TRANSACTION INITIATED AUTOMATIC ENROLLMENT FOR MERCHANT OFFERS
First Claim
1. A computer system for managing electronic transactions, comprising:
- a server computer system including;
a processor;
a computer-readable medium connected to the processor;
a network interface device connected to the processor; and
a set of instructions on the computer-readable medium, the set of instructions being executable by the processor and including;
a data store;
a plurality of consumer accounts stored in the data store, each consumer account having a first consumer account identifier;
a plurality of merchant accounts stored in the data store, each merchant account having a first merchant account identifier;
a merchant account management system receiving a merchant offer over the network interface device from a merchant computer system, the merchant offer being stored in the data store in association with the merchant account having the respective first merchant account identifier;
a communication and routing module that receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier;
an automatic enrollment module associating the merchant offer with the consumer account; and
a transaction processing system that processes the charge request based on an account detail of the selected consumer account.
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Accused Products
Abstract
A computer-based method of managing electronic transactions is described. A plurality of consumer accounts are stored in a data store, each consumer account having a first MSISDN as a consumer account identifier. A plurality of merchant accounts are stored in the data store, each having a respective first merchant account identifier. Merchant offers are received and stored within the data store in association with the merchant accounts. A second MSISDN is identified from a charge request and is matched to the first MSISDN to identify respective consumer account. A second merchant account ID is received in the charge request and is matched to one of the first merchant account ID'"'"'s to identify one of the merchant accounts. A merchant offer of the merchant account is then associated with the consumer account. The charge request also includes an amount that is processed against the selected consumer account.
32 Citations
22 Claims
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1. A computer system for managing electronic transactions, comprising:
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a server computer system including; a processor; a computer-readable medium connected to the processor; a network interface device connected to the processor; and a set of instructions on the computer-readable medium, the set of instructions being executable by the processor and including; a data store; a plurality of consumer accounts stored in the data store, each consumer account having a first consumer account identifier; a plurality of merchant accounts stored in the data store, each merchant account having a first merchant account identifier; a merchant account management system receiving a merchant offer over the network interface device from a merchant computer system, the merchant offer being stored in the data store in association with the merchant account having the respective first merchant account identifier; a communication and routing module that receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier; an automatic enrollment module associating the merchant offer with the consumer account; and a transaction processing system that processes the charge request based on an account detail of the selected consumer account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer-based method of managing electronic transactions, comprising:
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storing, with a processor, a plurality of consumer accounts in a data store, each consumer account having a first consumer account identifier; storing, with the processor, a plurality of merchant accounts in the data store, each merchant account having a first merchant account identifier; receiving, with the processor, the merchant offer from the merchant computer system over the network interface device; storing, with the processor, the merchant offer in the data store in association with the merchant account having the respective first merchant account identifier; receiving, with the processor, a charge request over the network interface device, the charge request including an amount and a second consumer account identifier; identifying, with the processor, a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier; associating, with the processor, the merchant offer with the consumer account; and processing, with the processor, the charge request based on an account detail of the selected consumer account. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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Specification