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SYSTEMS AND METHODS TO FACILITATE THE REDEMPTION OF LOYALTY CURRENCY

  • US 20140129314A1
  • Filed: 11/05/2013
  • Published: 05/08/2014
  • Est. Priority Date: 11/06/2012
  • Status: Active Application
First Claim
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1. A computer-implemented method, comprising:

  • receiving, in a computing apparatus, a user input identifying a loyalty currency source and a preference for redeeming loyalty currency from the loyalty currency source;

    determining, by the computing apparatus, that the user is eligible for an offer that satisfies the preference;

    transmitting, by the computing apparatus, a message to the user identifying the offer, in response to the determination that the user is eligible for the offer;

    monitoring, by the computing apparatus, transactions in a consumer payment account of the user to identify a first transaction that satisfies benefit redemption requirements of the offer;

    in response to the first transaction being processed for authorization, providing a benefit of the offer to the consumer account in exchange for an amount of reduction in a balance of the loyalty currency source; and

    transmitting, by the computing apparatus, a message to the user about the reduction in the balance in exchange for the benefit of the offer applied to the first transaction in the consumer payment account of the user.

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