Systems and Methods to Facilitate Loyalty Reward Transactions
First Claim
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1. A computer-implemented method, comprising:
- receiving, in a computing apparatus, a message using a communication system configured to communicate financial transactions; and
processing, via the computing apparatus, the message for an operation on a reward account configured to track a balance of loyalty rewards earned by a user.
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Abstract
A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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receiving, in a computing apparatus, a message using a communication system configured to communicate financial transactions; and processing, via the computing apparatus, the message for an operation on a reward account configured to track a balance of loyalty rewards earned by a user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A tangible computer storage medium storing instructions configured to instruct a computing apparatus to perform a method, the method comprising:
communicating, via the computing apparatus, an operation on a reward account, using a communication system configured to communicate financial transactions, the reward account configured to track a balance of loyalty rewards earned by a user. - View Dependent Claims (18)
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19. A computing apparatus, comprising:
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a transaction handler configured to process transactions, each of the transactions including a payment from an issuer to an acquirer in response to a financial account identifier, as issued by the issuer to a user, being submitted by a merchant to an acquirer processor of the acquirer, an issuer processor of the issuer configured to make the payment on behalf of the user, and the acquirer processor configured to receive the payment on behalf of the merchant; and a data warehouse configured to store data recording the transactions; wherein the transaction handler is further configured to identify a first message, among second messages configured for operations on financial account identifiers, the first message configured to request an operation on a reward account represented by a financial account identifier specified in the first message, the reward account configured to track a balance of loyalty rewards earned by the user; and wherein the transaction handler is further configured to process the first message for the operation requested in the first message. - View Dependent Claims (20)
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Specification