Matthew P Dolan

US Patent:

20200410525, Dec 31, 2020

Filed:

Sep 11, 2020

Appl. No.:

17/019015

Inventors:

- San Francisco CA, US
Keisuke Omi - Brooklyn NY, US
Matthew Dolan - San Francisco CA, US

International Classification:

G06Q 30/02
G06Q 20/22

Abstract:

A computer-implemented technique for applying rewards points associated with a payment card is disclosed. A computer system stores information associated with a person's payment card, such as a credit or debit card, including information indicative of rewards points associated with the card. The computer system then receives from a remote device a first message indicative of a transaction between the person and another entity. The transaction includes a payment of a specified amount from the person to the other entity. In some embodiments the transaction has already been completed, and the computer system causes rewards points to be applied to it post-transaction. In other embodiments the transaction has not yet been executed and may be a requested cash transfer. The computer system determines how many rewards points correspond to the specified amount and causes the rewards points to be used for at least a portion of the transaction amount.