U.S. patent application number 13/715543 was filed with the patent office on 2014-06-19 for loyalty account identification.
This patent application is currently assigned to GOOGLE INC.. The applicant listed for this patent is GOOGLE INC.. Invention is credited to Mark William Andrews, Robin Dua, Richard Tsuwen Hung, Marcus Quintana Mitchell.
Application Number | 20140172533 13/715543 |
Document ID | / |
Family ID | 50932009 |
Filed Date | 2014-06-19 |
United States Patent
Application |
20140172533 |
Kind Code |
A1 |
Andrews; Mark William ; et
al. |
June 19, 2014 |
LOYALTY ACCOUNT IDENTIFICATION
Abstract
Using identifiers on user payment instruments to identify user
loyalty accounts comprises a method to store a loyalty account list
associated with a user, the loyalty account list comprising one or
more user loyalty accounts; associate an identifier with the
loyalty account list; receive information identifying a user
loyalty account associated with a merchant, the information
comprising an account number for the user loyalty account and an
identity of the merchant; associate the user loyalty account with
the loyalty account list; receive a request for information
identifying a user loyalty account associated with a merchant, the
request comprising the identifier received by the merchant from a
user payment instrument and an identity of the merchant; determine
the user loyalty account associated with the merchant; and provide
the information identifying a user loyalty account associated with
a merchant.
Inventors: |
Andrews; Mark William; (San
Francisco, CA) ; Hung; Richard Tsuwen; (Los Altos,
CA) ; Dua; Robin; (San Francisco, CA) ;
Mitchell; Marcus Quintana; (New York, NY) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
GOOGLE INC. |
Mountain View |
CA |
US |
|
|
Assignee: |
GOOGLE INC.
Mountain View
CA
|
Family ID: |
50932009 |
Appl. No.: |
13/715543 |
Filed: |
December 14, 2012 |
Current U.S.
Class: |
705/14.27 |
Current CPC
Class: |
G06Q 20/36 20130101;
G06Q 20/325 20130101; G06Q 30/0226 20130101; G06Q 30/0238 20130101;
G06Q 30/0229 20130101 |
Class at
Publication: |
705/14.27 |
International
Class: |
G06Q 30/02 20120101
G06Q030/02 |
Claims
1. A computer-implemented method to use identifiers on user payment
instruments to identify user loyalty accounts, comprising: storing,
using one or more computing devices, a loyalty account list
associated with a user, the loyalty account list comprising one or
more user loyalty accounts; associating, using the one or more
computing devices, a list identifier with the loyalty account list;
encoding the list identifier on a data field of a single magnetic
stripe of a magnetic stripe card associated with a payment account
of the user, the magnetic stripe comprising the list identifier and
separate payment account information for conducting a payment
transaction using the payment account, and the list identifier
being encoded in a discretionary data field of the magnetic stripe;
receiving, using the one or more computing devices and from a
merchant computing device associated with a merchant, information
identifying a user loyalty account number for a user loyalty
account associated with a merchant, the list identifier for the
loyalty account list, and an identity of the merchant, the list
identifier being obtained by the merchant from the magnetic stripe
card utilized by the user to conduct payment transactions with the
merchant; associating, using the one or more computing devices, the
user loyalty account number for the user loyalty account associated
with the merchant with the loyalty account list based at least in
part on the list identifier received with the user loyalty account
number; receiving, using the one or more computing devices and from
the merchant computing device, a request for information
identifying the user loyalty account associated with the merchant,
the request comprising the identity of the merchant and the list
identifier for the loyalty account list, the list identifier being
obtained by the merchant from the magnetic stripe card utilized by
the user to conduct a payment transaction with the merchant;
determining, using the one or more computing devices, the user
loyalty account associated with the merchant in the loyalty account
list based at least in part on the identity of the merchant and the
list identifier obtained by the merchant from the magnetic stripe
card utilized by the user to conduct the payment transaction with
the merchant; and providing, using the one or more computing
devices, the requested information identifying the user loyalty
account associated with the merchant, the provided information
comprising the loyalty account number for the user loyalty account
associated with the merchant in the loyalty account list.
2. The computer-implemented method of claim 1, wherein the list
identifier comprises an identification of a digital wallet
associated with the user.
3. The computer-implemented method of claim 1, wherein the request
is received at the time of a transaction.
4. (canceled)
5. (canceled)
6. The computer-implemented method of claim 1, wherein the record
identifier is provided to the merchant via a wireless connection
with a user computing device.
7. (canceled)
8. The computer-implemented method of claim 1, wherein the merchant
further receives instructions from the user payment instrument for
accessing the loyalty account list on the loyalty system.
9. A payment instrument, comprising: a rigid structure; and a
machine-readable portion affixed to the rigid structure, the
machine-readable portion comprising payment information for a
payment account and a loyalty account list identifier having
associated therewith in a computing system a plurality of loyalty
accounts that are each associated with a respective one of a
plurality of merchants.
10. The computer-implemented method of claim 9, wherein
machine-readable portion comprises a barcode, a QR code, and an
RFID tag.
11. The computer-implemented method of claim 9, wherein the
machine-readable portion is a magnetic stripe, and wherein the
payment information and the loyalty account list identifier are
encoded in a data field of the magnetic stripe.
12. The payment instrument card of claim 9, the machine-readable
portion further comprising instructions regarding a location of the
computing system managing the loyalty account list.
