Patent Publication Number: US-2022237647-A1

Title: Rewards program

Description:
CROSS-REFERENCE TO RELATED APPLICATIONS 
     This application is a continuation and claims the benefit of U.S. application Ser. No. 16/734,770, titled “Rewards Program,” filed on Jan. 6, 2020, which is a continuation and claims the benefit of U.S. application Ser. No. 15/160,142, titled “Rewards Program,” filed on May 20, 2016, which is a continuation and claims the benefit of U.S. application Ser. No. 13/796,695, filed on Mar. 12, 2013, which is a non-provisional application that claims the benefit of U.S. Provisional Patent Application No. 61/623,472, filed Apr. 12, 2012, the entire contents of each of which are incorporated herein by reference. 
    
    
     TECHNICAL FIELD 
     The present description relates to an efficient and effective way for customers to enroll in rewards programs, and to accrue and redeem rewards at participating merchants. This description more specifically relates to analyzing transaction data to identify a customer profile, offering promotions to the customer based on the customer profile, determining whether a customer used a promotion issued by a promotions provider, and in response to using the promotion, crediting a rewards account. 
     BACKGROUND 
     Merchants typically offer rewards programs in the hope of enticing customers to return for repeat business. However, customers typically avoid enrolling in the rewards programs because of the burden of tracking the rewards for each merchant separately, and managing the many rewards cards used to accrue rewards for each merchant. 
     BRIEF SUMMARY 
     The rewards program system and method provide an efficient and effective way for customers to enroll in rewards programs, and accrue and redeem rewards at participating merchants. The system generates promotions, and when the customer redeems a promotion, the system accrues reward amounts in a customer account, and allows the customer to redeem accrued rewards amounts. The system may accrue the rewards based on customer cash transactions, visits, and/or various other interactions between the merchant and the customer. The system generates credit card profiles and customer profiles, and offers customers subsequent promotions based on the transaction data and/or the customer&#39;s customer profile. The system issues the customer subsequent promotions when the amount credited to the rewards account satisfies a redemption threshold. The subsequent promotions may be redeemable at merchants that have promotions issued by the promotion provider, including the merchant where the promotion was used that resulted in the credited amount. 
     The rewards program system and method provide a way for a promotion provider to credit a rewards account associated with a customer. The system includes one or more memories and a processor in communication with at least one of the one or more memories. The processor is configured to execute processor executable instructions stored in the one or more memories. The instructions cause the processor to access transaction data that identifies a transaction between a customer and a merchant, and access customer unique payment information (such as a credit card number) correlated to the customer. The transaction data may include a merchant identifier, credit card information, and a transaction amount. The customer unique payment information may be derived from interaction of the customer with the promotion provider (such as by using the credit card number to pay for a promotion issued by the promotion provider). The processor may determine whether the transaction data includes the customer unique payment information. If so, the instructions credit to a rewards account associated with the customer. The credit to the rewards account may be based on the transaction amount, and may be associated with the merchant. Further, the system may redeem the credit to the rewards account by issuing a promotion, via the promotion provider. The promotion may be based on the credit to the rewards account and may be for use at the merchant. 
     Other systems, methods, and features will be, or will become, apparent to one with skill in the art upon examination of the following figures and detailed description. It is intended that all such additional systems, methods, features and be included within this description, be within the scope of the disclosure, and be protected by the following claims. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The rewards program system may be better understood with reference to the following drawings and description. Non-limiting and non-exhaustive descriptions are described with reference to the following drawings. The components in the figures are not necessarily to scale, emphasis instead being placed upon illustrating principles. In the figures, like referenced numerals may refer to like parts throughout the different figures unless otherwise specified. 
         FIG. 1  shows a configuration of the rewards program system. 
         FIG. 2  shows transaction data from a transaction between a customer and a merchant. 
         FIG. 3  shows a representation of a transaction processing system processing a credit card transaction. 
         FIG. 4  shows customer rewards accounts. 
         FIG. 5  shows customer profile model. 
         FIG. 6  shows components of the rewards program system. 
         FIG. 7  shows a flow diagram of logic the rewards program system may use. 
         FIG. 8  shows a flow diagram of logic the rewards program system may use when identifying a rewards program transaction. 
         FIG. 9  shows a flow diagram of other logic the rewards program system may use. 
         FIG. 10  shows another configuration of the rewards program system. 
     
    
    
     DETAILED DESCRIPTION 
     The principles described herein may be embodied in many different forms. Not all of the depicted components may be required, however, and some implementations may include additional, different, or fewer components. Variations in the arrangement and type of the components may be made without departing from the spirit or scope of the claims as set forth herein. Additional, different or fewer components may be provided. 
       FIG. 1  shows a configuration  100  of the rewards program system  102 . A promotions provider may use the rewards program system  102  to offer consumers an easy way to enroll in multiple rewards programs with multiple merchants (e.g., a single registration for customers to receive rewards from merchants the customers do business with). The rewards program system  102  may be in communication with member merchants ( 104 ,  106 ). The promotions provider may use the rewards program system  102  to develop services for and/or acquire information from other non-member merchants ( 108 ,  110 ) not in communication with or not registered with the rewards program system  102 . The rewards program system  102  maintains a member profile (e.g., generated by models  112 ) of the member merchants ( 104 ,  106 ) in communication with the rewards program system  102 , and statistical analysis for each of the member merchants ( 104 ,  106 ). 
     The rewards program system  102  is configured to be a part of (or receive data from) a promotion system that registers customer payment data (e.g., a credit card number). After registration, the rewards program system  102  may review transaction information  114  (which may include credit card numbers) in order for the rewards program system  102  to credit customers for transactions that are external to the promotion system. 
     For example, the customer may register with the rewards program system  102 , thereby joining a single loyalty/rewards program. The customer&#39;s registration may comprise submitting the customer&#39;s unique payment information (e.g., a credit card number, debit card number, or the like) in order to purchase a promotion offered by a promotion system or in the context of submitting the customer&#39;s unique payment information to register with the promotion system. A promotion may include any type of reward, discount, coupon, credit, voucher or the like used toward part (or all) of the purchase of a product or a service. As discussed above, the rewards program system  102  may be a part of (or receive data from) the promotion system in order to obtain access to the unique payment information. Thereafter, the rewards program system  102  uses the unique payment information to review transactions between the customers and other entities (such as merchants who are registered or not registered with the rewards program system  102 ) in order to credit the customers in the rewards program. 
     As one example, the rewards program system  102  may review transaction information for unique rewards account information (such as the customer&#39;s unique payment information, a customer identifier, a merchant identifier, a promotion, etc.) in order to determine whether to credit the customer for a transaction, as discussed in more detail below. In this regard, although referred to as “unique” rewards account information, the information may not be entirely unique, but need only provide enough specificity to enable the promotion provider to identify a particular customer, merchant, or rewards account. In this way, the customer&#39;s interaction with the promotion system enables tracking and crediting of transactions that are external to the promotion system. 
     The rewards program system  102  may communicate with member customers ( 116 ,  118 ) via preferences selected (e.g., email, voice mail, multimedia, physical mail) by the member customers ( 116 ,  118 ). In the context of the rewards program  102  being a part of the promotion system, the rewards program system  102  includes a registration process where the member customers ( 116 ,  118 ) provide unique rewards account information, such as one or more credit card numbers ( 120 ,  122 ), a phone number, or wallet token number, that the rewards program system  102  may use as a customer identifier when subsequently reviewing the transaction information  114 . A customer ( 116 ,  118 ) may provide a credit card number ( 120 ,  122 ) in order to complete a transaction to purchase a reward  124  offered by the rewards program system  102 , and/or create/update a customer profile to include multiple credit card numbers. Alternatively, the rewards program system  102  may be in communication with the promotion system in order to receive the customer&#39;s credit card number. 
     The rewards program system  102  provides merchants ( 104 ,  106 ) with an efficient and effective rewards program without the merchants expending additional resources to manage the rewards program. In particular, the rewards program system  102  uses the transaction information  114  that is already generated when the customer pays by credit card, debit card, or the like. So that, the merchant can use the existing payment mechanisms, such as the existing credit card payment mechanism, in order to participate in the rewards program. 
     The rewards program system  102  also may track (e.g., using manual or automated procedures) any interaction between a customer and merchant. For example, the customer paying with cash, visiting the merchant (e.g., with friends of the customer, without completing a transaction with a credit card), interacting with a special offer (e.g., a customer redeeming a coupon without a transaction). Anything that matches the customer at the merchant that could be tracked by both. 
     The rewards program system  102  may optionally include additional functionality, such as providing a way to track redemptions  126  and issue rewards  124  for multiple types of transactions (e.g., a promotion redemption transaction and a cash/credit transaction  132 ). The rewards program system  102  may use rewards models  128  to generate and recommend high return on investment rewards  124  to customers and merchants. The rewards program system  102  uses the multiple types of transactions and the purchase behaviors of the customers, as determined from the transaction data  114 , to develop customer profiles  112  for member customers ( 116 ,  118 ) and non-member customers  130 . 
     As discussed in more detail below, customers and merchants may be registered with the rewards program system  102 . In the context of a customer ( 116 ,  118 ), after registration, the rewards program system  102  correlates unique rewards account information, such as the credit card information, customer identifier (e.g., the customer&#39;s email address, telephone number, wallet token number, etc.), and/or purchased promotions to a customer ( 116 ,  118 ). Accordingly, the rewards program system  102  may review transaction data (that may include the credit card number, customer identifier, and/or an indication of a promotion) in order to determine whether the transaction data is associated with a registered customer. Likewise, merchants may be registered with the rewards program system. In the context of merchants  104 , after registration, the rewards system  102  correlates the merchant identifier to a registered merchant. In this way, the rewards program system  102  may review the transaction data (that includes merchant identifiers) to determine whether the merchants are registered. 
