Methods and systems for providing a targeted merchant funded rebate or rewards program
First Claim
1. A method of providing a merchant funded rebate program, the method comprising:
- enrolling at least one participating member account, the enrolled account capable of being used to make both online internet-based and point of sale purchases;
associating at least one rebate account with each participating member;
utilizing at least one participating member'"'"'s account purchase transaction information, spending habits, or member profile information to assist at least one current or prospective participating merchant in designing and offering to fund a qualifying rebate offer to said at least one participating member;
receiving account purchase transaction information from at least one processor that is located at a location or locations other than the location of the merchant funding the rebates and tracks account purchases to provide account purchase transaction information, said account purchase transaction information including account purchase transaction information of at least one participating merchant funding rebates, and including purchase transaction information for at least one enrolled participating member account and at least one non-enrolled account;
monitoring said account purchase transaction information including account purchase transaction information of at least one merchant funding rebates, via at least one processor that is located at a location or locations other than the location of the merchant funding the rebates, to determine whether or not a purchase transaction was consummated between an enrolled member and a particular participating merchant funding a rebate;
determining, via at least one processor that is located at a location or locations other than the location of the merchant funding the rebates, for those purchase transactions determined to be consummated by an enrolled member with a particular participating merchant, whether the purchase was a qualifying purchase entitling the participating member to a merchant funded rebate; and
calculating, using at least one processor, an earned sum due an enrolled member based on at least one qualifying purchase with at least one participating merchant funding rebates.
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Accused Products
Abstract
The present invention relates to facilitating retail transactions between participating enrolled members and participating merchants who fund rebate offers targeted to enrolled members based upon a member'"'"'s past account purchase transaction information, spending habits or member profile information, on qualifying purchases. Account purchase transaction information of merchants funding rebates is monitored by one or more processors at a location(s) other than the participating merchant'"'"'s location to determine whether a purchase transaction was consummated between an enrolled member and a particular participating merchant, and whether such transaction entitles the member to a merchant funded rebate or reward. The remote monitoring and determining gives the rebate program transparency; no special purpose cards/accounts, or loyalty cards need to be presented by the member and no additional checkout procedures or special equipment are needed by the participating merchants. The rebates or rewards earned can be applied to various accounts, financial instruments or obligations.
113 Citations
53 Claims
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1. A method of providing a merchant funded rebate program, the method comprising:
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enrolling at least one participating member account, the enrolled account capable of being used to make both online internet-based and point of sale purchases; associating at least one rebate account with each participating member; utilizing at least one participating member'"'"'s account purchase transaction information, spending habits, or member profile information to assist at least one current or prospective participating merchant in designing and offering to fund a qualifying rebate offer to said at least one participating member; receiving account purchase transaction information from at least one processor that is located at a location or locations other than the location of the merchant funding the rebates and tracks account purchases to provide account purchase transaction information, said account purchase transaction information including account purchase transaction information of at least one participating merchant funding rebates, and including purchase transaction information for at least one enrolled participating member account and at least one non-enrolled account; monitoring said account purchase transaction information including account purchase transaction information of at least one merchant funding rebates, via at least one processor that is located at a location or locations other than the location of the merchant funding the rebates, to determine whether or not a purchase transaction was consummated between an enrolled member and a particular participating merchant funding a rebate; determining, via at least one processor that is located at a location or locations other than the location of the merchant funding the rebates, for those purchase transactions determined to be consummated by an enrolled member with a particular participating merchant, whether the purchase was a qualifying purchase entitling the participating member to a merchant funded rebate; and calculating, using at least one processor, an earned sum due an enrolled member based on at least one qualifying purchase with at least one participating merchant funding rebates. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A system for providing a merchant funded rebate program, the rebate program including participating members, at least one enrolled account for a participating member, the enrolled account capable of being used to make both online internet-based and point of sale purchases with at least one merchant funding rebates, and at least one rebate account in which to apply rebates earned by participating members, the system comprising:
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at least one participating merchant offering to fund a rebate, directed to a participating member based upon the member'"'"'s account purchase transaction information, spending habits or member profile information, for a qualifying purchase made by a participating member from said participating merchant using an enrolled member account; a plurality of networked processors located at a location or locations other than the location of the merchant funding the rebates, said plurality of network processors configured to receive account purchase transaction information from at least one processor that is located at a location or locations other than the location of the merchant funding the rebates and tracks account purchases to provide account purchase transaction information, said account purchase transaction information including account purchase transaction information of at least one participating merchant funding rebates, and including purchase transaction information for at least one enrolled participating account and at least one non-enrolled account; monitor said account purchase transaction information including account purchase transaction information of at least one participating merchant funding rebates to determine whether or not a purchase transaction was consummated between an enrolled member and a particular participating merchant funding a rebate; and determine for those purchase transactions determined to be consummated by an enrolled member with a particular participating merchant, whether the purchase was a qualifying purchase entitling the participating member to a merchant funded rebate; and at least one processor configured to calculate an earned sum due an enrolled member based on at least one qualifying purchase with at least one participating merchant funding rebates. - View Dependent Claims (24, 25)
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26. A computer readable medium having stored thereon computer code configured to perform the steps of:
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enrolling at least one participating member account, the enrolled account capable of being used to make both online Internet-based and point of sale purchases; associating at least one rebate account with each participating member; utilizing at least one participating member'"'"'s account purchase transaction information, spending habits, or member profile information to assist at least one current or prospective participating merchant in designing and offering to fund a qualifying rebate offer to said at least one participating member; receiving account purchase transaction information from at least one processor that is located at a location or locations other than the location of the merchant funding the rebates and tracks account purchases to provide account purchase transaction information, said account purchase transaction information including account purchase transaction information of at least one participating merchant funding rebates, and including purchase transaction information for at least one enrolled participating member account and at least one non-enrolled account; monitoring said account purchase transaction information including account purchase transaction information of at least one merchant funding rebates, via at least one processor that is located at a location or locations other than the location of the merchant funding the rebates, to determine whether or not a purchase transaction was consummated between an enrolled member and a particular participating merchant funding a rebate; determining, via at least one processor that is located at a location or locations other than the location of the merchant funding the rebates, for those purchase transactions determined to be consummated by an enrolled member with a particular participating merchant, whether the purchase was a qualifying purchase entitling the participating member to a merchant funded rebate; and calculating, using at least one processor, an earned sum due an enrolled member based on at least one qualifying purchase with at least one participating merchant funding rebates.
