Loyalty incentive program using transaction cards

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9430773
SERIAL NO

11779734

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.

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Patent Owner(s)

  • AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Aloni, Ruth L New York, US 9 276
Axelrod, Benzion T West Nyack, US 6 210
Bowman, Jean L Cave Creek, US 6 210
Funda, Jack J Summit, US 6 210
Polon, Jonathan S New York, US 6 210
Tiku, Sripriya V Chandler, US 20 561

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