     As discussed in more detail below, the rewards program system is configured to identify at least four different scenarios. First, the rewards program system is configured to identify a registered customer that interacts (such as completes a transaction) with a registered merchant. The rewards program system, in turn, may credit the registered customer&#39;s rewards account with the transaction at the registered merchant. Further, the rewards program system may compile a list of known customers (including the registered customer) in order to provide information to the registered merchant (such as providing profiles of the registered merchant&#39;s customers, providing information on potential deals for the registered merchant, etc.). 
     Second, the rewards program system is configured to identify a registered customer that interacts with a non-registered merchant. A non-registered merchant is a merchant that does not participate in the rewards program; however, the rewards program system may track the activity and/or identify of the non-registered merchant. The rewards program system may use this information to profile the registered customer. Third, the rewards program system is configured to identify a non-registered customer that interacts with a registered merchant. The rewards program system may use this information to profile the registered merchant. Further, the rewards program system may profile the non-registered customer (such as based on all transactions associated with the non-registered customer&#39;s credit card). Fourth, the rewards program system is configured to identify a non-registered customer that interacts with a non-registered merchant. The rewards program system  102  provides a way to offer rewards to customers for multiple types of transactions, (e.g., purchases of products and/or services using cash, credit, coupon discounts, and accrued rewards). 
       FIG. 2  shows transaction data  200  from an example transaction  132  between a customer  116  and a merchant  104 . In this case, the transaction is a card transaction. The rewards program system  102  may use a matching algorithm to analyze the transaction data (e.g., a hash function). The rewards program system  102  identifies each member merchant ( 104 ,  106 ) by a merchant identifier  202 . The transaction data ( 114 ,  200 ) identifies the customer (e.g., credit card information  204  that may refer to a credit account, debit account, and/or a merchant account), the merchant, and the transaction information  206  (e.g., transaction amount, transaction date, transaction currencies). When the rewards program system  102  receives transaction data  200  (e.g., in real-time or after the transaction), the rewards program system  102  directs (e.g., associates and/or attributes) each transaction to a merchant (e.g., using the merchant identifier  202 ). When credit card information  204  for a transaction is available, the rewards program system  102  may identify the merchant by the merchant identifier  202 . 
     The rewards program system  102  aggregates data to determine the transactions associated with a credit card ( 120 ,  122 ,  204 ), and analyzes the credit card transaction history. When the credit card ( 120 ,  122 ,  204 ) is identified to belong to a registered customer ( 116 ,  118 ) (e.g., a customer who has joined the loyalty/rewards program offered by the rewards program system  102  and/or purchase a promotion from the rewards program system  102  using the credit card  120 ,  122 ), the rewards program system  102  uses the transaction data to identify one or more merchants with whom the customer transacted business. The rewards program system  102  may use a database that correlates the names of customers and credit card numbers ( 120 ,  122 ,  204 ), so that when the user uses the credit card ( 120 ,  122 ,  204 ) at the merchant, the rewards program system  102  can identify the customer. 
     The transaction information ( 114 ,  200 ) identifies the merchants at which the customer shopped, how much the customer spent at the various merchants, and the amount of rewards accrued by the customer (e.g., accrued reward amount). The rewards program system  102  performs customer purchase behavior analysis and determines discounts and rewards offers of complementary promotions, goods, and/or services to present to the customer (e.g. promotions selected on the basis of the customer&#39;s profile and purchase behavior). In addition, other systems may interface with the rewards program system  102  to use the analysis and transaction data to identify offers to present to customers. The rewards program system  102  may filter out (e.g., avoid) unnecessary advertisement and offerings selling promotions to low return on investment customers (e.g., new customers already captured by the merchant, or customers who have stopped patronizing the merchant). 
       FIG. 3  shows a representation  300  of a transaction processing system processing a credit card transaction. The example of the credit card transaction is merely for illustration purposes. Other types of card transactions, such as debit card transactions or charge card transactions, are contemplated. When a consumer  302  (e.g., customer) uses a credit card to complete a transaction, the consumer  302  presents the credit card (e.g., a Visa® credit card). The credit card includes a credit card number  304 , which identifies the type of card  306 , the card issuing bank  308 , and the consumer&#39;s account  310 . The merchant (e.g., merchant system  312 ) inputs the credit card number  304  (such as by swiping the credit card through a machine that reads information from the magnetic stripe on the back of the card or by manually inputting the credit card number), and inputs the transaction amount (e.g., on the keypad in the merchant system  312 ). When the consumer  302  (e.g., customer) uses a credit card to purchase a promotion and/or register (i.e., enroll) in a rewards program from the rewards program system  102 , similar data exchange that occurs between the consumer  302  and the merchant system  312  and the merchant system  312  and the acquiring bank system  316  may occur. The merchant system  312  sends an authorization request  314  to the acquiring bank system  316 , which is the bank that handles the merchant&#39;s credit card account, in order to obtain authorization for the transaction. The authorization request  314  may include a merchant identifier  318  (or other type of transaction identifier), the card number  304 , optionally a reward logic identifier  320 , and a transaction amount  322 . The acquiring bank system  316  in turn forwards the authorization request  314  to the card processing system  324 , which may use a card router  326  to identify a card issuing bank system  328  corresponding to the credit card number  304  and to forward the authorization request  314  to the card issuing bank system  328 . 
     The card issuing bank system  328  is the bank that issued the credit card  304  to the consumer  302 , and maintains up-to-date information on the consumer&#39;s account  330  (e.g., account balance and account status). The card issuing bank system  328  may maintain a promotion database  332 , and a consumer profile database  334 . Alternatively, the rewards program system  102  may maintain the promotion database  332 , and the consumer profile database  334 , and/or a separate consumer profile database  334 . The merchant system  312  and/or the rewards program system  102  may periodically communicate updates  336  to the promotion database  332 , while the consumer  302  periodically communicates updates  338  to the consumer profile database  334 . 
     The card issuing bank system  328  determines whether to authorize the transaction for the transaction amount. The card issuing bank system examines the customer account  330  of the consumer  302  to determine whether the customer account  330  has sufficient credit balance to cover the transaction. If so, the card issuing bank system  328  authorizes the transaction and generates an authorization code  340 . The authorization code  340  is sent back to the acquiring bank system  316  (through the card processing system  324 ), which sends the authorization code  340  as an approval or denial code to the merchant system  312  that sent the authorization request  314 . In one embodiment, the authorization code  340  may optionally include a promotion identifier  342  and a promotion value  344  that identifies a redeemable value amount for the promotion identified by the promotion identifier  342 . 
     The card processing system  324  may also coordinate the transfer of funds from the card issuing bank system  328 , which pays for the transaction and extends credit to the consumer  302 , to the acquiring bank system  316 , which holds an account in the merchant&#39;s name. The actual transfer of money between the acquiring bank system  316  and the issuing bank system  328 , and the actual debiting of the consumer&#39;s account  330  typically may not occur until sometime after authorization of the transaction (e.g., a day or two after the actual transaction date). In the meantime, the issuing bank system  328  usually places a pending charge on the consumer&#39;s account  330 , and counts the transaction against the consumer&#39;s remaining available credit limit even though the transaction has not yet cleared. In the context of the present transaction processing system, in which transactions for promotions, rewards, or specific products/services are processed, the reconciliation for authorization of the promotion, reward, or specific product/service may occur contemporaneously with the authorization, or may occur at a later time (such as a day or two after the authorization). 
     As discussed above, the transaction processing system may process credit cards, debit cards, and/or charge cards. A charge card requires that the cardholder pay off the balance in full each month, and may not have a preset limit. Instead, purchases are approved based on the cardholders spending and payment history, financial resources and credit record. A debit card (also known as a bank card or check card) is a card that provides a customer  302  with electronic access to the customer&#39;s bank account(s) at a financial institution. 
       FIG. 4  shows customer rewards accounts  400 . The rewards program system  102  includes logic that processes and handles multiple types of transactions  114 . For example, the customer  402  may have multiple transactions with a merchant (e.g., member merchant), including a promotion redemption transaction  404  (e.g., $25) from the rewards program system  102  and a cash/credit transaction  406  (e.g., $100) that does not involve the rewards program system  102 . The rewards program system  102  receives transaction data  114  and/or determines when the customer  402  redeems a coupon from the rewards program system  102 . The rewards program system may not be involved in the transaction, and may determine or receive information about the cash/credit transaction indirectly. For example, the merchant  104  (e.g., member merchant) may communicate the cash/credit transaction  406  to the rewards program system  102 . Alternatively, the rewards program system  102  may retrieve the cash/credit transaction  132  from the merchant  104  or from a third party source  134 . 
     In addition to reviewing card transactions between the customer and the merchant, the rewards program system  102  is configured to identify when a transaction involves redemption of a promotion, and to accrue a reward amount ( 408 ,  410 ) for each transaction ( 404 ,  406 ,  414 ,  416 ,  418 ,  420 ) that involves redemption of the promotion. The rewards program system  102  may accrue a reward amount ( 408 ,  410 ) for both customers ( 402 ,  412 ) and merchants. The rewards program system  102  may allow customers to redeem the accrued reward amount ( 408 ,  410 ) when the accrued reward amount ( 408 ,  410 ) satisfies one or more accrued reward amount thresholds. The rewards program system  102  may allow customers ( 402 ,  412 ) to redeem the accrued reward amount ( 408 ,  410 ) at a member merchant, for whom the reward discount coupons were issued, or any member merchants of the rewards program system  102 , or any non-member merchants, or any combination thereof. When the rewards program system  102  identifies that a merchant received a coupon for a coupon redemption transaction ( 404 ,  416 ) (e.g., $25, $75) and/or completed a cash/credit transaction (e.g., $100), the rewards program system  102  calculates one or more rewards ( 408 ,  410 ) (e.g., accrued rewards) for the member customers ( 402 ,  412 ). For example, the accrued rewards ( 408 ,  410 ) calculated by the rewards program system  102  may be for a coupon redeemed with the merchant that issued the original coupon, or multiple merchants, or another merchant other than merchant that issued the original coupon. 
