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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
First Claim
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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.

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