Communication systems and methods to transmit data among a plurality of computing systems in processing benefit redemption

US10650398B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Nancy L. Kim · San Francisco, US
• Diane C. Salmon · Lafayette, US
• Mary Theresa Taylor · San Francisco, US
• Jocelyn G. Maniulit · San Ramon, US

Key dates

• Filing date: Jun 12, 2015
• Grant date: May 12, 2020
• Expiry date: Feb 4, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0236
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Communication systems and methods to transmit data among a plurality of computing systems in processing benefit redemption, including a portal configured to communicate with transaction terminals, reward hosts and issues processors. In response to a reward balance inquiry from a transaction terminal, the portal communicates with a respective reward host to obtain the balance, communicates with an issuer processor to obtain a one-time use account number, and provides the transaction terminal with the balance and the account number. The transaction terminal an authorization request for a payment transaction made using the account number. In response to the authorization request being received in the issuer processor, the portal communicates with the issuer processor to identify the payment transaction and communicates with the reward host to perform a reward redemption to support the payment transaction.