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Systems and methods for maximizing a rewards accumulation strategy during transaction processing

  • US 8,180,706 B2
  • Filed: 06/05/2009
  • Issued: 05/15/2012
  • Est. Priority Date: 11/05/1999
  • Status: Expired due to Fees
First Claim
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1. A method, comprising:

  • receiving, at a payment directory computer, a payment request for a transaction;

    determining, by the payment directory computer and based upon the payment request, that the transaction should be at least partially funded from a transaction account, wherein the transaction account is determined at least partially by a rewards program associated with the transaction account;

    determining, by the payment directory computer and based upon the transaction account, a payment system for processing at least a portion of the transaction;

    determining, by the payment directory computer, a supplemental account for funding the transaction, wherein the determining the supplemental account is performed in response to a forecasted points balance associated with the rewards account being greater than a predetermined threshold, wherein the forecasted points balance is based upon the estimated effect of the transaction on a points balance associated with the rewards account; and

    ,facilitating, by the payment directory computer, an authorization request to the payment system.

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