Systems and methods to provide benefits of account features to account holders

US8266031B2 · kind B2 · utility

Assignee

• Visa U.S.A. Inc. · US

Inventors

• Mark Norris · San Francisco, US
• Shaun Bodington · San Leandro, US
• Nicola Stiff · Mill Valley, US
• Raymond Olson · Rue de l'Église, US
• Janet Martin · Long Grove, US
• Rosann Woods · Mill Valley, US
• John F. Carr · Nappan, GB

Key dates

• Filing date: Jul 28, 2010
• Grant date: Sep 11, 2012
• Expiry date: Mar 25, 2031

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are provided to facilitate the sharing of account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to record the transactions and store account data identifying account features of separate accounts, such as a second account having a feature and a first account without this feature. Account holders of the first and second accounts are in a same household and thus, in accordance with a set of rules, eligible to share the account features. A portal is configured to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit; and if so, a notification engine is to transmit a notification message to an account holder of the first account.