Systems and methods for maximizing a rewards accumulation strategy during transaction processing
First Claim
Patent Images
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.
6 Assignments
0 Petitions
Accused Products
Abstract
Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.
-
Citations
16 Claims
-
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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 15)
-
-
13. A method, comprising:
-
transmitting, by a point of sale device, a payment request for a transaction to a payment system directory; determining, by at least one of;
the point of sale device and the payment system directory, that at least a portion of the transaction should be funded by a transaction account, wherein the transaction account is determined at least partially by a rewards program associated with the transaction account;in response to a forecasted points balance associated with the rewards account being greater than a predetermined threshold, determining that at least a portion of the transaction should be funded by a supplemental account, wherein the forecasted points balance is based upon the estimated effect of the transaction on a points balance associated with the rewards account; and receiving at least one of an identification of a payment system from the payment system directory or an authorization response from a payment system, wherein the authorization response is based upon an authorization request sent to the payment system by the payment system directory. - View Dependent Claims (14)
-
-
16. A tangible machine-readable medium having stored thereon computer-executable instructions that, if executed by a computing device, cause the computing device to perform a method comprising:
-
receiving a payment request for a transaction; determining 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 based upon the transaction account a payment system for processing at least a portion of the transaction; determining 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 an authorization request to the payment system.
-
Specification