SYSTEMS AND METHODS TO PROVIDE DISCOUNT AT POINT OF SALES TERMINALS
First Claim
Patent Images
1. A computer-implemented method, comprising:
- storing, in a computing apparatus, an offer in association with an account of a user;
receiving, in a transaction handler coupled between a plurality of issuer processors and a plurality of acquirer processors, 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 or not to provide a benefit of the offer to the transaction, after receiving the authorization request in the transaction handler;
in response to a determination that the benefit of the offer is be provided to the transaction, modifying by the transaction handler a transaction amount of the transaction prior to providing an authorization response to the acquirer processor; and
embedding, by the transaction handler, information in the authorization response to identify the offer applied to the transaction;
wherein the authorization request received from the acquirer processor requests authorization of a first transaction amount from the consumer account; and
wherein the authorization response provided to the acquirer processor authorizes a second transaction amount less than the first transaction amount to provide the benefit of the offer.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method configured to use a transaction handler to modify the transaction amount of a transaction between an acquirer processor and an issuer processor, during the processing of the authorization of the transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction and to provide information of the offer as applied to the transaction in the authorization response transmitted to the acquirer processor.
57 Citations
20 Claims
-
1. A computer-implemented method, comprising:
-
storing, in a computing apparatus, an offer in association with an account of a user; receiving, in a transaction handler coupled between a plurality of issuer processors and a plurality of acquirer processors, 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 or not to provide a benefit of the offer to the transaction, after receiving the authorization request in the transaction handler; in response to a determination that the benefit of the offer is be provided to the transaction, modifying by the transaction handler a transaction amount of the transaction prior to providing an authorization response to the acquirer processor; and embedding, by the transaction handler, information in the authorization response to identify the offer applied to the transaction; wherein the authorization request received from the acquirer processor requests authorization of a first transaction amount from the consumer account; and wherein the authorization response provided to the acquirer processor authorizes a second transaction amount less than the first transaction amount to provide the benefit of the offer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
-
-
17. A computer storage media storing instructions configured to instruct a computing apparatus to at least perform:
-
storing, in the computing apparatus, an offer in association with an account of a user; receiving, in a transaction handler coupled between a plurality of issuer processors and a plurality of acquirer processors, 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 or not to provide a benefit of the offer to the transaction, after receiving the authorization request in the transaction handler; in response to a determination that the benefit of the offer is be provided to the transaction, modifying by the transaction handler a transaction amount of the transaction prior to providing an authorization response to the acquirer processor; and embedding, by the transaction handler, information in the authorization response to identify the offer applied to the transaction; wherein the authorization request received from the acquirer processor requests authorization of a first transaction amount from the consumer account; and wherein the authorization response provided to the acquirer processor authorizes a second transaction amount less than the first transaction amount to provide the benefit of the offer.
-
-
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:
-
a data warehouse configured to store an offer in association with an account of a user; and a transaction handler coupled with the data warehouse and coupled between a plurality of 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 or not to provide a benefit of the offer to the transaction, after the authorization request is received in the transaction handler, in response to a determination that the benefit of the offer is be provided to the transaction, modify a transaction amount of the transaction before an authorization response is provided to the acquirer processor, and embed information in the authorization response to identify the offer applied to the transaction; wherein the authorization request received from the acquirer processor requests authorization of a first transaction amount from the consumer account; and wherein the authorization response provided to the acquirer processor authorizes a second transaction amount less than the first transaction amount to provide the benefit of the offer. - View Dependent Claims (19, 20)
-
Specification