Opt in system and method

• US 10,007,922 B2
• Filed: 01/26/2016
• Issued: 06/26/2018
• Est. Priority Date: 01/12/2009
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Maw, Brian Jeffrey
• Primary Examiner(s): St. Cyr, Daniel
• Application Number:
  US15/006,925
• Publication Number:
  US 20160140598A1
• Time in Patent Office: 882 Days
• Field of Search: 235375, 235379, 235380, 235383, 705 11, 705 141, 705 1427, 705 143
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]

Abstract

A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium.

Claims

1. A method, comprising:

reading, in a payment device reader of a transaction terminal, account information stored in a payment device of a user to generate a payment transaction;

presenting, on a user interface device of the transaction terminal, an offer to enroll in a program offered by a commercial entity;

receiving, in an input device coupled with the transaction terminal, a response to the offer to enroll in the program;

bundling, by the transaction terminal, an authorization request for the payment transaction, the authorization request comprising;

the response to the offer to enroll in the program, and

transaction information for a payment transaction in a payment account identified by the account information;

transmitting, by the transaction terminal, into a communication network the authorization request for the payment transaction to cause a data parser of a payment processor receiving the authorization request to separate the transaction information of the authorization request from the response to the offer to enroll in the program;

receiving, by the transaction terminal, a payment authorization response from the payment processor; and

receiving, by the transaction terminal, enrollment information for the user of the payment account enrolling in the program, the enrollment information received from the commercial entity via the payment processor.

2. The method of claim 1, wherein the authorization request is configured to cause the payment processor to:

retrieve cardholder-specific data from a storage medium accessible, in response to the response, bundled in the authorization request, to the offer to enroll in the program of a commercial entity;

transmit the cardholder-specific data to the commercial entity; and

receive a message from the commercial entity, the message comprising cardholder-specific loyalty program data.

3. The method of claim 2, wherein the authorization request is further configured to cause the payment processor to:

transmit, to the transaction terminal via the communication network, an authorization response for the authorization request, the authorization response includes the cardholder-specific loyalty program data.

4. The method of claim 3, wherein the cardholder-specific loyalty program data includes a loyalty program rewards membership number.

5. The method of claim 3, further comprising:

displaying, on a monitor of the transaction terminal, the cardholder-specific loyalty program data received in the transaction terminal via the authorization response.

6. The method of claim 3, further comprising:

printing, on a printer coupled with the transaction terminal, the cardholder-specific loyalty program data received in the transaction terminal via the authorization response.

7. The method of claim 1, further comprising:

receiving, in the user interface, contact information of the user prior to presenting, on the user interface, the offer to enroll in the program;

presenting, in the user interface, personal information of the user for confirmation;

receiving, in the user interface, a confirmation of the personal information for enrolling in the program; and

providing, in the authorization request, the personal information.

8. A transaction terminal, comprising:

a payment device reader configured to read account information stored in a payment device of a user;

a user interface device configured to present an offer to enroll in a program offered by a commercial entity;

an input device configured to receive a response to the offer to enroll in the program,

wherein the transaction terminal is configured to bundle an authorization request for a payment transaction in a payment account identified by the account information, the authorization request comprising;

the response to the offer to enroll in the program, and

transaction information for a payment transaction in a payment account identified by the account information; and

a communication device configured to transmit into a communication network the authorization request for the payment transaction, the authorization request causing a data parser of a payment processor configured on the communication network to receive the authorization request and to separate the transaction information of the authorization request from the response to the offer to enroll in the program;

wherein the transaction terminal is further configured to;

receive a payment authorization response from the payment processor; and

receive enrollment information for the user of the payment account enrolling in the program, the enrollment information received from the commercial entity via the payment processor.

9. The transaction terminal of claim 8, wherein the authorization request is configured to cause the computer to:

retrieve cardholder-specific data from a storage medium accessible, in response to the response, bundled in the authorization request, to the offer to enroll in the program of a commercial entity;

transmit the cardholder-specific data to the commercial entity; and

receive a message from the commercial entity, the message comprising cardholder-specific loyalty program data.

10. The transaction terminal of claim 9, wherein the authorization request is further configured to cause the computer to:

transmit, to the transaction terminal via the communication network, an authorization response for the authorization request, the authorization response includes the cardholder-specific loyalty program data.

11. The transaction terminal of claim 10, wherein the cardholder-specific loyalty program data includes a loyalty program rewards membership number.

12. The transaction terminal of claim 10, wherein the user interface is further configured to display the cardholder-specific loyalty program data received in the transaction terminal via the authorization response.

13. The transaction terminal of claim 10, further comprising:

a printer configured to print the cardholder-specific loyalty program data received in the transaction terminal via the authorization response.

14. The transaction terminal of claim 8, wherein the user interface is further configured to

receive contact information of the user prior to presenting, on the user interface, the offer to enroll in the program;

present personal information of the user for confirmation;

receive a confirmation of the personal information for enrolling in the program; and

wherein the transaction terminal is configured to provide, in the authorization request, the personal information.

15. A non-transitory computer readable medium storing instructions configured to instruct a transaction terminal to perform a method, the method comprising:

reading, by a data reading device of the transaction terminal, account information from a payment device of a user;

presenting, in a user interface device of the transaction terminal, an offer to the user to enroll in a program offered by a commercial entity;

receiving, in an input device of the transaction terminal from the user, a response to the offer;

transmitting, using a communication device of the transaction terminal over a communication network and by a way of being embedded in an authorization request generated by the reader for a payment transaction in a payment account identified by the account information, the response to the offer to enroll in the program and transaction information for the payment transaction;

wherein being embedded in the authorization request for the payment transaction and received via the input device, the response to the offer to enroll in the program causes a data parser of a computing device connected to the communication network and comprising a payment processor to receive the authorization request and to separate the transaction information of the authorization request from the response to the offer to enroll in the program;

receiving, by the transaction terminal, a payment authorization response from the payment processor; and

receiving, by the transaction terminal, enrollment information for the user of the payment account enrolling in the program, the enrollment information received from the commercial entity via the payment processor.

16. The non-transitory computer readable medium of claim 15, wherein the instructions are further configured to instruct the transaction terminal to receive a communication from the computing device over the communication network and display on the user interface device the communication related to the offer to enroll in the program.

17. The non-transitory computer readable medium of claim 15, wherein the response includes user-specific data provided by the user via the input device.

18. The non-transitory computer readable medium of claim 17, wherein the offer is presented to enroll in the program in response to reading the account information from the payment device of the user.

19. The non-transitory computer readable medium of claim 17, wherein the method further comprises:

receiving an authorization response for the payment transaction;

extracting from the authorization response for the payment transaction user-specific loyalty program data; and

presenting via the user interface device to the user the user-specific loyalty program data.

20. The non-transitory computer readable medium of claim 19, wherein the user-specific loyalty program data includes a loyalty program rewards membership number.