US Patent No. 10,037,535

LOYALTY PROGRAM PARAMETER COLLABORATION


Patent No. 10,037,535
Issue Date July 31, 2018
Title Loyalty Program Parameter Collaboration
Inventorship Edward W. Fordyce, III, Hagerstown, IN (US)
Karteek Hasmukh Patel, San Francisco, CA (US)
Sarah Pankratz Suarez, South San Francisco, CA (US)
David Chauncey Shepard, Novato, CA (US)
Assignee Visa U.S.A. Inc., San Francisco, CA (US)

Claim of US Patent No. 10,037,535

1. A method, comprising:providing a computing platform comprising:
an access services layer configured to provide communications among a plurality of computing devices of collaborative constituents,
a logic layer comprising a server and a database, the server configured by software logic to determine parameters for loyalty programs, and the database configured to store rules for loyalty programs, and
a data layer comprising data for transactions processed by a transaction handler;
receiving, prior to creation of a loyalty program, over a network, by the access services layer, an electronic communication from a computing device of one of the plurality of computing devices, the communication including a plurality of parameters for the loyalty program, the parameters received via a user interface of the computing device, the loyalty program to provide an incentive for at least one consumer, the plurality of collaborative constituents including a merchant to provide a good or service to the at least one consumer, and the plurality of collaborative constituents excluding the at least one consumer, and wherein the computing devices of the collaborative constituents are to collaboratively communicate over the network to create the loyalty program prior to contacting the at least one consumer regarding the loyalty program;
analyzing, by the logic layer, to confirm that each of the plurality of parameters is compliant with at least one predetermined loyalty program rule, the at least one rule including a rule regarding message formatting;
sending, by the computing platform, a first transmission including a first parameter of the plurality of parameters, wherein the first transmission is sent to a first computing device of the plurality of computing devices, and the first parameter is compliant with the at least one predetermined loyalty program rule, including the rule regarding message formatting;
providing, to at least one of the plurality of computing devices, access to transaction data of the data layer for the at least one consumer;
analyzing, by the computing platform, the transaction data using an algorithm, wherein an input of the algorithm is at least a portion of one of the plurality of parameters;
providing, by the access services layer, to at least one of the plurality of computing devices, an output from the algorithm that includes a quantitative trend within purchases of the at least one consumer;
determining, by the computing platform˜a second parameter of the plurality of parameters that has been agreed upon by a first remaining set of the plurality of collaborative constituents;
sending, by the computing platform, a second transmission including the second parameter, wherein the second transmission is sent to the computing devices of the collaborative constituents among the first remaining set;
determining, by the logic layer, based on the transaction data for a first consumer and at least one of the first parameter and the second parameter, that a transaction of the first consumer qualifies for a reward associated with the loyalty program; and
sending, by the computing platform, an electronic communication that causes display of a message on a computing device of the first consumer, the message comprising information regarding the reward, and the information based at least in part on at least one of the parameters of the plurality of parameters received via the user interface.