RULE BASED SELECTION OF A TRANSACTION INSTRUMENT IN A LOYALTY CAMPAIGN
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United States of America Patent
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app pub date -
Oct 17, 2012
filing date -
Dec 23, 2010
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Abandoned
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Abstract
A loyalty gateway (130) determines a mobile device identifier of a customer based on transaction information obtained from a point of sale device (120) and searches a database (135) to determine whether the mobile device identifier is associated in the database (135) with multiple transaction instrument identifiers. If so, the loyalty gateway (130) selects one of the multiple transaction account identifiers by applying a predefined rule and applies a transaction instrument (115) corresponding to the selected transaction account identifier in payment for the transaction and provides to the customer associated with the mobile device identifier a loyalty benefit such as a free item, a discount on a purchase, or loyalty points applicable to a purchase. The predefined rule may be based on, for example, a purchase amount, purchase date, product identifier or merchant identifier.
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