METHOD AND APPARATUS FOR MOBILE OFFER FULFILLMENT

• US 20100174596A1
• Filed: 03/19/2010
• Published: 07/08/2010
• Est. Priority Date: 10/24/2007
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Gilman, Andrea, Poswolsky, Daniel, Anderson, James J.
• Application Number:
  US12/727,512
• Publication Number:
  US 20100174596A1
• Time in Patent Office: Days
• US Class Current: 705/14.230
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G07G 1/14 Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00

Abstract

Rewards systems, methods, means and computer program code are provided which include a transaction processing system, receiving a transaction authorization request message generated from a point of interaction, the transaction authorization request message including a purchase amount, and a customer account identifier, the transaction processing system generating an authorization response message for transmission to the point of interaction. The rewards systems further include a messaging system, in communication with the transaction processing system, generating a rewards message for transmission to a mobile device associated with the customer account identifier, the rewards message including details of a status associated with a reward transaction.

Claims

1. A rewards system, comprising:

a transaction processing system, receiving a transaction authorization request message generated from a point of interaction, the transaction authorization request message including a purchase amount, and a customer account identifier, the transaction processing system generating an authorization response message for transmission to the point of interaction; and

a messaging system, in communication with the transaction processing system, generating a rewards message for transmission to a mobile device associated with the customer account identifier, the rewards message including details of a status associated with a reward transaction.

2. The rewards system of claim 1, wherein said rewards message is transmitted substantially at the same time as said authorization response.

3. The rewards system of claim 1, wherein said messaging system transmits said rewards message in response to said authorization response.

4. The rewards system of claim 1, wherein said rewards message is transmitted as at least one of an SMS message, an electronic mail message, an XML message, and a push notification within a mobile application.

5. The rewards system of claim 1, wherein said rewards message is one of a reward completion message and a reward progress message.

6. The rewards system of claim 5, wherein said reward completion message includes information identifying a reward amount earned based on completion of a transaction associated with said transaction authorization request.

7. The rewards system of claim 6, further comprising:

causing said reward amount to be credited to said customer account identifier.

8. The rewards system of claim 5, wherein said reward progress message includes information identifying a reward status, and information identifying additional qualifying steps to complete said reward.

9. The rewards system of claim 1, wherein said messaging system is at least one of an SMS messaging gateway, an e-mail messaging gateway, and a mobile provider system.

10. The rewards system of claim 1, wherein said rewards message pertains to at least one of:

statement rebates, bonus points, coupons, and discounts.

11. A method, comprising:

providing a plurality of reward offers to be presented to a cardholder operating a mobile device each of said plurality of reward offers including information identifying a merchant, at least one offer qualifying condition, and a reward amount;

receiving a request generated from said cardholder to participate in at least a selected one of said reward offers;

associating an offer identifier associated with said at least a selected one of said reward offers with information identifying said cardholder, including a cardholder phone number and a cardholder payment account number; and

providing an offer enrollment message to be transmitted to said mobile device.

12. The method of claim 11, wherein said presenting a plurality of reward offers is performed through at least one of:

a mobile application, a Website, a WAP site, an IVR system, an electronic mail message, and a direct mail piece.

13. The method of claim 11, wherein said transmitting an offer enrollment message is performed using at least one of:

a mobile application, a Website, a WAP site, an IVR system, an electronic mail message, and a direct mail piece.

14. The method of claim 11, further comprising:

receiving transaction data associated with a transaction involving said cardholder payment account number;

comparing said transaction data with offer criteria associated with said offer identifier;

determining that said transaction data meets said offer criteria; and

updating a status of a reward eligibility of said cardholder for said offer identifier.

15. The method of claim 14, further comprising:

determining that said cardholder has opted out of receiving messages.

16. The method of claim 14, further comprising:

determining that said cardholder has not opted out of receiving messages; and

transmitting a reward status message to a mobile device associated with said cardholder.

17. The method of claim 11, further comprising:

receiving a request from said cardholder to download a reward offer application prior to presenting said plurality of reward offers.

18. The method of claim 17, further comprising:

receiving cardholder registration data after said request to download, said cardholder registration data including a cardholder name, at least a first cardholder payment account number, and a telephone number associated with said mobile device.

19. The method of claim 14, further comprising:

processing said transaction data to remove transactions not associated with a merchant involved in a reward program.

20. The method of claim 11, wherein said receiving a request to participate includes storing information associated with said selected one of said reward offers in at least one of:

(i) an application on said mobile device, and (ii) a remote storage location.

21. A computer-readable medium storing instructions adapted to be executed by a processor to perform a method, the method comprising:

providing a plurality of reward offers to be presented to a cardholder operating a mobile device, each of said plurality of reward offers including information identifying a merchant, at least one offer qualifying condition, and a reward amount;

receiving a request generated from said cardholder to participate in at least a selected one of said reward offers;

associating an offer identifier associated with said at least a selected one of said reward offers with information identifying said cardholder, including a cardholder phone number and a cardholder payment account number; and

providing an offer enrollment message to be transmitted to said mobile device.

22. The computer-readable medium storing instructions of claim 21, wherein said presenting a plurality of reward offers is performed through at least one of:

a mobile application, a Website, a WAP site, an IVR system, an electronic mail message, and a direct mail piece.

23. The computer-readable medium storing instructions of claim 21, wherein said transmitting an offer enrollment message is performed using at least one of:

a mobile application, a Website, a WAP site, an IVR system, an electronic mail message, and a direct mail piece.

24. A medium according to claim 21, the method further comprising:

receiving transaction data associated with a transaction involving said cardholder payment account number;

comparing said transaction data with offer criteria associated with said offer identifier;

determining that said transaction data meets said offer criteria; and

updating a status of a reward eligibility of said cardholder for said offer identifier.