCOUNTS BASED ON A USER BROADCASTED MESSAGE - The systems and methods provide an offer to a user that may be accepted by the user through an action by the user. The action may be, for example, a broadcast through a social media channel. The parameters of the offer may defined that the broadcast comprise an offer identifier and may require that a user take subsequent action to fulfill the offer, The systems and methods may also be configured to monitor one or more broadcast channels, identify the source of a broadcast, identify transaction accounts associated with the source, evaluate transaction data associated with the transaction account, and provide benefits to the source and/or the transaction account. | 09-06-2012 |
20120232980 | DONATION KIOSK - Methods, devices, and systems for charitable giving are disclosed. A consumer can set up a target amount of charitable giving that he or she wishes to pledge during a year, and amounts given toward that goal in various transactions can be summed and compared against the target. A consumer can change his or her target or contribution amounts based on projections toward a year-end date. Customer loyalty points, such as reward points, airline miles, hotel stays, etc. can be converted to cash equivalents and given to charity toward the personal goal if they are about to expire and could be used to meet a targeted charitable amount. Web portals and wireless kiosks located in public areas can accept payments, update users on their gift levels, and generally remind people to contribute to charity. | 09-13-2012 |
20120232981 | CONTACTLESS WIRELESS TRANSACTION PROCESSING SYSTEM - A wireless transaction processing system that includes a seller account and a buyer account with the buyer having an Internet enabled device that can access the wireless transaction processing system. The wireless transaction processing system, through the Internet enabled device of the buyer enables full processing of transactions without the need for physical cards or an established sales environment. Additionally, the system allows for the direct promotion of products and services to consumers by any entity. | 09-13-2012 |
20120232982 | SYSTEM AND METHOD FOR ADMINISTERING MARKETING PROGRAMS - A system and method provide rewards or loyalty incentives to transaction account customers. The system includes a computing platform comprising application programming interfaces that enable users to define marketing programs. The system thus enables an efficient, automated and extensible platform for creating, managing and executing rewards and other marketing related programs. | 09-13-2012 |
20120239482 | CUSTOMER AWARENESS PLATFORM - A system and method for providing a customer-centric rewards interface configured to communicate to a customer information related to one or more rewards programs associated with one or more customer accounts includes authenticating an identity of the customer, receiving customer input requesting presentation of the rewards interface, and initiating presentation, using a processing device, to the customer of the rewards interface comprising information related to one or more rewards programs associated with the customer. | 09-20-2012 |
20120245992 | Incentive Program Awarding Points Per-Mile-Driven - Embodiments in accordance with the present invention relate to incentive programs awarding loyalty points based at least in part upon the number of miles driven in a motor vehicle. Reward points may be earned by having the vehicle serviced at authorized locations. At the time of servicing, the authorized location notes a current vehicle odometer reading, and the odometer reading is communicated to an administrator of the loyalty program. The odometer reading is used to calculate a number of miles driven since the last authorized servicing, and the number of mile driven is then converted into loyalty points to be credited to a consumer of the vehicle. Thus, incentives for servicing only at authorized locations are provided to the consumer. | 09-27-2012 |
20120253913 | METHOD, SYSTEM AND DEVICE FOR EXECUTING A MOBILE TRANSACTION - A method of and system for a user executing a mobile transaction. A virtual wallet is generated on a mobile device, the mobile wallet including a reward value component. Information about an item desired to be purchased by the user is input to the mobile device. A proposed payment solution is generated from the virtual wallet that is sufficient to pay for the item and then presented to a point of sale terminal. The point of sale terminal then executes instructions from the proposed payment solution sufficient to execute payment for the item. | 10-04-2012 |
20120259693 | SYSTEM AND METHOD OF ADMINISTERING A LOYALTY-BASED INCENTIVE REWARDS PROGRAM - Technologies are described herein for providing loyalty-based incentives to existing customers of a business participating in a loyalty-based incentive rewards program. In one aspect, a computer-implemented method for providing loyalty-based incentives is described. The incentive rewards system administering an incentive rewards program determines whether a customer of a business participating in the incentive rewards program is eligible for a loyalty-based incentive redeemable at the business. Upon determining that the customer is eligible for the loyalty-based incentive, a maximum redemption value of the loyalty-based incentive for which the customer is eligible is determined based on a previous transactional activity of the customer with the participating business. Consideration is received in exchange for providing the loyalty-based incentive to the customer and then the customer is provided with the loyalty-based incentive having a redemption value not exceeding the maximum redemption value. | 10-11-2012 |
20120284108 | LOYALTY PROGRAM SYSTEMS AND METHODS - A method and system manage loyalty program data and rewards. In some embodiments, the method accesses data associated with a social network and identifies an activity associated with the social network performed by a user. The method determines that the identified activity is associated with a loyalty program reward offered by a loyalty program. A reward is associated with the user based on the identified activity being associated with the loyalty program reward. | 11-08-2012 |
20120296724 | SYSTEMS AND METHODS FOR RECOMMENDING MERCHANTS - A method and a recommender computer system are provided. The recommender computer system is programmed to receive payment card transaction information for a payment cardholder from the interchange network. The payment card transaction information includes data relating to a plurality of purchases made by the cardholder at a plurality of different merchants. The recommender computer system is further programmed to receive merchant rating information, receive merchant descriptive information, and determine location information of each of the plurality of different merchants relative to at least one of a predetermined selectable location and a current location of the cardholder. The recommender computer system then determines a relative ranking of the plurality of different merchants using the received payment card transaction information, the received merchant rating information, the received merchant descriptive information, and the determined location information and displays the determined recommendations to a cardholder. | 11-22-2012 |
20120296725 | SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE - A method and system include verifying credentials for gaining access to a central mobile payment controller using the portable computing device (“PCD”). The central mobile payment 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 central 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 an electronic cash register (“ECR”). Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the PCD and ECR. During or after the purchase transaction, a message may be generated by the central mobile payment controller which lists one or more preferred payment options. | 11-22-2012 |
20120296726 | System and Method For Managing Transactions With A Portable Computing Device - A method and system include verifying credentials for gaining access to a central mobile payment controller using the portable computing device (“PCD”). The central mobile payment 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 central mobile payment controller through a tender steering module may determine if a profile of the portable computing device is associated with a merchant branded payment account and/or with a merchant branded stored value account. The central mobile payment controller may produce a message that lists one or more preferred payment options in a ranked fashion that may favor a merchant based on interchange rates. | 11-22-2012 |
20120296727 | INCENTIVIZING SAFE DRIVING BEHAVIORS - A computer is used to receive data, including an amount of fuel to which a fuel benefit will apply, and a nominated price for the fuel for a future period, from a driver of a motor vehicle. During the future period, or after the future period has passed, purchase data is received, including a quantity of fuel purchased by the driver during the period, and a price paid for the purchased fuel. The purchase price is compared with the nominated price, and if the purchase price is higher than the nominated price, a refund is issued to the driver of at least a portion of the difference between the purchase price and the nominated price, for at least some of the quantity of fuel purchased. | 11-22-2012 |
20120303435 | Method and System for Promoting Social Loyalty Through a Social Network Based Platform - The present invention provides a system and method of facilitating enhanced customer engagement by integrating multiple channels, particularly social networking platform for interaction with the retailer. The invention utilizes the concept of social coupons to encourage customer's participation in brand promotion by way of incentivizing the customer for interacting with the retailer and also for disseminating the social coupon via social networking platform. The invention thus facilitates enhanced customer visit to the retail touch points on a periodic basis. | 11-29-2012 |
20120310723 | CREDIT AND DEBIT CARD WITH REWARD CHOICE FOR CARD HOLDERS - Provided is a method for allowing a debit or credit holder to choose the amount of rewards received depending on a category of purchase. | 12-06-2012 |
20120310724 | SYSTEM AND METHOD FOR PROVIDING A GIFT CARD WHICH AFFORDS BENEFITS BEYOND WHAT IS PURCHASED - A system, computer product and method are provided for a card issuer providing a prepaid gift card to a purchaser, the gift card usable by a recipient of the card to pay merchants who participate in a financial network. The method includes receiving a payment of a predetermined amount, and loading the predetermined amount received from the purchaser into the prepaid gift card. The method further includes activating the loaded prepaid gift card, the activated prepaid gift card being usable by the recipient for paying any of the merchants in the financial network until the predetermined amount loaded in the prepaid gift card is exhausted, and being usable by the recipient to obtain a benefit beyond what is purchased from at least some of the merchants in the financial network. | 12-06-2012 |
20120323667 | SYSTEM AND METHOD FOR ASSOCIATING DISCOUNTS WITH PAYMENT OPTIONS - Systems and methods for associating discounts or incentives with payment options are presented. In various embodiments, a customer purchasing goods or services is presented with various discounts or incentives to use one or more particular forms of payment such as cash, credit card, debit card, house card, or the like. After being presented with such information, the customer may then choose a form of payment, taking into account the various discounts or incentives related thereto. The appropriate discount or incentive is then applied to the customer's total bill and/or saved in the customer's loyalty account for future use. | 12-20-2012 |
20120330739 | POINT ASSIGNMENT - A server includes a database that stores, in association with user identification information for identifying the user who purchases or uses goods or services, the number of points that are assigned to the user according to the purchased or used goods or services and that can be used to purchase goods or services. The server divides the points stored in association with the user identification information into user's own points that only the user can use; and other's points that other users other than the user can use, before storing the points in the database. | 12-27-2012 |
20120330740 | REAL-TIME PLAYER TRACKING - Some implementations of the invention provide methods, devices and systems for acquiring patron data in real time. A plurality of networked cameras may be used to acquire information regarding casino patrons. The cameras may include “smart cameras” having an integrated machine vision system. The real-time information may be used to populate one or more databases of a player loyalty program. Patron information may also be used to determine trends associated with patron demographics, with levels of a player loyalty program, etc. Some implementations of the invention involve monitoring patron event data and determining when predetermined events of interest occur. When a defined event occurs, patron data relating to the associated patron may be monitored, analyzed and used to populate one or more player loyalty databases. In some implementations, patron data acquired prior to the time of the defined event may also be analyzed and used. | 12-27-2012 |
20130006745 | SYSTEM & METHOD FOR PROVIDING INSTANT TANGIBLE REWARDS AT AUTOMATED DEVICES - An incentive system is provided which includes the coordinated operation of at least one automated customer service device, an incentives program management system and a tangible reward awarding device, wherein a user is automatically awarded a tangible award if certain criteria or activity is carried out and identified by the incentives program system. Through appropriate communication, the incentives program management system can identify predetermined user activities or criteria based upon a user's interaction with an automated customers service device, and then trigger a tangible reward device to award a predetermined tangible award to the user. In this manner, tangible rewards can be awarded to users at a location having the automated customer service device and an associates reward device without the need for interaction by an employee. | 01-03-2013 |
20130013386 | SYSTEM AND METHOD FOR ALLOCATING VALUE TO A CUSTOMER ACCOUNT - A method and system and for allocating value such as prepaid airtime to a customer account with a service provider is provided. The method includes receiving from a point of sale a request to allocate a specific amount of airtime to the customer account, receiving a retailer identifier which identifies a retailer to which the point of sale belongs, requesting the service provider to allocate the airtime to the customer account, sending the retailer identifier to the service provider so that the service provider can bill the retailer for the allocation of airtime, obtaining a confirmation from the service provider as to whether the allocation of airtime to the customer account was successful or not and, in response to a positive confirmation that the allocation of airtime was successful, communicating the positive confirmation to the point of sale so that the allocation of airtime is charged to a customer at the point of sale and, in response to a negative confirmation that the allocation of value was not successful, communicating the negative confirmation to the point of sale so the allocation of airtime is not charged to the customer at the point of sale. The point of sale can be configured to offer the customer a choice as to whether the customer would like change for a purchase in cash or in the form of airtime, and if the customer elects to receive change in the form of airtime, the airtime to be allocated to the customer account is selected to be greater than the value of the change in cash, thereby providing the customer with a monetary incentive to choose to receive the change in the form of airtime. | 01-10-2013 |
20130013387 | SYSTEMS AND METHODS FOR AWARDING AND ACCOUNTING FOR POINTS TO A USER TO INCENTIVIZE ACTIVITY - Computer implemented methods and systems are disclosed for awarding, and accounting for, points to a user, including receiving notification of completion of a pre-defined task by a user, awarding first points to the user, wherein the first points only accumulate in a user account, and awarding second points to the user, wherein the second points can be exchanged for rewards. | 01-10-2013 |
20130013388 | LOCATION BASED DISCOUNTS - The claimed subject matter relates to an architecture for interacting with a multiple criteria buying and/or selling system to conduct business electronically. In particular, the architecture can include a dynamic discount card that includes an information access component for receiving information. In addition, the dynamic discount card can include a presentation component for displaying information to a user via the dynamic discount card. | 01-10-2013 |
20130024265 | Programmable Customer Loyalty and Discount Card - A programmable loyalty and discount card system and methods is described. The card is programmable through pre-set and updateable preferences and actions associated with the preferences. Logically incompatible actions are reconciled at time of use of the card through priorities set at the time of initial registration. Participants and users of the system may include multiple retailers, consumers and data users who provide the service to consumer participants through a service provider. | 01-24-2013 |
20130036000 | FINANCIAL TRANSACTION SYSTEM AND METHOD - Systems, methods, and computer program products are provided for conducting mobile and online financial transactions. Methods include receiving financial transaction instructions, wherein the instructions comprise a first alias and a second alias; associating the first alias with at least one payment account, and the second alias with at least one recipient account; and communicating a financial transaction notification to a recipient associated with the at least one recipient account. | 02-07-2013 |
20130041738 | SYSTEMS AND/OR METHODS FOR IMPLEMENTING A CUSTOMER SAVINGS MERIT PROGRAM - Certain exemplary embodiments relate to techniques for facilitating a joint supplier/retailer driven customer loyalty program that specifically advocates customer loyalty by reaching out to consumers with offers that are relevant to the individual shopper and a particular experience they have had. A link between a product and/or service, and a specific customer is provided, e.g., to help facilitate the offering of an incentive (e.g., in the form of a voucher) to a customer who has had a less than satisfactory experience with a particular brand, product, service, sales experience, etc. An opportunity to repair the relationship with a customer who might otherwise be dissatisfied with a product or experience is provided through the provision of customizable customer savings merit programs. | 02-14-2013 |
20130041739 | METHOD AND SYSTEM FOR ADDING A TRANSACTION INSTRUMENT TO A LOYALTY CAMPAIGN - A loyalty gateway ( | 02-14-2013 |
20130046604 | VIRTUAL LOYALTY CARD PROGRAM - Systems and methods for providing a virtual loyalty card program are provided. The systems and methods enable a user to manage loyalty cards and receive offers. The methods provide receiving, at a computing device, loyalty card data associated with at least one loyalty card; storing the loyalty card data in a storage device; determining, via a computing device processor, a status associated with the at least one loyalty card based on the loyalty card data; and communicating, via computing device, a notification to a user based on the determined status | 02-21-2013 |
20130046605 | GROUP BUYING METHOD AND SYSTEM FOR GROCERY AND OTHER MULTI-RETAILER ENVIRONMENTS - A computer-implemented method enables consumers to purchase products or services from merchants using consumer loyalty programs. The method is implemented in a computer system communicating with client devices operated by consumers and merchants. The method features: (a) transmitting a deal to client devices operated by consumers, the deal enabling consumers to purchase a given product or service from one of a set of one or more merchants; (b) receiving from a client device operated by a consumer a deal purchase including consumer payment information for the given product or service; (c) associating the deal purchase with an identifier of a loyalty program account of the consumer in one or more loyalty programs of the set of one or more merchants; and (d) notifying at least one of the set of one or more merchants of the deal purchase such that the consumer can be credited for the deal purchase. | 02-21-2013 |
20130046606 | LOYALTY POINT GIFT REGISTRY - A loyalty point gift registry, and system and method for establishing and contributing to a loyalty point gift registry are provided. The method of establishing the loyalty point gift registry includes obtaining loyalty point account information for a loyalty point account. The loyalty point account has loyalty points. The loyalty point account information is linked to the loyalty point gift registry. A publicly accessible profile is generated for the loyalty point gift registry. The loyalty points are kept private and are not published in the publicly accessible profile. A third party can contribute at least one loyalty point to the loyalty point account using the publicly accessible profile. | 02-21-2013 |
20130046607 | SYSTEMS AND METHODS TO COMMUNICATE OFFER OPTIONS VIA MESSAGING IN REAL TIME WITH PROCESSING OF PAYMENT TRANSACTION - In one aspect, a computing apparatus is configured to facilitate the redemption of loyalty currency in a payment transaction via facilitating awareness of the payment transaction, managing the consumer segmentation and offering promotions, validating available points currency, managing a currency value exchange rate, applying deductions to consumer currency balance, facilitating consumer reimbursement, invoicing for currency exchange, and/or providing consumer engagement. | 02-21-2013 |
20130046608 | METHOD AND SYSTEM FOR ENROLLING A CUSTOMER IN A LOYALTY CAMPAIGN BASED ON A MOBILE DEVICE IDENTIFIER - A loyalty gateway ( | 02-21-2013 |
20130054337 | METHODS AND SYSTEMS FOR CONTACTLESS PAYMENTS FOR ONLINE ECOMMERCE CHECKOUT - A process of conducting a contactless payment in an online transaction comprises initiating, at a computer-based system, an online transaction based on a consumer selection, transmitting, from an RF device, consumer information to the computer-based system. The consumer information may provide at least one of shipping information, account information, and billing information for completing the online transaction. Further, the method includes populating a check-out screen with consumer information from the radio frequency device. The consumer is able to confirm the online transaction and associated information prior to submission for processing. In various embodiments of conducting the contactless payment of an online transaction, the RF device may be at least one of a transponder, a mobile phone, a smart phone, or a fob. The contactless-enabled device may at least one of a desktop computer, a laptop computer, a tablet computer, a notebook computer, a mobile phone, or a smart phone. | 02-28-2013 |
20130054338 | METHODS AND SYSTEMS FOR REDEMPTION PREFERENCE PROFILING OF A CARDHOLDER WITHIN A PAYMENT NETWORK - A computer-based method for managing a redemption profile for a cardholder is provided. The method uses a computer coupled to a database. The method includes assigning an industry identifier to reward items and purchase items being processed over a payment network, receiving transaction information for the cardholder for transactions initiated by the cardholder using a payment card including purchase items purchased by the cardholder and associated industry identifiers, receiving redemption information for the cardholder including historical reward items previously selected by the cardholder and associated industry identifiers, storing the transaction information and the redemption information within the database, generating a redemption profile for the cardholder based at least in part on the stored transaction information and the stored redemption information for the cardholder wherein the redemption profile represents a redemption preference of the cardholder, and recommending a new reward item for the cardholder based on the redemption profile. | 02-28-2013 |
20130054339 | Method and system for implementing a collaborative customer service model - A method for processing customer service query requested by a customer is provided. The customer service query relates to at least one of one or more products and services. The method enables receiving the customer service query. The customer service query is received through an Integrated Voice Response system. The method further enables directing the customer to access a web-based software platform for submitting the query to at least one of an electronic knowledge repository and a social networking software platform. Furthermore, the method enables providing query response to the customer via at least one of the electronic knowledge repository and the social networking platform. The method further enables automatically routing the query to one or more contact center agents and providing query response via a contact center agent, if the query remains unaddressed via the electronic knowledge repository and the social networking software platform. | 02-28-2013 |
20130054340 | METHODS AND SYSTEMS FOR DISPLAYING LOYALTY PROGRAM INFORMATION ON A PAYMENT CARD - A method for displaying loyalty program information on a payment card using a computer coupled to a database is described. The payment card includes a processing device coupled to a display screen. The method includes receiving, at the computer, a loyalty program request message that includes payment card identification data. The payment card identification data is associated with the payment card. The method also includes determining that the payment card is registered in a loyalty program based on the payment card identification data and cardholder account data stored in the database. The method also includes electronically generating a loyalty program response message that includes loyalty program update data. The method further includes transmitting the loyalty program update data from the computer to the payment card for displaying as loyalty program information on the display screen. | 02-28-2013 |
