System and method of operating a customer loyalty program

Details System and method of operating a customer loyalty program System and method of operating a customer loyalty program

G - Physics

06

Q

G06Q 40/00 (2006.01) G06Q 50/00 (2006.01)

Patent

CA 2589581

A system and method for operating a customer loyalty program comprising a computer system (10) accessible on-line by various institutions participating in the customer loyalty program. The computer system (10) includes a data- processing facility (12) for processing inter alia, information relating to participating customers and their loyalty accounts, and information relating to participating institutions. The computer system (10) further comprises a storage facility (14) for storing a database of participating customers' information, as well as other relevant information. The system (10) also includes a facility (18) for managing the transfer of relevant information from participating customers and institutions, and for managing the maintenance of the database information stored in the storage facility (14), including the application of discounted rates of interest to selected financial instruments. The system and method of the invention typically envisages two types of participating institutions, a financial institution shown as lender (30) and a retail institution shown as merchant (40).

L'invention concerne un système et un procédé d'exploitation d'un programme de fidélisation de la clientèle. Ce système comprend un système informatique (10) accessible en ligne par diverses institutions participant au programme de fidélisation de la clientèle. Le système informatique (10) comprend un module de traitement de données (12) qui traite, entre autres, les informations relatives aux clients participants et à leurs compte de fidélisation, ainsi que les informations relatives aux institutions participantes. Le système informatique (10) comprend également une mémoire (14) dans laquelle est stockée la base de données contenant les informations des clients participants, ainsi que d'autres informations pertinentes. Par ailleurs, le système informatique (10) comprend un module (18) qui permet de gérer le transfert des informations pertinentes des clients et des institutions participants, et de gérer la maintenance des informations contenues dans la base de données stockée dans la mémoire (14), y compris l'application de taux d'intérêt actualisés à des instruments financiers sélectionnés. Les système et procédé de l'invention s'appliquent généralement à deux types d'institutions financières: une institution financière désignée comme prêteuse (30) et une institution de détail désignée comme commerçante (40).

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