Visa International Service Association

Edmar Soriano

Peter Rhee

Wesley Kimathi Marangu

Ritu Panchal

Alexander E Campbell

A service uses a system of servers and specialized interfaces to facilitate transfer of value from a gift card to an open loop card of a user. The service may support user-facing interfaces that interact with customers. The service may also support an API-based interface with a gift card processor to obtain gift card value, effect the value transfer, and confirm that the gift card value has been depleted. The service may also include a programmatic interface to various transaction processor services such as associating the transferred value with a personal account number of the user, a merchant associated with the original gift card, transaction monitoring, and messaging services that provide status information to the user.

Application program interface for conversion of stored value cards

A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.

Fuel loyalty rewards

A systems of servers and algorithms allows merchants to refund value, for example, for refunds on returned goods or for other customer satisfaction reasons. The system receives the request for credit from a merchant refund session as well as a target financial instrument associated with the customer receiving the credit. The system then creates a specialized monitor for the customer's transactions to identify transactions made with that merchant and applies the previously credited funds for purchases made at the merchant. These credits may be made in real time at the register during a purchase or via a statement credit. The credit may also be applied to partner brands associated with the merchant by expanding the scope of the monitor.

Real-time monitoring system

A system of servers and algorithms allows merchants to award value to a customer when certain criteria have been met, such as buy $100 worth of clothing and get a $20 credit toward a future purchase. Unlike a gift card, the funding for the award is held by the merchant until the award is used, at which time the award funds are transferred to the user's designated account, such as an open loop credit or debit card.

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Newark, CA, United States of America

Edmar Soriano