| Entries |
| Document | Title | Date |
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| 20090287563 | Method for funding a plurality of charities or similar organizations through flexible allocation of credit card rebates and similar contributions - The disclosure relates to a method and apparatus wherein consumers, typically credit card holders, can allocate their rebates and similar financial incentives amongst a plurality of charitable or non-profit institutions or other destinations. The method and apparatus further allows additional sources of funding such as rebates from additional credit cards, participating merchant rebate programs, incentives from banks or other financial institutions, donated airline miles and similar incentives, and payroll deductions. Likewise, the method and apparatus further allows additional destinations for a portion of the funding, including investment vehicles which are personally owned, and points or miles in airline or similar programs. | 11-19-2009 |
| 20090307077 | SERVICE POINT ISSUE AND RETURN SYSTEM - The invention presents a service point issue and return system capable of expanding the service point issue and return cycle autonomously by customers, and enhancing the distribution value of service points. | 12-10-2009 |
| 20090327067 | Systems and Methods for Distributing Incentives to Consumers to Encourage Subsequent Action - Embodiments may relate to systems and methods for distributing incentives to encourage subsequent action. In one embodiment, a method to facilitate encouraging consumer behavior can be provided. The method may include electronically identifying a consumer to be a recipient of an incentive device by a marketing system, wherein the incentive device is associated with a marketing campaign defining at least one predefined activity to be performed by the consumer prior to activating the incentive device, and wherein the incentive device has inherent value that is available for redemption upon activation. The method may further include storing consumer data associating the consumer with the incentive device in the marketing system. In addition, the method may include distributing the incentive device to the consumer in an inactivated state, and electronically activating the incentive device only upon receipt of an indication that the consumer has satisfied the at least one predefined activity. | 12-31-2009 |
| 20100017284 | System and Method of Providing Discounts on the Purchase of Gasoline - A method of a discount on the purchase of includes determining accumulated discount information each time: (i) a customer performs one of one or more predefined actions, (ii) customer identification information is received in association with the performed action, and (iii) first information relating to the performed action is received. The accumulated discount information is determined by converting the first information into a point value, and deriving the accumulated discount information from the point value. The accumulated discount information is stored in association with the customer identification information. The method further includes obtaining the customer identification information when the customer initiates the purchase of gasoline, obtaining the accumulated discount information using the customer identification information, and providing the customer with a discount on the purchase of gasoline based on the accumulated discount information. | 01-21-2010 |
| 20100030636 | METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR STORING AND REDEEMING ELECTRONIC CERTIFICATES USING A WIRELESS SMART CARD - Methods, systems, and computer readable media for storing and redeeming an electronic certificate on a wireless smart card are disclosed. According to one aspect, the method includes storing tag data on a wireless smart card that is inductively powered when brought into the proximity of an electromagnetic field and is unpowered when outside of the proximity of the field. Tag data is received from a wireless smart card at a wireless smart device reader during an electronic transaction, wherein the card is powered by an electromagnetic field generated by the device reader. The method also includes sending, from the wireless smart device reader, transaction data, which includes at least the tag data and a vendor identifier, to a back-end server. At the wireless smart device reader, an electronic certificate is received from the server, the electronic certificate being obtained by the server using the tag data and the vendor identifier. | 02-04-2010 |
| 20100076835 | VARIABLE INCENTIVE AND VIRTUAL MARKET SYSTEM - A method of and system for providing an incentive program for conserving a consumable resource such as electricity, natural gas, oil, air or water. The present invention monitors utilization of the resource at a location, and then determines a type and quantity of variable resource points to be provided to an account associated with the location or with a participant by analyzing the monitored resource utilization with respect to a plurality of varying conditions (time-variant, location-variant, cost-variant etc.). These conditions may be independent or interdependent; these relationships will be incorporated into the calculations resulting in the award of the type and quantity of resource points determined by the Program. The resource points are then stored in an account associated with the location or with a participant for future use. | 03-25-2010 |
| 20100088174 | 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. | 04-08-2010 |
| 20100125497 | ELECTRONIC COUPON DISTRIBUTION AND REDEMPTION METHOD FOR ELECTRONIC DEVICES - A coupon redemption system includes a web application server having a database corresponding with information regarding a coupon. An electronic device is in communication with the web application server through a data communication network. The electronic device displays a barcode image corresponding to the coupon information. The bar code image is adjustable in response to an indication of the type of electronic device. | 05-20-2010 |
| 20100131347 | ELECTRONIC PAYMENT SYSTEM USING MOBILE WIRELESS COMMUNICATIONS DEVICE AND ASSOCIATED METHODS - An electronic payment system is for a point-of-sale (POS) device to transfer funds from a purchaser account to a merchant account. The POS device is to send a merchant transaction identification (ID) and transaction information. The electronic payment system includes a mobile wireless communications device to send a purchaser transaction ID and purchaser account access information. A payment processor server is to receive the purchaser transaction ID and purchaser account access information, and further configured to send the transaction information to the mobile wireless communications device if the merchant transaction ID matches the purchaser transaction ID. The mobile wireless communications device also sends confirmation of the transaction information to the payment processor server, and also effects a transfer of funds from the purchaser account to the merchant account based upon the confirmation of the transaction information and the purchaser account access information. | 05-27-2010 |
| 20100241504 | Method of Rewarding On Time Bill Payment - A rewards system for bill paying users which provides rewards for paying their bills on time or early to product vendors and service providers. The system tracks payments of subscribing users to subscribing vendors and service providers and issues rewards to users paying on time or a designated amount of time before the due date of an on time payment. | 09-23-2010 |
| 20100274659 | SYSTEM AND METHOD FOR REDEEMING VOUCHERS - The invention includes an improved system and method for creating, distributing and storing vouchers. The method includes a loyalty system obtaining a loyalty card account having a unique identifier and loyalty points associated therewith, accessing a loyalty database utilizing the unique identifier, converting at least a portion of the loyalty points to a first value associated with a first merchant, saving the first value in a first database associated with the loyalty card, converting at least a portion of the loyalty points to a second value associated with a second merchant, saving the second value along with other voucher information as an electronic voucher in a second database associated with the loyalty card, redeeming the first value at a first merchant and redeeming the electronic voucher at a second merchant. | 10-28-2010 |
| 20100280898 | Personalized Reward System - A method for a personalized reward system, the method includes obtaining a reward list comprising one or more reward each associated with a corresponding reward point required for a corresponding reward redemption, obtaining a task list comprising one or more tasks each associated with a corresponding reward point that can be earned upon a corresponding task completion, receiving a input from a user indicating a task of the one or more tasks is completed, adding a corresponding reward point associate with the task to generate a cumulative reward point based on a first pre-determined criterion, comparing the cumulative reward point to the reward list based on a second first pre-determined criterion to generate a result, and notifying the user of a reward redemption based on the result. | 11-04-2010 |
| 20110047020 | SALES DATA PROCESSING APPARATUS AND SALES DATA PROCESSING METHOD - A sales data processing apparatus includes a member rank accepting unit, a point accepting unit, an extraction unit, and a calculation unit. The member rank accepting unit accepts an input of a member rank of a customer as of when a point voucher is used. The point accepting unit accepts an input of a number of points on the point voucher. The extraction unit extracts, from a storage unit which stores a point return rate defining how much should be returned in dollars for one point corresponding to a member rank, the point return rate corresponding to the member rank accepted by the member rank accepting unit. The calculation unit calculates an amount of return on the point voucher on the basis of the number of points accepted by the point accepting unit and the point return rate extracted by the extraction unit. | 02-24-2011 |
| 20110093325 | Automated Financial Institution Customer Reward Program - A method and system for automating a reward program for a financial institution is provided. Accordingly, information about a customer transaction is received by a system and an affinity-point value of the transaction item is determined and associated with the transaction item. An affinity-point balance associated with the customer is determined and one or more rewards that are available to the customer are determined. A notification concerning a particular reward for which the customer is eligible is displayed. Multiple reward programs can be operated simultaneously and customers can participate in multiple reward programs. Thus, after determining an affinity-point balance, a list of rewards available to the customer can be determined from multiple reward programs and the list of rewards can be sorted based on associated affinity-point value and based on a prioritization of the various reward programs. | 04-21-2011 |
