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.

Date of Patent:
Feb. 23, 2010

Filed:

Mar. 08, 2007
Applicants:

Lori Degliantoni, San Carlos, CA (US);

Barbara Patterson, S. San Francisco, CA (US);

David Chauncey Shepard, Novato, CA (US);

Inventors:

Lori Degliantoni, San Carlos, CA (US);

Barbara Patterson, S. San Francisco, CA (US);

David Chauncey Shepard, Novato, CA (US);

Assignee:

Visa U.S.A. Inc., San Francisco, CA (US);

Attorneys:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06K 15/00 (2006.01); G06Q 30/00 (2006.01);
U.S. Cl.
CPC ...
Abstract

The present invention provides systems and methods for facilitating transactions with real-time awards determinations for a cardholder. Each transaction includes transaction information, where the transaction information includes: cardholder information, merchant information, and a transaction amount. An engine determines if an award should be granted based on award criteria, such that the engine compares the transaction information with each award criterion in order to determine if the award should be granted in real-time with the transaction by the cardholder.


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