Consumer offer redemption methods and systems
First Claim
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.
4 Assignments
0 Petitions
Accused Products
Abstract
A computer-implemented offer redemption method includes the steps of: (a) storing information on a consumer and a 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 or a purchase from a retailer; (c) linking the offer to the consumer'"'"'s payment account; (d) monitoring transactions in the consumer'"'"'s payment account; and (e) when the consumer has purchased the product or service or made a purchase from the retailer covered by the linked offer using the consumer payment account, making payment for offer settlement to a payment processor managing the consumer'"'"'s payment account to be credited to the consumer'"'"'s payment account.
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Citations
23 Claims
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1. A computer-implemented offer redemption method comprising:
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(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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computerized offer redemption system, comprising:
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at least one processor; memory associated with the at least one processor; and a program supported in the memory for processing offers provided to consumers, the program having a plurality of instructions stored thereon which, when executed by the at least one processor, cause the at least one processor to; (a) store information on a consumer and on a consumer'"'"'s payment account associated with the consumer in a memory; (b) receive 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; (c) link the activated offer to the consumer'"'"'s payment account, after receiving activation of the offer from the consumer; (d) monitor transactions made over a period of time in the consumer'"'"'s payment account; and (e) 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 linked offer, transmit a verification request to an offer issuer or third party data provider 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, automatically making a payment for offer settlement to a payment processor to be credited to the consumer'"'"'s payment account. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A computer-implemented offer redemption method comprising:
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(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 prior to purchase 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 filter out ineligible transactions in the consumer'"'"'s payment account that do not meet the offer criteria; (f) transmitting a verification request using the computer storage system for any transactions remaining in the consumer'"'"'s payment account that are potentially covered by the linked offer; (g) matching a unique identifier of a product or service purchased in the transaction with a unique identifier specified in the offer to verify that the remaining transaction in the consumer'"'"'s payment account meets the linked offer criteria; (h) making payment for offer settlement to a payment processor to be credited automatically to the consumer'"'"'s payment account using the computer storage system.
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Specification