Patent ID: 8666805

Claim:
A method of inducing customer loyalty, the method comprising: identifying a loyalty account associated with a consumer and a retailer by a hardware processor of a point of sale (POS) device; determining by the hardware processor of the POS device an amount owed by the consumer in connection with a transaction with the retailer; determining by the hardware processor of the POS device an amount of cash received from the consumer as payment for the amount owed; determining by the hardware processor of the POS device an amount of change as the difference between the amount of cash received and the amount owed; designating by the hardware processor of the POS device at least a portion of the amount of change as to be deposited into a monetary account linked to the consumer's loyalty account; determining by the hardware processor of the POS device if the consumer is entitled to a reward based on the depositing of the designated amount of change into the monetary account and at least one threshold; and displaying to the consumer the outcome of the determining.