REAL-TIME POINT REDEMPTION IN A MERCHANT REDEMPTION NETWORK
First Claim
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1. A computer-executed method for use with a redemption campaign of an issuer implemented via a real-time redemption network (“
- RRN network”
), said RRN network being connected to a credit/debit transaction network, and implemented via a mobile messaging system for an account of a cardholder having a mobile device connected to the mobile messaging system, said method comprising;
receiving, by a RRN computing device connected to the RRN network via the RRN network from an authorization computing device, information identifying an authorized transaction at a point-of-sale, said authorized transaction involving the account of the cardholder, said authorization computing device being associated with an issuer of the account of the cardholder, said account of the cardholder having a points account associated therewith;
determining, at the RRN computing device, whether the authorized transaction identified by the received information qualifies for a redemption campaign of the issuer of the card of the cardholder; and
in the event that the authorized transaction identified by the received information qualifies for the redemption campaign of the issuer of the card of the cardholder, then;
sending, by the RRN computing device via the mobile messaging system to the mobile device, a message indicating a marketing engagement to the cardholder wherein the marketing engagement requests a response from the cardholder;
receiving, by the RRN computing device via the mobile messaging system from the mobile device, a response accepting the marketing engagement presented to the cardholder;
transmitting, by the RRN computing device via the RRN network to the points account of the cardholder, an adjustment to be applied to the points account based on the marketing engagement and the received response accepting the engagement; and
transmitting, by the RRN computing device via the RRN network to the issuer of the card of the cardholder, an adjustment to the approved transaction amount based on the transmitted point adjustment.
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Accused Products
Abstract
The invention includes methods and systems for use with a redemption campaign of an issuer implemented via a real-time redemption network (“RRN”), with RRN being connected to a credit/debit transaction network, and implemented via a mobile message system for an account of a cardholder having a mobile device connected to the mobile messaging system. The cardholder receives marketing engagements of a redemption campaign via a cardholder mobile device based on an approved credit/debit card transaction and having a points account associated with the card.
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Citations
27 Claims
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1. A computer-executed method for use with a redemption campaign of an issuer implemented via a real-time redemption network (“
- RRN network”
), said RRN network being connected to a credit/debit transaction network, and implemented via a mobile messaging system for an account of a cardholder having a mobile device connected to the mobile messaging system, said method comprising;receiving, by a RRN computing device connected to the RRN network via the RRN network from an authorization computing device, information identifying an authorized transaction at a point-of-sale, said authorized transaction involving the account of the cardholder, said authorization computing device being associated with an issuer of the account of the cardholder, said account of the cardholder having a points account associated therewith; determining, at the RRN computing device, whether the authorized transaction identified by the received information qualifies for a redemption campaign of the issuer of the card of the cardholder; and in the event that the authorized transaction identified by the received information qualifies for the redemption campaign of the issuer of the card of the cardholder, then; sending, by the RRN computing device via the mobile messaging system to the mobile device, a message indicating a marketing engagement to the cardholder wherein the marketing engagement requests a response from the cardholder; receiving, by the RRN computing device via the mobile messaging system from the mobile device, a response accepting the marketing engagement presented to the cardholder; transmitting, by the RRN computing device via the RRN network to the points account of the cardholder, an adjustment to be applied to the points account based on the marketing engagement and the received response accepting the engagement; and transmitting, by the RRN computing device via the RRN network to the issuer of the card of the cardholder, an adjustment to the approved transaction amount based on the transmitted point adjustment. - View Dependent Claims (2, 3, 4, 5, 6, 7)
- RRN network”
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8. A computer-executed method for use with a redemption campaign of an issuer implemented via a real-time redemption network (“
- RRN network”
), said RRN being connected to a credit/debit transaction network, and implemented via a mobile messaging system for an account of a cardholder having a mobile device connected to the mobile messaging system, said method comprising;receiving, by a RRN computing device connected to the RRN network via the RRN network from an authorization computing device, information identifying an authorized transaction at a point-of-sale device, said approved transaction involving the account of the cardholder, said authorization computing device being associated with an issuer of the account of the cardholder, said account of the cardholder having a points account associated therewith; determining, at the RRN computing device, whether the authorized transaction identified by the received information qualifies for the redemption campaign of the issuer of the card of the cardholder; and in the event that the authorized transaction identified by the received information qualifies for the redemption campaign of the issuer of the card of the cardholder, then; when the point-of sale device is capable of displaying the redemption campaign of the issuer, transmitting, by the RRN computing device via a network to the point-of-sale device, the redemption campaign for presenting to the cardholder; and when the point-of-sale device is not capable of displaying the redemption campaign of the issuer, transmitting, by RRN computing device via a mobile messaging system to the mobile device, the redemption campaign for presenting to the cardholder. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15, 16)
- RRN network”
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17. A computer-executed method for use with a redemption campaign of an issuer implemented via a real-time redemption network (“
- RRN network”
