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 or a purchase from a retailer prior to the consumer purchasing the product or service or 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; and
(e) using the computer storage system to determine when the consumer has purchased the product or service or made a purchase from the retailer covered by the linked offer using the consumer'"'"'s payment account, making payment for offer settlement to a payment processor managing the consumer'"'"'s payment account 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
44 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 or a purchase from a retailer prior to the consumer purchasing the product or service or 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; and (e) using the computer storage system to determine when the consumer has purchased the product or service or made a purchase from the retailer covered by the linked offer using the consumer'"'"'s payment account, making payment for offer settlement to a payment processor managing the consumer'"'"'s payment account 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 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 filter out ineligible transactions in the consumer'"'"'s payment account that do not meet offer criteria; (f) transmitting a verification request to an offer issuer or third party data provider using the computer storage system for any transactions that remain in the consumer'"'"'s payment account after filtering out ineligible transactions 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; and (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 (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A computerized offer redemption system, comprising:
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at least one processor; and memory associated with the at least one processor; 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 or a purchase from a retailer prior to the consumer purchasing the product, service or purchase; (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) when the consumer has purchased the product or service or made a purchase from the retailer covered by the linked offer using the consumer'"'"'s payment account, make payment for offer settlement to a payment processor managing the consumer'"'"'s payment account to be automatically credited to the consumer'"'"'s payment account using the computer storage system. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30, 31, 32, 33)
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34. A computerized offer redemption system, comprising:
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at least one processor; and memory associated with the at least one processor; 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 (35, 36, 37, 38, 39, 40, 41, 42, 43, 44)
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Specification