# US 8,788,329 B2 · System and apparatus for linking multiple rewards programs to promote the purchase of specific product mixes > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 8,788,329 B2 - Document ID: US8788329B2 - Status: Granted - Kind: B2 - Application number: 14/037,000 - Filed: 2013-09-25 - Published: 2014-01-23 - Granted: 2014-07-22 - Earliest claimed: 2003-09-30 - Assignees: Visa U.S.A. Inc. - Applicants: Visa U.S.A. Inc. - Inventors: Corinne Bortolin; Loc Nguyen - Web page: https://patentgrep.com/patent/US8788329B2 ## CPC - G06Q 30/0227: {Frequent usage incentive value reconciliation between diverse systems} - G06Q 30/02: Marketing; Price estimation or determination; Fundraising - G06Q 30/0226: Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems - G06Q 30/0235: constrained by time limit or expiration date - G06Q 90/00: Systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not involving significant data processing - 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 A method and system for linking multiple pre-existing reward programs is disclosed. The method includes receiving information about a first pre-existing reward program for a first product, where the first reward program provides for a first reward, and receiving information about a second pre-existing reward program for a second product, wherein the second reward program provides a second reward. A combination reward program is provided, and the combination reward program provides a combination reward that is greater than each of the first reward and the second reward. ## Claims ### Claim 1 A method comprising: interacting, using a portable consumer device associated with a consumer, with a first access device at a first merchant, wherein the first merchant provides a first reward to the consumer for purchasing a first product at the first merchant in accordance with a first reward program associated with the first merchant; and interacting, using the portable consumer device, with a second access device at a second merchant, wherein the second merchant provides a second reward to the consumer for purchasing a second product at the second merchant in accordance with a second reward program associated with the second merchant; wherein a combination reward is provided to the consumer in addition to the first reward and the second reward in response to the consumer purchasing the first product and the second product, the combination reward being provided in accordance with a combination reward program that is linked to the first reward program and the second reward program. ### Claim 2 (depends on 1) The method of claim 1, further comprising: storing, at the portable consumer device, purchase information associated with the purchase of the first product; and prior to the combination reward being provided, communicating, from the portable consumer device to the second access device, the purchase information associated with the purchase of the first product, wherein the combination reward is provided based at least in part on the purchase information associated with the purchase of the first product. ### Claim 3 (depends on 1) The method of claim 1, further comprising: determining, at the portable consumer device, the combination reward; and providing the combination reward from the portable consumer device to the consumer. ### Claim 4 (depends on 3) The method of claim 3, wherein determining, at the portable consumer device, the combination reward includes: acquiring, at the portable consumer device, information regarding purchase of an initial product by the consumer; acquiring, at the portable consumer device, information regarding purchase of a subsequent product by the consumer; determining, by the portable consumer device, whether the initial product is the first product; determining, by the portable consumer device, whether the subsequent product is the second product; and upon determining that the initial product is the first product and the subsequent product is the second product, determining and providing the combination reward to the consumer. ### Claim 5 (depends on 1) The method of claim 1, further comprising: determining, at the second access device, the combination reward; and providing the combination reward from the second access device to the consumer. ### Claim 6 (depends on 5) The method of claim 5, wherein determining, at the second access device, the combination reward includes: acquiring, at the second access device, information regarding purchase of an initial product by the consumer; acquiring, at the second access device, information regarding purchase of a subsequent product by the consumer; determining, by the second access device, whether the initial product is the first product; determining, by the second access device, whether the subsequent product is the second product; and upon determining that the initial product is the first product and the subsequent product is the second product, determining and providing the combination reward to the consumer. ### Claim 7 (depends on 1) The method of claim 1, further comprising: calculating, at the portable consumer device, accumulated rewards based at least in part on the first reward, the second reward, and the combination reward; and calculating, at the portable consumer device, award redemptions. ### Claim 8 A method comprising: receiving information at a computing device about a first reward program associated with a first merchant, wherein the first reward program provides for a first reward when a first product is purchased from the first merchant; receiving information at the computing device about a second reward program associated with a second merchant, wherein the second reward program provides a second reward when a second product different from the first product is purchased from the second merchant; and using the computing device, providing for a combination reward program that is linked to the first reward program and the second reward program and that provides a combination reward that is based on the purchase of at least the first product and the second product, wherein the combination reward is given to a consumer in addition to the first reward and the second reward if the consumer purchases the first product and the second product. ### Claim 9 (depends on 8) The method of claim 8, wherein the combination reward is given to the consumer in addition to the first