13. A system to transmit category codes to use identifiers on user
payment instruments to identify user loyalty accounts, the system
comprising: a storage resource; a network module; and a processor
communicatively coupled to the storage resource and the network
module, wherein the processor executes application code
instructions that are stored in the storage resource and that cause
the system to: store a loyalty account record associated with a
user, the loyalty account list comprising one or more user loyalty
accounts; associate an identifier with the loyalty account record;
encoding the list identifier on a data field of a magnetic stripe
of a magnetic stripe card associated with a payment account of the
user, the magnetic stripe comprising the record identifier and
separate payment account information for conducting a payment
transaction using the payment account; receive information
identifying a user loyalty account number for a user loyalty
account associated with a merchant, the record identifier for the
loyalty account record, and an identity of the merchant; associate
the user loyalty account with the loyalty account record; receive a
request for information identifying the user loyalty account
associated with the merchant, the request comprising the record
identifier for the loyalty account record obtained by the merchant
and an identity of the merchant, the record identifier for the user
loyalty record being obtained by the merchant from the magnetic
stripe card utilized by the user to conduct the transaction with
the merchant; determine the user loyalty account associated with
the merchant in the loyalty account record based at least in part
on the identity of the merchant and the record identifier obtained
by the merchant from the magnetic stripe card utilized by the user
to conduct the transaction with the merchant; and provide the
requested information identifying the user loyalty account
associated with a merchant, the provided information comprising the
loyalty account number for the user loyalty account associated with
the merchant in the loyalty account record.
14. The system of claim 13, wherein the record identifier comprises
an identification of a digital wallet associated with the user.
15. The system of claim 13, wherein the request is received at the
time of a transaction.
16. (canceled)
17. (canceled)
18. The system of claim 13, wherein the record identifier is
provided to the merchant via a wireless connection with a user
computing device.
19. (canceled)
20. The system of claim 13, wherein the merchant further receives
instructions from the user payment instrument for accessing the
loyalty account record on the loyalty system.
21. A computer program product, comprising: a non-transitory
computer-readable storage device having computer-executable program
instructions embodied thereon that when executed by a computer
cause the computer to use identifiers on user payment instruments
to identify user loyalty accounts, the computer-executable program
instructions comprising: computer-executable program instructions
to store a loyalty account list associated with a user, the loyalty
account list comprising one or more user loyalty accounts;
computer-executable program instructions to associate a list
identifier with the loyalty account list; computer-executable
program instructions to encode the list identifier on a data field
of a single magnetic stripe of a magnetic stripe card associated
with a payment account of the user, the magnetic stripe comprising
the list identifier and separate payment account information for
conducting a payment transaction using the payment account;
computer-executable program instructions to receive information
identifying a user loyalty account number for a user loyalty
account associated with a merchant, the list identifier for the
loyalty account list and an identity of the merchant;
computer-executable program instructions to associate the user
loyalty account number for the user loyalty account associated with
the merchant with the loyalty account list based at least in part
on the list identifier received with the user loyalty account
number; computer-executable program instructions to receive a
request for information identifying the user loyalty account
associated with the merchant, the request comprising identity of
the merchant and the list identifier for the loyalty account list,
the list identifier being obtained by the merchant from the
magnetic stripe card utilized by the user to conduct a payment
transaction with the merchant; and computer-executable program
instructions to provide the loyalty account list to the merchant to
allow the merchant to identify the user loyalty account associated
with the merchant from the loyalty account list.
22. The computer program product of claim 21, wherein the list
identifier comprises an identification of a digital wallet
associated with the user.
23. The computer program product of claim 21, wherein the request
is received at the time of a transaction.
24. (canceled)
25. The computer-implemented method of claim 1, further comprising
providing, using the one or more computing devices, the loyalty
account list to the merchant to allow the merchant to identify the
user loyalty account associated with the merchant.
26. The system of claim 13, further comprising instructions to
provide the loyalty account record to the merchant to allow the
merchant to identify the user loyalty account associated with the
merchant.
27. The computer program product of claim 21, further comprising
computer-executable program instructions to encode the list
identifier on a data field of a magnetic stripe of a magnetic
stripe card associated with a payment account of the user, the
magnetic stripe comprising the list identifier and separate payment
account information for conducting a payment transaction using the
payment account.
28. The computer program product of claim 27, the list identifier
being obtained by the merchant from the magnetic stripe card
utilized by the user to conduct payment transactions with the
merchant.
Description
TECHNICAL FIELD
[0001] The present disclosure relates generally to loyalty systems,
and more particularly to using an identifier on a user payment
instrument to identify a user loyalty account.
BACKGROUND
[0002] In conventional merchant-consumer relationships, users must
maintain loyalty account identification cards to access a loyalty
account. The user presents a loyalty card or other loyalty
identifier to the merchant at a point of sale terminal. The
merchant can access the loyalty account of the user and apply the
transaction details to the loyalty account. For example, the
merchant system can record the value of the transaction and apply
the appropriate number of reward points to the loyalty account. In
another example, the merchant system can identify a particular
product and note that the product has been purchased, as in a "buy
4, get 1 free" promotion. In another example, the loyalty account
can register a visit of the user, such as at a fitness club or a
religious organization. Any other loyalty account can utilize a
loyalty card or other identifier.
[0003] The different merchants frequented by a user may each
require a different loyalty account identification card. Thus, a
user may be required to maintain 10 or 20 different cards to obtain
loyalty reward points at each of the many associated merchants. A
loyalty account user in conventional loyalty programs is unable to
use a payment instrument card or user device to allow the merchant
to access one or more of the multiple loyalty accounts of the
user.
SUMMARY
[0004] One aspect of the example embodiments described herein
provides a computer-implemented method to use identifiers on user
payment instruments to identify user loyalty accounts. A payment
system employs a server configured to store, using one or more
computing devices, a loyalty account list associated with a user,
the loyalty account list comprising one or more user loyalty
accounts; associate an identifier with the loyalty account list;
receive information identifying a user loyalty account associated
with a merchant, the information comprising an account number for
the user loyalty account and an identity of the merchant; associate
the user loyalty account with the loyalty account list; receive a
request for information identifying a user loyalty account
associated with a merchant, the request comprising the identifier
received by the merchant from a user payment instrument and an
identity of the merchant; determine the user loyalty account
associated with the merchant based at least in part on the
identifier received by the merchant from the user payment
instrument and the identity of the merchant; and provide the
information identifying a user loyalty account associated with a
merchant.
[0005] Another aspect of the example embodiments described herein
provides a payment instrument, comprising a rigid structure and a
machine-readable portion affixed to the rigid structure, the
machine-readable portion comprising payment information for a
payment account and a loyalty account list identifier having
associated therewith in a computing system a plurality of loyalty
accounts that are each associated with a respective one of a
plurality of merchants.
[0006] These and other aspects, objects, features and advantages of
the example embodiments will become apparent to those having
ordinary skill in the art upon consideration of the following
detailed description of illustrated example embodiments, which
include the best mode of carrying out the invention as presently
presented.
BRIEF DESCRIPTION OF THE DRAWINGS
[0007] FIG. 1 is a block diagram depicting a system for using an
identifier on a user payment instrument to identify a user loyalty
account, in accordance with certain example embodiments.
[0008] FIG. 2 is a block flow diagram depicting a method to
configure a loyalty account list on a loyalty system, in accordance
with certain example embodiments.
[0009] FIG. 3 is a block flow diagram depicting a method for using
an identifier on a user payment instrument to identify a user
loyalty account, in accordance with certain example
embodiments.
[0010] FIG. 4 is a block flow diagram depicting a computing machine
and a module, in accordance with certain example embodiments.
DETAILED DESCRIPTION OF THE EXAMPLE EMBODIMENTS
Overview
[0011] In an example embodiment, a payment instrument contains an
identifier of a user loyalty account list on a loyalty system. The
payment instrument can be a credit card, debit card, proxy card,
stored value card, peer-to-peer payment card, or any suitable
physical card or payment instrument. Additionally or alternatively,
the payment instrument can be a digital wallet or other payment
instrument on a user computing device such as a mobile phone.
Additionally or alternatively, the payment instrument can be any
other type of wireless payment instrument, such as an RFID device.
Additionally or alternatively, the payment instrument can be a
digital wallet or other payment instrument on a user computing
device such as a desktop computer for conducting online
transactions.
[0012] The identifier can be an identification number generated by
the loyalty system or the user, or any other alpha-numeric code.
The identifier can alternatively be embodied as a digital wallet
identification. That is, the identifier can be a code that is
associated with a user digital wallet account. Alternatively, the
identifier can be any other number or word associated with the
user, such as a driver's license number, or a randomly generated
number or word. The user may have the option of selecting a desired
identifier and may control information in the identifier that may
be provided to a merchant.
[0013] The identifier can be embodied as a bar code that is printed
or otherwise affixed to a payment instrument. For example, a
payment instrument, such as a credit card, can have a bar code, QR
code, or other identifier disposed thereon and capable of being
scanned or otherwise read by a point of sale ("POS") terminal or
other scanner. In certain embodiments, this identifier can be
printed directly on the payment instrument or attached to the
payment instrument using an adhesive.
[0014] Additionally or alternatively, the identifier can be encoded
on the magnetic stripe on a payment card. For example, a data field
on the magnetic stripe can contain the identifier and be read by
the POS terminal when the payment card is swiped to provide the
payment information from the payment card and the identifier to the
POS terminal.
[0015] Additionally or alternatively, the identifier can be encoded
on the secure element of a user computing device, such as a
smartphone. The identifier can be transmitted as part of the
information transmitted when the user "taps" or otherwise initiates
a purchase transaction with the user computing device. The
identifier can be transmitted as part of the payment information
transmitted by the user computing device or as a separate
transmission at or near the time of the transaction.
[0016] Additionally or alternatively, the identifier can be encoded
into an RFID payment device or other payment instrument that can be
swiped, tapped, or otherwise read at a POS terminal. Any other
suitable manner of transmitting the identifier to the merchant can
be employed. In certain embodiments, the RFID payment device can
comprise payment information and the identifier that are
communicated to the POS terminal when paying for a transaction. In
certain other embodiments, an RFID label comprising the identifier
can be affixed to an RFID payment device or other payment
instrument via an adhesive, such as a payment card. In this case,
the payment information and the identifier can be communicated to
the POS terminal separately, although either substantially
simultaneously or sequentially.
[0017] After receiving the identifier from the user, the merchant
system recognizes the loyalty account list identifier and the
loyalty system that contains the loyalty account list of the user.
The merchant system queries the loyalty system for the user loyalty
account that is associated with the merchant. The merchant system
and the loyalty system can communicate via the Internet over the
network, via email, via text, or any suitable communication
technology. Additionally or alternatively, the identifier or other
associated data can include instructions for locating the loyalty
system and using the loyalty account list to identify a user
loyalty account.
[0018] The loyalty system receives the request from the merchant
system and accesses the loyalty account list associated with the
user identifier. The loyalty system identifies from the user's
loyalty account list the loyalty account of the user that is
associated with the merchant system. The loyalty system provides
the identified loyalty account number and any suitable details of
the user loyalty account to the merchant system. Alternatively, the
merchant system can access the loyalty list and select the
appropriate loyalty account from the loyalty list.
[0019] The merchant system can use the loyalty account details of
the user to access the loyalty account of the user on the merchant
system. The merchant system can maintain the user loyalty account
on a server at the merchant system location, on a remote server, on
the POS terminal, or in any other suitable location. The merchant
system can update the user loyalty account with the details of the
current transaction.
Example System Architectures
[0020] Turning now to the drawings, in which like numerals
represent like (but not necessarily identical) elements throughout
the figures, example embodiments are described in detail.
[0021] FIG. 1 is a block diagram depicting a system for using an
identifier on a user payment instrument to identify a user loyalty
account, in accordance with certain example embodiments. As
depicted in FIG. 1, the system 100 includes network devices 110,
120, 130, and 140 that are configured to communicate with one
another via one or more networks 105.
