SG10201706912XA - A computer system and a computer implemented method for incentivizing a user for payment card usage - Google Patents

A computer system and a computer implemented method for incentivizing a user for payment card usage

Info

Publication number
SG10201706912XA
SG10201706912XA SG10201706912XA SG10201706912XA SG10201706912XA SG 10201706912X A SG10201706912X A SG 10201706912XA SG 10201706912X A SG10201706912X A SG 10201706912XA SG 10201706912X A SG10201706912X A SG 10201706912XA SG 10201706912X A SG10201706912X A SG 10201706912XA
Authority
SG
Singapore
Prior art keywords
user
transaction data
payment card
incentivizing
computer system
Prior art date
Application number
SG10201706912XA
Inventor
Singh Kumawat Jaipal
Kumar Maheshwari Sourabh
Arora Ankur
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Priority to SG10201706912XA priority Critical patent/SG10201706912XA/en
Priority to US16/051,172 priority patent/US20190066144A1/en
Publication of SG10201706912XA publication Critical patent/SG10201706912XA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0238—Discounts or incentives, e.g. coupons or rebates at point-of-sale [POS]

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

A COMPUTER SYSTEM AND A COMPUTER IMPLEMENTED METHOD FOR INCENTIVIZING A USER FOR PAYMENT CARD USAGE A computer system for incentivizing a user for payment card usage, includes a memory device configured to store machine-readable instructions and a processor operably connected with the memory device. The processor obtains the machine-readable instructions from the memory device, and is configured by the machine-readable instructions to receive merchant transaction data pertaining to a merchant, determine a first variable from the merchant transaction data, receive user transaction data pertaining to a customer of the merchant, the customer being a user of a payment card, the user transaction data having a card component and a cash component, determine a second variable associated with the card component, from the user transaction data, determine a third variable associated with the cash component, from the user transaction data and provide one or more rule based incentives to the customer, on a basis of the second variable and the third variable. Fig. 1A
SG10201706912XA 2017-08-24 2017-08-24 A computer system and a computer implemented method for incentivizing a user for payment card usage SG10201706912XA (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
SG10201706912XA SG10201706912XA (en) 2017-08-24 2017-08-24 A computer system and a computer implemented method for incentivizing a user for payment card usage
US16/051,172 US20190066144A1 (en) 2017-08-24 2018-07-31 Computer system and a computer implemented method for incentivizing a user for payment card usage

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201706912XA SG10201706912XA (en) 2017-08-24 2017-08-24 A computer system and a computer implemented method for incentivizing a user for payment card usage

Publications (1)

Publication Number Publication Date
SG10201706912XA true SG10201706912XA (en) 2019-03-28

Family

ID=65433895

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201706912XA SG10201706912XA (en) 2017-08-24 2017-08-24 A computer system and a computer implemented method for incentivizing a user for payment card usage

Country Status (2)

Country Link
US (1) US20190066144A1 (en)
SG (1) SG10201706912XA (en)

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6965868B1 (en) * 1999-08-03 2005-11-15 Michael David Bednarek System and method for promoting commerce, including sales agent assisted commerce, in a networked economy
US7840495B2 (en) * 2001-08-03 2010-11-23 Jay Levenson System and method for the payment and accounting of petty disbursements
US20100131959A1 (en) * 2008-11-26 2010-05-27 Spiers Adam Z Proactive application workload management
US10565599B2 (en) * 2015-12-16 2020-02-18 Alegeus Technologies, Llc Systems and methods for managing information technology infrastructure to generate a dynamic interface

Also Published As

Publication number Publication date
US20190066144A1 (en) 2019-02-28

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