System And Method For Promotion Processing And Authorization
First Claim
1. A computer-implemented promotion processing system for generating and processing promotion rules for a promotion in a funds facilitation system, the funds facilitation system facilitating transactions between a payer and a payee, the system comprising:
- a user interface configured to;
receive promotion data, the promotion data comprising a promotion identification and a payee identification; and
associate the promotion identification with the payee identification;
a promotion rules database that stores the promotion rule;
a promotion processor configured to;
generate the promotion rule from the information provided from the user interface;
receive transaction data identifying the payee and the payer, andcompare the transaction data with the promotion rules stored in the database to identify the promotion rule associated with the payee identification; and
apply the promotion rule to the transaction data.
1 Assignment
0 Petitions
Accused Products
Abstract
An example funds facilitation system that facilitates transactions between a payer and payee includes a promotion processing system that facilitates the provision of promotions to account holders on the funds facilitation system. The party offering the promotion may be a merchant/payee that also has an account with the funds facilitation system. The promotion processing system applies promotion rules based on the identity of the merchant/payee and upon conditions placed on the promotion that identify a payer or a group of payers to receive the promotion. A user interface is provided for generating promotion rules and monitoring promotions. A user interface is also provided that displays unused promotion and gift codes and links to merchant/payee websites associated with the unused codes. The funds facilitation system can also provide authorization for purchases based on a condition, such as the age of the payer.
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Citations
55 Claims
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1. A computer-implemented promotion processing system for generating and processing promotion rules for a promotion in a funds facilitation system, the funds facilitation system facilitating transactions between a payer and a payee, the system comprising:
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a user interface configured to; receive promotion data, the promotion data comprising a promotion identification and a payee identification; and associate the promotion identification with the payee identification; a promotion rules database that stores the promotion rule; a promotion processor configured to; generate the promotion rule from the information provided from the user interface; receive transaction data identifying the payee and the payer, and compare the transaction data with the promotion rules stored in the database to identify the promotion rule associated with the payee identification; and apply the promotion rule to the transaction data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A computer-implemented method for processing promotions in a funds facilitation system that facilitates transaction between a payer and payee, the method comprising:
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receiving promotion data, the promotion data comprising a promotion identification and a payee identification; associating the promotion identification with the payee identification; generating a promotion rule based on the associated promotion identification and payee identification; storing the promotion rule in a promotion rules database; receiving at a promotion processor transaction data identifying the payee and the payer; and comparing the transaction data to the promotion rules stored in the database to identify the promotion rule associated with the payee identification; and applying the promotion rule to the transaction data; the receiving, generating, associating, storing, comparing, and applying steps being performed by software executable on one or more data processors. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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37. A display device for displaying a user interface for determining rules and parameters for a promotion in a funds facilitation system, the funds facilitation system facilitating transactions between a payer and a payee, the interface comprising:
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a rule field for entering a promotion identification, the promotion identification identifying a type of promotion; a condition field for entering a parameter that places a condition on the promotion; an account ID field for entering an account ID of the payee; wherein the promotion is applied to purchases made from the payee, and the condition on the promotion rule identifies a payer to receive the promotion. - View Dependent Claims (38, 39, 40, 41, 42)
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43. A computer-implemented method for processing transactions in a funds facilitation system, the funds facilitation system facilitating transactions between a payer and a payee, the method comprising:
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receiving age information associated with a payer; receiving an electronic transaction authorization request from a payee, the electronic transaction authorization request including information associated with an age-based condition; comparing the age information associated with the payer to the age-based condition; and processing the transaction based upon whether the age information associated with the payer meets the age-based condition; the receiving age information, receiving the electronic transaction authorization, comparing, and processing steps being performed by software executable on one or more data processors. - View Dependent Claims (44, 45, 46, 47, 48)
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49. A display device for displaying a promotion and gift code user interface for a funds facilitation system, the funds facilitation system facilitating transactions between a payer and a payee, the interface comprising:
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a presentation of an unused gift code or promotion code associated with a payer user account on the funds facilitation system; and a presentation of a link to a payee website associated with the gift code or promotion code. - View Dependent Claims (50, 51)
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52. A computer-implemented method for processing transactions in a funds facilitation system, the funds facilitation system authorizing and facilitating transactions between a payer and a payee, the method comprising:
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receiving account data associated with a payer; receiving an electronic transaction authorization request from a payee, the electronic transaction authorization request including information associated with a condition; comparing the account data associated with the payer to the condition; and authorizing and processing the transaction based upon whether the account data associated with the payer meets the condition; the receiving account data, receiving the electronic transaction authorization request, comparing, and authorizing and processing steps being performed by software executable on one or more data processors. - View Dependent Claims (53, 54, 55)
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Specification