[0022] Each network 105 includes a wired or wireless
telecommunication means by which network devices (including devices
110, 120, 130, and 140) can exchange data. For example, each
network 105 can include a local area network ("LAN"), a wide area
network ("WAN"), an intranet, an Internet, a mobile telephone
network, or any combination thereof. Throughout the discussion of
example embodiments, it should be understood that the terms "data"
and "information" are used interchangeably herein to refer to text,
images, audio, video, or any other form of information that can
exist in a computer-based environment.
[0023] Each network device 110, 120, 130, and 140 includes a device
having a communication module capable of transmitting and receiving
data over the network 105. For example, each network device 110,
120, 130, and 140 can include a server, desktop computer, laptop
computer, tablet computer, a television with one or more processors
embedded therein and/or coupled thereto, smart phone, handheld
computer, personal digital assistant ("PDA"), or any other wired or
wireless, processor-driven device. In the example embodiment
depicted in FIG. 1, the network devices 110, 120, 130, and 140 are
operated by end-users or consumers, payment processing system
operators, merchant operators, and loyalty system operators,
respectively.
[0024] The user 101 can use the communication application 112, such
as a web browser application or a stand-alone application, to view,
download, upload, or otherwise access documents or web pages via a
distributed network 105. The network 105 includes a wired or
wireless telecommunication system or device by which network
devices (including devices 110, 120, 130, and 140) can exchange
data. For example, the network 105 can include a local area network
("LAN"), a wide area network ("WAN"), an intranet, an Internet,
storage area network (SAN), personal area network (PAN), a
metropolitan area network (MAN), a wireless local area network
(WLAN), a virtual private network (VPN), a cellular or other mobile
communication network, Bluetooth, NFC, or any combination thereof
or any other appropriate architecture or system that facilitates
the communication of signals, data, and/or messages.
[0025] The communication application 112 can interact with web
servers or other computing devices connected to the network 105,
including the point of sale terminal 134 of the merchant system
130, the merchant server 135 of the merchant system 130, and the
web server 141 of the loyalty system 140.
[0026] The user network device 110 may include a digital wallet
application module 111. The digital wallet application module 111
may encompass any application, hardware, software, or process the
user device 110 may employ to assist the user 101 in completing a
purchase. The digital wallet application module 111 can interact
with the communication application 112 or can be embodied as a
companion application of the communication application 112. As a
companion application, the digital wallet application module 111
executes within the communication application 112. That is, the
digital wallet application module 111 may be an application program
embedded in the communication application 112.
[0027] The user device 110 also includes a data storage unit 113
accessible by the digital wallet application module 111 and the
communication application 112. The example data storage unit 113
can include one or more tangible computer-readable storage devices.
The data storage unit 113 can be stored on the user device 110 or
can be logically coupled to the user device 110. For example, the
data storage unit 113 can include on-board flash memory and/or one
or more removable memory cards or removable flash memory.
[0028] The loyalty system 140 includes a data storage unit 147
accessible by the web server 141. The example data storage unit 147
can include one or more tangible computer-readable storage
devices.
[0029] The user 101 can use a web server 141 on the loyalty system
140 to view, register, download, upload, or otherwise access the
loyalty system 140 via a website (not illustrated) and a
communication network 105. The user 101 associates one or more
registered loyalty accounts with a loyalty account list 142 of the
user 101. The loyalty system 140 can maintain the account list 142
and provide loyalty account information from the account list 142
to merchant systems 130 and authorized requesters. Each loyalty
account 132 can be an account associated with a reward program, a
frequent shopper program, a sales promotion program, or any
suitable loyalty program that provides an incentive to a user 101
to patronize a merchant system 130. The user's 101 registration
information and account list 142 is saved in the loyalty system's
140 data storage unit 147 and is accessible the by web server
141.
[0030] The user 101 can utilize a payment instrument card 102 to
conduct a financial transaction. The payment instrument card 102
can be traditional credit card or other payment card. The
traditional payment instrument card 102 can be embodied as a
plastic card with a magnetic stripe containing the account
information. The payment instrument card 102 can be embodied as any
other type of card that can be used to initiate and conduct a
transaction. For example, the payment instrument card 102 can be a
card or other device with an RFID chip for conducting transactions,
a card with a barcode or other machine-readable code, or any
suitable type of physical payment instrument card 102.
[0031] The merchant system 130 may use a web server 135 to view,
download, upload, create offers, sell products online, provide
rewards, monitor loyalty accounts, or otherwise access the loyalty
system 140 via a website 136 and a communication network 105. The
merchant system 130 represents an entity that offers products for
the user 101 to purchase or use. The merchant system 130 includes a
point of sale ("POS") terminal 134. The POS terminal 134 may be
operated by a salesperson that enters the purchase data into the
POS terminal 134 to complete the purchase transaction. The merchant
system 130 may be a physical location or an online merchant.
[0032] The merchant system 130 can maintain the user loyalty
account 132 on the merchant server 135, on the POS terminal 134, a
remote server, or a third party server. Alternatively, the loyalty
account 132 may be maintained by a merchant system operator, such
as a written system or a "punch" system.
[0033] The user 101 may request a purchase from the merchant system
130. In an example embodiment, the purchase is initiated by a
wireless "tap" of the mobile device 110 with the POS terminal 134.
In an alternative example embodiment, the purchase is initiated
when the user 101 enters an account identification number at the
POS terminal 134 or in the mobile device 110. In another
alternative example embodiment, the purchase is initiated online
with the merchant server 135. The purchase may be initiated via the
merchant website 136. In yet another alternative example
embodiment, the purchase is initiated by a magnetic stripe card 102
or other physical card. In yet another alternative example
embodiment, the purchase is initiated by use of a
permanent/temporary virtual/physical token, QR code, bar code, or
other suitable machine-readable medium captured by a terminal
reader or POS terminal 134. The merchant's POS terminal 134
interacts with an acquirer (for example Chase PaymentTech, or other
third party payment processing companies), the card network (for
example VISA, MasterCard, American Express, Discover or other card
processing networks), the payment processing system 120, and the
issuer (for example Citibank, CapitalOne, Bank of America, and
other financial institutions to authorize payment).
