Credit card rewards program
AssigneeSpark Commerce, LLC
InventorsJanssen Choong Cheng Shien, Andrew Moss
Life of this patent
Estimating the term…
Abstract
Systems and methods are provided which enable a consumer to accept a promotional offer for a credit card-based reward program without having to supply a credit card number at the time of acceptance. For example, after acceptance, a credit card number associated with the consumer may be retrieved from an entity to which the consumer previously supplied it, such as a publisher (e.g., e-commerce website), and the retrieved number may then be used in relation to the reward program.
Claims39
A method, comprising acts of:
- (A) causing a promotional offer to be presented to a consumer, acceptance of the promotional offer by the consumer enabling the consumer to benefit from use of a particular credit card in a particular manner;
- and
- (B) receiving an indication that the promotional offer has been accepted by the consumer, wherein acceptance by the consumer is accomplished without the consumer supplying a credit card number identifying the particular credit card at the time of acceptance;
- (C) determining that the consumer has used the particular credit card in the particular manner;
- and
- (D) in response to the determining in the act (C), causing a benefit to accrue to the consumer.
At least one computer-readable medium having instructions recorded thereon which, when executed by at least one computer, perform a method comprising acts of:
- (A) causing a promotional offer to be presented to a consumer, acceptance of the promotional offer by the consumer enabling the consumer to benefit from use of a particular credit card in a particular manner;
- and
- (B) receiving an indication that the promotional offer has been accepted by the consumer, wherein acceptance by the consumer is accomplished without the consumer supplying a credit card number identifying the particular credit card at the time of acceptance;
- (C) determining that the consumer has used the particular credit card in the particular manner;
- and
- (D) in response to the determining in the act (C), causing a benefit to accrue to the consumer.
A computer system, comprising:
- at least one processor programmed to:
- (A) cause a promotional offer to be presented to a consumer, acceptance of the promotional offer by the consumer enabling the consumer to benefit from use of a particular credit card in a particular manner;
- and
- (B) receive an indication that the promotional offer has been accepted by the consumer, wherein acceptance by the consumer is accomplished without the consumer supplying a credit card number identifying the particular credit card at the time of acceptance;
- (C) determine that the consumer has used the particular credit card in the particular manner;
- and
- (D) in response to the determining in the act (C), cause a benefit to accrue to the consumer.
Dependencies are inferred from the claim text.