Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Discount or incentive
Reexamination Certificate
2004-04-28
2010-06-22
Diaz, Susanna M (Department: 3684)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Discount or incentive
Reexamination Certificate
active
07742943
ABSTRACT:
A loyalty reward point system that utilizes the pre-existing infrastructure of network such as a credit card network. A user makes a purchase at a merchant using a token such as a credit card. As part of the purchase transaction, the user is awarded reward points from the merchant based on the purchase, which are stored in an account associated with the merchant and the user by the acquiring bank. The reward account is maintained on the acquiring bank server on behalf of the merchant and the user, and the number of reward points in the user's account for that merchant is increased accordingly. The user may redeem the reward points earned from the transaction with the merchant at a later time, or may redeem the points with another merchant in the same marketing cluster, or may aggregate those reward points with those of other merchants into a reward point exchange account, and then redeem the aggregated reward points for goods or services from any approved merchant on the network, depending on the configuration of the system.
REFERENCES:
patent: 4941090 (1990-07-01), McCarthy
patent: 5117355 (1992-05-01), McCarthy
patent: 5202826 (1993-04-01), McCarthy
patent: 5592376 (1997-01-01), Hodroff
patent: 5659165 (1997-08-01), Jennings et al.
patent: 5687323 (1997-11-01), Hodroff
patent: 5689100 (1997-11-01), Carrithers et al.
patent: RE36116 (1999-02-01), McCarthy
patent: 5915244 (1999-06-01), Jack et al.
patent: 5956695 (1999-09-01), Carrithers et al.
patent: 6014635 (2000-01-01), Harris et al.
patent: 6327573 (2001-12-01), Walker et al.
patent: 6334108 (2001-12-01), Deaton et al.
patent: 6379247 (2002-04-01), Walker et al.
patent: 6594640 (2003-07-01), Postrel
patent: 6721743 (2004-04-01), Sakakibara
patent: 7076465 (2006-07-01), Blagg et al.
patent: 2001/0054003 (2001-12-01), Chien et al.
patent: 2002/0026348 (2002-02-01), Fowler et al.
patent: 2002/0029190 (2002-03-01), Gutierrez-Sheris
patent: 2002/0143616 (2002-10-01), Hajdukiewicz et al.
patent: 2002/0143626 (2002-10-01), Voltmer et al.
patent: 2002/0188509 (2002-12-01), Ariff et al.
patent: 2002/0194068 (2002-12-01), Bishop et al.
patent: 2003/0033211 (2003-02-01), Haines et al.
patent: 2003/0050831 (2003-03-01), Klayh
patent: 2003/0130895 (2003-07-01), Antonucci et al.
patent: 2003/0200144 (2003-10-01), Antonucci et al.
patent: 2003/0225618 (2003-12-01), Hessburg et al.
patent: 2003/0236704 (2003-12-01), Antonucci
patent: 2003/0236712 (2003-12-01), Antonucci et al.
patent: 2005/0021457 (2005-01-01), Johnson et al.
patent: 2005/0043992 (2005-02-01), Cohagan et al.
patent: 2007/0112631 (2007-05-01), Voltmer et al.
Kingson, Jennifer A. “Discover Priorities: Product Mix, Alliances: Shift in Cashback Program, Cobranding.” American Banker, p. 1, Jan. 2, 2002.
Asami, S. “Loyalty Card Utilized as a Marketing Tool in Europe and North America”, Card Wave, by C. Media Co., Japan, vol. 10, No. 10, Sep. 10, 1997, pp. 14-20. English Translation.
Wada, F. “Customer Loyalty Programs in America: Latin Pass & Frequency Marketing Inc.”, Card Wave, by C. Media Co., Japan, Vo. 11, No. 2, Jan. 10, 1998, pp. 50-52. English Translation.
Kim, W.J. and D.H. Kim “A Method for Exchanging Bonus Points”, English Translation of Korean Patent Publication 1999-0078768, May 11, 1999.
Sakakibara, “Method and System for Managing Point, Central Unit and Recording Medium”, Machine-generated English translation of Japanese Patent publication JP2001-273453; Oct. 5, 2001, http://www19.ipdl.ncipi.go.jp/PA1/result/detail/main/wAAAZHaGIcDA413273453P1.htm.
Chang, H.J. and K.H Kim “Mileage Point Integration System Based on Internet”, English Translation of Korean Patent Publication TUK 2000-0012702, Mar. 6, 2000.
ClickRewards—Member Agreement http://web.archive.org/web/19980516234621/www.clickrewards.com/NSU—b.html.
Barkume & Associates, P.C.
Diaz Susanna M
Signature Systems LLC
LandOfFree
Method and system for issuing, aggregating and redeeming... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Method and system for issuing, aggregating and redeeming..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Method and system for issuing, aggregating and redeeming... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-4164399