SYSTEMS AND METHODS FOR CONSUMER LOYALTY MANAGEMENT

摘要

Technologies for providing consumer loyalty to merchants are provided. Payment transactions are monitored based on communications received from point of sale systems of merchants. Based on loyalty-based rules for the merchant, the purchase transaction can be modified to provide a stored benefit to the consumer. Tracking loyalty-based activity based on payment transactions can reduce the necessity for consumer involvement or registration with a merchant's loyalty program while increasing a merchant's ability to provide the consumer in meaningful marketing engagements.

主权项

1. One or more machine-readable storage media comprising a plurality of instructions stored thereon that in response to being executed by a consumer loyalty server, cause the consumer loyalty server to:
receive a merchant rule for applying a stored benefit to a purchase transaction originating at the merchant; store the merchant rule and the stored benefit in one or more databases, subsequent storing the merchant rule and the stored benefit in the one or more databases, receive an authorization request from the merchant for a first transaction amount, wherein the authorization request is associated with a consumer; query the one or more databases to determine if the authorization request satisfies the merchant rule; when the authorization request satisfies the merchant rule, cause the application of the stored benefit to the authorization request and the transmission of an authorization request to an issuing processor for a second transaction amount; when the authorization request does not satisfy the merchant rule, cause the transmission of an authorization request to an issuing processor for the first transaction amount.