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Transactions with reward points

  • US 10,497,027 B2
  • Filed: 02/26/2018
  • Issued: 12/03/2019
  • Est. Priority Date: 06/17/2014
  • Status: Active Grant
First Claim
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1. A method comprising:

  • supplementing, by a computer, profile information of a transaction account holder based on an interaction with a social media channel and a transaction;

    transmitting, by the computer and to a web-client associated with the transaction account holder, a list of information available for selection by the transaction account holder;

    transmitting, by the computer and to the web-client, transaction information associated with the transaction account holder;

    determining, by the computer and in response to the selection, that the transaction account holder is a first time customer of a merchant or an existing customer of the merchant;

    determining, by the computer and in response to being the existing customer of the merchant, a number of times the transaction account holder visited the merchant;

    supplementing, by the computer, the profile information of the transaction account holder with the transaction information, with the number of times the transaction account holder visited the merchant, and with social media profile information,wherein the supplementing is based on being the existing customer, the selection from the list of information and purchase data associated with the transaction account holder;

    removing, by the computer, a subset of the profile information to create an anonymized profile;

    providing, by the computer and in response to the removing, the anonymized profile to a merchant system of the merchant;

    receiving, by the computer and from the merchant system and in response to the providing, a plurality of offers tailored to the transaction account holder based on the anonymized profile;

    determining, by the computer and based on a business rule, a subset of the plurality of offers for which the transaction account holder is eligible;

    transmitting, by the computer, the subset of the plurality of offers to the web-client of the transaction account holder;

    receiving, by the computer and from the web-client, a selection of an offer from the subset of the plurality of offers; and

    applying, by the computer, the offer to at least a portion of the transaction.

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