Couponless rewards in response to a transaction
First Claim
1. A method comprising:
- receiving, by a computer based system, an authorization request for a transaction with a merchant system based on transaction information, and based on a user initiating the transaction at a point of sale of the merchant system using a transaction account,wherein the transaction account is registered with a rewards program;
accessing, by the computer based system and prior to approving the authorization request, a plurality of offers associated with a plurality of merchants;
selecting, by the computer based system and prior to approving the authorization request, a subset of the plurality of offers associated with the merchant system;
determining, by the computer based system and prior to approving the authorization request, that the transaction information qualifies for a reward based on offer parameters and monitoring the transaction account, in accordance with a first offer of the subset of the plurality of offers, wherein the first offer applies to the transaction initiated with the transaction account;
approving, by the computer based system, the authorization request;
routing, by the computer based system, the first offer to the transaction account;
applying, by the computer based system and at the point of sale of the merchant system, the reward as a credit to the transaction in the transaction account; and
displaying, by the computer based system, an indicator of an amount of the reward on a statement in connection with a charge corresponding to the transaction.
1 Assignment
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Accused Products
Abstract
A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.
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Citations
18 Claims
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1. A method comprising:
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receiving, by a computer based system, an authorization request for a transaction with a merchant system based on transaction information, and based on a user initiating the transaction at a point of sale of the merchant system using a transaction account, wherein the transaction account is registered with a rewards program; accessing, by the computer based system and prior to approving the authorization request, a plurality of offers associated with a plurality of merchants; selecting, by the computer based system and prior to approving the authorization request, a subset of the plurality of offers associated with the merchant system; determining, by the computer based system and prior to approving the authorization request, that the transaction information qualifies for a reward based on offer parameters and monitoring the transaction account, in accordance with a first offer of the subset of the plurality of offers, wherein the first offer applies to the transaction initiated with the transaction account; approving, by the computer based system, the authorization request; routing, by the computer based system, the first offer to the transaction account; applying, by the computer based system and at the point of sale of the merchant system, the reward as a credit to the transaction in the transaction account; and displaying, by the computer based system, an indicator of an amount of the reward on a statement in connection with a charge corresponding to the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A system comprising:
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a processor; memory communicating with the processor; and a network interface communicating with the memory, the processor, when executing a computer program, being configured to perform operations comprising; receiving, by the processor, an authorization request for a transaction with a merchant system based on transaction information, and based on a user initiating the transaction at a point of sale of the merchant system using a transaction account, wherein the transaction account is registered with a rewards program; accessing, by the processor and prior to approving the authorization request, a plurality of offers associated with a plurality of merchants; selecting, by the processor and prior to approving the authorization request, a subset of the plurality of offers associated with the merchant system; determining, by the processor and prior to approving the authorization request, that the transaction information qualifies for a reward based on offer parameters and monitoring the transaction account, in accordance with a first offer of the subset of the plurality of offers, wherein the first offer applies to the transaction initiated with the transaction account; approving, by the processor, the authorization request; routing, by the processor, the first offer to the transaction account; applying, by the processor and at the point of sale of the merchant system, the reward as a credit to the transaction in the transaction account; and displaying, by the processor, an indicator of an amount of the reward on a statement in connection with a charge corresponding to the transaction.
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18. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer based system, cause the computer based system to perform operations comprising:
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receiving, by the computer based system, an authorization request for a transaction with a merchant system based on transaction information, and based on a user initiating the transaction at a point of sale of the merchant system using a transaction account, wherein the transaction account is registered with a rewards program; accessing, by the computer based system and prior to approving the authorization request, a plurality of offers associated with a plurality of merchants; selecting, by the computer based system and prior to approving the authorization request, a subset of the plurality of offers associated with the merchant system; determining, by the computer based system and prior to approving the authorization request, that the transaction information qualifies for a reward based on offer parameters and monitoring the transaction account, in accordance with a first offer of the subset of the plurality of offers, wherein the first offer applies to the transaction initiated with the transaction account; approving, by the computer based system, the authorization request; routing, by the computer based system, the first offer to the transaction account; applying, by the computer based system and at the point of sale of the merchant system, the reward as a credit to the transaction in the transaction account; and displaying, by the computer based system, an indicator of an amount of the reward on a statement in connection with a charge corresponding to the transaction.
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Specification