Systems and Methods to Enable Offer and Rewards Marketing, and Customer Relationship Management (CRM) Network Platform

Abstract

Systems and methods for providing offers, incentives, and rewards across at least two merchants, wherein the system is operable to, in one embodiment, store a consumer profile including at least one account identifier, and wherein the at least one account identifier is related to at least one payment method. The system is further operable to receive at least one real-time purchase record and match elements of the real-time purchase record to the consumer profile, wherein the system is operable to provide merchant offers, incentives, and rewards based on the matching and the at least one real-time purchase record.

The invention claimed is: 
     
         1 . A system for providing offers, incentives, and rewards for at least two merchants comprising:
 a web tier hosted on a cloud network, wherein the web tier is in network communication with one or more consumer applications, merchant applications, or administrative applications;   a network services tier hosted on the cloud network and providing a backend set of services, the backend set of services operable for real-time communication with at least one financial services server, wherein the backend set of services is operable to redeem an offer for a consumer account, redeem an incentive for the consumer account, or credit a reward to the consumer account;   wherein the remote server computer is operable to store consumer information and at least one loyalty program enrollment associated with the consumer account, and wherein the consumer information includes an account identifier related to at least one payment method;   wherein the remote server computer is operable to manage merchant offers, incentives, and rewards across at least two merchants for the consumer account;   wherein the web tier is operable to receive a real-time purchase record with at least one corresponding consumer account number and a purchase amount, wherein the real-time purchase record further includes indication of a merchant, at least one purchased product or service, a corresponding device ID, and/or corresponding consumer contact information;   wherein the remote server computer is operable to identify a corresponding user account by matching the corresponding consumer account number with the account identifier and/or by matching the corresponding device ID and/or the corresponding consumer contact information with the stored consumer information;   wherein the remote server computer is operable to provide the merchant offers, incentives, or rewards based on the merchant of the real-time purchase record and the stored consumer information associated with the identified corresponding user account;   wherein the merchant offers, incentives, or rewards include at least one financing offer, incentive or reward; and   wherein upon acceptance of the at least one financing offer, the network services tier is operable to reimburse at least some amount of the purchase amount and charge the at least one payment method based on terms of the financing offer.   
     
     
         2 . The system of  claim 1 , wherein the financing offer is targeted based on the consumer information associated with the identified corresponding user account meeting pre-set criteria. 
     
     
         3 . The system of  claim 1 , wherein the at least one device includes an application, wherein the application is operable to track and store location, browsing, and purchasing information for the at least one device;
 wherein the application is further operable to construct a network activity record based on physical location, browsing, and purchasing information and transmit the network activity record to the remote server computer, the web tier, or the network service tier; and   wherein the remote server computer is further operable to update the consumer profile with the network activity record and provide the merchant offers, incentives, or rewards based on the network activity record.   
     
     
         4 . The system of  claim 1 , wherein the web tier is operable to construct a network activity record and transmit the network activity record to the remote server computer, wherein the network activity record includes e-commerce webpage views, online purchases, online shopping cart additions, online searches, social media posts, and/or other social media interactions. 
     
     
         5 . The system of  claim 1 , further including a tablet computer hosted at a physical commerce location, wherein the tablet computer is operable to receive the consumer information, including the account identifier related to at least one payment method, and transmit the consumer information to the remote server computer. 
     
     
         6 . The system of  claim 1 , further comprising at least one wireless router, wherein the at least one wireless router is operable to construct a physical presence indicator for at least one device in network communication with the at least one wireless router and transmit the physical presence indicator to the remote server computer. 
     
     
         7 . The system of  claim 6 , wherein the at least one wireless router is part of a network of routers, and wherein the routers of the network of routers are positioned throughout a physical commerce location. 
     
     
         8 . The system of  claim 1 , wherein the network services tier is operable to reimburse and/or charge the at least one payment method in real time or near-real time. 
     
     
         9 . The system of  claim 1 , wherein the account identifier related to the at least one payment method is a credit card number or debit card number. 
     
     
         10 . A system for providing offers, incentives, and rewards for at least two merchants comprising:
 a web tier hosted on a cloud network, wherein the web tier is in network communication with one or more consumer applications, merchant applications, or administrative applications;   a network services tier hosted on the cloud network and providing a backend set of services, the backend set of services operable for real-time communication with at least one financial services server, wherein the backend set of services is operable to redeem an offer for a consumer account, redeem an incentive for the consumer account, or credit a reward to the consumer account;   wherein the remote server computer is operable to store consumer information and at least one loyalty program enrollment associated with the consumer account, and wherein the consumer information includes an account identifier;   wherein the remote server computer is operable to communicate at least one offer, incentive, or reward based on the stored consumer information associated with the identified corresponding user account;   wherein the remote server computer is operable to manage offers, incentives, and rewards across at least two offers, incentives, or rewards programs for the consumer account;   wherein the remote server computer is operable to receive an indication of activation of the at least one offer, incentive, or reward;   wherein the web tier is operable to receive a real-time purchase record with at least one corresponding consumer account number and a purchase amount, wherein the real-time purchase record further includes indication of a merchant, at least one purchased product or service, a corresponding device ID, and/or corresponding consumer contact information;   wherein the remote server computer is operable to identify a corresponding user account by matching the corresponding consumer account number with the account identifier and/or by matching the corresponding device ID and/or the corresponding consumer contact information with the stored consumer information; and   wherein the remote server computer is operable to redeem the at least one offer, incentive, or reward for the consumer account.   
     
     
         11 . The system of  claim 10 , wherein the at least one offer, incentive, or reward is targeted based on browsing history, physical location history, purchase history, and/or demographics of the consumer information associated with the consumer account. 
     
     
         12 . The system of  claim 10 , wherein the network services tier is operable to debit or credit the at least one consumer account based on the at least one offer, incentive, or reward. 
     
     
         13 . The system of  claim 10 , wherein the remote server computer is further operable to communicate, activate, and redeem offers, incentives, or rewards using an external rewards program or an external points program. 
     
     
         14 . The system of  claim 13 , wherein the external rewards program or the external points program is associated with at least one payment method connected to the consumer account. 
     
     
         15 . The system of  claim 10 , wherein the remote server computer is operable to attach at least one pre-purchased offer to the at least one account and redeem the at least one pre-purchased offer. 
     
     
         16 . A method for providing offers, incentives, and rewards for at least two merchants comprising:
 storing consumer information and at least one loyalty program enrollment associated with the consumer account, and wherein the consumer information includes an account identifier;   managing offers, incentives, and rewards across at least two offers, incentives, or rewards programs for the consumer account;   communicating at least one offer, incentive, or reward based on the stored consumer information associated with the identified corresponding user account;   receiving an indication of activation of the at least one offer, incentive, or reward;   receiving a real-time purchase record with at least one corresponding consumer account number and a purchase amount, wherein the real-time purchase record further includes indication of a merchant, at least one purchased product or service, a corresponding device ID, and/or corresponding consumer contact information;   identifying a corresponding user account by matching the corresponding consumer account number with the account identifier and/or by matching the corresponding device ID and/or the corresponding consumer contact information with the stored consumer information; and   redeeming the at least one offer, incentive, or reward for the consumer account.   
     
     
         17 . The method of  claim 16 , further comprising a network services tier communicating with at least one financial services network and receiving the real-time purchase record via the financial services network. 
     
     
         18 . The method of  claim 17 , further comprising reimbursing and/or charging at least one payment method in real time or near-real time. 
     
     
         19 . The method of  claim 16 , further comprising charging and/or reimbursing at least one payment method using the account identifier, wherein the account identifier is a credit card number or debit card number. 
     
     
         20 . The method of  claim 16 , wherein the communication of the at least one offer, incentive, or reward is targeted, and wherein the communication occurs before the corresponding user account has been identified or upon identification of the corresponding user account.