Systems and methods for providing location-based gaming rewards
First Claim
1. A computer-implemented method for providing an offer associated with a merchant to a cardholder engaging in a game, said method implemented using a gaming rewards computer system in communication with a memory, said method comprising:
- storing merchant game data for the merchant within the memory, wherein the merchant game data includes game data associated with a merchant game application, a location of the merchant, and a predetermined distance associated with the merchant location;
receiving, by the gaming rewards computer system, a game request message from a cardholder computing device associated with the cardholder, wherein the game request message includes a cardholder locator identifying a location of the cardholder, the cardholder locator determined by the cardholder computing device based on at least one of GPS functionality, WiFi positioning, radio frequency location, proximity sensing, and a merchant identifier scanned by the cardholder computing device;
comparing, using the gaming rewards computer system, the cardholder locator in the game request message with the merchant location stored in the memory to determine whether the cardholder computing device is located within the predetermined distance of the merchant location;
retrieving from the memory, based on a determination that the cardholder computing device is within the predetermined distance of the merchant location, by the gaming rewards computer system, the game data;
uploading the game data to the cardholder computing device to cause the merchant game application to be installed on the cardholder computing device;
receiving from the cardholder computing device, by the gaming rewards computer system, a game result message, the game result message generated in response to the cardholder playing the merchant game application and including a game result achieved by the cardholder;
determining, by the gaming rewards computer system, based on at least one of i) the game result in the game result message, ii) a game type of the merchant game application, and iii) a characteristic of a payment card of the cardholder, a merchant offer associated with a product offered for purchase by the merchant;
transmitting, by the gaming rewards computer system, the merchant offer to the cardholder computing device in response to receiving the game result message to cause the merchant offer to be displayed on the cardholder computing device; and
associating the merchant offer with a profile of the cardholder at an interchange network computing device associated with an interchange network, wherein, when the cardholder initiates a transaction with the merchant over the interchange network using the payment card, the interchange network computing device associated with the interchange network automatically applies the merchant offer to the transaction, and wherein the interchange network computing device is configured to process payment card transactions including the transaction initiated with the merchant over the interchange network using a set of proprietary communication standards for the exchange of transaction data and the settlement of funds between financial institutions that are members of the interchange network.
1 Assignment
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Accused Products
Abstract
A computer-implemented method for providing an offer associated with a merchant to a cardholder engaging in a game is implemented by a gaming rewards computer system in communication with a memory. The method includes storing merchant game data for the merchant within the memory wherein the merchant game data includes data associated with a merchant game a merchant offer and a location of the merchant, receiving a game request message from a cardholder computing device associated with the cardholder wherein the game request message includes a cardholder locator identifying a location of the cardholder, providing the merchant game to the cardholder computing device when the cardholder location is within a pre-defined distance of the merchant location, receiving a game result message for the merchant game, and providing the merchant offer to the cardholder computing device based, at least in part, on the game result message.
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Citations
18 Claims
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1. A computer-implemented method for providing an offer associated with a merchant to a cardholder engaging in a game, said method implemented using a gaming rewards computer system in communication with a memory, said method comprising:
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storing merchant game data for the merchant within the memory, wherein the merchant game data includes game data associated with a merchant game application, a location of the merchant, and a predetermined distance associated with the merchant location; receiving, by the gaming rewards computer system, a game request message from a cardholder computing device associated with the cardholder, wherein the game request message includes a cardholder locator identifying a location of the cardholder, the cardholder locator determined by the cardholder computing device based on at least one of GPS functionality, WiFi positioning, radio frequency location, proximity sensing, and a merchant identifier scanned by the cardholder computing device; comparing, using the gaming rewards computer system, the cardholder locator in the game request message with the merchant location stored in the memory to determine whether the cardholder computing device is located within the predetermined distance of the merchant location; retrieving from the memory, based on a determination that the cardholder computing device is within the predetermined distance of the merchant location, by the gaming rewards computer system, the game data; uploading the game data to the cardholder computing device to cause the merchant game application to be installed on the cardholder computing device; receiving from the cardholder computing device, by the gaming rewards computer system, a game result message, the game result message generated in response to the cardholder playing the merchant game application and including a game result achieved by the cardholder; determining, by the gaming rewards computer system, based on at least one of i) the game result in the game result message, ii) a game type of the merchant game application, and iii) a characteristic of a payment card of the cardholder, a merchant offer associated with a product offered for purchase by the merchant; transmitting, by the gaming rewards computer system, the merchant offer to the cardholder computing device in response to receiving the game result message to cause the merchant offer to be displayed on the cardholder computing device; and associating the merchant offer with a profile of the cardholder at an interchange network computing device associated with an interchange network, wherein, when the cardholder initiates a transaction with the merchant over the interchange network using the payment card, the interchange network computing device associated with the interchange network automatically applies the merchant offer to the transaction, and wherein the interchange network computing device is configured to process payment card transactions including the transaction initiated with the merchant over the interchange network using a set of proprietary communication standards for the exchange of transaction data and the settlement of funds between financial institutions that are members of the interchange network. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A gaming rewards computer system for providing an offer associated with a merchant to a cardholder engaging in a game, comprising:
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a processor; a memory coupled to said processor, said processor configured to; store merchant game data for the merchant within the memory, wherein the merchant game data includes game data associated with a merchant game application, a location of the merchant, and a predetermined distance associated with the merchant location; receive a game request message from a cardholder computing device associated with the cardholder, wherein the game request message includes a cardholder locator identifying a location of the cardholder, the cardholder locator determined by the cardholder computing device based on at least one of GPS functionality, WiFi positioning, radio frequency location, proximity sensing, and a merchant identifier scanned by the cardholder computing device; compare, using the gaming rewards computer system, the cardholder locator in the game request message with the merchant location stored in the memory to determine whether the cardholder computing device is located within the predetermined distance of the merchant location; retrieve from the memory, based on a determination that the cardholder computing device is within the predetermined distance of the merchant location, by the gaming rewards computer system, the game data; upload the game data to the cardholder computing device to cause the merchant game application to be installed on the cardholder computing device; receive from the cardholder computing device a game result message, the game result message generated in response to the cardholder playing the merchant game application and including a game result achieved by the cardholder; determine, by the gaming rewards computer system, based on at least a characteristic of a payment card of the cardholder, a merchant offer associated with a product offered for purchase by the merchant, wherein for the same game result message, a first merchant offer is determined when the payment card is a debit card, and a second merchant offer is determined when the payment card is a credit card, the first merchant offer different from the second merchant offer, and wherein the first merchant offer and the second merchant offers both include a price reduction or some other value; transmit, by the gaming rewards computer system, the merchant offer to the cardholder computing device in response to receiving the game result message to cause the merchant offer to be displayed on the cardholder computing device; and associate the merchant offer with a profile of the cardholder such that when the cardholder initiates a transaction with the merchant over an interchange network using the payment card, the merchant offer is automatically applied to the transaction by a computing device associated with the interchange network, wherein the computing device is configured to process payment card transactions including the transaction initiated with the merchant over the interchange network using a set of proprietary communication standards for the exchange of transaction data and the settlement of funds between financial institutions that are members of the interchange network. - View Dependent Claims (13, 14, 15, 16, 17)
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18. Non-transitory computer-readable storage media for providing an offer associated with a merchant to a cardholder engaging in a game having computer-executable instructions embodied thereon, wherein, when executed by at least one processor, the computer-executable instructions cause the processor to:
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store merchant game data for the merchant within the memory, wherein the merchant game data includes game data associated with a merchant game application, a location of the merchant, and a predetermined distance associated with the merchant location; receive a game request message from a cardholder computing device associated with the cardholder, wherein the game request message includes a cardholder locator identifying a location of the cardholder, the cardholder locator determined by the cardholder computing device based on at least one of GPS functionality, WiFi positioning, radio frequency location, proximity sensing, and a merchant identifier scanned by the cardholder computing device; compare the cardholder locator in the game request message with the merchant location stored in the memory to determine whether the cardholder computing device is located within the predetermined distance of the merchant location; retrieve from the memory, based on a determination that the cardholder computing device is within the predetermined distance of the merchant location, by the gaming rewards computer system, the game data; upload the game data to the cardholder computing device to cause the merchant game application to be installed on the cardholder computing device; receive from the cardholder computing device a game result message, the game result message generated in response to the cardholder playing the merchant game application and including a game result achieved by the cardholder; determine, by the gaming rewards computer system, based on at least a characteristic of a payment card of the cardholder, a merchant offer associated with a product offered for purchase by the merchant, wherein different levels of merchant offers are determined depending on a bank associated with the payment card; transmit, by the gaming rewards computer system, the merchant offer to the cardholder computing device in response to receiving the game result message to cause the merchant offer to be displayed on the cardholder computing device; and associate the merchant offer with a profile of the cardholder at an interchange network computing device associated with an interchange network, such that when the cardholder initiates a transaction with the merchant over the interchange network using the payment card, the merchant offer is automatically applied to the transaction by the interchange network computing device associated with the interchange network, wherein the interchange network computing device is configured to process payment card transactions including the transaction initiated with the merchant over the interchange network using a set of proprietary communication standards for the exchange of transaction data and the settlement of funds between financial institutions that are members of the interchange network.
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Specification