Patent ID: 6920611
Filing Date: 2005-07-19
Classification: G06Q

Abstract:
1. A system for processing a transaction under a loyalty program, comprising: a loyalty host configured to maintain rules and logic relating to the loyalty program; a cardholder system configured to retrieve and forward a device image from a portable device, the device image including portable device information and loyalty program information relating to a cardholder; a merchant server configured to provide transaction information relating to the transaction; an open programming engine (OPE) configured to retrieve the rules and logic relating to the loyalty program based on the transaction information and determine a loyalty amount for the transaction using the rules and logic and the device image; and a loyalty merchant component (LMC) configured to facilitate interactions amongst the OPE, the cardholder system and the merchant server for purposes of processing the transaction under the loyalty program, wherein the LMC is configured to receive the transaction information from the merchant server and forward the transaction information to the OPE and configured to receive the device image from the cardholder system and forward the device image to the OPE.