System and method for administering a loyalty program and processing payments

摘要

The present invention is directed to a system and method for administration of a customer loyalty program at a point of sale terminal. The system, in one embodiment, contains a database of customer records for the loyalty program where each customer record contains information about a customer's payment device and information about a customer's mobile device. The system may locate a customer record in a database based on payment device or mobile device information captured at the point of sale terminal and apply any applicable loyalty program discounts. The system may then forward the payment device information to a third-party payment processor for payment processing. The system may print out a receipt at the point of sale terminal indicating any discounts and containing a promotional message. The system may also send a promotional message to the customer's mobile device using the mobile device information stored in the customer's record.

主权项

1. A method of providing payment card-linked offers based on a single loyalty program account of a user that is associated with a plurality of payment card numbers related to the user, the method being implemented by a computer having one or more physical processors programmed by one or more computer program instructions to perform the method, the method comprising:
storing, by the computer, an association of a single loyalty program account that is related to the user and a plurality of payment card numbers that are related to the user, wherein the plurality of payment card numbers comprise a first payment card number that identifies a first payment card account of the user and a second payment card number that identifies a second payment card account of the user; receiving, by the computer, the first payment card number in association with a first transaction; identifying, by the computer, the single loyalty program account based on the first payment card number; identifying, by the computer, a first reward based on the single loyalty program, wherein the first reward comprises a first discount off a first total amount associated with the first transaction; causing, by the computer, the first reward to be provided by deducting the first discount from the first total amount to generate an adjusted total amount and transmitting a payment request to a third party payment processor that includes the adjusted total amount; receiving, by the computer, the second payment card number in association with a second transaction different from the first transaction; identifying, by the computer, the single loyalty program account based on the second payment card number; identifying, by the computer, a second reward based on the single loyalty program; and causing, by the computer, the second reward to be provided.