20130060623 | SYSTEM AND METHOD FOR MANAGING AND REDEEMING OFFERS WITH A LOCATION-BASED SERVICE - A location-based service is provided that may be integrated with venue systems, credit card processing systems, and/or loyalty systems for purposes of increasing the likelihood that offers will be accepted and sales of products and services will be made. Such a system according to various embodiments may leverage a social network of the user, and extend particular brand loyalties throughout the social network. That is, certain offers may be passed among users of the social network, permitting others to take advantage of offers thereby increasing the brand awareness and loyalty of particular venues. Further, according to certain embodiments, because an offer management and redemption system may be integrated with a location-based service, offers may be extended at or near the venue location. To this end, users may be provided one or more tools for accepting, purchasing and/or redeeming offers. | 03-07-2013 |
20130066702 | Private Label Promotion Card System, Program Product, and Associated Computer-Implemented Methods - Embodiments of the present invention provide a private label promotion card as a bank product, being issued and managed by the bank and using an open payment network for purchase authorization and payments. A bank computer processes activation information for a promotion card and receives funds into an account at the bank on behalf of a retailer for payment for the promotion card, perhaps at a discount to a customer value of the promotion card. The bank computer authorizes purchase requests to use one or more activated promotion cards as payment for a consumer purchase from the retailer via an open payment network and transfers funds to the open payment network to satisfy the authorized consumer purchase. Upon expiration, the bank computer sweeps the account of the remaining value for expired promotion cards to thereby establish a credit for the bank. | 03-14-2013 |
20130073369 | System and Method For Influencing Consumer Purchasing Of Consumer Packaged Goods - The present invention has been developed in response to problems and needs in the art that have not yet been fully resolved by currently available marketing systems and methods, particularly in the area of consumer packaged goods (CPG). Thus, these systems and methods are developed to connect the consumers, retailers, and CPG companies together to entice consumers to buy brands and products of the CPG company brands, while engendering brand loyalty. | 03-21-2013 |
20130080236 | Systems and Methods for Enrolling Consumers in Loyalty Programs - Embodiments of the disclosure can relate to systems and methods for enrolling consumers in loyalty programs. Certain embodiments of the disclosure can relate to automatic enrollment of consumers in loyalty programs. In one embodiment, a computer-implemented method for enrolling a consumer in a loyalty program can be provided. The method can include establishing, by a merchant device, communication with a consumer device; determining, by the merchant device, that loyalty information is not stored on the consumer device; and providing, by the merchant device to the consumer device, loyalty information. | 03-28-2013 |
20130080237 | SYSTEM AND METHOD FOR REWARDS PROGRAM FOR CREDIT CARD ISSUER - The exemplary embodiments of the present invention provide a system and method for administering a rewards program. The system includes a computer system in communication with a network. The computer system includes a creation module that creates a reward account upon issuing a credit card from a credit card issuer, a reward adjusting module that adjusts the reward account when the credit card is used in a transaction, and a reward module that grants at least one reward transaction for the credit card issuer. The method includes creating a reward account upon issuing a credit card from a credit card issuer, adjusting the reward account when the credit card is used in at least one transaction, and coordinating at least one rewards transaction for the credit card issuer. | 03-28-2013 |
20130085831 | VENUE MANAGEMENT SYSTEM AND METHOD - A venue management system and method that effectively integrates and automates access control systems, membership and/or loyalty programs, and similar programs and systems to allow a sports team or other organization to more effectively monitor and track ticket holders' attendance histories, purchase histories, spending patterns and other behaviors and to provide rewards and other incentives more closely tied to these behaviors. | 04-04-2013 |
20130085832 | VENUE MANAGEMENT SYSTEM AND METHOD - A venue management system and method that effectively integrates and automates access control systems, membership and/or loyalty programs, and similar programs and systems to allow a sports team or other organization to more effectively monitor and track ticket holders' attendance histories, purchase histories, spending patterns and other behaviors and to provide rewards and other incentives more closely tied to these behaviors. | 04-04-2013 |
20130097003 | COMPUTERIZED METHOD AND SYSTEM FOR ACCESSING MEDIA CONTENT OF A KNOWN PERSON - An access system and method which provides a user the ability to purchase virtual stock in known persons in exchange for access to media content associated with the known person. The purchase of virtual stock by the user can be compared to virtual stock purchased by other users to determine each user's respective level of access granted them. | 04-18-2013 |
20130097004 | APPARATUS, SYSTEM, AND METHOD FOR UNIVERSAL TRACKING SYSTEM - An apparatus, system, and method are disclosed for a universal tracking system. A token module is configured to create a universal tracking token without requiring a user to provide any prerequisites. The universal tracking token is associated with a user by a unique identifier. A user account module is configured to store data associated with a user. The user data includes data associated with one or more universal tracking tokens. The user account is defined as either a merchant or key holder account. Further, a relationship module is configured to maintain a one-to-many relationship between the user account and a plurality of either merchant or key holder accounts. Relationship data is also collected and stored in a database. | 04-18-2013 |
20130103483 | Mobile Loyalty Management System - In accordance with embodiments of the present disclosure, a process to sign-up a consumer with a loyalty program is provided. The process may include generating, by a first mobile device, a secured consumer ID for identifying the consumer; and receiving, by the first mobile device, a program ID associated with the loyalty program. The process may include transmitting, by the first mobile device, a request with the secured consumer ID and the program ID to a loyalty management system for signing up to the loyalty program, wherein the loyalty management system retrieves credential information associated with the consumer based on the secured consumer ID, and uses the credential information to automatically sign-up the consumer to the loyalty program identified by the program ID. The process may further include, upon successful signing-up to a membership of the loyalty program, receiving, by the first mobile device from the loyalty management system, a first merchant service provided by the loyalty program. | 04-25-2013 |
20130110608 | Method for Incentivizing Network-Connected Consumers Patronizing a Network-Hosted Shopping Site | 05-02-2013 |
20130110609 | METHOD AND APPARATUS FOR CONTROLLED DATA SHARING FOR VENDOR LOYALTY PROGRAM EXECUTION | 05-02-2013 |
20130110610 | SYSTEM AND METHOD FOR ENABLING USE OF LOYALTY PROGRAM POINTS AS A STORED VALUE PAYMENT DEVICE | 05-02-2013 |
20130110611 | SYSTEM AND METHOD FOR CONDUCTING SEMI-OPAQUE SALES TRANSACTIONS | 05-02-2013 |
20130117091 | WIRELESS SUBSCRIBER LOYALTY SYSTEM AND METHOD - A system and method are disclosed for providing a complete architectural and procedural solution to wireless subscriber loyalty issues. A flexible promotion creation environment allows mobile phone operators to rapidly create and deploy various incentive programs and other such loyalty schemes; together with a data mining and profiling method for tracking, monitoring and analysing subscriber (or aggregate) usage information associated with given promotions. The proposed data mining and profiling method purposely incents specific subscriber behaviors by triggering a point-based reward scheme based on the dynamic screening of event records which are correlated with incented behaviors. Wherein a threshold is assigned based on usage information for a particular promotion; upon realization of which, the subscriber is, immediately notified of the reward through a plurality of means including e-mail, voice notification and by way of Short Message Service (SMS) at their wireless handset. | 05-09-2013 |
20130124293 | SYSTEM AND METHOD FOR ADMINISTRATION OF LOYALTY PROGRAM - Systems and methods for management of financial and insurance products held by customers in a group and for administration of a loyalty and reward program for the group. Each customer in a group has an individual customer profile, which includes information about one or more insurance products held by a customer and a reward points total associated with the one or more products held by the customer. The profiles of various customers may be compiled in group data. The group attributes may include a group reward points total, which is based on the reward points total of the customers in the group. Either the individual customer reward points totals and/or the group reward points total can be applied to various transactions to receive a reward benefit. | 05-16-2013 |
20130132184 | Systems and Methods for Removing Point of Sale Processing From PCI Scope - The methods and systems described herein provide for processing payments at a retail location whose infrastructure has been significantly removed from PCI scope. A request for processing payments may be sent from a point of sale lane to a back office server in communication with a credit card terminal. A user may use the credit card terminal to enter in secure payment information which is securely transmitted to a remote authorization service for authorization. Through this method, the credit card terminal and sensitive payment information may be securely isolated from the remaining infrastructure at the retail location. | 05-23-2013 |
20130144704 | Telephony Based Reward System - The present disclosure describes a system and method for managing through telephony systems a customer reward system, such as, a spend and get reward system. In one embodiment, a virtual punch card (“VPC”) customer loyalty reward program system and method are managed through a telephonic communication connection provider. | 06-06-2013 |
20130144705 | Socially Networked Business and Consumer Space - Creative energy of consumers is captured and incentivized by businesses when the businesses provide personal incentives that reflect the extent to which the consumers make productive contributions to a socially networked business and consumer space. The personal incentives provide consumers lower prices through coupons, rebates, or other discounts for various items sold or distributed by the businesses. Consumers that are more productive or active in the social space can receive lower pricing on items. The personalized incentive for a particular consumer may be based on the quantity and quality of product reviews provided by the consumer as well as other factors such as consumer loyalty to a particular merchant or business. This business and consumer space spans the brick-and-mortar as well as the online retail spaces allowing consumers to use a mobile device to make online purchases by scanning a tag on a tangible object in a brick-and-mortar store. | 06-06-2013 |
20130144706 | Aggregating Consumer Rewards, Memberships, Receipts, Lowest-Price Matches, and Preferred Payment Transactions - A customer selects a payment source and authorizes payment by sending Short Message Service (SMS) text messages or secure hypertext transfer protocol (HTTPS) requests from the customer's mobile phone or device. A SMS payment software-plugin is installed on a Point-Of-Sale (POS) terminal and launches a price match search and can fetch customer rewards. When a customer requests to pay by SMS, the plugin is activated and the customer's mobile phone number and zip code or POS PIN are entered on the POS terminal. The POS terminal sends a request to a SMS payment system, which sends SMS text messages to the customer's mobile device. When the customer replies to the SMS message with a payment source selection and an approval code, the SMS payment system uses the selected payment source from the customer to create a transaction request to a bank authorization network. | 06-06-2013 |
20130151325 | LOYALTY REWARDS DIRECT PAYMENT AND INCENTIVE METHOD AND SYSTEM - A method and system of facilitating and expediting a Transaction between a Merchant and a Patron of the Merchant is provided. In one embodiment of the invention, a Patron who has previously registered their loyalty account to receive Incentive Rewards for completing the Transaction and to allow the transfer of funds, utilizing an ACH Transaction, from their account to the Merchant's account, can use a single Personal Loyalty Device to expedite, pay for and complete the Transaction and receive Incentive Rewards. According to the invention, after receiving the loyalty account number and, optionally Authentication Information, the Merchant transmits that information and, optionally, Transaction information, to a Rewards Transaction Server who verifies the Transaction, determines Incentive Rewards, generates an Accept Code and sends it to the Merchant, whereupon the Transaction is completed. The Rewards Transaction Server also causes one or more ACH transactions to occur to transfer the funds. | 06-13-2013 |
20130151326 | MUTUALLY SUPPORTIVE SOCIAL NETWORKING AND ONLINE ADVERTISING INCLUDING PROGRESSIVE AWARE OF PARTICIPATION CREDITS - Embodiments of the present disclosure are related to methods, apparatuses, and articles associated with mutually supportive social networking and online advertising. In embodiments, a method may include facilitating a user of a social network in interacting with social media contributed by other users. The user's interaction may be monitored, and the user may be credited with participation credits, including e.g., progressive crediting. The method may further include facilitating setting up a product sample offering program on the social network, by an online advertiser, to offer samples of a product for redemption by users of the social network, using participation credits and/or progressive redemption rates, and administering the product sample offering program accordingly. Other embodiments may be described and claimed. | 06-13-2013 |
20130159084 | LOYALTY AND REWARD PROGRAM AND METHOD TO INCENT PARTICIPANTS - A method of providing rewards to a first party is shown and described. The method may include, the steps of providing a loyalty award Internet website, purchasing a plurality of promotional codes, where the plurality of promotional codes are redeemable from a plurality of merchants, storing the plurality of promotional codes within the loyalty award website, and allowing an award to be granted to the first party by a second party through the loyalty award website, the award having a preselected amount, wherein the first party may obtain at least one of the promotional codes stored in the loyalty award website, whereby an amount of the promotional code obtained is related to the amount of the award. The method may also include the steps of automatically generating a notification to the first party from the loyalty award website, where the notification includes a link to the award, and allowing redemption of at least a portion of the amount of the promotional code through the loyalty and award program. | 06-20-2013 |
20130159085 | Systems and methods for registering consumers in a consumer program while accessing a network - Described are methods and systems for registering consumers with merchant loyalty or other merchant programs by using a credit card or other form of payment to register the consumer, and thereafter automatically recognizing the consumer as a member in the program based on subsequent purchases made using the form of payment. Consumer rewards can then be automatically applied during the purchase transactions with the merchant. Thus, the present disclosure allows for consumers to seamlessly and transparently gain the benefits of consumer programs merely by purchasing goods and services using forms of payment, without consumers needing to carry additional cards or coupons or login information. | 06-20-2013 |
20130166369 | Digital Content Provided to a User at a Physical Location - A method for providing a promotion to a user to do commerce at a physical location includes offering a right to a particular piece of digital content to the user as an incentive to a commercial transaction that occurs at least partly at the physical location, discerning that the user is located at the physical location, and in response to the discerning, interacting with the user to provide the digital content to the user on a mobile device associated with the user. | 06-27-2013 |
20130166370 | REWARDS SYSTEM AND METHOD - A rewards system and method are provided in which the system has a reward defining engine and a rewards earning engine that are able to define a reward and allow users to earn a reward. | 06-27-2013 |
20130173374 | Application Programming Interface For Determining When A Mobile Device Is Inside A Vehicle - A method for determining if a pre-configured set of relevant conditions exist that can be used to suggest a mobile device is within the confines of a vehicle operator compartment or passenger vehicle compartment. Then, an application-programming interface can be used to signal a program when those conditions are meet, and what conditions were involved in that determination. | 07-04-2013 |
20130179248 | METHOD AND SYSTEM FOR MANAGING REWARD REVERSAL AFTER POSTING - A system for managing reward reversal is provided. The system includes a device that is capable of adjusting the accumulation and redemption levels of rewards after a purchase or return transaction. | 07-11-2013 |
20130185131 | SYSTEM AND METHOD FOR INTEGRATING SOCIAL AND LOYALTY PLATFORMS - A method may to authorize a loyalty integration service with a social platform may include transmitting an authorization screen to a user terminal. The authorization screen may include a request to grant a loyalty integration service (LIS) user application access to an identifier of a user on a social platform. The method may further comprise receiving authorization from the user indicating the LIS user application can access the identifier of the user. Then, based on receiving the authorization, the identification of the user on the social platform may be linked with a member identifier associated with the user on a loyalty program. Further, on the user terminal, a dashboard to the user may be presented within the LIS user application. The dashboard may include offers customized for the user based on the user's social data in the social network and loyalty data in the loyalty program. | 07-18-2013 |
20130185132 | ANONYMOUS TRANSACTION CARD - A system and method for substantially immediate issuance of transaction cards includes at least one unassigned transaction card including a storage medium having a card number encoded thereupon. The system also includes a computing system configured to receive application information from an applicant that has been provided said unassigned transaction card, and to activate the unassigned transaction card so that access to monetary funds is extended to the applicant through said unassigned transaction card, upon an evaluation of said application information indicating that the applicant has been approved for access to the monetary funds. The unassigned transaction card bears no visible marking presenting information concerning the applicant and encodes no information concerning said applicant upon the storage medium of said unassigned transaction card. | 07-18-2013 |
20130191201 | COORDINATED NATURAL RESOURCE CONSERVATION - The reuse of consumer materials, such as bags, cartons, containers and the like, or the participation in more sustainable activities, such as car pooling, are tracked in conjunction with a sponsoring entity, such as a commercial establishment where the materials are reused by an individual, and that reuse is tracked and credited as an economic value. The economic value is redeemable with a participant, such a merchant where the materials are reused, or another participant merchant, or a business or employer which sponsors such reuse. The economic value may be redeemed by an individual participant, or may be donated, sold, bartered or exchanged. Groups may participate in the reuse of materials, such as by joining together where the reuse of materials by any member of the group accumulates economic value for the group or a designee of the group, such as a charity. | 07-25-2013 |
20130197985 | Integration Of Gift Card Services For Mobile Devices And Social Networking Services - Methods and apparatus, including computer program products, for social networking services integrated with gift card services. In general, a profile of a member of a social networking service may be presented with one or more merchant credit services for prepaid merchant account credit, data characterizing a request to provide a credit service from the merchant credit services and a mobile phone number associated with an intended recipient of the first credit service may be received, and a message may be caused to be sent to the mobile phone number, where the message characterizes provision of the first credit service to the intended recipient. Interest in the credit service may be tracked and associated with a loyalty indicator associated with the member. | 08-01-2013 |
20130197986 | System and Method for Targeted Marketing and Consumer Resource Management - Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers. | 08-01-2013 |
20130204691 | DYNAMIC FILTERING AND SORTING OF VISITORS FOR PROVIDING ASSISTANCE - An apparatus comprising a memory and a controller. The controller is configured to identify at least one visitor; monitor said at least one visitor for visitor actions; award points to said at least one visitor based on said actions in real time; and sort said at least one visitor according to said awarded points. | 08-08-2013 |
20130211900 | SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE - A method and system include verifying credentials for gaining access to a central mobile payment controller using the portable computing device (“PCD”). The central mobile payment controller may receive a merchant identifier corresponding to a vending machine and then it may compare the merchant identifier against loyalty account data stored in a database. The central mobile payment controller through a tender steering module may determine if a profile of the portable computing device is associated with a merchant branded payment account and/or with a merchant branded stored value account. The central mobile payment controller may produce a message that lists one or more preferred payment options in a ranked fashion that may favor a merchant based on interchange rates for completing a transaction at the vending machine. | 08-15-2013 |
20130211901 | MULTIPLE PARTY REWARD SYSTEM UTILIZING SINGLE ACCOUNT - A method enabling a frequent shopper reward system capable of tracking performance data of a plurality of members or account holders linked to a single frequent shopper account. | 08-15-2013 |
20130211902 | MULTIPLE PARTY REWARD SYSTEM UTILIZING SINGLE ACCOUNT - A method enabling a frequent shopper reward system capable of tracking performance data of a plurality of members or account holders linked to a single frequent shopper account. | 08-15-2013 |
20130218655 | AUTOMATED CAUSE MANAGEMENT - A method, system and computer program for providing a loyalty engine for automated cause marketing. The method can include a charity linking merchants and sponsors to the loyalty system. Once the merchants and the sponsors are linked and the members are registered, merchant defined rules can instruct a loyalty engine as to the level of donations in connection with one or more transactions by a member that is associated to the loyalty program. The loyalty system can include a reporting facility to allow the merchant to track transactions with members in a number of ways. A system is also provided that can consist of a server including the loyalty engine and the charity utility. The charity utility can provide the functions of the method and can be linked to the networked server. | 08-22-2013 |
20130218656 | SYSTEM AND METHOD FOR MANAGING CUSTOMIZED REWARD OFFERS - In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined. Transaction data that is associated with the financial account is received, and a second performance target for the financial account is determined based on the transaction data. | 08-22-2013 |
20130226686 | CUSTOMER LOYALTY IDENTIFICATION MATCHING - Embodiments of the invention are directed to a system, method, or computer program product for loyalty identification matching. Embodiments of the invention reduce the friction of enrolling in and providing loyalty accounts and coupons at a point-of-transaction for a transaction with a merchant. Once the user enrolls in the program, all loyalty accounts the user may have are determined. Furthermore, coupons that are available to the user are determined and stored in association with the user's loyalty accounts. In this way, the user may provide a user identifier to the merchant at a point-of-transaction to utilize the user's loyalty accounts and/or coupons for the transaction. The system, after receiving the user identifier from the merchant may provide the merchant with all loyalty accounts and coupons associated with the transaction the user is entering into with the merchant and apply them to the transaction. | 08-29-2013 |
