System and Method for Incentives
First Claim
1. A method for generating incentives comprising:
- generating data representing at least one targeted incentive based on;
incentive parameter data, andincentive redemption parameter data;
identifying at least one program registrant to administer the at least one targeted incentive data to based upon registrant parameter data of at least one program registrant of the incentive program;
associating the at least one targeted incentive data with at least one electronic payment instrument of the at least one program registrant;
receiving transaction data for at least one discrete purchase between the program registrant using the electronic payment instrument and at least one other party after completion of the at least one discrete purchase;
determining if the at least one discrete purchase satisfies the merchant incentive redemption parameter data; and
confidentially granting an incentive corresponding to the at least one targeted incentive data to the program registrant after completion of the at least one discrete purchase if the at least one discrete purchase satisfies the merchant incentive redemption parameter data, wherein the at least one party involved in the at least one discrete purchase is isolated from the confidential granting of the incentive to the program registrant.
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Accused Products
Abstract
The invention relates generally to systems and methods for the non-public creation, distribution and redemption of incentive offers. More particularly, the system and method generates incentives based on parameters selectable by merchants. The system and method constructs non-public incentive offers that are delivered to one or more program registrants satisfying a designated targeting profile and associated with one or more electronic payment instruments. Incentive offers may be redeemed confidentiality by the program registrant tendering an electronic payment instrument satisfying the parameters of the incentive offer. The invention further relates to systems and methods for participants to exert control over the volume and kind of incentives received through the system and by third party entities.
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Citations
34 Claims
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1. A method for generating incentives comprising:
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generating data representing at least one targeted incentive based on; incentive parameter data, and incentive redemption parameter data; identifying at least one program registrant to administer the at least one targeted incentive data to based upon registrant parameter data of at least one program registrant of the incentive program; associating the at least one targeted incentive data with at least one electronic payment instrument of the at least one program registrant; receiving transaction data for at least one discrete purchase between the program registrant using the electronic payment instrument and at least one other party after completion of the at least one discrete purchase; determining if the at least one discrete purchase satisfies the merchant incentive redemption parameter data; and confidentially granting an incentive corresponding to the at least one targeted incentive data to the program registrant after completion of the at least one discrete purchase if the at least one discrete purchase satisfies the merchant incentive redemption parameter data, wherein the at least one party involved in the at least one discrete purchase is isolated from the confidential granting of the incentive to the program registrant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 33, 34)
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8. A system for generating incentives comprising:
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an targeted incentive generation module configured to generate data representing at least one targeted incentive based on; incentive parameter data, and incentive redemption parameter data; an identification module configured to identify at least one program registrant to administer the at least one targeted incentive data to based upon registrant parameter data of at least one program registrant of the incentive program; an association module configured to associate the at least one targeted incentive data with at least one electronic payment instrument of the at least one program registrant; and a redemption module configured to; receive transaction data for at least one discrete purchase between the program registrant using the electronic payment instrument and at least one other party after completion of the at least one discrete purchase, determine if the at least one discrete purchase satisfies the merchant incentive redemption parameter data, and confidentially grant an incentive corresponding to the at least one targeted incentive data to the program registrant after completion of the at least one discrete purchase if the at least one discrete purchase satisfies the merchant incentive redemption parameter data, wherein the at least one party involved in the at least one discrete purchase is isolated from the confidential granting of the incentive to the program registrant.
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9. An incentive program management database system comprising:
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a plurality of one or more of program registrant identified or program registrant controlled database modules associated with at least one electronic payment instrument for at least one program registrant; wherein the plurality of one or more of program registrant identified or program registrant controlled database modules are incorporated into the incentive program management database according to identification and choice of modules by the program registrant; wherein the plurality of one or more of program registrant identified or program registrant controlled database modules are linked between two or more separate and isolated entities according to the choice of the program registrant; and an incentive program management hub linking the plurality of one or more of program registrant identified and program registrant controlled database modules, the incentive program management hub providing access to the plurality of one or more of program registrant identified and program registrant controlled database modules for the generation of confidential targeted incentives isolated from one or more of merchants, merchant acquirers, electronic payment instrument networks or electronic payment instrument issuing entities. - View Dependent Claims (10, 11)
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12. A method for generating distinct incentives between a plurality of program registrants comprising:
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identifying a plurality of program registrants to administer a related family of targeted incentives to based upon registrant parameter data; generating data representing at least one distinct targeted incentive in the related family of targeted incentives for one or more of the program registrants relative to other program registrants of the plurality of program registrants according to one or more incentive thresholds including; identifying the one or more incentive thresholds from incentive parameter data, comparing registrant parameter data of the one or more program registrants with the incentive parameter data, and generating first distinct targeted incentive data based on the comparison of the registrant parameter data with the incentive parameter data and a determination the registrant parameter data of the one or more program registrants achieves the one or more incentive thresholds; and associating the first distinct targeted incentive data with at least one electronic payment instrument of the one or more program registrants of the plurality of program registrants. - View Dependent Claims (13, 14, 15, 16, 17, 18)
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19. An incentive filtering system comprising:
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an authorizing module configured to request authorization for access to incentive data including one or more of incentive data configured for delivery to a filter system registrant'"'"'s account and incentive data in the filter system registrant'"'"'s account; an access module configured to access the incentive data; and a filter module configured to review and filter the incentive data, the filter module including one or more of; a screening module configured to block delivery of incentive data that satisfies one or more screening filter thresholds, and a removal module configured to remove delivered incentive data in the filter system registrant'"'"'s account that satisfies one or more removal filter thresholds. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26)
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27. A method for generating and delivering a stayed charge gift instrument comprising:
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generating a stayed charge gift instrument including; receiving designation data representing the identity of a gift recipient, receiving gift data representing the parameters of stayed charge gift instrument, receiving payment data representing the funding mechanism for the stayed charge gift instrument, and generating stayed charge gift instrument data representing the stayed charge gift instrument according to the designation data, the gift data and the payment data, wherein the stayed charge gift instrument data includes a gift value based on the gift data; delivering the stayed charge gift instrument data to the gift recipient; redeeming the stayed charge gift instrument including; using the stayed charge gift instrument data in a transaction satisfying the parameters of the stayed charge gift instrument data, and assessing a value of the transaction against the funding mechanism at the time or after the stayed charge gift instrument data is used in the transaction, wherein the value of the stayed charge gift instrument based on the gift data is not assessed against the funding mechanism until at least the time of assessing of the value of the transaction. - View Dependent Claims (28, 29, 30, 31, 32)
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Specification