Communication system and method for narrowcasting

Abstract

A system includes an offer datastores including one or more offers from one or more merchants, a registered card module to register one or more payment cards to be used for a purchase transaction, a transaction matching module to identify the one or more merchants from a collection of purchase transaction data and to match the purchase transaction of the identified one or more merchants with one or more offers in the offer datastore from the identified one or more merchants, and a rewards module to determine an incentive to be applied to the one or more payment cards based on any offer associated with the matched merchant and generate a qualified transaction data to be transmitted to an issuer of the one or more payment cards.

1 . A system, comprising:
 (a) an offer datastores including one or more offers from one or more merchants;   (b) a registered card module to register one or more payment cards to be used for a purchase transaction;   (c) a transaction matching module to identify the one or more merchants from a collection of purchase transaction data and to match the purchase transaction of the identified one or more merchants with one or more offers in the offer datastore from the identified one or more merchants; and   (d) a rewards module to determine an incentive to be applied to the one or more payment cards based on any offer associated with the matched merchant and generate a qualified transaction data to be transmitted to an issuer of the one or more payment cards.   
     
     
         2 . The system of  claim 1 , wherein the one or more merchants are identified by merchant tax identification number in the collection of purchase transaction data. 
     
     
         3 . The system of  claim 1 , further comprising a card processing module to determine the amount to be credited back to the one or more payment cards identified in the qualified transaction data. 
     
     
         4 . The system of  claim 3 , further comprising a statement generator to generate a card statement including itemized listing of the purchase transaction and the amount credited back to the one or more payment cards. 
     
     
         5 . The system of  claim 1 , further comprising a points module to convert a designated number of points into a monetary value and apply the converted monetary value to the purchase transaction. 
     
     
         6 . The system of  claim 1 , further comprising a points module to convert a designated number of points into a monetary value and apply the converted monetary value to a saving account. 
     
     
         7 . The system of  claim 1 , further comprising a points module to convert a designated number of points into a monetary value and apply the converted monetary value to a charity account.