Patents by Inventor Maureen J. Bies

Maureen J. Bies 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).

  • Redemption of credit card rewards at a point of sale
    Patent number: 8682791
    Abstract: Systems and methods are described for redeeming rewards at a merchant's point-of-sale. The reward redemption takes place in real time and can be accomplished without the active participation of the merchant. A single credit card with no additional information may be used with a single swipe from the consumer to access both credit and rewards accounts, such that a single authorization request is made to encompass both rewards and credit. Merchants can be fully compensated for transactions by the issuer despite the customer's choice to redeem rewards.
    Type: Grant
    Filed: October 31, 2006
    Date of Patent: March 25, 2014
    Assignee: Discover Financial Services
    Inventors: Maureen J. Bies, Bradford P. Hawley
  • Redemption of Credit Card Rewards at a Point of Sale
    Publication number: 20080103968
    Abstract: Systems and methods are described for redeeming rewards at a merchant's point-of-sale. The reward redemption takes place in real time and can be accomplished without the active participation of the merchant. A single credit card with no additional information may be used with a single swipe from the consumer to access both credit and rewards accounts, such that a single authorization request is made to encompass both rewards and credit. Merchants can be fully compensated for transactions by the issuer despite the customer's choice to redeem rewards.
    Type: Application
    Filed: October 31, 2006
    Publication date: May 1, 2008
    Applicant: Discover Financial Services LLC
    Inventors: Maureen J. Bies, Bradford P. Hawley