Redemption of credit card rewards at a point of sale
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United States of America Patent
Stats
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Mar 25, 2014
Grant Date -
May 1, 2008
app pub date -
Oct 31, 2006
filing date -
Oct 31, 2006
priority date (Note) -
In Force
status (Latency Note)
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Abstract
Systems and methods are described for redeeming rewards at a merchant's point-of-sale. The reward redemption takes place in real time and can be accomplished without the active participation of the merchant. A single credit card with no additional information may be used with a single swipe from the consumer to access both credit and rewards accounts, such that a single authorization request is made to encompass both rewards and credit. Merchants can be fully compensated for transactions by the issuer despite the customer's choice to redeem rewards.
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