| 20110173061 | SYSTEM FOR MOBILE REWARDS - In an example embodiment, there is a system for mobile reward redemption. The system may receive a selection of a cash equivalent rewards on a mobile device. The system may further transmit a request message from the mobile device to a reward fulfillment server, wherein the request message comprises the selection of the cash equivalent reward. Additionally, the system may receive a message on the mobile device from the reward fulfillment server comprising a link to a barcode image. The barcode image may represent the cash equivalent reward. The barcode image may be retrieved and the barcode image may be presented to a merchant scanning system to redeem the cash equivalent reward. | 07-14-2011 |
| 20110196732 | SYSTEM AND METHOD FOR HANDLING AN OFFER TO PURCHASE A FOLLOWED ITEM - A system receives from a customer having an associated rewards points account a price offer for an item. The system determines if the price offer for the item is below an established threshold price, e.g., a price a retailer would accept for the item. When the price offer for the item is below the established threshold price, the system determines an amount of rewards points to be redeemed by the customer to thereby allow the customer to purchase the item at the price offer for the item as received from the customer. The system then allows the item to be purchased by the customer at the price offer for the item as received from the customer in the event that the customer indicates a willingness to redeem the determined amount of rewards points from their associated rewards points account. | 08-11-2011 |
| 20110270664 | LOYALTY REDEMPTION - A loyalty redemption system and related methods are disclosed. The loyalty redemption system can include a card. | 11-03-2011 |
| 20110270665 | Expiring Virtual Gift Card Statement Credit Exchange for Loyalty Reward - A statement credit reward system receives a request to redeem reward points from an account holder in exchange for a virtual gift card, where the account holder's request may be in response to an offer from a merchant for the card. The statement credit reward system receives transaction information corresponding to one or more transactions conducted by the account holder with one or more merchants. The transaction information may contain a qualifying transaction conducted by the account holder with a merchant. The statement credit reward system will attempt to match a statement credit trigger with the qualifying transaction. If a match is not found, the statement credit reward system adds the predetermined number of reward points back into the account holder's balance of reward points. If a match is found, the statement credit reward system credits the monetary amount of the statement credit trigger to the account holder's balance. | 11-03-2011 |
| 20110295674 | System and method for redemption of awards by award program participants - A system and method for maximizing airline award program participant's use of the accumulated award miles even in light of mileage shortfalls for the redemption of mileage awards is described. The system and method not only a benefit to the award program participant, but also provides financial benefits to the airline offering the award program, and these financial benefits are ones that the airline would not ordinarily obtain. | 12-01-2011 |
| 20110307317 | Multi-Application Smart Card Device Software Solution for Smart Cardholder Reward Selection and Redemption - A system for facilitating reward selection and redemption for a loyalty program is disclosed. The system includes a point-of-sale (POS) device that is capable of monitoring and processing a reward redemption. The POS device informs a participant of the loyalty program as to what rewards are available for redemption. The participant is given an opportunity by the POS device to select the desired reward for redemption. Alternatively, the POS device allows the participant to defer redemption of the available rewards. | 12-15-2011 |
| 20110307318 | MOBILE RETAIL LOYALTY NETWORK - A loyalty network enables customers to use their mobile devices to participate in a merchant's customer loyalty program. When a customer conducts a transaction, the merchant's point-of-sale (POS) system generates a code image containing transaction information. The POS system may print the code image on a transaction record (such as a bill or receipt) provided to the customer, and/or may display the code image on a display screen. The customer can then photograph/scan the code image with their mobile device, which sends the transaction information and authentication information to a loyalty program server. The loyalty program server may use this information to credit the customer's loyalty program account, and may, in some cases, interact with the POS system to enable loyalty program credits to be redeemed. In some embodiments, the transaction information may alternatively be conveyed to the mobile device using Near Field Communications. | 12-15-2011 |
| 20110320256 | CITY PARKING SERVICES WITH AREA BASED LOYALTY PROGRAMS - Apparatus and methods related providing city services, such as parking, are described. Methods and apparatus for providing parking rewards programs are described. The methods and apparatus can include maintaining accounts for participants in the rewards program, tracking purchases of parking and other participant activities and determining parking awards based upon the activities. The parking rewards programs can be used to incentivize behaviors that balance the use of the parking space commodity according to the needs of different stakeholders, such as the city, residents, merchants and visitors. For example, parking awards and the criteria used for earning awards can be used to encourage particular behaviors while a parking space is being utilized, such as shopping, the use of public transportation or efficient trip planning. | 12-29-2011 |
| 20120016731 | MOBILE SYSTEM AND METHOD FOR PAYMENTS AND NON-FINANCIAL TRANSACTIONS - A method and system for mobile commerce, communication, and transaction processing to real-world POS. web, e-commerce, virtual terminal, mobile personal digital assistant, mobile phone, mobile device, or other computer based transactions involving either one or both financial and non-financial such as loyalty based transactions as a mobile payment system is described. One embodiment comprises using a mobile phone via a consumer mobile software application (CMA) in lieu of a consumer card (examples include physical, virtual, or chips) to conduct payment transactions in the Real or Virtual World of commerce. An embodiment is related to making payments to real-world stores via having the CMA on a mobile device on behalf of the consumer present to conduct transactions and no physical card required. | 01-19-2012 |
| 20120066051 | SYSTEM AND METHOD FOR MANAGING A PROOF OF PURCHASE REWARD PROGRAM - A system and method for providing consumer, vendors, manufacturers, reward program providers, and reward program beneficiaries with mechanisms for managing and participating in a reward program. By associating consumer identifiers with reward programs, a reward program manager mechanism may administer a reward program on the behalf of all participants. | 03-15-2012 |
| 20120123849 | System and Methods for Purchase Reward Investment Communities - Purchase rewards account holders accumulate rewards currency. A network-based investment management system allows account holders to purchase shares in investments using reward currency. When all the shares for a particular investment have been purchased, the underlying investment is acquired. Account holders owning shares in an investment may sell shares to other account holders through system. Account holders are thereby able to invest their rewards dollars in investments typically requiring cash or cash equivalents and to grow their rewards currency. | 05-17-2012 |
| 20120191525 | Systems and Methods to Facilitate Loyalty Reward Transactions - A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions. | 07-26-2012 |
| 20120226546 | System and Method for Satisfying a Transaction Amount from an Alternative Funding Source - Systems and methods for paying a transaction amount at a point of sale (e.g. a physical point of sale or a virtual point of sale) are disclosed. The systems and methods are configured to monitor transaction information to identify eligible transactions at the point of sale. Where the transaction information conforms to predetermined rules, an indicator of an alternative funding source is provided to a user through a web browser, portable electronic device, or other suitable medium. Moreover, the alternative funding options are presented at substantially the same time as a transaction is being processed at a point of sale. Based on the user's selection, a credit may be applied to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source. Moreover, the credit associated with the alternative funding source is not communicated to the point of sale or the corresponding merchant, but rather is applied directly to the transaction account associated with the purchase of an item. | 09-06-2012 |
| 20120271704 | PROVIDING DIFFERENTIATED EARN RATE REWARDS IN A LOYALTY PROGRAM BASED ON THE VALUE OF THE PROGRAM PARTICIPANT - Embodiments of the invention provide for a loyalty rewards program that provides differentiated earn rate rewards based on participant/customer segmentation. In specific embodiments the segmentation is based on the value of the participant/customer as determined by the rewards program provider. Additionally further details are described below for methods, apparatus and computer-program products that provide for a rewards program that implements reverse auction type reward procurement. Such embodiments of the invention, offer differentiated rewards redemption based on the value of the participant to the program provider and the value that the participant/customer places on the reward. | 10-25-2012 |
