IPC분류정보
국가/구분 |
United States(US) Patent
등록
|
국제특허분류(IPC7판) |
|
출원번호 |
US-0382638
(2006-05-10)
|
등록번호 |
US-8155999
(2012-04-10)
|
발명자
/ 주소 |
- de Boer, Elts
- Jackson, Glyn Philip
- Ramsey, Samuel Martin
- Voltmer, Theodore S.
|
출원인 / 주소 |
- Propulsion Remote Holdings, LLC
|
인용정보 |
피인용 횟수 :
51 인용 특허 :
267 |
초록
▼
A system and method for implementing a merchant loyalty program is disclosed. The invention includes receiving purchase data, wherein the purchase data comprises a consumer account code, a purchase amount, and a service establishment code; associating the service establishment code with a merchant p
A system and method for implementing a merchant loyalty program is disclosed. The invention includes receiving purchase data, wherein the purchase data comprises a consumer account code, a purchase amount, and a service establishment code; associating the service establishment code with a merchant proprietor rewards account code; calculating a reward amount based on the purchase amount; and, crediting a merchant proprietor reward account with at least a portion of said reward amount.
대표청구항
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1. A method for facilitating a merchant reward program, said method comprising the steps of: receiving, by a computer, a first financial transaction authorization request comprising first purchase data, wherein said first purchase data comprises a first transaction account code, a first purchase amo
1. A method for facilitating a merchant reward program, said method comprising the steps of: receiving, by a computer, a first financial transaction authorization request comprising first purchase data, wherein said first purchase data comprises a first transaction account code, a first purchase amount, and a first service establishment code;associating, by said computer, said first service establishment code with a first merchant proprietor rewards account code;associating, by said computer, said first transaction account code with a second merchant proprietor rewards account code;calculating, by said computer, a first reward amount and a second reward amount;crediting, by said computer, a first merchant proprietor rewards account with at least a portion of said first reward amount, wherein said first merchant proprietor rewards account is associated with said first merchant proprietor rewards account code;crediting, by said computer, a second merchant proprietor rewards account with at least a portion of said second reward amount, wherein said second merchant proprietor rewards account is associated with said second merchant proprietor rewards account code;receiving, at said computer, a second financial transaction authorization request comprising second purchase data, wherein said second purchase data comprises a second transaction account code, a second purchase amount, and a second service establishment code;associating, by said computer, said second service establishment code with said second merchant proprietor rewards account code;associating, by said computer, said second transaction account code with said first merchant proprietor rewards account code;calculating, by said computer, a third reward amount and a fourth reward amount; and,crediting, by said computer, said second merchant proprietor rewards account with at least a portion of said third reward amount; andcrediting, by said computer, said first merchant proprietor rewards account with at least a portion of said fourth reward amount. 2. The method of claim 1, wherein said crediting said first merchant proprietor rewards account includes calculating said first reward amount based on a daily summary of transaction volume associated with said service establishment code. 3. The method of claim 1, wherein said crediting said second merchant proprietor rewards account includes calculating said reward amount based on consumer spend discount volume. 4. The method of claim 1, further comprising the steps of: receiving a store keeping unit (SKU) code;determining a manufacturer item code based upon said SKU code;determining a manufacturer rewards account based upon said manufacturer item code; and,crediting said manufacturer rewards account with a fifth reward amount. 5. The method of claim 4, wherein said determining said manufacturing rewards account includes performing an analysis that is further dependent upon at least one of a manufacturer identifier and a consumer profile. 6. The method of claim 5, wherein said consumer profile comprises at least one of a date on which a consumer made a particular purchase, a frequency of purchases, a quantity of purchases, and a total transaction price. 7. The method of claim 1, wherein said crediting said first merchant proprietor rewards account includes crediting based upon at least one of consumer purchasing, consumer not purchasing, a Universal Product Code, a Stock Keeping Unit code, purchases within a defined timeframe, purchases outside of a defined timeframe, items from a specific merchant, items from a group of merchants, items in a defined geographic region, a type of authorized transaction, a purchased item, a type of merchant, a particular store, transaction amount, daily spending, and biometric data. 8. The method of claim 1, wherein said crediting said first merchant proprietor rewards account further comprises calculating said reward amount based upon a reward ratio determined by at least one of a card sponsor, a card provider, a merchant, and a manufacturer. 9. The method of claim 1, wherein said first reward amount comprise at least one of a coupon, a gift certificate, reward points, a product, and a service. 