SYSTEMS AND METHODS TO PROVIDE A USER INTERFACE FOR REDEMPTION OF LOYALTY REWARDS
First Claim
1. A method, comprising:
- storing, in a computing apparatus, data associatinga user profile of a user, the user profile identifying a plurality of loyalty programs of the user, and preferences and rules for redeeming loyalty currencies of the user from the loyalty programs,a payment account of the user, anda communication reference of the user;
receiving, in the computing apparatus, an authorization request for a payment transaction in the payment account;
in response to the authorization request, determining, by the computing apparatus, details of redemption of loyalty currencies from the loyalty programs in accordance with the preferences and rules identified in the user profile;
transmitting, by the computing apparatus in parallel with processing of the authorization request, a redemption notification to the communication reference associated with the payment account, the redemption notification configured to provide the details of the redemption of the loyalty currencies from the loyalty programs; and
providing, via the computing apparatus and based on the redemption notification, a user interface prompting the user to confirm the details of the redemption of the loyalty currencies from the loyalty programs.
1 Assignment
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Accused Products
Abstract
A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.
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Citations
20 Claims
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1. A method, comprising:
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storing, in a computing apparatus, data associating a user profile of a user, the user profile identifying a plurality of loyalty programs of the user, and preferences and rules for redeeming loyalty currencies of the user from the loyalty programs, a payment account of the user, and a communication reference of the user; receiving, in the computing apparatus, an authorization request for a payment transaction in the payment account; in response to the authorization request, determining, by the computing apparatus, details of redemption of loyalty currencies from the loyalty programs in accordance with the preferences and rules identified in the user profile; transmitting, by the computing apparatus in parallel with processing of the authorization request, a redemption notification to the communication reference associated with the payment account, the redemption notification configured to provide the details of the redemption of the loyalty currencies from the loyalty programs; and providing, via the computing apparatus and based on the redemption notification, a user interface prompting the user to confirm the details of the redemption of the loyalty currencies from the loyalty programs. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to at least:
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store, in a computing apparatus, data associating a user profile of a user, the user profile identifying a plurality of loyalty programs of the user, and preferences and rules for redeeming loyalty currencies of the user from the loyalty programs, a payment account of the user, and a communication reference of the user; receive, in the computing apparatus, an authorization request for a payment transaction identified in the payment account; in response to the authorization request, determine, by the computing apparatus, details of redemption of loyalty currencies from the loyalty programs in accordance with the preferences and rules in the user profile; transmit, by the computing apparatus in parallel with processing of the authorization request, a redemption notification to the communication reference associated with the payment account, the redemption notification configured to provide the details of the redemption of the loyalty currencies from the loyalty programs; and provide, via the computing apparatus and based on the redemption notification, a user interface prompting the user to confirm the details of the redemption of the loyalty currencies from the loyalty programs.
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20. A computing apparatus comprising:
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at least one microprocessor; and memory storing instructions configured to instruct the at least one microprocessor to at least; store, in a computing apparatus, data associating a user profile of the user, the user profile identifying a plurality of loyalty programs of a user, and preferences and rules for redeeming loyalty currencies of the user from the loyalty programs, a payment account of the user, and a communication reference of the user; receive, in the computing apparatus, an authorization request for a payment transaction in the payment account; in response to the authorization request, determine, by the computing apparatus, details of redemption of loyalty currencies from the loyalty programs in accordance with the preferences and rules identified in the user profile; transmit, by the computing apparatus in parallel with processing of the authorization request, a redemption notification to the communication reference associated with the payment account, the redemption notification configured to provide the details of the redemption of the loyalty currencies from the loyalty programs; and provide, via the computing apparatus and based on the redemption notification, a user interface prompting the user to confirm the details of the redemption of the loyalty currencies from the loyalty programs.
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Specification