| 20120271705 | METHOD AND SYSTEM FOR SIMULTANEOUS AWARDING AND REDEEMING OF REWARD POINTS AT THE POINT OF SALE - A method and system for providing a purchase discount to a consumer. The system includes an exchange computer, a merchant computer associated with a merchant and interconnected with the exchange computer via a computer network, and an issuer computer associated with an issuer and interconnected with the exchange computer via the computer network. A consumer presents to the merchant computer an item for purchase at a regular purchase price. The merchant computer applies a discount to the regular purchase price to generate a discounted purchase price, the discount obtained by a computer-implemented process of simultaneous awarding and redeeming instant reward points with the issuer computer via an exchange computer. The merchant computer then completes the purchase transaction for the item with the consumer by using the discounted purchase price. | 10-25-2012 |
| 20120284109 | METHOD AND SYSTEM FOR ELECTRONIC EXCHANGE OF REWARD POINTS - 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. | 11-08-2012 |
| 20120290380 | REWARD TRAVEL MANAGEMENT SOFTWARE AND METHODS - There is disclosed a system, including a computer system, for managing travel points. In one embodiment, the system includes a single graphical user interface provided by a website, the single graphical user interface configured with a plurality of different rewards programs. The system includes a query tool configured to allow searching for award instance based on one of miles and points. The system includes a booking tool configured to facilitate online booking for at least one of regular fares and award redemptions. The system also includes software that determines relevant loyalty program bonus details, credit card offers, or program membership offers to feature in the search results. Other embodiments are also disclosed. | 11-15-2012 |
| 20120296728 | Digital Media Content Delivery System - Digital media content is delivered while providing security and solution interoperability. A method for delivering digital content comprises receiving information relating to a user of a loyalty program, the information including a non-monetary balance of the user and a loyalty program status of the user, computing non-monetary prices for a plurality of digital content items based on a monetary value of each digital content item, the loyalty program, and the loyalty program status of the user, and transmitting for display on a user device information representing a digital marketplace, wherein the digital marketplace has been configured to match a look and feel of a loyalty program, and wherein the information representing the digital marketplace includes information relating to at least one digital content item and the information relating to at least one digital content item includes a non-monetary price of the digital content item. | 11-22-2012 |
| 20120310725 | SYSTEM AND METHOD FOR USING LOYALTY REWARDS AS CURRENCY - The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation. | 12-06-2012 |
| 20120316950 | SYSTEM AND METHOD FOR AUGMENTATION OF RETAIL POS DATA STREAMS WITH TRANSACTION INFORMATION - Systems and methods for the capture of retail transaction data from a print data stream after it has been processed by a POS system. The data capture may take place before the data has been transmitted to a POS printer. The captured transaction data may be analyzed and encoded in a transaction-identifying, optically scannable image such as a QR code or other barcode. One or more NFC commands may transmit the captured transaction data via a NFC-transmitting device to a mobile device such as mobile phone, smart phone, mobile computer, tablet, or other device. | 12-13-2012 |
| 20120330742 | System and method to combine redemption and converted commercial fares - In one aspect thereof the exemplary embodiments provide a computer-implemented method that includes, in response to a request to redeem customer award units, processing data representing at least one commercial fare in conjunction with data representing at least one conversion rule so as to generate at least one converted redemption fare. The method further includes operating on the at least one converted redemption fare with a faring engine to output at least one travel solution calculated in award units. | 12-27-2012 |
| 20130006746 | TECHNIQUES FOR INTEGRATING SOCIAL NETWORKING REWARDS WITH THE RETAIL CHECKOUT PROCESS - A customer registers a social networking identifier with a retail loyalty program. When a customer completes a transaction at a retail establishment and provides a customer loyalty account number for the customer, a determination is made as to whether the customer can use social networking awards as part of the retail transaction. | 01-03-2013 |
| 20130054343 | TECHNIQUES FOR LOCATION-BASED PROMOTION EVALUATION - Techniques for location-based promotion evaluation are presented. A customer is identified and a current physical location of the customer is detected based on the customer's mobile device. Factors for promotion are obtained based on a predefined range surrounding the current physical location and a promotion is generated for a specific enterprise within the predefined range using the factors and then dynamically transmitted to the mobile device of the customer for redemption. | 02-28-2013 |
| 20130080239 | System and Method for Incentives - The invention relates generally to systems and methods for the non-public creation, distribution and redemption of incentive offers. More particularly, the system and method generates incentives based on parameters selectable by merchants. The system and method constructs non-public incentive offers that are delivered to one or more program registrants satisfying a designated targeting profile and associated with one or more electronic payment instruments. Incentive offers may be redeemed confidentiality by the program registrant tendering an electronic payment instrument satisfying the parameters of the incentive offer. The invention further relates to systems and methods for participants to exert control over the volume and kind of incentives received through the system and by third party entities. | 03-28-2013 |
| 20130103484 | System and Methods for Fulfilling Loyalty Points Redemption Program Rewards - Systems and methods for managing a variety of loyalty points redemption programs offered by loyalty program providers (LPPs) for providing fulfillment of loyalty points redemption program rewards to customers who are members of the loyalty points redemption program. Customers are able to redeem loyalty points for eligible goods and services offered by various suppliers and merchants associated with particular loyalty programs, especially enabled for instore pickup. A loyalty points management system hosts a portal that provides a user interface, manages multiple redemption catalogs of eligible goods/services, and manages loyalty points redemption programs for multiple LPPs. Each loyalty points redemption program is subjected to predetermined rules and regulations (business rules) that determine conditions for transactions involving loyalty points. Redeemed goods and services can be picked up by customers at store location of participating suppliers and merchants, or alternatively, can be shipped to a convenient location via a shipping service. | 04-25-2013 |
| 20130110612 | SYSTEM AND METHOD FOR ENABLING USE OF POINTS FROM A LOYALTY PROGRAM AS PAYMENT | 05-02-2013 |
| 20130117093 | METHOD AND SYSTEM TO DISCHARGE A LIABILITY ASSOCIATED WITH A PROPRIETARY CURRENCY - A method and an apparatus to discharge a liability owed to a buyer and stored in a first proprietary currency. The apparatus receives authorization from the buyer to tender the first proprietary currency to pay for an offering that is listed by a seller on a network-based marketplace. The apparatus transmits a national currency to the seller who receives the national currency as payment for the offering. The transmission at least partially discharges the liability owed to the buyer. | 05-09-2013 |
| 20130124294 | SYSTEM AND METHOD FOR MANAGING 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 |
| 20130132187 | REWARD PROGRAM SYSTEM AND METHODS OF USING SAME - A reward program system is disclosed that comprises a server hosting a database of rewards, a user interface connected to the server, and an algorithm configured to present a reward purchase opportunity to a participant upon the participant's completion of a behavior objective, and the algorithm is configured to allow a participant to purchase one or more rewards from the database wherein the participant pays at least a first portion of the reward price and a sponsor pays at least a second portion of the price. The algorithm may be configured to allow the participant to select at least two rewards from the database prior to the completion of the objective and the algorithm may establish an expiration time by which the participant may purchase or forfeit the rewards from the database. | 05-23-2013 |
| 20130151327 | Interactive Digital Rewards System and Method - Embodiments of the invention are directed to an interactive rewards computing system for facilitating usage of rewards points for obtaining rewards. The system may include a computer memory storing a digital rewards magazine, the digital rewards magazine comprising a personalized introductory account page providing access to a number of rewards points available and multiple rewards available for the number of rewards points and multiple interactive reward pages. The multiple interactive rewards pages include rewards for purchase with rewards points, a reward description and at least one additional link containing reward information specific to the reward displayed on the reward page. The system may additionally include computer processing components accessing the computer memory and executing stored instructions for performing multiple steps. | 06-13-2013 |
| 20130159086 | METHOD AND SYSTEM FOR PROVIDING LOCATION-BASED INCENTIVES AND PURCHASE OPPORTUNITIES TO REWARD PROGRAM MEMBERS - A method and system for generating and distributing incentives. An incentive server computer (ISC) receives a user identification from a mobile device that identifies an associated user. The ISC determines the location of the mobile device, and uses the user identification to determine one or more reward programs with which the user has a reward account. For each such reward program, the ISC determines if the location of the mobile device is within a predefined distance of a merchant affiliated with the reward program, and if so then generates a purchase incentive for the user to redeem at the merchant and transmits the purchase incentive to the mobile device. As a result, incentives are provided to those purchasers who are within a predefined proximity to the merchant, and who are more likely to use the incentive since they are already a member of an affiliated reward program. | 06-20-2013 |
