CONSUMER COMMERCIAL BEHAVIOR MODIFICATION THROUGH MULTIPLE MERCHANT INCENTIVE PROGRAM

摘要

A multi-provider rewards program in which rewards areawarded for a series of transactions using an account in a transactionprocessingsystem. The transaction processing system includes at least oneissuer, at least one acquirer, a plurality of resource providers, atransactionhandler, a rewards program rule implementer having access to therewards program database, and an implementer processor. The implementerprocessor receives transaction data whenever a transaction occursusing the consumer account, uses the transaction data to determine whena consumer has performed the separate transactions associated with eachof a plurality of merchants that are required by a rewards rule and when aconsumer has performed the separate transactions with each of the pluralityof resource providers, and identifies a reward for the consumer thatperformed the transactions.