Management of an Offer for a Financial Incentive
First Claim
46. A system of providing an offer for a financial incentive, the system comprising:
- an offer server operative to (i) receive an offer criterion from a merchant, the offer criterion established by the merchant for each user of a plurality of users and associated with a product or service offered by the merchant, (ii) receive first data indicative of at least partial satisfaction of the offer criterion by a user of the plurality of users, and (iii) determine whether the first data has caused the user to satisfy the offer criterion for that user; and
wherein, when the first data has caused the user to satisfy the offer criterion for that user, the offer server is further operative to provide to the user, via a mobile device associated with the user, second data representative of an offer for a financial incentive redeemable with the merchant.
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Abstract
A way of providing offers for financial incentives to users as part of an electronic customer loyalty, rewards, or discount program involving one or more merchants is provided. For example, an offer criterion is received from a merchant. The offer criterion is established by the merchant for each user and associated with one or more products or services offered by the merchant. First data indicative of at least partial satisfaction of the offer criterion by a user is received. It is determined whether the first data has caused the user to satisfy the offer criterion for that user. Upon determining that the first data has caused the user to satisfy the offer criterion for that user, second data is provided to a mobile device associated with the user. The second data is representative of an offer for a financial incentive redeemable with the merchant.
145 Citations
66 Claims
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46. A system of providing an offer for a financial incentive, the system comprising:
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an offer server operative to (i) receive an offer criterion from a merchant, the offer criterion established by the merchant for each user of a plurality of users and associated with a product or service offered by the merchant, (ii) receive first data indicative of at least partial satisfaction of the offer criterion by a user of the plurality of users, and (iii) determine whether the first data has caused the user to satisfy the offer criterion for that user; and wherein, when the first data has caused the user to satisfy the offer criterion for that user, the offer server is further operative to provide to the user, via a mobile device associated with the user, second data representative of an offer for a financial incentive redeemable with the merchant. - View Dependent Claims (1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65)
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54-1. The system of claim 46, the system further comprising a database, wherein the offer server is further operative to store the first data in the database.
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66. A system for providing an offer for a financial incentive, the system comprising a processor and a memory coupled therewith, the system further comprising:
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first logic stored in the memory and executable by the processor to cause the processor to receive an offer criterion associated with a product or service offered by a merchant, the offer criterion established by the merchant for each user of a plurality of users; second logic stored in the memory and executable by the processor to cause the processor to receive, from a mobile device associated with a user of the plurality of users, first data indicative of at least partial satisfaction of the offer criterion by the user; third logic, coupled with the first logic and the second logic, stored in the memory and executable by the processor to cause the processor to determine whether the first data has caused the user to satisfy the offer criterion; and fourth logic, coupled with the third logic, stored in the memory and executable to cause the processor to provide to the mobile device second data representative of an offer for a financial incentive redeemable with the merchant when the first data has caused the user to fully satisfy the offer criterion.
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Specification