reward and the second reward if the consumer purchases the first product and the second product provided by the same company, and the combination reward is reduced or voided if the consumer purchases a third product provided by a different company at the same time as purchasing either the first product or the second product. ### Claim 10 (depends on 8) The method of claim 8 further comprising: receiving information at the computing device about a third reward program associated with a third merchant, the third reward program providing for a third reward when a third product is purchased from the third merchant; wherein the combination reward program is also linked to the third reward program, the combination reward is also based on the purchase of the third product, and the combination reward is given to the consumer in addition to the first reward, the second reward, and the third reward if the consumer purchases the first product, the second product, and the third product. ### Claim 11 (depends on 10) The method of claim 10, wherein the combination reward is given to the consumer in addition to the first reward, the second reward, and the third reward if the consumer purchases the first product, the second product, and more than one of the third product. ### Claim 12 (depends on 10) The method of claim 10, wherein the combination reward is given to the consumer in addition to the first reward, the second reward, and the third reward if the consumer purchases the first product, more than one of the second product, and more than one of the third product. ### Claim 13 A computing device, comprising: a processor; and a memory having computer instructions stored therein that, when executed by the processor, cause the processor to perform operations including: receiving information about a first reward program associated with a first merchant, wherein the first reward program provides for a first reward when a first product is purchased from the first merchant; receiving information about a second reward program associated with a second merchant, wherein the second reward program provides a second reward when a second product different from the first product is purchased from the second merchant; and providing for a combination reward program that is linked to the first reward program and the second reward program and that provides a combination reward that is based on the purchase of at least the first product and the second product, wherein the combination reward is given to a consumer in addition to the first reward and the second reward if the consumer purchases the first product and the second product. ### Claim 14 (depends on 13) The computing device of claim 13, wherein the memory includes a product preference of the consumer and/or information about past purchases by the consumer, and the operations further include customizing future reward redemption and accumulation based on the product preference of the consumer and/or information about past purchases by the consumer. ### Claim 15 (depends on 13) The computing device of claim 13, wherein the computing device is a portable consumer device, a smart card, an access device, a point of sale device, a card acceptance device, a cellular phone, a personal digital assistant, a personal computer, a tablet personal computer, a handheld specialized reader, a set-top box, an electronic cash register, an automated teller machine, a virtual cash register, a kiosk, a security system, an access system, a credit card, a debit card, a keychain device, a pager, a payment card, a security card, an access cart, a smart media, a transponder, a server computer, a web server, or a host server computer hosted by a credit card processing company. ### Claim 16 (depends on 13) The computing device of claim 13, wherein the operations further include communicating parameters to access devices used by the first merchant and the second merchant to facilitate the sale of the first product and the second product, wherein the parameters enable the access devices to determine when rewards are accumulated or redeemed if a qualifying purchase transaction is conducted by the consumer. ### Claim 17 A tangible, non-transitory computer-readable storage medium having instructions stored thereon that, when executed by a computer processor, cause the computer processor to perform operations comprising: receiving information at a computing device about a first reward program associated with a first merchant, wherein the first reward program provides for a first reward when a first product is purchased from the first merchant; receiving information at the computing device about a second reward program associated with a second merchant, wherein the second reward program provides a second reward when a second product different from the first product is purchased from the second merchant; and using the computing device, providing for a combination reward program that is linked to the first reward program and the second reward program and that provides a combination reward that is based on the purchase of at least the first product and the second product, wherein the combination reward is given to a consumer in addition to the first reward and the second reward if the consumer purchases the first product and the second product. ### Claim 18 (depends on 17) The storage medium of claim 17, wherein the combination reward is in the form of a coupon, is an extension of time to receive at least one of the first reward and the second reward, gives the consumer access to a special program earlier than another consumer that has not purchased the first product and the second product, and/or is a reduction in the price of the second product. ### Claim 19 (depends on 17) The storage medium of claim 17, wherein the first and products are each a good or a service. ### Claim 20 (depends on 17) The storage medium of claim 17, wherein the operations further comprise: acquiring information regarding purchase of an initial product by a particular consumer; acquiring information regarding purchase of a subsequent product by the particular consumer; determining whether the initial product is the first product; determining whether the subsequent product is the second product; and upon determining that the initial product is the first product and the subsequent product is the second product, providing the combination reward to the particular consumer.