System And Method For Providing Consumer Rewards
First Claim
1. A method for allowing member consumers to receive benefits associated with an incentive program, the method comprising:
- accepting via a computer network registration information for a plurality of member consumers entitling the member consumers to benefits of the incentive program, the registration information including a payment identifier for each of the member consumers,storing the registration information in a database that is in communication with the computer network;
providing transactional information to a payment processor from a payment system associated with a member business, the transactional information being comprised of information related to one or more purchases, information about the member business from which each of the one or more purchases was made, and information about the date of each of the one or more purchases, wherein the information related to one or more purchases includes the payment identifier associated with each of the respective purchases;
receiving transactional information associated with each of the one or more purchases from the payment processor;
comparing transactional information for each of the one or more purchases with the registration information associated with each of the member consumers;
determining based on the comparison whether the payment identifier associated with one of the purchases matches the payment identifier supplied by one of the member consumers;
rewarding the member consumer associated with the matching payment identifier in accordance with the benefits of the incentive program; and
parsing the transactional information associated with the payment identifier into one or more categories.
2 Assignments
0 Petitions
Accused Products
Abstract
An automated consumer rewards/incentive program that accepts a registration of a consumer. The registration entitles the consumer to receive the benefits of the incentive program. To track the fulfillment of reward earning criteria established by member businesses, the registration includes information indicative of a credit card of the consumer. The system may track member consumer credit card transactions without receiving personal information for non-members by using a one way hash function. The system uses the credit card information to determine when member customers perform a transaction at a member business. When a member customer performs a transaction at a member business using the registered credit card, the system and method examines the credit card transactional information to determine if the consumer fulfilled the requirements of the incentive program for the member business. If the transactional information indicates that the consumer fulfilled the criteria of the rewards program of the member business, the consumer is rewarded in accordance with the benefits of the incentive program.
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Citations
15 Claims
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1. A method for allowing member consumers to receive benefits associated with an incentive program, the method comprising:
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accepting via a computer network registration information for a plurality of member consumers entitling the member consumers to benefits of the incentive program, the registration information including a payment identifier for each of the member consumers, storing the registration information in a database that is in communication with the computer network; providing transactional information to a payment processor from a payment system associated with a member business, the transactional information being comprised of information related to one or more purchases, information about the member business from which each of the one or more purchases was made, and information about the date of each of the one or more purchases, wherein the information related to one or more purchases includes the payment identifier associated with each of the respective purchases; receiving transactional information associated with each of the one or more purchases from the payment processor; comparing transactional information for each of the one or more purchases with the registration information associated with each of the member consumers; determining based on the comparison whether the payment identifier associated with one of the purchases matches the payment identifier supplied by one of the member consumers; rewarding the member consumer associated with the matching payment identifier in accordance with the benefits of the incentive program; and parsing the transactional information associated with the payment identifier into one or more categories. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method for allowing member consumers to receive benefits associated with an incentive program, the method comprising:
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accepting via a computer network registration information for a plurality of member consumers entitling the member consumers to benefits of the incentive program, the registration information including a payment identifier for each of the member consumers, storing the registration information in a database that is in communication with the computer network; providing transactional information to a payment processor from a payment system associated with a member business, the transactional information being comprised of information related to one or more purchases, information about the member business from which each of the one or more purchases was made, and information about the date of each of the one or more purchases, wherein the information related to one or more purchases includes the payment identifier associated with each of the respective purchases; receiving transactional information associated with each of the one or more purchases from the payment processor; comparing transactional information for each of the one or more purchases with the registration information associated with each of the member consumers; determining based on the comparison whether the payment identifier associated with one of the purchases matches the payment identifier supplied by one of the member consumers; and rewarding the member consumer associated with the matching payment identifier in accordance with the benefits of the incentive program.
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Specification