Methods and systems for integrating a loyalty program with a payment card

US11514432B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Vijay Kasul · Chilpur, IN
• Rajeev Kumar · San Diego, US
• Gokul Vyas · Nagpur, IN

Key dates

• Filing date: Aug 19, 2019
• Grant date: Nov 29, 2022
• Expiry date: Mar 11, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0238
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments provide a method of integrating a loyalty program with a payment card of a customer. In some implementations, the method includes sending, by a merchant terminal, a payment transaction request to a server system associated with a payment network. The payment transaction request includes a payment transaction amount to be paid to a merchant account from an issuer account of the customer and a consumer identifier linked to the loyalty program associated with the merchant loyalty card. The method includes receiving a notification comprising a payment transaction approval message and a machine-readable script through the payment network. The machine-readable script comprises the consumer identifier and is executable by the merchant terminal. The method further includes storing the consumer identifier associated with the merchant loyalty card with existing customer data in the payment card of the customer by executing the machine-readable script thereby integrating the loyalty program with the payment card.