Systems and/or methods for fraud detection in award point programs

• US 8,595,062 B2
• Filed: 11/15/2010
• Issued: 11/26/2013
• Est. Priority Date: 11/15/2010
• Status: Active Grant

• Current Assignee: e2Interactive Incorporated
• Original Assignee: Nintendo of America, Inc. (Nintendo Company Limited)
• Inventors: Junger, Peter J., Cheney, Brian
• Primary Examiner(s): Weiss, John G
• Assistant Examiner(s): CHORNESKY, ADAM B
• Application Number:
  US12/926,382
• Publication Number:
  US 20120123845A1
• Time in Patent Office: 1,107 Days
• Field of Search: 705/14.26, 705/14.32
• US Class Current: 705/14.26
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0232 Frequent usage rewards other than merchandise, cash or travel
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward

Abstract

Certain exemplary embodiments described herein relate to the field of electronic registration (ER) of purchased items and, more particularly, to improved electronic registration techniques that provide validation and/or verification services for an award points program and/or products having associated award points. Certain exemplary embodiments provide electronic award points management techniques that authenticate item purchases, determine eligibility for inclusion in a manufacturer'"'"'s or a retailer'"'"'s award program, help identify and detect potential fraudulent transactions involving award points and/or associated products, etc. Certain exemplary embodiments may allow point information to be printed directly on a case where it is continually visible, which may, in turn, help increase enrollment by increasing visibility of the program, reducing the likelihood of insert cards being lost, etc., while at the same time reducing costs for program implementation on the part of manufacturers, retailers, etc.

Claims

1. A method of detecting potentially fraudulent transactions, the method comprising:

providing an electronic registration (ER) system having an ER database of entries for sold items, each said entry including a unique identifier of a corresponding sold item, and each said item having reward points associated therewith, the reward points being redeemable in connection with a rewards program administered at least in part by a rewards program system;

querying the ER database to locate a matching entry when an item is presented for return or refund at a location, using a processor of the ER system, and

determining whether the item presented for return or refund has been registered with the rewards program system and whether reward points associated with the item presented for return or refund have been credited to a member and/or redeemed by the member when the item is presented for return or refund at the location, using the processor of the ER system;

sending a signal to the location authorizing the return or refund subject to any return/refund policies of the location when the item presented for return or refund has not been registered with the rewards program system and the reward points associated with the item presented for return or refund have not been credited to the member;

sending a signal to the location authorizing the return or refund subject to any return/refund policies of the location, and authorizing the debiting of a corresponding number of reward points from the member when the item presented for return or refund has been registered with the rewards program system and the reward points associated with the item presented for return or refund have been credited to the member; and

sending a signal to the location denying the return or refund when the item presented for return or refund has been registered with the rewards program system, the reward points associated with the item presented for return or refund have been credited to the member, and the reward points have been redeemed.

2. The method of claim 1, wherein the item is one of either a rewards point card, or a physical product having an associated number of rewards points.

3. The method of claim 2, wherein each said entry in the ER database includes a serial number of the sold item, along with a date and time of the associated sale.

4. The method of claim 3, wherein each said entry in the ER database includes a return/refund policy associated with the item.

5. The method of claim 2, further comprising sending a message to a manufacturer of the item to prompt the manufacturer to issue a credit to the location upon successful return or refund.

6. The method of claim 2, further comprising instructing personnel at the location to dispose of or destroy the item upon successful return or refund of a rewards point card.

7. The method of claim 2, further comprising instructing personnel at the location to return the item to a manufacturer thereof upon successful return or refund of a physical product having an associated number of rewards points.

8. The method of claim 2, wherein the ER system is consulted prior to any reward points being credited to a member to determine whether the item being registered with the rewards program system has been properly sold.

9. The method of claim 8, further comprising when the ER system determines that an item being registered with the rewards program system has already been previously registered, causing the rewards program system to obtain additional information pertaining to the sale of the item being registered to determine whether the current registration is improper or whether the previous registration is improper.

10. The method of claim 9, wherein the additional information comprises information from a receipt of the sale of the item.

11. A method of detecting potentially fraudulent transactions, the method comprising:

providing an electronic registration (ER) system having an ER database of entries for sold items, each said entry including item information including at least a unique identifier of a corresponding sold item, and each said item having reward points associated therewith, the reward points being redeemable in connection with a rewards program administered at least in part by a rewards program system;

determining whether information for an item being registered with the rewards program system by a member of the rewards program exists in the ER database in cooperation with a processor of the ER system;

updating the ER database in cooperation with the processor of the ER system so as to include an entry for the item being registered and authorizing the rewards program system to award reward points associated with the item to the member registering the item, the entry including an anonymous member identifier, when the ER database does not include information for the item being registered; and

examining item information entered by the member who previously registered the product and item information entered by the member attempting to register the product to identify a suspected fraudster when the ER database includes information for the item being registered, and

sending the anonymous member identifier of the suspected fraudster to the rewards program system providing for potential follow-up by rewards program personnel when the ER database includes information for the item being registered.

