METHOD AND APPARATUS FOR PROCESSING CREDIT CARD TRANSACTIONS
First Claim
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1. An apparatus for providing an offer during a transaction between a merchant and a customer, comprising:
- a processor; and
a storage device in communication with the processor, the storage device storing instructions that when executed by the processor direct the processor to perform;
receiving a request for authorization of a purchase amount, the purchase amount to be paid from a financial account of the customer;
determining an offer based on the received request;
transmitting an authorization of the purchase amount;
transmitting the offer for output to the customer on a record of charge;
receiving an acceptance of the offer by the customer; and
providing a benefit to the customer after receiving the acceptance,in which the offer defines an obligation for the customer to fulfill in exchange for the benefit.
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Abstract
Systems and methods are disclosed whereby credit and debit card transactions are processed at a merchant point-of-sale terminal in a manner that provides customers the opportunity to receive one or more charge enhancement offers which are presented to the customer on a record of charge.
60 Citations
20 Claims
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1. An apparatus for providing an offer during a transaction between a merchant and a customer, comprising:
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a processor; and a storage device in communication with the processor, the storage device storing instructions that when executed by the processor direct the processor to perform; receiving a request for authorization of a purchase amount, the purchase amount to be paid from a financial account of the customer; determining an offer based on the received request; transmitting an authorization of the purchase amount; transmitting the offer for output to the customer on a record of charge; receiving an acceptance of the offer by the customer; and providing a benefit to the customer after receiving the acceptance, in which the offer defines an obligation for the customer to fulfill in exchange for the benefit. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification