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SYSTEMS AND METHODS FOR FACILITATING ISSUANCE AND REDEMPTION OF A REWARD

  • US 20130151323A1
  • Filed: 12/06/2012
  • Published: 06/13/2013
  • Est. Priority Date: 12/07/2011
  • Status: Abandoned Application
First Claim
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1. A computer-implemented method, comprising:

  • receiving, in a computing apparatus under control of an issuer of an account, an authorization request from a transaction handler of a payment network for a payment transaction between a cardholder of the account and a merchant, the authorization request identifying a first transaction amount and including account information configured to identify the account among a plurality of accounts issued by the issuer;

    processing, by the computing apparatus, the authorization request;

    during the processing of the authorization request,identifying, by the computing apparatus, an offer based on data stored in the computing apparatus, the data associating the offer with the account information,determining, by the computing apparatus, that the payment transaction is eligible for a benefit reward in accordance with the offer,determining, by the computing apparatus, a second transaction amount via applying the benefit reward to the first transaction amount, andgenerating, by the computing apparatus, an authorization response to the authorization request, the authorization response authorizing in the payment transaction the second transaction amount but not the first transaction amount, the authorization response including an indication that a difference between the first transaction amount and the second transaction amount is not due to insufficient funds in the account; and

    transmitting, by the computing apparatus, the authorization response to the transaction handler.

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