20130231993 | TWO-WAY TOUCH-SCREEN BASED COMMUNICATION SYSTEM - Embodiments of the disclosure generally set forth a two-way touch screen based communication system. One example method may include receiving an order for an item from a first touch screen device via a first network, wherein the order is associated with a first identification for a merchant, a second identification for the customer, and a negotiable parameter reflective of a preference of the customer. The method may also include making available the order for a second touch screen device of the merchant to retrieve via a second network and to display and prior to completing processing of the order, transmitting a first response to the preference of the customer to the first touch screen device via the first network. | 09-05-2013 |
20130238414 | INFORMATION PROCESSING APPARATUS AND INFORMATION PROCESSING METHOD - An information processing apparatus comprises: a judgment unit configured to refer to a point return rate storage unit storing a second point return rate different from a first point return rate and a first condition for changing a point return rate into the second point return rate to judge whether or not a received order is consistent with the first condition; and a point calculation unit configured to calculate a point number by using the first point return rate if the order is inconsistent with the first condition, and calculate the point number by using the second point return rate if the order is consistent with the first condition, wherein the second point return rate and the first condition are changed with a fourth point return rate different from a third point return rate and a second condition for changing into the fourth point return rate. | 09-12-2013 |
20130238415 | Electronic Trading System and Method for Marketing Products and Services - A consumer is provided with a first asset in return for a promise to earn an agreed to number of points over an agreed to redemption period. The consumer subsequently earns the points by purchasing one or more second assets. At least one of the second assets is different than the first asset. Each purchase has an associated point value, at least one of the point values being different than at least one other point value. | 09-12-2013 |
20130246151 | Method And System To Enable Brands To Build Affinity Based Loyalty Networks - Techniques disclosed herein provide a brand loyalty program environment. Brand providers having loyalty programs may be enabled to initiate relationships between or among themselves and form a loyalty program affinity group. Brand providers in the loyalty program affinity group may together or individually decide to offer products or services. Brand providers within the loyalty program affinity group may be provided with monetary or non-monetary (e.g., points) credits or funds, acknowledgement following a purchase, or recognition at the time of display of an available transaction to a loyalty program member or following a purchase by the member for earned values These techniques help brand providers lower their overall marketing, customer acquisition, or sales costs and enable consumers or businesses to attain a reward sooner than possible through individual or other forms of loyalty programs. | 09-19-2013 |
20130246152 | Electronic Trading System and Method for Marketing Products and Services - A consumer is provided with a first asset in return for a promise to earn an agreed to number of points over an agreed to redemption period. The consumer subsequently earns the points by purchasing one or more second assets. At least one of the second assets is different than the first asset. Each purchase has an associated with point value, at least one of the point values being different than at least one other point value. | 09-19-2013 |
20130246153 | METHOD AND SYSTEM FOR DISTRIBUTION OF UNACTIVATED BANK ACCOUNT CARDS - The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program. | 09-19-2013 |
20130254009 | TRANSACTION INFORMATION INTERFACE - Apparatus and/or methods for performing a method for distributing rewards points are presented. Such apparatus and methods may include using a receiver module to receive a data file. The data file may include transaction information representing a customer's transactions that occurred over a predetermined period of time. The receiver module may also be configured to receive transaction processing network identification information and rewards partner identification information. The apparatus and/or methods may be further configured to store, in computer readable memory, (1) the data file; (2) transaction processing network identification information; and (3) the rewards partner identification information. The apparatus and/or methods may also include using a processor to retrieve the data file and to instruct a transmission module to transmit the data file to a transaction processing network and to instruct the transmission module to initiate a transfer of funds from the platform to the rewards partner. | 09-26-2013 |
20130262212 | PUNCH CARD LOYALTY PROGRAM IN A SOCIAL NETWORKING SYSTEM - A social networking systems associates users of the system with a social punch card, credits the social punch card with punches based on actions performed by the users, and provides rewards to the users when the target number of punches for the social punch card is reached. A social punch card includes a definition of an action that will credit a punch to the social punch card, a target number of punches for completing the punch card, and a reward to be provided for reaching the target number of punches. Each of the users associated with a social punch card are connected with at least one other user associated with the social punch card. | 10-03-2013 |
20130275199 | EXCHANGING IDENTIFIERS BETWEEN WIRELESS COMMUNICATION TO DETERMINE FURTHER INFORMATION TO BE EXCHANGED OR FURTHER SERVICES TO BE PROVIDED - A server exchanges information between one or more wireless devices to complete a transaction. The server receives second device identifier information from a first wireless device using a wide area network. The second device identifier information was previously provided to the first wireless device using short range wireless communication. The server then uses the second device identifier information to determine additional information concerning an entity or object located in proximity to the second device, and then the server delivers information to the first wireless device based at least in part upon both (a) the second device identifier and (b) a current step in a multiple step process for an ongoing electronic commerce transaction. | 10-17-2013 |
20130282464 | SYSTEMS AND METHODS FOR PROVIDING LOYALTY PROGRAMS VIA A DEBIT CARD - A method and system are provided for linking loyalty programs for merchants and debit card customers. This involves storing, in a database memory, loyalty program identifiers, debit card customer identifiers, for each debit card customer and each loyalty program in which that debit card customer is registered, a loyalty program customer identifier and merchant identifiers; receiving transaction information, which includes debit card holder information, a merchant identifier and purchase information, from a merchant; locating a debit card customer identifier corresponding to the debit card holder identifier; determining the loyalty program identifier for the merchant; and determining if the debit card customer identifier is stored in the database memory in linked relation with a loyalty program customer identifier stored in linked relation to the loyalty program identifier and, if so, determining a loyalty program manager, and transmitting the loyalty program customer identifier and the purchase information to the loyalty program manager. | 10-24-2013 |
20130282465 | AFFINITY REWARDS PROGRAMS - The disclosure relates to affinity rewards program methods and systems. In one aspect, a sponsor participates in an affinity rewards program by transmitting to a rewards program administrator an offer record including a sponsor identifier, an offer reward, and a reward interaction condition. The sponsor receives from a user a unique user identifier associated with an affinity passport which includes the user identifier in readable form and which is associated with the rewards program. The sponsor transmits to the rewards program administrator an event record including the user identifier, the sponsor identifier, and event information defining a user-sponsor interaction. The sponsor receives from the rewards program administrator an indication whether the event information meets the interaction condition and qualifies the user for the sponsor's reward. | 10-24-2013 |
20130282466 | SYSTEMS AND METHODS FOR GENERATION OF AN ONLINE STORE - A method for implementing an online teacher gift registry includes: generating a teacher registration graphical user interface; entering teacher registration information prompted by a registration module; selecting, from an online store, products and a quantity of each of the selected products to be included in the teacher gift registry for others to purchase; and electronically publishing registry information. The electronically published registry information includes a uniform resource locator (URL) link enabling others to access the teacher gift registry. | 10-24-2013 |
20130282467 | SYSTEM AND METHOD FOR CARD LINKED REWARD EXCHANGE ACCOUNT - A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from the reward servers and credits the accumulated points rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access. | 10-24-2013 |
20130290087 | METHOD OF IMPLEMENTING A LOYALTY AWARD PROGRAM - The present invention relates to a system and method of implementing a loyalty awards program. The a loyalty award program can be implemented using tokenized user account data (e.g., credit card number, bank routing number, etc.) in lieu of original the account data. Using the tokenized data, the loyalty account can be identified and a loyalty award, based on purchase details of a transaction, can be associated with the user's account. The present invention does not require the loyalty system to be PCI compliant since the secure user account data is not handled and/or data warehoused at the loyalty system. | 10-31-2013 |
20130290088 | Systems and Methods for Incentive-Based Nutrition Enhancement - Incentivizing nutritional eating includes receiving data characterizing at least one basket level transaction for an incentivized product. The transaction is completed by a participant. Using the received data, a rating based on a measure of nutrition of the incentivized product is calculated. A reward based on the calculated rating is determined. Data characterizing the reward is provided. Related apparatus, systems, techniques, and articles are also described. | 10-31-2013 |
20130290089 | METHOD FOR INCREASING SHOP FOOT TRAFFIC WITH CUSTOMER REWARDS - A method and system for increasing store foot traffic by providing customers with reward incentive. Retailers and customers sign up to the incentive program with an app being provided to the customer on a mobile device. The customer, when shopping at a first retailer is provided with a virtual coupon for related items at another proximate retailer, which is accessed such as with a tangible receipt, having a scannable unique notation. The customer scans the notation with a smart phone and with a downloaded rewards app operating to process it for the reward with the app effecting a transmission to a centralized and controlled server, with details of the sales transaction. The server analyzes the customer's purchase and provides a reward for determined related items at another proximate establishment valid for controlled times, and downloads it directly on the display of smart phone for scanning by a redeeming retailer. | 10-31-2013 |
20130297394 | Electronic Shopper Loyalty Card & Interactive Web Interface - A system for adding a reliable, non-obtrusive or distracting method to gather and process consumer behavior and interest when a sale is not made in the retail environment. The system would allow for the display of this information back to the consumer though a web landing page and would allow retailers and product manufacturers to make offers to the consumer based upon certain criteria that could include frequency to the store, aisles traveled or stops during the aisle travel to look at but not necessary purchase the product. Additionally the system would give the ability to the consumer to unlock secured display cabinets to access product since they would be considered a “trusted” source. | 11-07-2013 |
20130297395 | Systems and methods for registering consumers in a consumer program while accessing a network - Decribed are methods and systems for registering consumers with merchant loyalty or other merchant programs a by using a credit card or other form of payment to register the consumer, and thereafter automatically recognizing the consumer as a member in the program based on subsequent purchases made using the form of payment. Consumer rewards can then be automatically applied during the purchase transactions with the merchant. Thus, the present disclosure allows for consumers to seamlessly and transparently gain the benefits of consumer programs merely by purchasing goods and services using forms of payment, without consumers needing to carry additional cards or coupons or login information. | 11-07-2013 |
20130304558 | SYSTEMS AND METHODS FOR ADMINISTRATION OF FINANCIAL PRODUCTS - The principles and embodiments of the invention relate to systems and computer-implemented methods for administering financial product accounts that provide reward benefits. An attribution rate on an investment in a financial account can be generated as benefit rewards received from the use of credit cards in a credit card account. The method can comprise issuing credit cards to customers, and receiving invested funds into corresponding financial accounts for each customer, wherein the financial accounts are configured by the computer-implemented method as a saving vehicle selected by the customers for investment. The computer-implemented administration system can comprise a credit or debit card provided to a person having an account, a first computer system having communication hardware for receiving credit or debit card data over a network, and a non-transitory computer readable media having an account database configured to record monetary values in the account. | 11-14-2013 |
20130311266 | METHOD AND SYSTEM TO PERSONALIZE REWARDS AND LOYALTY PROGRAMS - A computer system and method that determines personalized transaction yields for one or more payment vehicles in real-time-and can automatically process the transaction on the optimally advantageous vehicle. Embodiments of the invention disclose a system and method that can advise and instantly generate rewards bids for credit issuers and arbitrate, present, and reconcile those rewards bids for consumers. | 11-21-2013 |
20130325577 | COMMUNICATION SYSTEM WITH CUSTOMER LOYALTY DATABASE AND RELATED METHODS - A communication system may include a mobile wireless communications device, and a server communicating with the mobile wireless communications device and storing a customer loyalty database including customer loyalty records for corresponding users. The customer loyalty records may include a respective customer loyalty record associated with a user of the mobile wireless communications device. The mobile wireless communications device may access the server via a web page interface, input, via the web interface, identification data associated with the respective customer loyalty record for logging into the server, send a vendor use code to the server, and selectively cause the server to update the respective customer loyalty record based upon the vendor use code provided to the server via the web interface. | 12-05-2013 |
20130332254 | METHOD, SYSTEM FOR CONSUMER LOCATION TRIGGERED REWARD POINTS - A method and system for offering reward options to consumers is disclosed. Offering of the reward options is triggered when a consumer visits certain locations. A server of the system is able to obtain the position of the mobile terminal of the consumer, and to determine if the mobile terminal is in the vicinity of any such location. If so, the server is triggered to offer a reward to the mobile terminal. The server stores records of visits to such locations. Alternatively, or additionally, the server stores records of reward options which have been accepted via the mobile terminal, and provides at least one selectable reward to the mobile terminal according to an updated visit record and/or reward acceptance record. | 12-12-2013 |
20130332255 | SYSTEMS AND METHODS TO PROCESS REFERRALS BETWEEN OFFER CAMPAIGNS - In one aspect, a computing apparatus is configured with a mechanism to automate and regulate referrals across multiple programs, such as offer campaigns, loyalty programs, coupon programs, etc. The specification of a first program is configured with the identification of referral opportunities that correspond to activities of users in the first program. A set of selection criteria can be used to select a subset of users engaging in the respective activities. The subset of users is provided with the offer from the second program. If a user accepts the offer, the data about the user in the first program is used to automate the enrollment of the user in the second program. The second program may be configured with referral configuration parameters to match with the referral opportunities provided by other programs, if the second program is also hosted on the computing apparatus. | 12-12-2013 |
20140006135 | Social Currency And Method Of Using The Same | 01-02-2014 |
20140012650 | METHODS FOR COMMUNITY-BASED CUSTOMER REWARDS MANAGEMENT - Methods for distributing rewards to buyers purchasing products on online marketplaces, including providing a rewards servers storing community ledgers and seller ledgers, receiving orders from buyers to sellers, receiving from sellers selections of either community-directed awards or seller-directed awards, incrementing seller-specific point balances if sellers selected seller-directed awards, and incrementing community-wide point balances if the seller selected community-directed awards. Some examples may include only community ledgers and no seller ledgers. Some examples may additionally or alternatively include reading scanned identification data with a community identification reader. | 01-09-2014 |
20140012651 | EARNING REWARDS VIA BILL PAYMENT - Embodiments of the invention are directed to systems, methods and computer program products associated with a bill payment feature that enables users to receive rewards for paying bills before their due dates. In some embodiments, a method comprises determining a bill due within a predetermined period in the future; initiating, via a mobile network, notification of the bill, an amount associated with the bill, and a due date associated with the bill; initiating, via the mobile network, a first option to pay the bill prior to the due date; and in response to determining the first option is selected: deducting, from an account, an amount of funds corresponding to the amount associated with the bill; providing a reward to the account; and transmitting, on the due date, the amount of funds to a merchant associated with the bill. | 01-09-2014 |
20140019223 | SYSTEM AND METHOD FOR USING PAYMENT CARDS - A system and method are provided for using payment cards. The method includes issuing promotion offers pertaining to the payment cards in real time. The method further includes redeeming the promotion offers in real time at a point of sale. | 01-16-2014 |
20140025471 | Consumer Health Incentive Program - A computer implemented system for sustaining healthcare consumerism. The computer implemented system comprises a database, wherein the database contains pricing information for a medical service, a reference price for the medical service, an application configured to determine the reference price for the medical service, and an incentive engine configured to incentivize a policy holder to obtain the medical service at a price lower than the reference price for the medical service. | 01-23-2014 |
20140025472 | OPT IN SYSTEM AND METHOD - A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium. | 01-23-2014 |
20140032298 | ADVERTISING DIRECTED BENEFICIARY PROCESS - Embodiments of the present disclosure may include a computer-implemented method that may include generating, using one or more computing devices, a user account associated with a particular user and assigning an initial engagement value to the user account based upon, at least in part, the user's actions with one or more merchants. The method may further include identifying at least one trackable purchase event associated with the user account and providing at least one advertising campaign parameter to the user account, wherein a portion of the revenue generated from the at least one trackable purchase event is directed to a beneficiary of the user account. | 01-30-2014 |
20140032299 | VIRTUAL INTEGRATION OF A LOYALTY CARD WITH A POINT OF SALE SYSTEM - Methods and supporting systems for administering a loyalty card program include an application residing on a plurality of heterogeneous point-of-sale devices that captures consumer transaction data, wherein the consumer transaction data include the identification of a loyalty card, While the loyalty card is uniquely attributed to an individual consumer, the card may be used to conduct transactions unrelated retail entities, each having its own respective loyalty program, such that values for the individual loyalty programs may be maintained. | 01-30-2014 |
20140052524 | Systems and Methods for Providing Transaction Rewards - A computer-implemented method for processing a transaction between a user and a merchant comprises receiving a request from the user to conduct a transaction with the merchant. The request is received by a computer system programmed to facilitate the transaction. Next, with the aid of a processor of the computer system, the transaction between the user and the merchant is processed. A rewards database of the computer system is then updated with a record of the processed transaction. The rewards database includes a history of one or more transactions between the user and the merchant and a milestone that must be met for the user to be provided a reward from the merchant. | 02-20-2014 |
20140058820 | METHOD, SYSTEM AND COMPUTER PROGRAM FOR CLIENT ACQUISITION AND SURVEYING - A method, system and computer program for enabling a loyalty system to be linked to one or more card issuers, cardholders, merchants, and thereby their cardholders. A system operable to create, implement and manage one or more loyalty programs that provide benefits to members of the loyalty programs in connection with transactions between the members and one or more merchants associated with the loyalty system. The method includes registering on the loyalty system one or more card issuers; one or more merchant acquirers associated with the one or more card issuers; a plurality of cardholders as members of the loyalty program. Establishing and applying rules for accrual and processing of benefits from the merchants to cardholders associated with the one or more card issuers in connection with transactions between the cardholders and the merchants with the loyalty system. Defining a rule based survey utility operable to issue surveys to members of the loyalty system on a transaction and non-transaction basis. | 02-27-2014 |
20140067506 | Apparatus and Method for Offering Micro Rewards in an Electronic Transmission - According to one embodiment, an apparatus stores a user account and a points balance associated with the user account. The apparatus further determines a geographic location of a user associated with the user account. The apparatus then communicates, based at least in part upon the geographic location, an offer for a product. The produce may be associated with a points price and the points balance is at least equal to the points price. The apparatus then receives a signal indicating acceptance of the offer. The signal may be associated with the user account. The apparatus then communicates a second signal indicating that the user can receive the product. | 03-06-2014 |
20140067507 | Method and System for Providing Reward Status - The present invention generally relates to providing a status for one or more rewards using a format in a plurality of display formats. Portable device information associated with a portable device and acceptance point device information associated with an acceptance point device are determined. A status for one or more rewards is determined based on the portable device information and the acceptance point device information. A display format is then determined from a plurality of display formats based on the portable device information and acceptance point device information. A status is then displayed using the display format. | 03-06-2014 |
20140067508 | PERIODICAL RECYCLING AND REWARD DISTRIBUTION SYSTEMS AND METHODS - Methods and systems for recycling a periodical are described. The methods may include the step of providing periodical information about the periodical to a recycling device, where the periodical is deposited with the recycling device. The methods may further include calculating one or more of discount offers based on the periodical information, and displaying the one or more of discount offers at the recycling device. One or more of the discount offers may be selected at the recycling device, and the selected offers may be printed into a ticket, coupon, or some other printed material at the recycling device. | 03-06-2014 |