       FIG. 5  shows customer profile model  500 . The rewards program system  102  develops new unique rewards account information and/or identifies existing unique rewards account information, such as customer profiles (e.g., distinguishing characteristics of customers generally and customer profiles specific to respective merchants) and credit card profiles (e.g., distinguishing characteristics of credit cards usage generally and/or compatible customer profile types), based on the transaction data  114 . The rewards program system  102  provides analysis to other systems regarding the types of customers (e.g., customer types and/or specific customers when a customer&#39;s identity is known) to target generally and/or target using the rewards program. The rewards program system  102  may determine or use another system to determine the types of customers to target by categorizing customer profiles and credit card profiles into various levels of granularity (e.g., age, age ranges  502 , gender, home address, distance from reward  518  and other demographic information). The rewards program system  102  and/or another system may generate multi-dimensional matrices ( 500 ) to determine the types of customers a merchant may want to target. For example, the rewards program system  102  may identify male customers in a 2 mile radius of a merchant (e.g., a rewards program coupon discount offering) and categories ( 504 ,  506 ) and subcategories ( 508 ,  510 ,  512 ,  514 ) of products and services (e.g., sporting good, tennis rackets, hockey sticks, baseball bats, tennis shoes, basketball shoes) available for offer to customers. Each node  516  (e.g., row-column dimension) of the profiles model multidimensional matrix includes a calculated probability of a particular customer profile and or the customer of accepting a reward offer. The profiles model multidimensional matrix may be used to generate credit card profiles. 
     The rewards program system  102  may provide the customer profiles and credit card profiles to other systems (e.g., to identify both member and non-member customers to target to present coupon discounts offering). The rewards program system  102  analyzes the customer profiles and/or credit card profiles to determine the appropriate types of coupon discount offerings (e.g., for which products and services) to offer to customers and the appropriate customers to offer such coupon discount offerings. The rewards program system  102  identifies those coupon discount offerings to avoid because of a high probability that customers will purchase the product and/or service with or without a coupon discount offerings. 
       FIG. 6  shows components  600  of the rewards program system  102 . The components of the rewards program system  102  may be in communication via a network (e.g., Internet)  602 . The rewards program system  102  may develop credit card profiles  606  to identify customers to target promotions. Member merchants  604  may register with the rewards program system  102  to implement a loyalty and/or rewards program, and participate in offering promotions to customers, and receive customers profiles and customers profile type information  608 . Member customers  612  may register with the rewards program system  102  to receive rewards discounts (e.g., promotions). 
     The rewards program system  102  may include one or more rewards program models  614  used to generate rewards programs (e.g., using a rewards generator  616 ) to recommend rewards (e.g., promotions) to customers and/or potential customers (e.g., non-member customers  646 ). The rewards generator  616  may generate a list of rewards  620  and use a return on investment (ROI) ranker  622  to rank ( 624 ) the rewards according to a predicted return for each reward identified by the list of rewards  620 . The rewards program system  102  may use the ranked rewards  624  to identify real-time rewards adjustments  626  to the rewards generator  616  and communicate rewards refinements  628  to the rewards generator  616 . The rewards program models  614  may also receive redeemed rewards  630  information to assist in refining rewards generator  616 . 
     The rewards program system  102  may include one or more customer profile models and credit card profile models  632  used to generate profiles and profile types (e.g., using a profiles generator  634 ). The profiles generator  634  may generate a list of profiles  636  (e.g., customer profiles and credit card profiles, and customer profiles types and credit card profiles types) and use a return on investment (ROI) ranker  638  to rank ( 640 ) the profiles and profile types according to a predicted return for each of the profiles and profiles types identified by the list of profiles  636 . For example, the ROI ranker  638  may determine the ROI for a customer, a credit card, and/or profile types of customers resulting from the use of the rewards programs generated by the rewards program system  102 . The rewards program system  102  may use the ranked profiles  640  to identify real-time profile and profile type adjustments  642  to the profiles generator  634  and communicate profiles refinements  644  to the profiles generator  634 . 
     The rewards program system  102  may use the customer profiles and/or credit card profiles analysis to demonstrate ROI statistical probabilities (e.g., guarantees) to non-member customers to encourage registration as member customers of the rewards program system. The rewards program system  102  may use the customers profiles analysis and customer demographics (e.g., identifying customers and/or customer profiles) to develop rewards program strategies. 
