Method and System for Enabling Promotion of Product(s) and/or Service(s)

• US 20100057554A1
• Filed: 09/03/2009
• Published: 03/04/2010
• Est. Priority Date: 09/04/2008
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Lanford, Matthew
• Application Number:
  US12/553,499
• Publication Number:
  US 20100057554A1
• Time in Patent Office: Days
• US Class Current: 705/14.380
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]

Abstract

At least one promotional program manager provides a plurality of merchants with a list of item identifiers for a plurality of items eligible for a promotion, and a list of device identifying numbers of payment devices associated with the promotion. A given one of the merchants identifies, during a putative purchase transaction with a given one of the payment devices, at least one of the plurality of items eligible for the promotion. The given one of the merchants, and an acquiring entity, cooperatively format and dispatch an authorization request. The authorization request is sent to an issuing entity of the given one of the payment devices, via an operator of a payment network. The authorization request includes a given one of the device identifiers associated with the given one of the prepaid payment devices, a given one of the item identifiers associated with the at least one of the plurality of items eligible for the promotion, and price data associated with the at least one of the plurality of items eligible for the promotion. The issuing entity prepares and sends an authorization request response to the authorization request. The authorization request response is sent from the issuing entity to the merchant, via the operator of the payment network and the acquiring entity. The authorization request response indicates whether the putative purchase of the at least one of the plurality of items eligible for the promotion with the given one of the prepaid payment devices is approved. The method further includes the promotional program manager applying the promotion to the given eligible item.

Claims

1. A method comprising the steps of:

facilitating at least one promotional program manager providing a plurality of merchants with a list of item identifiers for a plurality of items eligible for a promotion;

facilitating said at least one promotional program manager providing said plurality of merchants with a list of device identifying numbers of payment devices associated with said promotion;

facilitating a given one of said merchants identifying, during a putative purchase transaction with a given one of said payment devices, at least one of said plurality of items eligible for said promotion;

facilitating said given one of said merchants, and an acquiring entity, cooperatively formatting and dispatching an authorization request to an issuing entity of said given one of said payment devices, via an operator of a payment network, said authorization request comprising at least;

a given one of said device identifiers associated with said given one of said payment devices;

a given one of said item identifiers associated with said at least one of said plurality of items eligible for said promotion; and

price data associated with said at least one of said plurality of items eligible for said promotion;

facilitating said issuing entity preparing and sending an authorization request response to said authorization request, said authorization request response being sent from said issuing entity to said merchant, via said operator of said payment network and said acquiring entity, said authorization request response indicating whether said putative purchase, of said at least one of said plurality of items eligible for said promotion, with said given one of said payment devices, is approved; and

facilitating said promotional program manager applying said promotion to said at least one of said plurality of items eligible for said promotion.

2. The method of claim 1, further comprising said operator of said payment network editing said authorization request without logging said given one of said item identifiers associated with said at least one of said plurality of items eligible for said promotion.

3. The method of claim 2, wherein said putative purchase transaction with said given one of said payment devices includes at least one ineligible item not eligible for said promotion, further comprising said given one of said merchants sorting said at least one of said plurality of items eligible for said promotion ahead of said at least one ineligible item on a register receipt associated with said putative purchase transaction.

4. The method of claim 3, wherein:

said authorization request includes a total amount comprising;

an extended price for said at least one of said plurality of items eligible for said promotion, reflected in said price data; and

an extended price for said at least one ineligible item;

said authorization request response further reflects approval of an approved amount less than said total amount, due to disapproval of said at least one ineligible item.

5. The method of claim 4, further comprising facilitating said given one of said merchants initiating a split tender transaction for said total amount less said approved amount.

6. The method of claim 4, further comprising repeating said steps of facilitating identifying, facilitating formatting and dispatching, and facilitating preparing and sending, for at least another putative purchase transaction of another given one of said items eligible for said promotion, wherein a promotional balance of said given one of said payment devices is less than an extended price of said another given one of said items eligible for said promotion, and wherein said authorization request response indicates approval of an approved amount equal to said promotional balance.

