Patent ID: 8484078

Claim:
A system for registering consumers and associated forms of payment in a consumer program, the system comprising: a computer-server connected to a network; a database connected to the computer-server for storing consumer information; wherein the computer-server is operable to: receive, from a payment system via electronic communications over the network, a token associated with a form of payment, wherein the form of payment is associated with a transaction initiated by the consumer at a merchant associated with the consumer program; compare the token associated with the form of payment with consumer program member records of the database to determine whether the form of payment is associated with a registered consumer program member; if the comparison determines that the token is not associated with a registered consumer program member, instruct a point of sale terminal at the merchant to input an electronic address associated with a client device of the consumer; transmit information for registering in the consumer program to the electronic address associated with the client device of the consumer, wherein the electronic address was entered into the point of sale terminal at the merchant; receive an electronic communication from the consumer indicating that the consumer is registering the form of payment in the consumer program, wherein the electronic communication is an electronic message; and upon receipt of the electronic message, store the token associated with the form of payment in a record associated with the consumer in the database.