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WO2009129421A3 - Loyalty rewards optimization bill payables and receivables services - Google Patents

Loyalty rewards optimization bill payables and receivables services Download PDF

Info

Publication number
WO2009129421A3
WO2009129421A3 PCT/US2009/040875 US2009040875W WO2009129421A3 WO 2009129421 A3 WO2009129421 A3 WO 2009129421A3 US 2009040875 W US2009040875 W US 2009040875W WO 2009129421 A3 WO2009129421 A3 WO 2009129421A3
Authority
WO
WIPO (PCT)
Prior art keywords
account
reward
receivables
payables
bill
Prior art date
Application number
PCT/US2009/040875
Other languages
French (fr)
Other versions
WO2009129421A2 (en
Inventor
Raghav Lal
Alfred Chin
Original Assignee
Visa U.S.A. Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US12/424,241 external-priority patent/US8799149B2/en
Application filed by Visa U.S.A. Inc. filed Critical Visa U.S.A. Inc.
Priority to BRPI0910558A priority Critical patent/BRPI0910558A2/en
Priority to AU2009236141A priority patent/AU2009236141B2/en
Publication of WO2009129421A2 publication Critical patent/WO2009129421A2/en
Publication of WO2009129421A3 publication Critical patent/WO2009129421A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For each reward account, a deficient reward account is found if the currency balance for the reward account is not sufficient for the payment of the account payable. For each deficiency reward account, if identified accounts receivables can be deposited such that the currency balance thereof will be sufficient to pay the account payable, then payments are made of: (i) the identified accounts receivables as corresponding deposits to the currency balance of the deficiency reward account such that the currency balance thereof is sufficient for the payment of the account payable; and (ii) the account payable by a withdrawal from the currency balance of the deficiency reward account.
PCT/US2009/040875 2008-04-16 2009-04-16 Loyalty rewards optimization bill payables and receivables services WO2009129421A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
BRPI0910558A BRPI0910558A2 (en) 2008-04-16 2009-04-16 loyalty premium optimization account payable and receivable services
AU2009236141A AU2009236141B2 (en) 2008-04-16 2009-04-16 Loyalty rewards optimization bill payables and receivables services

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US4556308P 2008-04-16 2008-04-16
US4558108P 2008-04-16 2008-04-16
US61/045,581 2008-04-16
US61/045,563 2008-04-16
US12/424,241 US8799149B2 (en) 2008-04-16 2009-04-15 Loyalty rewards optimization bill payables and receivables service
US12/424,241 2009-04-15

Publications (2)

Publication Number Publication Date
WO2009129421A2 WO2009129421A2 (en) 2009-10-22
WO2009129421A3 true WO2009129421A3 (en) 2009-12-17

Family

ID=41199741

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/040875 WO2009129421A2 (en) 2008-04-16 2009-04-16 Loyalty rewards optimization bill payables and receivables services

Country Status (3)

Country Link
AU (1) AU2009236141B2 (en)
BR (1) BRPI0910558A2 (en)
WO (1) WO2009129421A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8799149B2 (en) 2008-04-16 2014-08-05 Visa U.S.A. Inc. Loyalty rewards optimization bill payables and receivables service
US20120136780A1 (en) * 2010-08-27 2012-05-31 Khalid El-Awady Account number based bill payment platform apparatuses, methods and systems

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050251446A1 (en) * 2004-03-26 2005-11-10 Wei Jiang Methods and systems for integration of multiple rewards programs
US20060161478A1 (en) * 2005-01-06 2006-07-20 Jessica Turner System, method and computer program product for currency redemption in loyalty reward programs
KR20070075985A (en) * 2006-01-17 2007-07-24 주식회사 아이캐시 Loyalty service method and system for credit card member by post processing method
US20070198335A1 (en) * 2005-10-11 2007-08-23 American Express Marketing & Development Corp., a New York Corporation System and method for providing loyalty rewards to an assistant designated to manage a financial transaction account

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7090138B2 (en) * 2003-12-18 2006-08-15 Capital One Financial Corporation System and method for redeeming rewards and incentives
US7506804B2 (en) * 2005-05-27 2009-03-24 U.S. Bancorp Licensing, Inc. System and method for an integrated payment and reward card

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050251446A1 (en) * 2004-03-26 2005-11-10 Wei Jiang Methods and systems for integration of multiple rewards programs
US20060161478A1 (en) * 2005-01-06 2006-07-20 Jessica Turner System, method and computer program product for currency redemption in loyalty reward programs
US20070198335A1 (en) * 2005-10-11 2007-08-23 American Express Marketing & Development Corp., a New York Corporation System and method for providing loyalty rewards to an assistant designated to manage a financial transaction account
KR20070075985A (en) * 2006-01-17 2007-07-24 주식회사 아이캐시 Loyalty service method and system for credit card member by post processing method

Also Published As

Publication number Publication date
AU2009236141B2 (en) 2013-04-04
WO2009129421A2 (en) 2009-10-22
BRPI0910558A2 (en) 2015-09-29
AU2009236141A1 (en) 2009-10-22

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