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:
Aug. 04, 2020
Filed:
Feb. 02, 2018
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
To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.