       FIG. 7  shows a flow diagram of logic  700  the rewards program system may use. The rewards program system logic implements a method that includes accessing, in at least one memory, transaction data between customers and merchants for purchases by the customers of goods and/or services offered by merchants ( 702 ). The transaction data includes a transaction record for transactions between merchants and customers, an example of which is illustrated in  FIG. 2 . The rewards program system  102  accesses at least a part of the transaction data (such as the credit card information  204 ) and searches a rewards database to identify corresponding unique rewards account information, such as a customer profile, in the rewards database ( 704 ). When the rewards program system  102  identifies unique rewards account information, such as a customer profile, in the rewards database (e.g., a credit card information  204  in the transaction data matches a credit card number in the rewards database), the rewards program system  102  determines whether the merchant is a member merchant in one or more rewards programs generated by the rewards program system  102  ( 706 ). For example, the rewards program system  102  accesses at least a part of the transaction data (such as the merchant identifier  202 ) and searches a merchant database to identify a merchant profile in the merchant database. When the merchant is identified as a member merchant, the rewards program system  102  stores the transaction amount in the identified customer profile and correlates the transaction amount and identified customer profile with the identified member merchant ( 708 ). When the merchant is not identified as a member merchant, the rewards program system  102  stores the transaction amount in the identified customer profile and correlates the transaction amount and identified customer profile with the merchant (e.g., non-member merchant) ( 710 ). 
     When the rewards program system  102  does not identify the customer profile in the rewards database, the rewards program system  102  searches a non-rewards database to identify the credit card number ( 712 ). When the credit card number is identified in the non-rewards database, the rewards program system  102  stores the transaction amount with the identified credit card number in a credit card profile and correlates the transaction amount and identified credit card number with the merchant ( 714 ). In this instance, the rewards program system  102  has previously reviewed transaction data associated with the credit card number, and has previously created a credit card profile. When the credit card number is not identified in the non-rewards database, the rewards program system  102  creates new unique rewards account information, in this case a credit card profile, for the credit card number, and stores the transaction amount with the credit card number in the created credit card profile and correlates the transaction amount and credit card number with the merchant ( 714 ). 
       FIG. 8  shows a flow diagram of logic  800  the rewards program system may use when identifying a rewards program transaction. The rewards program system logic implements a method that includes accessing, in at least one memory, transaction data between customers and merchants for purchases by the customers of goods and/or services offered by merchants ( 802 ). The transaction data includes a transaction record for each transaction between merchants and customers. The rewards program system  102  determines whether the transaction record identifies a promotion transaction that identifies a transaction completed using a promotion generated by the promotion system ( 804 ). When the transaction record identifies a promotion transaction (e.g., redeeming a coupon discount), the rewards program system identifies the member customer ( 806 ) and accrues rewards for the member customer and the member merchant. When the accrued rewards satisfy a redemption threshold, the rewards program system may notify the member customer and the member merchant. When the accrued rewards satisfy the redemption threshold, the member customer, or the member merchant, or another member merchant, or any combination thereof, may receive a promotion or a redemption amount to use for a current transaction (e.g., real-time notice) or future transaction. The notice to the member customer may be via preferences selected (e.g., email, voice mail, multimedia, physical mail). 
       FIG. 9  shows a flow diagram  900  of other logic the rewards program system may use. The rewards program system logic implements a method that includes accessing, in at least one memory, transaction data between customers and merchants for purchases by the customers of goods and/or services offered by merchants ( 902 ). The transaction data includes a transaction record for each transaction between merchants and customers. The rewards program system  102  determines whether the transaction record identifies a promotion transaction that identifies a transaction completed using a promotion generated by the promotion system ( 904 ). When the transaction record identifies a promotion transaction (e.g., redeeming a coupon discount), a member customer and a member merchant to the rewards program transaction may be identified, and the rewards program system accrues rewards for the member customer and the member merchant ( 906 ). When the accrued rewards satisfy a redemption threshold the rewards program system may notify the member customer and the member merchant. When the accrued rewards satisfy the redemption threshold the member customer, or the member merchant, or another member merchant, or any combination thereof, may receive a promotion or a redemption amount to use for a current transaction (e.g., real-time notice) or future transaction. The notice to the member customer may be via preferences selected (e.g., email, voice mail, multimedia, physical mail). The rewards program system uses the transaction data to generate and/or update a customer profile for the member customer, and a credit card profile ( 908 ). The rewards program system also uses the transaction data to generate and/or update customer profile types (e.g., identify types of customers), and credit card profile types (e.g., identify types of credit card usage) ( 910 ). The rewards program system calculates a rewards program transaction return on investment (ROI) for the rewards program transaction for the member customers, and generates a rewards program strategy to offer promotions to customers based on the customer profile, or the customer profile types, or the credit card profile, or the credit card profile types, or the rewards program transaction ROI, or any combination thereof. 
     When the transaction record does not identify a rewards program transaction, the rewards program system may identify whether the transaction is a cash transaction or a credit card transaction ( 912 ). When the customer uses cash for the transaction, the merchant may enter the amount paid in cash by the customer into a point of sale device and enter a customer identifier (e.g., the customer&#39;s email address, telephone number, wallet token number) associated with the customer&#39;s rewards account. The rewards program system may store the customer identifier as unique rewards account information in the customer&#39;s profile. In practice, the rewards program system may receive the cash transaction information (which includes the customer identifier and the cash transaction amount), identify the customer using the customer identifier (by searching for the identifier in customer profiles), and credit the identified customer with the cash transaction. In this way, the rewards program system may incent the customer to share an email address when paying with cash. The rewards program system may receive from member merchants an email address for non-member customers completing cash transactions and track transactions (e.g., accrue potential rewards) for the email address used by the non-member customer, and email rewards to the non-member customer and offer to convert the non-member customer&#39;s account into a regular rewards account (e.g., create a rewards account) and thereby make the customer a member customer of the rewards program system. 
