192 results about "E loyalty" patented technology

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.

Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user's smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat.

A loyalty reward point system that utilizes the pre-existing infrastructure of network such as a credit card network. A user makes a purchase at a merchant using a token such as a credit card. As part of the purchase transaction, the user is awarded reward points from the merchant based on the purchase, which are stored in an account associated with the merchant and the user by the acquiring bank. The reward account is maintained on the acquiring bank server on behalf of the merchant and the user, and the number of reward points in the user's account for that merchant is increased accordingly. The user may redeem the reward points earned from the transaction with the merchant at a later time, or may redeem the points with another merchant in the same marketing cluster, or may aggregate those reward points with those of other merchants into a reward point exchange account, and then redeem the aggregated reward points for goods or services from any approved merchant on the network, depending on the configuration of the system.

Systems and methods for tracking, differentiating and awarding loyalty credits to patrons of a gaming establishment are disclosed. Tracking can be facilitated by and loyalty credits can be stored on patron issued loyalty credit instruments such as printed tickets, magnetic-striped cards, room keys, portable wireless devices and smart cards. Loyalty credits can be awarded for and combined with other loyalty credits awarded for gaming activities involving wagers, game play, and possible monetary awards, as well as purchasing activities involving the procurement of food, lodging, entertainment, transportation, merchandise or services. Theoretical all expenditures profiles can be established for patrons based upon the gaming activities and purchasing activities of the patrons. Customized comps can be awarded on the initiative of the gaming establishment and without any specific request from a patron. Such comps can be based on tracked information on gaming activities and purchasing activities of the patrons.

A phone based loyalty rewards approach is described. The approach focuses on rewarding certain behaviors by maintaining a rewards balance usable for services such as free telephone calls. Users can be awarded some initial value of rewards balance at registration and then can earn additional rewards through their activities. Calls can be placed using voice dialing against a user supplied address book in one embodiment. Additionally, the rewards can be directly integrated with an advanced dial tone service offering and minutes spent on phone calls beyond the then available rewards balance charged to the user. The rewards are designed to encourage behaviors such as full and accurate registrations, regular usage, trying new features, etc.

A loyalty program operated in association with a television broadcast network, wherein reward content is provided along with television content (programming and / or advertising) to generate a television broadcast signal that is transmitted to a plurality of viewers. Each viewer may view or hear the reward content via their television receiver (or set top box, personal computer, etc.) along with the associated programming or advertisements, and as a result provide a reward response which may be a visit to a local merchant, a mail-in or call-in response, entered to a web site via the Internet, etc. Reward points, as well as prizes and product discounts may be provided as the reward to the viewer that provides the appropriate reward response. This program can be configured and adapted to provides incentives to viewers to visit certain merchants and sponsors, purchase certain products, view certain programs, and the like, based on the reward parameters employed.

A disclosed a gaming machine includes an input mechanism with a non-physical contact data interface. The non-physical contact data interface may be capable of reading loyalty program data from a loyalty program instrument without contact between the loyalty program instrument and the non-physical contact data interface. The input mechanism with the non-physical contact data interface may be one of a bill validator, a bar-code reader and a Radio Frequency Identification (RFID) tag reader. The loyalty program instrument may be a substrate including at least one of a 1-D bar-code printed on the substrate, a 2-D bar-code printed on the substrate, a symbol printed on the substrate, alpha-numeric character printed on the substrate, a RFID tag embedded in the substrate, a RFID tag printed on the substrate and combinations thereof. The loyalty program instrument may be used to store an index to a record in a database or a portable data file.

A system and methods to mutually satisfy a consumer with a discount and a vendor with a minimum number of sales by establishing a tipping point associated with an offer for a good or service. If the tipping point is met, the sale of the good or service is executed and the consumer is charged and receives an indication of the discounted sale, such as a certificate. If the tipping point is not met, the discount offer is abandoned and the consumer is not charged. Once the tipping point is established, the vendor receives a payment, even before the consumer uses the certificate. The system and methods also include a reward or loyalty program, an exchange or secondary market for the purchased deals, and a matching algorithm that matches customers to relevant goods or services.

