Systems and Methods for Providing Value Added Services in Association with Payment Transactions

• US 20130080219A1
• Filed: 09/26/2012
• Published: 03/28/2013
• Est. Priority Date: 09/26/2011
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Friedman, Brian G., Nuzum, Todd, Adkisson, Brent Dewayne, Royyuru, Vijay Kumar, Wuhrer, Christopher, Zirkel, George S.
• Application Number:
  US13/627,683
• Publication Number:
  US 20130080219A1
• Time in Patent Office: Days
• US Class Current: 705/14.1
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the disclosure can relate to systems and methods for providing value added services in association with the processing of payment transactions. Certain embodiments of the disclosure can relate to provision of value added services in association with the processing of payment transactions. In one embodiment, a computer-implemented method for processing proposed transactions can be provided. The method can include receiving, from a merchant device by a service provider system comprising one or more computers, information associated with a purchase transaction; identifying, by the service provider system, one or more value added services applicable to the purchase transaction; and implementing, by the service provider system, the one or more applicable value added services.

Claims

1. A computer-implemented method for processing proposed transactions, the method comprising:

receiving, from a merchant device by a service provider system comprising one or more computers, information associated with a purchase transaction;

identifying, by the service provider system, one or more value added services applicable to the purchase transaction; and

implementing, by the service provider system, the one or more applicable value added services.

2. The computer-implemented method of claim 1, wherein identifying one or more applicable value added services comprises identifying one or more applicable value added services based at least in part upon one or more consumer parameters associated with a consumer for the purchase transaction.

3. The computer-implemented method of claim 1, wherein the one or more value added services comprise at least one of (i) a loyalty service, (ii) a coupon redemption service, (iii) a consumer device location-based service, (iv) an electronic receipt service, (v) a product registration service, (vi) a product warranty service, (vii) a coupon issuance service, (viii) a targeted advertisement service, or (ix) an auditing service.

4. A system for processing proposed transactions, the system comprising:

at least one memory configured to store computer-executable instructions; and

at least one processor configured to access the at least one memory and execute the computer-executable instructions to;

receive information associated with a purchase transaction;

identify one or more value added services applicable to the purchase transaction; and

implement the one or more applicable value added services.

5. The system of claim 4, wherein computer-executable instructions to identify one or more applicable value added services further comprise instructions to identify one or more applicable value added services based at least in part upon one or more consumer parameters associated with a consumer for the purchase transaction.

6. The system of claim 4, wherein the one or more value added services comprise at least one of (i) a loyalty service, (ii) a coupon redemption service, (iii) a consumer device location-based service, (iv) an electronic receipt service, (v) a product registration service, (vi) a product warranty service, (vii) a coupon issuance service, (viii) a targeted advertisement service, or (ix) an auditing service.

7. A method for processing proposed transactions, the method comprising:

receiving information associated with a purchase transaction;

identifying one or more value added services applicable to the purchase transaction; and

implementing the one or more applicable value added services.

8. The method of claim 7, wherein identifying one or more applicable value added services further comprises identifying one or more applicable value added services based at least in part upon one or more consumer parameters associated with a consumer for the purchase transaction.

9. The method of claim 7, wherein the one or more value added services comprise at least one of (i) a loyalty service, (ii) a coupon redemption service, (iii) a consumer device location-based service, (iv) an electronic receipt service, (v) a product registration service, (vi) a product warranty service, (vii) a coupon issuance service, (viii) a targeted advertisement service, or (ix) an auditing service.