7. The method of claim 1, wherein said putative purchase transaction of said at least one of said plurality of items eligible for said promotion is authorized against a first purse of said given one of said payment devices, said given one of said payment devices having at least a second purse, further comprising charging at least one item not eligible for said promotion against said second purse.

8. The method of claim 1, wherein said at least one program manager comprises said issuing entity.

9. The method of claim 1, wherein said given one of said payment devices comprises a prepaid payment card.

10. The method of claim 1, wherein said given one of said device identifiers comprises a bank identification number.

11. The method of claim 1, wherein said payment network is of a kind wherein a single operator facilitates transactions between multiple issuers and multiple acquirers.

12. The method of claim 1, further comprising facilitating inventory management systems of said plurality of merchants flagging, in said inventory management systems, said plurality of items eligible for said promotion, based on said list of item identifiers.

13. The method of claim 1, further comprising facilitating point of sale systems of said plurality of merchants flagging, in said point of sale systems, said payment devices associated with said promotion, based on said list of device identifying numbers.

14. The method of claim 13, further comprising determining whether said given one of said payment devices is associated with said promotion, wherein said given one of said item identifiers is included in said authorization request message in response to determining that said given one of said payment devices is associated with said promotion.

15. The method of claim 1, wherein said given one of said item identifiers comprises a universal product code, and wherein said authorization request further comprises an item identifier type indicating that said given one of said item identifiers comprises said universal product code.

16. The method of claim 1, wherein said given one of said item identifiers comprises a stock keeping unit number, and wherein said authorization request further comprises an item identifier type indicating that said given one of said item identifiers comprises said stock keeping unit number.

17. The method of claim 1, further comprising translating said given one of said item identifiers.

18. A method comprising the steps of:

sending, from a promotional program manager to a plurality of merchants, a list of item identifiers for a plurality of items eligible for a promotion;

sending, from said promotional program manager to said plurality of merchants, a list of device identifying numbers of payment devices associated with said promotion;

receiving, from a given one of said merchants, and an acquiring entity, an authorization request for a putative transaction, via an operator of a payment network, said authorization request comprising at least;

a given one of said device identifiers associated with a given one of said payment devices presented in connection with said putative transaction;

a given one of said item identifiers associated with at least one of said plurality of items, from said putative transaction, eligible for said promotion; and

price data associated with said at least one of said plurality of items eligible for said promotion;

preparing and sending an authorization request response to said authorization request, said authorization request response being sent to said merchant, via said operator of said payment network and said acquiring entity, said authorization request response indicating whether said putative purchase, of said at least one of said plurality of items eligible for said promotion, with said given one of said payment devices, is approved; and

applying said promotion to said at least one of said plurality of items eligible for said promotion.

19. A system comprising:

means for facilitating at least one promotional program manager providing a plurality of merchants with a list of item identifiers for a plurality of items eligible for a promotion;

means for facilitating said at least one promotional program manager providing said plurality of merchants with a list of device identifying numbers of payment devices associated with said promotion;

means for facilitating a given one of said merchants identifying, during a putative purchase transaction with a given one of said payment devices, at least one of said plurality of items eligible for said promotion;

means for facilitating said given one of said merchants, and an acquiring entity, cooperatively formatting and dispatching an authorization request to an issuing entity of said given one of said payment devices, via an operator of a payment network, said authorization request comprising at least;

a given one of said device identifiers associated with said given one of said payment devices;

a given one of said item identifiers associated with said at least one of said plurality of items eligible for said promotion; and

price data associated with said at least one of said plurality of items eligible for said promotion;

means for facilitating said issuing entity preparing and sending an authorization request response to said authorization request, said authorization request response being sent from said issuing entity to said merchant, via said operator of said payment network and said acquiring entity, said authorization request response indicating whether said putative purchase, of said at least one of said plurality of items eligible for said promotion, with said given one of said payment devices, is approved; and

means for facilitating said promotional program manager applying said promotion to said at least one of said plurality of items eligible for said promotion.

