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US 2014/0195324 A1Published application
System and method for enhanced commerce
AssigneeRakuten USA, Inc.
InventorAntoine Hage
Life of this patent
Estimating the term…
Abstract
A program controlled data-processing system and computer-based method for facilitating retail transactions based on a seamless translation of reward points into a suitable currency for purchase. In one embodiment, the present invention allows a user to utilize points without the traditional redemption restrictions or encumbrances associated with reward programs.
Claims17
A computer-implemented method, comprising:
- receiving at a loyalty clearinghouse server, via a distributed network, user information and checkout information, wherein said user information is associated with a points account and said checkout information comprises the total purchase price;
- converting, by said server, points to a currency value, wherein said points are associated with said points account;
- presenting, via said distributed network, proposed point redemption to a user;
- generating a temporary credit or debit card number based on said point conversion;
- and
- deducting said points from said points account.
3 more elements
A system, comprising:
- a communication link configured to receive user information and checkout information, wherein said user information is associated with a points account and said checkout information comprises the total purchase price;
- and
- a data-processor programmed to:
- convert points to a currency value, wherein said points are associated with said points account;
- present proposed point redemption to a user;
- generate a temporary credit or debit card number based on said point conversion;
- and
- deduct said points from said points account.
5 more elements
A non-transitory computer-readable medium containing a program that, when executed on a data-processor, causes the data-processor to:
- receive via a distributed network, user information and checkout information, wherein said user information is associated with a points account and said checkout information comprises the total purchase price;
- convert points to a currency value, wherein said points are associated with said points account;
- present via said distributed network, proposed point redemption to a user;
- generate a temporary credit or debit card number based on said point conversion;
- and
- deduct said points from said points account.
3 more elements
Dependencies are inferred from the claim text.