On a New Intangible Reward for Card-Linked Loyalty Programs

  • Albert SitekEmail author
  • Zbigniew Kotulski
Conference paper
Part of the Advances in Intelligent Systems and Computing book series (AISC, volume 889)


Card-Linked Loyalty is an emerging trend observed in the market to use payment card as a unique identifier for Loyalty Programs. This approach allows to redeem goods and collect bonus points directly during a payment transaction. In this paper, we proposed additional, intangible reward, that can be used in such solutions: shorter transaction processing time. We presented a complete solution for it: Contextual Risk Management System, that can make a dynamic decision whether Cardholder Verification is necessary for the current transaction, or not. It is also able to maintain an acceptable level of risk approved by the Merchant. Additionally, we simulated the proposed solution with real-life transaction traces from payment terminals and showed what kind of information can be determined from it.


Card-Linked Loyalty Context Risk Management Transaction security Payment card 


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Copyright information

© Springer Nature Switzerland AG 2019

Authors and Affiliations

  1. 1.Institute of Telecommunications of WUTWarsawPoland

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