[0034] The payment processing system 120 is used by the payment
instrument 105 of the user 101 to conduct a financial transaction.
The user 101 can use a web server 121 on the payment processing
system 120 to view, register, download, upload, or otherwise access
the payment processing system 120 via a website (not illustrated)
and a communication network 105). The user 101 can configure one or
more registered financial card accounts, including bank account
debit cards, credit cards, gift cards, loyalty cards, coupons,
offers, prepaid offers, store rewards cards, or other type of
financial account that can be used to make a purchase or redeem
value-added services with a payment account of the user 101. The
payment processing system 120 also may function as the issuer for
the associated financial account. The user's 101 registration
information is saved in the payment processing system's 120 data
storage unit and is accessible the by web server 121.
Example Processes
[0035] The components of the example operating environment 100 are
described hereinafter with reference to the example methods
illustrated in FIG. 2.
[0036] FIG. 2 is a block flow diagram depicting a method 200 to
configure a loyalty account list 142 on a loyalty system 140, in
accordance with certain example embodiments.
[0037] With reference to FIGS. 1 and 2, in block 205, a merchant
system 130 registers with a loyalty system 140. The merchant system
130 can allow users 101 to maintain loyalty account identification
on the loyalty system 140 instead of, or in addition to, a physical
loyalty card or other loyalty program identification device. The
loyalty system 140 may be a function of a payment processing
system. Alternatively, the loyalty system 140 may be a function of
the payment processing system, the merchant system 130, or any
other suitable system. Alternatively, the loyalty system 140 may be
an independent system that is not affiliated with a payment
processing system, a payment instrument system, or any other system
in the transaction processing stream.
[0038] In an alternative embodiment, the merchant system 130 is not
registered with the loyalty system 140. The merchant system 130 can
be given instructions by the loyalty system identifier to access
the loyalty account list 142 on the loyalty system 140. For
example, the digital wallet application module 111 on a user device
110 can transmit instructions to a merchant system 120 for
accessing the loyalty account list 142.
[0039] In block 210, the user 101 establishes a loyalty account
list 142 on a loyalty system 140. The user 101 can access the
loyalty system 140 on a website on the loyalty system web server
141 and configure an account list 142. The user 101 also may create
or update a user loyalty account 132 on a loyalty application (not
shown) on the user device 110 or on a digital wallet application
module 111 on the user device 110.
[0040] In block 215, the user 101 and/or the loyalty system 140 can
associate an identifier with the loyalty account list 142. The
identifier can be an identification number generated by the loyalty
system 140 or the user 101, or any other alpha-numeric code. The
identifier can alternatively be embodied as an identification
number stored on the digital wallet application module 111 and
other digital wallet account applications. That is, the identifier
can be a code, username, phone number, or other suitable identifier
that is associated with a user digital wallet account. The ID can
be the identifier that the payment processing system 120 uses to
identify the digital wallet account. Alternatively, the identifier
can be any other number associated with the user 101, such as a
driver's license number, or a randomly generated number or
word.
[0041] In block 220, the user 101 establishes a user loyalty
account 132 on the merchant system 130. The user 101 can register
for a user loyalty account 132 for the merchant system 130 by
completing an application at the location of the merchant system
130, at an online location of the merchant system 130, on a loyalty
application on a user device 110, at any other suitable location,
or via any suitable method. The user 101 can be registered
automatically by the merchant system 130 by purchasing a product,
requesting information from the merchant system 130, or by
performing any qualifying action. The user 101 can be registered
automatically by the merchant system 130 without performing any
action. Any other suitable method for registering for a user
loyalty account 132 can be employed.
[0042] The merchant system 130 can issue a physical loyalty card,
assign a loyalty account number, provide a loyalty application, or
provide any suitable user loyalty account 132 representation.
[0043] In block 225, the user loyalty account 132 is associated
with the loyalty account list 142 of the user 101 on the loyalty
system 140. In the example embodiment, the user 101 can add the
user loyalty account 132 to the loyalty account list 142 and
discard any loyalty card or other identifier provided by the
merchant system 130.
[0044] The user loyalty account 132 can be added to the loyalty
account list 142 via a website on the loyalty system web server
141, via a loyalty application (not shown) on the user device 110
or on a digital wallet application module 111 on the user device
110, or via any other suitable user interface system. The user 101
can add accounts, delete accounts, or in any suitable manner modify
accounts. When adding a user loyalty account 132, the user 101 can
provide a merchant system 130 name, location, contact information,
or any other suitable merchant system 130 data. The user 101 can
provide the loyalty account name, number, or other identifying
information. The user 110 can provide any suitable rules or other
data required for accumulating, redeeming, maintaining, or
otherwise utilizing loyalty points are rewards. Any other suitable
information can by added to the loyalty account list 142.
[0045] The user 101 can add more loyalty accounts to the loyalty
account list 142 at the time of configuring the account list 142 or
at any time in the future. The user 101 may maintain the list with
any number of loyalty accounts 132 associated with any number of
merchant systems 130 that the loyalty system 140 will allow. The
number of accounts may be limited by the storage capacity of the
server 141 or any other practical limits determined by the loyalty
system 140.
[0046] From block 225, the method 200 ends.
[0047] FIG. 3 is a block flow diagram depicting a method 300 for
using an identifier on a user payment instrument to identify a user
loyalty account 132, in accordance with certain example
embodiments.
[0048] In block 305, the loyalty account list identifier is
provided to the user 101 and is associated with a payment
instrument. For example, the identifier can be a bar code, QR code,
or other identifier capable of being scanned by a point of sale
("POS") terminal or other scanner. The identifier can be affixed to
a payment instrument card 102 such as a credit card or a debit
card. The identifier can be a sticker affixed to the payment
instrument, a decal printed on the payment instrument, or any other
physical representation of the identifier affixed to the payment
instrument.
