Patent ID: 11966940
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. A computing system for providing a loyalty identifier to a merchant using a payment network, said computing system comprising a loyalty program (LP) computing device and a payment network server, the LP computing device comprising one or more processors communicatively coupled to one or more memory devices, said computing system configured to:
store, in the one or more memory devices, a first link to a plurality of consumer profiles, each of the consumer profiles associated with a corresponding cardholder of a plurality of cardholders and including a biometric reference data associated with the corresponding cardholder;
receive, from a client device, a registration request for a first cardholder of the plurality of cardholders, the registration request including a selection of a first of a plurality of loyalty programs and a first loyalty identifier associated with the first cardholder and the selected first loyalty program, each of the plurality of loyalty programs associated with a corresponding merchant identifier of a plurality of merchant identifiers;
store a second link between the first loyalty identifier, the first loyalty program, and a corresponding consumer profile associated with the first cardholder within the one or more memory devices, wherein the first loyalty program includes a discount amount;
receive, from the payment network server, a first authorization request message for a payment transaction initiated by the first cardholder using a payment card at an originating merchant, the first authorization request message including biometric scan data of the first cardholder, a first payment amount, and a first merchant identifier of the plurality of merchant identifiers, the first merchant identifier corresponding to the originating merchant;
in response to receiving the first authorization request message, query using the biometric scan data included in the first authorization request message, the one or more memory devices to identify one of the plurality of consumer profiles having the stored biometric reference data matching the biometric scan data, the identified consumer profile being the corresponding consumer profile which is associated within the one or more memory devices with the first cardholder and linked to (i) the first loyalty program having the discount amount, and (ii) the first loyalty identifier of the first cardholder;
determine that the originating merchant is associated with the first loyalty program by querying the one or more memory devices, by the LP computing device and using the first merchant identifier included in the first authorization request message, to identify a stored merchant identifier associated with the first loyalty program matching to the first merchant identifier;
calculate in real-time a second payment amount based on the first payment amount and the discount amount included in the first loyalty program as identified by matching the biometric scan data to the stored biometric reference data; and
transmit the second payment amount and the first loyalty identifier to the payment network server to complete processing of the first authorization request message.