BRPI0910558A2 - loyalty premium optimization account payable and receivable services - Google Patents

loyalty premium optimization account payable and receivable services

Info

Publication number
BRPI0910558A2
BRPI0910558A2 BRPI0910558A BRPI0910558A BRPI0910558A2 BR PI0910558 A2 BRPI0910558 A2 BR PI0910558A2 BR PI0910558 A BRPI0910558 A BR PI0910558A BR PI0910558 A BRPI0910558 A BR PI0910558A BR PI0910558 A2 BRPI0910558 A2 BR PI0910558A2
Authority
BR
Brazil
Prior art keywords
loyalty
premium
account payable
optimization
receivable services
Prior art date
Application number
BRPI0910558A
Other languages
Portuguese (pt)
Inventor
Alfred Chin
Raghav Lal
Original Assignee
Visa Usa 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 Usa Inc filed Critical Visa Usa Inc
Publication of BRPI0910558A2 publication Critical patent/BRPI0910558A2/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
BRPI0910558A 2008-04-16 2009-04-16 loyalty premium optimization account payable and receivable services BRPI0910558A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US4558108P 2008-04-16 2008-04-16
US4556308P 2008-04-16 2008-04-16
US12/424,241 US8799149B2 (en) 2008-04-16 2009-04-15 Loyalty rewards optimization bill payables and receivables service
PCT/US2009/040875 WO2009129421A2 (en) 2008-04-16 2009-04-16 Loyalty rewards optimization bill payables and receivables services

Publications (1)

Publication Number Publication Date
BRPI0910558A2 true BRPI0910558A2 (en) 2015-09-29

Family

ID=41199741

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0910558A BRPI0910558A2 (en) 2008-04-16 2009-04-16 loyalty premium optimization account payable and receivable 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

Family Cites Families (6)

* 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
WO2005098702A2 (en) * 2004-03-26 2005-10-20 Citicorp Credit Services, Inc. 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
US7506804B2 (en) * 2005-05-27 2009-03-24 U.S. Bancorp Licensing, Inc. System and method for an integrated payment and reward card
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 Method and system of the loyalty service for credit card members via a back-end processing

Also Published As

Publication number Publication date
WO2009129421A2 (en) 2009-10-22
AU2009236141A1 (en) 2009-10-22
AU2009236141B2 (en) 2013-04-04
WO2009129421A3 (en) 2009-12-17

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Legal Events

Date Code Title Description
B08F Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette]

Free format text: REFERENTE A 7A ANUIDADE.

B08K Patent lapsed as no evidence of payment of the annual fee has been furnished to inpi [chapter 8.11 patent gazette]

Free format text: EM VIRTUDE DO ARQUIVAMENTO PUBLICADO NA RPI 2384 DE 13-09-2016 E CONSIDERANDO AUSENCIA DE MANIFESTACAO DENTRO DOS PRAZOS LEGAIS, INFORMO QUE CABE SER MANTIDO O ARQUIVAMENTO DO PEDIDO DE PATENTE, CONFORME O DISPOSTO NO ARTIGO 12, DA RESOLUCAO 113/2013.