ENHANCED TRANSACTION PROCESSING

• US 20140025460A1
• Filed: 09/27/2012
• Published: 01/23/2014
• Est. Priority Date: 07/20/2012
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Knowles, Kevin Joseph, Owen, Sarah, Bohn, Julie Christine, Cole, Robert James, Coleman, Sammy Leigh, Cavicchi, Peter R. III, Young, Susan Munn, Kirshenbaum, Amy Lynne, Desai, Jigar G., Cekan, Natalie, Surell, Alan
• Application Number:
  US13/628,977
• Publication Number:
  US 20140025460A1
• Time in Patent Office: Days
• US Class Current: 705/14.23
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions

Abstract

Methods, systems, and computer-executable instructions for automatically processing promotion redemptions are provided. An exemplary method includes receiving a request to authorize payment for a transaction using a customer account. The request identifies the customer account and the transaction is associated with at least one purchased product. The method includes selecting a promotion for the transaction based on the customer account and one or more rules. The amount of the transaction is adjusted based on the selected promotion. The method also includes transmitting an authorization for the adjusted transaction to the merchant. The method may also include selecting a promotion that has been pre-purchased by the customer.

Claims

1. A computer-implemented method comprising:

receiving, at a computer processor from a merchant, a request to authorize payment for a transaction using an account of a customer, wherein the request includes an identifier associated with the customer account and the transaction is associated with at least one purchased product;

selecting, by the computer processor, a promotion for the transaction from among available promotions based on the customer account identifier and based on one or more rules;

adjusting, by the computer processor, an amount of the transaction based on the selected promotion; and

transmitting, by the computer processor, an authorization for the adjusted transaction to the merchant.

2. The method of claim 1 wherein selecting the promotion based on the one or more rules includes identifying one of the available promotions that provides a discount for the transaction that is larger than discounts associated with the other available promotions.

3. The method of claim 1 wherein selecting the promotion based on the one or more rules includes identifying an unexpired one of the available promotions that expires sooner than the other available promotions.

4. The method of claim 1 further comprising receiving at least one of the one or more rules from the customer through a customer interface.

5. The method of claim 1 further comprising receiving, at the computer processor from the merchant, information identifying the purchased product and wherein selecting the promotion includes:

retrieving, from a database, promotion information identifying promoted products each associated with one or more available promotions; and

selecting one of the available promotions by identifying a match between the purchased product and one or more of the promoted products.

6. The method of claim 1 wherein the selected promotion is a purchased promotion, the method further comprising, prior to the transaction:

receiving, at the computer processor from a promotion provider, a request to authorize payment for the purchased promotion, wherein the purchased promotion is purchased by the customer from the promotion provider using the customer account identifier; and

linking the purchased promotion with the customer account identifier in a database of the available promotions.

7. The method of claim 1 further comprising, prior to the transaction:

receiving, from the customer through a customer interface, information associated with one or more customer identified promotions; and

linking the received information with the customer account identifier in a database of the available promotions.

8. The method of claim 7 wherein the information is communicated to the customer in one or more of:

a printed advertisement, an Internet advertisement, an email advertisement, a radio advertisement, and a television advertisement.

9. The method of claim 1 wherein the purchased product is a service.

10. The method of claim 1 further comprising, prior to the transaction:

receiving information associated with a targeted promotion from an advertising system in response to selection of the targeted promotion by the customer on a website associated with the advertising system;

receiving the customer account identifier; and

linking the received information with the customer account identifier in a database of the available promotions.

11. The method of claim 1 wherein selecting the promotion includes:

transmitting transaction information to an offer provider after receiving the request to authorize the transaction; and

receiving promotion information from the offer provider.

12. The method of claim 1 wherein selecting the promotion includes:

transmitting transaction information to a plurality of offer providers after receiving the request to authorize the transaction;

receiving information describing potential promotions from the offer providers;

transmitting the information describing potential promotions to the customer; and

receiving a selection of one of the potential promotions from the customer.

13. The method of claim 12 wherein the information describing the potential promotions is transmitted to the customer at a point of sale (POS) terminal of the merchant.

14. The method of claim 1 wherein selecting the promotion includes:

retrieving a plurality of the available promotions from a database based on the customer identifier; and

identifying two or more of the available promotions that are permitted to be simultaneously applied to the transaction.

15. A transaction processing system comprising:

a database of eligible promotions;

a communication module configured to receive, from a merchant, a request to authorize payment for a transaction using an account of a customer, wherein the request includes an identifier associated with the customer account and the transaction is associated with at least one purchased product;

a selection module configured to select a promotion for the transaction from among the eligible promotions based on the customer account identifier and one or more rules; and

a transaction processing module configured to;

adjust an amount of the transaction based on the selected promotion; and

transmit an authorization for the adjusted transaction to the merchant.

