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US 2017/0286987 A1Published application
Methods And Systems For Determining Rewards For Consumers
AssigneeTotal Systems Services, Inc.
InventorsPhillip Scott Carter, Raghuram Ram Bongula, Tejashree Bapat, Sandhya Rani Gaddam, Abboud Merheb
Life of this patent
Estimating the term…
Abstract
Methods and systems are disclosed for real-time calculation of rewards associated with a commercial transaction. A real-time calculation of rewards can be associated with card payment transactions occurring on a payment account. In an aspect, a customer swiping their bank card at a merchant point of sale to initiate an authorization for a purchase can trigger notification and deliver of rewards associated with the pending commercial transaction.
Claims20
A method comprising:
- transmitting, from a computing device, to a rewards provider, a notification of a pending commercial transaction at a merchant;
- receiving, at the computing device, from the rewards provider, a real-time determination of a reward associated with the merchant comprising provisional rewards to be earned based on the pending commercial transaction;
- transmitting, from the computing device, to the rewards provider, a selected reward;
- and
- receiving, at the computing device, from the rewards provider, a notification to redeem the selected reward and complete the pending commercial transaction.
2 more elements
A method comprising:
- receiving, from a computing device, a notification of a pending commercial transaction at a merchant;
- transmitting, to the computing device, a real-time determination of a reward associated with the merchant comprising provisional rewards to be earned based on the pending commercial transaction;
- receiving, from the computing device, a selected reward;
- and
- transmitting, to the computing device, a notification to redeem the selected reward and complete the pending commercial transaction.
2 more elements
A system comprising:
- a first device configured to:
- transmit, to a second device, a notification of a pending commercial transaction at a merchant;
- receiving, from the second device, a real-time determination of a reward associated with the merchant comprising provisional rewards to be earned based on the pending commercial transaction;
- transmit, to the second device, a selected reward;
- and
- receive, from the second device, a notification to redeem the selected reward and complete the pending commercial transaction.
3 more elements
Dependencies are inferred from the claim text.