TRANSACTION PROCESSING ENTITY DEVICE SUPPORT OF AN INTEGRATED OFFER NETWORK
First Claim
1. A method, comprising:
- communicating with merchant devices to collect merchant offers;
communicating, via a transaction entity device, with issuer devices to collect issuer criteria including criteria of a first issuer;
providing, to a first issuer device of the first issuer, a list of options in accordance with the criteria of the first issuer, wherein the list of options is based on at least one of the merchant offers;
receiving, from the first issuer device, at least one issuer selection from the list of options to provide a list of available offers for a group of cards including a first card;
providing, to a first cardholder device associated with the first card, the list of available offers;
receiving, from the first cardholder device, at least one cardholder selection from the list of available offers; and
processing, via the transaction entity device, transactions for the group of cards, including processing transactions for the first card in accordance with the at least one cardholder selection.
1 Assignment
0 Petitions
Accused Products
Abstract
A method begins by generate, for each of a plurality of merchant devices, an offer data file to produce a plurality of offer data files. The method continues by: compiling, for one issuer device, an options data file for a group of credit cards based on at least one of the plurality of offer data files; transmitting the options data file to the issuer device; receiving, from the issuer device, at least one selection from the options data file to produce an options program file for the group of credit cards; receiving, from a card holder device associated with one of the group of credit cards, a selection of at least one option from the options program file to produce at least one selected option; and processing transactions of the one of the group of credit cards in accordance with the at least one selected option.
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Citations
20 Claims
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1. A method, comprising:
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communicating with merchant devices to collect merchant offers; communicating, via a transaction entity device, with issuer devices to collect issuer criteria including criteria of a first issuer; providing, to a first issuer device of the first issuer, a list of options in accordance with the criteria of the first issuer, wherein the list of options is based on at least one of the merchant offers; receiving, from the first issuer device, at least one issuer selection from the list of options to provide a list of available offers for a group of cards including a first card; providing, to a first cardholder device associated with the first card, the list of available offers; receiving, from the first cardholder device, at least one cardholder selection from the list of available offers; and processing, via the transaction entity device, transactions for the group of cards, including processing transactions for the first card in accordance with the at least one cardholder selection. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system, comprising:
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at least one processor; and memory storing instructions configured to instruct the at least one processor to; communicate with merchant devices to collect merchant offers; communicate with issuer devices to collect issuer criteria including criteria of a first issuer; provide, to a first issuer device of the first issuer, a list of options in accordance with the criteria of the first issuer, wherein the list of options is based on at least one of the merchant offers; receive, from the first issuer device, at least one issuer selection from the list of options to provide a list of available offers for a group of cards including a first card; provide, to a first cardholder device associated with the first card, the list of available offers; receive, from the first cardholder device, at least one cardholder selection from the list of available offers; and process transactions for the group of cards, including processing transactions for the first card in accordance with the at least one cardholder selection. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable storage medium storing computer-readable instructions, which when executed, cause a system to:
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communicate with merchant devices to collect merchant offers; communicate with issuer devices to collect issuer criteria including criteria of a first issuer; provide, to a first issuer device of the first issuer, a list of options in accordance with the criteria of the first issuer, wherein the list of options is based on at least one of the merchant offers; receive, from the first issuer device, at least one issuer selection from the list of options to provide a list of available offers for a group of cards including a first card; provide, via a transaction entity device, to a first cardholder device associated with the first card, the list of available offers; receive, from the first cardholder device, at least one cardholder selection from the list of available offers; and process transactions for the group of cards, including processing transactions for the first card in accordance with the at least one cardholder selection. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification