36 results about "Loyalty program" patented technology

A system for providing context-specific item recommendations is provided, for example in support of customer loyalty programs. In examples, a contextual offer recommendation engine utilizes a deep neural network in an epsilon-greedy agent to implement a contextual multi-arm bandit. The contextual multi-arm bandit is used to explore optimal solutions regarding correspondence between offers and customers. The optimal solutions may represent customer-offer combinations which may be published to a campaign manager for display to a customer, e.g., via a retail server. The deep neural network may be continually and adaptively retrained an extended based on observed actions between customers and new or preexisting offers.

A loyalty program management system associated with an enterprise location is provided. The loyalty program management system is programmed to: a) receive a plurality of input data associated with a plurality of patrons, wherein the plurality of input data represents actions of the plurality of patrons; b) determine a current location of a patron of the plurality of patrons, wherein the current location of the patron is not at the enterprise location; and c) transmit a message to a computer device associated with the patron including a prize to be awarded if the patron visits the enterprise location.

A system for an expandable trading platform that includes the following: a core module for commerce, configured for managing product catalogs, shopping carts, order processing and customer profiles; a service-oriented architecture (SOA) configured to enable the integration of third-party applications and services via modular APIs and plug-in frameworks, allowing the platform to be dynamically adapted and extended without interrupting ongoing operations; a payment gateway integration module configured to support multiple payment methods, including credit / debit cards, digital wallets, and cryptocurrencies; a customer relationship management (CRM) module configured for managing customer profiles and automating marketing campaigns; an analytics module for artificial intelligence (AI) and machine learning (ML) that is configured to provide personalized recommendations and predictive analytics based on customer behavior; a blockchain-based transaction ledger configured for secure and transparent transactions; an omnichannel integration module configured to synchronize product information, orders and customer data across webshops, mobile applications, social media platforms and physical stores; a marketing and advertising module for managing discounts, loyalty programs and personalized offers; a data analytics module that provides real-time insights into sales performance, customer retention, and operational efficiency; and a security and compliance module for implementing data encryption, two-factor authentication, and compliance with global data protection regulations.

A system for configuring a digital wallet application for implementing a casino player loyalty program includes a memory storing reward configuration data associated with digital wallet awards and a processor configured to: (a) provide an award type user interface for receiving player loyalty award types; (b) receive award type data corresponding to one or more selected player loyalty award types; (c) provide an award threshold user interface for receiving at least one indication corresponding to player loyalty award thresholds; (d) receive award threshold data corresponding to one or more selected player loyalty award thresholds; (e) provide an award trigger user interface for receiving player loyalty award triggers; (f) receive award trigger data corresponding to selected player loyalty award triggers; and (g) configure a rules engine for a mobile wallet based, at least in part, on the award type data, the award threshold data and the award trigger data.

This invention is about methods and systems for utilizing trip (flight, train, ferry) data and time at which trip milestones occur to automatically create an incremental, spread-out, progressive earning plan for any of the award amounts that a travel loyalty program's member is entitled to, to employ the incremental earning plan to automatically insert the earnings according to the incremental earning plan to the member's account or to automatically trigger their insertion, to allow visual tracking of the plan through a user interface and to present additional miles in the same incremental fashion in case of delays.

An innovative retail checkout system utilizes radio frequency identification (RFID) technology to enhance security and streamline the shopping experience. Customers use RFID stickers linked to their loyalty accounts and attach them to items they wish to buy. Items are then collected by automated pickers, either human or robotic, and are pre-bagged for pickup. At self-checkout terminals, customers review, delete any unwanted items, add any desired new items, and pay for their items. Post-payment, customers receive a receipt or barcode on their phone, granting access to a secure pickup area. Here, customers reshow their code to retrieve their pre-bagged purchases. This system ensures that customers only handle or possess items after payment, significantly reducing theft opportunities. The integration of RFID tags not only secures transactions but also facilitates efficient item tracking and inventory management, enhancing the overall shopping experience and promoting the use of loyalty programs.

A method and system for leveraging an existing issuer user application, associated with a payment network, to create centralized merchant loyalty platform. The centralized merchant loyalty platform consolidates computing resources from different merchant systems to a centralized processing system. The centralized processing system creates a scalable computing platform that allows for loyalty programs associated with a plurality of different merchants to be seamlessly accessed through the existing issuer user application.