[0049] The identifier can additionally or alternatively be encoded
on the magnetic stripe on a payment instrument card 102. For
example, a data field on the magnetic stripe can contain the
identifier and be read by the POS terminal 134 when the payment
instrument card 102 is swiped. Additionally or alternatively, the
identifier can be encoded on the secure element of a user device
110 such as a smartphone. The identifier can be encoded into an
RFID device or other payment instrument that can be swiped or
tapped at a POS terminal 134. Any other suitable manner of
transmitting the identifier to the merchant system 130 can be
employed.
[0050] In block 310, a user 101 initiates a purchase at a location
of a merchant system 130. The merchant system 130 can be at a
physical merchant location or an online merchant location. The user
101 can select one or more products for purchase and initiate a
transaction with the payment instrument card 102. As previously
described, the initiation can be via a physical payment instrument,
contactless transaction with a user device 110, or an online
transaction.
[0051] In block 315, the identifier is provided to the merchant
system 130. The identifier can be transmitted as part of the
information transmitted when the user "taps" or otherwise initiates
a purchase transaction with the user device 110. The identifier can
be transmitted as part of the payment information transmitted by
the user device 110 or as a separate transmission at or near the
time of the transaction.
[0052] An identifier affixed to a payment instrument can be
recognized by a barcode reader, QR code scanner, or any other
suitable hardware or software of the merchant system 130. For
example, a barcode can be read by the barcode scanner associated
with a POS terminal 134 and transmitted to the merchant system
server 135 or the POS terminal 134.
[0053] An identifier encoded on a payment instrument, such as a
magnetic stripe payment instrument card 102 or RFID device, can be
detected by the POS terminal 134. For example, if a data field on a
magnetic stripe payment instrument card 102 contains the identifier
and any needed instructions for accessing the loyalty system 140,
the POS terminal 134 can recognize the identifier and instructions.
Any other suitable manner of transmitting the identifier to the
merchant can be employed.
[0054] The merchant system 130 can use the payment information
transmitted by the payment instrument card 102, the user device
110, or other device to conduct the payment transaction. For
example, the merchant system 130 can transmit a payment request to
the payment processing system 120. The merchant system 130 and the
payment processing system 120 can conduct the transaction via the
card network, as a peer-to-peer transaction, or via any suitable
manner. The transaction is a separate transaction from the
transmitting of the identifier for the loyalty account list 142.
The transmission of the identifier can be conducted at
substantially the same time as the payment transaction or at any
later time or earlier time. The loyalty system 140 and the payment
processing system 120 can be functions of the same system or
separate systems. In cases where the loyalty system 140 and the
payment processing system 120 are part of the same system, the
payment information and the loyalty account list identifier can be
transmitted together.
[0055] In block 320, the merchant system 130 provides the
identifier to the loyalty system 140. If the merchant system 130
has established rules for employing the loyalty system 140, then
the merchant system 130 can provide the identifier to the loyalty
system 140 and request the user loyalty account 132 data. The
merchant system 130 may have previously received instructions from
the loyalty system 140 for obtaining user loyalty account 132
information for a user 101. For example, the merchant system 130
may have previously employed the loyalty system 140, may use the
loyalty system 140 for other transaction functions, or may for any
reason have exchanged information with the loyalty system 140.
[0056] The merchant system 130 and the loyalty system 140 can
communicate via any communication technology available such as an
Internet connection over the network 105, via email, via text, or
via any other suitable technology.
[0057] If the merchant system 130 does not recognize the identifier
and the loyalty system 140 that is associated with the identifier,
then the identifier can provide instructions for contacting the
loyalty system 140 and receiving instructions for accessing the
loyalty account list 142. For example, the identifier on a user
device 110 that transmits the identifier wirelessly to a POS
terminal 134 can further provide instructions for the merchant
system 130 to communicate with the loyalty system 140. The
instructions can provide a website location, a set of directions,
or other information that can communicate the instructions for
accessing the loyalty system 140.
[0058] In another example, instructions can be printed with a
barcode, transmitted from an RFID device, encoded in a magnetic
stripe payment instrument card 102, or in any suitable manner
provided to the merchant system 130.
[0059] The merchant system 130 additionally can provide an
identification of the merchant system 130. The identification can
be any data or information that allows the loyalty system 140 to
identify the merchant for the purposes of determining the
appropriate loyalty account 132 from the loyalty account list 142.
For example, the merchant system 130 can provide a name, code,
username, password, phone number, or any other identification
information that will allow the loyalty system 140 to select the
appropriate loyalty account 132.
[0060] In block 325, the loyalty system 140 accesses the loyalty
account list 142 associated with the identifier and identifies the
user loyalty account 132 associated with the merchant system 130.
In an example embodiment, the loyalty system 140 can identify a
merchant system 130 requesting the user loyalty account information
and determine the appropriate user loyalty account 132 from the
account list 142. The loyalty system 140 then can provide the
loyalty account 132 to the merchant system 130. In another example
embodiment, the merchant system 130 can be provided with the
account list 142 and provided an opportunity to select the
appropriate user loyalty account 132 from the account list 142. Any
other manner of determining the appropriate user loyalty account
132 can be employed by the loyalty system 140 and/or the merchant
system 130.
[0061] In block 330, the loyalty system 140 transmits the user
loyalty account 132 information to the merchant system 130. After
identifying the appropriate user loyalty account 132, the loyalty
system 140 can provide the account number of the user loyalty
account 132 and any other suitable information to the merchant
system 130. The information can be transmitted to the merchant
system 130 or the merchant system 130 can be allowed to extract the
user loyalty account information.
[0062] In block 335, the merchant system 130 uses the user loyalty
account information to access the user loyalty account on the
merchant system 130. The merchant system 130 can record new
transaction information in the user loyalty account.