     When the transaction record identifies the transaction as a credit card transaction, the rewards program system may generate a credit card profile for the identified credit card number ( 914 ), even though the identity of the customer may not be known (e.g., the credit card number may be from a non-member customer or the rewards program system may have another/different credit card number associated with the member customer). The rewards program system attempts to match the credit card number and/or the transaction record (e.g., a cash transaction) with a member customer and identify a member merchant from the transaction record ( 916 ). When the rewards program system identifies a member customer and/or a member merchant the rewards program system accrues rewards for the member customer and the member merchant ( 906 ) and generates and/or updates a customer profile for the member customer ( 908 ). The rewards program system also uses the transaction data to generate and/or update customer profile types and credit card profile types ( 910 ). 
       FIG. 10  shows another configuration  1000  of the rewards program system  102 . The rewards program system  102  may include a processor  1002  coupled to a communications interface  1004  in communication with components of the configuration via a network. The rewards program system  102  includes one or more computer readable memories  1006  that include transaction data  1008 , credit cards information  1010  (e.g., one or more credit card numbers  1012  used as a customer identifiers), transaction amount  1014 , and merchant identifiers  1016 . The computer readable memories  1006  may also include various data to implement and maintain a rewards program for merchants, and produce analysis to offer merchants guarantees regarding the rewards to offer and the customers and customer profile types to target. 
     The rewards program system  102  may be deployed as a general computer system used in a networked deployment. The computer system may operate in the capacity of a server or as a client user computer in a server-client user network environment, or as a peer computer system in a peer-to-peer (or distributed) network environment. The computer system may also be implemented as or incorporated into various devices, such as a personal computer (PC), a tablet PC, a set-top box (STB), a personal digital assistant (PDA), a mobile device, a palmtop computer, a laptop computer, a desktop computer, a communications device, a wireless telephone, a land-line telephone, a control system, a camera, a scanner, a facsimile machine, a printer, a pager, a personal trusted device, a web appliance, a network router, switch or bridge, or any other machine capable of executing a set of instructions (sequential or otherwise) that specify actions to be taken by that machine. In a particular embodiment, the computer system may be implemented using electronic devices that provide voice, video or data communication. Further, while a single computer system may be illustrated, the term “system” shall also be taken to include any collection of systems or sub-systems that individually or jointly execute a set, or multiple sets, of instructions to perform one or more computer functions. 
     The computer system may include a processor, such as, a central processing unit (CPU), a graphics processing unit (GPU), or both. The processor may be a component in a variety of systems. For example, the processor may be part of a standard personal computer or a workstation. The processor may be one or more general processors, digital signal processors, application specific integrated circuits, field programmable gate arrays, servers, networks, digital circuits, analog circuits, combinations thereof, or other now known or later developed devices for analyzing and processing data. The processors and memories discussed herein, as well as the claims below, may be embodied in and implemented in one or multiple physical chips or circuit combinations. The processor may execute a software program, such as code generated manually (i.e., programmed). 
     The computer system may include a memory that can communicate via a bus. The memory may be a main memory, a static memory, or a dynamic memory. The memory may include, but may not be limited to computer readable storage media such as various types of volatile and non-volatile storage media, including but not limited to random access memory, read-only memory, programmable read-only memory, electrically programmable read-only memory, electrically erasable read-only memory, flash memory, magnetic tape or disk, optical media and the like. In one case, the memory may include a cache or random access memory for the processor. Alternatively or in addition, the memory may be separate from the processor, such as a cache memory of a processor, the memory, or other memory. The memory may be an external storage device or database for storing data. Examples may include a hard drive, compact disc (“CD”), digital video disc (“DVD”), memory card, memory stick, floppy disc, universal serial bus (“USB”) memory device, or any other device operative to store data. The memory may be operable to store instructions executable by the processor. The functions, acts or tasks illustrated in the figures or described herein may be performed by the programmed processor executing the instructions stored in the memory. The functions, acts or tasks may be independent of the particular type of instructions set, storage media, processor or processing strategy and may be performed by software, hardware, integrated circuits, firm-ware, micro-code and the like, operating alone or in combination. Likewise, processing strategies may include multiprocessing, multitasking, parallel processing and the like. 
     The computer system may further include a display, such as a liquid crystal display (LCD), an organic light emitting diode (OLED), a flat panel display, a solid state display, a cathode ray tube (CRT), a projector, a printer or other now known or later developed display device for outputting determined information. The display may act as an interface for the user to see the functioning of the processor, or specifically as an interface with the software stored in the memory or in the drive unit. 
