| 序号 | 专利名 | 申请号 | 申请日 | 公开（公告）号 | 公开（公告）日 | 发明人 |
|---|---|---|---|---|---|---|
| 181 | Method and system for managing an incentive fund | US11062503 | 2005-02-22 | US20060190322A1 | 2006-08-24 | Mark Oehlerking; Greg Unruh; Greg Hoover; Timothy Boehle |
| A sponsor or another establishes a pool of incentive funds to be used by designated merchants to fund sponsored incentive programs for at least one of a sale and a lease of a product. An amount of each incentive fund is allocated for a designated merchant. One or more credit plans are designated, where each credit plan is associated with or eligible for each incentive fund. The discretionary distribution of each incentive fund is supported. For example, each incentive fund may be distributed to one or more selected customers based on a customer loyalty program or other parameters. | ||||||
| 182 | METHOD FOR REAL TIME CREDIT CALCULATION OF DIFFERING LOYALTY PROGRAMMES BASED ON TELEPHONE USAGE AND USE OF IP-BASED MULTIMEDIA SUB SYSTEM (IMS) SERVICES | PCT/EP2008004509 | 2008-06-06 | WO2008151757A2 | 2008-12-18 | BLICKER STEFAN |
| The invention relates to a method for real time credit calculation of differing loyalty programmes based on telephone usage of a user and use of IP-based multimedia sub system (IMS) services, wherein statistical data for the user is recorded and stored in a databank by means of an OSAS (Online Statistic Advertisement Server) service. The invention is characterised by storage of loyalty profiles in the LPF, registration of the customer in the IMS, start up of a service by the customer/user, contacting the OSAS in real time via the HSS profile, recording the statistics in real time for the service such as, for example, type, time time spans and similar, triggering the OLS based on the HSS profile, startup of the interfaces by the OLS, use of operator systems through the OLS and provision of the service after contacting the OLS. | ||||||
| 183 | INSTANT GRATIFICATION TERMINAL AND ELECTRONIC PAYMER NETWORK FOR CARRYING FINANCIAL AND NON FINANCIAL DATA | PCT/SG2004000124 | 2004-05-07 | WO2004101577A3 | 2005-06-16 | CHOW HOO SIONG; SIEW HUANG SENG SIMON |
| An instant gratification terminal (100, 520) having a processor (124), adapted to execute a series of instructions that cause the customer to interact with the terminal (100) via a display unit (122) and input means (104), the interaction possibly resulting in a benefit being provided to the customer. The terminal (100, 520) being further adapted to interact with the customer to elicit personal information therefrom. The terminal (100, 520) is also adapted for use in an electronic payment network (500) for carrying financial and non-financial data. The electronic payment network (500) interacts with a second widely used second electronic payment network (510) to settle financial transactions while routing non-financial transactions to the appropriate host computer (700). The electronic payment network (500) also incorporates a point-based loyalty program. | ||||||
| 184 | SYSTEM AND METHOD OF IMPLEMENTING A CARDLESS REWARDS PROGRAM | US12531804 | 2008-09-09 | US20100114688A1 | 2010-05-06 | Dai Song; Ganesha Karuppiaya |
| A method and system of operating a customer rewards program that uses mobile phone networks via short messaging system as a medium of transaction of customer loyalty points between system points host, the end user and the merchant. The system also uses the mobile phone number of the end user as the loyalty card identification number. | ||||||
| 185 | SOCIAL NETWORK LOYALTY-REWARD SYSTEM AND METHOD | US13706952 | 2012-12-06 | US20140164088A1 | 2014-06-12 | Mark R. Rorabaugh |
| A social network loyalty-reward system and method provides an application downloadable to a mobile device. Using the system and a customer's mobile device, the application permits participation in a vendor's loyalty program, the participation being triggered by proximity of the user to a specific location or vendor's site. When the user's presence near a point of sale (POS) or other location is detected, rewards are uploaded to the user's account. Moreover, rewards are distributed to individuals in a contact list or social network of the user's mobile device. This obviates the requirement for a customer to produce a physical card or enter an “ID” number to receive loyalty points. Distribution of loyalty points to the user's social network, as defined by the user's contact list, engenders loyalty to the retailer on the part of the user and his/her social contacts. | ||||||
