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WO2006019359A1 - Systeme et procede destines a convertir des points de fidelite en credit de conversation en vue de l'utilisation d'un reseau radiotelephonique cellulaire - Google Patents

Systeme et procede destines a convertir des points de fidelite en credit de conversation en vue de l'utilisation d'un reseau radiotelephonique cellulaire Download PDF

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Publication number
WO2006019359A1
WO2006019359A1 PCT/SG2005/000280 SG2005000280W WO2006019359A1 WO 2006019359 A1 WO2006019359 A1 WO 2006019359A1 SG 2005000280 W SG2005000280 W SG 2005000280W WO 2006019359 A1 WO2006019359 A1 WO 2006019359A1
Authority
WO
WIPO (PCT)
Prior art keywords
loyalty
subscriber
points
loyalty points
details
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/SG2005/000280
Other languages
English (en)
Inventor
Eugenio Donato Renato Limlengco Enriquez
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Paysetter Pte Ltd
Original Assignee
Paysetter Pte Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Paysetter Pte Ltd filed Critical Paysetter Pte Ltd
Publication of WO2006019359A1 publication Critical patent/WO2006019359A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/43—Billing software details
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/80—Rating or billing plans; Tariff determination aspects
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0152—General billing plans, rate plans, e.g. charge rates, numbering plans, rate centers, customer accounts
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0192—Sponsored, subsidised calls via advertising, e.g. calling cards with ads or connecting to special ads, free calling time by purchasing goods

