Loyalty incentive program using transaction cards

US9665879B2 · kind B2 · utility

Assignee

• American Express Travel Related Services Company, Inc. · US

Inventors

• Ruth L. Aloni · New York, US
• Benzion T. Axelrod · West Nyack, US
• Jean L. Bowman · Cave Creek, US
• Jack J. Funda · Summit, US
• Jonathan S. Polon · New York, US
• Sripriya V. Tiku · Scottsdale, US

Key dates

• Filing date: May 9, 2012
• Grant date: May 30, 2017
• Expiry date: May 9, 2032

Classification

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

Abstract

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 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.