Rewards program

A method comprising:

• receiving transaction data indicative of a transaction;
• determining whether the transaction data is indicative of a transaction between a non-registered customer and a registered merchant based on a determination that the customer is not registered and that the merchant is the registered merchant;
• in an instance in which the determination is made that the transaction involves a non-registered customer, determining whether a credit card number matches at least one previously used credit card in a rewards database, and in an instance in which the credit card number does match a previously stored credit card, indicating that that the system has previously reviewed transaction data associated with the credit card number and has previously created a credit card profile from the credit card number, storing the transaction data with the previously created credit card profile, and in an instance in which the credit card number does not match at least one previously used credit card number, creating a credit card profile utilizing the first part of the transaction data, the credit card profile identifying the first part of the transaction data;
• storing the second part of the transaction data and a third part of the transaction indicative of the transaction amount with the new credit card profile correlating the transaction amount and the merchant with the non-registered customer;
• and
• storing the first part of the transaction data and the third part of the transaction data in the merchant profile correlating the transaction amount and the non-registered customer, via the new credit card profile, with the merchant;
• determining, by a processor, whether the transaction data corresponds to unique rewards account information stored in a memory;
• in an instance in which the transaction data does not correspond to unique rewards account information, receiving, via input at a point-of-sale device, a customer identifier;
• and in the instance of cash, associating the transaction data to the customer identifier and in the instance of a credit card, associating the transaction information with the credit card information and in an instance in which a credit card profile has been created, the credit card profile;
• in response to determining that the transaction data corresponds to unique rewards account information stored in the memory, crediting a rewards account associated in the memory with the unique rewards account information;
• and
• in an instance in which no unique rewards account information is identified, utilizing previously generated multi-dimensional matrices, that identify probabilities that particularly categorized customer profiles or credit card profiles would accept a particular offer, to provide a discount offering.

A computer program product comprising at least one non-transitory computer-readable storage medium having computer-executable program code instructions stored therein, the computer-executable program code instructions comprising program code instructions for:

• receiving transaction data indicative of a transaction;
• determining whether the transaction data is indicative of a transaction between a non-registered customer and a registered merchant based on a determination that the customer is not registered and that the merchant is the registered merchant;
• in an instance in which the determination is made that the transaction involves a non-registered customer, determining whether a credit card number matches at least one previously used credit card in a rewards database, and in an instance in which the credit card number does match a previously stored credit card, indicating that that the system has previously reviewed transaction data associated with the credit card number and has previously created a credit card profile from the credit card number, storing the transaction data with the previously created credit card profile, and in an instance in which the credit card number does not match at least one previously used credit card number, creating a credit card profile utilizing the first part of the transaction data, the credit card profile identifying the first part of the transaction data;
• storing the second part of the transaction data and a third part of the transaction indicative of the transaction amount with the new credit card profile correlating the transaction amount and the merchant with the non-registered customer;
• and
• storing the first part of the transaction data and the third part of the transaction data in the merchant profile correlating the transaction amount and the non-registered customer, via the new credit card profile, with the merchant;
• determining, by a processor, whether the transaction data corresponds to unique rewards account information stored in a memory;
• in an instance in which the transaction data does not correspond to unique rewards account information, receiving, via input at a point-of-sale device, a customer identifier;
• and in the instance of cash, associating the transaction data to the customer identifier and in the instance of a credit card, associating the transaction information with the credit card information and in an instance in which a credit card profile has been created, the credit card profile;
• in response to determining that the transaction data corresponds to unique rewards account information stored in the memory, crediting a rewards account associated in the memory with the unique rewards account information;
• and
• in an instance in which no unique rewards account information is identified, utilizing previously generated multi-dimensional matrices, that identify probabilities that particularly categorized customer profiles or credit card profiles would accept a particular offer, to provide a discount offering.

An apparatus comprising at least one processor and at least one memory including computer program code, the at least one memory and the computer program code configured to, with the processor, cause the apparatus to at least:

• receive transaction data indicative of a transaction;
• determine whether the transaction data is indicative of a transaction between a non-registered customer and a registered merchant based on a determination that the customer is not registered and that the merchant is the registered merchant;
• in an instance in which the determination is made that the transaction involves a non-registered customer, determine whether a credit card number matches at least one previously used credit card in a rewards database, and in an instance in which the credit card number does match a previously stored credit card, indicating that that the system has previously reviewed transaction data associated with the credit card number and has previously created a credit card profile from the credit card number, storing the transaction data with the previously created credit card profile, and in an instance in which the credit card number does not match at least one previously used credit card number, creating a credit card profile utilizing the first part of the transaction data, the credit card profile identifying the first part of the transaction data;
• store the second part of the transaction data and a third part of the transaction indicative of the transaction amount with the new credit card profile correlating the transaction amount and the merchant with the non-registered customer;
• and
• store the first part of the transaction data and the third part of the transaction data in the merchant profile correlating the transaction amount and the non-registered customer, via the new credit card profile, with the merchant;
• determine, by the processor, whether the transaction data corresponds to unique rewards account information stored in a memory;
• in an instance in which the transaction data does not correspond to unique rewards account information, receive, via input at a point-of-sale device, a customer identifier;
• and in the instance of cash, associating the transaction data to the customer identifier and in the instance of a credit card, associating the transaction information with the credit card information and in an instance in which a credit card profile has been created, the credit card profile;
• in response to determining that the transaction data corresponds to unique rewards account information stored in the memory, credit a rewards account associated in the memory with the unique rewards account information;
• and
• in an instance in which no unique rewards account information is identified, utilize previously generated multi-dimensional matrices, that identify probabilities that particularly categorized customer profiles or credit card profiles would accept a particular offer, to provide a discount offering.