Systems and methods to apply benefit of offers

US10733623B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Joseph Bjorn Ovick · San Francisco, US
• Mark Carlson · Rue de l'Église, US
• Ryan Hagey · Alameda, US
• Margaret Reid · San Mateo, US
• Patrick Stan · Pacifica, US
• Patrick Wright · Mountain View, US
• Krishna Prasad Koganti · Cupertino, US
• Glenn Powell · Fremont, US
• Phillip Kumnick · Phoenix, US

Key dates

• Filing date: Feb 2, 2018
• Grant date: Aug 4, 2020
• Expiry date: Sep 17, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0225
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.