ADAPTIVE DYNAMIC CODING BENEFITS PROGRAM
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United States of America Patent
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Feb 14, 2014
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Feb 14, 2014
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A computer-implemented adaptive benefits program may be implemented by storing benefits program data in memory of a point of transaction device, reading an adaptive data matrix in association with a transaction, offering a benefit to user or customer in the transaction, and transmitting transaction data indicative of the offer from the point of transaction device. The adaptive data matrix can be configured to define user data indicative of the user or customer, and transaction history data indicative of a transaction history of the user or customer. The benefit offering can be selected based on the transaction history in combination with the benefits program data stored in memory. The transaction data can be selected for updating the transaction history based on the transaction, and for modifying the adaptive data matrix accordingly.
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