Certain exemplary embodiments described herein relate to digital downloading jukebox systems of the type that typically include a central server and remote jukebox devices that communicate with the central server for royalty accounting and / or content updates. More particularly, certain exemplary embodiments relate to jukebox systems that have revenue-enhancing features such as for example, music recommendation engines and bartender loyalty programs. Such innovative techniques help to both increase per jukebox revenue as well as keep jukebox patrons engaged with the jukebox.

A method and system are set forth which include one or more terminals providing near field communication with an electronic device held by the user such as a smart card. The device includes a display panel configured to persistently display a visual condition associated with the user's account, promotional status or as selected by the user.

The present invention provides a Mobile Loyalty and Community Service (MLCS) for decreasing customer churn and increasing customer spend. In an embodiment, the MLCS provides an event driven platform based around sticky accounts. The MLCS issues tokens, currencies, loyalty points and other value assets to customers based on definable user activities (e.g., purchases, forwarding promotional messages to friends, etc.), and stores these assets into customer accounts. Each of these accounts is made sticky by associating it with the mobile carrier and the customer's phone number. The MLCS provides prize catalogs where customers can redeem points in their accounts for valuable prizes (e.g., free voice minutes, ringtones, etc.). The MLCS also provides downloadable games, e.g., pay-per-play games. To motive customers to play these games, and thus increase customer spend, the MLCS issues points to customer based on in-game events (e.g., game score, level reached within a game, etc.).

The platform supports a wide variety of merchants who are interested in a loyalty and / or value card products. The platform is an integrated set of software packages and tools that allows merchants to develop and offer loyalty award and payment products. The platform consists of a series of sub-systems that form the operating environment for the loyalty and payment products, collectively called common systems herein. These systems work together to customize and orchestrate product functionality. The platform processes real-time messages from devices, such as point-of-sale and CRIND / ICR / ICR (gas pump) devices, that are modified to work with the platform. The platform responds to the messages from the devices with a range of actions from approval of the pending purchase to addition of loyalty points into an account. In the case of the system-based service, messages are formatted according to defined standards so that they can be received by the platform. Other devices currently supported by the platform include Kiosk, IVR, API, and Web. New modules may be added to the platform that allow it to accept translations in any data format.

The invention includes facilitating the substantially real-time transfer of loyalty points between accounts. The method and system include receiving a transfer request (e.g., consumer request, triggering event, etc) for a transfer of a certain number of loyalty points, accessing and analyzing the total number of loyalty points in the transferor account to determine if a sufficient number of points exist, analyzing the type / level of consumer and type / level of points to be involved in the transfer, deducting the requested loyalty points from the transferor account, determining if any rules exist for restricting or limiting the transfer of points, using a conversion engine to convert the point value to an appropriate point value in the transferee account and increasing the point balance in the transferee account.

A media targeting system may be configured to coordinate media and manage media conflicts in its delivery to consumers. The media targeting system may in near real-time arbitrate between all offers assigned to a particular consumer or available to the consumer via one or more channels to ensure that a consumer only receives non-conflicting offers during particular time periods. The media targeting system may translate offers into a real-time, in-store loyalty environment including consumer real-time behavior assignment into traits in order to make a real-time offer assignment based on the traits. An application on a mobile device of a consumer may allow the consumer to share offers with other consumers via a bump of the consumers' mobile devices.

A system and method for implementing a merchant loyalty program is disclosed. The invention includes receiving purchase data, wherein the purchase data comprises a consumer account code, a purchase amount, and a service establishment code; associating the service establishment code with a merchant proprietor rewards account code; calculating a reward amount based on the purchase amount; and, crediting a merchant proprietor reward account with at least a portion of said reward amount.

