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CONSUMER COMMERCIAL BEHAVIOR MODIFICATION THROUGH MULTIPLE MERCHANT INCENTIVE PROGRAM

  • US 20100145778A1
  • Filed: 12/07/2009
  • Published: 06/10/2010
  • Est. Priority Date: 12/08/2008
  • Status: Abandoned Application
First Claim
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1. A network apparatus for implementing a multi-provider rewards program wherein rewards are awarded for a series of transactions using an account in a transaction processing system wherein the transaction processing system includes at least one issuer apparatus, at least one acquirer apparatus, a plurality of resource provider apparatuses, and a transaction handler apparatus, the network apparatus comprising:

  • a rewards program database apparatus including rewards program business rules wherein the rewards program business rules specify a requirement that a consumer perform transactions associated with each of the plurality of resource provider apparatuses and specify rewards to be awarded upon the consumer performing at least a subset of the transactions associated with each of the plurality of resource provider apparatuses wherein each of the transactions must be performed using a consumer account associated with the consumer; and

    a rewards program rule implementer apparatus having access, by hardware executed by software, to the rewards program database apparatus and including an implementer processor apparatus to perform, by hardware executing software, the steps of;

    receiving transaction data whenever a transaction occurs using the consumer account;

    using the transaction data to determine when a consumer has performed the separate transactions associated with each of the plurality of resource provider apparatuses; and

    when a consumer has performed the separate transactions with each of the plurality of resource provider apparatuses, identifying a reward for the consumer that performed the transactions.

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