WO2005106749A3 - Cardholder loyalty program with rebate - Google Patents

Cardholder loyalty program with rebate Download PDF

Info

Publication number
WO2005106749A3
WO2005106749A3 PCT/US2005/013988 US2005013988W WO2005106749A3 WO 2005106749 A3 WO2005106749 A3 WO 2005106749A3 US 2005013988 W US2005013988 W US 2005013988W WO 2005106749 A3 WO2005106749 A3 WO 2005106749A3
Authority
WO
WIPO (PCT)
Prior art keywords
loyalty program
rebate
cardholders
program
account holders
Prior art date
Application number
PCT/US2005/013988
Other languages
French (fr)
Other versions
WO2005106749A2 (en
Inventor
Gregg E Friday
Richard C Leece
Lise M Snyder
Anne E Turnbull
Gayle A Pearce
Rhonda B Madden
Christina M Panayotopoulos
Ann D Castle
Original Assignee
Maritz Inc
Bank Of Nova Scotia
Infistar Corp
Gregg E Friday
Richard C Leece
Lise M Snyder
Anne E Turnbull
Gayle A Pearce
Rhonda B Madden
Christina M Panayotopoulos
Ann D Castle
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 Maritz Inc, Bank Of Nova Scotia, Infistar Corp, Gregg E Friday, Richard C Leece, Lise M Snyder, Anne E Turnbull, Gayle A Pearce, Rhonda B Madden, Christina M Panayotopoulos, Ann D Castle filed Critical Maritz Inc
Publication of WO2005106749A2 publication Critical patent/WO2005106749A2/en
Publication of WO2005106749A3 publication Critical patent/WO2005106749A3/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
    • 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
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0234—Rebates after completed purchase
    • 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
    • G06Q30/0273—Determination of fees for advertising

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A system and method for implementing a program such as a loyalty program. An account (e.g., card) system includes a plurality of participating account holders (e.g., cardholders), a plurality of non-participating account holders (e.g., cardholders), a plurality of non-preferred merchants and a plurality of preferred merchants. A processor executes the program including evaluating transactions to identify qualifying transactions involving both a participating account holders (e.g., cardholders) and a preferred merchant. Rebates are provided for identified, qualifying transactions.
PCT/US2005/013988 2004-04-23 2005-04-25 Cardholder loyalty program with rebate WO2005106749A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US56501704P 2004-04-23 2004-04-23
US60/565,017 2004-04-23

Publications (2)

Publication Number Publication Date
WO2005106749A2 WO2005106749A2 (en) 2005-11-10
WO2005106749A3 true WO2005106749A3 (en) 2006-02-09

Family

ID=35242320

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/013988 WO2005106749A2 (en) 2004-04-23 2005-04-25 Cardholder loyalty program with rebate

Country Status (3)

Country Link
US (1) US20050240477A1 (en)
CA (1) CA2505219A1 (en)
WO (1) WO2005106749A2 (en)