| 20130159087 | METHOD AND SYSTEM FOR ENABLING USE OF LOYALTY PROGRAM POINTS AS FORM OF PAYMENT - A method and system for enabling use of loyalty program points as form of payment. In one preferred embodiment, the method may include the steps of receiving from an e-commerce agent, a request for a loyalty points price along with a transaction information package comprising a cash price and user identification information; sending the user identification information to a loyalty program and requesting user account authentication from the loyalty program; querying the loyalty program for a user information package comprising a cash-to-points conversion factor; calculating a loyalty points price based on the cash price and the cash-to-points conversion factor; sending to the e-commerce agent, the loyalty points price; receiving from the e-commerce agent, confirmation of transaction completion and a number of loyalty points utilized; and sending instructions to the loyalty program to debit from the updated loyalty program points balance the number of loyalty points utilized in the transaction. | 06-20-2013 |
| 20130173375 | Mortgage Matching System and Method - A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution with a reward payment amount. The method includes providing enrollment in a mortgage matching system to eligible mortgage customers, wherein eligibility requirements include the requirement that eligible mortgage customers hold both a mortgage account and a checking account with the financial institution. The method additionally includes enabling the customer to make periodic mortgage payments from the checking account to the mortgage account and monitoring continued compliance with the eligibility requirements and submission of the periodic payments using a monitoring engine implemented by at least one computer processor. The method further includes determining a reward payment amount to be made by the financial institution to each complying mortgage customer using a fulfillment engine implemented by the at least one computer processor, wherein the reward payment amount is a predetermined percentage of principal and interest. | 07-04-2013 |
| 20130185135 | SYSTEM AND METHODS FOR DISCOUNT RETAILING - A system and methods to mutually satisfy a consumer with a discount and a vendor with a minimum number of sales by establishing a tipping point associated with an offer for a good or service. If the tipping point is met, the sale of the good or service is executed and the consumer is charged and receives an indication of the discounted sale, such as a certificate. If the tipping point is not met, the discount offer is abandoned and the consumer is not charged. Once the tipping point is established, the vendor receives a payment, even before the consumer uses the certificate. The system and methods also include a reward or loyalty program, an exchange or secondary market for the purchased deals, and a matching algorithm that matches customers to relevant goods or services. | 07-18-2013 |
| 20130197988 | MANAGEMENT APPARATUS AND MANAGEMENT METHOD - When a management apparatus receives a purchase request REQ, the management apparatus obtains a rank corresponding to a member ID, and obtains member IDs of friends corresponding to the member ID. A CPU accesses a member database to obtain a rank corresponding to the member ID of each friend to specify the highest rank out of the obtained ranks. The CPU obtains a discount ratio corresponding to the highest rank. The CPU calculates an amount of payment by applying the discount ratio to an amount of money for goods or services as a purchased subject, and sends a purchase response including the amount of the payment to a communication device. | 08-01-2013 |
| 20130211903 | Online point redemption and distribution system and method. - An online point redemption and distribution system and method. The online point redemption and distribution system is used in combination with a cloud computing operating system to allow consumers and stores to do transaction online, every transaction between the consumers and the stores will be recorded as points, and then the points can be redeemed into virtual money and deposited in consumer's account. Therefore, it will enhance consumers' loyalty. The online point redemption and distribution system comprises a website operation platform and an application programming interface module. | 08-15-2013 |
| 20130218658 | Computer-Implemented Methods, Computer Program Products, and Machines 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. | 08-22-2013 |
| 20130226687 | SYSTEMS AND METHODS FOR INTERMEDIARY PRICING AND RETAIL SALES OF COMMODITIES - The present disclosure describes systems and methods for improved commodity pricing and sales. An intermediary system may contract with a plurality of providers to provide a fungible commodity to consumers at a first predetermined price. The intermediary system may also contract with a plurality of consumers to provide the fungible commodity at a second predetermined price. The intermediary system may determine the second predetermined price responsive to a customer point balance, points earned by the consumer performing one or more actions, including social networking functions, grassroots advertising, or purchasing predetermined amounts with third-party affiliated retailers. | 08-29-2013 |
| 20130262214 | DECISIONING SYSTEM BASED ON ACCOUNT BEHAVIOR AT INDIVIDUAL MERCHANT - A method and system for administering rewards is disclosed. Administering rewards comprises processing transaction data received from a transaction processor, the transaction data identifying a payment amount to be made from an account holder to a merchant; determining, at an administration processor, a reward amount of the payment amount based on an account holder profile, designee profile and a merchant profile; initiating a debit of the reward amount from an account associated with the payment to be made to the merchant; and initiating a credit of at least a portion of the reward amount to at least one different account designated by the account holder (or billing/debiting the merchant in a separate transaction). | 10-03-2013 |
| 20130268344 | Points Redemption Program Carried Out Via an On-Line Auction - An incentives points-based on-line auction method is presented that is based upon an on-line system including a catalog of potential auction items and a database of participants that are eligible to take part in the auction and the participants' associated eligible points. The method includes designating a set of auction items from the catalog of potential auction items. Thereafter, participants submit bids via on-line access for the set of auction items. The auction facilities initially prompt a participant to logon to gain access to the auction. Authorized, logged on participants are then provided access to a database describing the auction items and current bid information. | 10-10-2013 |
| 20130275200 | SYSTEM AND METHOD FOR MULTI-TIER AND REAL-TIME PRODUCT LOYALTY INCENTIVE MARKETING - The present invention generally relates to multi-tier and real-time product loyalty incentive marketing. Specifically, this invention relates to systems and methods for enabling real-time (or near real-time) product loyalty marketing (e.g., Business to Consumer, Business to Business and Consumer to Consumer) with various marketing channels (such as e-Commerce channel(s), Mobile, Social Network channel(s), Web Site channel(s) and Point of Sales (POS) channel(s)) in one or more multi-tier product loyalty campaigns. All marketing channels are fully integrated via real-time (or near real-time) incentive processing using a backend engine (web services and loyalty data servers) provided by the system. | 10-17-2013 |
| 20130275201 | APPARATUSES AND METHODS FOR A UNIVERSAL CONSUMER CARD REDEMPTION SYSTEM WITH SINGLE BUTTON REDEMPTION - 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 comprises 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, and at least one web-based interface configured to communicate with at least one universal consumer card associated with a consumer and at least one web-enabled device associated with a merchant. The at least one web-enabled device may include a single-button redemption capability, wherein a plurality of offers and redemption options are presented via a single interface. | 10-17-2013 |
| 20130282470 | SYSTEM AND METHOD FOR PROVIDING REAL-TIME LOYALTY DISCOUNTS AND PAPERLESS RECEIPTS - Systems and methods for transaction-based recordation of a new payment identifier. A payment identifier and a first user account associated with the payment identifier are received, the payment identifier and the first user account associated with a transaction. A user status associated with a user of the first user account is determined. A record is generated that includes the payment identifier, the first user account, and the user status. The record is recorded for use with subsequent transactions by the user. | 10-24-2013 |
| 20130282471 | REWARD EXCHANGE METHOD AND SYSTEM FOR EXECUTING A TRADING AGREEMENT BETWEEN MERCHANTS AND ISSUERS - An online reward exchange system including an exchange computer that interoperates 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. 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. | 10-24-2013 |
| 20130290090 | Multi-Application Smart Card Device Software Solution for Smart Cardholder Reward Selection and Redemption - A system for facilitating reward selection and redemption for a loyalty program is disclosed. The system includes a point-of-sale (POS) device that is capable of monitoring and processing a reward redemption. The POS device informs a participant of the loyalty program as to what rewards are available for redemption. The participant is given an opportunity by the POS device to select the desired reward for redemption. Alternatively, the POS device allows the participant to defer redemption of the available rewards. | 10-31-2013 |
| 20130304559 | SYSTEMS, METHODS AND DEVICES FOR CONDUCTING TRANSACTIONS WITH PORTABLE ELECTRONIC DEVICES USING VIRTUAL POINTS - Systems, methods, devices and computer program products are disclosed for conducting transactions using a portable electronic device. A method of executing a software application on a portable electronic device includes: determining, via the portable electronic device, a location of the device; displaying, via the portable electronic device's display, a plurality of merchants within a predetermined proximity of the device's location; receiving, via a user input device, a selection corresponding to at least one of the merchants; displaying, via the display device, a balance of virtual rewards points available for redemption by the user of the device; displaying, via the display device, an exchange value of the virtual rewards points for making a purchase associated with the selected merchant; and, responsive to a purchase request received via the user input device, authorizing deduction of the exchange value from the balance of the virtual rewards points and providing confirmation of the purchase. | 11-14-2013 |
