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SYSTEMS AND METHODS TO PROCESS LOYALTY BENEFITS

  • US 20140310080A1
  • Filed: 06/25/2014
  • Published: 10/16/2014
  • Est. Priority Date: 06/04/2012
  • Status: Abandoned Application
First Claim
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1. A method, comprising:

  • providing, by a computing apparatus, a user interface to receive user input, the user input associatingloyalty benefits earned by a user from a first loyalty program provider anda benefit associated with account information of a consumer payment account that is under control of an issuer processor;

    storing, by the computing apparatus, data associating the loyalty benefits provided by the first loyalty program provider and the benefit associated with the account information;

    receiving, by the computing apparatus, an authorization communication for a payment transaction made in the consumer payment account using the account information, wherein the payment transaction pays an acquirer processor controlling a merchant account, via a transaction handler of a payment processing network, by the issuer processor controlling the consumer payment account; and

    applying, by the computing apparatus in response to the authorization communication, the benefit to the payment transaction based at least in part on funds backing the loyalty benefits provided by the first loyalty provider.

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