Families Citing this family (112)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
AU2001282935A1 (en) 2000-08-01 2002-02-13 First Usa Bank, N.A. System and method for transponder-enabled account transactions
US7831467B1 (en) * 2000-10-17 2010-11-09 Jpmorgan Chase Bank, N.A. Method and system for retaining customer loyalty
US7295999B1 (en) 2000-12-20 2007-11-13 Jpmorgan Chase Bank, N.A. System and method for determining eligibility and enrolling members in various programs
US7895098B2 (en) 2001-03-01 2011-02-22 Jpmorgan Chase Bank, N.A. System and method for measuring and utilizing pooling analytics
US7689506B2 (en) 2001-06-07 2010-03-30 Jpmorgan Chase Bank, N.A. System and method for rapid updating of credit information
US7266839B2 (en) 2001-07-12 2007-09-04 J P Morgan Chase Bank System and method for providing discriminated content to network users
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US7987501B2 (en) 2001-12-04 2011-07-26 Jpmorgan Chase Bank, N.A. System and method for single session sign-on
US20030125997A1 (en) * 2001-12-20 2003-07-03 Allison Stoltz System and method for risk assessment
US8590013B2 (en) 2002-02-25 2013-11-19 C. S. Lee Crawford Method of managing and communicating data pertaining to software applications for processor-based devices comprising wireless communication circuitry
US20040122736A1 (en) 2002-10-11 2004-06-24 Bank One, Delaware, N.A. System and method for granting promotional rewards to credit account holders
US8301493B2 (en) 2002-11-05 2012-10-30 Jpmorgan Chase Bank, N.A. System and method for providing incentives to consumers to share information
US8306907B2 (en) 2003-05-30 2012-11-06 Jpmorgan Chase Bank N.A. System and method for offering risk-based interest rates in a credit instrument
US8175908B1 (en) 2003-09-04 2012-05-08 Jpmorgan Chase Bank, N.A. Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data
US7805367B2 (en) * 2004-08-17 2010-09-28 Paymentech, L.P. System and method for pricing of merchant accounts
US7401731B1 (en) 2005-05-27 2008-07-22 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
US8660891B2 (en) 2005-11-01 2014-02-25 Millennial Media Interactive mobile advertisement banners
US7660581B2 (en) 2005-09-14 2010-02-09 Jumptap, Inc. Managing sponsored content based on usage history
US8027879B2 (en) 2005-11-05 2011-09-27 Jumptap, Inc. Exclusivity bidding for mobile sponsored content
US10592930B2 (en) 2005-09-14 2020-03-17 Millenial Media, LLC Syndication of a behavioral profile using a monetization platform
US7702318B2 (en) 2005-09-14 2010-04-20 Jumptap, Inc. Presentation of sponsored content based on mobile transaction event
US8209344B2 (en) 2005-09-14 2012-06-26 Jumptap, Inc. Embedding sponsored content in mobile applications
US8819659B2 (en) 2005-09-14 2014-08-26 Millennial Media, Inc. Mobile search service instant activation
US7577665B2 (en) 2005-09-14 2009-08-18 Jumptap, Inc. User characteristic influenced search results
US7676394B2 (en) 2005-09-14 2010-03-09 Jumptap, Inc. Dynamic bidding and expected value
US8688671B2 (en) 2005-09-14 2014-04-01 Millennial Media Managing sponsored content based on geographic region
US7752209B2 (en) 2005-09-14 2010-07-06 Jumptap, Inc. Presenting sponsored content on a mobile communication facility
US9703892B2 (en) 2005-09-14 2017-07-11 Millennial Media Llc Predictive text completion for a mobile communication facility
US8364521B2 (en) 2005-09-14 2013-01-29 Jumptap, Inc. Rendering targeted advertisement on mobile communication facilities
US8364540B2 (en) 2005-09-14 2013-01-29 Jumptap, Inc. Contextual targeting of content using a monetization platform
