Universal Bonus/Rewards Card
First Claim
1. A universal rewards system for consolidating reward and bonus programs across a series of programs in which a consumer participates, said system comprising:
- (a) at least one computer having a computer-readable medium with program instructions stored thereon, which, when executed by a processor of the at least one computer, cause the processor to;
(i) directly or indirectly receive data streams or notifications regarding participating merchants, identify qualified transactions, identify appropriate rewards/bonuses, and identify participating consumers;
(ii) determine and/or generate data regarding the qualified transactions and the appropriate rewards/bonuses; and
(iii) transmit information regarding the qualified transactions and issuance of the appropriate rewards/bonuses; and
(b) an identification device for distribution to the participating consumers, said identification device including identifying information unique to the participating consumer, said identification device configured for universal acceptance by each of said participating merchants and wherein at least some of the participating merchants offer diverse goods and/or services.
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Accused Products
Abstract
A universal rewards system for consolidating reward and bonus programs across a series of programs in which a consumer participates. The system includes at least one computer having a computer-readable medium with program instructions stored thereon to cause the processor to receive data streams regarding participating merchants, determine and/or identify qualified transactions, identify appropriate rewards/bonuses, and identify participating consumers, generate data regarding the qualified transactions and the appropriate rewards/bonuses, and transmit information regarding the qualified transactions and issuance of the appropriate rewards/bonuses. The system also includes an identification device for distribution to the participating consumers. The identification device is a single device, eliminating the need for the consumer to carry a multitude of identification devices, that includes identifying information unique to the participating consumer, is configured for universal acceptance by each of the participating merchants and, wherein at least some of the participating merchants offer diverse goods and/or services.
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Citations
21 Claims
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1. A universal rewards system for consolidating reward and bonus programs across a series of programs in which a consumer participates, said system comprising:
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(a) at least one computer having a computer-readable medium with program instructions stored thereon, which, when executed by a processor of the at least one computer, cause the processor to; (i) directly or indirectly receive data streams or notifications regarding participating merchants, identify qualified transactions, identify appropriate rewards/bonuses, and identify participating consumers; (ii) determine and/or generate data regarding the qualified transactions and the appropriate rewards/bonuses; and (iii) transmit information regarding the qualified transactions and issuance of the appropriate rewards/bonuses; and (b) an identification device for distribution to the participating consumers, said identification device including identifying information unique to the participating consumer, said identification device configured for universal acceptance by each of said participating merchants and wherein at least some of the participating merchants offer diverse goods and/or services. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A computer-implemented method for a universal rewards program for consolidating reward and bonus programs across a series of programs in which a consumer participates, said method comprising:
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(a) providing at least one computer having a computer-readable medium with program instructions stored thereon, which, when executed by a processor of the at least one computer, cause the processor to; (i) directly or indirectly receive data streams or notifications regarding participating merchants, identify qualified transactions, identify appropriate rewards/bonuses, and identify participating consumers; (ii) determine and/or generate data regarding the qualified transactions and the appropriate rewards/bonuses; and (iii) transmit information regarding the qualified transactions and issuance of the appropriate rewards/bonuses; (b) providing information to said processor, said information including participating merchants, qualified transactions, appropriate rewards/bonuses and participating consumers; and (c) providing an identification device for distribution to the participating consumers, said identification device including identifying information unique to the participating consumer, said identification device configured for universal acceptance by each of said participating merchants and, wherein at least some of the participating merchants offer diverse goods and/or services. - View Dependent Claims (17, 18, 19, 20)
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21. An apparatus for operating a universal rewards program for consolidating reward and bonus programs across a series of programs in which a consumer participates, said apparatus comprising:
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(a) at least one computer having a computer-readable medium with program instructions stored thereon, which, when executed by a processor of the at least one computer, cause the processor to; (i) directly or indirectly receive data streams or notifications regarding participating merchants, identify qualified transactions, identify appropriate rewards/bonuses, and identify participating consumers; (ii) determine and/or generate data regarding the qualified transactions and the appropriate rewards/bonuses; and (iii) transmit information regarding the qualified transactions and issuance of the appropriate rewards/bonuses; (b) means for providing information to said processor, said information including participating merchants, qualified transactions, appropriate rewards/bonuses and participating consumers; and (c) an identification device for distribution to the participating consumers, said identification device including identifying information unique to the participating consumer, said identification device configured for universal acceptance by each of said participating merchants and, wherein at least some of the participating merchants offer diverse goods and/or services.
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Specification