Definitions

  • the present invention relates to a system and method for converting loyalty points to airtime credit for use of a cellular radio telephone network.
  • Payment for the use of cellular radio telephone services can be effected in a number of ways.
  • Traditional users of cellular radio telephone services have a service contract in which they are billed on a regular basis for the services that they use.
  • pre-paid mobile services is becoming increasingly popular.
  • pre-paid mobile services a customer pre-pays for the service by purchasing a certain amount of 'credit' and which is then credited towards the services used by the customer. Credit can be purchased in a number of ways - electronically, via phone and through the purchase of cards. When the customer has used up his credit then he must purchase additional credit.
  • Loyalty/Reward Point Systems are airline frequent flyer miles, credit card Loyalty/Reward points, or any other similar reward structure where customer loyalty, employee Loyalty/Reward or frequent use of a product or service are rewarded with non-financial "reward" credits which can be converted to other services such as gifts, discounts and upgrades to services.
  • the current manual system for redeeming points awarded varies, but typically requires that the customer calls or writes to a customer service call centre of the organization from which he wishes to redeem his points. The customer would then need to visit an item redemption centre and/or submit a signed statement stating which items he wished to acquire in exchange for a certain number of points. Once this information is submitted to the organization, the information is then manually verified to determine if the customer has sufficient points for the required item and that the item is in stock. If this is the case, then the required item is then dispatched to the customer in a suitable way - typically by post - or the customer has to call at a service desk with appropriate documentation.
  • the complete transaction can take some time to complete.
  • a system for converting accumulated loyalty points in a loyalty programme of a company to airtime credit on a telecommunications network such as a cellular radio telephone network including:
  • a system for converting accumulated loyalty points in a loyalty programme of a company to airtime credit on a telecommunications network such as a cellular radio telephone network including:
  • the request may include details of the number of accumulated loyalty points to be converted, and/or details of how often the loyalty points are to be converted.
  • the system may include means for registering the subscriber prior to converting points to airtime credit.
  • the system may include means for requesting details of a personal identification number, and only proceeding to convert the points to airtime credit upon receipt of the correct personal identification number.
  • the personal identification number details are linked to the customer network account initially and are then not required for subsequent transactions.
  • the requests are preferably SMS messages.
  • a method for converting accumulated loyalty points in a loyalty programme of a company to airtime credit on a telecommunications network such as a cellular radio telephone network including the steps of:
  • the customer network account is said network account.
  • the customer network account is another customer network account.
  • the request may include details of the number of accumulated loyalty points to be converted, and/or details of how often the loyalty points are to be converted.
  • the method may also include the step of registering the subscriber prior to converting points to airtime credit.
  • the method may also include the step of requesting details of a personal identification number, and only proceeding to convert the points to airtime credit upon receipt of the correct personal identification number.
  • the requests are preferably SMS messages.
  • a service centre for converting loyalty points accrued in a loyalty programme of a company, into airtime credit for a subscriber of a telecommunications network, said service centre having processor means and associated memory means and having input/output means for receiving and sending messages, said input/output means being arranged to receive a request initiated by a said subscriber having a network account and holding accumulated loyalty points, the request including details of the loyalty programme; said processor means communicating via said input/output means with said company to verify that the subscriber holds a predetermined number of loyalty points allocated by the loyalty programme; and said processor means communicating via said input/output means with said telecommunications network to arrange crediting a customer network account with airtime credit in response to a verification that the subscriber holds the predetermined number of loyalty points, and said processor means communicating via said input/output means with said company to debit said accumulated loyalty points by said predetermined amount.
  • the request includes details of the number of accumulated loyalty points to be converted.
  • the request includes details of how often the loyalty points are to be converted.
  • said service centre includes a database to record subscriber details for each said subscriber, prior to converting points to airtime credit.
  • said service centre includes a database to record subscriber details and a personal identification number for each said subscriber, where said processor means processor means proceeds to communicating with said company to verify that the subscriber holds a predetermined number of loyalty points allocated by the loyalty programme only upon receipt of the correct personal identification number.
  • the requests are SMS messages.
  • all messages passing through said input/output means are SMS messages.
  • machine readable media containing software instructions for a service centre as described above.
  • the invention does not process a financial transaction, but rather only targets the accumulated points that a subscriber has accumulated. It allows a subscriber to use up their accumulated points instead of purchasing airtime credits, thus providing a very economical way of reloading airtime credits and maximizing the use of their accumulated points.
  • the subscriber has the option of specifying a conversion interval for regular, automated conversions of his Reward/Loyalty points into airtime credits.
  • the invention allows subscribers to greatly simplify the process of redeeming their accumulated points and increasing the options available for convenient reloading of airtime credits. Also, the invention allows subscribers to redeem their points anytime, any day, even on weekends and after normal business hours, as the invention does not require any over-the-counter interaction with a staff from the participating organizations/companies.
  • FIG. 1 is a schematic representation of a system for converting loyalty points to airtime credit for use of a cellular radio telephone network.
  • Figure 1 illustrates schematically a cellular radio telephone network 100 including a central switching centre (cellular switching network) 101 , a multiplicity of base stations 102 and many cellular radio telephones 103.
  • the telephones 103 are able to communicate with other telephones of this - and other - networks via the base stations 102 and the central switching centre 101.
  • the configuration and operation of cellular radio telephone networks is well known to persons skilled in the art, and, in so far as it is not relevant to the present invention, need not be described in any further detail herein.
  • the network 100 enables the sending and receiving of voice calls, SMS (short message service), MMS (multimedia messaging services), email, internet access and other available network services. Again, the operation and configuration of these services is also well known to persons skilled in the art.
  • the switching centre 101 includes a billing and account system 10, and a SMS centre (SMSC) 11.
  • the billing and account system 10 operates to manage the billing and accounting services of the subscribers of the telecommunications carrier operating on the network 100, and the SMSC 11 operates to manage the SMS service provided on the network.
  • the SMSC 11 includes a server (not shown) which is operable to perform the functions required by the SMSC 11.
  • the network includes a service centre 104 which is operable to provide the service that is the subject of the present description - that is a system for converting loyalty points to airtime credit - that will be described in further detail below.
  • the service centre 104 includes a server 15 and database 16, and is operable to receive SMS messages from the SMSC 11 , and is coupled to the billing and account system 10.
  • This service centre server 15 and database 16 are arranged to send and receive SMS messages required to implement the present invention.
  • the billing and account system 10 includes a database (not shown) holding required subscriber information and one or more servers (not shown) to implement the required services. Again, the use of such billing and account services is common in cellular radio telephone network services and need not be described in any further detail herein.
