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1. 发明公开

US20230353375A1 REWARD POINT TRANSFERS USING BLOCKCHAIN 审中-公开
公开(公告)号：US20230353375A1
公开(公告)日：2023-11-02
申请号：US18342222
申请日：2023-06-27
申请人： American Express Travel Related Services Company, Inc.
发明人： Vasudevan Swamidurai
IPC分类号： H04L9/32 , G06Q30/0226 , H04L9/40 , H04L9/00
CPC分类号： H04L9/3239 , G06Q30/0227 , H04L63/0442 , H04L63/123 , H04L9/50 , H04W12/12
摘要： A reward points transfer method of the present disclosure comprises receiving, by a blockchain node in a blockchain network, an encrypted rewards transfer message from a credit card transaction account issuer system; writing, by the blockchain node, the encrypted rewards transfer message to the blockchain network; initiating, in response to the encrypted rewards transfer message being written to the blockchain network, a transfer of reward points from a first reward loyalty program to a second reward loyalty program, wherein the transferred reward points are subject to being paid back to the first reward loyalty program from the second reward loyalty program; and generating, by the blockchain node, a rewards transfer response message comprising a transfer status, wherein the transfer status indicates a status of the transfer of reward points as being either transfer completed, transfer failed, or transfer pending.

2. 发明公开

US20230316322A1 MULTI-TENANT LOYALTY PLATFORM 审中-公开
公开(公告)号：US20230316322A1
公开(公告)日：2023-10-05
申请号：US17711283
申请日：2022-04-01
申请人： Hint, Inc.
发明人： Muthanna Nischal Ammatanda , Abraham Benjamin de Waal , Thomas Quinto , Laura Biersteker , Trinh Viet Ngoc Nguyen
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0227 , G06Q30/0233
摘要： In some embodiments, a multi-tenant loyalty platform is provided for selective configuration of loyalty programs in a multi-tenant environment. An example platform comprises a processor and a memory storing instructions which, when executed by the processor, configure the multi-tenant loyalty platform to cause presentation, in a user interface, of loyalty program options to a first tenant in the multi-tenant environment, the user interface allowing the first tenant and the multi-tenant loyalty platform to collaborate in a program configuration flow on selected program options made by the first tenant; receive, via the user interface, from the first tenant, first order data relating to a selected program configuration, specific to the first tenant, of a first loyalty program to be implemented using the first order data, the first order data including a first set of attributes relating to the first loyalty program; cause presentation, in the user interface, of loyalty program options to a second tenant in the multi-tenant environment, the user interface allowing the second tenant and the multi-tenant loyalty platform to collaborate in a program configuration flow on selected program options made by the second tenant; receive, via the user interface; from the second tenant, second order data, different from the first order data, relating to a selected program configuration, specific to the second tenant, of a second loyalty program to be implemented using the second order data, the second order data including a second set of attributes relating to the second loyalty program: store the first and second order data in a loyalty program data structure that includes loyalty program rules specific to each of the first and second tenants and the respective first and second loyalty programs; configure the first and second loyalty programs using data stored in the loyalty program data structure; and implement the configured first and second loyalty programs at the multi-tenant loyalty platform.

3. 发明授权

US11776002B2 Systems and methods for managing merchandising card reminders 有权
公开(公告)号：US11776002B2
公开(公告)日：2023-10-03
申请号：US17738214
申请日：2022-05-06
申请人： Capital One Services, LLC
发明人： Dan Givol , Saumya Singh , Anand Kumar , Michelle S. Olenoski
IPC分类号： G06Q30/0226 , G06Q30/0204 , G06Q30/01 , H04W4/021 , G06Q30/0251 , H04L67/55 , G06Q20/06 , G06Q30/0601 , G06Q20/12
CPC分类号： G06Q30/0226 , G06Q20/0658 , G06Q30/01 , G06Q30/0205 , G06Q30/0227 , G06Q30/0233 , G06Q30/0259 , G06Q30/0261 , G06Q30/0268 , G06Q30/0609 , H04L67/55 , H04W4/021 , G06Q20/12
摘要： The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the one or more processors may be configured to calculate an overall merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the overall merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

4. 发明申请

US20180160280A1 PROVISION OF ADDITIONAL CONTENT TO MOBILE COMMUNICATION DEVICES 审中-公开
公开(公告)号：US20180160280A1
公开(公告)日：2018-06-07
申请号：US15649213
申请日：2017-07-13
申请人： Robert Cohen
发明人： Robert Cohen
IPC分类号： H04W4/18 , H04M3/487 , G06Q30/02 , H04W4/14 , H04W4/12 , H04M3/42 , H04M1/03 , H04W88/02
CPC分类号： H04W4/18 , G06Q30/02 , G06Q30/0227 , H04M1/03 , H04M3/42178 , H04M3/42382 , H04M3/4878 , H04M2207/18 , H04W4/12 , H04W4/14 , H04W88/02
摘要： A system and method for the insertion of additional content to messages sent between mobile communications devices. The system provides for a point system which allows users of the system to accumulate points for additional content sent with text messages. The points may be used for various functions such as purchasing premium services or may be applied towards the user's service charges.