US8805339B2 (en) 2005-09-14 2014-08-12 Millennial Media, Inc. Categorization of a mobile user profile based on browse and viewing behavior
US20110313853A1 (en) 2005-09-14 2011-12-22 Jorey Ramer System for targeting advertising content to a plurality of mobile communication facilities
US9201979B2 (en) 2005-09-14 2015-12-01 Millennial Media, Inc. Syndication of a behavioral profile associated with an availability condition using a monetization platform
US10038756B2 (en) 2005-09-14 2018-07-31 Millenial Media LLC Managing sponsored content based on device characteristics
US7912458B2 (en) 2005-09-14 2011-03-22 Jumptap, Inc. Interaction analysis and prioritization of mobile content
US7860871B2 (en) 2005-09-14 2010-12-28 Jumptap, Inc. User history influenced search results
US8615719B2 (en) 2005-09-14 2013-12-24 Jumptap, Inc. Managing sponsored content for delivery to mobile communication facilities
US8311888B2 (en) 2005-09-14 2012-11-13 Jumptap, Inc. Revenue models associated with syndication of a behavioral profile using a monetization platform
US8195133B2 (en) 2005-09-14 2012-06-05 Jumptap, Inc. Mobile dynamic advertisement creation and placement
US7769764B2 (en) 2005-09-14 2010-08-03 Jumptap, Inc. Mobile advertisement syndication
US9058406B2 (en) 2005-09-14 2015-06-16 Millennial Media, Inc. Management of multiple advertising inventories using a monetization platform
US8666376B2 (en) 2005-09-14 2014-03-04 Millennial Media Location based mobile shopping affinity program
US8812526B2 (en) 2005-09-14 2014-08-19 Millennial Media, Inc. Mobile content cross-inventory yield optimization
US8302030B2 (en) 2005-09-14 2012-10-30 Jumptap, Inc. Management of multiple advertising inventories using a monetization platform
US9471925B2 (en) 2005-09-14 2016-10-18 Millennial Media Llc Increasing mobile interactivity
US8503995B2 (en) 2005-09-14 2013-08-06 Jumptap, Inc. Mobile dynamic advertisement creation and placement
US8463249B2 (en) 2005-09-14 2013-06-11 Jumptap, Inc. System for targeting advertising content to a plurality of mobile communication facilities
US8290810B2 (en) 2005-09-14 2012-10-16 Jumptap, Inc. Realtime surveying within mobile sponsored content
US8156128B2 (en) 2005-09-14 2012-04-10 Jumptap, Inc. Contextual mobile content placement on a mobile communication facility
US8103545B2 (en) 2005-09-14 2012-01-24 Jumptap, Inc. Managing payment for sponsored content presented to mobile communication facilities
US8832100B2 (en) 2005-09-14 2014-09-09 Millennial Media, Inc. User transaction history influenced search results
US8238888B2 (en) 2006-09-13 2012-08-07 Jumptap, Inc. Methods and systems for mobile coupon placement
US8989718B2 (en) 2005-09-14 2015-03-24 Millennial Media, Inc. Idle screen advertising
US8229914B2 (en) 2005-09-14 2012-07-24 Jumptap, Inc. Mobile content spidering and compatibility determination
US9076175B2 (en) 2005-09-14 2015-07-07 Millennial Media, Inc. Mobile comparison shopping
US10911894B2 (en) 2005-09-14 2021-02-02 Verizon Media Inc. Use of dynamic content generation parameters based on previous performance of those parameters
US8131271B2 (en) 2005-11-05 2012-03-06 Jumptap, Inc. Categorization of a mobile user profile based on browse behavior
US8175585B2 (en) 2005-11-05 2012-05-08 Jumptap, Inc. System for targeting advertising content to a plurality of mobile communication facilities
US8571999B2 (en) 2005-11-14 2013-10-29 C. S. Lee Crawford Method of conducting operations for a social network application including activity list generation
US20070136135A1 (en) * 2005-12-13 2007-06-14 Discover Financial Services Llc Permanent category-based promotion for credit card usage
