System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag

• US 8,800,857 B1
• Filed: 09/26/2007
• Issued: 08/12/2014
• Est. Priority Date: 08/13/2001
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Schwarz, Charles E. Jr., Butler, Sheila S.
• Primary Examiner(s): HESS, DANIEL A
• Application Number:
  US11/903,813
• Time in Patent Office: 2,512 Days
• Field of Search: 235/375
• US Class Current: 235/375
• CPC Class Codes: G06Q 10/08 Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0212 Chance discounts or incentives
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0216 Investment accounts
• CPC Class Codes: G06Q 30/0219 based on funds or budget
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0264 based upon schedule
• CPC Class Codes: G06Q 30/0279 Fundraising management
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07B 15/063 using wireless information transmission between the vehicle and a fixed station identification of vehicles G08G
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

A system and method for tracking and crediting points and rewards in connection with a loyalty program account via aggregating usage of electronic tags is disclosed. Loyalty program members may be offered different rewards based on their participation in the loyalty program. The tags are embedded in objects which may provide visual distinctions between members at different participation levels. In addition to loyalty program rewards, loyalty program members who reach certain threshold participation levels may also be provided with “soft rewards” such as free valet parking, free car washes, free shopping assistance, private check-out, free package delivery and access to a private lounge.

Claims

1. A system for crediting loyalty program points to a loyalty program account, comprising:

a host computer comprising a programmable processor and a storage unit;

an object comprising an embedded electronic tag, wherein the embedded electronic tag comprises tag identification information, wherein the tag identification information is associated with a loyalty program account file stored in the storage unit of the host computer;

a tag identification information reader; and

a point-of-sale device in communication with the tag identification information reader, wherein the tag identification information reader is configured to receive the tag identification information from the embedded electronic tag at the time of making a purchase transaction at the point-of-sale device, wherein the point-of-sale device is configured to form a transaction file unique to the purchase transaction by combining the tag identification information with a purchase transaction amount, date and location of the purchase transaction, wherein the point-of-sale device is further in communication with the host computer,

wherein the host computer is configured to receive the transaction file,

wherein the programmable processor is configured to determine the tag identification information contained in the transaction file, determine the loyalty program account file that is associated with the tag identification information, store the purchase transaction amount, date and location of purchase in the associated loyalty program account file, determine whether loyalty points should be credited to the loyalty program account file according to predetermined conditions and aggregate credited loyalty program points in the loyalty program account file;

wherein the system allows a merchant to;

(a) identify, prior to the purchase transaction, a loyalty program customer who has achieved a defined participation level in the loyalty program, and (b) offer a reward to the loyalty program customer prior to the purchase transaction.

2. The system of claim 1, wherein the object comprising the embedded tag is selected according to one or more of the aggregate purchase amounts and number of purchase transactions conducted by the loyalty program customer within a predetermined time period.

3. The system of claim 2, wherein the object comprises one of a charm, a necklace, earrings, a ring, a bracelet, cuff links, a money clip, a watch, a tie clip, a tie tack, a wallet, a pocket knife, a lighter, a pen, a belt, a belt buckle, a dog tag, a medallion, a button, a pin, a lapel pin, a key ring, a dress, a hat, a sweater, shoes, sunglasses, a purse, a scarf, a barrette or a shopping bag.

4. The system of claim 2, wherein the object comprises a symbol, a name, one or more colors or a shape, or combinations thereof, that are associated with the sponsor of the loyalty program.

5. The system of claim 1, wherein the programmable processor of the host computer is configured to determine one or more rewards available to the customer based upon the aggregated total amount of loyalty program points in the loyalty program account file.

6. The system of claim 5, wherein the host computer is configured to debit loyalty program points from the loyalty program account file based upon receipt of one or more rewards by the customer.

7. The system of claim 1, wherein the point-of-sale device comprises the tag identification information reader.

8. The system of claim 1, wherein the point-of-sale device further comprises a display unit.

9. The system of claim 8, wherein the loyalty program account file comprises an image of the customer.

10. A method for maintaining a loyalty program account, comprising:

distributing an object comprising an embedded electronic tag to a loyalty program customer, wherein the embedded electronic tag comprises tag identification information, wherein the tag identification information is associated with a loyalty program account file associated with the loyalty program of the customer, wherein the loyalty program account file is stored in a storage unit of a host computer, wherein the host computer comprises a programmable processor and the storage unit;

detecting tag identification information emitted from the embedded electronic tag by a reader unit when the object comprising the embedded tag is presented by the loyalty program customer while conducting a purchase transaction at a point-of-sale device, wherein the reader is in communication with the point-of-sale device;

identifying, prior to the purchase transaction, a loyalty program customer who has achieved a defined participation level in the loyalty program;

offering a reward to such loyalty program customer prior to the purchase transaction;

forming a transaction file unique to the purchase transaction by the point-of-sale device by combining the tag identification information with purchase transaction amount, date and location of the purchase;

transmitting the transaction file from the point-of-sale device to the host computer;

receiving the transaction file by the host computer;

retrieving the tag identification information from the transaction file by the programmable processor of the host computer;

determining by the programmable processor of the host computer the loyalty program account file that is associated with the tag identification information;

storing in the associated loyalty program account file the purchase transaction amount, date and location;

determining by the programmable processing unit whether loyalty points should be credited to the loyalty program account file according to predetermined criteria; and

storing in the loyalty program account file credited loyalty points.

