Methods and systems for integration of multiple rewards programs
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United States of America Patent
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Issued Date -
Nov 10, 2005
app pub date -
Mar 25, 2005
filing date -
Mar 26, 2004
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Abstract
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.
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