SYSTEM AND METHOD FOR COUPON-LESS PRODUCT LEVEL DISCOUNTS
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Abstract
A product level discount is managed during a transaction by receiving a transaction identifier associated with a transaction, where the transaction identifier comprises a transaction value, a customer account identifier, a merchant identifier, and a product identifier. A product identifier is assessed to determine whether the transaction qualifies for a rebate credit in accordance with a predetermined offer. A rebate credit value is based on the transaction information and the predetermined offer, and qualification may be determined based on at least one of the customer account identifier and the merchant identifier. The product identifier could be a SKU code, which may be the basis for qualifying for the rebate credit. A merchant associated with the merchant identifier, which is part of the transaction, does not need to be informed of the application of the rebate credit to the customer account, which occurs after completion of the transaction.
58 Citations
41 Claims
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1-21. -21. (canceled)
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22. A method comprising:
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receiving, by a computer based system for managing a product level discount, transaction information associated with a transaction from a merchant, wherein the transaction information comprises a transaction value, a transaction account identifier, and a merchant identifier; receiving, by the computer based system, a product identifier from a computing device; assessing, by the computer based system, the product identifier to determine whether the transaction information qualifies for a reward in accordance with an offer based on rules of a rewards program associated with the transaction account; and determining, by the computer based system, the reward based on the transaction information and the offer. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37)
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- 38. The method of 37, wherein the qualification for the reward is based on at least one of an aggregate transaction history associated with the transaction account, and real time spend data associated with the transaction account.
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40. A non-transitory, tangible computer-readable storage medium having computer-executable instructions stored thereon that, if executed by a computer based system for managing a product level discount, cause the computer based system to perform operations comprising:
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receiving, by the computer based system, transaction information associated with a transaction from a merchant, wherein the transaction information comprises a transaction value, a transaction account identifier, and a merchant identifier; receiving, by the computer based system, a product identifier from a computing device; assessing, by the computer based system, the product identifier to determine whether the transaction information qualifies for a reward in accordance with an offer based on rules of a rewards program associated with the transaction account; and determining, by the computer based system, the reward based on the transaction information and the offer.
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41. A computer based system for managing a product level discount comprising:
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a network interface communicating with a memory; the memory communicating with a processor for managing a product level discount; and the processor, when executing a computer program, performs operations comprising; receiving, by the processor, transaction information associated with a transaction from a merchant, wherein the transaction information comprises a transaction value, a transaction account identifier, and a merchant identifier; receiving, by the processor, a product identifier from a computing device; assessing, by the processor, the product identifier to determine whether the transaction information qualifies for a reward in accordance with an offer based on rules of a rewards program associated with the transaction account; and determining, by the processor, the reward based on the transaction information and the offer.
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Specification