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SYSTEMS AND METHODS TO APPLY THE BENEFIT OF OFFERS VIA A TRANSACTION HANDLER

  • US 20130246150A1
  • Filed: 03/14/2013
  • Published: 09/19/2013
  • Est. Priority Date: 03/16/2012
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • storing, in a computing apparatus, data associating an offer with an account of a user;

    receiving, in the computing apparatus, an authorization request identifying a transaction in the account;

    determining, based on the data associating the offer with the account and by the computing apparatus, whether a benefit of the offer is applicable to the transaction; and

    in response to a determination that the benefit of the offer is applicable to the transaction,communicating, by the computing apparatus, with a sponsor processor of the benefit for authorization of the benefit,communicating, by the computing apparatus, with an issuer processor of the account for authorization in the account, andcombining, by the computing apparatus, a first authorization response from the sponsor processor and a second authorization response from the issuer processor to generate a third authorization response for the authorization request.

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