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 identifying a single loyalty program account of a user when the user uses one of a plurality of credit card numbers to pay for transactions at a retailer that provides discounts to the user through the single loyalty program account, the method being implemented by a processing platform having one or more physical processors programmed by one or more instructions to perform the method, the method comprising:
causing, by the processing platform, an association of a single loyalty program account that is related to the user and a plurality of credit card numbers that are related to the user to be stored such that the single loyalty program account is identifiable based on a use of any one of the plurality of credit card numbers, wherein the plurality of credit card numbers comprise a first credit card number that identifies a first credit card account of the user and a second credit card number that identifies a second credit card account of the user; receiving, by the processing platform, the first credit card number in association with a first transaction; identifying, by the processing platform, the single loyalty program account based on the first credit card number; identifying, by the processing platform, a first discount to be applied to the first transaction based on the single loyalty program account; causing, by the processing platform, the first discount to be applied to the first transaction; receiving, by the processing platform, the second credit card number in association with a second transaction different from the first transaction; identifying, by the one or more physical processors, the single loyalty program account based on the second credit card number; identifying, by the processing platform, a second discount to be applied to the second transaction based on the single loyalty program account; and causing, by the processing platform, the second discount to be applied to the second transaction.