US9489680B2 (en) 2011-02-04 2016-11-08 American Express Travel Related Services Company, Inc. Systems and methods for providing location based coupon-less offers to registered card members
US9558505B2 (en) 2006-07-18 2017-01-31 American Express Travel Related Services Company, Inc. System and method for prepaid rewards
US9430773B2 (en) 2006-07-18 2016-08-30 American Express Travel Related Services Company, Inc. Loyalty incentive program using transaction cards
US9767467B2 (en) 2006-07-18 2017-09-19 American Express Travel Related Services Company, Inc. System and method for providing coupon-less discounts based on a user broadcasted message
US20110264490A1 (en) 2006-07-18 2011-10-27 American Express Travel Related Services Company, Inc. System and method for administering marketing programs
US9613361B2 (en) * 2006-07-18 2017-04-04 American Express Travel Related Services Company, Inc. System and method for E-mail based rewards
US9542690B2 (en) 2006-07-18 2017-01-10 American Express Travel Related Services Company, Inc. System and method for providing international coupon-less discounts
US9934537B2 (en) 2006-07-18 2018-04-03 American Express Travel Related Services Company, Inc. System and method for providing offers through a social media channel
US8695875B1 (en) 2006-08-22 2014-04-15 United Services Automobile Association (Usaa) Methods of and systems for automatic credit card rewards
US8694368B2 (en) * 2006-12-08 2014-04-08 American Express Travel Related Services Company, Inc. Method, system, and computer program product for spend mapping tool
US20080179393A1 (en) * 2007-01-30 2008-07-31 Nizam Antoo Method and system using portable consumer device including payment capability
US20080208762A1 (en) * 2007-02-22 2008-08-28 First Data Corporation Payments using a mobile commerce device
US10102518B2 (en) * 2007-02-22 2018-10-16 First Data Corporation Enrollment and registration of a device in a mobile commerce system
US20080208688A1 (en) * 2007-02-22 2008-08-28 First Data Corporation Methods and systems for handling of mobile discount certificates using mobile devices
US20080207234A1 (en) * 2007-02-22 2008-08-28 First Data Corporation Marketing messages in mobile commerce
US8566239B2 (en) * 2007-02-22 2013-10-22 First Data Corporation Mobile commerce systems and methods
US8548908B2 (en) * 2007-04-11 2013-10-01 First Data Corporation Mobile commerce infrastructure systems and methods
US20080255940A1 (en) * 2007-04-12 2008-10-16 Perreault Bruno D Method and apparatus for reward calculation and disbursement
US10395264B2 (en) 2007-04-30 2019-08-27 Visa U.S.A. Inc. Payment account processing which conveys financial transaction data and non financial transaction data
US20080288340A1 (en) * 2007-05-14 2008-11-20 Mark Pearson System and method for providing a pre-paid rebate card
US7953653B2 (en) * 2007-05-16 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for combined reconciliation of co-branded card promotion and settlement of private label card accounts
US8622308B1 (en) 2007-12-31 2014-01-07 Jpmorgan Chase Bank, N.A. System and method for processing transactions using a multi-account transactions device
US20090192876A1 (en) * 2008-01-30 2009-07-30 Sruba De Methods and systems for providing a payment card program directed to empty nesters
US8838499B2 (en) * 2008-01-30 2014-09-16 Mastercard International Incorporated Methods and systems for life stage modeling
US8554652B1 (en) 2008-02-21 2013-10-08 Jpmorgan Chase Bank, N.A. System and method for providing borrowing schemes
US20100145786A1 (en) * 2008-12-06 2010-06-10 Fordyce Iii Edward W Loyalty program service
US20100145778A1 (en) * 2008-12-08 2010-06-10 Fordyce Iii Edward W Consumer commercial behavior modification through multiple merchant incentive program
