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序号 专利名 申请号 申请日 公开(公告)号 公开(公告)日 发明人
101 System and method for administering a loyalty program and processing payments US11486707 2006-07-14 US20080011837A1 2008-01-17 Robert J. Wesley
The present invention is directed to a system and method for administration of a customer loyalty program at a point of sale terminal. The system, in one embodiment, contains a database of customer records for the loyalty program where each customer record contains information about a customer's payment device and information about a customer's mobile device. The system may locate a customer record in a database based on payment device or mobile device information captured at the point of sale terminal and apply any applicable loyalty program discounts. The system may then forward the payment device information to a third-party payment processor for payment processing. The system may print out a receipt at the point of sale terminal indicating any discounts and containing a promotional message. The system may also send a promotional message to the customer's mobile device using the mobile device information stored in the customer's record.
102 UNIVERSAL LOYALTY PROGRAM AND SYSTEM, WHICH CAN INCLUDE ASPECTS IN FOOD AND MEDICINE RECALL, ANTI-COUNTERFEITING, ANTI-IDENTITY THEFT, ANTI-CREDIT CARD FRAUD AND MORE US13733665 2013-01-03 US20130179241A1 2013-07-11 Jiwen Liu
The present invention includes providing a universal loyalty program, such as, for example, a loyalty program that includes participation of multiple separately-owned large retail companies as well as users who are customers of each of the companies. Wide and large scale participation and data sharing, among companies or other entities as well as users, may be encouraged, incentivized, obtained and rewarded, such as through programs provided by the universal loyalty program. Such programs may include, among others, a food recall related program, a medicine recall related program, an anti-counterfeiting program, a credit card fraud prevention program, and an anti-identity theft program. Moreover, the universal loyalty program, as well as the other programs, may themselves benefit and be strengthened by the wide and large scale participation, including the resulting wide and large scale data sharing, collection, mining and uses afforded in part thereby.
103 Loyalty Point Reward System US13912111 2013-06-06 US20140365287A1 2014-12-11 Maher Pedersoli
A method to configure a loyalty points reward program, where the method configures a loyalty program server comprising computer readable program code to configure a loyalty point merchant consortium and a loyalty point customer consortium comprising a plurality of participating consumers. The method further dynamically sets a universal loyalty point value, and determines a quantity of universal loyalty points to allocate to the first customer based upon prior purchases made by the first consumer from the plurality of participating merchants.
104 SYSTEMS AND/OR METHODS FOR IMPLEMENTING A CUSTOMER SAVINGS MERIT PROGRAM PCT/US2012050239 2012-08-10 WO2013025458A3 2013-08-15 JUNGER PETER J; SECRETO KRISTIN
Certain exemplary embodiments relate to techniques for facilitating a joint supplier/retailer driven customer loyalty program that specifically advocates customer loyalty by reaching out to consumers with offers that are relevant to the individual shopper and a particular experience they have had. A link between a product and/or service, and a specific customer is provided, e.g., to help facilitate the offering of an incentive (e.g., in the form of a voucher) to a customer who has had a less than satisfactory experience with a particular brand, product, service, sales experience, etc. An opportunity to repair the relationship with a customer who might otherwise be dissatisfied with a product or experience is provided through the provision of customizable customer savings merit programs.
105 CONSUMER DATABASE LOYALTY PROGRAM FOR A MONEY TRANSFER SYSTEM US14294944 2014-06-03 US20140278900A1 2014-09-18 Chrismar Scribner; Brent Carter; Todd Shellenbarger; Ryan Jandris; Tani Kalweit
A money transfer system provided in connection with a loyalty program where the loyalty program members are assigned a loyalty identifier. The system includes point of entry ports to communicate transaction information with points of entry; a promotion database, a customer database, a pricing database, an analytics port to communicate marketing information with a marketing analytics system and a transaction processing system. The transaction processing system updates the promotion database as a function of the marketing information, receives money transfer transaction requests including loyalty identifiers, determines whether the requested transactions are entitled to loyalty program promotions, prices the transactions as a function of base transaction pricing and promotions pricing of any promotions to which the transaction is entitled, provides the transaction pricing information, updates the customer database as a function of transaction information and periodically provides transaction information to the analytics port.
