SYSTEMS AND METHODS TO PROCESS TRANSACTIONS AND OFFERS VIA A GATEWAY
First Claim
1. A computer-implemented method, comprising:
- storing, in a computing apparatus having a transaction handler, data associating an offer with an account of a user;
receiving, in the computing apparatus and from a transaction terminal of a merchant, an authorization request transmitted without going through an acquirer processor of the merchant for a transaction in the account of the user;
determining, by the computing apparatus, whether a benefit of the offer is applicable to the authorization request;
in response to a determination that the benefit of the offer is applicable to the authorization request, applying by the computing apparatus the benefit of the offer to the authorization request and providing from the computing apparatus to the transaction terminal an authorization response that indicates the benefit applied to the offer; and
transmitting, by the computing apparatus, a transaction message to the acquirer processor to credit funds to an account of the merchant.
1 Assignment
0 Petitions
Accused Products
Abstract
A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal.
145 Citations
20 Claims
-
1. A computer-implemented method, comprising:
-
storing, in a computing apparatus having a transaction handler, data associating an offer with an account of a user; receiving, in the computing apparatus and from a transaction terminal of a merchant, an authorization request transmitted without going through an acquirer processor of the merchant for a transaction in the account of the user; determining, by the computing apparatus, whether a benefit of the offer is applicable to the authorization request; in response to a determination that the benefit of the offer is applicable to the authorization request, applying by the computing apparatus the benefit of the offer to the authorization request and providing from the computing apparatus to the transaction terminal an authorization response that indicates the benefit applied to the offer; and transmitting, by the computing apparatus, a transaction message to the acquirer processor to credit funds to an account of the merchant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
-
-
16. A computing apparatus having at least one microprocessor and memory storing instructions configured to instruct the at least one microprocessor to perform operations, the computing apparatus comprising:
-
a data warehouse configured to store data associating an offer with an account of a user; a gateway configured to receive, from a transaction terminal of a merchant, an authorization request transmitted without going through an acquirer processor of the merchant for a transaction in the account of the user, wherein the computing apparatus is configured to determine whether a benefit of the offer is applicable to the authorization request using the data stored in the data warehouse; and a transaction handler configured to, in response to a determination that the benefit of the offer is applicable to the authorization request, apply the benefit of the offer to the authorization request and transmit a transaction message to the acquirer processor to credit funds to an account of the merchant, wherein the gateway is configured to provide the transaction terminal with an authorization response that indicates the benefit applied to the offer. - View Dependent Claims (17, 18, 19)
-
-
20. A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to:
-
store, in the computing apparatus having a transaction handler, data associating an offer with an account of a user; receive, in the computing apparatus and from a transaction terminal of a merchant, an authorization request transmitted without going through an acquirer processor of the merchant for a transaction in the account of the user; determine, by the computing apparatus, whether a benefit of the offer is applicable to the authorization request; in response to a determination that the benefit of the offer is applicable to the authorization request, apply by the computing apparatus the benefit of the offer to the authorization request and provide from the computing apparatus to the transaction terminal an authorization response that indicates the benefit applied to the offer; and transmit, by the computing apparatus, a transaction message to the acquirer processor to credit funds to an account of the merchant.
-
Specification