Systems and Methods for Redemption of Offers

• US 20110288918A1
• Filed: 05/23/2011
• Published: 11/24/2011
• Est. Priority Date: 05/24/2010
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Ma, Gwen Diane, Cervenka, Karen Louise
• Application Number:
  US13/113,710
• Publication Number:
  US 20110288918A1
• Time in Patent Office: Days
• US Class Current: 705/14.17
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

In one aspect, a computing apparatus is configured to automate the redemption of offers, such as manufacturer coupons, which require the purchase of specific items identified in the offers for their redemption. The computing apparatus is to store offers in connection with accounts of users (e.g., credit cards, debit cards, prepaid cards). When the accounts are used to make purchases, the authorization response messages from the transaction handler may include indicators to request purchase details, if the corresponding accounts have associated offers pending for redemption. When the purchase details show that the users have made the purchases required for the redemption of the offers, the benefits of the offers are provided to the accounts of the users via statement credits. Optional email or mobile alerts may be provided to the users to report the automated redemption of the offers.

Claims

1. A computer-implemented method, comprising:

receiving, by a computing apparatus, an account identifier of a user for a transaction to make a payment from an issuer to an acquirer via a transaction handler coupled between an issuer processor of the issuer and an acquirer processor of the acquirer, the account identifier being submitted in an authorization request for the transaction from a merchant to the acquirer processor, the account identifier previously issued by the issuer to the user to allow the issuer processor to make the payment on behalf of the user, the acquirer processor configured to receive the payment on behalf of the merchant;

configuring, by the computing apparatus, an authorization response message to the merchant to include an indicator requesting purchase details identifying items purchased via the payment; and

receiving, by the computing apparatus from a device of the merchant, data including the purchase details in response to the indicator.

2. The method of claim 1, further comprising:

identifying, by the computing apparatus, an offer associated with the account identifier, wherein redemption of the offer requires verification of purchasing of a pre-specified item;

wherein the configuring of the authorization response message to include the indicator requesting the purchase details is in response to the offer being identified during processing the authorization request for the transaction.

3. The method of claim 2, further comprising:

determining, by the computing apparatus, whether the purchase details received from the merchant include the pre-specified item required for the redemption of the offer.

4. The method of claim 3, further comprising:

if the purchase details include the item required for the redemption of the offer, providing a benefit of the offer to the user via statement credit.

5. The method of claim 3, wherein the purchase details are received from the merchant together with a settlement request for the transaction.

6. The method of claim 3, wherein the purchase details are received via a portal of the transaction handler, the portal being outside a communication channel used to propagate the authorization request from the merchant.

7. The method of claim 3, further comprising:

storing the offer in connection with the account identifier in a data warehouse of the transaction handler in response to a request from the user.

8. The method of claim 3, wherein the offer comprises one of:

discount, rebate, and cash back.

9. The method of claim 3, further comprising:

providing a message to the user via a communication identifier of the user associated with the account identifier, if the purchase details include the item required for the redemption of the offer, the message indicating the redemption of the offer automated by the computing apparatus.

10. The method of claim 1, wherein the authorization response message includes an authorization code indicating whether the authorization request is approved or rejected;

and the data including the purchase details further includes the authorization code.

11. The method of claim 10, further comprising:

receiving, by the computing apparatus, a response to the authorization request from the issuer processor; and

identifying, by the computing apparatus, the authorization code;

wherein the computing apparatus is configured to not include in the authorization response message the indicator requesting the purchase details, if the authorization code indicates that the authorization request is rejected.

12. The method of claim 1, further comprising:

determining, by the computing apparatus during processing of the authorization request, whether the transaction is associated with a task, wherein processing of the task requires information identifying the items purchased via the payment;

wherein the computing apparatus is configured to set the indicator in the authorization response message in response to a determination that the transaction is associated with the task.

13. The method of claim 12, wherein the computing apparatus is configured to not set the indicator in the authorization response message in response to a determination, made during the processing of the authorization request, that there is no task associated with the transaction, processing of which task requires information identifying at least one item purchased via the payment.

14. The method of claim 12, wherein the purchase details use stock keeping unit numbers to identify the items purchased via the payment.

15. The method of claim 12, further comprising:

transmitting, by the computing apparatus, the purchase details to a destination identified in the data received from the device of the merchant.

16. The method of claim 15, wherein the destination is one of:

the issuer processor and the acquirer processor.

17. The method of claim 1, wherein the device of the merchant from which the data including the purchase details is received is a point of sale terminal.

18. A tangible computer-storage medium storing instructions configured to instruct a computing apparatus to:

receive, by the computing apparatus, an account identifier of a user for a transaction to make a payment from an issuer to an acquirer via a transaction handler coupled between an issuer processor of the issuer and an acquirer processor of the acquirer, the account identifier being submitted in an authorization request for the transaction from a merchant to the acquirer processor, the account identifier previously issued by the issuer to the user to allow the issuer processor to make the payment on behalf of the user, the acquirer processor configured to receive the payment on behalf of the merchant;

configure, by the computing apparatus, an authorization response message to the merchant to include an indicator requesting purchase details identifying items purchased via the payment; and

receive, by the computing apparatus from a device of the merchant, data including the purchase details in response to the indicator.

19. A computing apparatus, comprising:

a data warehouse configured to store task data associated with an account identifier previously issued by an issuer to an user;

a transaction handler coupled with the data warehouse and configured to process an authorization request for a transaction to make a payment from the issuer to an acquirer, the transaction handler coupled between an issuer processor of the issuer and an acquirer processor of the acquirer to process the transaction, the issuer processor configured to make the payment on behalf of the user, the acquirer processor configured to receive the payment on behalf of a merchant, the transaction handler configured to set, based on the task data associated with the account identifier specified in the authorization request, an indicator in an authorization response responsive to the authorization request, the indicator requesting purchase details about items purchased via the payment; and

a portal coupled with the transaction handler and configured to receive, from a communication device of the merchant and responsive to the indicator set in the authorization response, purchase data including the purchase details.

20. The computing apparatus of claim 19, wherein the task data includes offer data representing a coupon provided to the user, redemption of the coupon requiring verification of purchase of a pre-specified item;

the portal is configured to determine whether the purchase details verify the purchase of the pre-specified item; and

if the purchase of the pre-specified item is verified via the purchase details by the portal, the transaction handler is configured to provide a benefit of the coupon to the user via statement credit.