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:
Apr. 27, 2021
Filed:
May. 11, 2018
Bank of America Corporation, Charlotte, NC (US);
Mark Churchill Monaco, New York, NY (US);
Tony England, Tega Cay, SC (US);
Matthew D. Murphy, Charlotte, NC (US);
David C. Tyrie, Boston, MA (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
A merchant point-of-sale ('POS') system architecture is provided. Systems and methods are provided for enabling free form rewards in a custom rewards transaction at a POS terminal. A custom rewards transaction may be a transaction in which a customer opts-in to a merchant-funded rewards ('MFR') program. The merchant may offer rewards in the MFR program based on location and customer data. The merchant may offer rewards that promote customer behaviors that are advantageous to the merchant. Opting-in to the MFR program may terminate the customer's default enrollment in a conventional issuer-bank funded rewards program.