ALEXANDRIA, Va., Feb. 3 -- United States Patent no. 12,541,756, issued on Feb. 3, 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 performed by a computing system includes determining that the mobile device is at the merchant location based on a comparison of a location of a mobile device of a user with a merchant location of a merchant, determining that the merchant participates in a rewards promotion, receiving a transaction request associated with a rewards account of the user, activating the rewards promotion based on th...