20140067509 | SYSTEM AND METHOD FOR PERFORMING A SECURE TRANSACTION - A secure transaction system constituted of: a two dimensional platform arranged for variable display; at least one antenna arranged to receive a signal from a contactless element, each of the at least one antenna secured at a fixed location on the two dimensional platform; a transaction server; and a poster communication device in communication with each of the at least one antenna and with the transaction server, the poster communication device arranged to read an identifier of a contactless element juxtaposed with a particular one of the at least one antenna, and transmit the read contactless element identifier and identification information associated with the particular antenna to the transaction server. | 03-06-2014 |
20140074580 | ELECTRONIC MENU SYSTEM AND METHOD - Methods and apparatus for providing configurable menus to customers are disclosed herein. In one embodiment, a computer server communicates with electronic ordering devices operated by customers, and the computer server receives purchasing information from one or more customers sent by respective ones of the electronic ordering devices. The computer server generates a first digitized menu for at least one of the customers based on the purchasing information, and sends the first digitized menu to the at least one electronic ordering device for display on the at least one electronic ordering device. | 03-13-2014 |
20140081735 | STAMP ISSUING METHOD AND STAMP ISSUING SYSTEM - A stamp issuing method and a stamp issuing system are provided. In an embodiment, the method includes the following steps. Stamp information is generated by a stamp issuing terminal based on (1) consumption information transmitted from a retail terminal and (2) a predetermined stamp issuing rule. The stamp information is sent to a mobile terminal. The stamp information and account information of the mobile terminal is sent to a server from the stamp issuing terminal. The mobile terminal is associated with a user account. If the authentication is successful, the stamp information is stored, by the mobile terminal, in the user account associated with the mobile terminal. The stamp information is stored and updated, by the server, in a user account that corresponds to the mobile terminal. Using this method, at least one embodiment can send a stamp to the mobile terminal, via the stamp issuing terminal. | 03-20-2014 |
20140089072 | POSTING PURCHASE INFORMATION - Systems and methods for posting purchase information are provided. In some aspects, a representation of a set of purchases associated with a user of a social networking service is received. That content related to one or more purchases from the set of purchases is to be posted to the social networking service is determined based on a first set of rules. The content related to the one or more purchases is posted, in association with the user, to the social networking service in response to determining that the content is to be posted to the social networking service. | 03-27-2014 |
20140089073 | System and Method For Managing Carbon Emission Credits at a Fuel Dispensing Station Via a Portable Computing Device - Systems and methods are provided for managing carbon emission credits at a fuel dispensing station via a portable computing device. An exemplary method comprises: receiving a request via a communications network for a transaction at a fuel dispensing station; determining a pump identifier associated with the fuel dispensing station; receiving a user selection of a carbon offset for the transaction; sending a message to a store controller associated with the pump identifier for an amount for the selected carbon offset; receiving the amount for the carbon offset; receiving a gas payment amount for the transaction; and initiating processing of a payment comprising the gas payment amount and the amount for the carbon offset. | 03-27-2014 |
20140089074 | METHODS AND SYSTEMS FOR ASSIGNING RECYCLING CREDITS - Methods and systems for determining a recycling credit are disclosed. A total recycling credit for a recycled material may be provided. A manufacturer percentage of the recycled material for a manufacturer may also be provided. The manufacturer percentage may be a percentage of the recycled material associated with the manufacturer. A processing device may determine a raw recycling credit to the manufacturer by multiplying the total recycling credit and the manufacturer percentage. The processing device may further determine a recycling credit to provide to the manufacturer by adjusting the raw recycling credit with a manufacturer green credit determined based on a manufacturer's environmental behavior. | 03-27-2014 |
20140089075 | VIRTUAL QUEUE MANAGEMENT SYSTEM - Disclosed is a system which provides virtual queue management services, which services are customized through a website and/or API, which services allow the managed virtual queues to be dynamically re-ordered based on queue participant behavior, which services may allow queue participants to see the relative or absolute position of other queue participants in a virtual queue, and which services enable virtual queue interaction via mobile and non-mobile computing devices, whether onsite or remote from a queue location. | 03-27-2014 |
20140089076 | Dual Device Security for Loyalty and Other Transactions - Methods and systems for operating a Smart Device | 03-27-2014 |
20140095288 | NETWORK CENTRIC LOYALTY SYSTEM - A network centric system that enables participation by any number of entities including sponsors, issuers, merchants, portable devices, and acceptance point devices in one or more loyalty programs is provided. Any combination of entities may be specified for different loyalty programs. | 04-03-2014 |
20140100936 | LOYALTY RULES - Embodiments of the invention are directed to systems, methods and computer program products for applying loyalty rules. An exemplary apparatus is configured to: receive a rule from a merchant; receive information associated with a transaction executed by the user, the transaction being associated with the merchant; receive information associated with the user's transaction history for transactions associated with the merchant; and determine, based on the rule, the information associated with the transaction, and the information associated with the transaction history, whether to issue a reward to the user's account. | 04-10-2014 |
20140100937 | SYSTEM FOR CONVERTING GREENHOUSE GAS EMISSIONS TO CARBON CREDIT AND METHOD FOR SAME - The present invention relates to a system for converting greenhouse gas emissions to carbon credit and a method for same. The system for converting the greenhouse gas emissions to carbon credit includes a carbon emission reduction device which detects an amount of fuel filled in a vehicle and an amount of fuel used by the vehicle, minimizes the supply of fuel to the engine of the vehicle to prevent excessive fuel consumption and limit carbon emissions when the vehicle does not move within a preset time, supplies fuel to the engine of the vehicle in a normal manner when the vehicle is moved according to detection of the acceleration pedal of the vehicle, generates carbon dioxide reduction information by adding or subtracting an emitted amount of carbon dioxide that is limited during an idling prevention time to or from the emitted amount of carbon dioxide of the vehicle, and converts the carbon dioxide reduction information to carbon credit which includes a generated economic value upon reduction of a ton of carbon emissions. According to the present invention, a greenhouse gas reference emission amount for the vehicle may be reduced, and the greenhouse gas reduction amount for the vehicle may be converted into carbon credit that includes an economic value through the carbon emission reduction device so as to induce active participation by individuals for the reduction of greenhouse gas. Thus, the country, companies, and also individuals may play a role in resolving the problem of global warming, and the economic value of carbon credit generated by reducing the greenhouse gas from the vehicle may be sold or transferred to or acquired from the country or companies to provide economic benefit to the individual and stable growth for the companies. | 04-10-2014 |
20140108119 | MANAGEMENT OF MULTIPLE PAYMENT PROCESSES THROUGH USER EQUIPMENT - The disclosure is related to managing a plurality of payment processes of a consumer through user equipment. User equipment assigns priorities to the plurality of payment processes based on membership benefits, benefit requirements, and selection conditions. After assigning, the user equipment displays information on the plurality of payment processes with the assigned priorities. | 04-17-2014 |
20140108120 | Mobile Rewards Redemption System and Method - A mobile rewards real-time redemption system allows members of programs to use a mobile rewards redemption application via their mobile device to redeem currency or points. A ‘ghost’ credit/debit vehicle (account) is used to redeem the rewards currency or points. The ghost card completes the financial transaction which is, from the perspective of a redemption retailer, a conventional card transaction. | 04-17-2014 |
20140114737 | BUSINESS TO NETWORK REWARD SYSTEM - A business to network reward system. The system allows users to earn rewards, which are shared with others in their social networks. Rewards may be earned through transactions with businesses associated with the system. As rewards are earned, reward information is distributed through the social network to users who share the reward. This distribution of reward information occurs in a positive context for creating a favorable impression of the business. The positive context is created by a user receiving a reward, for which the recipient took no express action. The context is also positive because of an implied endorsement of the business that comes from a network connection of the recipient having transacted business with that business. As a result, a business may be incented to offer a greater reward, which entices more users to the system, and in turn offers greater value to the business. | 04-24-2014 |
20140114738 | Automatic Check-In Using Social-Networking Information - In one embodiment, a method includes detecting by a computer system of an entity a client system identifier. The detection is accomplished using a first wireless communication method. The method further includes sending by the computer system the client system identifier to a social-networking system. The social-networking system includes multiple user profiles arranged in at least one social graph that stores relationships between the user profiles. The method also includes receiving at the computer system from the social-networking system user profile information from a user profile of the user profiles, the user profile identified by the social-networking system as being associated with the client system identifier. The method further includes sending information associated with the entity to the client system in response to receiving the user profile information. | 04-24-2014 |
20140122211 | Method and System for Recognizing Energy Efficient Certified Devices Through a Gateway - A broadband gateway, which enables communication with a plurality of devices, may be operable to identify an energy efficient certified device from the plurality of devices. The broadband gateway may handle at least one physical layer connection to at least one corresponding network access service provider. Information related to the identified energy efficient certified device, including usage information of the device, may be communicated to one or more entities. The broadband gateway may acquire the usage information of the energy efficient certified device by monitoring whether the device is operating in an energy efficient mode. The broadband gateway may obtain a credit and/or a reward from the one or more entities based on the usage information of the energy efficient certified device. The broadband gateway may deposit the credit and/or the reward to an account associated with the energy efficient certified device. | 05-01-2014 |
20140136308 | ONLINE E-COMMERCE PORTAL FOR RETAILING OF PRODUCT/SERVICE - Novel method and system for selling product/service in an online store is disclosed. Points are awarded for customer for customer loyalty and which can be used to reduce the price of a product on future purchases. The price will reduce every time a user uses the points to know the current price of the product. The purchase has to be completed within one or more time limits failing which the price will return to the original selling price. | 05-15-2014 |
20140136309 | SYSTEM AND METHOD FOR OPTIMIZING CARD USAGE IN A PAYMENT TRANSACTION - Systems and methods for enabling a user to use a single financial card in a payment transaction for optimizing card rewards are disclosed. A database having a plurality of payment instruments such as credit cards, debit cards and stored value cards associated to the user's provided single financial card is provided. | 05-15-2014 |
20140136310 | METHOD AND SYSTEM FOR SEAMLESS INTERACTION AND CONTENT SHARING ACROSS MULTIPLE NETWORKS - A system and method for communication between a plurality of users in a communication network are disclosed. Each of the plurality of users is associated with at least one communication device. The method includes receiving a message from a sender intended for at least one recipient in the communication network wherein the sender has initiated sending of the message using the associated communication device. The message may be selected from a group comprising text, audio, video and multimedia. The method further includes customizing the message for at least one communication device associated with the at least one recipient based on a set of rules. Additionally, the method includes delivering the customized message to the at least one communication device associated with the at least one recipient based on the availability of the at least one recipient on the at least one communication device. | 05-15-2014 |
20140143040 | MEMBERSHIP REGISTRATION SYSTEM AND MEMBERSHIP REGISTRATION METHOD - A membership registration system according to embodiments includes an information management apparatus and a store membership management apparatus. The information management apparatus receives user information from the terminal apparatus, and stores the user information in a user information storage unit. When the terminal apparatus makes a membership registration request, the store membership management apparatus transmits to the information management apparatus a transmission request of user information corresponding to a user of the terminal apparatus and sets the user information acquired from the information management apparatus in association with a member ID as member information in a store membership management storage unit. | 05-22-2014 |
20140149198 | USER INTERFACE FOR MOBILE PAYMENT SERVICE - The disclosure is related to a service for helping a consumer to intuitively identify, select, and combine payment instruments returning the relatively best membership to find a lowest payment amount for a desired purchase. User equipment may provide a graphic user interface that i) displays images of payment instruments classified by a payment instrument type, ii) scrollably displays images of the classified payment instruments, iii) displays an estimated lowest payment amount for a desired purchase by combining membership benefits of payment instruments based on payment instrument images scrolled and arranged at a selection position thereof. | 05-29-2014 |
20140156372 | METHOD AND SYSTEM FOR IMPLEMENTING A CELEBRITY AWARD DISTRIBUTION, EXCHANGE AND REDEMPTION PROGRAM - A method and system for providing a multi-user, multi-celebrity award distribution, exchange and redemption program by allocating in an award server computer a plurality of sets of celebrity awards, each of the plurality of sets of celebrity awards associated with one of a plurality of celebrities; monitoring web activities of a plurality of users interacting over a computer network; and for each of the plurality of celebrities and for each of the plurality of users, determining a celebrity sub-score based on a correlation between the celebrity and the monitored web activities of the user, and distributing, based on the celebrity sub-score for the celebrity with the user, a portion of the set of celebrity awards associated with the celebrity to a user account associated with the user. | 06-05-2014 |
20140164088 | SOCIAL NETWORK LOYALTY-REWARD SYSTEM AND METHOD - A social network loyalty-reward system and method provides an application downloadable to a mobile device. Using the system and a customer's mobile device, the application permits participation in a vendor's loyalty program, the participation being triggered by proximity of the user to a specific location or vendor's site. When the user's presence near a point of sale (POS) or other location is detected, rewards are uploaded to the user's account. Moreover, rewards are distributed to individuals in a contact list or social network of the user's mobile device. This obviates the requirement for a customer to produce a physical card or enter an “ID” number to receive loyalty points. Distribution of loyalty points to the user's social network, as defined by the user's contact list, engenders loyalty to the retailer on the part of the user and his/her social contacts. | 06-12-2014 |
20140164089 | Reward Decision Engine - A method of one embodiment facilitates the evaluation of reward choices. A plurality of reward parameters are received by an interface, each reward parameter associated with a user account of a user, and the plurality of reward parameters are stored by a memory. The interface receives information associated with a seller. A processor then automatically selects a user account based on the plurality of reward parameters and the information associated with the seller, and the interface communicates information indicating the selected user account. | 06-12-2014 |
20140164090 | GREEN LIFE MANAGEMENT METHOD AND SYSTEM - The present invention relates to a method and system for managing the green life of a user. The present invention provides a green life management system managing a green life of a user by using a card medium of the user, comprising: a card reader terminal ( | 06-12-2014 |
20140172533 | LOYALTY ACCOUNT IDENTIFICATION - Using identifiers on user payment instruments to identify user loyalty accounts comprises a method to store a loyalty account list associated with a user, the loyalty account list comprising one or more user loyalty accounts; associate an identifier with the loyalty account list; receive information identifying a user loyalty account associated with a merchant, the information comprising an account number for the user loyalty account and an identity of the merchant; associate the user loyalty account with the loyalty account list; receive a request for information identifying a user loyalty account associated with a merchant, the request comprising the identifier received by the merchant from a user payment instrument and an identity of the merchant; determine the user loyalty account associated with the merchant; and provide the information identifying a user loyalty account associated with a merchant. | 06-19-2014 |
20140172534 | SYSTEMS AND METHODS TO FACILITATE PROGRAMMING OF AN OFFER CAMPAIGN - A computing apparatus configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. At least some of the events can include the actions of providing punches on virtual punch cards in the offer programs in which a user is enrolled. One of the event types is configured to be matched/triggered in response to recording punches in the virtual punch cards. | 06-19-2014 |
20140172535 | LOYALTY SYSTEMS AND METHODS - A loyalty system and/or method comprising a mobile computing device and a server wherein the mobile computing device communicates with the server to obtain a loyalty code for use in a loyalty program. | 06-19-2014 |
20140180786 | CUSTOMER REWARD CORRELATION FOR ONLINE COMMUNITY ADVOCACY MANAGEMENT PLATFORM - For an online community advocacy management platform, an advocate score can be tied to a particular customer reward number for the associated brand. In this manner, awards may be triggered based on the advocate score (an aggregate of action over time) through a client-facing API (e.g., a better advocate for an airline may receive frequent flyer miles). | 06-26-2014 |
20140188587 | METHOD, SERVER AND SYSTEM OF PROVIDING MEMBERSHIP SERVICE - A method of providing a membership service by a membership service providing server connected with a user terminal, wherein the method includes: a) receiving a membership service subscription request; b) receiving representative card information; c) receiving affiliated company selection information about an affiliated company; d) matching and storing the user information, the affiliated company selection information, and the representative card information; and e) providing the user terminal with at least one of mileage, a stamp, and a coupon provided by the affiliated company when receiving a membership service request through the representative card from an affiliated company server corresponding to the affiliated company selection information. | 07-03-2014 |
20140188588 | METHOD, SERVER AND SYSTEM OF PROVIDING MEMBERSHIP SERVICE - A membership service providing server is connected with a user terminal and includes: a) receiving a membership service subscription request; b) receiving representative card information about a representative card used for the membership service from the user terminal and registering the representative card information; c) receiving affiliated company selection information about an affiliated company; d) matching and storing the user information, the affiliated company selection information, and the representative card information; and e) providing the user terminal with at least one of mileage, a stamp, and a coupon provided by the affiliated company when receiving a membership service request through the representative card from an affiliated company server corresponding to the affiliated company selection information. | 07-03-2014 |
20140195323 | WEBSITE AND MOBILE APP FOR SHOPPING LIST PRICE COMPARISON - A method of pricing a shopping list includes receiving input effective to generate a shopping list identifying multiple different items. The method also includes identifying pricing data of the different items, the pricing data including: a unit cost of each of the different items at multiple different locations, each of the different locations being associated with a different one of multiple merchants; and discounts applicable to one or more of the different items. The method also includes generating a comparison table based on the pricing data. The comparison table includes a price comparison of the shopping list between the merchants. | 07-10-2014 |
20140200982 | Dynamic Beneficiary System - A method and system for the dynamic assignment of benefits to one or more recipients based on rules associated with commerce transactions. Customer purchases goods or services from a merchant. Transaction information associated with the customer and the merchant is received by a central controller. Benefits are credited by the central controller in real time to associated beneficiaries and notifications are transmitted. According to one embodiment, the central controller assigns benefits according to rules specified by the buyer. | 07-17-2014 |
20140207554 | ONLINE REWARD POINT EXCHANGE METHOD AND SYSTEM WITH PRICE, REDEMPTION AND TRANSACTED VALUE DISCOUNT SCHEDULING - An online reward exchange system and method of operation, which includes an exchange computer that interoperates via a computer network with user computers, reward point issuer computers, and merchant computers. The merchants' products may be purchased by a user by requesting an issuer(s) to redeem reward points in exchange for payment to the merchant for the product. The exchange computer is the gateway to the system and manages various transactions such as providing online product catalogs to users that list the merchants products, as well as displaying to the user the reward points he has available in his reward programs with the issuers. Once a user selects a desired product the exchange computer can mediate or manage the purchase transaction in which reward points are redeemed by the selected issuer and consideration is conveyed to the merchant in exchange for the merchant providing the product to the user. | 07-24-2014 |
20140214516 | SYSTEM FOR MANAGING ELECTRIC ENERGY GRID-VEHICLE EXCHANGE DEVICES - A system for managing electric energy exchange devices is disclosed. The system comprises a processor and a memory. The processor is configured to receive a set of predefined parameters for electric energy exchange for a vehicle using an electric energy exchange device for a time increment. The set of predefined parameters comprises price levels associated with levels of customers. The processor is further configured to receive a set of transaction specific parameters. The processor is configured to determine a price for electric energy exchange based at least in part on the set of predefined parameters and the set of transaction specific parameters. The processor is configured to determine whether a level of a customer meets predefined parameters for free electric energy exchange. The processor is configured to, in the event the level of the customer meets the predefined parameters for free electric energy exchange, provide for free electric exchange. | 07-31-2014 |
20140214517 | SYSTEM AND METHOD FOR PROVIDING MERCHANT LOYALTY REWARDS - A computer-implemented system and method for processing an electronic payment that is initiated in response to a primary financial transaction between a first entity and a second entity. A computer is configured to receive electronic digital information relating to a primary financial transaction between the first entity and the second entity. A non-transitory computer readable electronic storage medium in operable communication with said computer is configured to store at least one customizable business rule associated with the electronic digital information, wherein the at least one customizable business rule includes a merchant loyalty reward. A transaction processor is in operable communication with at least one of the computer and electronic storage medium that is configured to determine all products purchased by the first entity from the electronic digital information; and determine, based on the electronic digital information, whether the merchant loyalty reward business rule applies. | 07-31-2014 |
