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Consumer offer redemption methods and systems

  • US 8,489,456 B2
  • Filed: 05/30/2012
  • Issued: 07/16/2013
  • Est. Priority Date: 08/04/2010
  • Status: Active Grant
First Claim
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1. A computer-implemented offer redemption method comprising:

  • (a) storing information on a consumer and on a consumer'"'"'s payment account associated with the consumer in a computer storage system;

    (b) receiving activation of an offer from the consumer covering a product or service available from a retailer prior to the consumer purchasing the product or service and storing it in the computer storage system;

    (c) linking the activated offer to the consumer'"'"'s payment account after receiving activation of the offer from the consumer;

    (d) monitoring transactions made over a period of time in the consumer'"'"'s payment account using the computer storage system;

    (e) using the computer storage system to determine whether a transaction in the consumer'"'"'s payment account is potentially covered by the linked offer by filtering out ineligible transactions in the consumer'"'"'s payment account that do not meet offer criteria;

    (f) when the transaction is determined to be potentially covered by the offer, transmitting a verification request to an offer issuer or third party data provider using the computer storage system to verify that the transaction is covered by the offer by matching a unique identifier of a product or service purchased in the transaction with a unique identifier specified in the offer;

    (g) when the transaction is verified by the offer issuer to be covered by the offer, making payment for offer settlement to a payment processor to be automatically credited to the consumer'"'"'s payment account_using the computer storage system.

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