12. The method of claim 11, wherein the item is one of either a rewards point card, or a physical product having an associated number of rewards points.

13. The method of claim 12, wherein the ER database includes entries for items from a plurality of manufacturers operating a plurality of rewards programs.

14. The method of claim 12, wherein the ER system is consulted via the rewards program system prior to any point redemption activities to determine whether a predetermined amount of time has elapsed since points have been credited to a member.

15. The method of claim 12, wherein the anonymous member identifiers stored in the ER database are generated by applying a hash algorithm to members'"'"' e-mail addresses such that the members'"'"' e-mail addresses are needed to decode the anonymous member identifiers.

16. An electronic registration (ER) system, comprising:

an ER database including a plurality of entries for sold items, each said entry including a unique identifier of a corresponding sold item, and each said item having reward points associated therewith, the reward points being redeemable in connection with a rewards program administered at least in part by a rewards program system; and

a processor configured to execute instructions for querying the ER database,

wherein the processor is configured to search the ER database when an item is presented for return or refund at a location to (a) locate a matching entry, and (b) determine whether the item presented for return or refund has been registered with the rewards program system and whether reward points associated with the item presented for return or refund have been credited to a member and/or redeemed by the member,

wherein the processor is further configured to generate and send a signal to the location authorizing the return or refund subject to any return/refund policies of the location when the item presented for return or refund has not been registered with the rewards program system and the reward points associated with the item presented for return or refund have not been credited to the member,

wherein the processor is further configured to generate and send a signal to the location authorizing the return or refund subject to any return/refund policies of the location when the item presented for return or refund has been registered with the rewards program system and the reward points associated with the item presented for return or refund have been credited to the member and further authorizing the debiting of a corresponding number of reward points from the member, and

wherein the processor is further configured to generate and send a signal to the location denying the return or refund when the item presented for return or refund has been registered with the rewards program system, the reward points associated with the item presented for return or refund have been credited to the member, and the reward points have been redeemed,

wherein the item is one of either a rewards point card, or a physical product having an associated number of rewards points.

17. The system of claim 16, wherein the processor is further configured to send a message to a manufacturer of the item to prompt the manufacturer to issue a credit to the location upon successful return or refund.

18. The system of claim 16, wherein the processor is further configured to generate and send a message to the location instructing personnel at the location to dispose of or destroy the item upon successful return or refund of a rewards point card and to return the item to a manufacturer thereof upon successful return or refund of a physical product having an associated number of rewards points.

19. The system of claim 16, wherein the ER system is consulted by the rewards program system to determine whether the item being registered with the rewards program system has been properly sold prior to any reward points being credited to a member.

20. The system of claim 19, wherein the ER system is further configured to cause the rewards program system to obtain additional information pertaining to the sale of the item being registered to determine whether the current registration is improper or whether the previous registration is improper when the ER system determines that an item being registered with the rewards program system has already been previously registered.

21. The system of claim 20, wherein the additional information comprises information from a receipt of the sale of the item.

22. An electronic registration (ER) system, comprising:

an ER database including entries for sold items, each said entry including item information including at least a unique identifier of a corresponding sold item, and each said item having reward points associated therewith, the reward points being redeemable in connection with a rewards program administered at least in part by a rewards program system; and

a processor configured to determine whether information for the item being registered exists in the ER database when an item is being registered with the rewards program system by a member of the rewards program,

wherein the ER database is updatable when the processor indicates that the ER database does not include information for the item being registered so as to include an entry for the item being registered and wherein the processor is configured to instruct the rewards program system to award reward points associated with the item to the member registering the item, the entry including an anonymous member identifier, and

wherein the processor is further configured to examine item information entered by the member who previously registered the product and item information entered by a member attempting to register the product to identify a suspected fraudster, and send the anonymous member identifier of the suspected fraudster to the rewards program system providing for potential follow-up by rewards program personnel,

wherein the item is one of either a rewards point card, or a physical product having an associated number of rewards points.

23. The system of claim 22, wherein the ER database includes entries for items from a plurality of manufacturers operating a plurality of rewards programs.

24. The system of claim 22, wherein the ER system is consulted via the rewards program system prior to any point redemption activities to determine whether a predetermined amount of time has elapsed since points have been credited to a member.

25. The system of claim 22, wherein the anonymous member identifiers stored in the ER database are generated by applying a hash algorithm to members'"'"' e-mail addresses such that the members'"'"' e-mail addresses are needed to decode the anonymous member identifiers.