×

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

  • US 20130282586A1
  • Filed: 06/20/2013
  • Published: 10/24/2013
  • Est. Priority Date: 03/16/2012
  • Status: Abandoned Application
First Claim
Patent Images

1. A payment processing system having at least one microprocessor and memory storing instructions configured to instruct the at least one microprocessor to perform operations, the system comprising:

  • a transaction handler configured to interconnect issuer processors and acquirer processors in a payment processing network, wherein each of the issuer processors is configured to control consumer accounts issued to consumers and make payments on behalf of the consumers using the consumer accounts and each of the acquirer processors is configured to receive payments on behalf of merchants using merchant accounts set up for the merchants;

    a data warehouse configured to store transaction data recording payment transactions processed by the transaction handler, whereinthe data warehouse is further configured to store data associating an offer with a consumer account issued to a user, the offer having a benefit applicable to the consumer account when a plurality of conditions are met,the data warehouse is further configured to store a trigger record identifying the offer and a subset of the plurality of conditions,the transaction handler is further configured to use the trigger record in processing payment transactions and detect an authorization request received from an acquirer processor for a first transaction that satisfies the subset of conditions identified in the trigger record,in response to the authorization request for the first transcation being detected to satisfy the subset of conditions identified in the trigger record, the transaction handler is further configured to process the offer identified by the trigger record and determine whether the plurality of conditions specified for the offer are met in entirety in view of the first transaction,in response to a determination that the plurality of conditions of the offer are met in entirety in view of the first transaction, the transaction handler is further configured tocommunicate with a sponsor processor of the benefit for authorization of the benefit,communicate with an issuer processor of the consumer account of the user for authorization of the first transaction in the consumer account, andcombine an authorization response from the sponsor processor and an authorization response from the issuer processor to generate a single authorization response to the authorization request received from the acquirer processor, andthe data warehouse is further configured to store data associating a communication reference with the consumer account issued to the user; and

    a portal coupled with the transaction handler, configured to generate a notification to the communication reference assciated in the data warehouse with the consumer account, and further configured to transmit the notification in parallel with the transaction handler transmitting to the acquirer processor the single authorization response approving the authorization request received from the acquirer processor.

View all claims
  • 1 Assignment
Timeline View
Assignment View
    ×
    ×