System and method for providing international coupon-less discounts
First Claim
1. A method comprising:
- receiving, by a computer based system for managing offers, offer information from a sponsoring entity, wherein the offer information defines a geographic region of an offer, a currency of a transaction, and parameters to define a population that is eligible for the offer, and wherein the currency of the transaction is a first monetary currency and the population that is eligible for the offer is associated with a second monetary currency;
generating, by the computer based system, the offer based on the offer information;
identifying, by the computer based system, a transaction account that is eligible for the offer, wherein the transaction account is associated with a member of the population, wherein the transaction account is associated with the second monetary currency, and wherein the transaction account is eligible based on at least one of current location information associated with the member, location information associated with a travel itinerary of a member, spend data associated with a current location of a member, an action in a digital channel associating the current location of the member with the geographic region of the offer, and an action in a digital channel associating the future location of the member with the geographic region of the offer;
transmitting, by the computer based system, the offer to the member of the population through the digital channel;
linking, by the computer based system, an acceptance of the offer with the transaction account, wherein the acceptance is received through the digital channel;
receiving, by the computer based system, transaction information associated with the transaction account, wherein the transaction information includes spend data in the first monetary currency;
determining, by the computer based system, an amount of a reward in the first monetary currency in response to the transaction information at least partially matching the offer information;
converting, by the computer based system, the amount of the reward in the first monetary currency to an amount of the reward in the second monetary currency; and
crediting, by the computer based system, the reward to the transaction account.
1 Assignment
0 Petitions
Accused Products
Abstract
The systems and methods of the disclosure allow user from various countries to take advantage of offers when they are traveling internationally. Once the purchase associated with the offer is made, the transaction information may be processed by the system, such that, the credit and debit associated with the purchase are transmitted to the transaction account and the merchant. The transaction information may be further processed to determine whether the particular transaction is eligible for a reward. Where the transaction is eligible for a reward, the credit and debit associated with reward are transmitted to the transaction account and the sponsoring entity. The reward may be provided in any suitable currency or in various currencies based on the parameters governing the reward offer.
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Citations
21 Claims
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1. A method comprising:
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receiving, by a computer based system for managing offers, offer information from a sponsoring entity, wherein the offer information defines a geographic region of an offer, a currency of a transaction, and parameters to define a population that is eligible for the offer, and wherein the currency of the transaction is a first monetary currency and the population that is eligible for the offer is associated with a second monetary currency; generating, by the computer based system, the offer based on the offer information; identifying, by the computer based system, a transaction account that is eligible for the offer, wherein the transaction account is associated with a member of the population, wherein the transaction account is associated with the second monetary currency, and wherein the transaction account is eligible based on at least one of current location information associated with the member, location information associated with a travel itinerary of a member, spend data associated with a current location of a member, an action in a digital channel associating the current location of the member with the geographic region of the offer, and an action in a digital channel associating the future location of the member with the geographic region of the offer; transmitting, by the computer based system, the offer to the member of the population through the digital channel; linking, by the computer based system, an acceptance of the offer with the transaction account, wherein the acceptance is received through the digital channel; receiving, by the computer based system, transaction information associated with the transaction account, wherein the transaction information includes spend data in the first monetary currency; determining, by the computer based system, an amount of a reward in the first monetary currency in response to the transaction information at least partially matching the offer information; converting, by the computer based system, the amount of the reward in the first monetary currency to an amount of the reward in the second monetary currency; and crediting, by the computer based system, the reward to the transaction account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A tangible, non-transitory computer-readable storage medium having stored thereon sequences of instructions, the sequences of instructions including instructions which, when executed by a computer based system for managing offers, cause the computer based system to perform operations comprising:
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receiving, by the computer based system, offer information from a sponsoring entity, wherein the offer information defines a geographic region of an offer, a currency of a transaction, and parameters to define a population that is eligible for the offer, and wherein the currency of the transaction is a first monetary currency and the population that is eligible for the offer is associated with a second monetary currency; generating, by the computer based system, the offer based on the offer information; identifying, by the computer based system, a transaction account that is eligible for the offer, wherein the transaction account is associated with a member of the population, wherein the transaction account is associated with the second monetary currency, and wherein the transaction account is eligible based on at least one of current location information associated with the member, location information associated with a travel itinerary of a member, spend data associated with a current location of a member, an action in a digital channel associating the current location of the member with the geographic region of the offer, and an action in a digital channel associating the future location of the member with the geographic region of the offer; transmitting, by the computer based system, the offer to the member of the population through the digital channel; linking, by the computer based system, an acceptance of the offer with the transaction account, wherein the acceptance is received through the digital channel; receiving, by the computer based system, transaction information associated with the transaction account, wherein the transaction information includes spend data in the first monetary currency; determining, by the computer based system, an amount of a reward in the first monetary currency in response to the transaction information at least partially matching the offer information; converting, by the computer based system, the amount of the reward in the first monetary currency to an amount of the reward in the second monetary currency; and crediting, by the computer based system, the reward to the transaction account.
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21. A computer based system comprising:
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a processor capable of managing offers; a network interface communicating with a tangible, non-transitory memory; and the processor, when executing a computer program, perform operations comprising; receiving, by the processor, offer information from a sponsoring entity, wherein the offer information defines a geographic region of an offer, a currency of a transaction, and parameters to define a population that is eligible for the offer, and wherein the currency of the transaction is a first monetary currency and the population that is eligible for the offer is associated with a second monetary currency; generating, by the processor, the offer based on the offer information; identifying, by the processor, a transaction account that is eligible for the offer, wherein the transaction account is associated with a member of the population, wherein the transaction account is associated with the second monetary currency, and wherein the transaction account is eligible based on at least one of current location information associated with the member, location information associated with a travel itinerary of a member, spend data associated with a current location of a member, an action in a digital channel associating the current location of the member with the geographic region of the offer, and an action in a digital channel associating the future location of the member with the geographic region of the offer; transmitting, by the processor, the offer to the member of the population through the digital channel; linking, by the processor, an acceptance of the offer with the transaction account, wherein the acceptance is received through the digital channel; receiving, by the processor, transaction information associated with the transaction account, wherein the transaction information includes spend data in the first monetary currency; determining, by the processor, an amount of a reward in the first monetary currency in response to the transaction information at least partially matching the offer information; converting, by the processor, the amount of the reward in the first monetary currency to an amount of the reward in the second monetary currency; and crediting, by the processor, the reward to the transaction account.
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Specification