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    • 2. 发明授权
    • Systems and methods for operating loyalty programs
    • 运行忠诚度计划的系统和方法
    • US07620567B2
    • 2009-11-17
    • US10079927
    • 2002-02-19
    • Colleen GeorgeJohn Cawthorne
    • Colleen GeorgeJohn Cawthorne
    • G06Q30/00
    • G06Q20/382G06Q30/02G06Q30/0226
    • A loyalty system that may be integrated with a financial infrastructure is provided. Such a financial infrastructure may accommodate transactions involving participants in the loyalty program as well as transactions that do not involve participants in the loyalty program. When a transaction is initiated by a customer at a merchant, regardless of who are the parties to the transaction, it is intercepted by a loyalty switch, which determines whether the customer and merchant are participants in the loyalty program. The switch transmits the transaction instruction to the financial infrastructure so that authorization may be received. If it is determined that the customer and merchant are participants in the loyalty program, the loyalty switch also executes a loyalty process that conforms with the criteria of the loyalty program.
    • 提供可能与金融基础设施相结合的忠诚度制度。 这样的金融基础设施可以适应涉及忠诚计划参与者的交易以及不涉及忠诚度计划的参与者的交易。 当交易由商家的客户启动时,无论交易的哪一方是谁,都会被忠诚度交换机拦截,忠诚度交换机决定客户和商家是否是忠诚度计划的参与者。 交换机将交易指令发送到金融基础设施,以便可以接收授权。 如果确定客户和商家是忠诚度计划的参与者,则忠诚度交换机还执行符合忠诚度计划的标准的忠诚度过程。