TECHNICAL IMPROVEMENTS TO PAYMENT CARD LINKED REWARDS PROGRAMS

• Main Authors: VILLARES Carlos, TORRES José Luis Rivera, MELHADO Peter Karl, TODESCO Luke, MUÑIZ Omar Ramos, DRAXTON Andrew Erickson, RIVERA Yilka, CODE Jordan Michael, HARVEY Dacotah, VILLARES Gustavo, TORRES Nancy, VAILLANT Jose Carlos Villares, FAHRER Zachary, DHIMAN Vikram
• Format: Patent
• Language: English; Spanish
• Published: 17.08.2023
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

A rewards system operator receives one or more files from a payment card processor containing payment card transaction information for qualifying payment card transactions made with linked payment cards at one or more merchants participating in a rewards program. The rewards system operator directly debits the merchants for any fees owed under the rewards program. The rewards system operator gives users of the linked payment cards a reward for making qualifying purchases under the rewards program. Un operador del sistema de recompensas recibe uno o más archivos de un procesador de tarjetas de pago que contienen información de transacciones de tarjetas de pago calificadas realizadas con tarjetas de pago vinculadas en uno o más comerciantes que participan en un programa de recompensas. El operador del sistema de recompensas debita directamente a los comerciantes cualquier tarifa adeudada bajo el programa de recompensas. El operador del sistema de recompensas otorga a los usuarios de las tarjetas de pago vinculadas una recompensa por realizar compras calificadas en virtud del programa de recompensas.