David L Shepard

US Patent:

7665660, Feb 23, 2010

Filed:

Mar 8, 2007

Appl. No.:

11/683866

Inventors:

Lori Degliantoni - San Carlos CA, US
Barbara Patterson - S. San Francisco CA, US
David Chauncey Shepard - Novato CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06K 15/00
G06Q 30/00

US Classification:

235383, 235375, 235380, 705 14

Abstract:

The present invention provides systems and methods for facilitating transactions with real-time awards determinations for a cardholder. Each transaction includes transaction information, where the transaction information includes: cardholder information, merchant information, and a transaction amount. An engine determines if an award should be granted based on award criteria, such that the engine compares the transaction information with each award criterion in order to determine if the award should be granted in real-time with the transaction by the cardholder.

US Patent:

8620738, Dec 31, 2013

Filed:

Aug 30, 2007

Appl. No.:

11/848112

Inventors:

Karteek Hasmukh Patel - San Francisco CA, US
David Chauncey Shepard - Novato CA, US

Assignee:

Visa U.S.A. Inc - San Francisco CA

International Classification:

G06Q 30/02
G06Q 30/00

US Classification:

705 143, 705 144

Abstract:

The eligibility of an transaction between a consumer and a merchant toward an incentive for a loyalty program is determined using a globally unique identifier (GUID) matching algorithm. Information characterizing the transaction may include a GUID for the merchant and a GUID for an account of the consumer on which the transaction is payable. The GUIDs are each matched against GUIDs of merchants and accounts stored in a database, some of which are distinguished as loyalty program participants. When both the GUID for the merchant and the GUID for the account match with respective GUIDs in the database that are distinguished as loyalty program participants, the transaction is eligible toward the incentive.

US Patent:

20080319847, Dec 25, 2008

Filed:

Jun 25, 2007

Appl. No.:

11/768137

Inventors:

David Shepard - Novato CA, US

International Classification:

G06Q 30/00
G06Q 10/00

US Classification:

705 14

Abstract:

A platform for a loyalty program provides an interface allowing a consumer to create a benefit tailored for his/her needs. In one embodiment, a consumer accesses the platform via a web-based interface, and selects benefit/reward parameters including but not limited to the nature of the event triggering award of the benefit, the source (i.e. retailer) of the benefit, the nature of the benefit (i.e., discount based upon purchase price or accumulated loyalty points), and/or the events allowing accrual of loyalty points. The interface communicates the inputted parameter to an engine of the loyalty program. The platform would then check the inputted parameter against any constraints, such as parameters of an existing loyalty program in which the consumer is already enrolled.

US Patent:

20100145778, Jun 10, 2010

Filed:

Dec 7, 2009

Appl. No.:

12/632136

Inventors:

Karteek Hasmukh Patel - San Francisco CA, US
David C. Shepard - Novato CA, US

International Classification:

G06Q 30/00
G06Q 40/00

US Classification:

705 143

Abstract:

A multi-provider rewards program in which rewards are awarded for a series of transactions using an account in a transaction processing system. The transaction processing system includes at least one issuer, at least one acquirer, a plurality of resource providers, a transaction handler, a rewards program rule implementer having access to the rewards program database, and an implementer processor. The implementer processor receives transaction data whenever a transaction occurs using the consumer account, uses the transaction data to determine when a consumer has performed the separate transactions associated with each of a plurality of merchants that are required by a rewards rule and when a consumer has performed the separate transactions with each of the plurality of resource providers, and identifies a reward for the consumer that performed the transactions.

US Patent:

20100169170, Jul 1, 2010

Filed:

Oct 22, 2009

Appl. No.:

12/604322

Inventors:

Karteek Hasmukh Patel - San Francisco CA, US
Sarah Pankratz Suarez - South San Francisco CA, US
David Chauncey Shepard - Novato CA, US
Jeanette M. Yoder - San Mateo CA, US
Leigh Amaro - Redwood City CA, US

International Classification:

G06Q 30/00
G06Q 40/00

US Classification:

705 1417

Abstract:

A value of an incentive in a loyalty program is debited from a funding balance and credited to an account used in a transaction that qualifies for the incentive. A computing device receives a plurality of transactions upon accounts issued to account holders by corresponding issuers. After the transactions that qualify for the incentive are cleared and settled, funds matching the value of the incentive is transferred from a funding balance of the sponsor of the incentive to the account used in the qualified transaction. The issuer's interchange fee remains intact after the credit is applied.

US Patent:

20110066483, Mar 17, 2011

Filed:

May 20, 2010

Appl. No.:

12/784324

Inventors:

Diane C. Salmon - Lafayette CA, US
James Alan VonDerheide - La Canada CA, US
David Chauncey Shepard - Novato CA, US
Gregory Michael Adams - Newmarket, NZ
Laura DiGioacchino - San Mateo CA, US

International Classification:

G06Q 30/00

US Classification:

705 1417, 705 1438

Abstract:

A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.

US Patent:

20140222540, Aug 7, 2014

Filed:

Apr 9, 2014

Appl. No.:

14/249062

Inventors:

David Shepard - Novato CA, US

International Classification:

G06Q 30/02

US Classification:

705 1427

Abstract:

A platform for a loyalty program provides an interface allowing a consumer to create a benefit tailored for his/her needs. In one embodiment, a consumer accesses the platform via a web-based interface, and selects benefit/reward parameters including but not limited to the nature of the event triggering award of the benefit, the source (i.e. retailer) of the benefit, the nature of the benefit (i.e., discount based upon purchase price or accumulated loyalty points), and/or the events allowing accrual of loyalty points. The interface communicates the inputted parameter to an engine of the loyalty program. The platform would then check the inputted parameter against any constraints, such as parameters of an existing loyalty program in which the consumer is already enrolled.