Systems and Methods to Provide Discount at Point of Sales Terminals
First Claim
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1. A computer-implemented method, comprising:
- storing, in a computing apparatus comprising a transaction handler coupled between a plurality issuer processors and a plurality of acquirer processors, an offer in association with an account of a user;
receiving, in the transaction handler, an authorization request from an acquirer processor associated with a merchant for a transaction in a consumer account under control of an issuer processor;
determining, by the computing apparatus, whether the offer is applicable to the transaction during authorization of the transaction; and
in response to a determination that the offer is applicable to the transaction, modifying by the computing apparatus a transaction amount of the transaction after receiving the authorization request from the acquirer processor and before providing an authorization request to the acquirer processor.
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Abstract
A system and method includes a transaction handler configured to modify the transaction amount, in the authorization request or the authorization response of a transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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storing, in a computing apparatus comprising a transaction handler coupled between a plurality issuer processors and a plurality of acquirer processors, an offer in association with an account of a user; receiving, in the transaction handler, an authorization request from an acquirer processor associated with a merchant for a transaction in a consumer account under control of an issuer processor; determining, by the computing apparatus, whether the offer is applicable to the transaction during authorization of the transaction; and in response to a determination that the offer is applicable to the transaction, modifying by the computing apparatus a transaction amount of the transaction after receiving the authorization request from the acquirer processor and before providing an authorization request to the acquirer processor. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A computer storage media storing instructions configured to instruct a computing apparatus to at least perform:
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storing, in the computing apparatus comprising a transaction handler coupled between a plurality issuer processors and a plurality of acquirer processors, an offer in association with an account of a user; receiving, in the transaction handler, an authorization request from an acquirer processor associated with a merchant for a transaction in a consumer account under control of an issuer processor; determining, by the computing apparatus, whether the offer is applicable to the transaction during authorization of the transaction; and in response to a determination that the offer is applicable to the transaction, modifying by the computing apparatus a transaction amount of the transaction after receiving the authorization request from the acquirer processor and before providing an authorization request to the acquirer processor.
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18. A computing apparatus having at least a processor and a memory storing instructions configured to instruct the at least one processor to perform operations, the computing apparatus comprising:
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a data warehouse configured to store an offer in association with an account of a user; a transaction handler coupled with the data warehouse and coupled between a plurality issuer processors and a plurality of acquirer processors, the transaction handler configured to receive an authorization request from an acquirer processor associated with a merchant for a transaction in a consumer account under control of an issuer processor, determine whether the offer is applicable to the transaction during authorization of the transaction and, in response to a determination that the offer is applicable to the transaction, modify a transaction amount of the transaction after receiving the authorization request from the acquirer processor and before providing an authorization request to the acquirer processor. - View Dependent Claims (19, 20)
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Specification