     Additionally, the computer system may include an input device configured to allow a user to interact with any of the components of system. The input device may be a number pad, a keyboard, or a cursor control device, such as a mouse, or a joystick, touch screen display, remote control or any other device operative to interact with the system. 
     The computer system may also include a disk or optical drive unit. The disk drive unit may include a computer-readable medium in which one or more sets of instructions, e.g. software, can be embedded. Further, the instructions may perform one or more of the methods or logic as described herein. The instructions may reside completely, or at least partially, within the memory and/or within the processor during execution by the computer system. The memory and the processor also may include computer-readable media as discussed above. 
     The present disclosure contemplates a computer-readable medium that includes instructions or receives and executes instructions responsive to a propagated signal, so that a device connected to a network may communicate voice, video, audio, images or any other data over the network. Further, the instructions may be transmitted or received over the network via a communication interface. The communication interface may be a part of the processor or may be a separate component. The communication interface may be created in software or may be a physical connection in hardware. The communication interface may be configured to connect with a network, external media, the display, or any other components in system, or combinations thereof. The connection with the network may be a physical connection, such as a wired Ethernet connection or may be established wirelessly as discussed below. Likewise, the additional connections with other components of the DCBR system  102  may be physical connections or may be established wirelessly. In the case of a service provider server, the service provider server may communicate with users through the communication interface. 
     The network may include wired networks, wireless networks, or combinations thereof. The wireless network may be a cellular telephone network, an 802.11, 802.16, 802.20, or WiMax network. Further, the network may be a public network, such as the Internet, a private network, such as an intranet, or combinations thereof, and may utilize a variety of networking protocols now available or later developed including, but not limited to TCP/IP based networking protocols. 
     The computer-readable medium may be a single medium, or the computer-readable medium may be a single medium or multiple media, such as a centralized or distributed database, and/or associated caches and servers that store one or more sets of instructions. The term “computer-readable medium” may also include any medium that may be capable of storing, encoding or carrying a set of instructions for execution by a processor or that may cause a computer system to perform any one or more of the methods or operations disclosed herein. 
     The computer-readable medium may include a solid-state memory such as a memory card or other package that houses one or more non-volatile read-only memories. The computer-readable medium also may be a random access memory or other volatile re-writable memory. Additionally, the computer-readable medium may include a magneto-optical or optical medium, such as a disk or tapes or other storage device to capture carrier wave signals such as a signal communicated over a transmission medium. A digital file attachment to an email or other self-contained information archive or set of archives may be considered a distribution medium that may be a tangible storage medium. The computer-readable medium may comprise a tangible storage medium. In some embodiments, the computer-readable medium may comprise a non-transitory medium. Accordingly, the disclosure may be considered to include any one or more of a computer-readable medium or a distribution medium and other equivalents and successor media, in which data or instructions may be stored. 
     Alternatively or in addition, dedicated hardware implementations, such as application specific integrated circuits, programmable logic arrays and other hardware devices, may be constructed to implement one or more of the methods described herein. Applications that may include the apparatus and systems of various embodiments may broadly include a variety of electronic and computer systems. One or more embodiments described herein may implement functions using two or more specific interconnected hardware modules or devices with related control and data signals that may be communicated between and through the modules, or as portions of an application-specific integrated circuit. Accordingly, the present system may encompass software, firmware, and hardware implementations. 
     The methods described herein may be implemented by software programs executable by a computer system. Further, implementations may include distributed processing, component/object distributed processing, and parallel processing. Alternatively or in addition, virtual computer system processing maybe constructed to implement one or more of the methods or functionality as described herein. 
     Although components and functions are described that may be implemented in particular embodiments with reference to particular standards and protocols, the components and functions are not limited to such standards and protocols. For example, standards for Internet and other packet switched network transmission (e.g., TCP/IP, UDP/IP, HTML, and HTTP) represent examples of the state of the art. Such standards are periodically superseded by faster or more efficient equivalents having essentially the same functions. Accordingly, replacement standards and protocols having the same or similar functions as those disclosed herein are considered equivalents thereof. 
     The illustrations described herein are intended to provide a general understanding of the structure of various embodiments. The illustrations are not intended to serve as a complete description of all of the elements and features of apparatus, processors, and systems that utilize the structures or methods described herein. Many other embodiments may be apparent to those of skill in the art upon reviewing the disclosure. Other embodiments may be utilized and derived from the disclosure, such that structural and logical substitutions and changes may be made without departing from the scope of the disclosure. Additionally, the illustrations are merely representational and may not be drawn to scale. Certain proportions within the illustrations may be exaggerated, while other proportions may be minimized. Accordingly, the disclosure and the figures are to be regarded as illustrative rather than restrictive. 
     The above disclosed subject matter is to be considered illustrative, and not restrictive, and the appended claims are intended to cover all such modifications, enhancements, and other embodiments, which fall within the true spirit and scope of the description. Thus, to the maximum extent allowed by law, the scope is to be determined by the broadest permissible interpretation of the following claims and their equivalents, and shall not be restricted or limited by the foregoing detailed description.