Dismiss
InnovationQ will be updated on Sunday, Oct. 22, from 10am ET - noon. You may experience brief service interruptions during that time.
Browse Prior Art Database

Method and System for Providing an Integrated Loyalty Program

IP.com Disclosure Number: IPCOM000243930D
Publication Date: 2015-Oct-28
Document File: 2 page(s) / 82K

Publishing Venue

The IP.com Prior Art Database

Abstract

A method and system is disclosed for providing an integrated loyalty program. The system integrates one or more loyalty programs across one or more merchants with one or more credit cards of a user.

This text was extracted from a PDF file.
This is the abbreviated version, containing approximately 72% of the total text.

Page 01 of 2

Method and System for Providing an Integrated Loyalty Program

Disclosed is a method and system for providing an integrated loyalty program. The system integrates one or more loyalty programs across one or more merchants with one or more credit cards of a user.

In accordance with the method and system disclosed herein, when a user registers for a loyalty program, the user logins to an acquiring bank [the user's credit card's bank] and signup with the loyalty programs available. Accordingly, the loyalty program cards gets linked to the one or more credit cards of the user.

The following table gets updated as and when a user registers for a new loyalty program.

Moving on, as a user uses a credit card which is integrated with multiple loyalty cards, an appropriate loyalty program ID is returned along with Acceptance/decline during pre-authorization stage.

So accordingly, when a user is ready to bill, total cost is calculated and a credit card is swiped though a point of sale machine. Transaction ID, bill total, credit card number and merchant id are sent to the acquiring bank which is forwarded to the issuer to pre-authorize. The request checks if the user has enough funds in the bank and puts a hold on it and returns Accepted/Declined along with the loyalty program id. The sequence is illustrated in Figure 1.

Figure 1

Once the loyalty program id comes back from the bank, the merchant applies discounts

1


Page 02 of 2

that are applicable to that loyalty program and c...