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

Claim 0:
1. A computer-based method for providing a loyalty identifier to a merchant using a payment network, said method implemented using a loyalty program (LP) computing device in communication with a memory and a payment network server of the payment network, said method comprising:
storing, in the memory, 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 biometric reference data associated with the corresponding cardholder;
receiving, by the LP computing device 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 first loyalty program, each of the plurality of loyalty programs associated with a corresponding merchant identifier of a plurality of merchant identifiers;
storing, by the LP computing device, a second link between the first loyalty identifier, the first loyalty program, and a corresponding consumer profile associated with the first cardholder within the memory, wherein the first loyalty program includes a discount amount;
receiving, by the LP computing device 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, querying, by the LP computing device and using the biometric scan data included in the first authorization request message, the memory 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 memory 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;
determining, by the LP computing device, that the originating merchant is associated with the first loyalty program by querying the memory, 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;
calculating, by the LP computing device 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
transmitting, by the LP computing device, the second payment amount and the first loyalty identifier to the payment network server to complete processing of the first authorization request message.