Class / Patent application number | Description | Number of patent applications / Date published |
705140300 | Multi-merchant loyalty card system | 46 |
20090281883 | Flexible repeatable affiliated consumer business method - The present invention is directed to a flexible affiliated consumer association business method that allows consumers to enjoy enhanced buying power with a variety of merchants while at the same time enabling merchants and other groups and institutions such as employers or associations of such consumers to establish flexible repeatable loyalty programs in a cost-efficient manner. A flexible repeatable affiliated consumer method having components which allow a provider to create customizable customer loyalty programs with greater flexibility and creativity while also being modifiable in the market environment in a manner that the program provider can design or alter the program or provide multiple tailored programs as needed to attract consumers to give custom at participating merchants. The flexible repeatable affiliated consumer method can include indicia of membership that is a debit, cash or credit card linked to an automated payment system, or any other device such as a card not linked to an automated payment system, and modes and media of communication, data flow and collection and interaction with consume members via the internet or otherwise. The flexible repeatable affiliated consumer method can include components, such as different merchants or marketing materials which are provided to allow the program provider to select different marketing characteristics with different branding characteristics and participating merchants to appeal to different consumer segments. The flexible repeatable affiliated consumer method enables linked databases for efficient program administration and a powerful consumer research mechanism that can be marketed to participating merchants by a program provider. | 11-12-2009 |
20090319349 | MOBILE MEMBER OPERATION METHOD - The present invention provides a mobile member operation method suitable for a mobile electronic device, and the mobile electronic device is connected to a service server by a network. The mobile member operation method comprising: the mobile electronic device receives an update command. The mobile electronic device transmits the update command to the service server by the network. The service server determines that whether the user is a member and searches discount information by specific searching criteria, such as store location, industries, or other criteria, according to the update command. The service server transmits the discount information to the mobile electronic device for storing in a memory of the mobile electronic device if the user is a member. The mobile electronic device displays the discount information and receives a using command; and the mobile electronic device outputs the discount information. | 12-24-2009 |
20100017279 | UNIVERSAL AFFINITY SYSTEM - An improved universal affinity system and method is uniquely configured to be implemented and operated with a reduced impact on existing merchant point of sale and affinity systems. The improved system and method also enables merchants to provide highly targeted incentives and advertising to users of the universal affinity system. | 01-21-2010 |
20100070354 | SYSTEM AND METHOD FOR A MERCHANT DEBIT CARD PROGRAM INCLUDING A PLURALITY OF ISSUERS - A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that provides rewards to enrolled debit card accounts. The authorized issuers provide management of the debit card accounts including customer statements, payment authorizations and customer service. Application data for a new debit card account is transmitted from the merchant to the selected issuer by a card processing system. Enrollment data to the merchant loyalty program may also be transmitted from the merchant to an authorized issuer by the card processing system. | 03-18-2010 |
20100076826 | ONBOARD AUCTION OF A FIRST CLASS SEAT TICKET - A system and method for making a sale of a ticket for an available first class seat, to a passenger seated in second class, when a carrier is underway to a final destination (i.e. is not scheduled to pick up additional passengers). The system may offer to sell the first class seat ticket only to members of the carrier's customer loyalty program (e.g. frequent flyer), or to any passenger seated in second class. When two or more passengers are seated in second class, the price of the ticket may be established by auction. | 03-25-2010 |
20100094690 | CONSOLIDATED CONSUMER REWARDS SYSTEMS AND METHODS - A consumer tracking and rewards system and related methods that provide for consolidating two or more merchant-branded rewards accounts into a single source. A single unique identifier referred to as a consumer number used to track and credit purchases with respect to multiple retail establishments. The consumer number may exist simply as a data element in the system or may be printed, bar coded, or programmed onto any physical medium or device. Components of the system include a consumer rewards platform, a merchant-consumer rewards system and potentially a card vendor system. The consumer rewards platform facilitates communication and the transfer of data between the various components of the system. A cross-reference between single consumer numbers and one or more merchant rewards program numbers is used to accommodate the trading and linking of information among participating merchants. Consumers may communicate with the various system components through a consumer web portal. A website is also available to merchants so they may view statistical information regarding rewards program participation. | 04-15-2010 |
