SYSTEM AND METHOD FOR PROVIDING FRANCHISE REWARDS

• US 20140200983A1
• Filed: 01/14/2014
• Published: 07/17/2014
• Est. Priority Date: 01/14/2013
• Status: Abandoned Application

• Current Assignee: Mozido, LLC (Fintiv, Inc.)
• Original Assignee: Mozido, LLC (Fintiv, Inc.)
• Inventors: Bacastow, Steve, Sadeckas, Robert
• Application Number:
  US14/155,001
• Publication Number:
  US 20140200983A1
• Time in Patent Office: Days
• US Class Current: 705/14.28
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/0227 Frequent usage incentive value reconciliation between diverse systems

Abstract

Embodiments are directed to sharing a loyalty and rewards program across multiple merchants. In one scenario, a computer system receives an indication that a user has redeemed a specified number of loyalty points using a redemption code for items at a second merchant, where the user has received at least some loyalty points from a first merchant as the result of a prior purchase, and where the user'"'"'s loyalty points are stored in loyalty points store. The computer system then debits, from the user'"'"'s store of loyalty points, the specified number of loyalty points redeemed by the user, credits the second merchant with at least some of the value associated with the items paid for using the stored loyalty points, and debits the first merchant for at least some of the value associated with the items paid for using the user'"'"'s stored loyalty points.

Claims

1. A computer system comprising the following:

one or more processors;

system memory;

one or more computer-readable storage media having stored thereon computer-executable instructions that, when executed by the one or more processors, causes the computing system to perform a method for sharing a loyalty and rewards program across a plurality of merchants, the method comprising the following;

receiving an indication that a user has redeemed a specified number of loyalty points using a redemption code for one or more items at a second merchant, the user having received at least a portion of the loyalty points from a first merchant as the result of a prior purchase, the user'"'"'s loyalty points being stored in loyalty points store;

debiting, from the user'"'"'s store of loyalty points, the specified number of loyalty points redeemed by the user;

crediting the second merchant with at least a portion of the value associated with the items paid for using the stored loyalty points; and

debiting the first merchant for at least a portion of the value associated with the items paid for using the user'"'"'s stored loyalty points.

2. The computer system of claim 1, further comprising:

receiving an indication that a user has purchased one or more items from the first merchant;

generating the redemption code that includes one or more loyalty points from the purchase at the first merchant; and

providing the redemption code to the user.

3. The computer system of claim 1, wherein the redemption code is a perishable code that expires after a specified amount of time.

4. The computer system of claim 1, wherein the loyalty points store tracks the user'"'"'s cumulative loyalty points, and further tracks loyalty points for each merchant at which the user has done business.

5. The computer system of claim 4, wherein the loyalty points store includes an indication of each purchase made by the user, along with an indication of the location at which each purchase was made.

6. The computer system of claim 1, wherein the first and second merchants are members of the same franchise.

7. The computer system of claim 6, further comprising:

determining that the user has made purchases in a plurality of different franchise stores within the franchise;

determining, based on purchase information stored in the loyalty points store, which franchise stores the user received loyalty points from and how many points were received from each franchise store; and

upon determining that the user has redeemed one or more loyalty points at one of the franchise stores, crediting one or more of the franchise stores with at least a portion of the value of the item paid for using loyalty points.

8. The computer system of claim 7, wherein the portion of value paid to the franchise stores is proportional to the amount of loyalty points rewarded by that franchise store to the user.

9. The computer system of claim 1, wherein redemption codes are generated automatically upon determining that the user has stored a sufficient number of loyalty points.

10. The computer system of claim 1, wherein redemption codes are redeemable in a specified set of stores.

11. The computer system of claim 10, wherein the specified set of stores is defined by and enforced using geofencing.

12. A computer program product for implementing a method for sharing a loyalty and rewards program across a plurality of merchants, the computer program product comprising one or more computer-readable storage media having stored thereon computer-executable instructions that, when executed by one or more processors of the computing system, cause the computing system to perform the method, the method comprising:

receiving an input from a user indicating that a specified number of stored loyalty points are to be used to at least partially pay for a specified item at a second merchant, wherein at least a portion of the stored loyalty points were received from a first merchant as the result of a prior purchase;

generating a redemption code that is configured to redeem the specified number of loyalty points to at least partially pay for the specified item at the second merchant;

sending the redemption code to a second computer system, such that the user'"'"'s store of loyalty points is debited by the specified number of loyalty points, the second merchant is credited with at least a portion of the value associated with the items paid for using the stored loyalty points, and the first merchant is debited for at least a portion of the value associated with the items paid for using the user'"'"'s stored loyalty points;

receiving an indication that the specified number of loyalty points was redeemed and that the specified item is at least partially paid for.

13. The computer program product of claim 12, wherein the input indicating that a specified number of stored loyalty points are to be used to at least partially pay for a specified item is generated automatically upon determining that the user has initiated a payment using a mobile wallet application.

14. The computer program product of claim 13, wherein the mobile wallet application uses a combination of payment methods to pay for the specified item including at least the specified number of stored loyalty points and one other payment method.

15. The computer program product of claim 13, wherein the mobile wallet application is running on a mobile computing device.

16. The computer program product of claim 13, wherein the mobile wallet application is used to store the user'"'"'s stored loyalty points.

17. At a computer system including at least one processor and a memory, a computer-implemented method for sharing a loyalty and rewards program across a plurality of merchants, the method comprising:

receiving an indication that a user has redeemed a specified number of loyalty points using a redemption code for one or more items at a second merchant, the user having received at least a portion of the loyalty points from a first merchant as the result of a prior purchase, the user'"'"'s loyalty points being stored in loyalty points store;

debiting, from the user'"'"'s store of loyalty points, the specified number of loyalty points redeemed by the user;

crediting the second merchant with at least a portion of the value associated with the items paid for using the stored loyalty points; and

debiting the first merchant for at least a portion of the value associated with the items paid for using the user'"'"'s stored loyalty points.

18. The method of claim 17, further comprising:

receiving an indication that a user has purchased one or more items from the first merchant;

generating the redemption code that includes one or more loyalty points from the purchase at the first merchant; and

providing the redemption code to the user.

19. The method of claim 17, wherein the first and second merchants are members of the same franchise.

20. The method of claim 19, further comprising:

determining that the user has made purchases in a plurality of different franchise stores within the franchise;

determining, based on purchase information stored in the loyalty points store, which franchise stores the user received loyalty points from and how many points were received from each franchise store; and

upon determining that the user has redeemed one or more loyalty points at one of the franchise stores, crediting one or more of the franchise stores with at least a portion of the value of the item paid for using loyalty points.