20140222539 | CUSTOMER LOYALTY SYSTEM - A customer loyalty method including receiving transaction information associated with a transaction between a customer and a merchant, determining, in accordance with a set of predefined loyalty benefit rules associated with the merchant, a loyalty benefit associated with the transaction information, associating the loyalty benefit with a transaction identifier, receiving the transaction identifier from the customer, and crediting, to an account associated with the customer and in association with the merchant, the loyalty benefit associated with the transaction identifier received from the customer. | 08-07-2014 |
20140222540 | PLATFORM FOR LOYALTY SERVICES - A platform for a loyalty program provides an interface allowing a consumer to create a benefit tailored for his/her needs. In one embodiment, a consumer accesses the platform via a web-based interface, and selects benefit/reward parameters including but not limited to the nature of the event triggering award of the benefit, the source (i.e. retailer) of the benefit, the nature of the benefit (i.e., discount based upon purchase price or accumulated loyalty points), and/or the events allowing accrual of loyalty points. The interface communicates the inputted parameter to an engine of the loyalty program. The platform would then check the inputted parameter against any constraints, such as parameters of an existing loyalty program in which the consumer is already enrolled. | 08-07-2014 |
20140244375 | REWARD DISTRIBUTION PLATFORM FOR INCREASING ENGAGEMENT - The present disclosure provides a system and method for providing relevant promotional incentives to increase engagement and participation by members of an entity, such as a non-profit, charitable institution, church or school. The present invention further provides a proactive registration system and method for increasing participation by vendors and entities. | 08-28-2014 |
20140249909 | ELECTRONIC RECEIPT SYSTEM, INFORMATION PROCESSING APPARATUS, AND PROGRAM THEREFOR - An electronic receipt system includes an electronic receipt collective management unit which associates a code of a consumer with electronic receipt information including information concerning a payment made by the consumer in different stores, a reception unit which receives an input a search condition pertaining to an electronic receipt, a search unit which searches the electronic receipt collective management unit based on the search condition, and an output unit which outputs a result of search acquired by the search unit. | 09-04-2014 |
20140257958 | MERCHANT INCENTIVE PROGRAMS ON PROXY CARD SYSTEMS - Selecting an alternate payment instrument after a proxy card payment transaction comprises associating the proxy card account comprising with a plurality of financial accounts that can be selected for funding financial transactions; associating a merchant account with a merchant, the merchant account comprising an incentive program; associating the user proxy card account with the incentive program; receiving a payment authorization request; accessing the user proxy card account based on the identification of the user proxy card account; determining that the user proxy card account is associated with the merchant's incentive program; when the item information in the transaction data meets at least one rule in the set of rules for obtaining the incentive, applying the incentive to the user proxy account associated with the merchant's incentive program; and communicating a notification of the applied incentive to a user associated with the user proxy card account. | 09-11-2014 |
20140257959 | SYSTEMS AND METHODS FOR VERIFICATION OF CONSUMPTION OF PRODUCT - The present solution provides a new tool for digitally verifying the use or consumption of a product. The methods and systems disclosed herein allow a consumer to easily verify their purchase of a product without removing a product identifier, such as a universal product code (UPC), from the product packaging and mailing it back to the manufacturer. Using the methods and systems disclosed a user can capture an image or a video of a product being, among other actions, opened. The system then analyzes the image or video to automatically verify the product that was consumed and also verifies that the video or image has not been previously submitted to the system. The system can then provide the manufacturer, or other loyalty system, with a product identification and verification the product was consumed. | 09-11-2014 |
20140257960 | METHOD, SYSTEM, AND COMPUTER PROGRAM FOR ATTRACTING LOCAL AND REGIONAL BUSINESSES TO AN AUTOMATED CAUSE MARKETING ENVIRONMENT - The present invention teaches a system, method and computer program for enabling local or regional merchants to participate in an automated cause marketing (ACM) program. The ACM program that may provide benefits to several parties involved in fundraising for one or more supported organizations, including one or more supported organizations, advertising providers, merchants, and individuals. Merchants are able to access enhanced analytics regarding their transactions with members and non-members of the ACM program and can use these enhanced analytics to realize an increased number of or revenue from transactions with members. The present invention also teaches a system and method for enabling advertising providers to acquire and analyze data associated with consumers-merchant transactions. The present invention provides the above advantages optimally using a mobile device. Furthermore, the present invention, may enable a member to disseminate its charitable preferences to members of its electronic social networks. | 09-11-2014 |
20140278884 | Financial Product Management and Bundling System - A Value Proposition System (VPS) is incorporated into a financial institution's information systems, and acts as a central repository for value propositions that are available from the institution, such as account groups, discounts for minimum balance or transaction volumes, and the like. The VPS uses a data store to collect data relating to those value propositions customers have purchased or enrolled in. The data store is regularly updated by communicating information with other bank systems. This enables the VPS to evaluate value propositions to determine whether customers are qualified for the benefit of a value proposition, or alternatively have lost entitlement to those benefits. | 09-18-2014 |
20140278885 | ELECTRONIC OFFER MANAGEMENT SYSTEM AND METHOD THEREFOR - An electronic offer management system and method thereof is disclosed. In particular, the system comprises means for receiving information related to a plurality of offers distributed by a plurality of different offer distributors to customer for redemption at plurality of stores, means for automatically routing the information related to an offer to a point-of-sale system of each store in which the offer can be redeemed, and means for automatically clearing the offers redeemed by the customer at the stores. The system further comprises means for automatically reconciling financial obligations associated with each cleared offer, as well means for dynamically profiling customers so that improved offer targeting can be achieved. | 09-18-2014 |
20140278886 | Systems and Methods of Virtual Marketplace of Reward/Loyalty Points - Example embodiments of systems and methods of a virtual marketplace for reward/loyalty points disclosed herein may use geo-fencing to create a marketplace of reward points. The disclosed embodiments may use geo-fencing, coupons, and reward points to draw customers to a target location. Reward points are typically specific to and redeemable at the target location. A customer may use a mobile application to receive location based coupons that are laden with reward points. For example, a customer is walking past a retailer, such as non-limiting examples of a restaurant, a drug store, a grocery store, a department store, and a gas station, among others. In an example embodiment, she carries a location determination device which notifies the system of her geographic location or that her location is within a predetermined distance from a predetermined location. | 09-18-2014 |
20140278887 | REWARDS REDEMPTION SYSTEM AND METHOD (CPG/OEM LOYALTY PROGRAM) - Customers making purchases via a mobile payments method involving an electronic receipt (ereceipt) will be provided the option to participate in a direct to consumer CPG\OEM program. A module within their mobile wallet will detect new receipts and submit them to the CPG\OEM Coalition Loyalty System. Once submitted to the CPG\OEM Coalition Loyalty System, ereceipts will be decomposed and purchased items within the ereceipt will be associated to individual CPGs\OEMs. Purchased items identified to individual participating CPG\OEM loyalty programs will have associated action invoked (e.g., discount, awarding of points or other marketing activities). | 09-18-2014 |
20140278888 | METHOD AND SYSTEM FOR OFFERING SPENDING-BASED REWARDS - A system and method in accordance with example embodiments may include evaluating account holder data, determining an account holder specific rewards program, and providing the account holder specific rewards program to the account holder. The rewards program may include a rewards and/or cash-back eligibility for a number of rewards or cash-back options. | 09-18-2014 |
20140278889 | SYSTEM AND METHOD FOR ACTIVITY AND GEOGRAPHIC RELATED CONSUMER INTERACTION - A system and method directed at a consumer interaction system and program that provides an option to participate in said program, and provides incentives for participating in certain defined behavior, such as dimming the screen of or rendering silent a phone during the showing of a movie in a movie theater, participating in an activity in a particular geographic area, or making purchases. | 09-18-2014 |
20140278890 | SYSTEM AND METHOD FOR MANAGING REWARD PROGRAMS - An Internet-based incentive/rewards platform designed to serve the needs of the indirect channel is provided to independent business partners by industry manufacturers. Through the platform, participating channel partners can review details, e.g., the terms and conditions, of prospective promotions/contests or reward programs offered by manufacturers and can accept or decline the offers to participate in the manufacturer-provided programs. Once the channel partner accepts the manufacturer-provided promotion/contest or reward program, the partner may modify or append certain elements of the program to better fit the partner's business processes and compensation plans. The platform provides administrative tools to track and report participant progress through a claims submittal process where internal partner personnel earn rewards. Rewards can be redeemed for items in an integrated rewards catalog. | 09-18-2014 |
20140278891 | RETAIL RESIDUAL BENEFIT PROGRAM - A residual benefit program where recipients of non-consumable goods receive a good with benefits, can recycle that good for benefits, and redeem the benefits at some point in the future. The program accumulates credits for a beneficiary elected by a primary purchaser. Credits may accumulate due to purchase of a product, recycling of a product, or via interest over time. Upon redemption of the accumulated credits, the beneficiary receives the reward chosen by the primary purchaser. The reward or the redeemer who provides the reward is set by the primary purchaser for the beneficiary and may be modified over time. | 09-18-2014 |
20140278892 | System and Method for Conducting Transactions With a Mobile Device - A mobile wallet system includes an account module comprising a physical memory database to store account information associated with a plurality of transaction devices issued to a consumer, a location module comprising a location device to determine location information of the consumer, a reward program module comprising a physical memory database to store reward information of a plurality of reward programs associated with the plurality of transaction devices, a payment method module executed on a computer processor to determine a transaction device of the plurality of transaction devices that maximizes a reward for the consumer based at least in part on the account information, the location information and the reward information, and a processing module executed on a computer processor to use the determined transaction device to complete a transaction to purchase products or services in order to maximize rewards for the consumer. | 09-18-2014 |
20140297383 | INFORMATION PROCESSING APPARATUS, PRICE CALCULATION METHOD, AND RECORDING MEDIUM - An information processing apparatus including: a storage unit to store product information that includes a selling price of a product, store card information that includes information on a reward rate of a reward card issued by a store, and payment card information that includes information on a reward rate of a card used for payment; and a processing unit to calculate obtained points obtained by purchasing the product according to the product information, the store card information, and the payment card information, to calculate a cash-converted value that is the obtained points converted into a cash value, and to calculate a real selling price by subtracting the cash-converted value from the selling price. | 10-02-2014 |
20140297384 | EVENT PARTICIPATION - Methods, devices and systems are provided for event participation. One method embodiment includes a method for generating income for an owner of an entrant to an event. The method includes defining the event by the owner. The method further includes offering remuneration based upon a fulfillment of the defined event. The remuneration can be memorialized by a remuneration right. The remuneration can be granted from the owner to a participant. And, the remuneration right is granted in exchange for the participant accepting to give consideration to the owner for receiving the remuneration. | 10-02-2014 |
20140297385 | DETERMINING LOYALTY ACCOUNT STATUS AND SALES INCENTIVES USING CHECK-IN INFORMATION - There is provided systems and method for merchant anonymous check-in at a merchant location. A user may bring a user device to a merchant location where the user may have previously checked-in at the merchant location and perform an anonymous check-in at the merchant location. Thus, the user device may provide the merchant location with a different or obfuscated identifier so the merchant does not identify the user from the previous check-in. Once the user has checked-in with the merchant, the user may make service requests for the merchant's staff, such as do not approach or service assistance. Additionally, the merchant may inform the user about loyalty account services and automatically enroll the user in a loyalty account. If the user has discounts, gift cards, or other benefits in a digital wallet, the merchant may offer the user other benefits related to the benefits in the wallet to increase sales. | 10-02-2014 |
20140297386 | SYSTEM AND METHOD FOR SECURELY TRANSMITTING DATA VIA AN ELECTRONIC MARKETPLACE - The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message. | 10-02-2014 |
20140297387 | Method and System for Providing Reward Status - The present invention generally relates to providing a status for one or more rewards using a format in a plurality of display formats. Portable device information associated with a portable device and acceptance point device information associated with an acceptance point device are determined. A status for one or more rewards is determined based on the portable device information and the acceptance point device information. A display format is then determined from a plurality of display formats based on the portable device information and acceptance point device information. A status is then displayed using the display format. | 10-02-2014 |
20140304056 | METHOD AND SYSTEM FOR DONATING REWARD POINTS TO TARGETED CHARITY - A method and system for making a donation to a third party in which a consumer is shown a video regarding a specified charitable organization on an interactive video terminal while in a captive environment such as on an airplane or cruise ship and then queried if he or she wishes to make a donation to that organization in reward points or miles. The user/donor may then request the donation via the interactive screen as desired. | 10-09-2014 |
20140304057 | LOYALTY REWARDS OPTIMIZATION BILL PAYABLES AND RECEIVABLES SERVICE - For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For each reward account, a deficient reward account is found if the currency balance for the reward account is not sufficient for the payment of the account payable. For each deficiency reward account, if identified accounts receivables can be deposited such that the currency balance thereof will be sufficient to pay the account payable, then payments are made of: (i) the identified accounts receivables as corresponding deposits to the currency balance of the deficiency reward account such that the currency balance thereof is sufficient for the payment of the account payable; and (ii) the account payable by a withdrawal from the currency balance of the deficiency reward account. | 10-09-2014 |
20140310084 | SYSTEM AND METHOD FOR FACILITATING A PURCHASE OF SELECTED PRODUCTS OR SERVICES - A system for issuing financial rewards may include a payer/partner module including at least one computer processor configured to receive payer/partner identification information from a payer/partner and a payer/partner account module configured to create a payer/partner account based at least in part on the payer/partner identification information. The system may also include a programming module configured to receive programming information to create one or more program profiles for the payer/partner account and a products or services module configured to create a list of products or services for a financial reward device associated with the one or more program profiles of the payer/partner, wherein the financial reward device is configured to receive financial rewards for purchasing a product or service on the list of products or services associated with the one or more program profiles. | 10-16-2014 |
20140310085 | DIGITAL DOWNLOADING JUKEBOX WITH REVENUE-ENHANCING FEATURES - Certain exemplary embodiments described herein relate to digital downloading jukebox systems of the type that typically include a central server and remote jukebox devices that communicate with the central server for royalty accounting and/or content updates. More particularly, certain exemplary embodiments relate to jukebox systems that have revenue-enhancing features such as for example, music recommendation engines and bartender loyalty programs. Such innovative techniques help to both increase per jukebox revenue as well as keep jukebox patrons engaged with the jukebox. | 10-16-2014 |
20140310086 | SYSTEMS AND METHODS TO PROVIDE LOYALTY PROGRAMS - A computing apparatus includes: a transaction handler to process transactions; a portal to receive from users enrollment input identifying account identifiers of the users and respective loyalty programs; and a data warehouse to store data associating the account identifiers with the respective loyalty programs. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the computing apparatus is to use the data warehouse to determine whether the first account identifier is enrolled with a loyalty program; and if the first account identifier is enrolled with a first loyalty program, the computing apparatus is to use the transaction handler to request purchase details from the merchant via a response to the authorization request, and determine benefits to be awarded to the user of the first account identifier. | 10-16-2014 |
20140324563 | CONSUMER INCENTIVE AND/OR LOYALTY PROGRAM - A consumer incentive and rewards program includes accessing a consumer rewards application, establishing a new account or creating a link between the application and an existing account, capturing an image of a proof of purchase, such as a register receipt, determining a type of information on the proof of purchase and, if the information is direct machine readable, extracting product or service information from the proof of purchase, and if the information on the proof of purchase is not direct machine readable, converting the information into a direct machine readable form, calculating a rewards points value or other incentive based on the product information and posting the calculated points value or other incentive to the account. The information can be collected, stored and analyzed for marketing research. A software system stored in a computer-readable medium for posting a rewards point value or other incentive is also disclosed. | 10-30-2014 |
20140324564 | SYSTEM AND METHOD FOR MANAGING CUSTOMIZED REWARD OFFERS - In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined. Transaction data that is associated with the financial account is received, and a second performance target for the financial account is determined based on the teransaction data. | 10-30-2014 |
20140358661 | LOCATION AND TRANSACTION-BASED MULTI-BRAND LOYALTY SERVICE - A multi-brand loyalty server provides real-time product or service suggestions to customers based on transaction data. The multi-brand loyalty server receives customer information and transaction data from a merchant device(s) located at a merchant subscriber's premises. A loyalty event, such as a promotion or reward for a suggested product or service, is determined based on the transaction data. Information about a suggested merchant and the loyalty event is sent to a mobile device operated by the customer in order to encourage him to make a purchase from the suggested merchant. | 12-04-2014 |
20140358662 | CONSUMER GAME SYSTEM - Systems and methods that support playing of an online game by consumers to qualify for rewards based on the purchase of products in categories represented in cells of an interactive electronic/online game card issued to them by merchant(s) that sponsor the online game. The cells of each online game card appear in a geometric arrangement in which each contains an image, a graphic, and or a textual description representing a product or product category available from the merchant. The consumer may customize their game card(s) to include product categories of specific interest to them, thereby maximizing the reward they may realize. This further promotes consumer exploration of the product offerings of the merchant, resulting in increased likelihood of follow-on purchases from the merchant. | 12-04-2014 |
20140365289 | METHOD AND APPARATUS FOR REWARD CALCULATION AND DISBURSEMENT - Methods and systems for receiving purchase transaction data and identifying the purchase transactions that qualify for customer rebates. In an embodiment, a transaction clearing computer of a payment processing network receives the purchase transaction data from a plurality of acquirer financial institutions. A rewards system computer of the payment processing network identifies individual purchase transactions that qualify for customer rebates pursuant to rewards programs and based on the purchase transaction data, and then initiates crediting of rebate amounts from acquirer financial institutions to payment card accounts of cardholders at issuer financial institutions. The rewards system computer also initiates charging of the rebate amounts to merchant accounts of merchants associated with the individual purchase transactions that qualified for customer rebates. | 12-11-2014 |
20140379453 | Automated Payment, Reward Program Enrollment, and Redemption - An automated method adapted to associate a consumer with a rewards program is described. The method includes: providing a bill to the consumer using a processing device; receiving payment information regarding the consumer; receiving biographical information regarding the consumer; and updating information regarding a user account associated with the rewards program. A software application adapted to process a payment and update rewards program information includes sets of instructions for: generating a bill for a set of goods or services provided to a consumer; receiving a method of payment from the consumer; determining an account associated with the method of payment; and updating the rewards program information associated with the account. An automated method of facilitating a redemption associated with a rewards program includes: receiving a bill associated with a consumer purchase; receiving payment information from the consumer; and applying at least a portion of a redemption balance to the bill. | 12-25-2014 |
20150019317 | Systems and methods to enable offer and rewards marketing and CRM (network) platform - Systems and methods for providing and operating a customer loyalty and rewards platform including network-based and merchant-based registration and management, including mobile messaging, remote and local customer registration options, enrollment and automated payment card account association therewith. | 01-15-2015 |
20150019318 | GUI-BASED WALLET PROGRAM FOR ONLINE TRANSACTIONS - Provided is a method and a GUI-based software application that acts as a wallet with network interconnectivity for enabling a user to securely and seamlessly conduct transactions with his or her online financial transaction program by means of a computer or a wireless handheld device without having to depend on an Internet browser. | 01-15-2015 |
20150019319 | GUI-BASED WALLET PROGRAM FOR ONLINE TRANSACTIONS - Provided is a method and a GUI-based software application that acts as a wallet with network interconnectivity for enabling a user to securely and seamlessly conduct transactions with his or her online financial transaction program by means of a computer or a wireless handheld device without having to depend on an Internet browser. | 01-15-2015 |
20150025955 | SYSTEM FOR ENROLLMENT OF CUSTOMERS INTO COMPANY LOYALTY PROGRAMS - Enrollment into a customer loyalty program may be performed on the spot by using a mobile computing device and a software application that receives a person's information and generates a membership account. The information may be extracted from, for example, a driver's license and the software application may associate the information with the member and may issue a membership card to the person without the person having to leave their present location. | 01-22-2015 |