20100106570 | SYSTEMS AND METHODS FOR ENROLLMENT AND PARTICIPATION IN A LOYALTY PROGRAM - According to some embodiments, systems, methods, apparatus, computer program code and means are provided for enrolling payment cardholders in loyalty programs and processing loyalty transactions. Some embodiments include receiving, from a consumer associated with a payment device, loyalty program enrollment information and a payment device identifier, the loyalty program enrollment information including a loyalty program identifier, and providing the loyalty program enrollment information and the payment device identifier to at least one of an issuer of the payment device and an agent of the issuer. The loyalty program identifier is caused to be stored in a memory of said payment device. | 04-29-2010 |
20100145778 | CONSUMER COMMERCIAL BEHAVIOR MODIFICATION THROUGH MULTIPLE MERCHANT INCENTIVE PROGRAM - A multi-provider rewards program in which rewards are awarded for a series of transactions using an account in a transaction processing system. The transaction processing system includes at least one issuer, at least one acquirer, a plurality of resource providers, a transaction handler, a rewards program rule implementer having access to the rewards program database, and an implementer processor. The implementer processor receives transaction data whenever a transaction occurs using the consumer account, uses the transaction data to determine when a consumer has performed the separate transactions associated with each of a plurality of merchants that are required by a rewards rule and when a consumer has performed the separate transactions with each of the plurality of resource providers, and identifies a reward for the consumer that performed the transactions. | 06-10-2010 |
20100174589 | System and method for supporting allocation of reward points, and computer-readable storage medium for computer program - A terminal for supporting allocation, to a customer, of reward points redeemable for an article or a service is provided. The terminal includes a soon-to-be-lost-point calculation portion that calculates, for each of reward programs in which the customer participates, an amount of soon-to-be-lost-reward points that is an amount of reward points to be lost during a predetermined period among the reward points, and a reward points information display process portion that displays, based on the result of calculation performed by the soon-to-be-lost-point calculation portion, a screen for indicating, among the reward programs, a reward program having the soon-to-be-lost-reward points whose amount is equal to or more than a predetermined value. | 07-08-2010 |
20100223110 | Method and System for Delivering Offers to Users of Electronic Privilege Cards - A method for delivering customized data items to users of electronic privilege cards includes receiving a customized data item to be delivered to a user having an electronic privilege card, identifying the electronic device storing the targeted user's electronic privilege card, and transmitting the customized data item to the electronic device. In one embodiment, the data item is an offer or coupon that the user may redeem from an entity associated with the electronic privilege card, such as a retailer or service provider. In another embodiment, the electronic device storing the electronic privilege card is a mobile telephone. | 09-02-2010 |
20100287039 | UNIFIED LOYALTY PROGRAM MEDIA - The present invention generally relates to a media that incorporates several distinct rewards/relationship/fidelity/loyalty programs, and/or other sorts of information into a single media, particularly, but not limited to, a card, making it easier for the user who typically carries and uses several such cards or media, in a simple and convenient way. The invention concerns a method of creating such a single media, as well as the single media itself. | 11-11-2010 |
20110202395 | SYSTEMS AND METHODS FOR UNIFIED LOYALTY MERCHANT REWARDS - The present invention provides a single payment and rewards card (or device) which can be used to purchase goods/services from a large variety of participating merchants. According to one aspect of the invention, card or device is arranged to earn and redeem different kinds of rewards points. For example, the single card/device can be used to earn airline miles from a participating airline and also grocery store rewards from participating grocery stores. It can also be arranged to obtain different kinds of rewards simultaneously. For example, when purchasing merchandise from a merchant, the card/device can be enabled to earn three different kinds of rewards: from the merchant, from the manufacturer of the merchandise, and from the financial institution that issued the card/device. All of the rewards can be subject to different rules, each set of rules imposed by the entity granting the rewards. | 08-18-2011 |
20110238465 | System for Controlling Card Transactions - A system of controlling money through a card, where at least one allocating individual can determine what goods and services the card user may purchase, and what vendors the card user may patronize. The at least one allocating individual accesses a database that is secure and limited to use by the at least one allocating individual. The database permits the at least one allocating individual to select what goods, services and vendors will be accepted and what will be denied when the card is used. These selections are then transmitted to the card company's network, which will accept or decline a purchase request from a vendor. In an additional embodiment, the selections may be transmitted directly to a strip or chip within the card via a card reader or access port such as Universal Serial Bus (USB) located on the card. | 09-29-2011 |
20120173314 | SYSTEM AND METHOD FOR ACCUMULATING BONUS POINTS FROM PURCHASING GOODS USING IMAGE RECOGNITION CODE - A system and method for accumulating bonus points using an image recognition code are disclosed. The system for accumulating bonus points includes a customer terminal that analyzes a photographed image recognition code for point accumulation, transmits shop information and point accumulation request information in the analyzed image recognition code for point accumulation together with customer information, analyzes a photographed image recognition code for point deduction and transmits shop information and point deduction request information in the analyzed image recognition code for point deduction together with customer information, and a server that stores bonus point information by each shop for multiple customers, accumulates bonus points based on a customer's purchase of goods in the shop using the customer information, the shop information and the point accumulation request information transmitted from the customer terminal, and deducts accumulated bonus points based on the customer's purchase of goods in the shop using the customer information, the shop information. and the point deduction request information transmitted from the customer terminal. | 07-05-2012 |
20120290368 | POINT-OF-SALE SYSTEM USING PREPAID/GIFT CARD NETWORK - A method and an apparatus for operating a gift card network are disclosed. The system receives registration data from first and second merchants, each having one or more points of sale, and processes the registration data to establish membership of the merchants in a gift card network. The system then receives card issuance data from the first merchant, the card issuance data reflecting at least a unique serial number and a monetary value associated with a network gift card issued by the first merchant. The network gift card is redeemable at the first merchant or at other merchants which have established membership in the gift card network. When a transaction occurs in which the card issued by the first merchant is used at the second merchant, transaction data is received from the second merchant, the transaction data indicating that at least a portion of the monetary value of the network gift card has been redeemed at the second merchant. In response, the system applies a credit to the first merchant, the credit being equal to or derived from the value that has been redeemed at the second merchant. | 11-15-2012 |
20130041727 | Method and system for aggregating merchant rewards - A loyalty rewards provider hosts a website providing registered users access to a loyalty rewards account for use at multiple merchants and retailers. This loyalty rewards provider has an established network of participating merchants allowing a user to accumulate and redeem loyalty rewards at multiple merchants. According to this system, a user is only required to have one loyalty rewards account that is used to accumulate all of their customer loyalty rewards which may be redeemed for cash and rewards at participating merchants free of charge. These rewards can be accessed online through a website or through a rewards card carried by the user. | 02-14-2013 |
20130103462 | Systems and methods for campaign offers and rewards with offer serving engine based on digitized receipt data - A campaign offers and rewards system includes an offer serving engine, and an analytics engine with data intelligence. The analytics engine compares information about similar goods or services sold by different entities, manufacturers or service providers to create product and service categories. A redemption engine is included. | 04-25-2013 |
20130124272 | METHOD AND SERVER SYSTEM FOR ENHANCED MANAGEMENT OF EVENT-BASED USER REWARDS - Provision of enhanced rewarding schemes. A first server of a first service domain is configured to maintain a reward database for users of a first service domain. A second server of a second service domain is configured to identify event data items of the second service domain from which information is to be forwarded to the first service domain, and derive information from the identified event data items to forwarded data items. The first server is configured to update the reward account of the user in response to event data items generated in response to activities of the user in the first service domain, and in response to forwarded data items received from the second server. | 05-16-2013 |
20130124273 | Systems and Methods for Customer Loyalty Program - As a customer conducts qualifying transactions with a participating merchant within a group of merchants, the customer accumulates reward points which can be redeemed at any participating merchant within the group at the time of redemption. A promotion/award determination engine and associated database track the points. A redemption engine is coupled to the database for the redemption of the points. | 05-16-2013 |
20130179241 | UNIVERSAL LOYALTY PROGRAM AND SYSTEM, WHICH CAN INCLUDE ASPECTS IN FOOD AND MEDICINE RECALL, ANTI-COUNTERFEITING, ANTI-IDENTITY THEFT, ANTI-CREDIT CARD FRAUD AND MORE - The present invention includes providing a universal loyalty program, such as, for example, a loyalty program that includes participation of multiple separately-owned large retail companies as well as users who are customers of each of the companies. Wide and large scale participation and data sharing, among companies or other entities as well as users, may be encouraged, incentivized, obtained and rewarded, such as through programs provided by the universal loyalty program. Such programs may include, among others, a food recall related program, a medicine recall related program, an anti-counterfeiting program, a credit card fraud prevention program, and an anti-identity theft program. Moreover, the universal loyalty program, as well as the other programs, may themselves benefit and be strengthened by the wide and large scale participation, including the resulting wide and large scale data sharing, collection, mining and uses afforded in part thereby. | 07-11-2013 |