106 Consumer database loyalty program for a money transfer system US11846323 2007-08-28 US08788278B2 2014-07-22 Chrismar Scribner; Brent Carter; Todd Shellenbarger; Ryan Jandris; Tani Kalweit
A money transfer system provided in connection with a loyalty program where the loyalty program members are assigned a loyalty identifier. The system includes point of entry ports to communicate transaction information with points of entry; a promotion database, a customer database, a pricing database, an analytics port to communicate marketing information with a marketing analytics system and a transaction processing system. The transaction processing system updates the promotion database as a function of the marketing information, receives money transfer transaction requests including loyalty identifiers, determines whether the requested transactions are entitled to loyalty program promotions, prices the transactions as a function of base transaction pricing and promotions pricing of any promotions to which the transaction is entitled, provides the transaction pricing information, updates the customer database as a function of transaction information and periodically provides transaction information to the analytics port.
107 CONSUMER DATABASE LOYALTY PROGRAM FOR A MONEY TRANSFER SYSTEM US11846323 2007-08-28 US20090063261A1 2009-03-05 Chrismar Scribner; Brent Carter; Todd Shellenbarger; Ryan Jandris; Tani Kalweit
A money transfer system provided in connection with a loyalty program where the loyalty program members are assigned a loyalty identifier. The system includes point of entry ports to communicate transaction information with points of entry; a promotion database, a customer database, a pricing database, an analytics port to communicate marketing information with a marketing analytics system and a transaction processing system. The transaction processing system updates the promotion database as a function of the marketing information, receives money transfer transaction requests including loyalty identifiers, determines whether the requested transactions are entitled to loyalty program promotions, prices the transactions as a function of base transaction pricing and promotions pricing of any promotions to which the transaction is entitled, provides the transaction pricing information, updates the customer database as a function of transaction information and periodically provides transaction information to the analytics port.
108 A METHOD AND SYSTEM FOR DISTRIBUTING AND REDEEMING TARGETED OFFERS TO CUSTOMERS PCT/US2006061608 2006-12-05 WO2007126440A3 2008-01-03 HAWKINS GARY; NIEMIEC JANUSZ; CARPENTER BROWN H
Methods and systems are provided for activating and redeeming product discount offers targeted to particular customers. Information related to a merchant loyalty program such as t-logs, customer loyalty information, redemption history, customer segmentation data, and merchant product taxonomies are regularly transmitted to an incentive management system for storage. Merchants can then generate pools of offers and submit them to the incentive management system, which analyzes the characteristics of the offers and uses the information related to the merchant loyalty program to target the offers to specific customers most likely to redeem such offers.
109 Methods and apparatus for implementing loyalty programs using portable electronic data storage devices US10844731 2004-05-13 US20040249710A1 2004-12-09 David Smith; Regina Montefeltri
Customer loyalty programs using portable data storage devices, e.g., smart cards, are described. Merchant terminals capable of reading and writing information to user smart cards are used to award points to customers based on a set of loyalty program information stored in the merchant terminal, at least some information read from the smart card, and information such as the purchase amount. Different terminals within a store maybe loaded with different loyalty program information allowing the program to be specific to a store department or location. Updating of loyalty program information from a server facilitates implementation of rapid changes in plans allowing plans to be modified or an hourly basis if desired as part of a particular promotion in a department. Bonus loyalty information is stored in the user device, eliminating any need to access a centralized location which stores point information to award and/or redeem loyalty awards.
110 SYSTEMS AND METHODS FOR ATTACHING LOYALTY PROGRAM DATA TO AN ELECTRONIC PAYMENT SCHEME US13415207 2012-03-08 US20130238408A1 2013-09-12 Alan COOKE; Claire BYRNE; Elaine CLARKE; Sinead FITZGERALD
Methods and apparatus are disclosed for attaching loyalty program data to an electronic payment in a payment processing network. In an embodiment, a method transmits, from a merchant to a bank network (BankNet), an authorization request comprising a primary account number (PAN) of a customer and routes the request to a payment card issuer. The method then identifies a loyalty program associated with the PAN and receives, at the BankNet, an authorization response comprising an indicator of the loyalty program. The method forwards the authorization response to an acquirer and sends the authorization response to the merchant. In another embodiment, a system transmits an authorization request and routes the authorization request to a BankNet in response to determining that a merchant is a member of a loyalty program. The system receives an authorization response comprising an indicator of the loyalty program, forwards the response to an acquirer and the merchant.