Systems and methods which offer a loyalty program affiliated with different entities associated with an enterprise.

A method for exchanging loyalty points includes storing one or more user loyalty profiles including a user identifier and one or more merchant identifiers associated with a loyalty point total; receiving a transaction request from a computing system including at least a user identification, a merchant identification, and a transaction amount; identifying a user loyalty profile including a user identifier that matches the user identification; in response to identifying the user loyalty profile, determining the merchant identification matches one of the one or more merchant identifiers; determining the loyalty point total associated with the matching merchant identifier is lower than a loyalty point total required to cover the transaction amount; and exchanging a first amount of loyalty points associated with a different merchant identifier of the one or more merchant identifiers for a second amount of loyalty points associated with the merchant identifier that matched the merchant identification.

A method for changing operation modes includes receiving disaster information from trending data, a newsfeed, or an alert message; upon detecting at least one redirection trigger from the disaster information, configuring a loyalty system to operate in a redirection mode; receiving or accessing data associated with a transaction between a customer and a merchant; determining, from at least one of customer information and merchant information in the data associated with the transaction, a donation amount and a location associated with the transaction; when the loyalty system is configured to operate in a redirection mode, generating signals to cause accrual of at least a portion of the donation amount to a redirection account based on the location associated with the transaction; and generating signals to cause accrual of any remaining portion of the donation amount to one or more defined donation accounts based on charity catchment area parameters.

An authorization network includes a payment terminal and a loyalty program server. The payment terminal receives a preliminary transaction value, receives an account number from an EMV-compliant payment device, and determines an authorization value from a difference between the preliminary transaction value and a redemption value. The terminal initiates a funds transfer from a customer account associated with the account number in an amount equal to the authorization value by at least transmitting the account number and the authorization value to the payment device, receiving a cryptogram from the payment device, and confirming that the cryptogram was generated from the authorization value and from a cryptographic key uniquely associated with the payment device. The terminal initiates a funds transfer from a funding account to a merchant account by transmitting to the server a redemption request that includes the account number.

A system and method are provided for managing loyalty program accounts. The method is executed by a device and includes providing, from the device, access to a loyalty wallet application. The method also includes storing loyalty account information for a plurality of loyalty accounts in the loyalty wallet application and integrating a loyalty tracking application, operable from the device, with at least one transaction channel accessed via the device. The method also includes receiving transaction data from the at least one transaction channel; detecting, from the transaction data, that a transaction yet to be executed is eligible for a loyalty reward associated with one or more of the plurality of loyalty accounts; and modifying the transaction to use corresponding loyalty account information to obtain the loyalty reward. The method also includes enabling the modified transaction to be completed to obtain the loyalty reward.

A dynamic digital advertising content system having a front end system and a back end system, and used to present product content to a user's computing device in the form of a digital circular. The back end system provides retailers and third party access to upload, and update, product content information for the digital circular, including videos and animations. The dynamic digital advertising content system can include integrations for third-parties such as digital coupon providers and loyalty program providers. The system permits users the ability to share with other users merchandise displayed in the digital circular and / or selected for a shopping list. Such shared content can be dynamically arranged for subsequent presentation on a computing device of the recipient. The digital circular is further customizable for individual retailers or retailer locations, as well as customizable based on detected histories and / or characteristics of the user receiving the digital circular.

In a system and method for providing a points liability forecast, data associated with transactions related to a retail loyalty program based on points accumulated by each customer enrolled in the retail loyalty program is received and stored. One or more training sets of data is created based on the received and stored data. The one or more training sets are used to generate a machine-learning model that forecasts points liability. Input parameters related to retail loyalty program are received from aa user, for input to the machine learning model. Forecast parameters based on the input parameters are received, as output from the machine learning model. Finally, the forecast parameters are provided to the user via an interface.

Examples provide a system, method, and computer storage device for automatically designing and presenting loyalty programs in a user interface. Loyalty data is retrieved from a historical transactions database and anonymized by masking and aggregating the data. The anonymized data is encoded into a generative pre-trained transformer and decoded into proposed loyalty programs with a predicted likelihood of consumers to make transactions in that program. The proposed propensity for each proposed loyalty program is compared with a threshold propensity that is a minimum acceptable propensity for consumers to make transactions in any loyalty program. Based on the comparison, a relative effectiveness of each proposed loyalty program is determined. Each proposed loyalty program is presented as a natural language icon in a graphical user interface (GUI) and the natural language icons are automatically moved to a list in the GUI in descending order of relative effectiveness.