10. The method of claim 1, further comprising performing data analysis using at least one of said first transaction account code, said first service establishment code, said purchase data, a retailer item identifier, a manufacturer item identifier, said reward amount, a manufacturer ID, and a consumer profile. 11. A system for facilitating a merchant reward program, said system comprising: a network interface;a processor configured to execute a computer program;a memory; andthe computer program configured to:receive a first financial transaction authorization request comprising first purchase data, wherein said first purchase data comprises a first transaction account code, a first purchase amount, and a first service establishment code;associate said first service establishment code with a first merchant proprietor rewards account code;associate said first transaction account code with a second merchant proprietor rewards account code;calculate a first reward amount and a second reward amount;credit a first merchant proprietor rewards account with at least a portion of said first reward amount, wherein said first merchant proprietor rewards account is associated with said first merchant proprietor rewards account code;credit a second merchant proprietor rewards account with at least a portion of said second reward amount, wherein said second merchant proprietor rewards account is associated with said second merchant proprietor rewards account code;receive a second financial transaction authorization request comprising second purchase data, wherein said second purchase data comprises a second transaction account code, a second purchase amount, and a second service establishment code;associate said second service establishment code with said second merchant proprietor rewards account code;associate said second transaction account code with said first merchant proprietor rewards account code;calculate a third reward amount and a fourth reward amount; and,credit said second merchant proprietor rewards account with at least a portion of said third reward amount; andcredit said first merchant proprietor rewards account with at least a portion of said fourth reward amount. 12. A computer-readable storage medium encoded with processing instructions for implementing a method, said processing instructions directing a computer to perform the steps of: receiving first financial transaction authorization request comprising first purchase data, wherein said first purchase data comprises a first transaction account code, a first purchase amount, and a first service establishment code;associating said first service establishment code with a first merchant proprietor rewards account code;associating said first transaction account code with a second merchant proprietor rewards account code;calculating a first reward amount and a second reward amount;crediting a first merchant proprietor rewards account with at least a portion of said first reward amount, wherein said first merchant proprietor rewards account is associated with said first merchant proprietor rewards account code;crediting a second merchant proprietor rewards account with at least a portion of said second reward amount, wherein said second merchant proprietor rewards account is associated with said second merchant proprietor rewards account code;receiving a second financial transaction authorization request comprising second purchase data, wherein said second purchase data comprises a second transaction account code, a second purchase amount, and a second service establishment code;associating said second service establishment code with said second merchant proprietor rewards account code;associating said second transaction account code with said first merchant proprietor rewards account code;calculating a third reward amount and a fourth reward amount; and,crediting said second merchant proprietor rewards account with at least a portion of said third reward amount; andcrediting said first merchant proprietor rewards account with at least a portion of said fourth reward amount. 13. A method for establishing a merchant reward program, said method comprising the steps of: processing, by a computer for establishing a merchant reward program, an application for a merchant proprietor transaction account having an associated merchant proprietor reward account, wherein said application is received from a merchant proprietor;assigning, by said computer and in response to said application being approved, a transaction account number to said merchant proprietor and a service establishment number to a service establishment associated with said merchant proprietor; and,associating, by said computer, said transaction account number with said service establishment number;awarding, by said computer, a first reward amount to said merchant proprietor reward account based upon purchase transactions by said merchant proprietor using said transaction account number and a second reward amount to said merchant proprietor reward account based upon transaction requests associated with said service establishment number. 14. The method of claim 13, further comprising processing purchase data comprising a consumer account code, a purchase amount, and a service establishment code. 15. The method of claim 14, further comprising associating said consumer account code with a plurality of said service establishment codes. 16. The method of claim 14, further comprising associating said consumer account code with a plurality of said transaction account numbers. 17. The method of claim 13, further comprising processing said application for a merchant proprietor transaction account through a capture agency using an account decisioning and approval system.
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