Visa U.s.a. Inc.

Shaun Bodington

Barbara Elizabeth Patterson

Gregory Charles Trifiletti

Edward Winfield Fordyce, Iii

Mark Norris

Karteek Hasmukh Patel

Nicola Stiff

Raymond Olson

Janet Martin

Jodene Laramy

Rosann Woods

Paula Marie Johnson-Alosi

John Carr

Denise Nay O'Brien

A set of conditional rewards are associated with a consumer. Thereafter, notice of a reward is given for each of the consumer's transactions upon one of the consumer's accounts that satisfies one of the conditional rewards in the set. The set may be selected by the consumer, or by the issuer such as when the issuer uses a transaction history of purchases made on the consumer's account to determine the set of conditional rewards that would match a past purchasing trend of the consumer. A Globally Unique Identifier, unique within a plurality of transaction processing systems, can be associated with the consumer and used to match the transactions to a corresponding conditional reward.

Consumer specific conditional rewards

A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder.

System and method for managing enhancement features assigned to financial presentation devices

A method for managing rewards programs is disclosed. The method includes reviewing a plurality of offers from a plurality of merchants on a host site via the Internet. The offers are associated with rewards to consumers after the consumers use their portable consumer devices. An offer from the plurality of offers is selected and a customized offer element including the offer and an identifier of an issuer that selected the offer is generated.

Rewards program manager

Systems and methods are provided to facilitate the sharing of account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to record the transactions and store account data identifying account features of separate accounts, such as a second account having a feature and a first account without this feature. Account holders of the first and second accounts are in a same household and thus, in accordance with a set of rules, eligible to share the account features. A portal is configured to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit; and if so, a notification engine is to transmit a notification message to an account holder of the first account.

Systems and methods to provide benefits of account features to account holders

Growing community of inventors

San Leandro, CA, United States of America

Shaun Bodington