# US 2019/0172084 A1 · Method and system for awarding customer loyalty awards > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2019/0172084 A1 - Document ID: US20190172084A1 - Status: Published application - Kind: A1 - Application number: 16/271,057 - Filed: 2019-02-08 - Published: 2019-06-06 - Earliest claimed: 2011-05-18 - Assignees: JPMorgan Chase Bank, N.A. - Applicants: JPMorgan Chase Bank, N.A. - Inventors: Jasper Angus Malcolmson; Ashish Baldua; Gustavo Both Bitdinger; Lisa Marie Bruggeman - Web page: https://patentgrep.com/patent/US20190172084A1 ## CPC - G06Q 30/0207: Discounts or incentives, e.g. coupons or rebates - 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 ## Abstract This invention discloses a novel system and method for implementing an electronic customer loyalty rewarding service that awards credits for continued patronage of a vendor, where the credits can be spent at the vendor or with other vendors that participate in the service. ## Claims ### Claim 1 A computer implemented method for presenting an offer to a customer comprising: accessing customer account data, vendor data, and award data at a discount program database; providing a discount program viewer application via a first website on a first server to the customer viewing a product or a service at the first website to present the offer; formulating, at the first server, a customer identifier uniquely identifying the customer and updating the discount program database with the customer identifier; generating a customer data record in the discount program database, and associating the customer data record with the customer identifier; receiving existing purchase data identifying a purchase transaction made by the customer, wherein the purchase transaction includes a purchase amount; transmitting the customer account data, the customer identifier, and the existing purchase data to a discount program processing engine operating on a second server; monitoring, using at least one processor of the second server, the customer's purchase activity to identify new purchase activity for the customer; identifying new purchase activity for the customer and extracting data from the new purchase activity via the at least one processor of the second server to identify a new purchase amount and associating the extracted data including the new purchase amount with the customer identifier; transmitting the extracted data and associated customer identifier to the first server to calculate a total amount based on the purchase amount and the new purchase amount; determining an award to present to the customer as the offer based on the total amount; updating the customer data record in the discount program database with an alphanumeric coding comprising a first alphanumeric string indicating an award type corresponding to the award, and a second alphanumeric string indicating a value for the award; and presenting the award to the customer during the new purchase activity via a display. ### Claim 2 (depends on 1) The method of claim 1, wherein the award is selected from the group consisting of a product, a service, a monetary award, and an account status level. ### Claim 3 (depends on 1) The method of claim 1, wherein determining the award to present to the customer is further based on at least one rule. ### Claim 4 (depends on 3) The method of claim 3, wherein extracting data from the new purchase activity further comprises: identifying a participating vendor in the new purchase activity; and wherein applying the one rule adjusts the total amount by a percentage based on spending activity with the participating vendor. ### Claim 5 (depends on 1) The method of claim 1, further comprising: verifying that the customer has authorized tracking of the customer's purchase activity; and upon verifying that the customer authorized tracking of the customer's purchase activity, formulating, at the first server, the customer identifier. ### Claim 6 (depends on 1) The method of claim 1, further comprising: filtering the customer account data and the existing purchase data at the discount processing engine to obtain credit card transaction data associated with the customer. ### Claim 7 (depends on 1) The method of claim 1, wherein the award is based on the total amount spent by the customer at a vendor over a predetermined amount of time. ### Claim 8 (depends on 1) The method of claim 1, wherein the award is based on a number of transactions performed by the customer at a vendor over a predetermined amount of time. ### Claim 9 (depends on 1) The method of claim 1, wherein the award is based on the total amount spent by the customer at a set of vendors over a predetermined amount of time. ### Claim 10 (depends on 1) The method of claim 1, further comprising: calculating an amount equal to a pre-determined percentage of the total amount; and incrementing the value for the award by the calculated amount. ### Claim 11 A system for tracking a customer's purchase activity to present an offer to the customer, the system comprising: a storage device configured to store data and instructions thereon, wherein the storage device includes a discount program database including customer account data, vendor account data and data associated with awards to offer to the customer; and at least one computer processor in communication with the storage device for accessing the data and the instructions over a network, wherein the at least one computer processor is configured to execute the instructions to perform steps including: providing a discount program viewer application via a first website on a first server to the customer viewing a product or a service at the first website to present the offer; formulating, at the first server, a customer identifier uniquely identifying the customer and updating the discount program database with the customer identifier; generating a customer data record in the discount program database and associating the customer data record with the customer identifier; receiving existing purchase data identifying a purchase transaction made by the customer, wherein the purchase transaction includes a purchase amount; transmitting the customer account data, the customer identifier, and the existing purchase data to a discount program processing engine operating on a second server; monitoring, using at least one processor of the second server, the customer's purchase activity to identify new purchase activity for the customer; identifying new purchase activity for the customer and extracting data from the new purchase activity via the at least one processor of the second server to identify a new purchase amount and associating the extracted data including the new purchase amount with the customer identifier; transmitting the extracted data and associated customer identifier to the first server to calculate a total amount based on the purchase amount and the new purchase amount; determining an award to present as the offer to the customer based on the total amount; updating the customer data record in the discount program database with an alphanumeric coding comprising a first alphanumeric string indicating an award type corresponding to the award, and a second alphanumeric string indicating a value for the award; and presenting the award to the customer during the new purchase activity. ### Claim 12 (depends on 11) The system of claim 11, wherein the award is selected from the group consisting of a product, a service, a monetary award, and an account status level. ### Claim 13 (depends on 11) The system of claim 11, wherein determining the award to present to the customer is further based on at least one rule. ### Claim 14 (depends on 13) The system of claim 13, wherein extracting data from the new purchase activity further comprises: identifying a participating vendor in the new purchase activity; and wherein application of the one rule adjusts the total amount by a percentage based on the customer's spending activity with the participating vendor. ### Claim 15 (depends on 11) The system of claim 11, further comprising: verifying that the customer has authorized tracking of the customer's purchase activity; and upon verifying that the customer authorized tracking of the customer's purchase activity, formulating, at the first server, the customer identifier. ### Claim 16 (depends on 11) The system of claim 11, wherein the at least one computer processor is further configured to perform the step of: filtering the customer account data and the data representing the purchase at the discount processing engine to obtain credit card transaction data associated with the customer. ### Claim 17 (depends on 11) The system of claim 11, wherein the award is based on the total amount spent by the customer at a vendor over a predetermined amount of time. ### Claim 18 (depends on 11) The system of claim 11, wherein the award is based on a number of transactions performed by the customer at a vendor over a predetermined amount of time. ### Claim 19 (depends on 11) The system of claim 11, wherein the award is based on the total amount spent by the customer at a set of vendors over a predetermined amount of time. ### Claim 20 (depends on 11) The system of claim 11, wherein the at least one computer processor is further configured to perform the step of: calculating an amount equal to a pre-determined percentage of the total amount; and incrementing the value for the award by the calculated amount.