20150032528 | AUTOMATED SIMULTANEOUS MULTIPLE ARTICLE SUBLIMATION PRINTING PROCESS AND APPARATUS - A process and apparatus for sublimating printed images onto two or more products substantially simultaneously are disclosed. Software components are configured to receive input of a desired number of products to sublimate, and then determine a spatial arrangement of the printed images on transfer media to sublimate the desired number of products substantially simultaneously. The apparatus is configured to print the images onto the media according to the spatial arrangement, then position the media onto a substrate. The products are automatically placed on the media proximate to their corresponding printed images. The apparatus manipulates the media to substantially surround the products and places at least one image onto each side of each product to be sublimated. One or more heating platens engage the media to sublimate the images. The heating platens are configured, using a control, to sublimate multiple products substantially simultaneously in a single thermal cycle. | 01-29-2015 |
20150032529 | SYSTEM AND METHOD FOR ENHANCING CUSTOMER LOYALTY - The present invention relates to a system and a method for enhancing consumer loyalty with a mobile device. The system comprises at least one processing center comprising a processing means for generating at least first and second data, the first data corresponding to a first seller registered in the at least one processing center and second data corresponding to a second seller registered in the at least one processing center. The processing center is capable to communicate the generated first and second data and capable to receive and update data, and comprises a data storage for storing at least the generated first and second data. The system also comprises mobile device registered in the at least one processing center, wherein each mobile device of the at least one mobile device receives at least one of the communicated first data and second data and further generates mobile device data corresponding to at least one of the received data. The system further comprises at least one validator registered in the at least one processing center and comprising a validator reader for reading the generated mobile device data from the at least one mobile device, wherein each validator of the at least one validator generates validator data corresponding to the read mobile device data and communicates the generated validator data to the at least one processing center; wherein each processing center of the at least one processing center receives the communicated validator data to store in the corresponding data storage and further updates at least one of the first data and second data on the basis of the validator data. | 01-29-2015 |
20150039411 | Preferential Pricing, System And Method - An exemplary embodiment provides for a computer-implemented method for self-selection into a familial-based discount telephonic rate program. The method includes receiving an indication that a person is related to a current participant of the familial-based discount telephonic rate program and adding a person to the familial-based discount telephonic rate program as a relative to a current participant. The computer-implemented method further includes providing discounted telephone call rates for phone calls between the person and the current participant. | 02-05-2015 |
20150039412 | AFFINITY GROUP - A method of creating an affinity group image for application to an affinity group transaction means, the method comprising: displaying at least one image for application to a transaction means associated with the affinity group; receiving instructions to manipulate an image selected from the at least one image; processing the selected image by applying the received manipulation instructions to the selected image to produces a personalised image; and saving the personalised image for selection by a member of the affinity group. | 02-05-2015 |
20150058110 | PERSONAL PROFILE APPARATUS AND METHOD OF USE THEREOF - The invention comprises a profile system and/or a profile matching system. The profile system uses profiles to track one or more of an individual, a piece of property, an event, and/or a business. In the profile matching system, a first profile is linked to a second profile using a matching system. For example, a profile of an individual is matched to a company or a profile of any of: (1) an individual, (2) a group, (3) a piece of property, (4) a cluster of property, (5) an event, and (6) a company is linked to one or more of a person, a good, a location, and/or a business. Matching of profiles allows personalized service to the individual and more efficient use of company resources. | 02-26-2015 |
20150058111 | METHOD AND SYSTEM FOR MEMBERSHIP RECRUITMENT THROUGH VALUE SENDING - A system and method provided for recruiting new membership through value sending from existing members. The value can be coupons, discount offers, membership points or payment vouchers in physical and/or electronic formats. The method is an active way to recruit new members through the social network of existing members. Once a member in the system sends value from their account to the non-members by simply entering his/her mobile phone number as identification of the receiver, the receiver will receive the notification through short message service (SMS) or similar service of the value received. The receiver uses his/her mobile number together with the password disclosed within the notification message for redeeming the received value at the point of purchase in the corresponding public facing business. In addition, the receiver can update his membership details through a registration webpage on the internet. | 02-26-2015 |
20150058112 | Device, System, and Method for Providing Bulk Units - A system, device, and method are directed to distributing and applying at least one benefit to units within a bulk quantity of units as they are redeemed. An election is received, optionally in response to a display, of a first quantity of units and a bulk quantity of units. When the first quantity of units is elected, units from the first quantity of units are provided without any additional benefits. When the bulk quantity of units is elected, units from the bulk quantity of units are provided with a benefit distributed across the units which is applied as units from the bulk quantity of units are redeemed. | 02-26-2015 |
20150066623 | SYSTEMS AND METHODS FOR PROVIDING FLEXIBLE INCENTIVE REWARDS - Systems and methods are disclosed for providing a financial account with incentives. In one implementation, a method is provided that includes receiving a selection of at least one identified merchant from a customer, the customer being associated with the financial account. The method also includes providing a first incentive to the financial account for one or more purchases made with the financial account at a merchant other than the identified merchant. Further, the method may include providing a second incentive to the financial account for one or more purchases made at the identified merchant with the financial account, wherein the first incentive is different than the second incentive. | 03-05-2015 |
20150088632 | Methods, Systems, and Servers for Processing Applications for Compensation - Methods of processing applications for compensation include: (a) receiving an application for compensation submitted to a processing hub through a point of sale and/or a system coupled therewith; (b) evaluating the application for compensation in response to the receiving based on data associated with a consumer and/or the application for compensation and/or the point of sale; (c) determining a dispositive outcome for the application for compensation; and (d) implementing the dispositive outcome at the point of sale. Systems and servers for processing applications for compensation, and computer-readable storage media containing instructions for processing applications for compensation, are described. | 03-26-2015 |
20150095129 | LOCATION BASED CONSUMER INTERFACE FOR RETAIL ENVIRONMENT - A location based consumer interface for retail environments includes a plurality of data packet generators distributed around a retail store. The data packet generators include a wireless communication device and are configured to wirelessly transmit codes to mobile computing devices in the retail store. The codes are received by the mobile computing devices, and can be used to present promotional or other content to the consumer, such as content related to the consumer's current location within the store. The codes can also be used for other purposes, such as for use as part of a store rewards program. In some embodiments a vendor is charged a fee for presentation of the content to the consumer. | 04-02-2015 |
20150095130 | SYSTEMS AND METHODS FOR PROVIDING A CUSTOMER SERVICE - The disclosed embodiments include systems and methods for providing customer service. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive customer data and location data from a client device. The one or more processors may also execute the software instructions to identify a customer and a merchant based on the received data. The one or more processors may also execute the software instructions to determine an applicable customer service option based on at least the identified merchant and the identified customer, the customer service option including at least an option to activate a credit card secondary benefit, and transmit a notification to the client device, the notification including the customer service option when the identified customer is eligible for the determined customer service option. | 04-02-2015 |
20150100404 | Systems and Methods for Identifying Product Recommendations Based On Investment Portfolio Data - The disclosed embodiments include, for example, systems and methods for providing recommendations of one or more alternative products to a user based on investment portfolio data. In one aspect, the disclosed embodiments may include a system that is configured to obtain information associated with one or more products of interest to the user. In certain aspects, the obtained information may identify a product previously purchased by the user, one or more products that form a shopping list of the user, and/or a product identified by the user as a potential purchase. The system may be configured to identify one or more alternative products that are similar to the products of interest and that are related to one or more securities associated with an investment portfolio of the user. In one aspect, the system may be configured to generate one or more instructions to transmit information identifying the one or more alternatives product to a device of the user. | 04-09-2015 |
20150106186 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR MANAGING CONTACTLESS TRANSACTIONS - Systems, methods, and computer program products are provided for managing contactless transactions. A tap notification including at least a first identifier is received. A first counter in a first data set associated with the first identifier is incremented. It is determined if the first counter matches one of a plurality of thresholds. If it is determined that the first counter matches one of a plurality of thresholds, a first status level in the first data set is updated. A first set of benefits from a plurality of benefits stored in a memory based on the first status level is identified. The first set of benefits is associated with the first identifier. | 04-16-2015 |
20150106187 | SYSTEM AND METHOD FOR INCENTING RFID TRANSACTION DEVICE USAGE AT A MERCHANT LOCATION - A system and method for providing incentives at a merchant location for using a RF identification (RFID) transaction device for transaction completion is provided. An RFID transaction device account number includes a marker for identifying that the transaction is being completed using an RFID transaction device. A merchant system recognizes the marker and provides incentives to the RFID device user accordingly. In one embodiment, the incentives are provided to an RFID device user in real-time. Alternatively, the merchant system may provide the incentives to the customer at a later time. Further still, incentives may be provided to the user based on a prior transaction history, user profile, or any other data related to the user, user account, merchant, product or service. | 04-16-2015 |
20150112787 | Amateur Athletics Performance-Based Loyalty Rewards Program and Related Systems, Methods, and Apparatus - Loyalty rewards systems and methods. Some methods comprise activities such as gathering performance statistics regarding amateur athletes. These methods comprise gathering sponsorship deals associated with the amateur athletes. These methods comprise assigning loyalty reward points to consumers based on the performance statistics and verifying that the sponsor honored the sponsorship. Methods can comprise facilitating a creation of a fantasy amateur athletic team wherein the assigning of the points is further based on a performance statistic associated with the team. Some methods comprise assigning further sponsorship loyalty reward points based on changes in the performance statistics. Methods can comprise providing a template to amateur athletic leagues through which the amateur athletic leagues are granted access to participate in the methods. If desired, sponsors and/or the amateur athletes can be granted access to participate in the method through the template and/or invitations to amateur athletic performances can be sent to social networks. | 04-23-2015 |
20150112788 | TARGETED ADVERTISING SYSTEM AND METHOD USING CUSTOMER INFORMATION AND LOCATION INFORMATION THROUGH POINT REWARD SERVICE - The advertisement system of the present invention includes a customer terminal for registering a customer in a point reward server as a member based on segment information and transmitting location information in real-time, a member store terminal for registering a member store in the point reward server as a member based on a service or a product, and awarding and notifying points to the point reward server so as to be managed, an advertiser terminal for requesting an advertisement on-line, and the point reward server for registering the members, managing the points, receiving the request for the advertisement, placing a target advertisement, sharing an advertisement profit with the member store and the customer at a predetermined ratio. | 04-23-2015 |
20150120424 | MOBILE POINT SAVING SYSTEM AND METHOD - Provided is a mobile point saving system. The mobile point saving system includes an affiliate-side payment acquisition part, a user-side payment acquisition part, a payment content matching part, and a point saving part. The affiliate-side payment acquisition part receives affiliate payment information from an affiliate terminal and stores the affiliate payment information by each item when a payment event occurs. The user-side payment acquisition part receives user payment information from a user terminal to store the user payment information by each item. The payment content matching part matches contents of the affiliate payment information and the user payment information by each item to determine whether or not the affiliate payment information and the user payment information occur from the same payment event. The point saving part saves points in a user account corresponding to the user payment information. | 04-30-2015 |
20150120425 | FLEXIBLE OPEN ORIGINATION - The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to users and attracting origination customers to a financial institution within a financial business computing environment. The disclosure also extends to a flexible Open Origination that allows any type of mobile, internet, online, personal financial management software, finance tool, or other useful function, device or software, that a bank or financial institution provides to account holders, and offers that same functionality to all users, regardless of their account status. Non-account holders can download and utilize the Banking Software in question in order to enjoy its features, and to become familiar with the experience of doing business with the bank or financial institution that provides the software. This method, system and software allows any user, regardless of where his/her accounts are located, to use the financial software and benefit from its functionality. | 04-30-2015 |
20150120426 | Consolidating and Leveraging Features of a Loyalty Program - Aspects of the disclosure relate to a computer assisted method for consolidating reward points or monetary rewards associated with one or more financial accounts which may include electronically receiving information regarding a financial transaction in a first financial account, determining an amount of reward points or monetary rewards based on the financial transaction in the first account, and crediting a reward points or monetary rewards account associated with the first account with the amount of reward points or monetary rewards based on the transaction with the first financial account. The method may include electronically receiving information regarding a transaction in a second financial account, determining an amount of reward points or monetary rewards based on the financial transaction in the second financial account and crediting the reward points or monetary rewards account with the amount of reward points or monetary rewards based on the transaction with the second financial account. | 04-30-2015 |
20150134438 | METHOD AND SYSTEM FOR ESTIMATING REWARDS EARNED FROM CARD TRANSACTIONS - An indication is received of a transaction between a cardholder and a merchant, wherein a card is used by the cardholder for the transaction, and the card is an instance of one of a plurality of card products available from respective ones of a plurality of card issuers. From a computer database that has stored therein a set of one or more reward parameters associated with each card product, a selected set of reward parameters associated with said one card product is retrieved. An amount and a merchant identifier are determined for the transaction. At one or more computer processors, an estimate of rewards earned due to the transaction is generated, wherein the estimate is generated prior to a clearance of the card transaction and is based on at least the amount and the retrieved set of reward parameters. | 05-14-2015 |
20150134439 | INTERACTIVE DIGITAL RECEIPT - A technique is disclosed for generating an interactive digital receipt on a user device, where the receipt offers an engagement platform for merchants and customers to interact on a continuous basis. The interactive digital receipt is generated in response to an occurrence of a particular financial transaction. The receipt includes a plurality of time-based interactive components to enable the merchant and the customer to interact with one another. In one embodiment, the time-based interactive components include a gratuity component to allow adding of a gratuity amount after the occurrence of the transaction. The gratuity component is associated with a timeframe that defines a time period for which the customer may submit the gratuity amount. The time period can range from a limited time period to an unlimited time period. | 05-14-2015 |
20150134440 | System And Method For Managing The Consumption Of Power Generated From Renewable And Environmentally Friendly Sources - The present system manages the consumption of ‘green’ energy introduced into a power distribution network together with the energy obtained from other sources, distributed to predetermined delivery points. The green energy is associated to RECS certificates of origin, whose economic value is proportioned to the energy production. The power distribution network includes at least one consumption counter for computing the total energy consumption in a plant. At least one server is associated with the power distribution network for managing electronic data in one or more communication networks. A collecting device collects credits related to the RECS certificates and a partializer partializes the credits on the basis of purchase orders received from green energy consumers. The current amount of credits purchased by the user is stored, with a deduction from the amount for the part of the credits based on the energy consumption that the user will derive from green sources. | 05-14-2015 |
20150142550 | SYSTEMS AND METHODS FOR AGGREGATING CONSUMER ACTIVITY IN A REWARDS PROGRAM - A computer-implemented method for aggregating consumer activity in a loyalty reward program is described. The method implemented using a computing device in communication with a memory. The method includes storing, in the memory, at least one reward offer containing a reward and an activity threshold, receiving registration data from a plurality of registered consumers for the at least one reward offer, storing, in the memory, the registration data for each of the plurality of registered consumers, monitoring financial transaction data for at least one qualifying activity completed by at least one of the plurality of registered consumers, compiling, by the computing device, a total number of qualifying activities completed by all of the registered consumers, and sending the reward to each of the registered consumers when the activity threshold is reached by the total number of qualifying activities. | 05-21-2015 |
20150149270 | Trusted Internal Interface - An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application. | 05-28-2015 |
20150294342 | Platform for Providing Customizable Brand Experiences - A computer-implemented method provides customizable brand experiences. The method includes providing a server coupled to a storage system and coupled to a network. The storage system stores end-user data, associated with a first plurality of brands, and a second plurality of end-users. Additionally the method includes operating the sever to run a plurality of modules, each module associated with at least one of the brands and customized to provide an outcome message as an output, conditioned on a change in end-user data from one state to another state, wherein the change from the one state to the other state is further conditioned on receipt by the server of a programmable pattern of a set of trigger messages. Finally, the method includes making the outcome message available over the network to an outcome destination client. | 10-15-2015 |
20150294343 | SYSTEM AND METHOD FOR PROVIDING PRIVILEGED SERVICES TO PREFERRED CUSTOMERS - A method and system for providing privileged services to preferred customers are disclosed. The method includes collecting a plurality of activities performed by one or more customers in an online mode and/or offline mode, evaluating the plurality of activities performed by one or more customers for building a customer profile, identifying one or more merchants and one or merchant services and one or more merchant offerings analogous to the customer profile to prepare a list of preferred customers among the one or more customers, providing the list of preferred customers to the one or merchants for enabling the one or more merchants to provide privileged services, and providing a list of one or more merchants offering the privileged services to preferred customers for receiving privileged services. | 10-15-2015 |
20150302453 | SYSTEMS AND METHODS FOR LOYALTY PROGRAMS - Methods, devices and media for a pre-enrollment registration system are described. The method includes: receiving signals representing pre-enrollment data, the pre-enrollment data including profile information associated with at least one prospective member; generating, with the at least one processor, a registration identifier for each of the at least one prospective members; storing each of the registration identifiers in association with the respective prospective member profile information; receiving, at the at least one processor, signals representing a registration request including the registration identifier associated with a requesting prospective member; generating, with the at least one processor, signals for displaying an interface, the interface including a plurality of profile fields, wherein at least one of the profile fields are pre-populated with at least a portion of the profile information associated with the requesting prospective member; and receiving signals for modifying or confirming the pre-populated profile fields. | 10-22-2015 |
20150310433 | INTERNET CURRENCY AND A SYSTEM AND METHOD FOR ONLINE INTERNET CURRENCY TRANSACTIONS - The various embodiments herein provide a system and a method for online internet currency transactions. The system and method includes a Central Internet Bank (CIB) created at World Wide Web (WWW) level. A network is provided in electronic communication with the CIB. A plurality of account holding entities are registered with the CIB. A plurality of online service providers is associated with each account holding entity. An Internet Credit Rating Agency (ICRA) is associated with the account holding entities. The CIB issues and holds Binary Credit Bits (BCB) of the account holding entities and authenticates online transactions between at least two account holding entities in real time and authenticates online transactions between at least one account holding entity and at least one online service provider in real time. | 10-29-2015 |
20150310476 | System and method for attention based currency - A system and method is disclosed of attention based cryptocurrency. Currency is generated or “mined” by a user listening, in one embodiment, to a streamed song, and upon listening to the entire selection, the user, the song artist and the streaming host server are each allocated a portion of Attention Based Currency (ABC) according to a formula which may vary based upon several factors, including the popularity of the selection, the number of simultaneous listeners and the number of times the song has been streamed. The formula chosen can promote listening to lesser known artists. The ABC can be traded or redeemed for products or services. | 10-29-2015 |