111 MOBILE LOYALTY AND PAYMENT SYSTEM USING TEMPORARY SHORT CODES US14269020 2014-05-02 US20150317663A1 2015-11-05 Bilal A. Chinoy; Anthony Kua
A loyalty server enables customers to use a merchant's mobile loyalty and payment program by pairing a customer's loyalty account through use of temporary codes. A customer may login to the customer's loyalty and payment account using a loyalty application installed on a mobile device. The customer can request a temporary code from the loyalty server, and provide it to a POS system associated with a merchant. The POS system can send a request to the loyalty server to retrieve customer information corresponding to the temporary code. The POS system can receive the customer's information, and the customer then earns rewards for transactions conducted with the merchant. In some embodiments, the POS system conducts a transaction using rewards or coupons. In some embodiments, the loyalty server obtains and utilizes the geolocation of the mobile device and the merchant as a portion of the means for pairing.
112 СИСТЕМА И СПОСОБ ПРОДАЖИ ТОВАРОВ И УСЛУГ С КОМПЕНСАЦИЕЙ ЗАТРАТ ПОКУПАТЕЛЕЙ PCT/RU2013/001040 2013-11-21 WO2014084758A2 2014-06-05 ТРИБЕЛ, Алексей Михайлович

Изобретение относится к области информационных технологий и, в частности, к средствам, используемым в розничной торговле и предназначенным для накопления и анализа информации о продажах и покупательской активности, распространения и погашения льготных вознаграждений, скидок и бонусов, рекламной информации, а также проведения акций по продвижению товаров продавцами и производителями при реализации программ поощрения покупателей (программ лояльности покупателей) в области торговли. Система и способ продажи товаров и услуг содержит ассоциированное с ID покупателя, по меньшей мере, одно средство идентификации покупателя, выполненное в виде банковской карты с возможностью эмиссии льгот покупателю программы лояльности на карт-счет при соответствии осуществляемых им транзакций предустановленным соответствующей ТСТ в системе условиям расчета значений программ лояльности, а пользовательское устройство торгово-сервисной точки содержит средство ввода данных, с обеспечением возможности ввода параметров расчета значений программы лояльности и алгоритма расчета льготного вознаграждения, управления их значениями в режиме реального времени и передачи по каналам интерфейсной связи в реализованную программно-аппаратным образом систему обработки данных процессингового центра.

113 A METHOD AND SYSTEM FOR DISTRIBUTING AND REDEEMING TARGETED OFFERS TO CUSTOMERS PCT/US2006/061608 2006-12-05 WO2007126440A2 2007-11-08 HAWKINS, Gary; NIEMIEC, Janusz; CARPENTER, Brown, H.

Methods and systems are provided for activating and redeeming product discount offers targeted to particular customers. Information related to a merchant loyalty program such as t-logs, customer loyalty information, redemption history, customer segmentation data, and merchant product taxonomies are regularly transmitted to an incentive management system for storage. Merchants can then generate pools of offers and submit them to the incentive management system, which analyzes the characteristics of the offers and uses the information related to the merchant loyalty program to target the offers to specific customers most likely to redeem such offers.

114 METHODS AND SYSTEMS FOR MANAGING A CUSTOMER LOYALTY PROGRAM US14542948 2014-11-17 US20150142539A1 2015-05-21 James G. Mueller
Method and system is disclosed for providing rewards to a loyalty program customer. The method includes receiving operating parameters for a selected computer-implemented game, receiving lottery-based information, determining odds based upon the received operating parameters and the received information, executing the selected computer-implemented game based upon the determined odds and the received operating parameters, determining a reward for the loyalty program customer based at least in part on the executing of the selected computer-implemented game, providing an offer of the reward to the loyalty program customer, and updating an account associated with the loyalty program customer based upon the providing. The method can further include changing the offer based upon distribution of information associated with the game to contacts of a user's virtual social network.
115 SYSTEMS AND/OR METHODS FOR IMPLEMENTING A CUSTOMER SAVINGS MERIT PROGRAM PCT/US2012/050239 2012-08-10 WO2013025458A2 2013-02-21 JUNGER, Peter, J.; SECRETO, Kristin

Certain exemplary embodiments relate to techniques for facilitating a joint supplier/retailer driven customer loyalty program that specifically advocates customer loyalty by reaching out to consumers with offers that are relevant to the individual shopper and a particular experience they have had. A link between a product and/or service, and a specific customer is provided, e.g., to help facilitate the offering of an incentive (e.g., in the form of a voucher) to a customer who has had a less than satisfactory experience with a particular brand, product, service, sales experience, etc. An opportunity to repair the relationship with a customer who might otherwise be dissatisfied with a product or experience is provided through the provision of customizable customer savings merit programs.