| 186 | LOYALTY PRESENTATION, METHOD AND SYSTEM | US13049279 | 2011-03-16 | US20110295675A1 | 2011-12-01 | Robin Reodica |
| Methods and systems are presented for sending an update to a customer's loyalty program account through a credit card authorization response message as well as sending the update by SMS, MMS, or other electronic message to the customer's mobile phone or device. The electronic message can allow the user to switch between the type of loyalty points to be accrued as well as offer coupons and other incentives for further purchase. Store returns can update loyalty points and result in update messages as well. | ||||||
| 187 | Loyalty currency vending system | US10197217 | 2002-07-17 | US20030040964A1 | 2003-02-27 | Mark A. Lacek |
| A loyalty program tracking and conversion system that permits users to enter relevant information and data regarding frequent flyer or other loyalty programs whereby the system stores the information regarding the status of award points under the programs. The user can access this information via a communications network such as the Internet as well as shop for products and services from a variety of retailers. The system calculates an equivalent number of universal or system credits based on the award points from the various loyalty programs registered by the user. The user can use the credits to reduce the price of the products and services purchased through the system. These credits may be purchased for one's own account or for others, transferred between accounts for a fee, and may also be purchased by business entities as incentives or considerations for employees or customers. | ||||||
| 188 | INSTANT GRATIFICATION TERMINAL AND ELECTRONIC PAYMER NETWORK FOR CARRYING FINANCIAL AND NON FINANCIAL DATA | PCT/SG2004/000124 | 2004-05-07 | WO2004101577A2 | 2004-11-25 | CHOW HOO SIONG; SIEW HUANG SENG SIMON |
An instant gratification terminal (100, 520) having a processor (124), adapted to execute a series of instructions that cause the customer to interact with the terminal (100) via a display unit (122) and input means (104), the interaction possibly resulting in a benefit being provided to the customer. The terminal (100, 520) being further adapted to interact with the customer to elicit personal information therefrom. The terminal (100, 520) is also adapted for use in an electronic payment network (500) for carrying financial and non-financial data. The electronic payment network (500) interacts with a second widely used second electronic payment network (510) to settle financial transactions while routing non-financial transactions to the appropriate host computer (700). The electronic payment network (500) also incorporates a point-based loyalty program. |
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| 189 | Loyalty file structure for smart card | US09159266 | 1998-09-23 | US06549912B1 | 2003-04-15 | Ann-Pin Chen |
| A loyalty file structure for a smart card includes any number of loyalty files preinstalled by a card manufacturer. Each loyalty file has a password, a file number, a label, an indicator of whether or not the file is currently being rented by a merchant, a length indicator, a data format indicator, and a data region. An issuer creates a unique password for each loyalty file on a card and then issues cards to customers. For customer enrollment at a point-of-sale, a merchant determines if a loyalty file is available. The merchant password is sent to the issuer on-line in real time and is returned along with authorization from the issuer to replace the password of the loyalty file with the merchant password. The file label is changed to a merchant identifier and the file is indicated as being rented. The merchant sends payment or a credit transaction to the issuer for use of the loyalty file. For use with a loyalty program, a merchant terminal finds the loyalty file of a customer's card for that merchant and reads or updates information within that file. The loyalty file on a card is also used with electronic ticketing to store information pertaining to a purchased ticket. Upon later presentation of the card at an airline boarding gate, stored information in the loyalty file is compared with the same information downloaded from the airline host computer. A match indicates a valid purchase and a boarding pass is issued. | ||||||
| 190 | SYSTEMS AND METHODS FOR REWARDING CUSTOMER LOYALTY | US12495436 | 2009-06-30 | US20100332303A1 | 2010-12-30 | Thomas Glynn Vaught |
| Systems and methods allow for rewarding customer loyalty, such as rewarding members of a fitness club for longevity of membership to the fitness club. A method of an embodiment includes storing information about a customer who is scheduled to be charged payment amounts that are specified by a payment plan. The method further includes receiving, by a server computer over a network from a client computer, a request to enroll the customer in a payment reducing plan. Also, the method further includes automatically reducing, by the server computer, the payment amounts charged to the customer over time in accordance with a payment reduction schedule for the payment reducing plan while the customer remains enrolled in the payment reducing plan. | ||||||
| 191 | SYSTEMS AND/OR METHODS FOR IMPLEMENTING A CUSTOMER SAVINGS MERIT PROGRAM | US13571642 | 2012-08-10 | US20130041738A1 | 2013-02-14 | Peter J. JUNGER; Kristin SECRETO |
| Certain exemplary embodiments relate to techniques for facilitating a joint supplier/retailer driven customer loyalty program that specifically advocates customer loyalty by reaching out to consumers with offers that are relevant to the individual shopper and a particular experience they have had. A link between a product and/or service, and a specific customer is provided, e.g., to help facilitate the offering of an incentive (e.g., in the form of a voucher) to a customer who has had a less than satisfactory experience with a particular brand, product, service, sales experience, etc. An opportunity to repair the relationship with a customer who might otherwise be dissatisfied with a product or experience is provided through the provision of customizable customer savings merit programs. | ||||||
| 192 | UNIVERSAL TRANSACTION MANAGER AGENT, SYSTEMS AND METHODS | PCT/US2001/022866 | 2001-07-19 | WO02008998A1 | 2002-01-31 | |
| The present invention relates generally to systems and methods for providing transaction control for purchasing decisions that involve the use of credits, debits, loyalty points, affinity points, promotions, or currency transfers. The present invention provides a common forum where merchants desiring to target consumers prior to or at the time of purchase are matched with customers who desire information, goods, or services related to the merchant. In general, the matching and coordinating of the credit accounts, debit accounts, loyalty (points) programs, affinity (points) programs, promotions, and currency exchanges are performed such that consumers and businesses may obtain the greatest financial, promotional, or desired benefit on purchases of goods and services. Further, merchants may present promotional opportunities to consumers or businesses prior to, at the time of or after transacting the payment of goods or services. | ||||||
| 193 | DRIVERS LICENSE PARSER | US14637330 | 2015-03-03 | US20150248691A1 | 2015-09-03 | Tim PONTIOUS |
| A driver's license parser including: a data accessor configured for accessing data from a scanned bar code of a driver's license of a customer; a data parser configured for parsing the data to achieve parsed data, wherein the parsed data represents a customer profile of the customer; a parsed data storer configured for causing the parsed data to be stored; a comparer configured for comparing the parsed data with requirements of a loyalty program enrollment policy to determine what information of the parsed data falls within the loyalty program enrollment policy; a customer profile validity determiner configured for, based on the comparing, determining a validity of the customer profile; and a form populator configured for, if the customer profile is determined to be valid, populating at least one form with the parsed data to achieve at least one populated form. | ||||||
| 194 | PREPAID RELOADABLE ELECTRONIC TRANSACTION CARDS WITH LOYALTY PROGRAM | US12474424 | 2009-05-29 | US20090299844A1 | 2009-12-03 | Clare Reilly; David McCreadie |
| A reloadable prepaid electronic transaction card is provided that is tied either electronically or physically with a loyalty program, a bonus point program or reward program. The card includes machine readable indicia thereon that allows the card to be linked with a cash balance that resides on the card itself or in an account that is tied to the card. Another feature of the transaction card is that it is tied either electronically or physically to a loyalty program. In one embodiment the card is a reloadable prepaid electronic transaction card that both allows the customer to complete a purchase transaction without the need for cash while also including a customer loyalty code. In another embodiment, the card is tied to a points or bonus rewards system. In a further embodiment, the reloadable prepaid electronic transaction card is used to provide rebates for purchases, such as fuel purchases. | ||||||