20. An issuer platform comprising:

a memory;

an issuer platform software module embodied on a tangible, computer-readable, recordable storage medium; and

at least one hardware processor, operative to execute said issuer platform software module when loaded into said memory, so as to;

sending, to a plurality of merchants, a list of item identifiers for a plurality of items eligible for a promotion;

sending, to said plurality of merchants, a list of device identifying numbers of payment devices associated with said promotion;

receiving, from a given one of said merchants, and an acquiring entity, an authorization request for a putative transaction, via an operator of a payment network, said authorization request comprising at least;

a given one of said device identifiers associated with a given one of said payment devices presented in connection with said putative transaction;

a given one of said item identifiers associated with at least one of said plurality of items, from said putative transaction, eligible for said promotion; and

price data associated with said at least one of said plurality of items eligible for said promotion;

prepare and send an authorization request response to said authorization request, said authorization request response being sent to said merchant, via said operator of said payment network and said acquiring entity, said authorization request response indicating whether said putative purchase, of said at least one of said plurality of items eligible for said promotion, with said given one of said payment devices, is approved; and

apply said promotion to said at least one of said plurality of items eligible for said promotion.

21. The issuer platform of claim 20, wherein:

said putative purchase transaction with said given one of said payment devices includes at least one ineligible item not eligible for said promotion;

said authorization request includes a total amount comprising;

an extended price for said at least one of said plurality of items eligible for said promotion, reflected in said price data; and

an extended price for said at least one ineligible item;

said authorization request response further reflects approval of an approved amount less than said total amount, due to disapproval of said at least one ineligible item; and

said at least one hardware processor is further operative to repeating said steps of receiving, and preparing and sending, for at least another putative purchase transaction of another given one of said items eligible for said promotion, wherein a promotional balance of said given one of said prepaid payment devices is less than an extended price of said another given one of said items eligible for said promotion, and wherein said authorization request response indicates approval of an approved amount equal to said promotional balance.

22. The issuer platform of claim 20, wherein said putative purchase transaction of said at least one of said plurality of items eligible for said promotion is authorized against a first purse of said given one of said payment devices, said given one of said payment devices having at least a second purse, wherein said at least one hardware processor is further operative to charge at least one item not eligible for said promotion against said second purse.

23. A system comprising:

an issuer platform comprising a memory, an issuer platform software module embodied on a tangible, computer-readable, recordable storage medium, and at least one hardware processor, operative to execute said issuer platform software module when loaded into said memory;

a virtual private payment network coupled to said issuer platform; and

a plurality of merchant point of sale systems coupled to said virtual private payment network;

wherein;

said issuer platform provides said plurality of merchant point of sale systems with a list of item identifiers for a plurality of items eligible for a promotion;

said issuer platform provides said plurality of merchant point of sale systems with a list of device identifying numbers of payment devices associated with said promotion;

a given one of said merchant point of sale systems identifies, during a putative purchase transaction with a given one of said payment devices, at least one of said plurality of items eligible for said promotion;

said given one of said merchant point of sale systems facilitates formatting and dispatching an authorization request to said issuer platform, via said virtual private payment network, said authorization request comprising at least;

a given one of said device identifiers associated with said given one of said payment devices;

a given one of said item identifiers associated with said at least one of said plurality of items eligible for said promotion; and

price data associated with said at least one of said plurality of items eligible for said promotion;

said issuer platform prepares and sends an authorization request response to said authorization request, said authorization request response being sent from said issuer platform to said merchant, via said virtual private payment network, said authorization request response indicating whether said putative purchase, of said at least one of said plurality of items eligible for said promotion, with said given one of said payment devices, is approved; and

said issuer platform applies said promotion to said at least one of said plurality of items eligible for said promotion.

24. The system of claim 23, wherein said given one of said device identifiers comprises a bank identification number.

25. The system of claim 23, wherein said virtual private payment network is of a kind wherein a single operator facilitates transactions between multiple issuers and multiple acquirers.