A method, system and computer program for providing a loyalty engine for automated cause marketing. The method includes a loyalty program system administrator linking merchants and charities to the loyalty system. Members register with the loyalty engine through loyalty system which is accessible via the Internet. Once the merchants and the charities are linked and the members are registered, by operation of the loyalty engine, the merchants can create a customized loyalty program defined by a plurality of merchant defined rules for administering their loyalty program. The merchant defined rules instruct the loyalty engine as to which charities should receive in-kind donations in connection with one or more transactions by a member that is associated to the loyalty program. Once a loyalty system defined time period or donation threshold has been achieved, the loyalty system releases the donation in-kind to the specific charity. A system is also provided that consists of a server computer including theloyalty engine and the charity utility. The charity utility provides the functions of the method and is linked to a server computer that is connected to the Internet. The computer program of the invention is a web application that enables the members, charities, and merchants to access the functions of the invention via a web browser.

An innovative retail checkout system utilizes radio frequency identification (RFID) technology to enhance security and streamline the shopping experience. Customers use RFID stickers linked to their loyalty accounts and attach them to items they wish to buy. Items are then collected by automated pickers, either human or robotic, and are pre-bagged for pickup. At self-checkout terminals, customers review, delete any unwanted items, add any desired new items, and pay for their items. Post-payment, customers receive a receipt or barcode on their phone, granting access to a secure pickup area. Here, customers reshow their code to retrieve their pre-bagged purchases. This system ensures that customers only handle or possess items after payment, significantly reducing theft opportunities. The integration of RFID tags not only secures transactions but also facilitates efficient item tracking and inventory management, enhancing the overall shopping experience and promoting the use of loyalty programs.

A system and method are provided for managing loyalty program accounts. The method includes providing, from the device, access to a loyalty wallet application. The method also includes storing loyalty account information for a plurality of loyalty accounts in the loyalty wallet application and integrating a loyalty tracking application, operable from the device, with at least one transaction channel accessed via the device. The method also includes receiving transaction data from the at least one transaction channel; detecting, from the transaction data, that a transaction yet to be executed is eligible for a loyalty reward associated with one or more of the plurality of loyalty accounts; and modifying the transaction to use corresponding loyalty account information to obtain the loyalty reward. The method also includes enabling the modified transaction to be completed to obtain the loyalty reward. Notifications may be determined and sent using a machine learning system.

The system may provide an access function to a customer device. The system may receive, from the customer device, a request for the business function via the access function. The system may provide, to the customer device, the business function. The access function may include at least one of a QR code, a link in an SMS text, a link in an email, an NFC tag or a NFC tap that provides a business function for a business. The business function may include issuing a coupon, validating the coupon, enrolling in a loyalty program, issuing points in the loyalty program, providing a review request, setting a reminder, adding to a promotions list, downloading an app, connecting on social media, sending a payment link, booking an appointment, sending a survey, sending a gift account, enrolling in a birthday club and joining a referral program.

Systems and methods are disclosed for associating a player loyalty account of a player with a stored value account. The player can accumulate loyalty points over time. The accumulated loyalty points can be converted to value, such as cash or coupons, associated with the stored value account. The value can be accessed by the player through the use of a stored value payment vehicle associated with the stored value account. The value added to the stored value account can be restricted such that the use of the value is limited to particular merchants or particular types of transactions.

A method of implementing a loyalty reward program is described. The technique requires minimal sign-up and sign-in requirements using a portable device, such as a cell phone, and a personal identification number. Rewards are earned based on one or more criteria, such as the amount of time spent at a location, and can be instantly redeemed through a kiosk. The rewards are most preferably cash, but could be in another form, such as a coupon or a physical item.

