The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jul. 02, 2019
Filed:
Aug. 22, 2016
Visa International Service Association, San Francisco, CA (US);
Joseph Bjorn Ovick, San Francisco, CA (US);
Mark Carlson, Half Moon Bay, CA (US);
Ryan Hagey, Alameda, CA (US);
Margaret Reid, San Mateo, CA (US);
Patrick Stan, Pacifica, CA (US);
Patrick Wright, Mountain View, CA (US);
Krishna Prasad Koganti, Cupertino, CA (US);
Glenn Powell, Fremont, CA (US);
Phillip Lyle Kumnick, Phoenix, AZ (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.