20130211886 | SYSTEM AND METHODS FOR UNIVERSALLY ADMINISTERING MERCHANTS' LOYALTY PROGRAMS - A method for administering the loyalty programs of multiple merchants. The method includes enrolling a plurality of customers in a universal system for administering multiple loyalty programs. The method further includes receiving lookup requests from a plurality of distinct merchants, each lookup requests relating to a customer's wish to receive loyalty program benefits from a merchant. The method further includes providing computerized customer record information in response to each lookup request, the customer record information being used by the merchants for invoking each merchant's respective loyalty program and providing loyalty benefits to the customer. | 08-15-2013 |
20130218649 | SINGLE DEVICE LOYALTY CONSOLIDATION PLATFORM AND DATA SYNCHRONIZATION - The consolidated consumer service platform replaces multiple loyalty, coupon, ticket, gift, membership and any other products that use a unique identifier (numeric, alphanumeric, barcode, magnetic stripe, RFID, NFC, etc.) with a single device and single unique identifier (which may also be numeric, alphanumeric, barcode, magnetic strip, RFID, NFC, etc.) and manages synchronization of consumer demographic information, existing loyalty memberships, and new enrollments—all automatically and electronically. The platform and data synchronization of the consolidated consumer service system of the present invention are important and novel components of the technology in addition to and in combination with the devices which can be used to store and communicate the unique consumer identifier. | 08-22-2013 |
20130238408 | SYSTEMS AND METHODS FOR ATTACHING LOYALTY PROGRAM DATA TO AN ELECTRONIC PAYMENT SCHEME - Methods and apparatus are disclosed for attaching loyalty program data to an electronic payment in a payment processing network. In an embodiment, a method transmits, from a merchant to a bank network (BankNet), an authorization request comprising a primary account number (PAN) of a customer and routes the request to a payment card issuer. The method then identifies a loyalty program associated with the PAN and receives, at the BankNet, an authorization response comprising an indicator of the loyalty program. The method forwards the authorization response to an acquirer and sends the authorization response to the merchant. In another embodiment, a system transmits an authorization request and routes the authorization request to a BankNet in response to determining that a merchant is a member of a loyalty program. The system receives an authorization response comprising an indicator of the loyalty program, forwards the response to an acquirer and the merchant. | 09-12-2013 |
20130275189 | APPARATUSES AND METHODS FOR A HYBRID UNIVERSAL CONSUMER CARD REDEMPTION SYSTEM - Methods and associated systems related to generating, managing, and accessing data related to contractual obligations of a consumer and a plurality of different merchants in a universal consumer card redemption system are disclosed. A universal consumer card redemption system may comprise a universal software platform including a network of linked databases configured to store data associated with contractual relationships between at least one consumer and a plurality of different merchants. The universal software platform may be configured to link with both physical universal consumer cards and virtual universal consumer cards over a web-based interface. | 10-17-2013 |
20130332245 | Multi-Merchant Loyalty System - A system and computer program product for differentiating reward programs that use the same identity holder. This differentiation allows different businesses to offer their own tailored rewards program while the consumer has the convenience of using a single identity holder. Moreover, the system and computer program product provide for integrating proximity and affinity into multi-business rewards programs. Finally, the system and computer program product provide for members of a consumer membership organization to receive rewards based on their membership, thus allowing the organization to receive financial incentives based on encouraging their members to shop at certain businesses. | 12-12-2013 |
20130346167 | UNIFIED LOYALTY PROGRAM MEDIA - The present invention generally relates to a media that incorporates several distinct rewards/relationship/fidelity/loyalty programs, and/or other sorts of information into a single media, particularly, but not limited to, a card, making it easier for the user who typically carries and uses several such cards or media, in a simple and convenient way. The invention concerns a method of creating such a single media, as well as the single media itself. | 12-26-2013 |
20140006116 | DIGITAL CUSTOMER CARD APPLICATION | 01-02-2014 |
20140012640 | 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. | 01-09-2014 |
20140032284 | SYSTEM AND METHOD FOR VALIDATING THE COMPLETION OF AN INTERACTIVE MARKETING TASK USING A MOBILE DEVICE - The present disclosure provides systems and methods including providing a mobile application associated with a first subject matter, providing a challenge to selected users, wherein the challenge is related to a second subject matter, and rewarding the selected user upon completion of the challenge, wherein the reward is associated with the first subject matter. | 01-30-2014 |