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27. A method of providing a merchant funded rebate program, the method comprising:
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enrolling at least one participating member account, the enrolled account capable of being used to make both online internet-based and point of sale purchases; associating at least one rebate account with each participating member; having at least one participating merchant offering to fund a rebate for a qualifying purchase made by a participating member from said participating merchant using an enrolled member account; receiving account purchase transaction information from at least one processor that is located at a location or locations other than the location of the merchant funding the rebates and tracks account purchases to provide account purchase transaction information, said account purchase transaction information including account purchase transaction information of at least one participating merchant funding rebates, and including purchase transaction information for at least one enrolled participating member account and at least one non-enrolled account; monitoring said account purchase transaction information including account purchase transaction information of at least one merchant funding rebates, via at least one processor that is located at a location or locations other than the location of the merchant funding the rebates, to determine whether or not a purchase transaction was consummated between an enrolled member and a particular participating merchant funding a rebate; determining, via at least one processor that is located at a location or locations other than the location of the merchant funding the rebates, for those purchase transactions determined to be consummated by an enrolled member with a particular participating merchant, whether the purchase was a qualifying purchase entitling the participating member to a merchant funded rebate; and calculating, using at least one processor, an earned sum due an enrolled member based on at least one qualifying purchase with at least one participating merchant funding rebates. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49)
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50. A system for providing a merchant funded rebate program, the rebate program including participating members, at least one enrolled account for a participating member, the enrolled account capable of being used to make both online internet-based and point of sale purchases with at least one merchant funding rebates, at least one rebate account in which to apply rebates earned by participating members, and at least one participating merchant funding rebates for qualifying purchases made by a participating member from said participating merchant using a participating member'"'"'s enrolled account, the system comprising:
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a plurality of networked processors located at a location or locations other than the location of the merchant funding the rebates, said plurality of network processors configured to receive account purchase transaction information from at least one processor that is located at a location or locations other than the location of the merchant funding the rebates and tracks account purchases to provide account purchase transaction information, said account purchase transaction information including account purchase transaction information of at least one participating merchant funding rebates, and including purchase transaction information for at least one enrolled participating account and at least one non-enrolled account; monitor said account purchase transaction information including account purchase transaction information of at least one participating merchant funding rebates to determine whether or not a purchase transaction was consummated between an enrolled member and a particular participating merchant funding a rebate; and determine for those purchase transactions determined to be consummated by an enrolled member with a particular participating merchant, whether the purchase was a qualifying purchase entitling the participating member to a merchant funded rebate; and at least one processor configured to calculate an earned sum due an enrolled member based on at least one qualifying purchase with at least one participating merchant funding rebates. - View Dependent Claims (51, 52)
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53. A computer readable medium having stored thereon computer code configured to perform the steps of:
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enrolling at least one participating member account, the enrolled account capable of being used to make both online internet-based and point of sale purchases; associating at least one rebate account with each participating member; having at least one participating merchant offering to fund a rebate for a qualifying purchase made by a participating member from said participating merchant using an enrolled member account; receiving account purchase transaction information from at least one processor that is located at a location or locations other than the location of the merchant funding the rebates and tracks account purchases to provide account purchase transaction information, said account purchase transaction information including account purchase transaction information of at least one participating merchant funding rebates, and including purchase transaction information for at least one enrolled participating member account and at least one non-enrolled account; monitoring said account purchase transaction information including account purchase transaction information of at least one merchant funding rebates, via at least one processor that is located at a location or locations other than the location of the merchant funding the rebates, to determine whether or not a purchase transaction was consummated between an enrolled member and a particular participating merchant funding a rebate; determining, via at least one processor that is located at a location or locations other than the location of the merchant funding the rebates, for those purchase transactions determined to be consummated by an enrolled member with a particular participating merchant, whether the purchase was a qualifying purchase entitling the participating member to a merchant funded rebate; and calculating, using at least one processor, an earned sum due an enrolled member based on at least one qualifying purchase with at least one participating merchant funding rebates.
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Specification