SYSTEMS AND METHODS TO APPLY THE BENEFIT OF OFFERS VIA A TRANSACTION HANDLER
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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Abstract
A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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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, and combining, 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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 16, 17, 18, 19)
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15. A computing apparatus having at least one processor and memory storing instructions configured to instruct the at least one processor to perform operations, the computing apparatus comprising:
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a data warehouse configured to store first data associating a communication reference with an account of a user; second data associating an offer with the account, the second data including a trigger record identifying the offer and a first set of conditions, the first set of conditions requiring a transaction in the account, the offer having a benefit applicable to a transaction satisfying a second set of conditions, the second set including the first set; a transaction handler configured to process payment transactions to detect an authorization request for a first transaction when the first transaction satisfies the first set of conditions specified in the trigger record, wherein after the authorization request is detected, the computing apparatus identifies the offer based on the trigger record matching the first transaction and determines whether the second set of conditions is satisfied in view of the first transaction, wherein if the second set of conditions is satisfied, the transaction handler is configured to communicate with a sponsor processor of the benefit for authorization of the benefit, communicate with an issuer processor of the account for authorization in the account, and generate a third authorization response for the authorization request based on a first authorization response from the sponsor processor and a second authorization response from the issuer processor; and a portal configured to transmit a notification to the communication reference about application of the offer to the first transaction, concurrently with transmission of the third authorization response.
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20. A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to:
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receive, in the computing apparatus, an authorization request identifying a transaction of a first amount in an account of a user; determine, based on data stored to associate an 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, communicate, by the computing apparatus, with a sponsor processor of the benefit for authorization of the benefit of a second amount, communicate, by the computing apparatus, with an issuer processor of the account for authorization to a third amount determined from a difference between the first amount and the second amount, and generate, by the computing apparatus, a third authorization response for the authorization request based on a first authorization response for the second amount from the sponsor processor and a second authorization response for the third amount from the issuer processor.
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Specification