16. The system of claim 15 wherein to select based on the one or more rules includes to identify one of the eligible promotions that provides a discount for the transaction that is larger than discounts that would be available by applying the other eligible promotions to the transaction.

17. The system of claim 15 wherein to select based on the one or more rules includes to verify that the transaction satisfies a minimum transaction amount associated with the selected promotion.

18. The system of claim 15 wherein the communication module is further configured to receive, from the merchant, information identifying the purchased product and wherein to select the promotion includes to:

retrieve, from the database, information identifying promoted products each associated with one or more of the eligible promotions; and

select one of the eligible promotions by identifying a match between the purchased product and one or more of the promoted products.

19. The system of claim 15 wherein:

the selected promotion is a purchased promotion;

the communication module is further configured to receive, from a promotion provider, a request to authorize payment for the purchased promotion, wherein the purchased promotion is purchased by the customer from the promotion provider prior to the transaction using the customer account identifier; and

the selection module is further configured to link the purchased promotion with the customer account identifier in the database.

20. The system of claim 15 wherein:

the communication module is further configured to receive, from the customer, information associated with one or more customer identified promotions; and

the selection module is further configured to link the received information with the customer account identifier in the database.

21. The system of claim 15 wherein:

the communication module is further configured to;

receive information associated with a targeted promotion from an advertising system in response to selection of the targeted promotion by the customer at a website associated with the advertising system; and

receive the customer account identifier; and

the selection module is further configured to link the received information with the customer account identifier in the database.

22. The system of claim 15 wherein the communication module is further configured to:

transmit information describing the transaction to an offer provider after receiving the request to authorize the transaction; and

receive promotion information from the offer provider.

23. The system of claim 15 wherein to select the promotion includes to:

transmit information describing the transaction to a plurality of offer providers after receiving the request to authorize the transaction;

receive information describing potential promotions from the offer providers;

transmit the information describing the potential promotions to the customer; and

receive a selection of one of the potential promotions from the customer.

24. The system of claim 23 wherein the information describing the potential promotions is transmitted to the customer at a computing device of the customer.

25. The system of claim 15 wherein the customer account is a credit card account or a debit card account and the transaction processing system is operated by a card processor.

26. A non-transitory computer-readable medium comprising instructions that, when executed by one or more computer processors, direct the one or more computer processors to:

receive, from a merchant, a request to authorize payment for a transaction using an account of a customer, wherein the request includes an identifier associated with the customer account and the transaction is associated with at least one purchased product;

select a promotion for the transaction from a database of available promotions based on the customer account identifier and one or more rules; and

adjust an amount of the transaction based on the selected promotion.

27. The computer-readable medium of claim 26 wherein the one or more rules include a required minimum amount of the transaction.

28. The computer-readable medium of claim 26 wherein the one or more rules include a required minimum number of purchased items for the transaction.

29. The computer-readable medium of claim 26 wherein adjusting the amount of the transaction includes limiting the adjustment to a maximum discount amount based on the one or more rules.

30. The computer-readable medium of claim 26 wherein selecting the promotion based on the one or more rules includes verifying that the promotion is not expired.

31. The computer-readable medium of claim 26 wherein the instructions further direct the one or more computer processors to:

receive, from the merchant, information identifying the purchased product;

retrieve, from the database, promotion information identifying promoted products each associated with one or more of the available promotions; and

select one of the available promotions by identifying a match between the purchased product and one or more of the promoted products.

32. The computer-readable medium of claim 26 wherein the selected promotion is a purchased promotion and the instructions further direct the one or more computer processors to:

receive, from a promotion provider, a request to authorize payment for the purchased promotion, wherein the purchased promotion is purchased by the customer from the promotion provider using the customer account identifier prior to the transaction; and

link the purchased promotion with the customer account identifier in the database.

33. The computer-readable medium of claim 26 wherein the instructions further direct the one or more computer processors to:

receive, from the customer, information associated with one or more customer identified promotions; and

link the received information with the customer account identifier in the database.

34. The computer-readable medium of claim 26 wherein the instructions further direct the one or more computer processors to:

receive information associated with a targeted promotion from an advertising system in response to selection of the targeted promotion by the customer at a website associated with the advertising system;

receive the customer account identifier; and

link the received information with the customer account identifier in the database.

35. The computer-readable medium of claim 26 wherein the instructions further direct the one or more computer processors to:

transmit information describing the transaction to an offer provider after receiving the request to authorize the transaction; and

receive promotion information from the offer provider.

36. The computer-readable medium of claim 26 wherein the instructions further direct the one or more computer processors to:

transmit information describing the transaction to a plurality of offer providers after receiving the request to authorize the transaction;

receive bid information from two or more of the offer providers describing offered promotions from the two or more offer providers;

transmit the bid information to the customer; and

receive a selection of one of the offered promotions from the customer.

37. The computer-readable medium of claim 36 wherein the bid information is transmitted to the customer at one of:

a computing device of the customer or a POS terminal of the merchant.