Systems and methods to apply the benefit of offers via a transaction handler

• US 10,339,553 B2
• Filed: 08/22/2016
• Issued: 07/02/2019
• Est. Priority Date: 03/16/2012
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Ovick, Joseph Bjorn, Carlson, Mark, Hagey, Ryan, Reid, Margaret, Stan, Patrick, Wright, Patrick, Koganti, Krishna Prasad, Powell, Glenn, Kumnick, Phillip Lyle
• Primary Examiner(s): Sittner, Matthew T
• Application Number:
  US15/243,337
• Publication Number:
  US 20160358197A1
• Time in Patent Office: 1,044 Days
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives

Abstract

A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.

Claims

1. A method implemented in a computing apparatus having at least one processor and memory storing instructions which, when executed by the at least one processor, cause the computing apparatus to perform the method, comprising:

storing, in a data warehouse of the computing apparatus,

first data associating a communication reference with an account of a user; and

second data associating an offer with the account, the second data including;

a trigger record identifying the offer and a first set of conditions; and

a second set of conditions which when satisfied by a transaction render the transaction eligible to a benefit of the offer;

detecting, by a transaction handler of the computing apparatus using the trigger record during processing of payment transactions in an electronic payment processing network, an authorization request for a first transaction from a transaction terminal, based on a determination that the first transaction satisfies the first set of conditions specified in the trigger record, wherein;

the authorization request identifies the account; and

the transaction handler is configured in an electronic payment processing network connecting separate computers, including;

transaction terminals configured to initiate transactions of payments in the electronic payment processing network using account information identifying consumer accounts;

first computers controlling the consumer accounts from which the payments are made in the electronic payment processing network;

second computers controlling merchant accounts into which the payments are provided in the electronic payment processing network; and

the transaction handler interconnecting the first computers and the second computers;

in response to the authorization request being detected via the trigger record;

identifying the offer based on the trigger record;

determining whether the second set of conditions is satisfied in view of the first transaction requested by the authorization request; and

in response to a determination that the second set of conditions is satisfied,

processing by the transaction handler the authorization request by;

communicating with a sponsor processor of the benefit for authorization of the benefit to obtain a first authorization response from the sponsor processor,

communicating with an issuer processor of the account for authorization in the account to obtain a second authorization response from the issuer processor,

combining the first authorization response from the sponsor processor and the second authorization response from the issuer processor to generate a third authorization response; and

transmitting the third authorization response to the transaction terminal as a response to the authorization request detected via the trigger record; and

transmitting a notification to a user device identified by the communication reference about application of the offer to the first transaction, concurrently with transmission of the third authorization response.

2. The method of claim 1, wherein the authorization request detected via the trigger record is received from an acquirer processor and identifies the account as a single source of payment for the transaction;

and the third authorization response is transmitted to the acquirer processor as a response to the authorization request detected via the trigger record.

3. The method of claim 2, wherein the notification is transmitted to the communication reference in response to a determination that the third authorization response approves the first transaction.

4. The method of claim 3, wherein a transaction amount in the authorization request detected via the trigger record is equal to a sum of:

a transaction amount in a first authorization request transmitted to the sponsor processor to receive the first authorization response, and

a transaction amount in a second authorization request transmitted to the issuer processor to receive the second authorization response.

5. The method of claim 4, wherein the third authorization response is generated to approve the first transaction if the first authorization response approves the first authorization request and the second authorization response approves the second authorization request;

and the third authorization response is generated to reject the first transaction if the first authorization response rejects the first authorization request or the second authorization response rejects the second authorization request.

6. The method of claim 4, wherein the first authorization request and the second authorization request are transmitted concurrently in the electronic payment processing network.

7. The method of claim 4, wherein the first authorization request identifies the benefit to receive the first authorization response;

and the second authorization request identifies a second transaction amount in the account to receive the second authorization response.

8. The method of claim 7, wherein the authorization request detected via the trigger record identifies a third transaction amount in the account;

and the method further comprising;

determining the second transaction amount by reducing the third transaction amount according to the benefit of the offer.

9. The method of claim 8, further comprising:

generating, by the transaction handler, the third authorization response that;

approves the transaction when the first authorization response approves the benefit and the second authorization response approves the second transaction amount in the account; and

rejects the transaction when the first authorization response rejects the benefit or the second authorization response rejects the second transaction amount in the account.

10. The method of claim 9, wherein in response to the determination that the benefit of the offer is applicable to the transaction, the transaction handler further communicates with a further sponsor processor for authorization of a further benefit of the offer;

the third authorization response is generated further based on a further authorization response from the further sponsor processor.

11. The method of claim 1, wherein a transaction amount approved in the third authorization response is equal to the sum of a transaction amount approved in the first authorization response and a transaction amount approved in the second authorization response.

12. The method of claim 11, wherein the transaction handler interconnects issuer processors and acquirer processors in the electronic payment processing network;

and the transaction handler communicates with the sponsor processor and the issuer processor in the electronic payment processing network.

13. The method of claim 1, wherein the notification identifies a reduction in transaction amount in the account, reduced in accordance with the offer.

14. A non-transitory computer storage medium storing instructions which, when executed by at least one processor of a computing apparatus, cause the computing apparatus to perform a method, the method comprising:

storing, in a data warehouse of the computing apparatus,

first data associating a communication reference with an account of a user; and

second data associating an offer with the account, the second data including;

a trigger record identifying the offer and a first set of conditions; and

a second set of conditions which when satisfied by a transaction render the transaction eligible to a benefit of the offer;

detecting, by a transaction handler of the computing apparatus using the trigger record during processing of payment transactions in an electronic payment processing network, an authorization request for a first transaction from a transaction terminal, based on a determination that the first transaction satisfies the first set of conditions specified in the trigger record, wherein;

the authorization request identifies the account; and

the transaction handler is configured in an electronic payment processing network connecting separate computers, including;

transaction terminals configured to initiate transactions of payments in the electronic payment processing network using account information identifying consumer accounts;

first computers controlling the consumer accounts from which the payments are made in the electronic payment processing network;

second computers controlling merchant accounts into which the payments are provided in the electronic payment processing network; and

the transaction handler interconnecting the first computers and the second computers;

in response to the authorization request being detected via the trigger record;

identifying the offer based on the trigger record;

determining whether the second set of conditions is satisfied in view of the first transaction requested by the authorization request; and

in response to a determination that the second set of conditions is satisfied,

processing by the transaction handler the authorization request by;

communicating with a sponsor processor of the benefit for authorization of the benefit to obtain a first authorization response from the sponsor processor,

communicating with an issuer processor of the account for authorization in the account to obtain a second authorization response from the issuer processor,

combining the first authorization response from the sponsor processor and the second authorization response from the issuer processor to generate a third authorization response; and

transmitting the third authorization response to the transaction terminal as a response to the authorization request detected via the trigger record; and

transmitting a notification to a user device identified by the communication reference about application of the offer to the first transaction, concurrently with transmission of the third authorization response.