An automated advertising scheduling and distribution process reacts to the effectiveness of sales data. A hosted platform creates location-specific playlists based on key consumer variables that impact buying behavior, and dynamically performs data analytics. Utilizing a programmatic system and machine learning algorithmic methodology, the platform gathers data from the retailer's data warehouse and automatically pulls location-by-location sales data while simultaneously collecting playback data. If sales are not being affected on the particular item that is being promoted, then the platform may be configured to replace that message with a promotional message for another product with a higher likelihood of engagement and conversion. This virtual feedback loop ensures that the platform is optimizing the most effective series of promotional messages for any given location. The content management administrator accordingly delivers relevant advertising / messages to various display screens integrated into fuel pumps, through the store, and to retailer loyalty program applications.

Systems and methods are disclosed for associating a player loyalty account of a player with a stored value account. The player can accumulate loyalty points over time. The accumulated loyalty points can be converted to value, such as cash or coupons, associated with the stored value account. The value can be accessed by the player through the use of a stored value payment vehicle associated with the stored value account. The value added to the stored value account can be restricted such that the use of the value is limited to particular merchants or particular types of transactions.

Embodiments of the present invention relate to methods and systems for effectively managing a digital currency system using a cryptocurrency scheme. The embodiments utilize a payment processor computer to manage entities in the digital currency system that have the right to generate, distribute, trade, and redeem digital currency units. In some embodiments, the digital currency may represent points in a loyalty program sponsored by an entity or organization. Transactions made using the digital currency and the rules for managing the digital currency can be tracked and maintained in a master ledger maintained by the payment processor computer and distributed as a sub-ledger to other entities within the digital currency system.

A host server (102, figure 1) receives a request to access a gaming platform from a player account. The player account includes player identifying information, a player wallet, and a loyalty program.

A system is provided.SOLUTION: A system comprising: means for registering account information of a plurality of point programs possessed by a user for integrated management of points of different business entities; means for acquiring point information of each of the registered point programs; means for exchanging points between the point programs; means for storing the acquired point information in a database and displaying a point conversion or transaction history in response to a request from the user; and means for analyzing a use history or preference of the user and generating and presenting an appropriate marketing message.SELECTED DRAWING: Figure 1

A method and system for leveraging an existing issuer user application, associated with a payment network, to create centralized merchant loyalty platform. The centralized merchant loyalty platform consolidates computing resources from different merchant systems to a centralized processing system. The centralized processing system creates a scalable computing platform that allows for loyalty programs associated with a plurality of different merchants to be seamlessly accessed through the existing issuer user application.

An object of the system according to the embodiment is to analyze customer data and a purchase history and propose, evaluate, and improve an optimal loyalty program.SOLUTION: A system includes a data collection part, an analysis part, a proposal part, an evaluation part, and an improvement part. The data collection part collects customer data and purchase history. The analysis unit analyzes the customer data and the purchase history collected by the data collection unit. The proposal unit proposes an optimum program or privilege on the basis of the result analyzed by the analysis unit. The evaluation unit evaluates the effect of the program proposed by the proposal unit. The improvement unit improves the program on the basis of a result evaluated by the evaluation unit.SELECTED DRAWING: Figure 1

Systems and methods for golf course tee time booking, score tracking, and customer relationship management are disclosed in near real-time. The system may be used for administering a loyalty program whereby loyalty points are earned and automatically redeemable for future purchases at golf courses, and for providing rate integrity. For example, the price in dollars for a deal (and the associated fees and taxes) is automatically converted into a point value which is displayed as the purchase price for the deal instead of the dollar amount. The system may be used for automated score tracking for individual rounds of golf, tournaments or leagues. The disclosed system can agglomerate tee time booking and score tracking for individual golf courses or associations of affiliated courses thereby providing customers with a centralized booking system and loyalty program.

A system for configuring a digital wallet application for implementing a casino player loyalty program includes a memory storing reward configuration data associated with digital wallet awards and a processor configured to: (a) provide an award type user interface for receiving player loyalty award types; (b) receive award type data corresponding to one or more selected player loyalty award types; (c) provide an award threshold user interface for receiving at least one indication corresponding to player loyalty award thresholds; (d) receive award threshold data corresponding to one or more selected player loyalty award thresholds; (e) provide an award trigger user interface for receiving player loyalty award triggers; (f) receive award trigger data corresponding to selected player loyalty award triggers; and (g) configure a rules engine for a mobile wallet based, at least in part, on the award type data, the award threshold data and the award trigger data.