Title:
複数のリワードプログラムの一元管理方法およびシステム
Document Type and Number:
Japanese Patent JP2007531123
Kind Code:
A
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.
Inventors:
Reese Reach
Declan Collins
Wei Jiang
Declan Collins
Wei Jiang
Application Number:
JP2007505248A
Publication Date:
November 01, 2007
Filing Date:
March 25, 2005
Export Citation:
Assignee:
Citicorp Credit Services Incorporated
International Classes:
G06K5/00; G06Q20/00; G06Q30/00
Domestic Patent References:
| JP2003502763A | 2003-01-21 | |||
| JPH1078989A | 1998-03-24 | |||
| JP2001350864A | 2001-12-21 | |||
| JP2003532170A | 2003-10-28 |
Foreign References:
| WO2004008288A2 | 2004-01-22 |
Attorney, Agent or Firm:
Eio Furuya
Tadashi Matsushita
Tsurumoto Yoshifumi
Yasushi Sasaki
Tadashi Matsushita
Tsurumoto Yoshifumi
Yasushi Sasaki