WO2001079966A3 - A system and method for using loyalty points - Google Patents

A system and method for using loyalty points Download PDF

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Publication number
WO2001079966A3
WO2001079966A3 PCT/US2001/012219 US0112219W WO0179966A3 WO 2001079966 A3 WO2001079966 A3 WO 2001079966A3 US 0112219 W US0112219 W US 0112219W WO 0179966 A3 WO0179966 A3 WO 0179966A3
Authority
WO
WIPO (PCT)
Prior art keywords
credit
loyalty points
transaction
currency
accounts
Prior art date
Application number
PCT/US2001/012219
Other languages
French (fr)
Other versions
WO2001079966A2 (en
Inventor
Emily Chien
Patricia G Sanchez
Daniela M Saunders
Jill Kudysch Wiseman
C R Balagopal
Al Kinderkrecht
Jon W Parson
Ray Preston
Original Assignee
American Express Travel Relate
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by American Express Travel Relate filed Critical American Express Travel Relate
Priority to AU2001253502A priority Critical patent/AU2001253502A1/en
Priority to CA002406001A priority patent/CA2406001A1/en
Publication of WO2001079966A2 publication Critical patent/WO2001079966A2/en
Publication of WO2001079966A3 publication Critical patent/WO2001079966A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0215—Including financial accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0233—Method of redeeming a frequent usage reward
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0267—Wireless devices

Abstract

The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation.
PCT/US2001/012219 2000-04-14 2001-04-13 A system and method for using loyalty points WO2001079966A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2001253502A AU2001253502A1 (en) 2000-04-14 2001-04-13 A system and method for using loyalty points
CA002406001A CA2406001A1 (en) 2000-04-14 2001-04-13 A system and method for using loyalty points

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US19729600P 2000-04-14 2000-04-14
US60/197,296 2000-04-14
US20049200P 2000-04-28 2000-04-28
US60/200,492 2000-04-28
US20111400P 2000-05-02 2000-05-02
US60/201,114 2000-05-02

Publications (2)

Publication Number Publication Date
WO2001079966A2 WO2001079966A2 (en) 2001-10-25
WO2001079966A3 true WO2001079966A3 (en) 2002-03-21

Family

ID=27393723

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/012219 WO2001079966A2 (en) 2000-04-14 2001-04-13 A system and method for using loyalty points

Country Status (4)

Country Link
US (3) US8046256B2 (en)
AU (1) AU2001253502A1 (en)
CA (1) CA2406001A1 (en)
WO (1) WO2001079966A2 (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8833650B1 (en) 2006-05-25 2014-09-16 Sean I. Mcghie Online shopping sites for redeeming loyalty points
US8944320B1 (en) 2006-05-25 2015-02-03 Sean I. Mcghie Conversion/transfer of non-negotiable credits to in-game funds for in-game purchases

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US8833650B1 (en) 2006-05-25 2014-09-16 Sean I. Mcghie Online shopping sites for redeeming loyalty points
US8944320B1 (en) 2006-05-25 2015-02-03 Sean I. Mcghie Conversion/transfer of non-negotiable credits to in-game funds for in-game purchases
US8950669B1 (en) 2006-05-25 2015-02-10 Sean I. Mcghie Conversion of non-negotiable credits to entity independent funds
US8973821B1 (en) 2006-05-25 2015-03-10 Sean I. Mcghie Conversion/transfer of non-negotiable credits to entity independent funds

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US20120310725A1 (en) 2012-12-06
US8265993B2 (en) 2012-09-11
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US8401898B2 (en) 2013-03-19
CA2406001A1 (en) 2001-10-25
US20010054003A1 (en) 2001-12-20
US8046256B2 (en) 2011-10-25
US20120035998A1 (en) 2012-02-09

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