SYSTEM AND METHOD FOR PROVIDING CONSUMER TIP ASSISTANCE AS PART OF PAYMENT TRANSACTION
First Claim
1. An apparatus for processing a payment transaction, comprising:
- an electronic processor programmed to execute a set of instructions;
a data storage device coupled to the processor; and
the set of instructions contained in the data storage device, wherein when the set of instructions are executed by the processor, the apparatus processes the payment transaction byreceiving an authorization message for a payment transaction;
processing the authorization message to determine if data contained in the message satisfies a condition specified by a consumer participating in the payment transaction for generating a transaction alert message regarding a gratuity for the payment transaction;
accessing data regarding the consumer'"'"'s desired content for the transaction alert message regarding the gratuity for the payment transaction if data contained in the authorization message satisfies the condition;
generating the transaction alert message containing information regarding the gratuity for the payment transaction based on the accessed data if data contained in the authorization message satisfies the condition; and
providing the transaction alert message to the consumer participating in the payment transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems, apparatuses, and methods for conducting payment transactions are disclosed. In exemplary embodiments, a consumer may wish to add a tip or gratuity when paying for a good or service, such as a meal at a restaurant. Exemplary systems may generate an alert or other form of message based on the transaction, where the alert or message may include a suggested amount for a tip and/or provide the consumer with information that may be used to determine an amount for the tip. In some embodiments, the systems, apparatuses, and methods may automatically generate an estimated amount for the tip based on previously established user preferences, with the estimated amount being added to the underlying cost of the good or service when authorization is sought for the transaction.
-
Citations
22 Claims
-
1. An apparatus for processing a payment transaction, comprising:
-
an electronic processor programmed to execute a set of instructions; a data storage device coupled to the processor; and the set of instructions contained in the data storage device, wherein when the set of instructions are executed by the processor, the apparatus processes the payment transaction by receiving an authorization message for a payment transaction; processing the authorization message to determine if data contained in the message satisfies a condition specified by a consumer participating in the payment transaction for generating a transaction alert message regarding a gratuity for the payment transaction; accessing data regarding the consumer'"'"'s desired content for the transaction alert message regarding the gratuity for the payment transaction if data contained in the authorization message satisfies the condition; generating the transaction alert message containing information regarding the gratuity for the payment transaction based on the accessed data if data contained in the authorization message satisfies the condition; and providing the transaction alert message to the consumer participating in the payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
-
-
11. A method of processing a payment transaction, comprising:
-
receiving an authorization message for a payment transaction; processing the authorization message to determine if data contained in the message satisfies a condition specified by a consumer participating in the payment transaction for generating a transaction alert message regarding a gratuity for the payment transaction; accessing data regarding the consumer'"'"'s desired content for the transaction alert message regarding the gratuity for the payment transaction if data contained in the authorization message satisfies the condition; generating the transaction alert message containing information regarding the gratuity for the payment transaction based on the accessed data if data contained in the authorization message satisfies the condition; and providing the transaction alert message to the consumer participating in the payment transaction. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
-
-
19. A system for processing payment transactions, comprising:
-
means for receiving a transaction authorization message from an acquirer; a processor programmed with a set of instructions; a data storage device coupled to the processor and containing the set of instructions; the set of instructions stored in the data storage device; means for enabling a consumer to provide preference data to the system, the preference data including data regarding when the consumer wants to be alerted regarding a payment transaction and a gratuity for the payment transaction; a database coupled to the processor containing the consumer provided preference data and data regarding gratuities for payment transactions; and means for delivering a message containing data regarding the gratuity for the payment transaction to the consumer to a device desired by the consumer; wherein when executed by the programmed processor, the set of instructions cause the system to process payment transactions by receiving an authorization message for the payment transaction; processing the authorization message to determine if data contained in the message satisfies a condition specified by the consumer for generating a transaction alert message regarding the gratuity for the payment transaction; accessing the database to determine the consumer'"'"'s desired content for the transaction alert message, the content including information regarding the gratuity for the payment transaction; generating the transaction alert message containing information regarding the gratuity for the payment transaction; and providing the transaction alert message to the consumer device desired by the consumer. - View Dependent Claims (20, 21, 22)
-
Specification