System and method for a multiple merchant stored value card

Details System and method for a multiple merchant stored value card System and method for a multiple merchant stored value card

2002-06-25

2009-10-20

Alvarez, Raquel (Department: 3688)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Discount or incentive

C705S016000, C705S400000

Reexamination Certificate

active

07606730

ABSTRACT:
The loyalty system allows a consumer to accumulate general loyalty points from one or more merchants, and convert any desired subset of general points to loyalty dollars associated with a specific merchant. The system stores, for each consumer, the merchant loyalty dollars (or monetary equivalent) by merchant within a remotely-accessible host database or within a smart card database. Upon conducting a purchase at a particular merchant, the consumer may utilize a code key to facilitate access to the consumer's own loyalty dollars for the particular merchant. The loyalty dollars are then applied to the purchase transaction as a discount or rebate. The consumer may also re-load the merchant loyalty dollar accounts.

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