Systems and methods to apply the benefit of offers via a transaction handler

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9460436
APP PUB NO 20130246150A1
SERIAL NO

13804435

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.

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Patent Owner(s)

  • VISA INTERNATIONAL SERVICE ASSOCIATION

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Carlson, Mark Half Moon Bay, US 283 15739
Hagey, Ryan Alameda, US 40 3307
Koganti, Krishna Prasad Cupertino, US 33 2131
Kumnick, Phillip Lyle Phoenix, US 11 489
Ovick, Joseph Bjorn San Francisco, US 27 1219
Powell, Glenn Fremont, US 65 5014
Reid, Margaret San Mateo, US 20 1620
Stan, Patrick Pacifica, US 77 4538
Wright, Patrick Mountain View, US 23 919

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