[0063] The user loyalty account 132 can be maintained by the
merchant system 130 on the merchant server 135. The merchant server
135 can a remote system or the server 135 can be located at the
location of the merchant system 130. Additionally or alternatively,
the user loyalty account 132 can be maintained by the POS terminal
134. Additionally or alternatively, the POS terminal 134 can be a
function of, or otherwise associated, with the merchant server 135.
The user loyalty account 132 additionally or alternatively, can be
maintained by a third party or other suitable party. Additionally
or alternatively, the user loyalty account 132 can be maintained in
a manner other than on a server. For example, the user loyalty
account 132 can be maintained by a written system at a merchant
system 130. The written system can be managed by an operator of the
merchant system 130.
[0064] The merchant system can update the user loyalty account 132
automatically or manually after accessing the user loyalty account
132. For example, if a qualifying purchase is made by the user 101,
the merchant system 132 can update the user loyalty account 132 by
providing the appropriate number of reward points or other loyalty
updates to the user loyalty account 132 on the merchant system 130.
In another example, an operator of the merchant system 130 can
input updated information into the user loyalty account 132 on the
merchant system 130.
[0065] From block 345, the method 300 ends.
Other Example Embodiments
[0066] FIG. 4 depicts a computing machine 2000 and a module 2050 in
accordance with certain example embodiments. The computing machine
2000 may correspond to any of the various computers, servers,
mobile devices, embedded systems, or computing systems presented
herein. The module 2050 may comprise one or more hardware or
software elements configured to facilitate the computing machine
2000 in performing the various methods and processing functions
presented herein. The computing machine 2000 may include various
internal or attached components such as a processor 2010, system
bus 2020, system memory 2030, storage media 2040, input/output
interface 2060, and a network interface 2070 for communicating with
a network 2080.
[0067] The computing machine 2000 may be implemented as a
conventional computer system, an embedded controller, a laptop, a
server, a mobile device, a smartphone, a set-top box, a kiosk, a
vehicular information system, one more processors associated with a
television, a customized machine, any other hardware platform, or
any combination or multiplicity thereof. The computing machine 2000
may be a distributed system configured to function using multiple
computing machines interconnected via a data network or bus
system.
[0068] The processor 2010 may be configured to execute code or
instructions to perform the operations and functionality described
herein, manage request flow and address mappings, and to perform
calculations and generate commands. The processor 2010 may be
configured to monitor and control the operation of the components
in the computing machine 2000. The processor 2010 may be a general
purpose processor, a processor core, a multiprocessor, a
reconfigurable processor, a microcontroller, a digital signal
processor ("DSP"), an application specific integrated circuit
("ASIC"), a graphics processing unit ("GPU"), a field programmable
gate array ("FPGA"), a programmable logic device ("PLD"), a
controller, a state machine, gated logic, discrete hardware
components, any other processing unit, or any combination or
multiplicity thereof. The processor 2010 may be a single processing
unit, multiple processing units, a single processing core, multiple
processing cores, special purpose processing cores, co-processors,
or any combination thereof. According to certain embodiments, the
processor 2010 along with other components of the computing machine
2000 may be a virtualized computing machine executing within one or
more other computing machines.
[0069] The system memory 2030 may include non-volatile memories
such as read-only memory ("ROM"), programmable read-only memory
("PROM"), erasable programmable read-only memory ("EPROM"), flash
memory, or any other device capable of storing program instructions
or data with or without applied power. The system memory 2030 may
also include volatile memories such as random access memory
("RAM"), static random access memory ("SRAM"), dynamic random
access memory ("DRAM"), synchronous dynamic random access memory
("SDRAM"). Other types of RAM also may be used to implement the
system memory 2030. The system memory 2030 may be implemented using
a single memory module or multiple memory modules. While the system
memory 2030 is depicted as being part of the computing machine
2000, one skilled in the art will recognize that the system memory
2030 may be separate from the computing machine 2000 without
departing from the scope of the subject technology. It should also
be appreciated that the system memory 2030 may include, or operate
in conjunction with, a non-volatile storage device such as the
storage media 2040.
[0070] The storage media 2040 may include a hard disk, a floppy
disk, a compact disc read only memory ("CD-ROM"), a digital
versatile disc ("DVD"), a Blu-ray disc, a magnetic tape, a flash
memory, other non-volatile memory device, a solid sate drive
("SSD"), any magnetic storage device, any optical storage device,
any electrical storage device, any semiconductor storage device,
any physical-based storage device, any other data storage device,
or any combination or multiplicity thereof. The storage media 2040
may store one or more operating systems, application programs and
program modules such as module 2050, data, or any other
information. The storage media 2040 may be part of, or connected
to, the computing machine 2000. The storage media 2040 may also be
part of one or more other computing machines that are in
communication with the computing machine 2000 such as servers,
database servers, cloud storage, network attached storage, and so
forth.
[0071] The module 2050 may comprise one or more hardware or
software elements configured to facilitate the computing machine
2000 with performing the various methods and processing functions
presented herein. The module 2050 may include one or more sequences
of instructions stored as software or firmware in association with
the system memory 2030, the storage media 2040, or both. The
storage media 2040 may therefore represent examples of machine or
computer readable media on which instructions or code may be stored
for execution by the processor 2010. Machine or computer readable
media may generally refer to any medium or media used to provide
instructions to the processor 2010. Such machine or computer
readable media associated with the module 2050 may comprise a
computer software product. It should be appreciated that a computer
software product comprising the module 2050 may also be associated
with one or more processes or methods for delivering the module
2050 to the computing machine 2000 via the network 2080, any
signal-bearing medium, or any other communication or delivery
technology. The module 2050 may also comprise hardware circuits or
information for configuring hardware circuits such as microcode or
configuration information for an FPGA or other PLD.
