Patent ID: 8833645
Filing Date: 2014-09-16
Classification: G06Q

Abstract:
1. A method comprising: providing, by a transaction handler computing device via a reservation service user interface, an offer for a prospective reward from a merchant to a consumer along with a plurality of reward currencies for the reward for selection by the consumer, wherein the offer is associated with merchant defined eligibility criteria comprising at least a consumer payment account attribute to be associated with a purchase transaction to qualify for the reward and wherein the reward is a monetary value to be credited upon completion of the qualifying purchase transaction; receiving, by the transaction handler computing device, a reservation made by the consumer for a qualifying purchase from the merchant along with the consumer's choice of one of the plurality of reward currencies, wherein the reservation is at least partially in response to the offer for the reward, wherein the qualifying purchase transaction is to be completed within a specified time limit using a consumer payment device identifying a consumer payment account of the consumer associated with the consumer payment account attribute; causing, by the transaction handler computing device, the merchant to generate at a time of the qualifying purchase, a bill reminding the consumer that the reward is prospectively available with use of the consumer payment device for completing the qualifying purchase transaction; processing, by the transaction handler computing device, authorizations of a plurality of payment transactions identifying respective consumer payment accounts of the customers; comparing, by the transaction handler computing device, each transaction of the payment transactions to find a match to the qualifying purchase conforming to the reservation and the merchant defined eligibility criteria; identifying, by the transaction handler computing device, the consumer payment account based on the match; calculating, by the transaction handler computing device, the monetary value of the reward based on a transaction amount corresponding to the qualifying purchase identified via the match; crediting, by the transaction handler computing device, the monetary value of the reward in terms of the consumer's form of choice to the consumer.