20150310477 | Systems and methods for enrolling consumers in a program - Described are methods, systems, and computer readable media for enrolling consumers and payment cards in a program. An exemplary method comprises communicably linking, using an application program interface, a computer terminal and a computer server; determining, using the application program interface in communication with the computer terminal, execution of a purchase transaction using a payment card; determining, using the application program interface in communication with the computer server, whether the payment card is enrolled in a program; in response to determining the payment card is not enrolled in the program, determining, using the application program interface in communication with the computer server, whether to offer an enrollment option to a consumer associated with the payment card; and offering, using the application program interface in communication with the computer server, the enrollment option to the consumer. | 10-29-2015 |
20150317664 | MULTIPLE CRM LOYALTY INTERFACE FRAMEWORK - A system and method for providing a customer loyalty framework for a customer relationship management (CRM) system. The framework includes an internal CRM system, an internal loyalty system and an internal enterprise resource planning (ERP) system. The internal CRM system has a CRM repository storing CRM data and the internal loyalty system has a loyalty repository storing loyalty data for one or more customers enrolled in a company loyalty program. The internal CRM system stores business logic that is executable by the internal loyalty system, the internal CRM system, and/or the internal ERP system to execute the company loyalty program. The system further includes an external CRM system connected with the internal network by an external communication network. The external CRM system generates a web user interface for receiving customer transaction data, and transmitting the customer transaction data via the external communication network to the internal network for processing by the internal CRM system, the internal loyalty system and an the internal ERP system according to the business logic. | 11-05-2015 |
20150317665 | Credit Card Reward Program Incorporating Investing in Precious Metals - In a credit card reward program incorporating investment in precious metals, a credit card holder is provided with a credit card account and a precious metals account. The precious metals account contains balances of one or more precious metals. Cash is accumulated from activity on the credit card account at a reward rate, and may be increased by rounding up transactions on the credit card account and crediting the round-up funds to the total. Periodically, for example monthly, precious metals in proportion to a designated basket are purchased using the cash balance and the metals are added to the balances of metals in the precious metals account. Precious metals may be exchanged for fabricated products in fabrication transactions. Additionally, a precious metal protection program transaction may be provided whereby, for a fee, a price cap may be obtained for the duration of a program period. | 11-05-2015 |
20150317666 | COLLABORATIVE REWARD SYSTEM - An advertisement that includes a discount percentage value is received from an advertiser and converted to an ad point value. An indication of a redemption of the advertisement by a shopper is received. A first quantity of earned ad points is provided to the shopper and a second quantity of earned ad points is provided to the advertiser based on the indication of the redemption of the advertisement and on the ad point value of the advertisement. The shopper and the advertiser are associated with first and second reward distribution grids, respectively based on the first and second quantities of earned ad points, respectively. The shopper and advertiser are rewarded with first and second quantities of reward currency, respectively, based on the first and second reward distribution grids, respectively, and on the first and second quantities of earned ad points, respectively. | 11-05-2015 |
20150324829 | SYSTEMS AND METHODS FOR OPERATING A LOYALTY PLATFORM FOR GAMES AND INTERNET-CONNECTED APPLICATIONS - Systems and methods for operating a loyalty platform for Internet-connected applications that may be utilized on a plurality of hardware platforms are provided. These systems may include a points, status and rewards administration center communicating with one or more Internet-connected applications. Users may be presented with opportunities to earn modifiers that may drive specific user behavior in an Internet-connected application, including but not limited to influencing the user to purchase items within the Internet-connected application, increase his/her usage of the Internet-connected application, or complete certain activities within the Internet-connected application. The system's administration center may maintain information on users' behaviors, points, rewards and status across a plurality of Internet-connected applications that may be synced with the system and, based on a system of predictive analytics, may automatically present incentive recommendations to the developer of each Internet-connected application for one or more users. | 11-12-2015 |
20150324830 | REWARDS CARD RECOMMENDATION TOOL - Embodiments of the present invention provide apparatuses and methods that present reward accounts to users in order to help the users determine which reward accounts meet the spending habits of the users. In some embodiments the reward accounts may be credit cards, debits cards, other types of account cards, offer cards that can be used along with various payments methods, savings accounts, checking accounts, lines of credit, or any other like account that may be used for user expenses. Embodiments of the invention provide a reward account recommendation tool that may be utilized in a number of different ways to help users of reward accounts determine which reward accounts the users should utilize based on the user's expenses for various categories. | 11-12-2015 |
20150324833 | Commerce System and Method of Providing Manufacturer Agents for Managing Sales and Purchasing Decisions - A commerce system is controlled by a shopping agent and a manufacturer agent. A retailer provides the manufacturer agent. An intent to buy is generated using a camera of a mobile device. The intent to buy is received with the shopping agent. The intent to buy is transmitted to the manufacturer agent. The intent to buy is read from the manufacturer agent using an application programming interface. A negotiation is performed between the shopping agent and manufacturer agent to generate a personalized offer for a specific product satisfying the intent to buy. The specific product is selected from a consideration set. The specific product is purchased at the retailer. The personalized offer is redeemed by scanning a loyalty card at a point-of-sale station of the retailer. A commission is paid to the retailer to load the personalized offer on the loyalty card. | 11-12-2015 |
20150324834 | SYSTEM AND METHOD FOR CARD LINKED REWARD EXCHANGE ACCOUNT - A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from the reward servers and credits the accumulated rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access. | 11-12-2015 |
20150324863 | ADVERTISING WITH INTERACTIONS BETWEEN A USER AND AN ADVERTISED SUBJECT MATTER - Methods, devices, and computer program products for creating and presenting interactive advertisements are described herein. An interactive advertisement comprising one or more requested interactions may be created and presented to a user. An interaction may be, for example, capturing an image of a product, saying a brand name, visiting a location, or the like. The user may provide input responsive to the requested interaction, and the input may be validated. If the user successfully completes the requested interaction, the user may receive a reward or other compensation. Aspects of the methods, devices, and computer program products, such as interactive advertisements, requested interaction types, and compensation for completing a requested interaction, may be controlled or targeted based on user or advertiser preference. In some aspects, the interactive advertisement may be created by an advertiser or by an operator of an interactive advertising platform using a specially-programmed computing device. | 11-12-2015 |
20150324884 | Virtual Marketplace Enabling Machine-to-Machine Commerce - A commerce system has a virtual marketplace. A personal shopping agent is connected to the virtual marketplace. A sales agent is connected to the virtual marketplace. An intent to buy is received through the personal shopping agent. The intent to buy is satisfied with a product selected by a negotiation between the personal shopping agent and the sales agent. A consideration set is provided. The intent to buy is satisfied with a product from the consideration set. An API is provided for connecting to the sales agent. A retailer or manufacturer control system is connected to the sales agent through the API. The control system controls the negotiation using the control system. Configuration data is received through the personal shopping agent. The product is selected to satisfy the configuration data. A database including transactional log data is used during the negotiation. | 11-12-2015 |
20150332304 | System And Method For The Distribution Of Software Products - A system and method for selling software products over a network. The system includes a server computer with access to software products. The system is configured to allow a user to purchase a subscription for the periodic acquisition of selected software products. In one embodiment, as part of the subscription, the user pays an amount during selected billing intervals. In return, the system issues to the user a number of credits for downloading at no additional charge at least one of the software products during a credit interval, which may be equal in length to the billing interval. In one embodiment, the system debits a number of credits in response to fulfilling a user's purchase request. The system may be also configured to deduct credits that are not used within selected credit intervals. | 11-19-2015 |
20150348016 | Providing Customer Identification With Payment Information - Transmitting customer identifications comprises a digital wallet of a user and a wireless payment instrument. A digital wallet application receives a customer identification from a digital wallet system hosting a customer account. The application receives an input from a user into a user interface of a user computing device, the input instructing the user computing device to transmit the customer identification to a payment instrument. The application instructs the user to position the payment instrument in proximity of the user computing device and initiates a wireless communication with the payment instrument and requests payment instrument data from the payment instrument. The application verifies the payment instrument data based on the payment instrument data and communicates the customer identification to the payment instrument and instructions to provide the customer identification to a merchant system point of sale system when providing payment instrument data to the merchant system point of sale terminal. | 12-03-2015 |
20150348081 | SYSTEM AND METHOD FOR MANAGING DEPOSIT ACCOUNT REWARDS BASED ON CUSTOMIZABLE PAYMENT CARD TRANSACTION DETAILS - The present disclosure is related to a method for a reward system. The method includes receiving, at a server, a card processor file containing transaction details for a transaction. The method also includes matching the transaction details to deposit account information to identify a deposit account holder. The method also includes identifying a share beneficiary from the deposit account information. The method also includes determining whether the verification type is a personal identification number (PIN) or a signature. The method also includes issuing a reward amount based on the verification type to the share beneficiary. The method also includes creating a depository file designating the reward amount to the share beneficiary in a format that is importable by a depository financial institution (DFI). | 12-03-2015 |
20150348082 | MESSAGING SYSTEM FOR DELIVERING MESSAGES IN PORTIONS - A messaging system is provided. The messaging system includes a plurality of client devices, and a server arrangement coupled in communication with the plurality of client devices. The server arrangement is operable to receive, from a first client device, a message to be delivered to a second client device. The server arrangement is then operable to send, to the second client device, a request message requesting a user associated with the second client device to perform a predetermined trigger event. Subsequently, the server arrangement is operable to deliver at least a portion of the message to the second client device, when the user associated with the second client device performs the predetermined trigger event. | 12-03-2015 |
20150348084 | SYSTEM AND METHOD FOR AUTOMATICALLY DONATING PAYMENT CARD POINTS - The present invention is a system and method for automatically transferring rewards earned from purchase transactions made using a rewards purchase card to organizations selected by the cardholder of the purchase card. Embodiments of the invention may be preconfigured by a third party or configured by the cardholder to allocate rewards to one or more organizations and also to the cardholder. | 12-03-2015 |
20150356590 | COMMODITY CREDITS FOR SOFTWARE APPLICATION USERS ASSOCIATED WITH SERVICES AND PRODUCTS - Methods and systems are described herein related to relating commodity credits with software applications based on users usage of service and products. Users are identified and associated with software applications, such as online games. Users are also associated with services and/or goods used by the users. Credits are provided to the users based on their use/purchase services/goods. The credits are applied to the software applications. | 12-10-2015 |
20150356591 | System For Individualized Customer Interaction - A method and system for using individualized customer models when operating a retail establishment is provided. The individualized customer models may be generated using statistical analysis of transaction data for the customer, thereby generating sub-models and attributes tailored to customer. The individualized customer models may be used in any aspect of a retail establishment's operations, ranging from supply chain management issues, inventory control, promotion planning (such as selecting parameters for a promotion or simulating results of a promotion), to customer interaction (such as providing a shopping list or providing individualized promotions). | 12-10-2015 |
20150356629 | MULTI-CHANNEL INFORMATION DISTRIBUTION PLATFORM - Embodiments are directed to providing targeted messages using a plurality of communication channels and to providing targeted messages to mobile devices. In one scenario, a computer system instantiates a multi-channel communication service that is configured to provide different targeted messages using multiple different communication channels. The computer system further determines that a targeted message is to be provided to a specified user through a first communication channel, and provides the targeted message through the first communication channel. The computer system also determines that the targeted message is to be provided to the specified user through a second, additional communication channel, and provides the targeted message through the second, different communication channel. The messages may include any type of content including text, pictures, videos, links or other content. | 12-10-2015 |
20150363814 | System and method for financial card with integrated offer receipt and reward acceptance associated therewith - A method and system for generating and providing a pre-paid, debit or credit card or other financial instrument card with integrated and associated financial offer receipt, merchant-funded offer, rewards, incentives for consumers to do certain activities for a merchant or manufacturer such as follow them on social media channels and reward acceptance aggregation capabilities associated therewith. The pre-paid, debit or credit card or other financial instrument card may be provided with a financial offer, discount or other benefit in relation to a particular purchase or a general offer, discount or other benefit from a merchant or merchants and may be employed to effectuate the purchase and accept both the benefit of the financial offer or discount and further accept and aggregate additional rewards. The incentive or benefit may also be for an action that they conduct or as an incentive to follow social media or other social interactive forums, gaming type rewards, gaming to win rewards; and additional offers or offer upgrades as they spend at merchants or elsewhere. | 12-17-2015 |
20150363815 | COMMUNICATION OF REWARD DATA BETWEEN APPLICATIONS - There is provided a scheme of communicating reward data from a first application running on a data processing device ( | 12-17-2015 |
20150363833 | SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS - A method comprises receiving, by a computer-based system for processing a transaction, a notification that a transaction account holder has taken an action, taking, in near real time, an action in response to the action taken by the transaction account holder, and/or communicating with a web-client associated with the transaction account holder in response to the action taken by the transaction account holder. The communicating with the web-client may occur in near real time. | 12-17-2015 |
20150379549 | SYSTEMS AND METHODS FOR ELECTRONIC INK COUPONS AND LOYALTY CARDS - Systems and methods are provided for electronic ink coupon and rewards card displays. An electronic ink device having an electronic ink display may be provided in the form of a keychain, a card, or other wearable device that is adapted to display store coupon and/or rewards card information for scanning at checkout. Coupons and store loyalty or rewards cards can be loaded onto a user's mobile device and pushed to the electronic ink device either before shopping at a particular store or while at the particular store. Coupons or rewards cards may be selectable with the electronic ink device and/or may be pushed to the electronic ink device in response to beacon communications at the store that notifies the user's mobile device or the electronic ink device of the store at which the device is located. | 12-31-2015 |
20160005067 | IDENTIFYING PRODUCTS OF INTEREST BASED ON A USER PROFILE - Systems and methods for providing a loyalty and rewards system that implements a user incentive program using smart card technology are provided. A loyalty system allows a user to systematically search, identify, store, and redeem electronic coupons and rebates associated with products from a large number of providers and manufactures. The loyalty system also integrates the activities associated with the user incentive program (e.g., coupon collection, storage, and redemption, etc.), with existing payment methods (e.g., charging a credit card, etc.) using smart card technology. Thus, the loyalty system allows the user to obtain savings and otherwise participate in the user incentive program without adding time consuming and tedious processing that is normally associated with coupon and rebate programs. | 01-07-2016 |
20160012468 | PRODUCT-CLASS-BASED INCENTIVIZED TRANSACTION | 01-14-2016 |
20160012469 | PRODUCT-CLASS-BASED INCENTIVIZED TRANSACTION | 01-14-2016 |
20160027034 | SYSTEMS AND METHODS OF USING A COMMUNICATION NETWORK TO COORDINATE PROCESSING AMONG A PLURALITY OF SEPARATE COMPUTING SYSTEMS - A communication portal coupled with a processing system and a host having a first resource. The processing system has a second resource addressable by a terminal using a predetermined communication protocol. The communication portal receives a first communication from a terminal identifying the first resource. In response, the communication portal identifies the second resource, stores a data record associating the first resource and the second resource, and provides a response to the first communication to identify the second resource. The terminal then uses the communication protocol adapted for the second resource as a way to request an operation on the first resource. The portal communicates with the processing system to identify a request for an operation on the second resource and in response, communicates with the host to perform a second operation on the first resource based on the stored data record associating the first resource and the second resource. | 01-28-2016 |
20160034910 | DATA PROCESSING OF CARBON OFFSETS FOR ENTITIES - Disclosed are various embodiments for performing data processing to identify an entity to offset carbon credits. A geolocation of a client device performing a transaction where an item is purchased is determined. At least one entity is identified from a plurality of potential entities from a data store based at least in part on the geolocation of the client device. An amount of carbon credits required to offset an amount of greenhouse gas emissions that has been or will be produced in association with the item is determined. If the transaction is to include a purchase for the amount of carbon credits, information associated with the transaction is communicated to the entity over a network. | 02-04-2016 |
20160048864 | THIRD PARTY DIGITAL WALLET PAY WITH POINTS - A system, method and computer program product for redemptions of reward points to purchase goods and services offered by a third-party digital wallet or merchant aggregator. A single integration with a merchant aggregator enables cross-merchant functionality. This system, method and computer program may allow certain transaction account holders to directly pay with their loyalty points (“points”) in any third party digital wallet. Utilizing the system, transaction account holders may earn one or more point for virtually every dollar charged on eligible, enrolled transaction account and then redeem their points for a wide array of rewards, including retail merchandise or travel. | 02-18-2016 |
20160048895 | Virtual Marketplace Enabling Machine-to-Machine Commerce - A commerce system has a virtual marketplace. A personal shopping agent is connected to the virtual marketplace. A sales agent is connected to the virtual marketplace. An intent to buy is received through the personal shopping agent. The intent to buy is satisfied with a product selected by a negotiation between the personal shopping agent and the sales agent. A consideration set is provided. The intent to buy is satisfied with a product from the consideration set. An API is provided for connecting to the sales agent. A retailer or manufacturer control system is connected to the sales agent through the API. The control system controls the negotiation using the control system. Configuration data is received through the personal shopping agent. The product is selected to satisfy the configuration data. A database including transactional log data is used during the negotiation. | 02-18-2016 |
20160055516 | Systems and Methods for Using Indicia of Membership as a Partial Authorization in a Transaction - In accordance with some embodiments of the present invention, aspects may include systems and methods of using a membership card to obtain, benefits in a purchase transaction for goods or services. The method may include steps such as receiving at a central processor a communication from a point of sale including one or more identifiers of goods or services selected in the purchase transaction and information identifying the membership card, including at least a portion of the indicia; determining by the central processor potential benefits, if any, associated with, the membership card; determining by the central processor if any potential benefits are applicable to the merchant, the point of sale, or the one or more goods or services identified by the received identifiers; determining a transaction benefit amount applicable to the transaction; and sending to the point of sale a partial authorization in the amount of the transaction benefit amount. | 02-25-2016 |
20160063646 | System and Method for Controlling Access to Member Content in a Dating Website - The dating website disclosed can comprise a server memory and a server processor. The server memory can store a dating website and a plurality of profiles. The profiles can comprise standard profile data, premium profile data having purchasable content and non-purchasable content, and a permission status. The server processor can, according to instructions from the dating website provide access to the standard profile data within the profiles of the dating website. The server processor can further offer for sale access to each of the purchasable content, each of the purchasable content comprising a content identifier. The processor can store the content identifier on the permission status of a purchaser's profile when the member buys the purchasable content of a second member. The server processor can provide access to the purchasable content associated with the content identifier within the permission status to the member associated with the permission status. | 03-03-2016 |
20160071140 | SYSTEMS AND METHODS FOR MANAGING LOYALTY REWARD PROGRAMS - A system or a method is provided to manage a user's loyalty programs. In particular, the system may retrieve information from each of the user's loyalty programs to identify available loyalty programs for a given purchase. The system may infer or predict the user's future purchases. A comparison of different loyalty programs for a given purchase may be implemented in view of the user's future purchases. One or more loyalty programs that provide the user with good reward options based on the user's future purchases may be suggested to the user for certain purchases. In particular, loyalty programs that provide top reward values may be suggested to the user. | 03-10-2016 |
