Network centric loyalty system
First Claim
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1. A method for providing a loyalty program for a plurality of merchants and a plurality of issuers, the method comprising:
- providing an issuer identifier to an issuer in the plurality of issuers, the issuer identifier maintained by a host and usable to generate a portable device identifier for a portable device issued by the issuer, the portable device configured to conduct purchases;
generating a root credential associated with the host;
providing an issuer credential to the issuer that is derived from the root credential, the issuer credential usable to derive a portable device credential that is associated with the portable device;
providing one or more portable device parameters to the portable device;
providing a corresponding unique acceptance point device credential, the issuer credential, the issuer identifier and one or more loyalty parameters associated with the issuer identifier to an acceptance point device located only at a store operated by a single merchant in the plurality of merchants;
wherein the issuer identifier enables the acceptance point device to associate the portable device identifier for the portable device with the issuer when the portable device identifier is determined from communications between the portable device and the acceptance point device during a purchase;
wherein the portable device credential enables the acceptance point device to authenticate the portable device using the issuer credential;
wherein the one or more loyalty parameters enable the acceptance point device to determine at the store if the portable device is eligible for the loyalty program;
wherein the acceptance point device is further configured to determine that the portable device is eligible for the loyalty program based upon the one or more portable device parameters, when the one or more portable device parameters are determined from communications between the portable device and the acceptance point device; and
wherein the acceptance point device is configured to update and communicate appropriate incentives to the portable device.
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Accused Products
Abstract
A network centric system that enables participation by any number of entities including sponsors, issuers, merchants, portable devices, and acceptance point devices in one or more loyalty programs is provided. Any combination of entities may be specified for different loyalty programs.
251 Citations
25 Claims
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1. A method for providing a loyalty program for a plurality of merchants and a plurality of issuers, the method comprising:
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providing an issuer identifier to an issuer in the plurality of issuers, the issuer identifier maintained by a host and usable to generate a portable device identifier for a portable device issued by the issuer, the portable device configured to conduct purchases; generating a root credential associated with the host; providing an issuer credential to the issuer that is derived from the root credential, the issuer credential usable to derive a portable device credential that is associated with the portable device; providing one or more portable device parameters to the portable device; providing a corresponding unique acceptance point device credential, the issuer credential, the issuer identifier and one or more loyalty parameters associated with the issuer identifier to an acceptance point device located only at a store operated by a single merchant in the plurality of merchants; wherein the issuer identifier enables the acceptance point device to associate the portable device identifier for the portable device with the issuer when the portable device identifier is determined from communications between the portable device and the acceptance point device during a purchase; wherein the portable device credential enables the acceptance point device to authenticate the portable device using the issuer credential; wherein the one or more loyalty parameters enable the acceptance point device to determine at the store if the portable device is eligible for the loyalty program; wherein the acceptance point device is further configured to determine that the portable device is eligible for the loyalty program based upon the one or more portable device parameters, when the one or more portable device parameters are determined from communications between the portable device and the acceptance point device; and wherein the acceptance point device is configured to update and communicate appropriate incentives to the portable device. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A system for providing one or more loyalty programs for a plurality of merchants, a plurality of issuers, and a plurality of portable devices, the loyalty program having one or more sponsors, wherein each portable device is configured to conduct purchases and includes a portable device credential, a portable device identifier and one or more portable device parameters, the system comprising:
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an acceptance point device located only at a store operated by a single merchant in the plurality of merchants, the acceptance point device including a corresponding unique acceptance point device credential and an issuer credential and issuer identifier for each issuer in the plurality of issuers and one or more loyalty parameters associated with at least one issuer identifier, wherein the issuer credential is derived from a root credential associated with a host and the portable device credential is derived from the issuer credential, and wherein the one or more loyalty parameters comprise a first card group number, wherein the host maintains each issuer identifier; wherein, during a purchase, the acceptance point device is configured to determine at the store the portable device identifier and the one or more portable device parameters from a portable device in the plurality of portable devices and associate the determined portable device identifier with the issuer identifier for an issuer in the plurality of issuers; wherein the acceptance point device is further configured to use the issuer credential to authenticate the portable device credential; wherein the acceptance point device is further configured to determine the one or more portable device parameters and associate the one or more portable device parameters with the one or more loyalty parameters associated with the associated issuer identifier; wherein the acceptance point device is further configured to determine that the portable device is eligible for the loyalty program based upon the portable device parameters; and wherein the acceptance point device is configured to update and communicate appropriate incentives to the portable device. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14)
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15. An acceptance point device located at a store operated by a single merchant, the acceptance point device comprising:
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a storage area configured to maintain a corresponding unique acceptance point device credential derived from a root credential associated with a host, and corresponding loyalty program information for a plurality of loyalty programs, wherein for each loyalty program, the corresponding loyalty program information includes registration information pertaining to a plurality of portable devices that are eligible to participate in that loyalty program and loyalty parameters that are used to facilitate determination of eligibility in connection with the plurality of portable devices and calculation of a loyalty incentive under that loyalty program, wherein each portable device in the plurality of portable devices is configured to conduct purchases; a storage area for an issuer credential associated with an issuer and derived from the root credential, wherein the issuer credential is used to authenticate a portable device credential associated with a portable device in the plurality of portable devices, wherein the portable device credential is derived from the issuer credential; a storage area for an issuer identifier associated with the issuer, wherein during a purchase transaction, the acceptance point device is configured to determine at the store a portable device identifier from the portable device in the plurality of portable devices and associate the determined portable device identifier with the issuer identifier; a storage area containing control logic configured to communicate with the portable device in connection with the purchase transaction and determine whether the portable device is eligible to participate in any one of the plurality of loyalty programs based upon one or more portable device parameters included on the portable device; and a storage area containing control logic configured to update and communicate appropriate incentives to the portable device. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22)
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23. A system for providing a loyalty program for a plurality of merchants and a plurality of issuers, the system comprising:
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a host configured to maintain an issuer identifier for each of the plurality of issuers and to maintain a plurality of loyalty parameters for the loyalty program, the plurality of loyalty parameters associated with at least one issuer identifier, wherein the host comprises a root credential, and wherein the root credential is used to derive an issuer credential and a portable device credential; a portable device configured to conduct purchases and associated with an issuer in the plurality of issuers, wherein the portable device includes the portable device credential and one or more portable device parameters and a portable device identifier associated with the corresponding issuer identifier of the associated issuer of the portable device; and an acceptance point device located only at a store operated by a single merchant in the plurality of merchants, the acceptance point device including, at the store, a corresponding unique acceptance point device credential, the issuer credential, and each issuer identifier maintained by the host and one or more of the plurality of maintained loyalty parameters maintained by the host; wherein the acceptance point device is configured to communicate with the portable device during a purchase to determine the portable device identifier and associate, at the store, the determined portable device identifier with the corresponding issuer identifier for the associated issuer of the portable device; wherein the acceptance point device uses the issuer credential to authenticate the portable device credential included with the portable device; wherein the acceptance point device is further configured to associate, at the store, the one or more portable device parameters with the one or more of the plurality of maintained loyalty parameters associated with the associated issuer identifier; wherein the acceptance point device is further configured to determine, at the store, that the portable device is eligible for the loyalty program based upon the portable device parameters; wherein the acceptance point device is configured to update and communicate appropriate incentives to the portable device; wherein the host is configurable to communicate the issuer identifiers to the acceptance point device; and wherein the host is configured to use an appropriate encryption/decryption algorithm and security protocols to maintain privacy of the issuer identifiers. - View Dependent Claims (24, 25)
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Specification