MULTI-VENDOR MULTI-LOYALTY CURRENCY PROGRAM
First Claim
1. A method, comprising:
- accessing a customer profile of a first customer to implement loyalty program business rules provided by a first sponsor for a first loyalty program;
processing, via a computing device, transaction data for a first transaction of a plurality of transactions using the loyalty program business rules to compute a first amount of a first loyalty currency and a second amount of a second loyalty currency, the first and second currencies being different types of loyalty currencies; and
adding, via the computing device, the first amount to a first loyalty currency balance of a loyalty account of the first customer and the second amount to a second loyalty currency balance of the loyalty account.
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Accused Products
Abstract
Loyalty programs can be operated within a payment processing system having multiple vendors, thereby providing access to detailed transaction data and with the flexibility for customization of the loyalty programs themselves, by establishing a communication for the transfer of data via a customer-facing channel. When the payment processing system processes a transaction between a merchant and an account holder, in addition to obtaining payment for the merchant from the account via an acquirer and an issuer, respectively, a transaction handler tabulates and stores different types of loyalty currencies in a loyalty reward account associated with the account holder if the account holder is enrolled in a loyalty program and criteria for applying the loyalty program are satisfied. The account holder is provided access to the loyalty account via the customer-facing channel.
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Citations
20 Claims
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1. A method, comprising:
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accessing a customer profile of a first customer to implement loyalty program business rules provided by a first sponsor for a first loyalty program; processing, via a computing device, transaction data for a first transaction of a plurality of transactions using the loyalty program business rules to compute a first amount of a first loyalty currency and a second amount of a second loyalty currency, the first and second currencies being different types of loyalty currencies; and adding, via the computing device, the first amount to a first loyalty currency balance of a loyalty account of the first customer and the second amount to a second loyalty currency balance of the loyalty account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer-readable medium storing instructions which, when executed on a computer system, cause the computer system to:
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compare, via a computing device, transaction data in a request to process a transaction between a first merchant and a first customer with respective requirements of a plurality of loyalty programs including a first loyalty program; process the transaction data using loyalty program business rules and customer transaction history data to compute a first loyalty currency amount and a second loyalty currency amount, the first and second loyalty currency amounts corresponding to different types of loyalty currencies; and in response to the transaction data meeting the requirements of the first loyalty program, award, via the computing device, the first loyalty currency amount to a first loyalty currency balance of the first customer and the second loyalty currency amount to a second loyalty currency balance of the first customer. - View Dependent Claims (11, 12, 13, 14)
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15. A system, comprising:
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at least one processor; and memory storing instructions configured to instruct the at least one processor to; receive a request to process a transaction between a first merchant and a first customer, the request comprising transaction data; compare the transaction data with the respective requirements of a plurality of loyalty programs; process the transaction data using loyalty program business rules to compute a first loyalty currency amount and a second loyalty currency amount, the first and second loyalty currency amounts corresponding to different types of loyalty currencies; and in response to the transaction data meeting the requirements of a first loyalty program, award the first loyalty currency amount to a first loyalty currency balance of an account of the first customer and the second loyalty currency amount to a second loyalty currency balance of the account. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification