US 12,073,392 B2
Payment integrated loyalty system
Tarique Al-Ansari, London (CA); Majid Abu Daia, London (CA); and Peter Gerard Nicholas Scheyen, London (CA)
Assigned to Paystone, Inc., London (CA)
Filed by PAYSTONE, INC., London (CA)
Filed on Dec. 30, 2022, as Appl. No. 18/148,803.
Application 18/148,803 is a continuation of application No. 16/749,479, filed on Jan. 22, 2020, granted, now 11,580,537.
Prior Publication US 2023/0141804 A1, May 11, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 30/0226 (2023.01)
CPC G06Q 20/3827 (2013.01) [G06Q 20/3821 (2013.01); G06Q 20/3823 (2013.01); G06Q 20/387 (2013.01); G06Q 20/407 (2013.01); G06Q 30/0229 (2013.01)] 25 Claims
OG exemplary drawing
 
1. A system comprising:
a point of sale terminal comprising:
a card reader;
a communication subsystem configured to communicate with a payment instrument, and configured to communicate over a network with at least a first server which is a loyalty server, and a plurality of different payment processing servers including a second server which is a payment processing server;
at least one processor in communication with the communication subsystem and card reader, configured to execute a loyalty agent for communicating with the first server, and a payment agent for communicating with the second server;
wherein the payment agent is configured to:
receive, via the card reader, a payment instrument identifier associated with the payment instrument;
receive an amount of a financial transaction;
obtain a fingerprint based on one-way encrypting the payment instrument identifier;
transmit, to the loyalty agent, the fingerprint without transmitting the payment instrument identifier;
wherein the loyalty agent is configured to:
transmit, to the first server via the communication subsystem, the fingerprint without transmitting the payment instrument identifier, wherein the first server obtains a loyalty system account identifier associated with the fingerprint;
receive, from the first server via the communication subsystem, a loyalty balance associated with the fingerprint without the loyalty system account identifier;
wherein the payment agent is configured to:
transmit, to the second server via the communication subsystem, the payment instrument identifier and a payment authorization request for authorization of the amount of the financial transaction;
receive, from the second server, a response to the payment authorization request that the amount of the financial transaction has been authorized for the payment instrument identifier;
transmit, to the loyalty agent, data representative of the amount of the financial transaction;
wherein the loyalty agent is configured to:
transmit, to the first server, the data representative of the amount of the financial transaction; and
wherein the payment instrument identifier and the loyalty system account identifier is unknown to the loyalty agent.