US20110106604A1 (en) * 2009-10-29 2011-05-05 Reuthe Eric Method and System for Providing Digital Incentives
US8799065B2 (en) * 2009-12-03 2014-08-05 Edo Interactive, Inc. Methods for providing digital incentives including a digital incentives switch for matching transactions and incentives
US20110137717A1 (en) * 2009-12-04 2011-06-09 Reuthe Eric System for Providing Digital Incentives Including a Digital Incentives Switch for Matching Transactions and Incentives
US20110137720A1 (en) * 2009-12-08 2011-06-09 Kane Larry J System and method of supporting a community based program, increase business for local merchants, and increase use of financial cards
US11928696B2 (en) 2009-12-16 2024-03-12 E2Interactive, Inc. Systems and methods for generating a virtual value item for a promotional campaign
US8554631B1 (en) 2010-07-02 2013-10-08 Jpmorgan Chase Bank, N.A. Method and system for determining point of sale authorization
US20130054333A1 (en) * 2011-08-24 2013-02-28 Bank Of America Corporation Providing customer rewards programs
US8849699B2 (en) 2011-09-26 2014-09-30 American Express Travel Related Services Company, Inc. Systems and methods for targeting ad impressions
US9672526B2 (en) 2012-03-13 2017-06-06 American Express Travel Related Services Company, Inc. Systems and methods for tailoring marketing
US20130246176A1 (en) 2012-03-13 2013-09-19 American Express Travel Related Services Company, Inc. Systems and Methods Determining a Merchant Persona
US9514483B2 (en) 2012-09-07 2016-12-06 American Express Travel Related Services Company, Inc. Marketing campaign application for multiple electronic distribution channels
US10664883B2 (en) 2012-09-16 2020-05-26 American Express Travel Related Services Company, Inc. System and method for monitoring activities in a digital channel
US9633362B2 (en) 2012-09-16 2017-04-25 American Express Travel Related Services Company, Inc. System and method for creating reservations
US10504132B2 (en) 2012-11-27 2019-12-10 American Express Travel Related Services Company, Inc. Dynamic rewards program
WO2014205552A1 (en) * 2013-06-26 2014-12-31 Edatanetworks Inc. Systems and methods for loyalty programs
US10679237B2 (en) 2014-05-15 2020-06-09 PayForward, LLC Social-financial network systems and methods
US10395237B2 (en) 2014-05-22 2019-08-27 American Express Travel Related Services Company, Inc. Systems and methods for dynamic proximity based E-commerce transactions
US10552860B2 (en) 2015-01-30 2020-02-04 Excentus Corporation Systems and methods for discounting the price of goods and services to a consumer based on purchases made by the consumer at a plurality of merchants using a plurality of financial cards
US11010732B2 (en) 2016-07-15 2021-05-18 Payforward Llc Distributed rules-based system payment systems and methods
KR102607791B1 (en) * 2016-10-07 2023-11-30 삼성전자주식회사 Method for providing service based on transaction history and an electronic device thereof
US10878403B1 (en) * 2017-10-18 2020-12-29 Mastercard International Incorporated Generating peer benchmark datasets
US20200364811A1 (en) * 2019-05-13 2020-11-19 Kazuyuki Nagashima Methods and systems for facilitating an integrated provisioning of mortgage service and brokerage service to buyers
US11282174B1 (en) 2021-06-23 2022-03-22 Phinge Corporation System and method of providing privacy by blurring images of people in unauthorized photos and videos
US11232514B1 (en) 2021-06-23 2022-01-25 Phinge Corporation System and method of providing auctions and real-time bidding for users of platforms operating on a rewards-based, universal, integrated code base

