SG11201803765TA - Systems and methods for processing loyalty rewards - Google Patents

Abstract

NETWORKMERCHANT —arc) () INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau 111111111111111111111111111111111111111111111111111111111111111111111R111111111111111 (10) International Publication Number WO 2017/083182 Al WIPO I PCT (43) International Publication Date 18 May 2017 (18.05.2017) (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art 21(3)) PCT/US2016/060446 (51) International Patent Classification: G06Q 30/02 (2012.01) (21) International Application Number: (22) International Filing Date: 4 November 2016 (04.11.2016) English English (25) Filing Language: (26) Publication Language: (30) Priority Data: 14/938,603 11 November 2015 (11.11.2015) US (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- chase, NY 10577 (US). (72) Inventors: KEDZLIE, Iain; 37 Enghams Wood Road, Beaconsfield, Buckinghamshire HP9 1JX (GB). CHAUHAN, Rohit; 28 Hallocks Run, Somers, NY 10589 (US). (74) Agent: DOBBYN, Colm, J ; Mastercard International In- corporated, 2000 Purchase Street, Purchase, NY 10577 (US). (54) Title: SYSTEMS AND METHODS FOR PROCESSING LOYALTY REWARDS (57) : Systems and methods are provided for use in processing loyalty re- wards. One exemplary method includes re- ceiving a message associated with a transac- tion to a payment account where the message includes a primary account number (PAN) for the payment account, a merchant identifier for a merchant involved in the transaction, and at least one purchase parameter. The method also includes identifying, in a data structure, a 'CO loyalty account associated with both the mer- chant identifier and the payment account, and causing a loyalty account value associated with the loyalty account to be updated based on the at least one purchase parameter, whereby the loyalty account is updated by use of the payment account without a consumer associated with the payment account and/or 200 the transaction separately presenting an indic- ator of the loyalty account to the merchant. 122 \ AUTHOR 2AT 0 MESSAGE PITa x fialiTTY Tx MDT EN -API ISSUER ENT MR< W O 20 17 /083 18 2 Al 112 0 FIG. 1