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SUCCESSIVE OFFER COMMUNICATIONS WITH AN OFFER RECIPIENT

  • US 20110022424A1
  • Filed: 07/27/2009
  • Published: 01/27/2011
  • Est. Priority Date: 07/27/2009
  • Status: Active Grant
First Claim
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1. In a transaction processing system that includes a transaction handler processing a plurality of transactions each between a merchant and a consumer upon an account issued to the consumer by an issuer, and each being submitted by the merchant to an acquirer for processing by the transaction handler who requests the issuer to obtain payment for the transaction from the account and the issuer forwarding the payment for delivery to the acquirer to pay the merchant for the transaction, a computer implemented method comprising a plurality of steps each being performed using a computing apparatus executing software, the steps including:

  • receiving a first transmission having data corresponding to a point of interaction terminal communicatively connected to the transaction processing system and including;

    a globally unique identifier of a first said consumer corresponding to a first said account issued by a first said issuer; and

    information sufficient to determine a hard copy capability of the point of interaction terminal;

    retrieving, using the first globally unique identifier, an offer for the first said consumer that is;

    compatible with the hard copy capability of the point of interaction terminal;

    andusable towards a future said transaction with a first said merchant;

    forming a second transmission including the offer for delivery to, and rendering as a hardcopy upon, the point of interaction terminal along with a receipt associated with the first transmission;

    retrieving, using the globally unique identifier;

    a soft copy capability of a mobile electronic device of the first said consumer;

    andan announcement corresponding to the offer for the first said consumer that is compatible with the soft copy capability of the mobile electronic device of the first said consumer;

    andforming a third transmission including the announcement for delivery to, and rendering as a softcopy upon, the mobile electronic device of the first said consumer within a predetermined period of time after the forming of the second transmission.

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