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020161641A1 (en) * 1999-09-15 2002-10-31 Chris Quinlan Method and system for redeeming product marketing rebates

Family Cites Families (48)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH0642244B2 (en) * 1982-07-09 1994-06-01 オムロン株式会社 Margin transaction processing device
US5222018A (en) * 1985-07-18 1993-06-22 Pitney Bowes Inc. System for centralized processing of accounting and payment functions
US4750119A (en) * 1986-10-10 1988-06-07 Tradevest, Inc. Purchasing system with rebate feature
US6195644B1 (en) * 1987-07-08 2001-02-27 Stuart S. Bowie Computer program and system for credit card companies for recording and processing bonus credits issued to card users
US5025372A (en) * 1987-09-17 1991-06-18 Meridian Enterprises, Inc. System and method for administration of incentive award program through use of credit
US4941090A (en) * 1989-01-27 1990-07-10 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5117355A (en) * 1989-01-27 1992-05-26 Mccarthy Patrick D Centralized consumer cash valve accumulation system for multiple merchants
US5202826A (en) * 1989-01-27 1993-04-13 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5056019A (en) * 1989-08-29 1991-10-08 Citicorp Pos Information Servies, Inc. Automated purchase reward accounting system and method
US5297026A (en) * 1992-01-03 1994-03-22 Frank Hoffman System for promoting account activity
WO1995012175A1 (en) * 1993-10-26 1995-05-04 Radisson Hotels International, Inc. System and method for awarding credits to persons who book travel-related reservations
US5537314A (en) * 1994-04-18 1996-07-16 First Marketrust Intl. Referral recognition system for an incentive award program
US5513102A (en) * 1994-06-28 1996-04-30 Auriemma Consulting Group, Inc. Data processing methods of implementing an award to an authorized user of a credit card
US5774870A (en) * 1995-12-14 1998-06-30 Netcentives, Inc. Fully integrated, on-line interactive frequency and award redemption program
US5924080A (en) * 1996-05-28 1999-07-13 Incredicard Llc Computerized discount redemption system
US6105001A (en) * 1997-08-15 2000-08-15 Larry A. Masi Non-cash transaction incentive and commission distribution system
US7430521B2 (en) * 1997-08-28 2008-09-30 Walker Digital, Llc System and method for managing customized reward offers
US6128599A (en) * 1997-10-09 2000-10-03 Walker Asset Management Limited Partnership Method and apparatus for processing customized group reward offers
JP2001520425A (en) * 1997-10-09 2001-10-30 ウオーカー ディジタル、エルエルシー Sales point system and group reward management method
US6061660A (en) * 1997-10-20 2000-05-09 York Eggleston System and method for incentive programs and award fulfillment
US6014635A (en) * 1997-12-08 2000-01-11 Shc Direct, Inc. System and method for providing a discount credit transaction network
US6208973B1 (en) * 1998-02-27 2001-03-27 Onehealthbank.Com Point of service third party financial management vehicle for the healthcare industry
US7516883B2 (en) * 1998-07-17 2009-04-14 Pluris Savings Network, Llc Financial transaction system with consumer reward and net settlement
US6222914B1 (en) * 1998-09-02 2001-04-24 Mcmullin John L. System and method for administration of an incentive award system having a delayed award payment using a credit instrument
WO2000014665A1 (en) * 1998-09-03 2000-03-16 Ownx, Inc. System for automatically calculating consumer earned equity
US6549912B1 (en) * 1998-09-23 2003-04-15 Visa International Service Association Loyalty file structure for smart card
US20030050831A1 (en) * 1998-12-22 2003-03-13 John Klayh System for distribution and redemption of loyalty points and coupons
US6345261B1 (en) * 1999-09-21 2002-02-05 Stockback Holdings, Inc. Customer loyalty investment program
US6594640B1 (en) * 1999-06-23 2003-07-15 Richard Postrel System for electronic barter, trading and redeeming points accumulated in frequent use reward programs
WO2001013307A1 (en) * 1999-08-17 2001-02-22 Sunil Vasantrao Thakur Business system
US20030078835A1 (en) * 1999-09-24 2003-04-24 Todd Kendal Pluchinske Method of establishing a promotion at a point of sale terminal
US20020049631A1 (en) * 1999-10-12 2002-04-25 Eric Williams Process, system and computer readable medium for providing purchasing incentives to a plurality of retail store environments
NZ501706A (en) * 1999-12-10 2001-08-31 Global Online Promotions Ltd Lottery tickets awarded on purchase of goods at point of sale, according to data processing system
US6615190B1 (en) * 2000-02-09 2003-09-02 Bank One, Delaware, National Association Sponsor funded stored value card
GB2360371A (en) * 2000-03-14 2001-09-19 Catalina Marketing Uk Ltd Method and system for distributing and redeeming offers and incentives
US8046256B2 (en) * 2000-04-14 2011-10-25 American Express Travel Related Services Company, Inc. System and method for using loyalty rewards as currency
US20020161630A1 (en) * 2000-07-07 2002-10-31 Nelnet Loan Services, Inc. Loyalty reward program for reducing the balance of a loan obligation
US20020169671A1 (en) * 2000-07-25 2002-11-14 Junger Peter J. Electronic product registration system with sales incentive program management function
WO2002009015A1 (en) * 2000-07-25 2002-01-31 Gallagher P Christopher J Administering incentive award program
WO2002061524A2 (en) * 2000-10-31 2002-08-08 Carlson Marketing Group, Inc. Loyalty system incorporating embedded incentives
US20020152118A1 (en) * 2000-11-06 2002-10-17 Hadjigeorgis George K. System of a computer-networked, point-of-sale rebate award program
US20020077904A1 (en) * 2000-12-14 2002-06-20 Naushad Ali Loyalty program
US20020152116A1 (en) * 2001-01-30 2002-10-17 Yan Kent J. Method and system for generating fixed and/or dynamic rebates in credit card type transactions
US20020107731A1 (en) * 2001-02-07 2002-08-08 Teng Patrick Chee-Wai Purchase-based reward system and method
US20020138343A1 (en) * 2001-03-21 2002-09-26 Harry Weatherford Method of providing merchant rebates to purchasers
AU7826201A (en) * 2001-03-30 2002-10-03 Lim Chee Beng Consumer loyalty marketing program based on multi-transaction platform that provides high rewards to members under a tiered reward scheme
US20030083933A1 (en) * 2001-10-29 2003-05-01 Mcalear James A. Systems and methods for providing rewards benefits to account holders
EP1546971A4 (en) * 2002-07-25 2006-08-30 Kroger Co Reward system

