G - Physics – 06 – Q
Patent
G - Physics
06
Q
G06Q 20/00 (2006.01) G06F 17/00 (2006.01)
Patent
CA 2694321
Loyalty programs can be operated within a payment processing system having multiple vendors, thereby providing access to detailed transaction data and with the flexibility for customization of the loyalty programs themselves, by establishing a communication for the transfer of data via a customer-facing channel. When the payment processing system processes a transaction between a merchant and an account holder, in addition to obtaining payment for the merchant from the account via an acquirer and an issuer, respectively, a transaction handler tabulates and stores, different types of loyalty currencies in a loyalty reward account associated with the account holder if the account holder is enrolled in a loyalty program and criteria for applying the loyalty program are satisfied. The account holder is provided access to the loyalty account via the customer-facing channel. Loyalty programs can be operated within a payment processing system having multiple vendors, thereby providing access to detailed transaction data and with the flexibility for customization of the loyalty programs themselves, by establishing a communication for the transfer of data via a customer-facing channel. When the payment processing system processes a transaction between a merchant and an account holder, in addition to obtaining payment for the merchant from the account via an acquirer and an issuer, respectively, a transaction handler tabulates and stores, different types of loyalty currencies in a loyalty reward account associated with the account holder if the account holder is enrolled in a loyalty program and criteria for applying the loyalty program are satisfied. The account holder is provided access to the loyalty account via the customer-facing channel.
L'invention concerne des programmes de fidélité pouvant être mis en uvre dans un système de traitement de paiement à multiples distributeurs afin de fournir un accès à des données de transaction détaillées et de présenter la flexibilité de personnalisation des programmes de fidélité eux-mêmes, en établissant une communication de transfert de données à travers un canal client. Lorsque le système de traitement de paiement traite une transaction entre un marchand et un détenteur de compte, en plus de payer le marchand sur le compte au moyen d'un acquéreur et d'un émetteur, respectivement, un manipulateur de transaction tabule et stocke différents types de monnaie de fidélité dans un compte de récompense de fidélité associé au détenteur de compte si le détenteur du compte est inscrit au programme de fidélité et si des critères d'application du programme de fidélité sont satisfaits. Le détenteur de compte accède au compte de fidélité par le canal client.
Finlayson & Singlehurst
Visa U.s.a. Inc.
LandOfFree
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