Methods and systems for displaying loyalty program information on a payment card

• US 8,701,989 B2
• Filed: 10/26/2012
• Issued: 04/22/2014
• Est. Priority Date: 09/23/2009
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Lehman, Garrett Delos
• Primary Examiner(s): Frech, Karl D
• Application Number:
  US13/661,544
• Publication Number:
  US 20130054340A1
• Time in Patent Office: 543 Days
• Field of Search: 235/375, 235/379, 235/380, 235/382, 235/487, 235/494
• US Class Current: 235/380
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]

Abstract

A method for displaying loyalty program information on a payment card is described. The payment card includes a processing device coupled to at least one display screen. The method includes receiving a loyalty program request message at a payment network wherein the loyalty program request message includes payment card identification data associated with the payment card, determining that the payment card is registered in a loyalty program based at least in part on the payment card identification data, electronically generating a loyalty program response message that includes loyalty program update data, and transmitting the loyalty program update data from the payment network to the payment card for displaying as loyalty program information on the at least one display screen.

Claims

1. A method for displaying loyalty program information on a payment card, the payment card having a processing device coupled to at least one display screen, said method comprising:

receiving a loyalty program request message at a payment network, the loyalty program request message including payment card identification data associated with the payment card;

determining that the payment card is registered in a loyalty program based at least in part on the payment card identification data;

electronically generating a loyalty program response message that includes loyalty program update data; and

transmitting the loyalty program update data from the payment network to the payment card for displaying as loyalty program information on the at least one display screen.

2. A method in accordance with claim 1, wherein electronically generating the loyalty program response message further comprises determining, at the payment network, a reward point balance for the payment card, wherein the reward point balance includes a number of reward points available to be applied toward a purchase using the payment card.

3. A method in accordance with claim 1, wherein the payment network includes a payment computer in communication with a point-of-sale (POS) device, and wherein receiving a loyalty program request message further comprises receiving the loyalty program request message at the payment computer from the POS device.

4. A method in accordance with claim 3, further comprising wirelessly transmitting the payment card identification data from the payment card to the POS device.

5. A method in accordance with claim 4, wherein the payment card identification data is encrypted before it is transferred from the payment card to the POS device.

6. A method in accordance with claim 1, wherein receiving the loyalty program request message at the payment network further comprises receiving an authorization request message that includes transaction data, wherein the transaction data represents a transaction initiated by a cardholder using the payment card.

7. A method in accordance with claim 6 further comprising receiving, at the payment network, a loyalty program reward usage signal requesting that at least a portion of a reward point balance associated with the payment card be applied to the transaction initiated by the cardholder.

8. A network-based system for displaying loyalty program information on a payment card, the payment card having a processing device coupled to at least one display screen, said system comprising:

a memory device for storing loyalty data; and

a computer device in communication with the memory device, the computer device configured to;

receive a loyalty program request message including payment card identification data associated with the payment card;

determine that the payment card is registered in a loyalty program based at least in part on the payment card identification data;

electronically generate a loyalty program response message that includes loyalty program update data; and

transmit the loyalty program update data, directly or indirectly, to the payment card for displaying as loyalty program information on the at least one display screen.

9. A network-based system in accordance with claim 8, wherein the computer device is further configured to determine a reward point balance for the payment card, wherein the reward point balance includes a number of reward points available to be applied toward a purchase using the payment card.

10. A network-based system in accordance with claim 8, wherein the computer device is in communication with a point-of-sale (POS) device, and wherein the computer device is further configured to receive the loyalty program request message from the POS device after the payment card identification data is wirelessly transmitted from the payment card to the POS device.

11. A network-based system in accordance with claim 10, wherein the payment card identification data is encrypted before it is transferred from the payment card to the POS device.

12. A network-based system in accordance with claim 8, wherein the computer device is further configured to receive an authorization request message that includes transaction data from a POS device associated with a merchant, wherein the transaction data represents a transaction initiated by a cardholder using the payment card with the merchant.

13. A network-based system in accordance with claim 12, wherein the computer device is further configured to receive a loyalty program reward usage signal requesting that at least a portion of a reward point balance associated with the payment card be applied to the transaction initiated by the cardholder.

14. A payment card for use in an electronic payment transaction, said payment card comprising:

a display screen;

a processing device coupled to said display screen; and

a wireless communication device coupled to said processing device, said wireless communication device configured to transmit payment card identification data and to receive loyalty program update data,

wherein the payment card identification data is for processing the electronic payment transaction; and

wherein the loyalty program update data is output from said processing device for display on said display screen.

15. A payment card in accordance with claim 14, wherein said payment card further comprises multiple display screens.

16. A payment card in accordance with claim 15, wherein a first display screen is configured to display a previously cleared loyalty point total, and a second display screen is configured to display a number of loyalty points earned after completing the electronic payment transaction.

17. A payment card in accordance with claim 14, wherein said payment card identification data is transmitted along with a loyalty indicator, the loyalty indicator indicating that the payment card is associated with a loyalty program.

18. A payment card in accordance with claim 14, wherein said payment card is configured to display the loyalty program update data on the display screen for a predetermined length of time.

19. A payment card in accordance with claim 14, wherein said payment card is configured to display the loyalty program update data on the display screen until the loyalty program update data is updated.

20. A payment card in accordance with claim 14, wherein said wireless communication device uses encryption to transmit payment card identification data and to receive loyalty program update data.