| 20130304560 | ONLINE REWARD POINT EXCHANGE METHOD AND SYSTEM WITH USER BIDS OF REWARDS FOR PURCHASE OF A PRODUCT - 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. | 11-14-2013 |
| 20130304561 | SYSTEMS AND METHODS FOR PROVIDING A USER INCENTIVE PROGRAM USING SMART CARD TECHNOLOGY - 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. | 11-14-2013 |
| 20130317900 | SYSTEM AND METHOD FOR PROVIDING REWARD PROGRAMS AS AN ELECTRONICALLY MEDIATED SERVICE - A method and system include a server module that provides reward as a service to customers via an electronics communications network. The customers then use separate and customized reward system software authorizations to generate, manage and issue reward account information to recipients. The deployment of the invented software may be accomplished by means of a plurality of client software operating on separately addressable client machines. The server module may be adapted to offer distinguishable groups of reward choices via different software interfaces. The invented method optionally offers an application program interface that enables communication between each configurable and configured client software and a rewards application server. The optional rewards application server is adapted to directly or indirectly fulfill reward issuance requests. | 11-28-2013 |
| 20130325580 | TECHNIQUES FOR CONTROLLING REDEMPTION OF OFFERS - Techniques for controlling redemption of offers are provided. A checkout process is detected having multiple offers associated with an item or items being purchased. Each offer is evaluated based on custom rules and some, all, or portions of the offers are selectively applied to a retail price for the item to arrive at a final price for the item during the checkout process. | 12-05-2013 |
| 20130339124 | METHOD AND SYSTEM FOR TRANSFERRING VALUE USING REWARDS - A method and system for transferring gift points to a recipient. An exchange computer redeems reward points designated by a user from a user reward point account stored on an associated reward server computer. The exchange computer requests a stored value issuer computer to fund a stored value account on behalf of the recipient in an amount equal to the gift points, the stored value account identified by a stored value account number. The exchange computer generates a bar code symbol encoded with a designation of the gift points and the stored value account number. The exchange computer sends to the recipient an online link to the bar code so that the recipient operating a computing device can use the online link to retrieve the bar code from the exchange computer. | 12-19-2013 |
| 20130346180 | SYSTEMS AND METHODS FOR BENEFITS TRACKING AND ALLOCATION - Methods and systems for benefits tracking and allocation are disclosed. One system includes a benefits server comprising a database including stored customer accounts associated with at least one member having at least one member server. The benefits server is configured to communicate with the at least one member server via a network, and retrieve customer transaction data from the at least one member server, the customer transaction data indicative of interactions between the at least one member and customers of the at least one member. The benefits server is further configured to extract customer information from the customer transaction data, search the database for the customer transaction data, and, when the customer information is found in the database, update a customer account in the database with the customer transaction. | 12-26-2013 |
| 20140006136 | EXPEDITED REGISTRATION AND PROCESSING OF OFFERS AT A POINT OF TRANSACTION | 01-02-2014 |
| 20140012653 | GEOGRAPHIC LOYALTY SYSTEM AND METHOD - The invention facilitates a loyalty system which is associated with pre-determined geographic locations and/or services and goods offered in a specific geographic area. The system is configured with one product platform with a modularized approach to facilitate the development of market specific rewards and communication materials. The loyalty points may be earned within a specific geographic location, then redeemed in one geographic location, a subset of locations or without restrictions. Similarly, the loyalty points may be earned in one geographic location, a subset of locations or without restrictions, then redeemed only in a specific geographic location. The geographic features of the system may be implemented using existing data that is associated with geographic areas such as, for example, zip codes, retailer identification codes, service establishment codes and/or the like. The geographic area information may be associated with the consumer, merchant, processing system and/or any other part of the overall system. | 01-09-2014 |
| 20140025474 | METHOD AND APPARATUS FOR DISTRIBUTING ELECTRONIC COUPONS - A computer implemented method, data processing system, and computer program product for distributing and redeeming manufacturer coupons for a product purchase in a retail environment. The data processing system of a retailer (hereinafter the loyalty coupon system) receives an electronic coupon from a manufacturer. The loyalty coupon system links the product to the inventory control system of the retail environment. The loyalty coupon system then targets the electronic coupon to customers that have subscribed to the loyalty coupon system. The coupon system provides for the communication of the product coupon directly to each subscribed customer on the list. Upon a customer selecting the coupon, the loyalty coupon system configures a customer reward. Upon the customer purchasing the product using their loyalty card, the loyalty coupon system disburses the customer reward at the point of sale. The manufacturer is billed for the redeemed coupon. | 01-23-2014 |
| 20140040003 | PAYMENT METHOD DECISION ENGINE - A computerized system and method that enables identifying the best payment currency for a product or service is disclosed. Payment currencies include cash, reward programs and the unit or currency in which reward programs are denominated, and combinations thereof. A single product search request initiates searches of multiple payment currencies. Availability, discounts, prices, comparable costs, net values and relative values are determined and/or calculated per each payment currency. Comparable cost, relative value, or other criteria, may be used to determine the best payment method, that is, the lowest cost in a common currency, such as cash. Determination of the best payment currency is accomplished in “real-time” and has an advantage of leveraging quantitative and qualitative analysis in its determination. In addition, the search may be personalized by adding information unique to each user. | 02-06-2014 |
| 20140052525 | ONLINE REWARD POINT EXCHANGE METHOD AND SYSTEM WITH AUTOMATIC REWARD REDEMPTION SOLUTIONS - 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. | 02-20-2014 |
| 20140052526 | SYSTEM AND METHOD FOR GOAL BASED SAVINGS - A method, performed by a server, for incentivizing school performance includes receiving score information corresponding to a student from a first user terminal and adding score information to a student profile corresponding to the student in a database. A credit adjustment value is calculated based on the received score information and a new total number of credits stored in the student profile is set to a sum of the credit adjustment value and a total number of credits previously stored in the student profile. A request for merchant offer information corresponding to the student profile is received from a second user terminal. For at least one merchant, a respective merchant offer is generated according to at least a portion of the total number of credits set in the student profile and information corresponding to the merchant. | 02-20-2014 |
| 20140058821 | METHODS AND SYSTEMS FOR PAYING WITH LOYALTY CURRENCY DURING ONLINE PAYMENT - Methods and systems for paying with loyalty currency at a merchant website by a user using a browser app are provided. The user is presented with the loyalty currency balance information based on the loyalty currency units available in the loyalty currency account. Thereafter, the user is presented with an option to pay for the purchase transaction using the loyalty currency. The user may select the option of paying for the purchase transaction using the loyalty currency, thereby redeeming the loyalty points. | 02-27-2014 |
| 20140067511 | System and Method for Providing Mobile Prepaid/Loyalty Programs - A network communications system is provided for operating a loyalty points or pre-paid value program. The system may include, but is not limited to, a retail device that provides machine-readable encoded information representing a uniform resource identifier and transaction information, and that receives redemption information from a customer device. The system may also include a remote server, that supports the loyalty points/pre-paid value program for many retailers. The server may be associated with the uniform resource identifier, and be configured to receive the transaction information from the customer device, and to transmit the redemption information to the customer device. The customer does not need to download any specific customer application to participate in the program. | 03-06-2014 |
| 20140074581 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR MANAGING SERVICE PROVIDER LOYALTY PROGRAMS - Methods, systems and computer program products are provided for managing service provider loyalty programs. Loyalty program information associated with a service provider is generated. The loyalty program information defines a loyalty program. An electronic loyalty card based on the loyalty program is stored at the mobile device after enrollment of the mobile device. The loyalty program information associated with the loyalty card is enabled to be redeemed at a transaction location, and the loyalty program information is reconciled between the service provider and the mobile device. | 03-13-2014 |
| 20140095289 | METHOD AND APPARATUS FOR FACILITATING AN ONLINE TRANSACTION - The present invention relates to an electronic transaction system that facilitates electronic transactions where one or more initial transactions and one or more subsequent transactions are carried out. The subsequent transactor accrues a certain amount of credit based on the value and/or nature of the subsequent transaction. The subsequent transactor must then allocate the accrued credit to an initial transactor or initial transaction, or this may be carried out automatically for them to random initial transactors. In return, the initial transactor may accrue further credit in an even more subsequent transaction, and allocate it to the subsequent transactor, thereby repaying the favour. | 04-03-2014 |
