Janet B Martin

US Patent:

8266031, Sep 11, 2012

Filed:

Jul 28, 2010

Appl. No.:

12/845591

Inventors:

Mark Norris - San Francisco CA, US
Shaun Bodington - Montara CA, US
Nicola Stiff - Mill Valley CA, US
Raymond Olson - Half Moon Bay CA, US
Janet Martin - Long Grove IL, US
Rosann Woods - Mill Valley CA, US
John Carr - San Francisco CA, US

Assignee:

Visa U.S.A. - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 35, 705 39

Abstract:

Systems and methods are provided to facilitate the sharing of account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to record the transactions and store account data identifying account features of separate accounts, such as a second account having a feature and a first account without this feature. Account holders of the first and second accounts are in a same household and thus, in accordance with a set of rules, eligible to share the account features. A portal is configured to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit; and if so, a notification engine is to transmit a notification message to an account holder of the first account.

US Patent:

20110029367, Feb 3, 2011

Filed:

Jul 28, 2010

Appl. No.:

12/845645

Inventors:

Ray Olson - Half Moon Bay CA, US
Janet Martin - Long Grove IL, US
Shaun Bodington - Montara CA, US
Nicola Stiff - Mill Valley CA, US
Mark Norris - San Francisco CA, US
Rosann Woods - Mill Valley CA, US
John Carr - San Francisco CA, US

Assignee:

VISA U.S.A. INC. - San Francisco CA

International Classification:

G06Q 30/00
G06Q 40/00

US Classification:

705 1425, 705 39, 705 35

Abstract:

Systems and methods are provided to facilitate the generation and notification of transactions associated with account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to store transaction data recording the transactions, account data identifying at least one account feature of an account, and rules data identifying at least one qualification requirement. The system further includes a feature offer engine to use the rules data to monitor the transactions in the account to identify a first transaction, a notification engine to provide the account holder with an offer associated with a first account feature in real time with processing of the first transaction, and a portal to receive an approval of a second transaction in accordance with the offer.