发明名称 |
METHODS AND SYSTEMS FOR INTEGRATION OF MULTIPLE REWARDS PROGRAMS |
摘要 |
<p>A method and system for consolidating loyalty rewards from multiple programs into a single currency which is managed in a single account allows a customer to utilize accumulated rewards for making full or partial payments at a point of sale with an online merchant. A payment transaction can represent the use of multiple accounts (i.e., reward currency, credit card, or debit card). When executing the transaction, the system conceals a customer's account information by generating a virtual account number (VAN). As such, the online merchant is not required to have any prior knowledge of the system and processes the transaction as a conventional credit card purchase.</p> |
申请公布号 |
EP1733350(A2) |
申请公布日期 |
2006.12.20 |
申请号 |
EP20050731116 |
申请日期 |
2005.03.25 |
申请人 |
CITICORP CREDIT SERVICES INC. |
发明人 |
LEACH, LIESL;COLLINS, DECLAN;JIANG, WEI |
分类号 |
G06K5/00;G06Q20/00;G06Q30/00 |
主分类号 |
G06K5/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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