Systems and methods of data transfer in a distributed computer network
First Claim
1. A method of transporting electronic data in a distributed computer network, the method comprising:
- receiving, at a first network node, a first data packet comprising a network event identifier, a user account identifier, and network event data, wherein the user account identifier points to a location on the first network node where the user account is stored, and the network event data define an operation between a user and a network operator;
processing the network event parameters with a loyalty algorithm to generate a loyalty value parameter; and
calculating an updated account value parameter for the user account using the loyalty value parameter.
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Abstract
A method of transporting electronic data in a distributed computer network, where the method includes receiving, at a first network node, a first data packet that includes a network event identifier, a user account identifier, and network event data, where the user account identifier points to a location on the first network node where the user account is stored, and the network event data define an operation between a user and a network operator. The method also includes processing the network event parameters with a loyalty algorithm to generate a loyalty value parameter; and calculating an updated account value parameter for the user account using the loyalty value parameter.
110 Citations
56 Claims
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1. A method of transporting electronic data in a distributed computer network, the method comprising:
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receiving, at a first network node, a first data packet comprising a network event identifier, a user account identifier, and network event data, wherein the user account identifier points to a location on the first network node where the user account is stored, and the network event data define an operation between a user and a network operator;
processing the network event parameters with a loyalty algorithm to generate a loyalty value parameter; and
calculating an updated account value parameter for the user account using the loyalty value parameter. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A method for operating an integrated stored-value and loyalty program, the method comprising:
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maintaining, at a host computer system, administration criteria for each of a plurality of distinct loyalty programs including the loyalty program;
receiving, at the host computer system, a transaction identifier and a packet of transaction information defining a transaction between a merchant and a customer, wherein the packet of transaction information comprises one or more account identifiers;
determining a customer reward in accordance with the packet of transaction information and with the administration criteria for the loyalty program identified by one of the account identifiers; and
updating a stored-value account, identified in the host computer system by one of the account identifiers, with information from the customer reward. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47)
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48. A method of conducting a transaction between a merchant and a customer using a stored-value account, the method comprising:
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sending, to a transaction processing system, a transaction identifier and a packet of transaction information defining the transaction, wherein the packet of transaction information comprises loyalty information and a stored-value account identifier; and
receiving, at a point of sale device, customer reward information from the transaction processing system, wherein the customer reward information comprises a reward value for the transaction and an updated value amount of the stored-value account. - View Dependent Claims (49, 50, 51, 52, 53, 54, 55, 56)
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Specification