{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-10489754","patent":{"patent_number":"US-10489754","title":"Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits","assignee":null,"inventors":[],"filing_date":"2014-11-11T00:00:00.000Z","publication_date":"2019-11-26T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":20,"abstract":"A system and method configured to provide a mechanism allowing a third party, not involved in a payment transaction made between a merchant and a payment account, to provide a credit to the payment account as an offer benefit redeemed in view of the payment transaction. The mechanism includes a transaction handler of a payment processing network configured to provide transaction information relevant to the offer to the third party. If the third party determines that a qualifying transaction in the payment account is entitled to the benefit, the third party communicates a request, via an application programming interface (API), to a portal of the transaction handler for a credit to the payment account for the payment transaction; the transaction handler confirms the validity and permissibility of the request based on a set of business rules; if the request is approved, in response, the transaction handler generates a credit transaction for the payment account using a funding source of the third party and store data associating the credit transaction with the qualifying transaction."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits","description":"A system and method configured to provide a mechanism allowing a third party, not involved in a payment transaction made between a merchant and a payment account, to provide a credit to the payment ac","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-10489754","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-10489754","citation_suggestion":"Patentable. \"Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits\" (US-10489754). https://patentable.app/patents/US-10489754","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-10489754","json":"https://patentable.app/api/llm-context/US-10489754","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T20:31:21.336Z"}