AUTHORIZED TRANSACTION INCENTED BY MERCHANT DONATION
First Claim
1. A method comprising a plurality of steps each being performed by hardware executing software, wherein the steps include:
- receiving information derived from an authorization response for a transaction with a merchant conducted on an account issued to an account holder on an account, wherein the information includes;
the date and time of the transaction;
a currency amount of the transaction; and
identifiers for the merchant and the account holder;
accessing one or more databases;
using the identifiers for the merchant and the account holder to look-up information corresponding to the respective communities of the account holder and the merchant;
using the identifier for the merchant to look-up information corresponding to;
a business rule by which the merchant will make a donation to an affinity entity using the identifier for the merchant;
the logical address of the merchant using the identifier for the merchant;
andusing the identifier for the account holder to look-up information corresponding to an identifier of the affinity entity; and
for each said transaction for which the respective communities of the account holder and the merchant match;
deriving, using the business rule, the donation to be made by the merchant to the affinity entity; and
transmitting a message to a logical address containing the donation to be made by the merchant to the affinity entity.
1 Assignment
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Accused Products
Abstract
A merchant incentivizes an account holder to make an authorized transaction by terms and agreement to auditably donate to the account holder'"'"'s affinity entity. To incent desirable commerce with locals, the merchant'"'"'s terms may limit its donation by a derivation of navigation time between account holder and merchant, and/or by date and time of the transaction. The account holder can direct the donation to one of more affinity entities within their own community, and/or within a community where the transaction was physically conducted. An account holds can also donate at the time of transaction where the donation is paid by the account'"'"'s issuer for reimbursement as a debit to the account holder'"'"'s account statement. Other payment system participants may donate (the merchant'"'"'s acquirer, issuer, and transaction handler for the issuer and acquirer), by way of favorable interchange rates, can also make audible donations to account holder directed affinities entities.
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Citations
20 Claims
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1. A method comprising a plurality of steps each being performed by hardware executing software, wherein the steps include:
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receiving information derived from an authorization response for a transaction with a merchant conducted on an account issued to an account holder on an account, wherein the information includes; the date and time of the transaction; a currency amount of the transaction; and identifiers for the merchant and the account holder; accessing one or more databases; using the identifiers for the merchant and the account holder to look-up information corresponding to the respective communities of the account holder and the merchant; using the identifier for the merchant to look-up information corresponding to; a business rule by which the merchant will make a donation to an affinity entity using the identifier for the merchant; the logical address of the merchant using the identifier for the merchant; and using the identifier for the account holder to look-up information corresponding to an identifier of the affinity entity; and for each said transaction for which the respective communities of the account holder and the merchant match; deriving, using the business rule, the donation to be made by the merchant to the affinity entity; and transmitting a message to a logical address containing the donation to be made by the merchant to the affinity entity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method comprising a plurality of steps each being performed by hardware executing software, wherein the steps include:
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for each of a plurality of transactions conducted by respective merchants and account holders, receiving information derived from an authorization response for the transaction and including the date and the time, a currency amount, and an identifier for the merchant; for each said transaction for which the date and time of the corresponding said authorization response are within a predetermined time period; for each said identifier for the merchant; deriving the sum of the currency amounts; using the identifier for the merchant to access a database to retrieve a business rule for making a donation corresponding to an identifier for an affinity entity having a logical address, wherein in the donation is a function, at least in part, of the sum of the currency amounts; deriving, using the business rule and the sum of the currency amounts, the donation; and transmitting a message to a logical address containing the donation to be made by the merchant to the affinity entity for the predetermined time period; within a predetermined audit time period for and after the predetermined time period; receiving a plurality of donation receipts each including; the respective identifiers for the affinity entity and the merchant; and a currency amount; and for each said identifier for the merchant, deriving the sum of the currency amounts of the donation receipts for each said identifier for the affinity entity. - View Dependent Claims (12, 13, 14, 15)
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16. A method comprising a plurality of steps each being performed by hardware executing software, wherein the steps include:
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for each of a plurality of transactions conducted by respective merchants and account holders, receiving information derived from an authorization response for the transaction and including the date and the time, a currency amount, and respective identifiers for the merchant and the account holder; for each said transaction for which the date and time of the corresponding said authorization response are within a predetermined time period; using the identifier for the merchant to access a database to retrieve a geographic location of the merchant corresponding to the identifier for the merchant; and for each said transaction for which the geographic location of the merchant corresponding to the identifier for the merchant is within a predetermined geographically designated community; for each said identifier for the merchant; deriving the sum of the currency amounts; using the identifier for the merchant to access a database to retrieve;
the logical address for the merchant corresponding to the identifier for the merchant;
a business rule for making a donation that is a function,at least in part, of the sum of the currency amounts; using the identifier for the account holder to access a database to retrieve a business rule for making a donation corresponding to one or more identifiers for one or more affinity entities, each said affinity entity having a logical address; deriving, using the sum of the currency amounts and the retrieved business rules for the merchant and account holder, the respective donation corresponding to the one or more identifiers for one or more affinity entities; and transmitting, to a logical address for the acquirer for the merchant;
the identifier for the merchant; and
the respective donation corresponding to the one or more identifiers for one or more affinity entities for the predetermined time period;within a predetermined audit time period for and after the predetermined time period; receiving a plurality of donation receipts each including; the respective identifiers for the affinity entity within the predetermined geographically designated community of the acquirer; and a currency amount; and for each said identifier for the merchant, deriving the sum of the currency amounts of the donation receipts corresponding to each said affinity entity within the predetermined geographically designated community. - View Dependent Claims (17, 18, 19, 20)
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Specification