METHOD AND APPARATUS FOR REWARD MESSAGING, DISCOUNTING AND REDEMPTION AT THE POINT OF INTERACTION
First Claim
Patent Images
1. A method, comprising:
- receiving, from a point of interaction, an authorization request message identifying a requested purchase transaction, said authorization request message including data identifying a payment account identifier and a purchase amount;
determining that said payment account identifier is eligible for a reward and selecting a reward message associated with said reward; and
transmitting an authorization response message including said reward message to said point of interaction for communication to an account holder.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems, methods, apparatus, means and computer program code are provided including receiving, from a point of interaction, an authorization request message identifying a requested purchase transaction, the authorization request message including data identifying a payment account identifier and a purchase amount; determining that the payment account identifier is eligible for a reward and selecting a reward message associated with the reward; and transmitting an authorization response message including the reward message to the point of interaction for display to an account holder.
375 Citations
20 Claims
-
1. A method, comprising:
-
receiving, from a point of interaction, an authorization request message identifying a requested purchase transaction, said authorization request message including data identifying a payment account identifier and a purchase amount; determining that said payment account identifier is eligible for a reward and selecting a reward message associated with said reward; and transmitting an authorization response message including said reward message to said point of interaction for communication to an account holder. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
-
-
14. An apparatus comprising:
-
a processor; and a memory in communication with the processor, the memory storing program instructions, the processor operative with the program instructions to; receiving, from a point of interaction, an authorization request message identifying a requested purchase transaction, said authorization request message including data identifying a payment account identifier and a purchase amount; determining that said payment account identifier is eligible for a reward and selecting a reward message associated with said reward; and transmitting an authorization response message including said reward message to said point of interaction for communication to an account holder.
-
-
15. A rewards system, comprising:
-
a point of interaction generating a transaction authorization request message including a purchase amount, and a customer account identifier; and an authorization system, receiving the transaction authorization request message and determining that the customer account identifier is eligible for rewards processing, the authorization system generating an updated transaction authorization request message, the updated transaction authorization request message including information identifying at least a first reward message. - View Dependent Claims (16, 17, 18, 19, 20)
-
Specification