SYSTEMS AND METHODS FOR FACILITATING ISSUANCE AND REDEMPTION OF A REWARD
First Claim
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.
1 Assignment
0 Petitions
Accused Products
Abstract
A computing apparatus is configured to receive, from a transaction handler of a payment network, an authorization request for a payment transaction. The authorization request identifies a full transaction amount, as well as information identifying the merchant and the cardholder involved in the transaction. The computing apparatus is configured to determine the cardholder'"'"'s eligibility to receive a reward based on information provided in the authorization request, as well as offer information stored in association with the account information of the cardholder. When the cardholder is eligible for a reward, the computing apparatus deducts a reward amount from the transaction amount to authorize a partial amount for the transaction and provides a partial authorization response for the payment transaction. The partial authorization response may optionally include a description of the offer, the reward and/or an identifier of the offer.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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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, and generating, 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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A computer-storage media storing instructions configured to instruct a computing apparatus to at least:
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receive, in the 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; process, by the computing apparatus, the authorization request; during processing of the authorization request, identify, by the computing apparatus, an offer based on data stored in the computing apparatus, the data associating the offer with the account information, determine, by the computing apparatus, that the payment transaction is eligible for a benefit reward in accordance with the offer, determine, by the computing apparatus, a second transaction amount via applying the benefit reward to the first transaction amount, and generate, 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 transmit, by the computing apparatus, the authorization response to the transaction handler.
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17. A computing apparatus having at least a processor and a memory storing instructions configured to instruct the at least processor to perform operations, the computing apparatus comprising:
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a data warehouse configured to store data associating an offer with account information identifying an account issued by an issuer; and an issuer processor of the issuer coupled with the data warehouse to access the data associating the offer with the account information during processing of an authorization request received from a transaction handler of a payment network, the authorization request identifying the account information and a first transaction amount for a payment transaction in the account, the issuer processor configured to determine whether a benefit of the offer is applicable to the payment transaction and if so, compute a second transaction amount by applying the benefit of the offer to the first transaction amount and authorize the payment transaction for the second transaction amount reduced from the first transaction amount. - View Dependent Claims (18, 19, 20)
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Specification