Patents by Inventor Meara Day

Meara Day 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).

  • Point of interaction loyalty currency redemption in a transaction
    Patent number: 11887093
    Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.
    Type: Grant
    Filed: April 9, 2021
    Date of Patent: January 30, 2024
    Assignee: Visa International Service Association
    Inventors: Diane C. Salmon, Meara Day, Leigh Amaro
  • Point of Interaction Loyalty Currency Redemption in a Transaction
    Publication number: 20210295297
    Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.
    Type: Application
    Filed: April 9, 2021
    Publication date: September 23, 2021
    Inventors: Diane C. Salmon, Meara Day, Leigh Amaro
  • Point of interaction loyalty currency redemption in a transaction
    Patent number: 11004052
    Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.
    Type: Grant
    Filed: August 20, 2019
    Date of Patent: May 11, 2021
    Assignee: Visa International Service Association
    Inventors: Diane C. Salmon, Leigh Amaro, Meara Day
  • Point of Interaction Loyalty Currency Redemption in a Transaction
    Publication number: 20190370773
    Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.
    Type: Application
    Filed: August 20, 2019
    Publication date: December 5, 2019
    Inventors: Diane C. Salmon, Leigh Amaro, Meara Day
  • Point of interaction loyalty currency redemption in a transaction
    Patent number: 10430774
    Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.
    Type: Grant
    Filed: June 23, 2017
    Date of Patent: October 1, 2019
    Assignee: Visa International Service Association
    Inventors: Diane C. Salmon, Meara Day, Leigh Amaro