INCENTIVES ASSOCIATED WITH LINKED FINANCIAL ACCOUNTS

Title:

INCENTIVES ASSOCIATED WITH LINKED FINANCIAL ACCOUNTS

Document Type and Number:

WIPO Patent Application WO/2010/083454

Kind Code:

A3

Abstract:

A set of accounts usable for cashless transactions are electronically linked together. The accounts in the set may be associated with different accountholders, issuers, financial institutions, transaction handlers, or combinations thereof. A stakeholder sets up rules that govern, in part, processing of cashless transactions upon the accounts in the set. The rules alter routing of the cashless transaction from one account to another in the set. Loyalty features are determined accordingly. In one implementation, the rule alters the routing of the cashless transaction to optimize a loyalty feature. Amounts spent in transactions upon the accounts in the account set may be tracked, analyzed or reported on to create targeted offers. Fulfillment of the targeted offers may be conditioned on validating that the actual spend upon the accounts in the set match a predetermined threshold.

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Inventors:

BODINGTON SHAUN (US)

Application Number:

PCT/US2010/021260

Publication Date:

September 23, 2010

Filing Date:

January 15, 2010

Export Citation:

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Assignee:

VISA USA INC (US)
BODINGTON SHAUN (US)

International Classes:

G06Q40/00

Foreign References:

US20050192862A1	2005-09-01
KR20070092773A	2007-09-14
US20090006203A1	2009-01-01
US20080059306A1	2008-03-06

Attorney, Agent or Firm:

MOWZOON, May, M. (One Renaissance SquareTwo North Central Ave, Phoenix AZ, US)

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