A loyalty reward point system that utilizes the pre-existing infrastructure of network such as a credit card network. A user makes a purchase at a merchant using a token such as a credit card. As part of the purchase transaction, the user is awarded reward points from the merchant based on the purchase, which are stored in an account associated with the merchant and the user by the acquiring bank. The reward account is maintained on the acquiring bank server on behalf of the merchant and the user, and the number of reward points in the user's account for that merchant is increased accordingly. The user may redeem the reward points earned from the transaction with the merchant at a later time, or may redeem the points with another merchant in the same marketing cluster, or may aggregate those reward points with those of other merchants into a reward point exchange account, and then redeem the aggregated reward points for goods or services from any approved merchant on the network, depending on the configuration of the system.

A mobile phone based mobile customer relationship and loyalty servicing system and method thereof which involves media such as SMS, e-mail, instant messenger or a notification to a mobile application or website as well to identify and communicate with the customer in a customer friendly manner. It includes a unique code based operation and special feature of instant analytics for the customer, points / voucher validation and redemption, incentivized referral program, integrated campaigns and the like right at the POS terminal at client outlet enabling real time integration, analytics and communication. The system involving Mobile phones / like mobile operative devices of the end users / customers, at least one client component at the retail / sales outlets and a server component comprising an MCRLP main server system for operative connection to said one client component for customer relationship and loyalty servicing. The Customer interacts with the system and his behavior is modeled.

The present invention relates to systems and methods for encouraging one or more viewers to engage with a broadcast of a live sporting event, and more specifically to a system and method for rewarding people for watching and interacting with live broadcast sporting events to promote loyalty to or improve recognition of sporting events, while collecting useful data about sports consumption habits as well as the rewards consumption patterns associated with those consumers.

The present invention provides a system for implementing a purchaser incentive program on a network-wide level. The system associates SKU and UPC data on a network level to provide consumers with a purchasing environment that is both convenient and cost-efficient. The association of SKU and UPC data at a network level also provides consumers with the ability to analyze their own purchase data for a variety of purposes, including analyses relating to the consumer's spending behaviors or patterns for example. In accordance with one aspect of the invention, the association of UPC and SKU data by the system facilitates a network-wide search for an item that a consumer desires to purchase under terms or conditions that are selected by the consumer and are therefore perceived to be optimal by that consumer. In accordance with another aspect of the invention, the association of UPC and SKU data by the system facilitates data analysis by a consumer based upon any of several factors, including items purchased, prices for those items, retailer ID, SKU number, UPC, manufacturer ID, and / or the like. The system may compile any of the above data across multiple entities for the purpose of data analysis, such as analyses which may be employed in consumer budgeting for example.

A loyalty suite business method is described for building profitable customer relationships. The method is based on a combination of Customer Relationship Management (CRM), Business Intelligence (BI) and Customer Value Management (CVM). The structure of the method is based on an engagement model, followed by phases, activities, tasks, work products and technique papers. The Loyalty Suite approach takes a customer-centered view and integrates CRM operational processes, customer collaboration touchpoints and CRM analytical processes. This results in identification of factors which engender loyalty from a customer perspective. This then determines the enablers and capabilities needed by a client enterprise seeking to deliver customer value.

A service-related merchant may link its rewards program to a transaction account held by a consumer. Points may be awarded to the transaction account at an accelerated earning rate for various types of spend by the consumer, such as every day spend and direct spend. Additionally, points earned through any use of the transactional card are deposited directly into the rewards program offered by the service provider, rather than a generic rewards program offered by the transactional card company. Accumulated points in the rewards program may then be used directly in exchange for goods and services provided by the merchant. Such exchange occurs directly between the customer and the service provider. VIP status in the service provider's reward program may be earned solely on the basis of spend using the transactional card, and does not require a minimum amount of direct spend with the service provider.

