IP Library Granted Patent US 10,922,750
Granted Patent B2
US 10,922,750 · App. 16/552,563 · Granted Feb 16, 2021

Merchant issued payment vehicles linked to preexisting financial accounts

Inventor: Bryan T. Bailey (Florence, KY)
Assignee: Worldpay, LLC
G06Q40/02G06Q20/227G06Q20/387G06Q20/4012G06Q30/0226
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Quick Facts
Patent No.
US 10,922,750
App. No.
16/552,563
Granted
Feb 16, 2021
Kind
B2
Abstract

Systems and methods are provided for linking a customer's preexisting financial account to a merchant issued payment vehicle. If an account number associated with the preexisting financial account changes, the linking of the merchant issued payment vehicle is updated with an updated account number.

Claims (41)

1. A computer-implemented method, comprising:

linking a customer loyalty account number associated with a customer loyalty program to a merchant issued (MI) payment vehicle account number; and

subsequent to linking the customer loyalty account number to the MI payment vehicle account number, upon receipt of an updated account number associated with the customer loyalty program, linking the updated customer loyalty account number to the MI payment vehicle account number.

2. The computer-implemented method of claim 1 , further comprising:

transmitting a communication to a merchant computing device indicating that the linked customer loyalty account number is changed to the updated customer loyalty account number.

3. The computer-implemented method of claim 1 , further comprising:

receiving transaction data associated with the MI payment vehicle;

determining the customer loyalty account number linked to the MI payment vehicle account number; and

providing the transaction data to a customer loyalty program associated with the customer loyalty account number.

4. The computer-implemented method of claim 3 , further comprising:

storing the transaction data; and

providing the transaction data to a customer associated with the customer loyalty account number.

5. The computer-implemented method of claim 3 , wherein the transaction data comprises stock keeping unit data of items purchased from a merchant.

6. The computer-implemented method of claim 1 , wherein the customer loyalty account number and the updated customer loyalty account number are provided by a customerloyalty program.

7. The computer-implemented method of claim 1 , wherein the step of linking the updated customerloyalty account number to the MI payment vehicle account number is performed upon receipt of the updated customer loyalty account number from a customer loyalty program.

8. The computer-implemented method of claim 1 , wherein the customer loyalty account number and the merchant issued (MI) payment vehicle account number associated with the MI payment vehicle are received from a merchant computing device associated with a merchant, the customer loyalty account number being different from the MI payment vehicle account number.

9. The computer-implemented method of claim 1 , wherein the step of linking the updated customer loyalty account number to the MI payment vehicle account number is performed without input from a customer associated with the linked customer loyalty account number.

10. The computer-implemented method of claim 1 , further comprising:

subsequent to linking the MI payment vehicle account number to the customer loyalty account number, receiving transaction data from a merchant computing device, the transaction data comprising the merchant issued payment vehicle account number and a request for funds.

11. A merchant issued payment vehicle system, comprising:

a merchant issued (MI) payment vehicle having a unique identification number encoded on the merchant issued payment vehicle, the unique identification number linked to an account number associated with a customer loyalty program of a merchant; and

a payment processor configured to:

upon receipt of an updated account number associated with the customer loyalty program, link the updated account number to the unique identification number encoded on the MI payment vehicle.

12. The merchant issued payment vehicle system of claim 11 , wherein the MI payment vehicle is a card.

13. The merchant issued payment vehicle system of claim 11 , wherein the payment processor is further configured to:

receive transaction data comprising stock keeping unit data from a merchant computing device when the MI payment vehicle is introduced to the merchant computing device, wherein the transaction data comprises data identifying items purchased as a part of a transaction; and

provide the transaction data to the customer loyalty program.

14. The merchant issued payment vehicle system of claim 11 , wherein the customer loyalty program is hosted by the merchant.

15. A method, comprising:

receiving at a payment processor in communication with a merchant computing device of a merchant, an account number of a customer loyalty program associated with the merchant; and

subsequent to receiving the account number of the customer loyalty program, linking a unique account number of a merchant issued payment vehicle to the account number of the customer loyalty program.

16. The method of claim 15 , further comprising:

subsequent to linking a unique account number of the merchant issued payment vehicle associated with the merchant to the account number of the customer loyalty program, receiving transaction data from the merchant computing device when the unique account number of the merchant issued payment vehicle is provided to the merchant computing device;

determining that the unique account number of the merchant issued payment vehicle is linked to the account number of the customer loyalty program;

determining if the transaction data includes stock keeping unit data of items purchased from the merchant, and

if the transaction data includes stock keeping unit data, providing the stock keeping unit data to the customer loyalty program.

17. The method of claim 16 , further comprising:

when the account number of the customer loyalty program is invalidated, linking the unique account number of the merchant issued payment vehicle to an updated account number.

18. The method of claim 16 , wherein the account number of the customer loyalty program is invalidated when an updated account number is received at the payment processor.

19. The method of claim 16 , wherein the customer loyalty program is hosted at a server controlled by the merchant.

20. The method of claim 16 , wherein the customer loyalty program comprises a list of items purchased by a customer of the merchant.

Assignments (6)
RELEASE OF SECURITY INTERESTS RECORDED AT REEL/FRAMES 066626/0655, 066625/0426, 066625/0347, AND 066625/0276 Recorded Jan 12, 2026
From: WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT
To: WORLDPAY, LLC; WORLDPAY ISO AND ECOMMERCE, LLC; PAYMETRIC, LLC; WORLDPAY US, LLC
Reel/Frame 074314/0622 →
RELEASE OF SECURITY INTEREST IN INTELLECTUAL PROPERTY RECORDED AT R/F 066624/0719 Recorded Jan 12, 2026
From: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
To: WORLDPAY, LLC
Reel/Frame 074315/0412 →
SECURITY INTEREST Recorded Feb 19, 2024
From: WORLDPAY, LLC
To: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
Reel/Frame 066624/0719 →
SECURITY INTEREST Recorded Feb 19, 2024
From: WORLDPAY, LLC
To: WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT
Reel/Frame 066626/0655 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 28, 2019
From: BAILEY, BRYAN T.
To: VANTIV, LLC
Reel/Frame 050198/0674 →
CHANGE OF NAME Recorded Aug 28, 2019
From: VANTIV, LLC
To: WORLDPAY, LLC
Reel/Frame 050198/0901 →
Continuity (3)
Continuation 15891611 · Feb 8, 2018
Continuation 14609542 · Jan 30, 2015
Related Publication 20190385225A1 · Dec 19, 2019