  • the SMSC 11 receives SMS messages sent by subscribers to the network 100, and processes them to be sent to the intended recipient - whether subscribers to this or other networks. Conversely, it processes SMS messages received from outside the network 100 to send them onto subscriber recipients. Again, the process for sending, processing and receiving SMS messages is well known. In the system and method of the present invention, subscribers are able to convert accumulated loyalty points to airtime credit for use of network services. In the system and method of this embodiment the SMSC 11 will only be receiving and processing SMS messages sent by subscribers of the network.
  • the system is described with reference to a subscriber 13 who has a pre-paid payment plan for use of the network 100.
  • the subscriber 13 is able to 'credit' his account with a chosen value of credit using any of the suitable known means - for example electronically as referred to above.
  • the information regarding the subscriber's account and the amount of credit is stored in the billing and accounting system 10 data indicating that the subscriber 13 has credit that he can use to pay for network services. This is well known feature of cellular radio telephone networks.
  • the subscriber is also a member of a customer loyalty program - for example provided by a credit card company.
  • the credit card company is also registered with the cellular radio telephone network 100.
  • the credit card company also has a one - or more - servers 200 which are able to interface with the switching centre 101.
  • the method of interfacing with the switching centre 101 may be of any suitable, known, means.
  • the server 200 includes a database 201 which stores information regarding customers and their accumulation of loyalty points.
  • the company server 200 is also arranged to communicate with the service centre 104 and in particular the service centre server 15.
  • the system operates to convert accumulated loyalty points into airtime credit in the following manner:
  • Registration is the prerogative of the loyalty points provider (eg a credit card company) and protects against denial of service attacks etc. A more aggressive loyalty points provider considering that registration is an inconvenience, may opt to not require registration.
  • Registration verifies that a subscriber is a customer of the loyalty scheme provider such as the credit card company discussed above. This registration process links the ownership of the loyalty scheme account with a particular network subscriber account e.g. a mobile number. The customer will have been provided with the keyword which identifies the company with which the registration is linked to, an account identifier (such as a credit card number), as well as a security code (SERVICE_PIN).
  • a security code is not necessary for the invention, but is preferred for extra security.
  • Other means for validating the card owner could include data such as birthdate, card validity date, billing address, or in the case of a credit card, the 3-digit CW on the rear of the credit card.
  • Alternative means to validate the owner of the card could be a customer service calling the phone number and asking the subscriber certain questions that only the card owner should know.
  • the subscriber In order to register, the subscriber needs to send a registration SMS to the cellular network provider and which will be processed by the SMSC 11.
  • the SMS includes sender and recipient identification details as well as a main body of predetermined maximum length.
  • the format of the registration SMS is as follows:
  • This registration SMS is sent to a special access number, which identifies the recipient of the SMS to be the service centre 104, and the server 15.
  • KEYWORD UBVISA (a credit card provider)
  • the completed registration SMS would then be: UBVISA REG 9999888877776666 1234, and sent to: 2318
  • the SMSC 11 When the SMSC 11 receives the registration request SMS, it determines from the access number that it is intended for the dedicated service centre server 15. Upon receipt of the registration request SMS, the service centre server 15 parses the SMS to determine the information contained therein - as is well known in the art. The service centre server 15 determines that the SMS is a registration request and interfaces with the company server 200 which, in response generates a Mobile PIN (MPIN) for use in all future transactions. The company server 200 returns this MPIN to the service centre server 15, which then sends this MPIN to the subscriber in an SMS message. The service centre server 15 stores the MPIN in the database 16. As an alternative, the MPIN can be stored at the company server 200.
  • MPIN can be stored at the company server 200.
  • the registration process is carried before the subscriber can begin to use the service.
  • the registration process is required to be done initially, and subsequent requests for top-up credit do not require the registration/ authentication process.
  • an authentication process can be carried out before each loyalty point conversion request.
  • the company server 200 can be operable to provide a data file of pre-enrolled subscribers to the service centre server 15. This data is then stored on the database 16 and used to authenticate requests for loyalty point conversion.
  • the subscriber can then proceed to convert accumulated points into airtime credits by sending a specifically formatted SMS to the special access number referred to above so as to be received by the service centre 104 and processed by the server 15 as discussed in more detail below.
  • the ratio of points to airtime credit conversion will depend on the agreement the company and the network provider.
  • the SMS body for a request to convert loyalty points to airtime credit will have the following format, and will be sent to the same special access number referred to above.
  • the format of the message will detail the keyword used in the initial registration step above, the number of points that the subscriber wishes to redeem (L0AD__AMT), his subscriber mobile number, and the time interval at which the subscriber wishes these points to be redeemed (INTERVAL).
  • the option of setting an interval at which points can be redeemed is an optional feature.
  • the format is as follows:
  • KEYWORD UBViSA (a credit card provider)
  • the service centre server 15 Upon receipt of the SMS, the service centre server 15 will reply to the subscriber with a challenge SMS requesting that the subscriber reply to the message with their MPIN for identity verification. The service centre server 15 will also generate a transaction ID that will be stored in the database 16. Upon receipt of a response to the challenge SMS, the service centre server 15 will determine whether the MPIN received from the subscriber is valid. Should the MPIN be valid, the service centre server 15 will interface with the company server 200 to verify that the subscriber has enough loyalty points to complete the transaction. An alternative to the challenge SMS may be to require the MPIN be included in the original message, or perhaps not to require a validation PIN.
  • the company server 200 Upon receipt of a request from the service centre server 15, the company server 200 will check the subscriber account details in the database and will send a confirmatory message to the service centre server 15 that there are enough loyalty points in the subscriber's account. The company server 200 will amend the record in the database 201 to deduct the requisite number of loyalty points from the subscribers loyalty account. In response to this verification being received by the service centre server 15, then the service centre server 15 will, in real-time, credit the subscriber account with the amount requested by interfacing with the billing and accounting system 10. The service centre server 15 will then send a confirmation SMS - via the SMSC 11 - with a trace number to the subscriber verifying the transaction. This trace number can be used for any future investigations regarding the transaction.
  • a confirmation SMS would be as follows:
  • the error SMS would be of the form:
  • SMSC server 15 will still go through the process of verifying that the subscriber has enough loyalty points to perform the transaction at every scheduled conversion request and send the appropriate success/error SMS messages.
  • the subscriber can also target other mobile phone numbers to reload them with airtime credits from his loyalty points.
  • he sends a specifically formatted SMS to the special access number but specifies the other cellular phone number as the target of the transaction (TARGET MOBILE NUMBER).
  • TARGET MOBILE NUMBER the target of the transaction
  • KEYWORD UBViSA
  • the completed SMS body would then be:
  • the SMSC 11 will also send a confirmation SMS to the recipient of the credits.
  • a sample confirmation message is:
  • the SMSC 11 will still go through the process of verifying that the subscriber has enough loyalty points to perform the transaction at every scheduled conversion request and send the appropriate success/error SMS messages as detailed above.
  • the scope of this invention is not confined to the particular embodiment described above. For example, it can be used for both pre ⁇ paid and post-paid accounts.
  • the invention can be used with any loyalty/ reward scheme that can interface with a cellular radio telephone network.
  • the format of the SMS messages can be of any suitable type and contain any appropriate wording.
  • Other forms of communication can be used - such as MMS, VVAP CDMA etc.
  • the company server 200 can be operable to accumulate instructions for loyalty points conversion and provide them in a file to the service centre server 15 in batch mode.