20140039990 | UNIVERSAL TRANSACTION ASSOCIATING IDENTIFIER - Rewards programs in which rewards are awarded for a series of transactions using a universal transaction associating identifier to associate transactions in common within each rewards program in a reward processing system. The system includes resource providers, a rewards program rule implementer having access to a rewards program database, and an implementer processor. The implementer processor receives transaction data whenever a transaction occurs using the universal transaction associating identifier, determines when a consumer has performed the transactions satisfying rules requirements, and identifies and awards a reward, including vouchers, for the consumer. The reward processing system generates a universal transaction associating identifier from a plurality of identification sources and provides for objects containing the universal transaction associating identifier. The reward processing system issues and redeems vouchers exchangeable for rewards. The system targets consumers and transmits messages adaptive to system elements, including rules requirements and the universal transaction associating identifier. | 02-06-2014 |
20140046738 | PORTABLE HAND-HELD MULTIFUNCTION DEVICE WITH MULTIPLE TRANSACTION AND REWARD ACCOUNTS - A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card. | 02-13-2014 |
20140074568 | Universal Recognition Platform - A platform for universal recognition (UR) is described. A consumer has one or more UR numbers, each of which is uniquely recognizable within the UR platform. During a transaction with a merchant, the consumer uses a non-payment token that presents a UR number or uses a payment token that presents a payment number associated with a UR number. A membership identifier used to recognize the consumer within a membership program of the merchant is retrieved and routed to the merchant. Each UR number begins with a six-digit Issuer Identification Number (IIN) which identifies the UR platform from which the UR number was issued. | 03-13-2014 |
20140074569 | SYSTEMS AND METHODS FOR FACILITATING LOYALTY AND REWARD FUNCTIONALITY IN MOBILE COMMERCE - The disclosure relates to systems and methods for facilitating loyalty and reward functionality in mobile commerce. In one embodiment, a method for providing a loyalty/reward program can include receiving an indication that a consumer has entered a predefined merchant location; transmitting a notification to a mobile device associated with the consumer; providing one or more payment tools on a mobile device for the consumer to facilitate a purchase from a merchant associated with the predefined merchant location; generating a loyalty/reward credit for an account associated with the consumer; and receiving an instruction from the consumer to redeem loyalty/reward credit for goods and/or service from the merchant. | 03-13-2014 |
20140195314 | SYSTEM AND METHOD FOR NETWORKED LOYALTY PROGRAM - This disclosure provides a loyalty program on a network-wide level. Embodiments may associate UPC and SKU data on a network level to reward consumers and/or to analyze the data for a variety of business purposes, such as market segmentation analyses and/or analyses relating to consumer spending behaviors or patterns, for example. In accordance with one embodiment, the network may comprise any number of participants, including consumers (such as primary and supplementary members of an aggregate consumer account), retailers (e.g. including any of their employees), manufacturers, third-party providers, and the like. In accordance with one embodiment, this disclosure enables participation by supplementary members who are associated with a primary member and, in this manner, facilitates the tracking of supplementary member purchasing behavior, reward points earning behavior, and reward points redemption behavior. | 07-10-2014 |
20140304046 | Universal Recognition Platform - A platform for universal recognition (UR) is described. A consumer has one or more UR numbers, each of which is uniquely recognizable within the UR platform. During a transaction with a merchant, the consumer uses a non-payment token that presents a UR number or uses a payment token that presents a payment number associated with a UR number. A membership identifier used to recognize the consumer within a membership program of the merchant is retrieved and routed to the merchant. Each UR number begins with a six-digit Issuer Identification Number (IIN) which identifies the UR platform from which the UR number was issued. | 10-09-2014 |
20140310077 | COMPUTER IMPLEMENTED COALITION MARKETING PLATFORM AND A METHOD THEREOF - A computer implemented platform for creating a virtual community of sellers thereby enabling said sellers to jointly endorse the products and services, has been disclosed. The platform detects the presence of handheld devices of the users within a predetermined communication range, along with the coordinates. The platform presents to the users the location specific information corresponding to the products and service offered by the virtual community of sellers. The platform tracks the response of the user to the presented information along with the previous interactions of the users. The platform prompts each of the users to provide said platform with access at least their respective social networking profiles. The platform selectively customizes the information to be presented to the users thereby rendering the product/service offerings suitable for requirements of users, and forecasts the user requirements based on the tracked response information, and information corresponding to the previous interactions of users. | 10-16-2014 |
