Systems and methods for connecting merchant loyalty programs with payment cards

A computer-based method for providing a loyalty identifier to a merchant using a payment network, said method implemented using a loyalty program (LP) computing device in communication with a memory and a payment network server of the payment network, said method comprising:

• storing, in the memory, a first link to a plurality of consumer profiles, each of the consumer profiles associated with a corresponding cardholder of a plurality of cardholders and including a biometric reference data associated with the corresponding cardholder;
• receiving, by the LP computing device from a client device, a registration request for a first cardholder of the plurality of cardholders, the registration request including a selection of a first of a plurality of loyalty programs and a loyalty identifier associated with the first cardholder and the first loyalty program, each of the plurality of loyalty programs associated with a corresponding merchant identifier of a plurality of merchant identifiers;
• storing, by the LP computing device, a second link between the loyalty identifier, the first loyalty program, and the corresponding consumer profile within the memory, wherein the first loyalty program includes a discount amount;
• receiving, by the LP computing device from the payment network server, a first authorization request message for a payment transaction initiated by the first cardholder using a payment card at an originating merchant, the first authorization request message including a biometric scan data of the first cardholder, a first payment amount, and a first merchant identifier of the plurality of merchant identifiers, the first merchant identifier corresponding to the originating merchant;
• querying, by the LP computing device, the memory to identify one of the plurality of consumer profiles having the biometric reference data matching the biometric scan data;
• querying, by the LP computing device, the identified consumer profile to determine the loyalty identifier associated with the first loyalty program, the first loyalty program associated with the first merchant identifier;
• calculating, by the LP computing device, a second payment amount based on the first payment amount and the discount amount;
• and
• transmitting, by the LP computing device, the second payment amount and the loyalty identifier to the payment network server.

A computing system for providing a loyalty identifier to a merchant using a payment network, said computing system comprising a loyalty program (LP) computing device and a payment network server, the LP computing device comprising one or more processors communicatively coupled to one or more memory devices, said computing system configured to:

• store, in one or more memory devices, a first link to a plurality of consumer profiles, each of the consumer profiles associated with a corresponding cardholder of a plurality of cardholders and including a biometric reference data associated with the corresponding cardholder;
• receive, from a client device, a registration request for a first cardholder of the plurality of cardholders, the registration request including a selection of a first of a plurality of loyalty programs and a loyalty identifier associated with the first cardholder and the first loyalty program, each of the plurality of loyalty programs associated with a corresponding merchant identifier of a plurality of merchant identifiers;
• store a second link between the loyalty identifier, the first loyalty program, and the corresponding consumer profile within the one or more memory devices, wherein the first loyalty program includes a discount amount;
• receive, from a payment network server, a first authorization request message for a payment transaction initiated by the first cardholder using a payment card at an originating merchant, the first authorization request message including a biometric scan data of the first cardholder, a first payment amount, and a first merchant identifier of the plurality of merchant identifiers, the first merchant identifier corresponding to the originating merchant;
• query the one or more memory devices to identify one of the plurality of consumer profiles having the biometric reference data matching the biometric scan data;
• query the identified consumer profile to determine the loyalty identifier associated with the first loyalty program, the first loyalty program associated with the first merchant identifier;
• calculate a second payment amount based on the first payment amount and the discount amount;
• and
• transmit the second payment amount and the loyalty identifier to the payment network server.

At least one non-transitory computer-readable storage medium having computer-executable instructions embodied thereon, wherein when executed by an LP computing device, the computer-executable instructions cause the LP computing device to:

• store, in one or more memory devices, a first link to a plurality of consumer profiles, each of the consumer profiles associated with a corresponding cardholder of a plurality of cardholders and including a biometric reference data associated with the corresponding cardholder;
• receive, from a client device, a registration request for a first cardholder of the plurality of cardholders, the registration request including a selection of a first of a plurality of loyalty programs and a loyalty identifier associated with the first cardholder and the first loyalty program, each of the plurality of loyalty programs associated with a corresponding merchant identifier of a plurality of merchant identifiers;
• store a second link between the loyalty identifier, the first loyalty program, and the corresponding consumer profile within the one or more memory devices, wherein the first loyalty program includes a discount amount;
• receive, from a payment network server, a first authorization request message for a payment transaction initiated by the first cardholder using a payment card at an originating merchant, the first authorization request message including a biometric scan data of the first cardholder, a first payment amount, and a first merchant identifier of the plurality of merchant identifiers, the first merchant identifier corresponding to the originating merchant;
• query the one or more memory devices to identify one of the plurality of consumer profiles having the biometric reference data matching the biometric scan data;
• query the identified consumer profile to determine the loyalty identifier associated with the first loyalty program, the first loyalty program associated with the first merchant identifier;
• calculate a second payment amount based on the first payment amount and the discount amount;
• and
• transmit the second payment amount and the loyalty identifier to the payment network server.