| 20140100939 | REWARD EXCHANGE METHOD AND SYSTEM WITH CONTROL OF EXCHANGED REWARDS AND MONETARY CONSIDERATION - An item may be purchased using a combination of rewards and monetary consideration, wherein a maximum allowable reward payment portion (or correspondingly a minimum monetary consideration amount) is established by the merchant, the reward issuer, or an online reward exchange operator. The user may select, using for example a user interface slider control, the desired number of rewards to redeem (up to the maximum allowable amount) and the corresponding monetary consideration portion is displayed. The transaction may then be executed wherein the selected rewards are redeemed and the balance is paid for with the corresponding monetary consideration. | 04-10-2014 |
| 20140122213 | SYSTEM AND METHOD FOR COMPARING INCENTIVE PROGRAMS - A method of comparing reward programs is provided. The method comprises retrieving reward program benefit rules of use for a least one card from a first computing device, creating a user profile at a second computing device, calculating a cash value for each credit card of the at least one credit card, according to the user profile and the reward program benefit rules of each credit card, and displaying the cash value. The user profile comprises a user's card information and a user's desired usage of the user's at least one credit card. | 05-01-2014 |
| 20140122214 | METHOD AND SYSTEM FOR USING THIRD PARTY REWARD POINTS TO PAY FOR AN ITEM VIA A SEARCH ENGINE - A system and method for implementation of product searches via a search engine over a networked computer system such as the Internet. In particular, a user may execute a search for product offers that are accompanied with reward components (e.g. reward points, rebates, coupons, etc.) and/or those that allow payment in whole or in part with payment components (e.g. reward points, rebates, coupons, etc.). | 05-01-2014 |
| 20140129314 | SYSTEMS AND METHODS TO FACILITATE THE REDEMPTION OF LOYALTY CURRENCY - Systems and methods configured with a user interface to allow a user to request automated periodic offers that provide benefits to the consumer account of the user in exchange for a loyalty currency (e.g., loyalty points) the user has earned. | 05-08-2014 |
| 20140149199 | METHOD FOR A CHEATING-PROOF USER EXPERIENCE BASED LOYALTY PROGRAM AND A COMPUTER PROGRAM PRODUCT FOR ASSIGNING LOYALTY POINTS TO USERS - Method for a cheating-proof user experience based loyalty program and a computer program product for assigning loyalty points to users. | 05-29-2014 |
| 20140149200 | DYNAMIC REWARDS PROGRAM - The systems are generally configured to provide rewards. The systems are capable of syncing transaction accounts with one or more reward programs and one or more channels. Moreover, the systems are capable dynamically provisioning rewards in one or more subsets to a rewards program to distribute high, medium and low value rewards to a reward program throughout the duration of the program. | 05-29-2014 |
| 20140172536 | ALTERNATIVE DISTRIBUTION OF REWARDS IN A PURCHASE OFFER AND REWARD SYSTEM - Embodiments of the invention are directed to systems, methods and computer program products for alternative means for rewards distribution in a purchase offer and rewards program, such as a cash-back merchant offer program implemented by a financial institution. In present embodiments of the invention, rewards distribution is not limited to accounts held at the entity implementing the purchase offer and rewards program, but rather, rewards may be applied to accounts that are external from the entity implementing the purchase offer and rewards program. Further, rewards distribution is not limited to accounts held by the customer, but rather, rewards may be applied to accounts, both internal and/or external, held by individuals or entities other than the customer. In addition, rewards distribution may provide for the rewards to be applied to an account associated with a pre-paid credit card or the like. | 06-19-2014 |
| 20140188589 | Price Match Loyalty Program - The present invention extends to methods, systems, and computer program products for providing a price match loyalty program at a retail location. For example, the price match loyalty program can be provided by a fuel station chain as an incentive to its customers by ensuring that the fuel at each station of the chain is at least as inexpensive as at other competitors in the area. The price match loyalty program can be offered for gasoline, diesel, natural gas, biofuels, or any other type of fuel. The price match loyalty program can also be offered for goods other than fuel. | 07-03-2014 |
| 20140249910 | METHOD AND SYSTEM FOR REDEEMING REWARDS TO FUND A PAYMENT CARD ACCOUNT - A transaction aggregator aggregates a plurality of transaction account charges for a user transaction account. The transaction charges are received from merchants for acquisitions made by a user. The user is offered an option to make at least a partial payment to the user transaction account by redeeming rewards from at least one user reward account associated with a rewards issuer. A reward redemption instruction is received from the user, the reward redemption instruction designating the redemption of rewards from at least one user reward account. | 09-04-2014 |
| 20140278897 | RETROACTIVE REWARDS BASED RECOMMENDATION OF PAYMENT VEHICLE TO INDIVIDUAL PRODUCTS OF A TRANSACTION - Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction on a product-by-product basis based on available rewards for each product. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. The invention may then apply individual products of the transaction to different recommended payment vehicles based on the maximum rewards each product may receive if applied to that payment vehicle. Once each product of the transaction has been reassigned to a recommended payment vehicle, the temporary line of credit may be terminated. | 09-18-2014 |
| 20140278898 | SYSTEMS AND METHODS FOR DETERMINING CHARGES RELATED TO THE DELIVERY OF A PARCEL - Systems and methods for determining charges for parcels requested by users for delivery to attended delivery/pickup locations. In various embodiments, the system is configured for determining a charge based at least in part on user information, which may include, for example, a frequency with which a user requests delivery to the attended delivery/pickup location, a loyalty of the user to a particular common carrier, purchases made by the user at a brick-and-mortar retail location associated with the attended delivery/pickup location, purchases made by the user at an online retail website that the user elects to have delivered to the attended delivery/pickup location, etc. | 09-18-2014 |
| 20140278899 | MULTI-APPLICATION SMART CARD DEVICE SOFTWARE SOLUTION FOR SMART CARDHOLDER REWARD SELECTION AND REDEMPTION - A system for facilitating reward selection and redemption for a loyalty program is disclosed. The system includes a point-of-sale (POS) device that is capable of monitoring and processing a reward redemption. The POS device informs a participant of the loyalty program as to what rewards are available for redemption. The participant is given an opportunity by the POS device to select the desired reward for redemption. Alternatively, the POS device allows the participant to defer redemption of the available rewards. | 09-18-2014 |
| 20140278900 | CONSUMER DATABASE LOYALTY PROGRAM FOR A MONEY TRANSFER SYSTEM - A money transfer system provided in connection with a loyalty program where the loyalty program members are assigned a loyalty identifier. The system includes point of entry ports to communicate transaction information with points of entry; a promotion database, a customer database, a pricing database, an analytics port to communicate marketing information with a marketing analytics system and a transaction processing system. The transaction processing system updates the promotion database as a function of the marketing information, receives money transfer transaction requests including loyalty identifiers, determines whether the requested transactions are entitled to loyalty program promotions, prices the transactions as a function of base transaction pricing and promotions pricing of any promotions to which the transaction is entitled, provides the transaction pricing information, updates the customer database as a function of transaction information and periodically provides transaction information to the analytics port. | 09-18-2014 |
| 20140310089 | Fuel Reward and Loyalty Space System and Method - A fuel-based consumer reward and loyalty space system and method in which a consumer can earn points towards a reward card with a predetermined dollar balance to be used to purchase fuel at the gasoline brand of their choice. The merchant can set up predetermined categories, or no categories at all, in which to allow a consumer frequenting the merchant to earn loyalty points. The consumer uses a loyalty token at the register to identify themselves and earn points upon purchasing products, with the point value set by the merchant. The points earned from each purchase are added to the consumer's account, stored in a database. Points are aggregated in the consumer's account across all participating merchants. Once the consumer's points reach a predetermined amount, such as 2,550 points, the consumer is automatically awarded a reward card with a predetermined reward amount added to the card. If the consumer already has a reward card, the predetermined amount is automatically added to the existing reward card in real-time, without any action on the part of the consumer. | 10-16-2014 |
| 20140310090 | METHOD AND SYSTEM FOR MAKING DONATIONS TO CHARITABLE ENTITIES - A system for a user making a donation to a third party by redeeming reward points, including an issuing bank computer storing a user credit/debit card account and a user reward point account, and a funds processor programmed to send a web page to a user device querying the user if a donation should be made to a third party, receive a donation request from the user device to be funded by redeeming reward points; process the donation request with the issuing bank computer by requesting it to redeem reward points in order to fund the donation by reducing the number of reward points in the user reward point account, and providing payment to the funds processor of a monetary value corresponding to the reward points reduced; and convey the monetary value to an account associated with the third party. | 10-16-2014 |
