ALEXANDRIA, Va., Feb. 11 -- United States Patent no. 12,548,042, issued on Feb. 10, was assigned to Wells Fargo Bank N.A. (San Francisco).
"Pay with points virtual card" was invented by Ashish B. Kurani (Hillsborough, Calif.) and Steven E. Puffer (Champlin, Minn.).
According to the abstract* released by the U.S. Patent & Trademark Office: "A method includes receiving a payment request for a transaction between a merchant and a customer. The payment request includes a payment token and an amount of the transaction in currency. The rewards account stores a number of rewards points. The method includes authenticating the payment request. The method includes determining a currency conversion value for the rewards points. The currency conversi...