David Kyle Shepard

US Patent:

20100145786, Jun 10, 2010

Filed:

Dec 3, 2009

Appl. No.:

12/630622

Inventors:

Edward W. Fordyce III - Sedalia CO, US
Karteek Hasmukh Patel - San Francisco CA, US
David Chauncey Shepard - Novato CA, US

International Classification:

G06Q 30/00
G06Q 40/00
G06Q 20/00

US Classification:

705 1427, 705 1438

Abstract:

A loyalty program for a transaction processing system includes a loyalty program database with loyalty program business rules that are usable to determine when a transaction qualifies for the loyalty program. A loyalty program rule implementer receives transaction data whenever a transaction occurs and uses the received transaction data and the program business rules to determine when a transaction qualifies for the loyalty program. The loyalty program rule implementer is an entity other than an issuer, an acquirer or a merchant. The loyalty program business rules require that the transaction relate to at least one of a specific merchant, a specific issuer, a specific acquirer, a specific consumer, a specific product/service, a consumer having a specific characteristic, a merchant having a specific characteristic, an issuer having a specific characteristic, an acquirer having a specific characteristic and a product/service having a specific characteristic.