公开(公告)号：US10248964B1

公开(公告)日：2019-04-02

申请号：US12847832

申请日：2010-07-30

申请人： Trey Neemann ,  Lee H. Gowen ,  Pavan K Pemmaraju ,  Claudia Asgeirsson ,  Yuval Efrati ,  Mary O'Connell

发明人： Trey Neemann ,  Lee H. Gowen ,  Pavan K Pemmaraju ,  Claudia Asgeirsson ,  Yuval Efrati ,  Mary O'Connell

IPC分类号： G06Q30/00 ,  G06Q30/02

摘要： A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.

公开(公告)号：US10373188B1

公开(公告)日：2019-08-06

申请号：US12850345

申请日：2010-08-04

申请人： Trey Neemann ,  Lee H. Gowen ,  Pavan K. Pemmaraju ,  Claudia Asgeirsson ,  Yuval Efrati ,  Mary O'Connell

发明人： Trey Neemann ,  Lee H. Gowen ,  Pavan K. Pemmaraju ,  Claudia Asgeirsson ,  Yuval Efrati ,  Mary O'Connell

IPC分类号： G06Q30/00 ,  G06Q30/02

摘要： A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.