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WO2002065246A3 - Customer loyalty programs and systems and methods for such programs - Google Patents

Customer loyalty programs and systems and methods for such programs Download PDF

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Publication number
WO2002065246A3
WO2002065246A3 PCT/US2002/004222 US0204222W WO02065246A3 WO 2002065246 A3 WO2002065246 A3 WO 2002065246A3 US 0204222 W US0204222 W US 0204222W WO 02065246 A3 WO02065246 A3 WO 02065246A3
Authority
WO
WIPO (PCT)
Prior art keywords
incentives
card
participants
programs
commerce
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/US2002/004222
Other languages
French (fr)
Other versions
WO2002065246A9 (en
WO2002065246A2 (en
Inventor
Matthew S Luban
Charles Eric Peters
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Stockback Holdings Inc
Original Assignee
Stockback Holdings Inc
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 Stockback Holdings Inc filed Critical Stockback Holdings Inc
Priority to AU2002255535A priority Critical patent/AU2002255535A1/en
Priority to CA002438197A priority patent/CA2438197A1/en
Publication of WO2002065246A2 publication Critical patent/WO2002065246A2/en
Anticipated expiration legal-status Critical
Publication of WO2002065246A3 publication Critical patent/WO2002065246A3/en
Publication of WO2002065246A9 publication Critical patent/WO2002065246A9/en
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention encompasses a customer loyalty investment program system and method. The invention is used in e-commerce, or in any commerce using an identification (id) card recognizable as a standard payment card and preferably tracks member transactions. Members (27) receive rebates (29) and other incentives (29) sponsored by program participants (51) for transactions involving participants' goods and services (32). The method allocates rebates and other incentives among one or more loyalty vehicles, preferably to a fund that invests in securities of at least one participant. The invention also provides for direct incentives immediately available for use and other incentive vehicles. The system includes a web server, a website (37), a database server with information on members, purchases, participants, incentives and funds for investments, and an input/output means (25). In the credit card embodiment, incentives come from a card issuer and/or other participants. In the id card embodiment, the card's payment functions may be disabled.
PCT/US2002/004222 2001-02-12 2002-02-12 Customer loyalty programs and systems and methods for such programs Ceased WO2002065246A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2002255535A AU2002255535A1 (en) 2001-02-12 2002-02-12 Customer loyalty programs and systems and methods for such programs
CA002438197A CA2438197A1 (en) 2001-02-12 2002-02-12 Customer loyalty programs and systems and methods for such programs

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US26804401P 2001-02-12 2001-02-12
US60/268,044 2001-02-12
US4362102A 2002-01-11 2002-01-11
US10/043,621 2002-01-11

Publications (3)

Publication Number Publication Date
WO2002065246A2 WO2002065246A2 (en) 2002-08-22
WO2002065246A3 true WO2002065246A3 (en) 2004-03-18
WO2002065246A9 WO2002065246A9 (en) 2004-04-22

Family

ID=26720628

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/004222 Ceased WO2002065246A2 (en) 2001-02-12 2002-02-12 Customer loyalty programs and systems and methods for such programs

Country Status (3)

Country Link
AU (1) AU2002255535A1 (en)
CA (1) CA2438197A1 (en)
WO (1) WO2002065246A2 (en)

Cited By (4)

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US7542942B2 (en) 2001-07-10 2009-06-02 American Express Travel Related Services Company, Inc. System and method for securing sensitive information during completion of a transaction
US7694876B2 (en) 2001-07-10 2010-04-13 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US7835960B2 (en) 2000-03-07 2010-11-16 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US8429041B2 (en) 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles

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US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US7306158B2 (en) 2001-07-10 2007-12-11 American Express Travel Related Services Company, Inc. Clear contactless card
US7239226B2 (en) 2001-07-10 2007-07-03 American Express Travel Related Services Company, Inc. System and method for payment using radio frequency identification in contact and contactless transactions
US7093767B2 (en) 1999-09-07 2006-08-22 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US7070112B2 (en) 1999-09-07 2006-07-04 American Express Travel Related Services Company, Inc. Transparent transaction device
US7156301B1 (en) 1999-09-07 2007-01-02 American Express Travel Related Services Company, Inc. Foldable non-traditionally-sized RF transaction card system and method
US7268668B2 (en) 2003-05-09 2007-09-11 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction instrument
US8543423B2 (en) 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
US7172112B2 (en) 2000-01-21 2007-02-06 American Express Travel Related Services Company, Inc. Public/private dual card system and method
US6663002B2 (en) * 2000-08-15 2003-12-16 James B. Glaser Apparatus and method for facilitating credit transactions
US7398225B2 (en) * 2001-03-29 2008-07-08 American Express Travel Related Services Company, Inc. System and method for networked loyalty program
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US7059531B2 (en) 2001-07-10 2006-06-13 American Express Travel Related Services Company, Inc. Method and system for smellprint recognition biometrics on a fob
US7154375B2 (en) 2001-07-10 2006-12-26 American Express Travel Related Services Company, Inc. Biometric safeguard method with a fob
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US7543738B1 (en) 2001-07-10 2009-06-09 American Express Travel Related Services Company, Inc. System and method for secure transactions manageable by a transaction account provider
US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US7762457B2 (en) 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US8635131B1 (en) 2001-07-10 2014-01-21 American Express Travel Related Services Company, Inc. System and method for managing a transaction protocol
US7746215B1 (en) 2001-07-10 2010-06-29 Fred Bishop RF transactions using a wireless reader grid
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US7493288B2 (en) 2001-07-10 2009-02-17 Xatra Fund Mx, Llc RF payment via a mobile device
US7360689B2 (en) 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US8538863B1 (en) 2001-07-10 2013-09-17 American Express Travel Related Services Company, Inc. System and method for facilitating a transaction using a revolving use account associated with a primary account
US7121471B2 (en) 2001-07-10 2006-10-17 American Express Travel Related Services Company, Inc. Method and system for DNA recognition biometrics on a fob
US7996324B2 (en) 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US7463133B2 (en) 2001-07-10 2008-12-09 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts
US7827106B2 (en) 2001-07-10 2010-11-02 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US7119659B2 (en) 2001-07-10 2006-10-10 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device for use in a private label transaction
US8960535B2 (en) 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US7303120B2 (en) 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
US7228155B2 (en) 2001-07-10 2007-06-05 American Express Travel Related Services Company, Inc. System and method for remotely initializing a RF transaction
AUPS243302A0 (en) * 2002-05-20 2002-06-13 Prudential Finance Corporation Pty Limited Financial product
US7587756B2 (en) 2002-07-09 2009-09-08 American Express Travel Related Services Company, Inc. Methods and apparatus for a secure proximity integrated circuit card transactions
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US7268667B2 (en) 2003-05-09 2007-09-11 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device operable to store multiple distinct accounts
US7398246B2 (en) 2003-11-13 2008-07-08 Citicorp Credit Services, Inc. Method and system for managing a mortgage rebate transaction card account
US7314165B2 (en) 2004-07-01 2008-01-01 American Express Travel Related Services Company, Inc. Method and system for smellprint recognition biometrics on a smartcard
KR20050018865A (en) * 2005-01-24 2005-02-28 도이치투자신탁운용주식회사 System and method for managing accumulative fund connected to the use of credit card
US20100094698A1 (en) * 2008-10-09 2010-04-15 Citizens Financial Group, Inc. Method of conducting a transaction that results in customer rewards
CA2717206C (en) * 2009-10-22 2017-04-25 Visa U.S.A. Inc. Merchant offer program
US11205176B2 (en) * 2014-10-06 2021-12-21 Total System Services, Inc. Methods and systems for authorizing program activities
WO2019164496A1 (en) 2018-02-23 2019-08-29 Visa International Service Association Method, system, and computer program product for applying deep learning analysis to financial device usage
WO2020033918A1 (en) * 2018-08-10 2020-02-13 Bumped, Inc. Distribution of fractional equity rewards based on purchase behavior

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* Cited by examiner, † Cited by third party
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US6243688B1 (en) * 1997-04-14 2001-06-05 Dyan T. Kalina Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle
WO2002037327A2 (en) * 2000-10-30 2002-05-10 Alphonsus Albertus Schirris Pre-translated multi-lingual online search system, method, and computer program product
US20020062253A1 (en) * 2000-10-20 2002-05-23 Sidney Dosh Loyalty club reward system for use in a broadcast loyalty program
US20020082920A1 (en) * 2000-11-17 2002-06-27 Kermit Austin System and methods for providing a multi-merchant loyalty program
US20020082918A1 (en) * 2000-10-31 2002-06-27 Beenz.Com Inc. Loyalty system incorporating embedded incentives

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6243688B1 (en) * 1997-04-14 2001-06-05 Dyan T. Kalina Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle
US20020062253A1 (en) * 2000-10-20 2002-05-23 Sidney Dosh Loyalty club reward system for use in a broadcast loyalty program
WO2002037327A2 (en) * 2000-10-30 2002-05-10 Alphonsus Albertus Schirris Pre-translated multi-lingual online search system, method, and computer program product
US20020082918A1 (en) * 2000-10-31 2002-06-27 Beenz.Com Inc. Loyalty system incorporating embedded incentives
US20020082920A1 (en) * 2000-11-17 2002-06-27 Kermit Austin System and methods for providing a multi-merchant loyalty program

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7835960B2 (en) 2000-03-07 2010-11-16 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US7542942B2 (en) 2001-07-10 2009-06-02 American Express Travel Related Services Company, Inc. System and method for securing sensitive information during completion of a transaction
US7694876B2 (en) 2001-07-10 2010-04-13 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US8429041B2 (en) 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles

Also Published As

Publication number Publication date
AU2002255535A1 (en) 2002-08-28
WO2002065246A9 (en) 2004-04-22
CA2438197A1 (en) 2002-08-22
WO2002065246A2 (en) 2002-08-22

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