20150066610 | SYSTEM FOR ADMINISTERING AN INCENTIVE AWARD - A method for administering an incentive award system in which a bank issues a credit or debit card account to a participant and sets up an interest bearing account for the participant to receive the incentive award. Specific merchants are designated who have agreed to make awards of a specified amount to the participant. After sale of goods to the participant and charging the sales to the credit or debit card account, an award amount is determined based on the charges, which is sent to the issuing bank to be credited to the participant account. In preferred embodiments, the participant account has time restrictions against withdrawal of funds. In other embodiments, the award amount is determined by an oversight organization that calculates the mount of the award as a percentage of the transaction, which may be lower for non-merchant brands. | 03-05-2015 |
20150066611 | Consolidated Merchant Programs System - The present invention discloses a consolidated merchant programs system comprising at least a merchant node operated by a merchant; at least a mobile consumer node operated by a consumer; a server having a user interface to provide an online platform for the merchant to launch one or more merchant programs through the merchant node; a merchant code generated by the server based on the merchant program; a primary consumer code generated by the server and assigned to the consumer as an identity of the consumer; the primary consumer code is downloaded to the consumer node upon signing up for a consumer account on the system; and a secondary consumer code containing data of the merchant program enrolled by the consumer and the identity of the consumer; the secondary consumer code is generated through capturing the primary consumer code by the merchant node and sending the primary consumer code and merchant code by the merchant node to the server for processing to generate the secondary consumer code or through capturing the merchant code by the consumer node and sending the merchant code and primary consumer code to the server by the consumer node for processing to generate the secondary consumer code; wherein the secondary consumer code is downloaded to the consumer node upon approval of enrollment of the consumer in the merchant program for participating in a consumer activity of the merchant program. | 03-05-2015 |
20150100396 | Integrated Incentive Network System and Method - Disclosed herein is an Integrated Incentive Network incentivizes traffic to merchant storefronts by tying member merchants and member users into an integrated incentive network that incentivizes member users to become repeat visitors to member merchant sites through the use of network points. Such points not only may be earned at any member merchant site, but may also be redeemed at any member merchant site. Member merchants may additionally offer their own unique points redeemable only at their sites in order to increase repeat business. Also, network points may be redeemable at a higher value/discount when redeemed at the same member merchant site at which they were earned. The pricing of network points may also be different for one member merchant as compared to another such that the redemption value at one merchant may be different than at the other. While the disclosed Integrated Incentive Network is private with regard to member users and member merchants, it may be implemented using a public communications network, such as the Internet. | 04-09-2015 |
20160034942 | One and Only Card - A single universal consumer identity and savings card program that replaces multiple separate card programs provided by chain retailers. | 02-04-2016 |
20160063570 | Interactive and intuitive marketing system and method for acquisition of personal data, dissemination of personalized content and social network promotion - An intuitive and interactive marketing system and method for the acquisition of personal data via a loyalty kiosk and associated non-transitory computer-readable storage media having computer-executable instructions embodied thereon situated within a business environment to secure phone numbers and customer data for use in SMS/text marketing campaigns and related data mining and to permit automation of personalized marketing to customers as a function of input data and historical activities. The system and method further provide dissemination of marketing campaigns through social network interfaces and data/status updates of the market campaign based on business designated triggers. | 03-03-2016 |
20160078443 | SYSTEMS AND METHODS FOR DETERMINING FRAUDULENT TRANSACTIONS USING DIGITAL WALLET DATA - A computing device for risk-based analysis of a payment card transaction is provided herein. The computing device includes a processor communicatively coupled to a memory. The computing device is programmed to receive a request for authentication of the payment card transaction. The payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder. The computing device is also programmed to identify fraud feature data from the digital wallet. The computing device is further programmed to compute a fraud score for the payment card transaction based at least in part on the fraud feature data. The computing device is still further programmed to provide the fraud score for use during authentication of the suspect consumer. | 03-17-2016 |
20160155140 | SECURE CARD-LINKED OFFER AND LOYALTY AGGREGATION | 06-02-2016 |
20170236236 | Method and System to Conduct a Multi-Jurisdictional Lottery Rewards Program | 08-17-2017 |
20180025376 | System and Method for Targeted Marketing and Consumer Resource Management | 01-25-2018 |
20190147478 | INFORMATION SYSTEM, CARD DEVICE, TERMINAL DEVICE, AND SERVER DEVICE | 05-16-2019 |