WO2008052073A3 - Method and apparatus for reward messaging, discounting and redemption at the point of interaction - Google Patents

Method and apparatus for reward messaging, discounting and redemption at the point of interaction Download PDF

Info

Publication number
WO2008052073A3
WO2008052073A3 PCT/US2007/082415 US2007082415W WO2008052073A3 WO 2008052073 A3 WO2008052073 A3 WO 2008052073A3 US 2007082415 W US2007082415 W US 2007082415W WO 2008052073 A3 WO2008052073 A3 WO 2008052073A3
Authority
WO
WIPO (PCT)
Prior art keywords
reward
interaction
point
discounting
redemption
Prior art date
Application number
PCT/US2007/082415
Other languages
French (fr)
Other versions
WO2008052073A2 (en
Inventor
Brigette White
Andrea Gilman
Burnett Hunter
Sara Fiebiger
Dennis Hill
Original Assignee
Mastercard International Inc
Brigette White
Andrea Gilman
Burnett Hunter
Sara Fiebiger
Dennis Hill
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Inc, Brigette White, Andrea Gilman, Burnett Hunter, Sara Fiebiger, Dennis Hill filed Critical Mastercard International Inc
Priority to EP07863484A priority Critical patent/EP2097864A4/en
Priority to AU2007308944A priority patent/AU2007308944A1/en
Priority to CA2670640A priority patent/CA2670640C/en
Publication of WO2008052073A2 publication Critical patent/WO2008052073A2/en
Publication of WO2008052073A3 publication Critical patent/WO2008052073A3/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0236—Incentive or reward received by requiring registration or ID from user

Abstract

Systems, methods, apparatus, means and computer program code are provided including receiving, from a point of interaction, an authorization request message identifying a requested purchase transaction, the authorization request message including data identifying a payment account identifier and a purchase amount; determining that the payment account identifier is eligible for a reward and selecting a reward message associated with the reward; and transmitting an authorization response message including the reward message to the point of interaction for display to an account holder.
PCT/US2007/082415 2006-10-24 2007-10-24 Method and apparatus for reward messaging, discounting and redemption at the point of interaction WO2008052073A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
EP07863484A EP2097864A4 (en) 2006-10-24 2007-10-24 Method and apparatus for reward messaging, discounting and redemption at the point of interaction
AU2007308944A AU2007308944A1 (en) 2006-10-24 2007-10-24 Method and apparatus for reward messaging, discounting and redemption at the point of interaction
CA2670640A CA2670640C (en) 2006-10-24 2007-10-24 Method and apparatus for reward messaging, discounting and redemption at the point of interaction

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US86274006P 2006-10-24 2006-10-24
US60/862,740 2006-10-24
US11/923,306 2007-10-24
US11/923,306 US20080133351A1 (en) 2006-10-24 2007-10-24 Method and apparatus for reward messaging, discounting and redemption at the point of interaction

Publications (2)

Publication Number Publication Date
WO2008052073A2 WO2008052073A2 (en) 2008-05-02
WO2008052073A3 true WO2008052073A3 (en) 2008-07-03

Family

ID=39325400

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/082415 WO2008052073A2 (en) 2006-10-24 2007-10-24 Method and apparatus for reward messaging, discounting and redemption at the point of interaction

Country Status (5)

Country Link
US (1) US20080133351A1 (en)
EP (1) EP2097864A4 (en)
AU (1) AU2007308944A1 (en)
CA (1) CA2670640C (en)
WO (1) WO2008052073A2 (en)

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* Cited by examiner, † Cited by third party
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US8626705B2 (en) 2009-11-05 2014-01-07 Visa International Service Association Transaction aggregator for closed processing

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