SYSTEMS AND METHODS FOR ENROLLMENT AND PARTICIPATION IN A LOYALTY PROGRAM
First Claim
Patent Images
1. A method, comprising:
- receiving, from a consumer associated with a payment device, loyalty program enrollment information and a payment device identifier, said loyalty program enrollment information including a loyalty program identifier;
providing said loyalty program enrollment information and said payment device identifier to at least one of an issuer of said payment device and an agent of said issuer; and
causing said loyalty program identifier to be stored in a memory of said payment device.
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Abstract
According to some embodiments, systems, methods, apparatus, computer program code and means are provided for enrolling payment cardholders in loyalty programs and processing loyalty transactions. Some embodiments include receiving, from a consumer associated with a payment device, loyalty program enrollment information and a payment device identifier, the loyalty program enrollment information including a loyalty program identifier, and providing the loyalty program enrollment information and the payment device identifier to at least one of an issuer of the payment device and an agent of the issuer. The loyalty program identifier is caused to be stored in a memory of said payment device.
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Citations
17 Claims
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1. A method, comprising:
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receiving, from a consumer associated with a payment device, loyalty program enrollment information and a payment device identifier, said loyalty program enrollment information including a loyalty program identifier; providing said loyalty program enrollment information and said payment device identifier to at least one of an issuer of said payment device and an agent of said issuer; and causing said loyalty program identifier to be stored in a memory of said payment device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for operating a merchant terminal to enroll a consumer in a loyalty program, the method comprising:
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reading, at a merchant terminal, payment device information from a payment device, said payment device information including a primary account number associated with said payment device; determining, from said payment device information, that said payment device is eligible to participate in a merchant loyalty program; receiving, from said consumer associated with said payment device, enrollment information; assigning a loyalty program identifier to said primary account number; updating a merchant loyalty program enrollment file with said primary account number, said loyalty program identifier, and said enrollment information; and forwarding said updated merchant loyalty program enrollment file to an issuer processor associated with an issuer of said primary account number. - View Dependent Claims (9, 10, 11, 12)
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13. An apparatus, comprising:
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a processor; and a storage device in communication with said processor and storing instructions adapted to be executed by said processor to; receive, from a consumer associated with a payment device, loyalty program enrollment information and a payment device identifier, said loyalty program enrollment information including a loyalty program identifier; provide said loyalty program enrollment information and said payment device identifier to at least one of an issuer of said payment device and an agent of said issuer; and cause said loyalty program identifier to be stored in a memory of said payment device. - View Dependent Claims (14, 15)
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16. An apparatus, comprising:
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a processor; and a storage device in communication with said processor and storing instructions adapted to be executed by said processor to; read payment device information from a payment device, said payment device information including a primary account number associated with said payment device; determine, from said payment device information, that said payment device is eligible to participate in a merchant loyalty program; receive, from said consumer associated with said payment device, enrollment information; assign a loyalty program identifier to said primary account number; update a merchant loyalty program enrollment file with said primary account number, said loyalty program identifier, and said enrollment information; and forward said updated merchant loyalty program enrollment file to an issuer processor associated with an issuer of said primary account number.
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17. A computer-readable medium storing instructions adapted to be executed by a processor to perform a method of offering credit products to consumers, said method comprising:
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receiving, from a consumer associated with a payment device, loyalty program enrollment information and a payment device identifier, said loyalty program enrollment information including a loyalty program identifier; providing said loyalty program enrollment information and said payment device identifier to at least one of an issuer of said payment device and an agent of said issuer; and causing said loyalty program identifier to be stored in a memory of said payment device.
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Specification