| 20140316876 | METHOD AND SYSTEM FOR THE MORE EFFICIENT UTILIZATION AND CONSERVATION OF ENERGY AND WATER RESOURCES - A method of and system for providing an incentive program for conserving a consumable resource such as electricity, natural gas, oil, air or water. The present invention monitors utilization of the resource at a location, and then determines a type and quantity of variable resource points to be provided to an account associated with the location or with a participant by analyzing the monitored resource utilization with respect to a plurality of varying conditions (time-variant, location-variant, cost-variant etc.). These conditions may be independent or interdependent; these relationships will be incorporated into the calculations resulting in the award of the type and quantity of resource points determined by the Program. The resource points are then stored in an account associated with the location or with a participant for future use. | 10-23-2014 |
| 20140324565 | MOBILE ECOMMERCE PLATFORM - A method and system is disclosed for providing dynamic group-based retail events in an m commerce platform. The method includes registering merchant-users and consumer-users, receiving a merchant profile, defining a group of consumer-users, wherein the group is time-limited and geographically limited, obtaining consent from a merchant-user to market and advertise an item to the group, determining a offer price for said item, generating an advertisement to present said offer price to each consumer-user of the group, transmitting said advertisement over a network for a predetermined period of time for each consumer-user of the group to review, receiving an acceptance of the offer price for the item, generating a redeemable voucher having a unique transaction identification and a scannable code and accepting the redeemable voucher. | 10-30-2014 |
| 20140330631 | SYSTEM AND METHOD FOR ADMINISTERING A LOYALTY PROGRAM AND PROCESSING PAYMENTS - The present invention is directed to a system and method for administration of a customer loyalty program at a point of sale terminal. The system, in one embodiment, contains a database of customer records for the loyalty program where each customer record contains information about a customer's payment device and information about a customer's mobile device. The system may locate a customer record in a database based on payment device or mobile device information captured at the point of sale terminal and apply any applicable loyalty program discounts. The system may then forward the payment device information to a third-party payment processor for payment processing. The system may print out a receipt at the point of sale terminal indicating any discounts and containing a promotional message. The system may also send a promotional message to the customer's mobile device using the mobile device information stored in the customer's record. | 11-06-2014 |
| 20140358663 | SYSTEM AND METHOD FOR CONTEXT DIFFERENTIAL REDEMPTION - The invention provides systems and methods for administering a rewards program in which a discount is offered to participants, and in which individuals redeem earned points at a personalized redemption rate. Points are earned by both shopping and social media activity. The personalized redemption rate is determined according to the activity of a user. The rewards program preferably includes real-time earning of points and real-time price reductions. In certain aspects, the invention provides a method of influencing consumer behavior that includes using a computer system for giving consumers reward points for performing activities, determining a redemption rate for each consumer, offering the consumers a discount on a purchase, and—for each consumer that accepts the offer—depleting that consumer's reward points by an amount inversely proportional to that consumer's redemption rate. | 12-04-2014 |
| 20140358664 | METHOD AND SYSTEM FOR PURCHASE AND PROMOTION INCENTIVE - The invention provides systems and methods for administering a rewards program in which points are earned by both shopping and social media activity. The rewards program preferably includes real-time earning of points and real-time price reductions. In certain aspects, the invention provides a method of influencing consumer behavior that includes using a computer system for giving consumers reward points for performing activities that include both online shopping and online brand promotion, offering the consumers a discount on a purchase, and—for each consumer that accepts the offer—depleting that consumer's reward points by an amount. | 12-04-2014 |
| 20140365291 | UNIVERSAL LOYALTY PROGRAM - The performance of obligations is facilitated with respect to a discount received via a loyalty program. For example, the performance of the obligations can be facilitated via: managing information regarding the obligation of a user of the loyalty program; determining a path to satisfaction of the obligation based on a location of a mobile device associated with the user; and producing a notification regarding fulfillment of the obligation based on the path. | 12-11-2014 |
| 20140365292 | METHOD AND SYSTEM FOR WIRELESS TRACKING OF A PORTABLE DEVICETHROUGHOUT A PREMISES - 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. | 12-11-2014 |
| 20140365293 | POINT OF SALE DEVICE FOR ONLINE REWARD POINT EXCHANGE METHOD AND SYSTEM - An online reward exchange system and method, with an exchange computer that interoperates 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. 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 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. | 12-11-2014 |
| 20140365294 | 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. | 12-11-2014 |
| 20140365295 | REWARD EXCHANGE METHOD AND SYSTEM IMPLEMENTING DATA COLLECTION AND ANALYSIS - A method of operating a data collection and analysis system. An exchange computer receives customer identification data associated with a customer. A quantitative analysis algorithm determines whether the exchange computer has received an amount of customer identification data sufficient for the customer to be uniquely identified, and if so, then a linking service computer or a plurality of remote database computers perform a qualitative analysis algorithm with the customer identification data to determine if the customer identification data is sufficient for the customer to be uniquely identified. If the qualitative analysis algorithm passes, then customer information may be retrieved from the remote databases and collated and analyzed at the exchange computer. The customer may automatically register with reward programs using already-entered user information. A data analysis embodiment enables offers to be generated that are tailored towards specific users. | 12-11-2014 |
| 20140372197 | SYSTEMS, APPARATUSES AND METHODS FOR PROVIDING A PRICE POINT TO A CONSUMER FOR PRODUCTS IN AN ELECTRONIC SHOPPING CART OF THE CONSUMER - Systems, apparatuses and methods for dynamic targeting of advertising campaigns to consumers are described, which systems, apparatuses and methods may enable a merchant to offer an exclusive price point to one or more consumers that may be particularly receptive to the exclusive price point. An example system for providing an exclusive price point to a consumer for products in an electronic shopping cart of the consumer includes a processor, storage, and memory with instructions for hosting an electronic marketplace, gathering and generating product and consumer data, and/or providing affinity data to a merchant for use in targeting an advertising campaign. | 12-18-2014 |
| 20140372198 | APPARATUS AND METHOD FOR COLLECTING AND MANIPULATING TRANSACTION DATA - Described herein are apparatus and methods for collecting and manipulating transaction data. For example, presented herein is an apparatus including: a first I/O port configured for connection to a point of sale device; a second I/O port configured for connection to a transaction recording device, wherein, as identified to the point of sale device, the apparatus is a proxy for the transaction recording device, and as identified to the transaction recording device, the apparatus is a proxy for the point of sale device, in at least a first operating mode; a processor; and a non-transitory computer readable medium storing instructions thereon, wherein the instructions, when executed, cause the processor to, upon connection of the first I/O port to the point of sale device and connection of the second I/O port to the transaction recording device: intercept information passed from the point of sale device connected to the first I/O port; identify, from the intercepted information, a particular type of data stream; after identifying the particular type of data stream, collect, from the intercepted data, data associated with the identified data stream; identify, from the data associated with the identified data stream, transaction data; and provide (e.g., to an external computing device) the transaction data. | 12-18-2014 |
| 20140379454 | Systems and Methods for Controlling a Coupon Redemption Characteristic - Systems and methods for controlling redemption of an electronic coupon involve issuing an electronic coupon with a predetermined redemption characteristic and later updating the redemption characteristic of the electronic coupon based on one or more factors. | 12-25-2014 |
| 20150046245 | MOBILE SYSTEM AND METHOD FOR EXCHANGING POINT VALUE - A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account. | 02-12-2015 |
| 20150088633 | SYSTEMS AND METHODS TO REDEEM LOYALTY REWARDS DURING PAYMENT TRANSACTIONS - A system including a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing a user of a payment account, into separate transactions with the issuer processor and one or more sponsor processors in control of reward accounts of the user for the redemption of loyalty rewards. User preferences and rules of the loyalty programs for the redemption of the loyalty rewards are stored to facilitate the determination of the redemption details in an automated way, such that the user (and/or the merchant) does not have to specify the redemption details. A portal may optionally notify the user of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant. | 03-26-2015 |
| 20150120428 | MOBILE-ENABLED COMMERCE SERVICE AGGREGATION - Mobile payment systems and methods allow a customer to make payments at a point-of-sale device using their mobile device. In the mobile payment method, a single bundle of transaction information is received at an aggregator server from a mobile device and the server creates a bundle ID for the received bundle. The bundle ID is sent to the mobile device, which presents it to the POS device. The POS device sends the received bundle ID back to the aggregator server and, if the bundle ID matches the expected ID, then payment processing is initiated according to preferences outlined in the transaction information. | 04-30-2015 |
| 20150120429 | SYSTEMS AND METHODS TO PROVIDE A USER INTERFACE FOR REDEMPTION OF LOYALTY REWARDS - A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message. | 04-30-2015 |
