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LOYALTY PROGRAM SERVICE

  • US 20100145786A1
  • Filed: 12/03/2009
  • Published: 06/10/2010
  • Est. Priority Date: 12/06/2008
  • Status: Abandoned Application
First Claim
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1. A network apparatus for implementing a loyalty program for a transaction processing system including at least one issuer apparatus, at least one acquirer apparatus, at least one merchant apparatus, and a transaction handler apparatus, the network apparatus comprising:

  • a loyalty program database apparatus including loyalty program business rules that are usable, by hardware executing software, to determine when a transaction qualifies for the loyalty program and that indicate rewards that a consumer should receive when a transaction qualifies for the loyalty program; and

    a loyalty program rule implementer apparatus having access, by hardware executing software, to the loyalty program database and including an implementer processor,the implementer processor receiving, by hardware executing software, transaction data whenever a transaction occurs and using, by hardware executing software, the received transaction data and the program business rules to determine when a transaction qualifies for the loyalty program and, when the transaction qualifies for the loyalty program, identifying, by hardware executing software, a reward to a consumer associated with the transaction, wherein;

    the loyalty program rule implementer apparatus is in communication via a network with the at least one issuer apparatus, the at least one acquirer apparatus, and the at least one merchant apparatus; and

    the loyalty program business rules require that the transaction relate to at least one of a specific merchant, a specific issuer, a specific acquirer, a specific consumer, a specific product/service, a consumer having a specific characteristic, a merchant having a specific characteristic, an issuer having a specific characteristic, an acquirer having a specific characteristic and a product/service having a specific characteristic.

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