20160071157 | METHOD AND APPARATUS FOR PROVIDING CONTENT IN A COMMUNICATION SYSTEM - Aspects of the subject disclosure may include, for example, a device including a memory and a processor for performing operations including accessing a user persona comprising a plurality of attributes and a plurality of content preferences of a user of a communication device, presenting at an interactive site a plurality of content suggestions that are generated according to the user persona, receiving a content selection from a presentation of the plurality of content suggestions at the interactive site, and updating the plurality of content preferences of the user persona according to the content selection. Other embodiments are disclosed. | 03-10-2016 |
20160078465 | SYSTEMS AND METHODS FOR ENABLING SELECTION OF AVAILABLE CONTENT BASED ON REWARDS - A device for enabling content selection is configured to present a graphical user interface enabling a user to earn reward points. The device is configured to present a graphical user interface enabling a user to redeem reward points. In one example, a graphical user interface enabling a user to earn reward points may include one or more cards associated with an item of content and each card may include a point value and an associated action required to earn the point value. In one example, a graphical user interface including one or more cards associated with a reward may include one or more cards associated with a reward and each card may include a point value required for a reward, a total number of available points, and a number of additional points required to receive the reward. | 03-17-2016 |
20160086146 | SHELF LIFE EXPIRATION DATE MANAGEMENT - Embodiments of the present invention provide a method, system and computer program product for shelf life expiration date management for smart refrigerators. In an embodiment of the invention, a method for shelf life expiration date management for smart refrigerators is provided. The method includes identifying a consumer during a point of sale transaction for purchasing different food items by a point of sale computer system, for example by scanning a bar code or reading a magnetic strip of a loyalty program card or reading a radio frequency identification (RFID) dongle. A list of the different food items can be provided to the smart refrigerator, for example from storage in the loyalty program card or RFID dongle, or as transmitted from the point of sale computer system to the smart refrigerator over a computer communications network. Finally, expiration dates can be determined for the food items in the list and stored in the smart refrigerator. | 03-24-2016 |
20160086212 | SYSTEMS AND METHODS FOR LOYALTY PROGRAMS - Systems, methods, devices and computer-readable media for generating incentives for a loyalty system are described. A method includes: receiving, at at least one processor, data reflective of transactions conducted by a plurality of customers; processing, at the at least one processor, the data to determine a set of attributes for each of the plurality of customers; classifying, at the at least one processor, each of the plurality of customers according to at least one of a plurality of customer groups based on the determined set of attributes; and generating, at the at least one processor, an incentive targeting customers in at least one of the plurality of customer groups. | 03-24-2016 |
20160092903 | SYSTEMS AND METHODS FOR CREATING A CONSUMER ENVIRONMENTALLY AWARE PRODUCT - A method for incentivizing ecological awareness is disclosed. The method includes providing a consumer device; marking the consumer device with a unique identifier; and linking the unique identifier to an environmental asset. | 03-31-2016 |
20160092904 | System and Method for a Loyalty Network - In one aspect, there is provided a computer-implemented loyalty commerce network for facilitating generation of an application via an application computing device for communicating with loyalty programs via corresponding loyalty program computing devices, the network comprising: an application programming interface for receiving a request for generating said application and for generating said application based on said request and pre-defined templates associated with at least one of said loyalty programs; a loyalty program interface configured for communicating between the loyalty commerce network and said at least one loyalty program, said loyalty program interface for redirecting said request to said loyalty program; said loyalty program interface for defining a plurality of pre-defined criteria for validating said application; and, a loyalty server processor for processing said request and for validating said application in dependence upon said criteria being met. | 03-31-2016 |
20160098742 | Geofencing system for obtaining personal location and preference data and automatic distribution of consumer specific data, benefits and incentives based on variable factor matrix determinations - A geo-fencing marketing system and method for the acquisition of personal data via location specific data entry and associated non-transitory computer-readable storage media having computer-executable instructions embodied thereon situated within a business environment to secure customer data for use in SMS/text location specific marketing campaigns and to permit automation of personalized marketing, benefits and incentives to customers as a function of specific customer preference data, historical activities and variable factor matrix determinations. The system and method further provide auto-feedback updating to modify the variable factor matrix. | 04-07-2016 |
20160098743 | POINT OF SALE SYSTEM AND METHOD - A point of sale system comprises at least one point of sale terminal arranged to receive an identifier for identifying customer account information associated with a customer and for identifying a first set of products and determining a first price for the first set of products. The point of sale system is further arranged to identify a second set of products based on the first set of products and determine a second price for the second set of products, determine a quantity of reward points in dependence upon the determined first and second prices, and to modify the identified customer account information based on the determined quantity of reward points. | 04-07-2016 |
20160104186 | METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR PROVIDING INFLIGHT BENEFITS VIA PURCHASE CARD TRANSACTIONS - Methods, systems, and computer readable media for providing inflight benefits via purchase card transactions are disclosed. An exemplary method includes at an airline perk management module (APMM), receiving an indication that an airline ticket is purchased using a loyalty card corresponding to a passenger enrolled in an airline perk program, identifying at least one airline perk associated with an aircraft seat assignment corresponding to the purchased airline ticket, and notifying an inflight service provider to deliver, inflight, the at least one identified airline perk to a passenger having the aircraft seat assignment. An exemplary system includes at least one processor and memory, whereby APMM utilizes the at least one processor and the memory to notify a merchant airline to deliver the at least one airline perk to a passenger having a seat assignment on an airline, the airline ticket for the seat assignment being purchased using a loyalty card. | 04-14-2016 |
20160110064 | SYSTEM AND METHOD FOR FACILITATING CO-PLAY AND DOWNLOAD OF ARTIST SPECIFIC CLIENT APPLICATIONS VIA USER-PROVIDED PLAYLISTS - The disclosure relates to systems and methods for facilitating co-play and download of artist specific client applications via user-provided playlists that includes songs playable only through a respective artist specific client application. A playlist may include songs from a plurality of different artist specific applications. A given artist specific application may be created and branded for a particular artist, whose music may be playable only through a corresponding artist specific application. Because a given song may only be played/accessed from a corresponding artist specific application, a playlist that includes songs from different artist specific applications may cause artist specific applications to be activated (e.g., opened, placed in the foreground, etc.) when a song included therein is next in line to be played. Artist specific applications that have already played a song in the playlist may be de-activated (e.g., closed, placed in the background, etc.). | 04-21-2016 |
20160110694 | RETAIL CARD APPLICATION - An application platform configurable for processing a plurality of retail-branded credit cards is provided. Embodiments include a configurable front end comprising a graphical user interface layer that is configurable to a specific one of a plurality of retail-branded credit cards, a backend layer comprising credit card functionality for directly performing credit card transactions associated with a specific one of the plurality of retail-branded credit cards and a location service coupled with said front end and coupled with said backend for determining location information associated with a user of said specific one of said plurality of retail-branded credit cards. | 04-21-2016 |
20160110752 | METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR PROVIDING BENEFITS TO LOYALTY CARDHOLDERS VIA LOYALTY CARD TRANSACTIONS - Methods, systems, and computer readable media for providing benefits to loyalty cardholders via loyalty card transactions are disclosed. In one example, the method includes receiving, by a loyalty program module, a message indicating that a loyalty card transaction has been initiated at a participating merchant site using a loyalty card associated with a cardholder account, wherein the cardholder account is enrolled in a loyalty benefit program managed via the loyalty program module, determining a loyalty level assigned to the cardholder account using information regarding the loyalty card transaction contained in the message, and utilizing the loyalty level assigned to the cardholder account to determine at least one merchant-specific differentiated benefit to be provided to a holder of the loyalty card, wherein each loyalty level includes at least one merchant-specific differentiated benefit designated by the participating partner merchant. | 04-21-2016 |
20160125445 | INTEGRATED INTERNET BANKING SYSTEM AND METHOD OF USE - As part of an integrated banking platform, an internet banking platform includes a banking server, a processor, and a memory module. The memory module includes stored computer program code. The memory module, the stored computer program code, and the processor are configured to cause the banking server to receive access to a rewards program server associated with a rewards account platform. Further, the server is caused to receive enrollment information associated with a user, and to connect to the rewards program server. The server is also caused to transmit an enrollment request message to the rewards program server. The enrollment request message includes at least a subset of the enrollment information. Additionally, the server is caused to receive an enrollment response message that indicates whether the user has been enrolled in a rewards account maintained by the rewards account platform. | 05-05-2016 |
20160125446 | SYSTEM AND METHOD FOR MOTIVATING CONSUMERS TO MAKE HEALTHIER PURCHASE DECISIONS - A system and method for executing a rewards and loyalty program are disclosed. The system receives a food order from a user and determines a food density of food items in the food order. Further, the system retrieves a user profile and user preferences associated with the user. Thereafter, a healthy food item is recommended to the user along with reward points associated with the healthy food item based on the user profile and the user preferences. | 05-05-2016 |
20160125447 | ADMINISTERING REWARD SCHEMES - Administering reward schemes. A first reward scheme is predefined by a computer system, the first reward scheme defining a first reward event. A second reward scheme is obtained externally by the computer system, the second reward scheme defining a second reward event. In response to an action by a user, the computer system determines whether the first reward event or the second reward event has been triggered. If the first reward event has been triggered, the computer system calculates a first reward for the user according the first reward scheme and if the second reward event has been triggered, the computer system calculates a second reward for the user according the second reward scheme. The second reward scheme may be obtained by, and shared to, the computer system as an inheritance of rules within an organization. | 05-05-2016 |
20160125448 | System for Incentivizing Customer Loyalty Using Monthly and Annual Awards - Customer loyalty to a retailer is incentivized using awards. Customers are incentivized to shop at a particular retail store by offering awards such as coupons or points redeemable for coupons to customers that have visited the retail store during a specified time period. A drawing or lottery can be used to select one or more winners of an award for each specified time period. Awards can be transmitted to a customer's mobile phone where the customer can redeem them upon purchasing a product. | 05-05-2016 |
20160125458 | VALUE-ADDED SERVICES DATA AND PROTOCOL AND TRANSACTIONS INVOLVING VEHICLE SPECIFIC DATA - A method for enabling a value-added transaction involving a vehicle and a merchant via a mobile device is disclosed. Merchant information may be broadcasted from a merchant terminal. Vehicle specific data may be received at the merchant terminal identifying the vehicle in response to the broadcasted merchant information. Transaction data may be provided to the mobile device to initiate an intended transaction. Payment data may be received from the mobile device at the merchant terminal in response to the provided transaction data. Before completing the intended transaction, a value-added transaction offer may be provided to the mobile device. In response to the provided value-added transaction offer, an acceptance of the value-added transaction offer may be received. The intended transaction and the value-added transaction offer may be completed as a single transaction. | 05-05-2016 |
20160132918 | ONE-TAP SIGN UP FOR MERCHANT LOYALTY PROGRAMS - Automatic processing and registering for merchant loyalty reward programs initiated by a single tap of a contactless device to a terminal reader. A user taps the contactless device in the terminal reader's radio frequency field. The terminal reader and the contactless device establish a communication channel and the terminal reader transmits details of the merchant's loyalty rewards program and a request for user information. The contactless device receives the request and accesses the user's stored information. The contactless device transmits the user information to the terminal reader and a new merchant loyalty account is created for the user. Acknowledgement of the new account, including a new loyalty account number, is transmitted to the contactless device. The loyalty account number is then saved in the contactless device. | 05-12-2016 |
20160132919 | Providing Interface to Allow Users to Request Custom Awards - An interface is created to allow users to request custom awards. The interface can allow a company to seamlessly incorporate functionality into its website or other user interface that will allow a user to request a custom award once an accomplishment (or recognition moment) is reached. In this way, a company can provide users with the option of deciding whether to request an award. | 05-12-2016 |
20160132955 | CONTEXTUAL ECOMMERCE SHOPPING CART ADJUSTMENT - The present disclosure describes methods, systems, and computer program products for providing contextual ecommerce shopping cart adjustments. One computer-implemented method includes receiving, from a partner application, a cart adjustment request. Zero or more available adjustments applicable to a cart of a user using the partner application for checkout are sent to the partner application. An execution request is received from a partner service server to execute an activated adjustment and a cart adjustment token identifying the activated adjustment to the cart of the user and a payment adjustment determined based on the activated adjustment to the cart of the user is sent to the partner service server. A finalization request for finalizing the activated adjustment is received from the partner service server and the activated adjustment to the cart of the user is finalized. | 05-12-2016 |
20160140541 | AUTOMATICALLY COMMUNICATING USER DEVICE DATA TO A TRANSACTION COMPUTING SYSTEM - Automatically communicating information related to a user computing device from a central computing system to a transaction computing system prior to initiation of a transaction between the user computing device and the transaction computing system comprises a digital wallet application and a central computing system. A digital wallet application receives a beacon signal from a transaction computing system indicating the specific identification of the terminal with which the user intends to conduct a transaction. The user computing device communicates the terminal identification to the central computing system. The central computing system communicates customer data, such as loyalty information and offers, to the transaction computing system associated with the terminal. The transaction computing system communicates the customer data to the terminal. When the user taps the user computing device to initiate the transaction, the terminal provides any benefits associated with the customer data. | 05-19-2016 |
20160140596 | RANDOMIZED REWARD SYSTEM FOR STORED VALUE TRANSACTIONS - A transaction parameter date set comprising input variables characterizing the transaction conditions are collected when an electronic payment is initiated on an electronic payment system. The collected transaction input variables are used to calculate an expected future transaction value using a decision function. The expected future transaction value identifies high utility transaction based on a comparison of the expected future transaction value to a threshold value established while training the decision function on a training data set of known outcome. A high utility transaction can include behavior that if rewarded is likely to retain current users or grow the electronic payment system network by adding new users. If the expected future transaction value exceeds the threshold value the sender of the electronic payment is rewarded by the system. | 05-19-2016 |
20160140597 | SERVICE PROVIDER TERMINAL AND METHODS OF OPERATING A SERVICE PROVIDER TERMINAL - Described herein are service provider terminals and methods of operating service provider terminals. The service provider terminals include a member ID input module for receiving data indicative of a user member ID associated with a loyalty program, wherein the user accumulates a plurality of member points through performing one or more point earning activities offered by the loyalty program. The service provider terminals further include a service provider input module for receiving data indicative of a user service provider ID associated with a service account. Furthermore, the service provider terminals include a computation module for reducing the member points by a predetermined number of points. | 05-19-2016 |
20160140598 | Opt in System and Method - A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium. | 05-19-2016 |
20160148242 | AUTOMATIC GENERATION OF PERSONALIZED REWARD POINTS - A set of current and historical electronic activity data are received from a customer. The activity data corresponds to the customer's interaction with an electronic product entry within a store. One or more electronic activities can be associated with one or more predetermined seller objectives. The seller's objectives are based on maximizing financial profit and minimizing cost of reward distribution. A reward score value is assigned to a customer based on an association between one or more of the customer's electronic activities and one or more of the predetermined seller objectives. A reward is selected based on the reward score wherein the rewards are also associated with one or more of the predetermined seller objectives, also based on the reward score value. The selected reward associated with the calculated reward score is communicated to the customer. | 05-26-2016 |
20160162926 | Merchandising Promotional Incentives to a Customer at the Point of Sale Through Use of a Dynamic Authetication Code - One or more prizes are awarded through use of an electronic card that uses a predictive algorithm residing in its electronic memory to award the prize(s) in response to a winning transaction involving the electronic card and, once a winning transaction occurs, generates a dynamic authentication code (“DAC”) to securely inform an issuing entity about the prize and the winning transaction. The predictive algorithm awards prizes according to prize schedules such that a given prize is won within a given number of transactions (and each such transaction involves sending a DAC to an issuing entity), insures that a gap between two successive winning transactions is between a minimum gap and a maximum gap and each of multiple prizes is won within its own given number of transactions schedule while maintaining the minimum gap and the maximum gap between successive winning transactions, and insures that a given prize can only be awarded a maximum number of times during a lifetime of the card. The predictive algorithm is dependent upon on or more parameters defined by a personalization module that is used to create at least one data file for personalizing the card and a validation software of the issuing entity validates award of the given prize through use of the DAC. | 06-09-2016 |
20160162954 | SYSTEMS AND METHODS FOR PROVIDING ADVERTISING SERVICES TO DEVICES WITH A CUSTOMIZED ADAPTIVE USER EXPERIENCE BASED ON ADAPTIVE ADVERTISEMENT FORMAT BUILDING - Methods and systems are described for providing advertising services to devices with a customized adaptive user experience. In one embodiment, a system includes a storage medium to store one or more software programs and a format and targeting builder unit to create and edit customizable ad formats and create target user segments. The system includes processing logic that is configured to execute instructions of at least one software program of the format and targeting builder module to provide the options of custom scripting for creating and editing ad formats and targeting user segments with different categories. | 06-09-2016 |
20160180368 | TECHNIQUES FOR USER-CONTROLLED REAL-TIME DATA PROCESSING | 06-23-2016 |
20160180446 | TWO-WAY TOUCH-SCREEN BASED COMMUNICATION SYSTEM | 06-23-2016 |
20160189152 | COLLECTING AND ANALYZING DATA FROM A MOBILE DEVICE - An application platform configurable for collecting user data associated with a plurality of retail-branded credit cards is provided. The application platform includes a configurable front end comprising a graphical user interface layer that is configurable to a specific one of the plurality of retail-branded credit cards, a backend layer comprising credit card functionality for directly performing credit card transactions associated with a specific one of the plurality of retail-branded credit cards, a data collection layer comprising a data collector for collecting user data associated with the plurality of retail-branded credit cards and an analytics engine coupled with the data collection layer for determining one or more attribute about a user from the user data associated with the plurality of retail-branded credit cards. | 06-30-2016 |
20160189194 | Computer implemented system and method for creation of a digital,collaborative review platform, network and publication - A computer implemented system and method for creation of a digital, collaborative review platform, network and publication system through a loyalty based kiosk platform for obtaining reviews from select customers in response to a text inquiry. The select customers may obtain loyalty credits or other incentives for providing reviews within a period of time and may become leaders and followed persons. The results of the reviews may be further used to obtaining information about members of a consumer base, may be filtered, analyzed, compiled and otherwise employed prior to publishing and may be posted to a multiplicity of social network sites or separately published as a standalone platform/site which may only be accessed by loyalty kiosk members. | 06-30-2016 |
20160189195 | Method and System for Providing Benefits to Retail Consumers - A retail store develops a marketing incentive program and distributes different types of benefits to consumers in the program. One benefit the retail store can distribute is a recurring cash value benefit to the consumer. | 06-30-2016 |
20160196571 | POINT CONVERTING SYSTEM, POINT CONVERTING METHOD, AND APPARATUS APPLIED TO THE SAME | 07-07-2016 |
20160203497 | System and methods for dynamically generating loyalty program communications based on a monitored physiological state | 07-14-2016 |
20160203507 | Educational Guide Module Having a Reward System for Virtual Storage System | 07-14-2016 |
20160379241 | SYSTEMS AND METHODS FOR CONSUMER LOYALTY MANAGEMENT - Technologies for providing consumer loyalty to merchants are provided. Payment transactions are monitored based on communications received from point of sale systems of merchants. Based on loyalty-based rules for the merchant, the purchase transaction can be modified to provide a stored benefit to the consumer. Tracking loyalty-based activity based on payment transactions can reduce the necessity for consumer involvement or registration with a merchant's loyalty program while increasing a merchant's ability to provide the consumer in meaningful marketing engagements. | 12-29-2016 |
20170236107 | Automated Teller Machine and Related Method | 08-17-2017 |
20170236143 | SYSTEM AND PROCESS FOR ELECTRONIC TOKENIZATION OF PRODUCT BRAND LOYALTY AND INCENTIVES | 08-17-2017 |
20170236144 | METHOD AND SYSTEM FOR FACILITATING A TRANSACTION | 08-17-2017 |
20180025375 | SYSTEM AND METHOD FOR FACILITATING THE RECYCLING OF MATERIALS | 01-25-2018 |
20190147472 | Systems and Methods to Communicate Offer Options via Messaging in Real Time with Processing of Payment Transaction | 05-16-2019 |
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