| 20150149271 | SYSTEM AND METHOD OF REDEEMING LOYALTY POINTS AT A POINT OF SALE - The systems and methods for redemption of loyalty points to satisfy a transaction are provided. The systems and methods may include APIs that are capable of determining a balance of loyalty points in response to initiation of a payment transaction at the POS. The system may also include APIs that are configured to authorize the transaction. In this regard, the APIs may initiate their requests such that, the results of the requests (e.g., the loyalty point balance and the authorization) are received at substantially the same time. | 05-28-2015 |
| 20150149272 | SYSTEMS AND METHODS TO COMMUNICATE LOYALTY REWARD INFORMATION DURING PAYMENT TRANSACTIONS - A system and method configured to use an authorization messaging system for payment processing to communicate, in real time during authorization of a payment transaction, loyalty reward information, such as reward balance and conversion rate between a loyalty currency and a payment currency. For example, loyalty currency conversion rate is provided in real time via the authorization response that also provides the loyalty currency balance that is redeemable for the payment transaction. The system and method allows the conversion rate to be customized and/or personalized based on the identities of the user, the merchant and the loyalty program. Merchant may provide add-on offers for certain users. | 05-28-2015 |
| 20150379550 | IDENTIFYING AND DISPENSING SPECIAL OFFERS BASED ON CURRENT AND/OR PAST TRANSACTIONS - 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. | 12-31-2015 |
| 20160034943 | METHOD FOR PROVIDING STAMP SERVICE BASED ON BEACON SIGNAL - A method for providing a service through a stamp service server, includes: receiving user information and beacon information from a user terminal, wherein the user terminal recognizes a beacon signal output from a beacon device and transmits the beacon information contained in the beacon signal; extracting stamp information matching the received user information on a stored database; providing the extracted stamp information to a POS (Point Of Sale) corresponding to the beacon information; receiving stamp saving information or stamp use information from the POS terminal; and generating or updating stamp information matching the user information included in the stamp saving information or the stamp use information. | 02-04-2016 |
| 20160055514 | SYSTEMS AND METHODS FOR SUGGESTING FINANCIAL ACCOUNT CARDS STORED ON A WIRELESS DEVICE - A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information. | 02-25-2016 |
| 20160078466 | MANAGING LOYALTY REWARDS - A loyalty rewards management system includes a server, which includes a database including current values of loyalty points customers have available for redemption with vendors from whom the customers have earned loyalty points, wherein each of the current values of loyalty points corresponds to a particular customer and a particular vendor. The server also includes an interaction tracker that is configured to record an interaction between the customer and the vendor. The system also includes a vendor device and a customer device. The customer device includes a location determining system that is involved in a determination of whether the customer device is in proximity to the vendor device. The interaction tracker is configured to receive interaction information from the customer device and/or the vendor device and update the current value of loyalty points corresponding to the customer and the vendor based thereon. | 03-17-2016 |
| 20160078467 | Kids' Loyalty and Rewards Program - The present disclosure relates generally to vendor loyalty and reward programs. The programs generally comprise purchasing a qualified item from a participating vendor, obtaining a loyalty card comprising a code, entering the code to obtain a value that may be redeemed for a reward. More specifically, the disclosure relates to vendor loyalty and reward programs targeting younger customers in the context of food purchases. | 03-17-2016 |
| 20160093195 | Parallel Hand Hygiene Compliance System - In combination a group compliance system for monitoring hand-hygiene compliance of a plurality of persons using a plurality of hand cleaning fluid dispensers in facilities together with a personal compliance system for monitoring hand-hygiene compliance of an individual person of the dispensers within the facilities, however, with the individual person having control as to the extent that any data regarding their identity and hygiene events are disclosed to others. | 03-31-2016 |
| 20160098744 | METHOD AND SYSTEM FOR PROVIDING LOCATION-BASED INCENTIVES AND PURCHASE OPPORTUNITIES TO REWARD PROGRAM MEMBERS - A method and system for generating and distributing incentives. An incentive server computer (ISC) receives a user identification from a mobile device that identifies an associated user. The ISC determines the location of the mobile device, and uses the user identification to determine one or more reward programs with which the user has a reward account. For each such reward program, the ISC determines if the location of the mobile device is within a predefined distance of a merchant affiliated with the reward program, and if so then generates a purchase incentive for the user to redeem at the merchant and transmits the purchase incentive to the mobile device. As a result, incentives are provided to those purchasers who are within a predefined proximity to the merchant, and who are more likely to use the incentive since they are already a member of an affiliated reward program. | 04-07-2016 |
| 20160104187 | SYSTEMS AND METHODS FOR CHANGING OPERATION MODES IN A LOYALTY PROGRAM - A method for changing operation modes includes receiving disaster information from trending data, a newsfeed, or an alert message; upon detecting at least one redirection trigger from the disaster information, configuring a loyalty system to operate in a redirection mode; receiving or accessing data associated with a transaction between a customer and a merchant; determining, from at least one of customer information and merchant information in the data associated with the transaction, a donation amount and a location associated with the transaction; when the loyalty system is configured to operate in a redirection mode, generating signals to cause accrual of at least a portion of the donation amount to a redirection account based on the location associated with the transaction; and generating signals to cause accrual of any remaining portion of the donation amount to one or more defined donation accounts based on charity catchment area parameters. | 04-14-2016 |
| 20160110753 | SYSTEM AND METHOD FOR ADMINISTERING A LOYALTY PROGRAM AND PROCESSING PAYMENTS - The present invention is directed to a system and method for administration of a customer loyalty program at a point of sale terminal. The system, in one embodiment, contains a database of customer records for the loyalty program where each customer record contains information about a customer's payment device and information about a customer's mobile device. The system may locate a customer record in a database based on payment device or mobile device information captured at the point of sale terminal and apply any applicable loyalty program discounts. The system may then forward the payment device information to a third-party payment processor for payment processing. The system may print out a receipt at the point of sale terminal indicating any discounts and containing a promotional message. The system may also send a promotional message to the customer's mobile device using the mobile device information stored in the customer's record. | 04-21-2016 |
| 20160132920 | METHOD AND SYSTEM FOR IMPLEMENTING AN 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. | 05-12-2016 |
| 20160180370 | Loyalty Reward System and Method | 06-23-2016 |
| 20160189197 | INTERACTIVE LOYALTY PROGRAM UTILIZING DYNAMIC LOYALTY POINT CONVERSION - A system is configured to determine a conversion rate associated with a loyalty program offered by a merchant. The conversion rate may specify a monetary value allotted to a loyalty point in the loyalty program. The conversion rate, associated with the loyalty program, may change over time. The conversion rate may be determined without user input specifying the conversion rate. The system is configured to receive an instruction to lock the conversion rate for a period of time; lock the conversion rate as a locked conversion rate for the period of time based on the instruction; and permit the locked conversion rate to be used to apply a discount to a purchase during the period of time. The locked conversion rate at a time of the purchase may be different from the conversion rate offered by the loyalty program at the time of the purchase. | 06-30-2016 |
| 20160189224 | METHOD AND SYSTEM FOR ENABLING REFINING DELIVERY OF ADVERTISEMENTS - The present disclosure provides a method and system for refining delivery of one or more advertisements in a content seen by one or more users. The method includes displaying the one or more advertisements in the content viewed by the one or more users, receiving a first input based on a first pre-defined criterion, collecting a second input based on a second pre-defined criterion and enabling a decision of refining the one or more advertisements. The first pre-defined criterion is based on a first interaction of a user of the one or more users with the one or more advertisements and a second interaction of the one or more users with the one or more advertisements. The second pre-defined criterion is based on skipping of a repetitive advertisement from the one or more advertisements. | 06-30-2016 |
| 20160379242 | METHOD AND SYSTEM FOR POST AUTHORIZATION PAYMENT OF TRANSACTIONS USING LOYALTY POINTS - A method for confirming post-authorization erasure of a transaction payment using reward points includes: storing account profiles including data related to reward accounts, each including an account identifier and point amount; receiving a transaction message associated with a payment transaction, the message including a specific account identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; calculating a point cost based on the transaction amount; identifying an authorization reference key associated with the payment transaction and specific account profile; identifying a unique identifier associated with the authorization reference key; storing an authorization record including authorization reference key and unique identifier; generating a request message including the identified unique identifier one of: the point cost and transaction amount; and transmitting the request message to a consumer associated with the specific account profile. | 12-29-2016 |
| 20190147479 | INTEGRATING CUSTOM BENEFITS INTO AN IN-USE COMMUNICATION TRANSMISSION EXCHANGE | 05-16-2019 |
