PROMOTIONAL ITEM IDENTIFICATION IN PROCESSING OF AN ACQUIRED TRANSACTION ON AN ISSUED ACCOUNT
First Claim
1. A method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include:
- receiving, at a transaction handler from a merchant'"'"'s acquirer, an authorization request for a transaction, wherein;
the transaction is conducted between the merchant and an accountholder on an account issued by an issuer to the accountholder;
any said transaction on the account can only be conducted with the merchant; and
the authorization request includes an amount for the transaction;
sending, from the transaction handler for delivery to the issuer, the authorization request;
receiving, at the transaction handler from the issuer, an authorization response to the authorization request, wherein the authorization response includes an amount different than the amount for the transaction; and
sending, from the transaction handler for delivery to the merchant'"'"'s acquirer, the authorization response.
1 Assignment
0 Petitions
Accused Products
Abstract
Disclosed methods enable an open loop system processing of private label and co-branded account transactions. Implementations in the open loop system employ communications directly between a merchant and an issuer offering promotional financing for a promotional item being purchased from the merchant. Other implementations in the open loop system enable different transaction amounts in an authorization request message and its corresponding authorization response as are respectively sent and received by a merchant, where the different can be for a promotion offered to an accountholder for conducting a transaction on an account with the merchant.
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Citations
20 Claims
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1. A method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include:
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receiving, at a transaction handler from a merchant'"'"'s acquirer, an authorization request for a transaction, wherein; the transaction is conducted between the merchant and an accountholder on an account issued by an issuer to the accountholder; any said transaction on the account can only be conducted with the merchant; and the authorization request includes an amount for the transaction; sending, from the transaction handler for delivery to the issuer, the authorization request; receiving, at the transaction handler from the issuer, an authorization response to the authorization request, wherein the authorization response includes an amount different than the amount for the transaction; and sending, from the transaction handler for delivery to the merchant'"'"'s acquirer, the authorization response. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include:
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receiving, at a transaction handler from a merchant'"'"'s acquirer, an authorization request for a transaction, wherein; the transaction is conducted between the merchant and an accountholder on an account issued by an issuer to the accountholder; any said transaction on the account can only be conducted with the merchant; the issuer is the acquirer; and the authorization request includes; an amount for the transaction; and an identifier for a item being purchased by the accountholder from the merchant; sending, from the transaction handler for delivery to the issuer, the authorization request; receiving, at the transaction handler from the issuer, an authorization response to the authorization request, wherein the authorization response includes; an amount different than the amount for the transaction; and an indicator from the issuer that the transaction is the first said transaction conducted on the account; sending, from the transaction handler for delivery to the merchant'"'"'s acquirer, the authorization response; facilitating, by the transaction handler, clearing and settlement of the transaction on the account between the issuer and the merchant'"'"'s acquirer for the amount in the authorization response, wherein the difference between the respective said amount in the authorization request and the authorization response is based upon at least one of; the indicator from the issuer that the transaction is the first said transaction conducted on the account; and the identifier for the item being purchased by the accountholder from the merchant. - View Dependent Claims (12, 13)
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14. A method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include:
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receiving, at a merchant, information for a transaction for a purchase of a promotion item and a non-promotional item, wherein; information includes an identifier for; an account issued by an issuer to the accountholder for the transaction which is being conducted on the account between the merchant and the accountholder; and the promotional item; and any said transaction on the account can only be conducted with the merchant; sending, from the merchant, an authorization request for the transaction for delivery to the issuer through a communication path through an acquirer and a transaction handler before the delivery to the issuer; receiving, at the merchant from the acquirer, an authorization response to the authorization request; sending, in a transmission directly from the merchant to the issuer, a promotional item settlement request that includes; the identifier for the promotional item; the identifier for the account; and an identifier for the transaction; sending, from the merchant, a transaction clearing request for the transaction for delivery to the issuer through a communication path through the acquirer and the transaction handler before the delivery to the issuer; receiving, at the merchant, a promotional item clearing response to the promotional item settlement request, wherein the promotional item clearing response includes settlement information corresponding to promotional financing from the issuer to the account holder derived from the identifier for the promotional item; and receiving, at the merchant from the acquirer, a transaction clearing response to the transaction settlement request. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification