Walker Digital, LLC

Joseph R Rutledge

Jay S Walker

James Jorasch

Magdalena Mik Fincham

Keith Bemer

Timothy A Palmer

Wen Yan Lin

Marisa S Doré

Systems and methods are provided using a stored benefit to facilitate a transaction in which a buyer offers to purchase a product. According to one embodiment, offer information, including an offer amount, is received from a buyer. The offer information may be received, for example, via a Web page. An indication that the buyer is willing to redeem one or more stored benefits is also received. A stored benefit may be, for example, a token associated with the buyer when he or she applies for a service. A value associated with the stored benefit is determined, and the offer information is evaluated based on the offer amount, the value associated with the stored benefit, and an amount associated with a product. According to one embodiment, the offer information includes a product category, and the product provided to the buyer is determined based on the product category.

Systems and methods using a representation of a stored benefit to facilitate a transaction

Growing community of inventors

Easton, CT, United States of America

Joseph R Rutledge