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020161641A1 (en) * 1999-09-15 2002-10-31 Chris Quinlan Method and system for redeeming product marketing rebates

Also Published As

Publication number Publication date
CA2505219A1 (en) 2005-10-23
WO2005106749A2 (en) 2005-11-10
US20050240477A1 (en) 2005-10-27

Similar Documents

Publication Publication Date Title
WO2005106749A3 (en) Cardholder loyalty program with rebate
TW200615813A (en) Credit card mileage rewards program, system and method
WO2005070032A3 (en) System and method for generating collison-free identifiers for financial transaction cards
WO2010077661A3 (en) Consumer commercial behavior modification through multiple merchant incentive program
WO2008067543A3 (en) Techniques for targeted offers
WO2009137076A3 (en) A one card system
TNSN07483A1 (en) System, apparatus and methods for automatically calculating discounts for purchases from merchants made using a reservation system
WO2005098702A3 (en) Methods and systems for integration of multiple rewards programs
WO2006012538A3 (en) Methods and apparatus for a secure promixity integrated circuit card transactions
WO2008018052A3 (en) Secure mechanism and system for processing financial transactions
WO2006115933A3 (en) Methods and systems for generating dynamic reward currency values
WO2004012036A3 (en) Smart payment instrument selection
WO2007143450A3 (en) Method and system for providing householding information to multiple merchants
WO2010093893A3 (en) Point of interaction loyalty currency redemption in a transaction
WO2008014255A3 (en) Referral award system for portable devices
TWI365419B (en) Method, system, and computer program product for securing card payment transactions
WO2006093977A3 (en) Combined rewards system and process
WO2010053899A3 (en) Online challenge-response
IL176580A0 (en) Payment systems and methods for earning incentives using at least two financial instruments
WO2011143675A3 (en) Point-of-sale system using prepaid/gift card network
WO2004027555A3 (en) Processing of transactions with expanded card acceptance
WO2012135471A3 (en) Universal loyalty program device
WO2010068466A3 (en) Promotional item identification in processing of an acquired transaction on an issued account
WO2011005617A3 (en) Mobile device including auto initiation
EP1798683A3 (en) Rebate card system

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BW BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE EG ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KM KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NA NI NO NZ OM PG PH PL PT RO RU SC SD SE SG SK SL SM SY TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): BW GH GM KE LS MW MZ NA SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IS IT LT LU MC NL PL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
NENP Non-entry into the national phase

Ref country code: DE

WWW Wipo information: withdrawn in national office

Country of ref document: DE

122 Ep: pct application non-entry in european phase