5. 发明申请

US20180101858A1 SYSTEM AND METHOD FOR PROVIDING REWARD POINTS 审中-公开
公开(公告)号：US20180101858A1
公开(公告)日：2018-04-12
申请号：US15288231
申请日：2016-10-07
申请人： MasterCard International Incorporated
发明人： Shweta Jain CHAUDHURY , Randall K. SHUKEN
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0227 , G06Q30/0238
摘要： A method for providing reward points to a cross border consumer is described. The method includes determining a primary transaction area of a consumer, identifying the consumer as a cross border consumer based on the transactions conducted outside the primary transaction area (“foreign transaction”), and identifying a foreign merchant associated with the foreign transactions.

6. 发明申请

US20170323323A1 METHOD AND SYSTEM FOR REWARD POINTS REDEMPTION FOR COMPUTER-BASED ACTIVITY 审中-公开
公开(公告)号：US20170323323A1
公开(公告)日：2017-11-09
申请号：US15615911
申请日：2017-06-07
申请人： Signature Systems LLC
发明人： Richard Postrel
IPC分类号： G06Q30/02 , G06Q20/06 , G06Q30/06 , G06Q40/04 , G06Q20/34 , G06Q20/22 , G06Q20/12 , G07F17/32
CPC分类号： G06Q30/0226 , G06Q20/06 , G06Q20/12 , G06Q20/22 , G06Q20/343 , G06Q30/02 , G06Q30/0207 , G06Q30/0208 , G06Q30/0209 , G06Q30/0212 , G06Q30/0215 , G06Q30/0222 , G06Q30/0223 , G06Q30/0225 , G06Q30/0227 , G06Q30/0228 , G06Q30/0229 , G06Q30/0233 , G06Q30/0236 , G06Q30/0239 , G06Q30/06 , G06Q40/04 , G07F17/3255
摘要： A system and method for a user to have a credit card, debit card, or stored value card that is linked to their reward points account in such a way as to permit them to pay for purchases with a merchant by using the card, wherein the merchant uses the existing credit card payment infrastructure as if payment were being made/authorized by a bank linked to the credit card or debit card account, but in fact the card is linked to the user's reward points account. In this manner, the user and merchant can use the reward points account to pay for purchases in a seamless manner whereby reward points are used for consideration rather than or as a supplement to cash and traditional credit.

7. 发明授权

US09704174B1 Conversion of loyalty program points to commerce partner points per terms of a mutual agreement 有权
公开(公告)号：US09704174B1
公开(公告)日：2017-07-11
申请号：US15013129
申请日：2016-02-02
申请人： Sean I. McGhie , Brian K. Buchheit
发明人： Sean I. McGhie , Brian K. Buchheit
IPC分类号： G06K5/00 , G06Q30/02 , G06Q50/00
CPC分类号： G06Q30/0227 , G06Q20/02 , G06Q20/06 , G06Q20/105 , G06Q20/28 , G06Q20/381 , G06Q20/387 , G06Q20/405 , G06Q30/0226 , G06Q50/01 , G07F17/3244
摘要： A computer converts a first quantity of loyalty program points of a loyalty program possessed by a member held in a first account to a second quantity of different loyalty program points possessed by the member held in a second account in accordance with a fixed ratio. The loyalty program points and the different loyalty program points are non-fungible, non-negotiable units of exchange. A mutual agreement exists between program operators to permit the conversion. Responsive to the converting: the first quantity of loyalty program points is subtracted from the first account; the second quantity of different loyalty program points is added to the second account; and the entity compensates the commerce partner in accordance with mutual agreement. A transformation results in the different loyalty program points that are subject to terms, conditions, or restrictions of the different loyalty program and not of the loyalty program.

8. 发明申请

US20170004523A1 PORTABLE MULTIFUNCTION DEVICE WITH MULTIPLE APPLICATIONS 审中-公开
标题翻译：具有多种应用的便携式多功能设备
公开(公告)号：US20170004523A1
公开(公告)日：2017-01-05
申请号：US15202902
申请日：2016-07-06
申请人： SIGNATURE SYSTEMS LLC
发明人： Richard Postrel
IPC分类号： G06Q30/02 , G06Q20/20
CPC分类号： G06Q30/0227 , G06Q20/105 , G06Q20/204 , G06Q20/227 , G06Q20/24 , G06Q20/26 , G06Q20/32 , G06Q20/34 , G06Q20/341 , G06Q20/3572 , G06Q20/3574 , G06Q20/387 , G06Q30/00 , G06Q30/02 , G06Q30/0207 , G06Q30/0223 , G06Q30/0224 , G06Q30/0226 , G06Q30/0229 , G06Q30/0231 , G06Q30/0233 , G06Q30/0238 , G06Q30/0239 , G06Q40/00 , H04L67/306
摘要： A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card.
摘要翻译：一种用于操作奖励积分和兑换程序的系统和方法，其中用户从多个独立奖励积分发行实体获得奖励积分，每个跟踪用户存储在多功能卡上的用户奖励积分奖励积分（如常旅客帐号或信用卡忠诚帐户）。多功能卡适用于从奖励账户中收集用户所赚取积分的一部分或全部积分，并将汇总积分信用于多功能卡上的单个奖励交换账户。然后，用户可以从多功能卡中用累积的积分点选择要购买的物品。该项目被提供给用户以换取来自多功能卡的一个或多个奖赏积分。

