First Data Corporation

The Western Union Company

John Cawthorne

Steven E Arthur

Christopher L Toomer

Sunil Dewan

Daniel Skowronek

Douglas Byerley

Colleen George

Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices to redeem and report use of various marketing offers such as coupons. According to one embodiment, redeeming and reporting a marketing offer can comprise transmitting information related to the marketing offer from a mobile wallet of the mobile device to a target device. A redemption message can be received at the mobile wallet of the mobile device from the target device. The redemption message can indicate acceptance of the marketing offer. At least a portion of the redemption message can be sent from the mobile wallet of the mobile device to a service provider system providing communication services to the mobile device. Sending the redemption message from the mobile wallet of the mobile device to the service provider system can be performed via a wireless communications network such as a cellular network.

Mobile communication systems and methods for redeeming and reporting coupons

A loyalty system that may be integrated with a financial infrastructure is provided. Such a financial infrastructure may accommodate transactions involving participants in the loyalty program as well as transactions that do not involve participants in the loyalty program. When a transaction is initiated by a customer at a merchant, regardless of who are the parties to the transaction, it is intercepted by a loyalty switch, which determines whether the customer and merchant are participants in the loyalty program. The switch transmits the transaction instruction to the financial infrastructure so that authorization may be received. If it is determined that the customer and merchant are participants in the loyalty program, the loyalty switch also executes a loyalty process that conforms with the criteria of the loyalty program.

Systems and methods for operating loyalty programs

Systems and methods are provided for operating an integrated stored-value and loyalty program within a financial infrastructure. An identifier and a packet of transaction information defining a transaction between a merchant and a customer are received at a loyalty host. Qualifying aspects of the transaction are identified from the packet of transaction information. A customer reward is determined from the identified qualifying aspects and a history of information defined by the identifier. Information defining the reward is transmitted to a stored-value host that records a value parameter that may be applied as value by the customer to another transaction.

Systems and methods for integrating loyalty and stored-value programs

Growing community of inventors

Doylestown, PA, United States of America

John Cawthorne