CONSUMER OFFER REDEMPTION METHODS AND SYSTEMS
First Claim
1. A computer-implemented offer redemption method comprising:
- (a) storing information on a consumer and a payment account associated with the consumer in a computer storage system;
(b) receiving activation of an offer from the consumer covering a product or service or a purchase from a retailer;
(c) linking the offer to the consumer'"'"'s payment account;
(d) monitoring transactions in the consumer'"'"'s payment account; and
(e) when the consumer has purchased the product or service or made a purchase from the retailer covered by the linked offer using the consumer payment account, making payment for offer settlement to a payment processor managing the consumer'"'"'s payment account to be credited to the consumer'"'"'s payment account.
4 Assignments
0 Petitions
Accused Products
Abstract
A computer-implemented offer redemption method includes the steps of: (a) storing information on a consumer and a payment account associated with the consumer in a computer storage system; (b) receiving activation of an offer from the consumer covering a product or service or a purchase from a retailer; (c) linking the offer to the consumer'"'"'s payment account; (d) monitoring transactions in the consumer'"'"'s payment account; and (e) when the consumer has purchased the product or service or made a purchase from the retailer covered by the linked offer using the consumer payment account, making payment for offer settlement to a payment processor managing the consumer'"'"'s payment account to be credited to the consumer'"'"'s payment account.
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Citations
44 Claims
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1. A computer-implemented offer redemption method comprising:
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(a) storing information on a consumer and a payment account associated with the consumer in a computer storage system; (b) receiving activation of an offer from the consumer covering a product or service or a purchase from a retailer; (c) linking the offer to the consumer'"'"'s payment account; (d) monitoring transactions in the consumer'"'"'s payment account; and (e) when the consumer has purchased the product or service or made a purchase from the retailer covered by the linked offer using the consumer payment account, making payment for offer settlement to a payment processor managing the consumer'"'"'s payment account to be credited to the consumer'"'"'s payment account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer-implemented offer redemption method comprising:
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(a) storing information on a consumer and a payment account associated with the consumer in a computer storage system; (b) receiving activation of an offer from the consumer covering a product or service available from a retailer; (c) linking the offer to the consumer'"'"'s payment account; (d) monitoring transactions in the consumer'"'"'s payment account; and (e) determining whether a transaction in the consumer'"'"'s payment account is potentially covered by the linked offer by filtering out ineligible transactions that do not meet offer criteria; (f) when the transaction is determined to be potentially covered by the offer, transmitting a verification request to an offer issuer or third party data provider to verify that the transaction is covered by the offer by matching a unique identifier of a product or service purchased in the transaction with a unique identifier specified in the offer; (g) when the transaction is verified by the offer issuer to be covered by the offer, making payment for offer settlement to a payment processor to be credited to the consumer'"'"'s payment account. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A computerized offer redemption system, comprising:
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at least one processor; and memory associated with the at least one processor; a program supported in the memory for processing offers provided to consumers, the program having a plurality of instructions stored thereon which, when executed by the at least one processor, cause the at least one processor to; (a) store information on a consumer and a payment account associated with the consumer in a memory; (b) receive activation of an offer from the consumer covering a product or service or a purchase from a retailer; (c) link the offer to the consumer'"'"'s payment account; (d) monitor transactions in the consumer'"'"'s payment account; and (e) when the consumer has purchased the product or service or made a purchase from the retailer covered by the linked offer using the consumer payment account, make payment for offer settlement to a payment processor managing the consumer'"'"'s payment account to be credited to the consumer'"'"'s payment account. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30, 31, 32, 33)
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34. A computerized offer redemption system, comprising:
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at least one processor; memory associated with the at least one processor; and a program supported in the memory for processing offers provided to consumers, the program having a plurality of instructions stored thereon which, when executed by the at least one processor, cause the at least one processor to; (a) store information on a consumer and a payment account associated with the consumer in a memory; (b) receive activation of an offer from the consumer covering a product or service available from a retailer; (c) link the offer to the consumer'"'"'s payment account; (d) monitor transactions in the consumer'"'"'s payment account; and (e) determine whether a transaction in the consumer'"'"'s payment account is potentially covered by the linked offer by filtering out ineligible transactions that do not meet offer criteria; (f) when the transaction is determined to be potentially covered by the offer, transmit a verification request to an offer issuer or third party data provider to verify that the transaction is covered by the offer by matching a unique identifier of a product or service purchased in the transaction with a unique identifier specified in the offer; (g) when the transaction is verified by the offer issuer to be covered by the offer, make payment for offer settlement to a payment processor to be credited to the consumer'"'"'s payment account. - View Dependent Claims (35, 36, 37, 38, 39, 40, 41, 42, 43, 44)
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Specification