9. 发明申请

US20160335653A1 INCENTIVES ASSOCIATED WITH LINKED FINANCIAL ACCOUNTS 审中-公开
标题翻译：与联系财务帐目有关的激励措施
公开(公告)号：US20160335653A1
公开(公告)日：2016-11-17
申请号：US15219091
申请日：2016-07-25
申请人： VISA U.S.A. INC.
发明人： Shaun Bodington
IPC分类号： G06Q30/02 , G06Q20/10
CPC分类号： G06Q30/0215 , G06Q20/102 , G06Q30/02 , G06Q30/0227 , G06Q40/02
摘要： A set of accounts usable for cashless transactions are electronically linked together. The accounts in the set may be associated with different accountholders, issuers, financial institutions, transaction handlers, or combinations thereof. A stakeholder sets up rules that govern, in part, processing of cashless transactions upon the accounts in the set. The rules alter routing of the cashless transaction from one account to another in the set. Loyalty features are determined accordingly. In one implementation, the rule alters the routing of the cashless transaction to optimize a loyalty feature. Amounts spent in transactions upon the accounts in the account set may be tracked, analyzed or reported on to create targeted offers. Fulfillment of the targeted offers may be conditioned on validating that the actual spend upon the accounts in the set match a predetermined threshold.
摘要翻译：一套可用于无现金交易的账户以电子方式联系在一起。该集合中的账户可能与不同的账户持有人，发行人，金融机构，交易处理程序或其组合相关联。一个利益相关者制定了在该集合中的帐户上部分处理无现金交易的规则。规则将无条件交易的路由从一个帐户转移到另一个帐户中。忠诚度特征被确定。在一个实现中，规则改变了无现金交易的路由以优化忠诚度特征。可以跟踪，分析或报告帐户中账户上交易的金额，以创建有针对性的优惠。有针对性的优惠的实现可以在验证集合中的帐户的实际支出与预定阈值相匹配的条件。

10. 发明授权

US09208505B1 Systems and methods for providing compensation, rebate, cashback, and reward for using mobile and wearable payment services 有权
标题翻译：使用移动和可穿戴支付服务提供补偿，回扣，现金返还和奖励的系统和方法
公开(公告)号：US09208505B1
公开(公告)日：2015-12-08
申请号：US14817341
申请日：2015-08-04
申请人： Tiger T G Zhou , Dylan T X Zhou , Andrew H B Zhou
发明人： Tiger T G Zhou , Dylan T X Zhou , Andrew H B Zhou
IPC分类号： G06Q30/02 , G06Q20/38 , G06Q20/40 , G06Q20/34
CPC分类号： G06Q30/0222 , G06Q20/322 , G06Q20/3274 , G06Q20/34 , G06Q20/387 , G06Q20/405 , G06Q30/0207 , G06Q30/0208 , G06Q30/0226 , G06Q30/0227 , G06Q30/0236 , G06Q30/0239
摘要： Provided are methods and systems for providing compensation for using a mobile payment service. The method may commence with receiving payment information associated with a user. The method may include generating a unique code encoding the payment information and providing the generated unique code to the user. The method may continue with receiving a deposit amount associated with a purchase related to the user. The purchase may be made via the mobile payment service. The method may further include receiving a notification about a further purchase of the user via the mobile payment service. The notification may include at least the unique code and a product barcode. The product barcode may be associated with the further purchase. The method may further include providing a compensation from the deposit amount to the user. The compensation may be associated with a payment amount associated with the further purchase.
摘要翻译：提供了用于为使用移动支付服务提供补偿的方法和系统。该方法可以开始于接收与用户相关联的支付信息。该方法可以包括生成编码支付信息的唯一代码，并向用户提供生成的唯一代码。该方法可以继续接收与与用户相关的购买相关联的存款金额。可以通过移动支付服务进行购买。该方法可以进一步包括经由移动支付服务接收关于进一步购买用户的通知。该通知可以至少包括唯一代码和产品条形码。产品条形码可能与进一步的购买相关联。该方法还可以包括从用户的存款金额提供补偿。补偿可能与进一步购买相关联的支付金额相关联。

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