Systems and methods for integrating loyalty and stored-value programs
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United States of America Patent
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Sep 9, 2008
Grant Date -
Sep 23, 2004
app pub date -
Dec 17, 2003
filing date -
Feb 19, 2002
priority date (Note) -
In Force
status (Latency Note)
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Abstract
Systems and methods are provided for operating an integrated stored-value and loyalty program within a financial infrastructure. An identifier and a packet of transaction information defining a transaction between a merchant and a customer are received at a loyalty host. Qualifying aspects of the transaction are identified from the packet of transaction information. A customer reward is determined from the identified qualifying aspects and a history of information defined by the identifier. Information defining the reward is transmitted to a stored-value host that records a value parameter that may be applied as value by the customer to another transaction.
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