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:
Sep. 16, 2014

Filed:

Aug. 14, 2007
Applicants:

Todd Nuzum, Omaha, NE (US);

Brian Friedman, Omaha, NE (US);

Virginia G. Sayor, Castle Rock, CO (US);

Inventors:

Todd Nuzum, Omaha, NE (US);

Brian Friedman, Omaha, NE (US);

Virginia G. Sayor, Castle Rock, CO (US);

Assignee:

First Data Corporation, Greenwood Village, CO (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 30/00 (2012.01); G06Q 20/20 (2012.01); G06Q 20/06 (2012.01); G06Q 30/02 (2012.01); G06Q 20/32 (2012.01); G06Q 30/06 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/202 (2013.01); G06Q 20/06 (2013.01); G06Q 30/0212 (2013.01); G06Q 20/32 (2013.01); G06Q 30/06 (2013.01); G06Q 20/20 (2013.01);
Abstract

A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.


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