Systems and methods to aggregate demand

US9031860B2 · kind B2 · utility

Assignee

• Visa U.S.A. Inc. · US

Inventors

• Michelle Eng Winters · Belmont, US
• Alfred William Griggs · Menlo Park, US
• Laura DiGioacchino · San Mateo, US
• Diane C. Salmon · Lafayette, US
• Kevin Siegel · Milpitas, US
• Kaushik Subramanian · Fremont, US
• James Alan VonDerheide · Pasadena, US
• Edward W. Fordyce, III · Sedalia, US
• Leigh Amaro · Woodside, US

Key dates

• Filing date: Oct 7, 2010
• Grant date: May 12, 2015
• Expiry date: Dec 7, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0231
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.