Customer benefit offer program enrollment

• US 8,505,813 B2
• Filed: 09/04/2009
• Issued: 08/13/2013
• Est. Priority Date: 09/04/2009
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grossman, Glenn M., Giordano, Joseph A.
• Primary Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US12/554,615
• Publication Number:
  US 20110057027A1
• Time in Patent Office: 1,439 Days
• Field of Search: 235/379, 235/375, 705/14.31, 705/67
• US Class Current: 235/379
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 21/6254 by anonymising data, e.g. decorrelating personal data from the owner's identification
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems

Abstract

Apparatus and methods for providing customer benefit offer program enrollment are provided. A system for enrolling a purchasing instrument in an electronic customer benefit offer program an electromagnetic receiver module. The receiver module may be configured to receive data from the purchasing instrument and receive from a customer a customer selection of a notification channel, the channel to be used for notifying the customer about a customer benefit. The system may also include a processor module configured to associate the purchasing instrument data with an account on an electronic platform so that a customer benefit offer that is stored on the platform may be associated with the purchasing instrument.

Claims

1. A method for enrolling a purchasing instrument in an electronic platform, the electronic platform for association of the purchasing instrument with customer benefit offers and store loyalty program discounts, the method comprising:

using an electromagnetic receiver module, receiving data from the purchasing instrument, the data comprising information associated with a credit card or debit card;

using the electromagnetic receiver module, receiving a customer selection of a notification channel from a customer, the channel to be used for notifying the customer about a plurality of customer benefit offers and a plurality of store loyalty program discounts;

using the electromagnetic receiver, receiving store loyalty program information that identifies the customer and that identifies a store loyalty program in which the customer participates;

using a processor module, associating the store loyalty program information with an account on the electronic platform, said account associated with a plurality of customer benefit offers and store loyalty program discounts stored on the platform; and

using the processor module, associating the purchasing instrument data with the account such that the plurality of customer benefit offers and store loyalty program discounts that are stored on the platform are associated with the purchasing instrument, said store loyalty program discounts otherwise available to customers participating in the store loyalty program upon presentation of a store loyalty program card at a point of sale, wherein use of the purchasing instrument at a point of sale triggers application of the associated customer benefit offers and store loyalty program discounts, and replaces presentation of a store loyalty program card.

2. The method of claim 1 wherein the receiving data from the purchasing instrument comprises receiving data via a web interface provided by the issuer of the purchasing instrument.

3. The method of claim 1 wherein receiving data from the purchasing instrument comprises using a card reader to read the data from a purchasing instrument magnetic strip.

4. The method of claim 1 wherein receiving data from the purchasing instrument comprises using an automated teller machine card reader to read the data from a purchasing instrument magnetic strip.

5. The method of claim 1 further comprising, using the electromagnetic receiver module, receiving a selection of an alternate notification channel, the alternate notification channel to be used for notifying the customer about a plurality of customer benefit offers and a plurality of store loyalty program discounts, the customer benefit offers and store loyalty program discounts being redeemable in connection with the purchase of goods at a point of sale terminal.

6. The method of claim 1 wherein receiving data from the purchasing instrument comprises using a point of sale terminal card reader to read the data from a purchasing instrument magnetic strip.

7. A computer usable medium having computer readable program code embodied therein, said computer readable program code adapted to be executed to implement a method for enrolling a purchasing instrument in an electronic platform, the electronic platform for association of the purchasing instrument with customer benefit offers and store loyalty program discounts, the method comprising:

receiving data from the purchasing instrument, the data comprising information associated with a credit card or debit card;

receiving a customer selection of a notification channel from a customer, the channel to be used for notifying the customer about a plurality of customer benefit offers and a plurality of store loyalty program discounts;

receiving store loyalty program information that identifies the customer and that identifies a store loyalty program in which the customer participates;

using a processor module, associating the store loyalty program information with an account on the electronic platform, said account associated with a plurality of customer benefit offers and store loyalty program discounts stored on the platform; and

using the processor module, associating the purchasing instrument data with the account such that the plurality of customer benefit offers and store loyalty program discounts that are stored on the platform are associated with the purchasing instrument, said store loyalty program discounts, in the absence of the method according to the invention, available to customers participating in the store loyalty program upon presentation of a store loyalty program card at a point of sale, wherein use of the purchasing instrument at a point of sale triggers application of the associated customer benefit offers and store loyalty program discounts, and replaces presentation of a store loyalty program card.

8. The medium of claim 7 wherein, in the method, the receiving data from the purchasing instrument comprises receiving data via a web interface provided by the issuer of the purchasing instrument.

9. The medium of claim 7 wherein, in the method, the receiving data from the purchasing instrument comprises using a card reader to read the data from a purchasing instrument magnetic strip.

10. The medium of claim 7 wherein, in the method, the receiving data from the purchasing instrument comprises using an automated teller machine card reader to read the data from a purchasing instrument magnetic strip.

11. The medium of claim 7 wherein the method further comprises receiving a selection of an alternate notification channel, the alternate notification channel to be used for notifying the customer about a plurality of customer benefit offers and a plurality of store loyalty program discounts, the customer benefit offers and store loyalty program discounts being redeemable in connection with the purchase of goods at a point of sale terminal.

12. The medium of claim 7 wherein, in the method, the receiving data from the purchasing instrument comprises using a point of sale terminal card reader to read the data from a purchasing instrument magnetic strip.

13. A system for enrolling a purchasing instrument in an electronic platform, the electronic platform for association of the purchasing instrument with customer benefit offers and store loyalty program discounts, the system comprising:

an electromagnetic receiver module configured to;

receive data from the purchasing instrument, the data comprising information associated with a credit card or debit card;

receive a customer selection of a notification channel from a customer, the channel to be used for notifying the customer about a plurality of customer benefit offers and a plurality of store loyalty program discounts; and

receive store loyalty program information that identifies the customer and that identifies a store loyalty program in which the customer participates; and

a processor module configured to;

associate the store loyalty program information with an account on the electronic platform, said account associated with a plurality of customer benefit offers and store loyalty program discounts stored on the platform; and

associate the purchasing instrument data with the account such that the plurality of customer benefit offers and store loyalty program discounts that are stored on the platform are associated with the purchasing instrument, said store loyalty program discounts otherwise available to customers participating in the store loyalty program upon presentation of a store loyalty program card at a point of sale, wherein use of the purchasing instrument at a point of sale triggers application of the associated customer benefit offers and store loyalty program discounts, and replaces presentation of a store loyalty program card.

14. The system of claim 13 wherein the receiver module is further configured to receive data via a web interface provided by the issuer of the purchasing instrument.

15. The system of claim 13 further comprising, when the purchasing instrument has a magnetic data strip, a card reader that is configured to read data from the magnetic data strip.

16. The system of claim 13 wherein the receiver module is further configured to receive a selection of an alternate notification channel, the alternate notification channel to be used for notifying the customer about a plurality of customer benefit offers and a plurality of store loyalty program discounts, the customer benefit offers and store loyalty program discounts being redeemable in connection with the purchase of goods at a point of sale terminal.

17. The system of claim 13 further comprising, when the purchasing instrument has a magnetic data strip, a point of sale terminal card reader that is configured to read data from the magnetic data strip.