Systems and methods for using indicia of membership as a partial authorization in a transaction
US11120462B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 5, 2015 |
| Grant date | Sep 14, 2021 |
| Priority date | — |
| Expiry date | Jan 9, 2037 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q30/0238
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
In accordance with some embodiments of the present invention, aspects may include systems and methods of using a membership card to obtain benefits in a purchase transaction for goods or services. The method may include steps such as receiving at a central processor a communication from a point of sale including one or more identifiers of goods or services selected in the purchase transaction and information identifying the membership card, including at least a portion of the indicia; determining by the central processor potential benefits, if any, associated with the membership card; determining by the central processor if any potential benefits are applicable to the merchant, the point of sale, or the one or more goods or services identified by the received identifiers; determining a transaction benefit amount applicable to the transaction; and sending to the point of sale a partial authorization in the amount of the transaction benefit amount.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.