[0072] The input/output ("I/O") interface 2060 may be configured to
couple to one or more external devices, to receive data from the
one or more external devices, and to send data to the one or more
external devices. Such external devices along with the various
internal devices may also be known as peripheral devices. The I/O
interface 2060 may include both electrical and physical connections
for operably coupling the various peripheral devices to the
computing machine 2000 or the processor 2010. The I/O interface
2060 may be configured to communicate data, addresses, and control
signals between the peripheral devices, the computing machine 2000,
or the processor 2010. The I/O interface 2060 may be configured to
implement any standard interface, such as small computer system
interface ("SCSI"), serial-attached SCSI ("SAS"), fiber channel,
peripheral component interconnect ("PCI"), PCI express (PCIe),
serial bus, parallel bus, advanced technology attached ("ATA"),
serial ATA ("SATA"), universal serial bus ("USB"), Thunderbolt,
FireWire, various video buses, and the like. The I/O interface 2060
may be configured to implement only one interface or bus
technology. Alternatively, the I/O interface 2060 may be configured
to implement multiple interfaces or bus technologies. The I/O
interface 2060 may be configured as part of, all of, or to operate
in conjunction with, the system bus 2020. The I/O interface 2060
may include one or more buffers for buffering transmissions between
one or more external devices, internal devices, the computing
machine 2000, or the processor 2010.
[0073] The I/O interface 2060 may couple the computing machine 2000
to various input devices including mice, touch-screens, scanners,
biometric readers, electronic digitizers, sensors, receivers,
touchpads, trackballs, cameras, microphones, keyboards, any other
pointing devices, or any combinations thereof. The I/O interface
2060 may couple the computing machine 2000 to various output
devices including video displays, speakers, printers, projectors,
tactile feedback devices, automation control, robotic components,
actuators, motors, fans, solenoids, valves, pumps, transmitters,
signal emitters, lights, and so forth.
[0074] The computing machine 2000 may operate in a networked
environment using logical connections through the network interface
2070 to one or more other systems or computing machines across the
network 2080. The network 2080 may include wide area networks
(WAN), local area networks (LAN), intranets, the Internet, wireless
access networks, wired networks, mobile networks, telephone
networks, optical networks, or combinations thereof. The network
2080 may be packet switched, circuit switched, of any topology, and
may use any communication protocol. Communication links within the
network 2080 may involve various digital or an analog communication
media such as fiber optic cables, free-space optics, waveguides,
electrical conductors, wireless links, antennas, radio-frequency
communications, and so forth.
[0075] The processor 2010 may be connected to the other elements of
the computing machine 2000 or the various peripherals discussed
herein through the system bus 2020. It should be appreciated that
the system bus 2020 may be within the processor 2010, outside the
processor 2010, or both. According to some embodiments, any of the
processor 2010, the other elements of the computing machine 2000,
or the various peripherals discussed herein may be integrated into
a single device such as a system on chip ("SOC"), system on package
("SOP"), or ASIC device.
[0076] In situations in which the systems discussed here collect
personal information about users, or may make use of personal
information, the users may be provided with a opportunity to
control whether programs or features collect user information
(e.g., information about a user's social network, social actions or
activities, profession, a user's preferences, or a user's current
location), or to control whether and/or how to receive content from
the content server that may be more relevant to the user. In
addition, certain data may be treated in one or more ways before it
is stored or used, so that personally identifiable information is
removed. For example, a user's identity may be treated so that no
personally identifiable information can be determined for the user,
or a user's geographic location may be generalized where location
information is obtained (such as to a city, ZIP code, or state
level), so that a particular location of a user cannot be
determined. Thus, the user may have control over how information is
collected about the user and used by a content server.
[0077] Embodiments may comprise a computer program that embodies
the functions described and illustrated herein, wherein the
computer program is implemented in a computer system that comprises
instructions stored in a machine-readable medium and a processor
that executes the instructions. However, it should be apparent that
there could be many different ways of implementing embodiments in
computer programming, and the embodiments should not be construed
as limited to any one set of computer program instructions.
Further, a skilled programmer would be able to write such a
computer program to implement an embodiment of the disclosed
embodiments based on the appended flow charts and associated
description in the application text. Therefore, disclosure of a
particular set of program code instructions is not considered
necessary for an adequate understanding of how to make and use
embodiments. Further, those skilled in the art will appreciate that
one or more aspects of embodiments described herein may be
performed by hardware, software, or a combination thereof, as may
be embodied in one or more computing systems. Moreover, any
reference to an act being performed by a computer should not be
construed as being performed by a single computer as more than one
computer may perform the act.
[0078] The example embodiments described herein can be used with
computer hardware and software that perform the methods and
processing functions described previously. The systems, methods,
and procedures described herein can be embodied in a programmable
computer, computer-executable software, or digital circuitry. The
software can be stored on computer-readable media. For example,
computer-readable media can include a floppy disk, RAM, ROM, hard
disk, removable media, flash memory, memory stick, optical media,
magneto-optical media, CD-ROM, etc. Digital circuitry can include
integrated circuits, gate arrays, building block logic, field
programmable gate arrays (FPGA), etc.
[0079] The example systems, methods, and acts described in the
embodiments presented previously are illustrative, and, in
alternative embodiments, certain acts can be performed in a
different order, in parallel with one another, omitted entirely,
and/or combined between different example embodiments, and/or
certain additional acts can be performed, without departing from
the scope and spirit of various embodiments. Accordingly, such
alternative embodiments are included in the inventions described
herein.
[0080] Although specific embodiments have been described above in
detail, the description is merely for purposes of illustration. It
should be appreciated, therefore, that many aspects described above
are not intended as required or essential elements unless
explicitly stated otherwise. Modifications of, and equivalent
components or acts corresponding to, the disclosed aspects of the
example embodiments, in addition to those described above, can be
made by a person of ordinary skill in the art, having the benefit
of the present disclosure, without departing from the spirit and
scope of embodiments defined in the following claims, the scope of
which is to be accorded the broadest interpretation so as to
encompass such modifications and equivalent structures.
* * * * *