Creating customer loyalty

• US 20050080672A1
• Filed: 09/16/2004
• Published: 04/14/2005
• Est. Priority Date: 10/13/2003
• Status: Abandoned Application

• Current Assignee: Starbucks Corporation
• Original Assignee: Starbucks Corporation
• Inventors: Courtion, Colette, Stumpf, Mary
• Application Number:
  US10/943,110
• Publication Number:
  US 20050080672A1
• Time in Patent Office: Days
• US Class Current: 705/14.320
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0232 Frequent usage rewards other than merchandise, cash or travel

Abstract

A system for rewarding the loyalty of a payment cardholder comprises a dual card for facilitating credit transactions associated with a credit account and further facilitating stored value transactions associated with a stored value account. The system further comprises a computer-implemented loyalty program for calculating a loyalty value based on the credit transactions of the dual card, the loyalty value being used to load the stored value account of the dual card. The system yet further comprises a rebate file produced by a credit card issuing bank. The rebate file contains a rebate based on the credit transactions.

Claims

1. A system for rewarding the loyalty of a payment cardholder, comprising:

a dual card for facilitating credit transactions associated with a credit account and further facilitating stored value transactions associated with a stored value account; and

a computer-implemented loyalty program for calculating a loyalty value based on the credit transactions of the dual card, the loyalty value being used to load the stored value account of the dual card.

2. The system of claim 1, further comprising a rebate file produced by a credit card issuing bank, the rebate file containing a rebate based on the credit transactions, the rebate file being used to aid the calculation of the loyalty value.

3. The system of claim 1, further comprising a stored value transaction file produced by a stored value processor, the stored value transaction file being used to aid the calculation of the loyalty value.

4. The system of claim 1, further comprising an amount of money donated to a philanthropic organization based on the loyalty value.

5. The system of claim 1, further comprising merchandise sent to the cardholder of the dual card based on the loyalty value.

6. A method for rewarding a cardholder of a dual card, comprising:

calculating a loyalty value from credit transactions of the dual card;

calculating the loyalty value from stored value transactions of the dual card; and

loading a stored value account of the dual card by the calculated loyalty value.

7. The method of claim 6, further comprising forming a first transaction premium file if the credit transactions include a first credit transaction.

8. The method of claim 6, further comprising accruing a rebate amount for each credit transaction.

9. The method of claim 6, further comprising accruing a rebate amount for each credit transaction that automatically occurs when a stored value account of the dual card is below a threshold.

10. The method of claim 6, further comprising donating to a philanthropic organization by a sponsor business, which sponsors the dual card and sending a piece of merchandise to the cardholder of the dual card.

11. A computer-readable medium having instructions stored thereon for performing a method for rewarding a cardholder of a dual card, comprising:

calculating a loyalty value from credit transactions of the dual card;

calculating the loyalty value from stored value transactions of the dual card; and

loading a stored value account of the dual card by the calculated loyalty value.

12. The computer-readable medium of claim 11, further comprising forming a first transaction premium file if the credit transactions include a first credit transaction.

13. The computer-readable medium of claim 11, further comprising accruing a rebate amount for each credit transaction.

14. The computer-readable medium of claim 11, further comprising accruing a rebate amount for each credit transaction that automatically occurs when a stored value account of the dual card is below a threshold.

15. The computer-readable of claim 11, further comprising donating to a philanthropic organization by a sponsor business, which sponsors the dual card and sending a piece of merchandise to the cardholder of the dual card.