Electronic reward offer management
US12417467B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 19, 2023 |
| Grant date | Sep 16, 2025 |
| Priority date | — |
| Expiry date | Dec 19, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q30/0261
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Systems and methods for electronic reward offer management are disclosed. For instance, a system identifies, using a machine learning model, reward offer(s) for a user of a payment service. The system sends, to a client device of the user, a request to display the reward offer(s) together with a virtual payment card (associated with a payment account issued by the payment service to the user) in a user interface of an application for the payment service. The system receives, from the client device, a user input indicating assignment of a selected reward offer to the payment account, and updates data store(s) to include information associated with a connection between the payment account and the selected reward offer. The connection authorizes automatic redemption of the selected reward offer upon receiving a payment authorization request for a subsequent transaction using a payment card issued to the user by the payment service.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.