Loyalty program parameter collaboration

Patent metadata

Field	Value
Publication number	US-10037535-B2
Application number	US-84817907-A
Country	US
Kind code	B2
Filing date	Aug 30, 2007
Priority date	Aug 31, 2006
Publication date	Jul 31, 2018
Grant date	Jul 31, 2018

Abstract

Collaborative constituents collaborate to develop a loyalty program within a transaction processing system. Transmissions addressed to the collaborative constituents are formed and received from the collaborative constituents containing suggested parameters for the loyalty program. At least one remaining parameter for the loyalty program that a set of remaining collaborative constituents have agreed upon is determined. Another transmission addressed to each of the collaborative constituents in the set of remaining collaborative constituents is formed, the another transmission including the remaining parameters for the loyalty program.

First claim

What is claimed is:

1. A method, comprising:
providing a computing platform comprising:
an access services layer configured to provide communications among a plurality of computing devices of collaborative constituents,
a logic layer comprising a server and a database, the server configured by software logic to determine parameters for loyalty programs, and the database configured to store rules for loyalty programs, and
a data layer comprising data for transactions processed by a transaction handler;
receiving, prior to creation of a loyalty program, over a network, by the access services layer, an electronic communication from a computing device of one of the plurality of computing devices, the communication including a plurality of parameters for the loyalty program, the parameters received via a user interface of the computing device, the loyalty program to provide an incentive for at least one consumer, the plurality of collaborative constituents including a merchant to provide a good or service to the at least one consumer, and the plurality of collaborative constituents excluding the at least one consumer, and wherein the computing devices of the collaborative constituents are to collaboratively communicate over the network to create the loyalty program prior to contacting the at least one consumer regarding the loyalty program;
analyzing, by the logic layer, to confirm that each of the plurality of parameters is compliant with at least one predetermined loyalty program rule, the at least one rule including a rule regarding message formatting;
sending, by the computing platform, a first transmission including a first parameter of the plurality of parameters, wherein the first transmission is sent to a first computing device of the plurality of computing devices, and the first parameter is compliant with the at least one predetermined loyalty program rule, including the rule regarding message formatting;
providing, to at least one of the plurality of computing devices, access to transaction data of the data layer for the at least one consumer;
analyzing, by the computing platform, the transaction data using an algorithm, wherein an input of the algorithm is at least a portion of one of the plurality of parameters;
providing, by the access services layer, to at least one of the plurality of computing devices, an output from the algorithm that includes a quantitative trend within purchases of the at least one consumer;
determining, by the computing platform˜a second parameter of the plurality of parameters that has been agreed upon by a first remaining set of the plurality of collaborative constituents;
sending, by the computing platform, a second transmission including the second parameter, wherein the second transmission is sent to the computing devices of the collaborative constituents among the first remaining set;
determining, by the logic layer, based on the transaction data for a first consumer and at least one of the first parameter and the second parameter, that a transaction of the first consumer qualifies for a reward associated with the loyalty program; and
sending, by the computing platform, an electronic communication that causes display of a message on a computing device of the first consumer, the message comprising information regarding the reward, and the information based at least in part on at least one of the parameters of the plurality of parameters received via the user interface.

2. The method as defined in claim 1 , further comprising:
receiving, after the sending of the second transmission, a third transmission addressed from a computing device of a second constituent within the first remaining set, wherein the third transmission includes a request to alter the second parameter.

3. The method as defined in claim 2 , further comprising determining that each of the collaborative constituents in the first remaining set has agreed to the request to alter the second parameter.

4. The method as defined in claim 2 , further comprising:
in response to the request, determining an alteration for the second parameter that has been agreed upon by a second remaining set of the plurality of collaborative constituents; and
sending a fourth transmission including the alteration, wherein the fourth transmission is addressed to a computing device for each the collaborative constituents among the second remaining set.

5. The method as defined in claim 1 , further comprising, after the sending of the first transmission, sending a third transmission containing the output from the algorithm, wherein the third transmission is addressed to a computing device for at least one of the plurality of collaborative constituents.

6. The method as defined in claim 1 , further comprising, for each of a plurality of transactions in a transaction processing system, performing an activity selected from the group consisting of:
rewarding a holder of an account with a reward in accordance with the second parameter for the loyalty program, wherein the account is issued by an issuer;
calculating a value of a reward;
sending a third transmission having an address corresponding to a holder of an account and containing information about a reward for which the account holder is eligible;
sending a fourth transmission containing a calculated value of a reward;
receiving a fifth transmission containing a notice of a reward; and
combinations of the foregoing.

7. The method as defined in claim 1 , further comprising:
sending a third transmission, addressed to a computing device of a second consumer, containing information based in part on at least a portion of the second parameter; and
receiving a fourth transmission, from the second consumer, containing a request to become a holder of an account issued by an issuer of the plurality of collaborative constituents.

8. The method as defined in claim 1 , wherein the first transmission is addressed in accordance with a first workflow identifying a predefined order of delivery and corresponding to a plurality of addresses including an address for the first computing device.

9. The method as defined in claim 1 , wherein the determining the second parameter further comprises:
receiving a third transmission, addressed from the computing device of a second constituent of the plurality of collaborative constituents, including one or more parameters of the plurality of parameters and further including a respective corresponding position for each of the one or more parameters, each position selected from the group consisting of favor and disfavor; and
considering each of the one or more parameters for selection for the loyalty program based on its respective corresponding position, and compliance of the one or more parameters with the at least one predetermined loyalty program rule.

10. The method as defined in claim 9 , wherein the determining further comprises forming one or more additional transmissions each:
including the one or more parameters; and
being addressed in accordance with a workflow identifying a respective predefined order of delivery of the additional transmissions and respectively addressed to a plurality of addresses, each address being for a respective one of the plurality of computing devices.

11. The method as defined in claim 1 , wherein:
the merchant to provide the good or service is a first merchant;
the first remaining set includes a second merchant, an issuer, and at least one transaction handler; and
the second merchant is selected from the group consisting of a retailer, a distributor, a manufacturer, a service provider, a healthcare provider, and combinations of the foregoing.

12. The metho

Assignees

• Fordyce Iii Edward W
• Patel Karteek Hasmukh
• Suarez Sarah Pankratz
• Shepard David Chauncey
• Visa Usa Inc

Inventors

• Fordyce Iii Edward W
• Patel Karteek Hasmukh
• Suarez Sarah Pankratz
• Shepard David Chauncey

Classifications

• G06Q30/00 Primary

  Commerce · CPC title

• G06Q30/0226

  Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems · CPC title

• G06Q30/02

  Marketing; Price estimation or determination; Fundraising · CPC title