COUPON BEARING SPONSOR ACCOUNT TRANSACTION AUTHORIZATION
First Claim
1. A method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include:
- receiving a coupon authorization request message from a merchant that identifies a sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant;
sending the coupon authorization request message to an issuer of the sponsor account;
receiving, in response to the coupon authorization request message, a coupon authorization response message containing eligibility of the coupon for use by the consumer for the purchase of the item in the transaction with the merchant;
sending the coupon authorization response message to the merchant;
receiving a consumer authorization request message from the merchant identifying a consumer account upon which the transaction with the merchant is to be conducted;
sending the consumer authorization request message to an issuer of the consumer account;
receiving, in response to the consumer authorization request message, a consumer authorization response message from the issuer of the consumer account, wherein the consumer authorization response message identifies the eligibility of the consumer account for use to conduct the transaction with the merchant; and
sending the consumer authorization response message to the merchant.
1 Assignment
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Accused Products
Abstract
A transaction handler receives, for forwarding to a sponsor account'"'"'s issuer, a coupon authorization request message from a merchant'"'"'s acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer'"'"'s account to pay of the transaction.
99 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 a coupon authorization request message from a merchant that identifies a sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant; sending the coupon authorization request message to an issuer of the sponsor account; receiving, in response to the coupon authorization request message, a coupon authorization response message containing eligibility of the coupon for use by the consumer for the purchase of the item in the transaction with the merchant; sending the coupon authorization response message to the merchant; receiving a consumer authorization request message from the merchant identifying a consumer account upon which the transaction with the merchant is to be conducted; sending the consumer authorization request message to an issuer of the consumer account; receiving, in response to the consumer authorization request message, a consumer authorization response message from the issuer of the consumer account, wherein the consumer authorization response message identifies the eligibility of the consumer account for use to conduct the transaction with the merchant; and sending the consumer authorization response message to the merchant. - View Dependent Claims (2, 3, 4)
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5. A method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include:
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receiving, at an address corresponding to an issuer of a sponsor account from an address of a transaction handler via an address for an acquirer for a merchant that is conducting a transaction with a consumer, an authorization request message originating from an address of the merchant, wherein the authorization request message includes information sufficient to identify the sponsor account and a coupon for an item being purchased by the consumer in the transaction with the merchant; retrieving, using the information in the authorization request message, coupon eligibility data pertaining to the sponsor account and the coupon; determining, using the coupon eligibility data, eligibility of the coupon for use by the consumer for the purchase of the item in the transaction with the merchant; and sending, in response to the authorization request message, an authorization response message for delivery to the address corresponding to the merchant via addresses respectively corresponding to the transaction handler and the merchant'"'"'s acquirer, wherein the authorization response message includes an identifier corresponding to eligibility of the coupon for use by the consumer for the purchase of the item in the transaction with the merchant. - View Dependent Claims (6, 7, 8, 9, 10, 11)
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12. A method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include:
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receiving, at an address corresponding to an issuer of a sponsor account from an address of a transaction handler via an address for an acquirer for a merchant that is conducting a transaction with a consumer, an authorization request message originating from an address of the merchant, wherein the authorization request message includes information sufficient to identify; the sponsor account; and a Globally Unique IDentifier (GUID) for a coupon for an item being purchased by the consumer in the transaction with the merchant; retrieving, using the information in the authorization request message; a predetermined set of conditions for use of the coupon for the purchase of the item in the transaction with the merchant; and a currency available balance of the sponsor account; determining, using the retrieved predetermined set of conditions for use of the coupon for the purchase of the item in the transaction with the merchant and the retrieved currency available balance of the sponsor account, eligibility of the coupon for use by the consumer for the purchase of the item in the transaction with the merchant; and sending, in response to the authorization request message, an authorization response message for delivery to the address corresponding to the merchant via addresses respectively corresponding to the transaction handler and the merchant'"'"'s acquirer, wherein the authorization response message includes an identifier corresponding to eligibility of the coupon for use by the consumer for the purchase of the item in the transaction with the merchant. - View Dependent Claims (13, 14, 15, 16)
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17. A method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include:
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receiving, at an address corresponding to a transaction handler from an address for an acquirer for a merchant that is conducting a transaction with a consumer, a coupon authorization request message originating from an address of the merchant, wherein the coupon authorization request message includes information sufficient to identify a sponsor account and a coupon for an item being purchased by the consumer in the transaction with the merchant; retrieving, using information in the coupon authorization request message, an address corresponding to an issuer of the sponsor account; sending the coupon authorization request message to the address corresponding to the issuer of the sponsor account; receiving, in response to the coupon authorization request message, a coupon authorization response message from the address of the issuer of the sponsor account, wherein the coupon authorization response message includes an identifier corresponding to eligibility of the coupon for use by the consumer for the purchase of the item in the transaction with the merchant; sending the coupon authorization response message for delivery to the address corresponding to the merchant via the address of the merchant'"'"'s acquirer; receiving, at the address corresponding to a transaction handler from the address for the acquirer for the merchant that is conducting the transaction with the consumer, a consumer authorization request message originating from the address of the merchant, wherein the consumer authorization request message includes information sufficient to identify a consumer account issued to the consumer by an issuer and upon which the transaction with the merchant is to be conducted; retrieving, using information in the consumer authorization request message, an address corresponding to an issuer of the consumer account upon which the transaction with the merchant is to be conducted; sending the consumer authorization request message to the address corresponding to the issuer of the consumer account; receiving, in response to the consumer authorization request message, a consumer authorization response message from the address of the issuer of the consumer account, wherein the consumer authorization response message includes an identifier corresponding to eligibility of the consumer account for use to conduct the transaction with the merchant; and sending the consumer authorization response message for delivery to the address corresponding to the merchant via the address of the merchant'"'"'s acquirer. - View Dependent Claims (18, 19, 20)
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Specification