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公开(公告)号：US20090006212A1
公开(公告)日：2009-01-01
申请号：US12167034
申请日：2008-07-02
IPC分类号： G06Q30/00
CPC分类号： G06Q20/12 , G06Q20/28 , G06Q20/387 , G06Q30/02 , G06Q30/0235 , G06Q30/0236
摘要： A system and method of operating a rewards program through a financial institution for granting rewards to customers enrolled in the rewards program wherein the customer receives one or more reward credits in an account associated with the financial institution if the customer meets certain qualification criteria. The method may include determining if the account qualifies for an award credit; assigning a reward credit to the account; receiving purchase information regarding a purchase made at a merchant associated with the customer's account; identifying from the purchase information whether the purchase was made at a qualifying merchant; and applying the reward credit towards the purchase made by the customer at the qualifying merchant by applying a reward credit to the customer's account based upon the business rules applicable to the reward program. The method also determines if a reward credit has expired, in which event either the merchant or the financial institution may receive the benefit of any unused or expired reward credits depending on the particular embodiment of the reward program. The method also creates and provides notification to the customer of reward credit information.
摘要翻译： 一种通过金融机构运行奖励计划的系统和方法，用于向参加奖励计划的客户发放奖励，其中如果客户符合某些资格标准，则客户在与金融机构相关联的账户中收到一个或多个奖励积分。 该方法可以包括确定帐户是否符合奖励积分; 向帐户分配奖励积分; 接收关于在与客户账户相关联的商家进行的购买的购买信息; 从购买信息中确定购买是否在合格商家进行; 并根据适用于奖励计划的业务规则，将奖励积分应用于由客户在合格商家进行的购买，并向客户的账户申请奖励积分。 该方法还确定奖励积分是否已经过期，在这种情况下，商家或金融机构可以根据奖励计划的特定实施例而获得任何未使用或过期的奖励积分的利益。 该方法还创建并向客户通知奖励信用信息。
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公开(公告)号：US08608061B2
公开(公告)日：2013-12-17
申请号：US12167034
申请日：2008-07-02
IPC分类号： G06F11/00
CPC分类号： G06Q20/12 , G06Q20/28 , G06Q20/387 , G06Q30/02 , G06Q30/0235 , G06Q30/0236
摘要： A system and method of operating a rewards program through a financial institution for granting rewards to customers enrolled in the rewards program wherein the customer receives one or more reward credits in an account associated with the financial institution if the customer meets certain qualification criteria. The method may include determining if the account qualifies for an award credit; assigning a reward credit to the account; receiving purchase information regarding a purchase made at a merchant associated with the customer's account; identifying from the purchase information whether the purchase was made at a qualifying merchant; and applying the reward credit towards the purchase made by the customer at the qualifying merchant by applying a reward credit to the customer's account based upon the business rules applicable to the reward program. The method also determines if a reward credit has expired, in which event either the merchant or the financial institution may receive the benefit of any unused or expired reward credits depending on the particular embodiment of the reward program. The method also creates and provides notification to the customer of reward credit information.
摘要翻译： 一种通过金融机构运行奖励计划的系统和方法，用于向参加奖励计划的客户发放奖励，其中如果客户符合某些资格标准，则客户在与金融机构相关联的账户中收到一个或多个奖励积分。 该方法可以包括确定帐户是否符合奖励积分; 向帐户分配奖励积分; 接收关于在与客户账户相关联的商家进行的购买的购买信息; 从购买信息中确定购买是否在合格商家进行; 并根据适用于奖励计划的业务规则，将奖励积分应用于由客户在合格商家进行的购买，并向客户的账户申请奖励积分。 该方法还确定奖励积分是否已经过期，在这种情况下，商家或金融机构可以根据奖励计划的特定实施例而获得任何未使用或过期的奖励积分的利益。 该方法还创建并向客户通知奖励信用信息。
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公开(公告)号：US10387851B1
公开(公告)日：2019-08-20
申请号：US12572252
申请日：2009-10-01
申请人： Gabriel M. Krajicek , Don Shafer , Timothy Leroy Eisenman , Paul Rudolph Barton , Shawn Chapman
发明人： Gabriel M. Krajicek , Don Shafer , Timothy Leroy Eisenman , Paul Rudolph Barton , Shawn Chapman
摘要： Reward payments are applied to a first account and/or any linked second accounts at a financial institution. A computer program determines whether the first account qualifies for application of a reward, which may be a first alternate interest rate and/or a reward payment formula. The program communicates application of the reward to the first account and any linked second accounts for an accounting period applicable to the reward if the first account qualifies for the reward. In an event wherein the first account does not qualify for the reward, the program communicates application of the base interest rate to the first account and any linked second accounts for an accounting period applicable to the base interest rate.
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