), said RRN being connected to a credit/debit transaction network, and implemented via a mobile messaging system for an account of a cardholder having a mobile device connected to the mobile messaging system, said method comprising;receiving, by a RRN computing device connected to RRN network via RRN network from an authorization computing device, information identifying an authorized transaction at a point-of-sale, said authorized transaction involving the account of the cardholder, said authorization computing device being associated with an issuer of the account of the cardholder, said account of the cardholder having a points account associated therewith; determining, at the RRN computing device, whether the authorized transaction identified by the received information qualifies for the redemption campaign of the issuer of the card of the cardholder; and in the event that the authorized transaction identified by the received information qualifies for the redemption campaign of the issuer of the card of the cardholder, then; sending, by the RRN computing device via the mobile messaging system to the mobile device, a message indicating a marketing engagement to the cardholder wherein the marketing engagement requests a response from the cardholder; receiving, by the RRN computing device via the mobile messaging system from the mobile device, a response accepting the marketing engagement presented to the cardholder; transmitting, by the RRN computing device via RRN network to the issuer, an adjustment to be applied to the points account of the cardholder based on the marketing engagement and the received response accepting the engagement; and transmitting, by the RRN computing device via RRN network to the issuer of the card of the cardholder, said adjustment corresponding to the adjustment to the purchase price based on the transmitted point adjustment. - View Dependent Claims (18, 19, 20, 21, 22)
- RRN network”
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23. A computer-executed method for use with a redemption campaign of an issuer implemented via a real-time redemption network (“
- RRN network”
), said RRN being connected to a credit/debit transaction network, and implemented via a mobile messaging system for an account of a cardholder having a mobile device connected to the mobile messaging system, said method comprising;receiving, by a RRN computing device connected to RRN network via RRN network from an authorization computing device, information identifying an authorized transaction at a point-of-sale, said approved transaction involving the account of the cardholder, said authorization computing device being associated with an issuer of the account of the cardholder, said account of the cardholder having a points account associated therewith; determining, at the RRN computing device, whether the authorized transaction identified by the received information qualifies for the redemption campaign of the issuer of the card of the cardholder; and in the event that the authorized transaction identified by the received information qualifies for the redemption campaign of the issuer of the card of the cardholder, then; sending, by the RRN computing device via the mobile messaging system to the mobile device, a message indicating a marketing engagement to the cardholder wherein the marketing engagement requests a response from the cardholder; receiving, by the RRN computing device via the mobile messaging system from the mobile device, a response accepting the marketing engagement presented to the cardholder; transmitting, by the RRN computing device via the RRN network to the points account of the cardholder, an adjustment to be applied to the points account of the cardholder based on the marketing engagement and the received response accepting the engagement, wherein the points account of the cardholder is maintained by the RRN computing device; and transmitting, by the RRN computing device via the RRN network to the issuer of the card of the cardholder, said adjustment corresponding to the adjustment to the purchase price based on the transmitted point adjustment. - View Dependent Claims (24, 25)
- RRN network”
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26. A real-time redemption network (“
- RRN network”
) system comprising;a computer-readable storage medium having stored thereon records of points account information, wherein each record comprises a number associated with a card of the card holder, points account of the cardholder associated therewith, and a cardholder mobile device identifier; a data communication network interface for communicating with a mobile message delivery device; a data communication network interface for communicating with a campaign computing device storing a redemption campaign for an issuer; a data communication network interface for communicating with an authorization computing device of the issuer in a credit/debit transaction network, said authorization computing device authorizing credit/debit transactions at a point-of-sale; a data communication network interface for communication with a computing device storing redemption program cardholder records, said records identifying cards of cardholders participating the redemption program of the issuer; and a RRN network server, said server configured to execute computer-executable instructions for; receiving, via the authorization computing device data communication network interface, information identifying an authorized transaction at a point-of-sale, said authorized transaction involving an account of a cardholder, said account of the cardholder having a points account associated therewith; determining, at the RRN network server, whether the authorized transaction identified by the received information qualifies for the redemption campaign of the issuer stored on the campaign computing device; and in the event that the authorized transaction identified by the received information qualifies for the redemption campaign stored on the campaign computing device, then; sending, by the RRN network server via the mobile message delivery device data communication network interface to the mobile device based on the cardholder mobile identifier associated with the points account, a message indicating a marketing engagement to the cardholder wherein the marketing engagement requests a response from the cardholder; receiving, by the RRN network server via the mobile message delivery device data communication network interface from the mobile device, a response accepting the marketing engagement presented to the cardholder; applying, by the RRN network server, an adjustment to the points account based on the marketing engagement and the received response accepting the engagement; and transmitting, by the RRN computing device via a data communication network to the issuer of the card of the cardholder, an adjustment to the approved transaction amount based on the transmitted point adjustment. - View Dependent Claims (27)
- RRN network”
Specification