Systems and Methods for Redemption of Offers
First Claim
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.
1 Assignment
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Accused Products
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.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A tangible computer-storage medium storing instructions configured to instruct a computing apparatus to:
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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.
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19. A computing apparatus, comprising:
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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. - View Dependent Claims (20)
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Specification