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  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Economics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

L'invention concerne un système et un procédé destinés à convertir des points de fidélité d'une compagnie en crédit de conversation pour un abonné d'un réseau radiotéléphonique cellulaire. Un abonné peut envoyer un message SMS à un serveur de centre de services (15), lequel, en réponse au SMS, se met en interface avec un serveur de compagnie (200) et une base de données (201) comprenant les détails des points de fidélité accumulés par l'abonné. Si le serveur de la compagnie établit que l'abonné possède suffisamment de points de fidélité, il le communique au serveur de centre de services, lequel crédite automatiquement le compte de l'abonné avec le temps de conversation correspondant. Le message SMS peut inviter l'abonné à utiliser ces crédits à des intervalles prédéterminés. L'invention permet d'obtenir rapidement et à tout moment un crédit de conversation à partir de points de fidélité.
PCT/SG2005/000280 2004-08-18 2005-08-17 Systeme et procede destines a convertir des points de fidelite en credit de conversation en vue de l'utilisation d'un reseau radiotelephonique cellulaire Ceased WO2006019359A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SG200404694-2 2004-08-18
SG200404694A SG120180A1 (en) 2004-08-18 2004-08-18 System and method for converting loyalty points toairtime credit for use of a cellular radio teleph one network

Publications (1)

Publication Number Publication Date
WO2006019359A1 true WO2006019359A1 (fr) 2006-02-23

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PCT/SG2005/000280 Ceased WO2006019359A1 (fr) 2004-08-18 2005-08-17 Systeme et procede destines a convertir des points de fidelite en credit de conversation en vue de l'utilisation d'un reseau radiotelephonique cellulaire

Country Status (2)

Country Link
SG (1) SG120180A1 (fr)
WO (1) WO2006019359A1 (fr)

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102006034889A1 (de) * 2006-07-25 2008-01-31 Peetz, Jürgen Verfahren zur Nutzung eines Telekommunikationsnetzwerks
EP1898369A1 (fr) * 2006-07-25 2008-03-12 Jürgen Peetz Procédé destiné à l'utilisation d'un réseau de télécommunication
US8668146B1 (en) 2006-05-25 2014-03-11 Sean I. Mcghie Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds
US8684265B1 (en) 2006-05-25 2014-04-01 Sean I. Mcghie Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds
US8763901B1 (en) 2006-05-25 2014-07-01 Sean I. Mcghie Cross marketing between an entity's loyalty point program and a different loyalty program of a commerce partner
US9704174B1 (en) 2006-05-25 2017-07-11 Sean I. Mcghie Conversion of loyalty program points to commerce partner points per terms of a mutual agreement
US10062062B1 (en) 2006-05-25 2018-08-28 Jbshbm, Llc Automated teller machine (ATM) providing money for loyalty points