11. The method of claim 10, further comprising selecting the object in which the tag is embedded according to one or more of the aggregate purchase amounts for purchase transactions or the number of purchase transactions conducted by the loyalty program customer within a predetermined time period.

12. The method of claim 11, wherein the object comprises one of a charm, a necklace, earrings, a ring, a bracelet, cuff links, a money clip, a watch, a tie clip, a tie tack, a wallet, a pocket knife, a lighter, a pen, a belt, a belt buckle, a dog tag, a medallion, a button, a pin, a lapel pin, a key ring, a dress, a hat, a sweater, shoes, sunglasses, a purse, a scarf, a barrette or a shopping bag.

13. The method of claim 11, wherein the object comprises a symbol, a name, one or more colors or a shape, or combinations thereof, that are associated with the sponsor of the loyalty program.

14. The method of claim 10, further comprising determining by the programmable processor one or more rewards available to the customer based upon the aggregated total amount of loyalty program points in the loyalty program account file.

15. The method of claim 14, further comprising transmitting from the host computer to the point-of-sale device information regarding the rewards that are available to the customer.

16. The method of claim 10, further comprising retrieving by the host computer an electronic image of the customer from the loyalty program account file upon receipt of the tag identification information, transmitting the electronic image of the customer to the point-of-sale device, and displaying on a display unit in communication with the point-of-sale device the electronic image of the customer at the time of the transaction.

17. The method of claim 10, further comprising:

associating a funding source with the tag identification information in the loyalty program account file;

retrieving by the programmable processor information regarding the funding source upon retrieval of the tag identification information from the transaction file; and

funding the purchase transaction with the funding source.

18. A method for providing rewards to a loyalty program customer, comprising:

distributing an object comprising an embedded electronic tag to a loyalty program customer, wherein the embedded electronic tag comprises tag identification information, wherein the tag identification information is associated with a loyalty program account file, wherein the loyalty program account file is associated with the loyalty program of the customer in a storage unit of a host computer, wherein the host computer comprises a programmable processor and the storage unit;

detecting by a reader situated in a store location tag identification information emitted from the embedded electronic tag when the customer is present at the store location;

transmitting by the reader the tag identification information to the host computer,

receiving the tag identification information by the host computer;

determining by the programmable processor of the host computer the loyalty program account file that is associated with the tag identification information;

retrieving by the programmable processor an electronic image of the customer from the loyalty program account file upon receipt of the tag identification information;

transmitting the electronic image of the customer to a receiving unit in the store location;

displaying on a display unit in communication with the receiving unit the electronic image of the customer; and

offering a reward to the customer prior to the customer making a purchase.

19. The method of claim 18, further comprising identifying the customer by a person in communication with the receiving unit based on the received electronic image and thereafter offering the customer one or more rewards.

20. The method of claim 19, wherein the pre-determined threshold of participation comprises one or more of the number of purchases the customer has made from a store that sponsors the loyalty program and an aggregate transactions amount.

21. A computer-implemented method comprising:

providing an object comprising an electronic tag to a loyalty program customer who has achieved a predefined participation level in a loyalty program;

receiving electronic tag identification information from a tag identification information reader via a network;

sending to a communication device operated by a merchant employee, via a network, an electronic image of the loyalty program customer corresponding to the received electronic tag identification information; and

sending to the communication device, via the network, information identifying one or more rewards available to the loyalty program customer based on the predefined participation level achieved by the loyalty program customer;

wherein the merchant employee is able to identify the loyalty program customer by the object or by the electronic image and to offer the reward to the loyalty program customer prior to the loyalty program customer executing a purchase transaction.

22. The method of claim 21, wherein the object is selected based on the predefined participation level.

23. A system comprising:

a host computer comprising a programmed processor and a memory, wherein the programmed processor is configured to;

receive a transaction file via a network from a point of sale device that comprises electronic tag identification information, a purchase transaction amount, a date of purchase transaction, and a location of purchase transaction;

identify the electronic tag identification information contained in the transaction file;

identify a loyalty program account file that is associated with the electronic tag identification information;

determine whether loyalty points should be credited to the loyalty program account file according to predetermined conditions;

aggregate credited loyalty points in the loyalty program account file;

transmit an electronic image of the loyalty program customer via a network to a communication device operated by a merchant employee; and

transmit an identification of one or more rewards available to the loyalty program customer via the network to the communication device, enabling the merchant employee to offer the one or more rewards to the loyalty program customer prior to the loyalty program customer executing a purchase transaction.