116 SYSTEM AND METHOD FOR A MERCHANT DEBIT CARD PROGRAM INCLUDING A PLURALITY OF ISSUERS US14313929 2014-06-24 US20140310178A1 2014-10-16 Edward Winfield Fordyce, III; Mary Pat McMahon; Jennifer Schultz
A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that provides rewards to enrolled debit card accounts. The authorized issuers provide management of the debit card accounts including customer statements, payment authorizations and customer service. Application data for a new debit card account is transmitted from the merchant to the selected issuer by a card processing system. Enrollment data to the merchant loyalty program may also be transmitted from the merchant to an authorized issuer by the card processing system.
117 SYSTEM AND METHOD FOR A MERCHANT DEBIT CARD PROGRAM INCLUDING A PLURALITY OF ISSUERS US12412361 2009-03-27 US20100070354A1 2010-03-18 EDWARD WINFIELD FORDYCE, III; MARY PAT MCMAHON; JENNIFER SCHULZ
A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that provides rewards to enrolled debit card accounts. The authorized issuers provide management of the debit card accounts including customer statements, payment authorizations and customer service. Application data for a new debit card account is transmitted from the merchant to the selected issuer by a card processing system. Enrollment data to the merchant loyalty program may also be transmitted from the merchant to an authorized issuer by the card processing system.
118 System and method for a merchant debit card program including a plurality of issuers US12412361 2009-03-27 US08799067B2 2014-08-05 Edward Winfield Fordyce, III; Mary Pat McMahon; Jennifer Schulz
A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that provides rewards to enrolled debit card accounts. The authorized issuers provide management of the debit card accounts including customer statements, payment authorizations and customer service. Application data for a new debit card account is transmitted from the merchant to the selected issuer by a card processing system. Enrollment data to the merchant loyalty program may also be transmitted from the merchant to an authorized issuer by the card processing system.
119 System and method for presenting loyalty offers at a point-of-sale US11447031 2006-06-06 US20150278845A1 2015-10-01 Steve K. Sorem; Douglas A. Filak; Donald H. Schmitt
A system and method for remote data access of customer loyalty information, said data being used to locally display a loyalty offer. The method comprising the steps of: detecting the presence of a customer at a merchant's location (store or web site) via an identifier, wherein the identifier is associated with and enables the customer to accumulate merchant value from a plurality of merchants based on the customer's behavior; generating customer, reward program, and/or general information at a remote location based on the identifier; and identifying at least one relevant merchant loyalty offer based on the customer, reward program, and/or general information, wherein the at least one relevant merchant loyalty offer is consortium-based; offering the customer or a designee of the customer at the merchant's location at least one of the at least one relevant merchant loyalty offer.
120 Method, system and computer program for providing a loyalty engine enabling dynamic administration of loyalty programs US11283856 2005-11-22 US20060111978A1 2006-05-25 Terrance Tietzen; Mark Archinuk; Tamara Haskins
A method, computer system, and computer program product for encouraging customer loyalty is provided. The method includes the steps of: (1) one or more partners defining a loyalty program, the loyalty program defining loyalty rewards, cross-promotional partner rewards and prizes associated with one or more activities; (2) registering one or more members with the loyalty program, whereby their registration includes the provision of registered form of payment data for one or more registered form of payment types of each of the one or more participants; (3) collecting financial data corresponding to transactions of the one or more members associated with the one or more partners, and providing said financial data to a loyalty engine; (4) providing access to the loyalty engine to the one or more members, the loyalty engine permitting the one or more partners: (a) to define the rules defining the loyalty program, including special partner rewards including cross-promotional rewards between partners, loyalty rewards, and chances to win prizes; (b) to monitor the effectiveness of the loyalty program; and (c) to modify the loyalty program to enhance its effectiveness. The computer system includes the loyalty engine of the invention. The computer program product consists of a server application that includes the loyalty engine of the invention. Partners access a number of software utilities linked to the loyalty engine to assess the effectiveness of the loyalty programs and customize the attributes of the loyalty programs to improve effectiveness. Members access the loyalty engine real time and use loyalty reward actions for prize opportunities.