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WO2001039053A2 (fr) * 1999-11-23 2001-05-31 Nokia Corporation Procede et appareil permettant d'acceder a un programme interactif de fidelisation par prime par le biais d'un reseau de radiocommunications
WO2002052462A1 (fr) * 2000-12-22 2002-07-04 Global Digital Technology Holdings Limited Systeme de plate-forme de developpement, de gestion et de recompense de fidelite de client
WO2003088108A1 (fr) * 2002-04-18 2003-10-23 Koninklijke Philips Electronics N.V. Systeme et procede securises permettant de recompenser des clients
WO2004004347A2 (fr) * 2002-06-26 2004-01-08 Saj Muzaffar Systeme et procede de mise a disposition d'une recompense
WO2004042520A2 (fr) * 2002-11-04 2004-05-21 Motorola, Inc. Procede et reseau de communication pour recompenser des abonnes en fonction de l'utilisation de tranches horaires
WO2004077320A1 (fr) * 2003-02-25 2004-09-10 John Francis Heath Systemes de recompense

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001039053A2 (fr) * 1999-11-23 2001-05-31 Nokia Corporation Procede et appareil permettant d'acceder a un programme interactif de fidelisation par prime par le biais d'un reseau de radiocommunications
WO2002052462A1 (fr) * 2000-12-22 2002-07-04 Global Digital Technology Holdings Limited Systeme de plate-forme de developpement, de gestion et de recompense de fidelite de client
WO2003088108A1 (fr) * 2002-04-18 2003-10-23 Koninklijke Philips Electronics N.V. Systeme et procede securises permettant de recompenser des clients
WO2004004347A2 (fr) * 2002-06-26 2004-01-08 Saj Muzaffar Systeme et procede de mise a disposition d'une recompense
WO2004042520A2 (fr) * 2002-11-04 2004-05-21 Motorola, Inc. Procede et reseau de communication pour recompenser des abonnes en fonction de l'utilisation de tranches horaires
WO2004077320A1 (fr) * 2003-02-25 2004-09-10 John Francis Heath Systemes de recompense

Cited By (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8789752B1 (en) 2006-05-25 2014-07-29 Sean I. Mcghie Conversion/transfer of in-game credits to entity independent or negotiable funds
US8944320B1 (en) 2006-05-25 2015-02-03 Sean I. Mcghie Conversion/transfer of non-negotiable credits to in-game funds for in-game purchases
US8668146B1 (en) 2006-05-25 2014-03-11 Sean I. Mcghie Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds
US8684265B1 (en) 2006-05-25 2014-04-01 Sean I. Mcghie Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds
US8763901B1 (en) 2006-05-25 2014-07-01 Sean I. Mcghie Cross marketing between an entity's loyalty point program and a different loyalty program of a commerce partner
US8783563B1 (en) 2006-05-25 2014-07-22 Sean I. Mcghie Conversion of loyalty points for gaming to a different loyalty point program for services
US10062062B1 (en) 2006-05-25 2018-08-28 Jbshbm, Llc Automated teller machine (ATM) providing money for loyalty points
US9704174B1 (en) 2006-05-25 2017-07-11 Sean I. Mcghie Conversion of loyalty program points to commerce partner points per terms of a mutual agreement
US8973821B1 (en) 2006-05-25 2015-03-10 Sean I. Mcghie Conversion/transfer of non-negotiable credits to entity independent funds
US8833650B1 (en) 2006-05-25 2014-09-16 Sean I. Mcghie Online shopping sites for redeeming loyalty points
US8794518B1 (en) 2006-05-25 2014-08-05 Sean I. Mcghie Conversion of loyalty points for a financial institution to a different loyalty point program for services
US8950669B1 (en) 2006-05-25 2015-02-10 Sean I. Mcghie Conversion of non-negotiable credits to entity independent funds
DE102006034889A1 (de) * 2006-07-25 2008-01-31 Peetz, Jürgen Verfahren zur Nutzung eines Telekommunikationsnetzwerks
EP1898369A1 (fr) * 2006-07-25 2008-03-12 Jürgen Peetz Procédé destiné à l'utilisation d'un réseau de télécommunication
US8807427B1 (en) 2012-11-20 2014-08-19 Sean I. Mcghie Conversion/transfer of non-negotiable credits to in-game funds for in-game purchases

Also Published As

Publication number Publication date
SG120180A1 (en) 2006-03-28

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