| ALLIANCE DATA SYSTEMS CORPORATION Patent applications |
| Patent application number | Title | Published |
|---|
| 20120029996 | Loyalty-Based Credit Prescreening System - An integrated credit and loyalty offering to a retailer maximizes the effectiveness of both programs. The integrated system allows a retailer to enroll customers in a loyalty program, then solicit only pre-qualified customers immediately upon receipt of demographic information corresponding to the customer. The integrated system accepts transaction data from the retailer's loyalty program through the retailer's POS system to the credit prescreening program and awards appropriate loyalty rewards, as well as authorizing the retailer to offer credit to the pre-qualified customers. The credit prescreening process is done in real time as part of a retail transaction with the customer. | 02-02-2012 |
| 20100049651 | Loyalty-Based Credit Prescreening System - An integrated credit and loyalty offering to a retailer maximizes the effectiveness of both programs. The integrated system allows a retailer to enroll customers in a loyalty program, then solicit only pre-qualified customers immediately upon receipt of demographic information corresponding to the customer. The integrated system accepts transaction data from the retailer's loyalty program through the retailer's POS system to the credit prescreening program and awards appropriate loyalty rewards, as well as authorizing the retailer to offer credit to the pre-qualified customers. The credit prescreening process is done in real time as part of a retail transaction with the customer. | 02-25-2010 |
| 20090099914 | AUTOMATED TRANSACTIONAL CREDIT SYSTEM AND METHOD FOR ELECTRONIC TRANSACTIONS - In a transactional credit system and method, a consumer makes a purchase on a merchant's website. Before the consumer can select a payment option, a webpage requests that the consumer enter her name and shipping or billing address. Using this information, the system determines first whether to make an offer for a transactional credit product to the consumer and second whether the consumer pre-qualifies for the transactional credit product if the offer is to be made. If the consumer pre-qualifies, an additional webpage is incorporated into the merchant's website that offers the transactional credit product to the consumer to pay for the web-based transaction before the consumer is directed to any order confirmation or payment webpage on the website. If the consumer accepts the offer, the system performs any necessary authorizations or instant credit applications and applies the transactional credit product to the web-based transaction. | 04-16-2009 |
| 20080270245 | System For Processing Stored Value Instrument - Disclosed is a method for managing at least one transaction through traditional credit card authorization payment infrastructures by supplying personal account numbers to retailers. Personal account numbers correspond to issuer managed accounts that may be assigned at point of sale, and activated at redemption, and may restrict which merchants can process the personal account number to extract value therefrom. Also disclosed is an apparatus for distribution in retail and redemption at selected redemption sites. The apparatus is a card that includes machine readable code and account information where at least some of data corresponding to the machine readable code differs from the account information. The card may configured to retain a personal account number or other account information compatible with selected redemption site interfaces. Redemption can be limited to selected retailers or groups of retailers. | 10-30-2008 |