| 195 | COUPONLESS REWARDS IN RESPONSE TO A TRANSACTION | US15216264 | 2016-07-21 | US20160328735A1 | 2016-11-10 | RUTH L. ALONI; BENZION T. AXELROD; JEAN L. BOWMAN; JACK J. FUNDA; JONATHAN S. POLON; SRIPRIYA V. TIKU |
| A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers. | ||||||
| 196 | Loyalty Incentive Program Using Transaction Cards | US11779734 | 2007-07-18 | US20080021772A1 | 2008-01-24 | Ruth ALONI; Benzion Axelrod; Jean Bowman; Jack Funda; Jonathan Polon; Sripriya Tiku |
| A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers. | ||||||
| 197 | SYSTEM AND METHOD OF OPERATING A CUSTOMER LOYALTY PROGRAM | US11720388 | 2005-12-02 | US20090125386A1 | 2009-05-14 | Jason James Willison; Roshunkumar Dayanand Chirkoot |
| A system and method for operating a customer loyalty program including a computer system accessible on-line by various institutions participating in the customer loyalty program. The computer system includes a data-processing facility for processing inter alia, information relating to participating customers and their loyalty accounts, and information relating to participating institutions. The computer system further includes a storage facility for storing a database of participating customers' information, as well as other relevant information. The system also includes a facility for managing the transfer of relevant information from participating customers and institutions, and for managing the maintenance of the database information stored in the storage facility, including the application of discounted rates of interest to selected financial instruments. The system and method of the invention typically envisages two types of participating institutions, a financial institution shown as lender and a retail institution shown as merchant. | ||||||
| 198 | Loyalty incentive program using transaction cards | US11779734 | 2007-07-18 | US09430773B2 | 2016-08-30 | Ruth L. Aloni; Benzion T. Axelrod; Jean L. Bowman; Jack J. Funda; Jonathan S. Polon; Sripriya V. Tiku |
| A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers. | ||||||
| 199 | Method of Increasing Customer Loyalty With A Merchant | US12536524 | 2009-08-06 | US20100036721A1 | 2010-02-11 | Rory Fatt |
| A method of increasing customer loyalty and sales with a merchant includes providing a carrier to obtain demographic and contact information about a customer and enter the customer as a participant in a rewards program. This carrier also grants the loyalty program permission to market to them through any contact means they are given. The customer information is matched with a participant number. Promotional materials are sent to the participant wherein the promotional materials include a participant identifier and a promotional code wherein the promotional material is presented to a merchant to obtain points in the rewards program based upon the participant's activity with the merchant such that a card is not required to participate in the rewards program. The results of all marketing is analyzed to determine future customized marketing to target existing and potential customers with similar demographic profiles as merchants existing best customers. | ||||||
| 200 | Facilitating E-commerce and customer retention | US11206921 | 2005-08-19 | US20070043613A1 | 2007-02-22 | Brian Longest |
| E-commerce is growing at a rapid pace due to the fantastic growth rate of the Internet. Consumers are becoming more Internet savvy and more likely to spend money over the Internet. The present invention allows the Customer to receive a cash credit to their account, as well as other reward alternatives. Receiving cash in the Customers account with the Merchant leaves no ambiguity as to what the Customer can purchase, as they can purchase anything at the Merchants site. The present invention relates to electronic commerce (e-commerce) and the purchasing of goods and services. More particularly to Customer retention and loyalty programs, and still more particularly to creating the ideal Customer retention and loyalty program by facilitating the exchange between online Advertisers, Merchants, and Consumers. | ||||||
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