An integrated credit and loyalty offering to a retailer maximizes the effectiveness of both programs. The integrated system allows a retailer to enroll customers in a loyalty program, then solicit only pre-qualified customers immediately upon receipt of demographic information corresponding to the customer. The integrated system accepts transaction data from the retailer's loyalty program through the retailer's POS system to the credit prescreening program and awards appropriate loyalty rewards, as well as authorizing the retailer to offer credit to the pre-qualified customers. The credit prescreening process is done in real time as part of a retail transaction with the customer.

Devices and methods for generating and / or communicating using optically formatted image data are provided. One method includes receiving first gaming information from a first wager-based gaming device via a local area network. The method further includes receiving from the first wager-based gaming device a request to include the first gaming information in a machine readable optically formatted image data. The method further includes generating the machine readable optically formatted image data or instructions for creating the machine readable optically formatted image data. Data encoded in the machine readable optically formatted image data comprises a unique identifier and the first gaming information. The method further includes sending the generated machine readable optically formatted image data or the instructions for creating the machine readable optically formatted image data to the first wager-based gaming device. The machine readable optically formatted image data is output to a display device.

A method, system and computer program for enabling a loyalty program to be linked to one or more card issuers, and thereby their cardholders is provided. A loyalty system is provided that is operable to enable the creation, implementation and management of one or more loyalty programs that provide benefits to members of the loyalty programs in connection with transactions between the members and one or more merchants associated with the loyalty system. The method includes registering on the loyalty system one or more card issuers; the operator of the loyalty system, the one or more card issuers, and the merchants establishing the rules for accrual and processing of benefits from the merchants to cardholders associated with the one or more card issuers in connection with transactions between the cardholders and the merchants with the loyalty system; registering on the loyalty system one or more merchant acquirers associated with the one or more card issuers; registering a plurality of the cardholders as members of the loyalty program; and applying the rules to accrue and process the benefits of cardholders in connection with the transactions between the cardholders and the merchants, by operation of the loyalty system. The invention provides a method for increasing transactions within a loyalty system, as well as a method for card issuers and merchants to share the risk and costs associated with directing loyalty programs to cardholders. The method also involves connecting the loyalty system to systems associated with the card issuers and one or more associated merchant acquirers. On this basis, the method enables merchants to direct the loyalty programs or aspects thereof to specific cardholders based on BIN ranges, and based on geographic and / or time based parameters. A system and computer program for implementing the method of the invention is also provided.

Linking loyalty programs by use of a new and unique cross-reference number. Reward points from the linked accounts are pooled. Redemption of reward points associated with the linked accounts can be restricted using restriction rules. Restriction rules restrict redemption of points from an individual's account; from the pooled rewards, and / or restrict redemption for a predetermined reward type. Reward points in the linked accounts can also be converted from one reward account to another using a conversion table, which holds a liability ratio for each account. A processing platform, typically comprising a computer-implemented linking engine and an account files database, is logically connected to a network to receive linking instructions from an account holder. The linking engine can assign the cross-reference number; apply restriction rules; and convert reward points using the conversion tables.

A system or a method is provided to manage a user's loyalty programs. In particular, the system may retrieve information from each of the user's loyalty programs to identify available loyalty programs for a given purchase. The system may infer or predict the user's future purchases. A comparison of different loyalty programs for a given purchase may be implemented in view of the user's future purchases. One or more loyalty programs that provide the user with good reward options based on the user's future purchases may be suggested to the user for certain purchases. In particular, loyalty programs that provide top reward values may be suggested to the user.

A gaming system including a central server linked to a plurality of gaming tables. In one embodiment, the gaming system provides players with one or more loyalty incentives, such as one or more loyalty awards, utilizing one or more loyalty incentive award sequences. In one embodiment, the gaming system determines a loyalty award to provide to a player and then determines an appropriate loyalty award sequence to utilize to provide the player the determined loyalty award, wherein the loyalty award sequence is determined based on the individual gaming table at which that the player is currently playing.