Patents by Inventor Annette S. Marsh

Annette S. Marsh has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Systems and methods for facilitating transactions with rewards
    Patent number: 11301892
    Abstract: Systems, methods, and apparatuses for performing a pay with points rewards transaction are described herein. A customer of a financial institution having a rewards account associated with a payment account can provide parameters for future transactions that are to be paid with points instead of charged to the payment account. To designate the future transaction as a rewards transaction, the customer sets rewards transaction parameters (e.g., via a mobile banking application, via an online banking portal, via a telephone system associated with the financial institution, etc.). After setting the rewards transaction parameters, the financial institution identifies a purchase request that matches the rewards transaction parameters and processes the transaction as a rewards transaction.
    Type: Grant
    Filed: June 22, 2016
    Date of Patent: April 12, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Megan Collins, Minhthe Luu, Annette S. Marsh, Karen D. Tom, Cheryl Lynn Wu